Spokane is a special city with a lot to brag about. Located in Eastern Washington, there are more than a few things this sweet spot is known for. From the scenic views at Mount Spokane to the sprawling grounds of Gonzaga University, there’s a place for everyone to feel at home in Spokane.
Whether you’re biking along the Spokane River or watching a performance at the Bing Crosby Theater, it’s easy to see why people from all over are clamoring to find an apartment in Spokane.
Let’s take a few minutes to explore ten of Spokane’s top attractions to understand what this often-overlooked city is really known for.
1. Mount Spokane
The majesty of Mount Spokane looms over Spokane at all times. At an elevation of 5,883 feet, it supports tons of recreational activities, including skiing, snowboarding, and hiking. The park around the mountain has over 100 miles of trails and is a favorite spot for locals looking to spend a day outside under the Spokane sun.
2. Gonzaga University
Gonzaga University is known far and wide for its rigorous academics and world-class basketball team. Situated along the Spokane River, the university’s beautiful campus draws students from all over. The university’s commitment to education and its strong student life make it a soaring pillar of the Spokane community.
3. Manito Park
Manito Park is a public garden paradise sprawling over 90 acres. It has thematic gardens like the Japanese Garden, Duncan Garden, and the Rose Hill Garden. Whether you’re enjoying a leisurely walk, looking for the perfect photo, or chatting with an old friend, Manito Park is a welcome escape from city life.
4. Spokane River Centennial Trail
The Spokane River Centennial Trail stretches for 37 miles along the Spokane River. The trail is a great route for biking and jogging in a peaceful setting. This trail links Idaho to Washington and offers people the rare opportunity to work out while surrounded by some of the prettiest scenery in the state.
5. Riverfront Park
Once the site of Expo ’74, Riverfront Park is now a central gathering place in Spokane. The park features the Numerica SkyRide over the falls, the historic Looff Carrousel, and public art throughout the space. Seasonal events, like outdoor concerts and the winter ice rink, make it a year-round destination for families in the area.
6. Bing Crosby Theater
The Bing Crosby Theater, named after Spokane’s own, Bing Crosby, is a landmark of the city. This historic theater, originally built in 1915, hosts performances of all types, from concerts to plays and film festivals. Its ornate architecture and intimate setting create the perfect atmosphere for enjoying the arts.
7. Spokane Hoopfest
Spokane Hoopfest is the largest 3-on-3 outdoor basketball tournament in the world. The tournament transforms the streets of downtown Spokane into a bustling arena every June. This event celebrates sportsmanship and community while supporting local charities.
8. The Davenport Hotel
Opened in 1914, the historic Davenport Hotel is a symbol of Spokane’s grandeur and elegance. This hotel has hosted celebrities, presidents, and dignitaries, thanks to its luxurious accommodations and upscale dining. Its beautifully restored ballrooms and lobby reflect the early 20th-century craftsmanship, making it a must-visit for those interested in history and architecture.
9. Spokane Falls
Located in the heart of the city, Spokane Falls is one of the most picturesque natural landmarks in the area. These powerful falls can be viewed from a few spots in downtown Spokane, offering a spectacular backdrop, especially during the spring runoff. The area around the falls has walking paths and gondola rides that provide an up-close experience with this natural wonder.
10. Spokane Symphony
The Spokane Symphony holds a cherished spot in the city, performing at the historic Martin Woldson Theater at The Fox. Performing a variety of classical and contemporary shows throughout the season, the symphony enriches the Spokane art scene.
It’s no secret that dating can be expensive. Be it fancy dinners or flowers and gifts, the cost of impressing your date can add up quickly.
But spending more doesn’t always correlate with a successful date—or relationship, for that matter. In fact, sometimes cheap date ideas are more effective at creating connections and leading to long-lasting relationships. Here are a few fun cheap date ideas that can fit any budget.
How to fit dating into your budget
Whether you’re committed to a strict spending plan or simply want to save more and spend less, figuring out how to date on a budget is completely doable with these tips.
Alternate between cheap or free and regular date nights
Not setting a budget for dates ahead of time can quickly devolve into overspending. Likewise, coming up with a cute cheap date idea every time can feel like a chore and take the fun out of planning. Instead, try switching between one pricier and one cheap or free date night activity so you’re only spending a sizable amount on half of your dates. This way, you’ll be able to indulge in going out sometimes and still find ways to save money on date night.
Take advantage of good deals
Just because something’s half price doesn’t make it any less fun or romantic. Instead of splurging on a three-course meal, consider a happy hour date to score lower-price drinks and appetizers. If you’re in charge of planning the date, there are plenty of free or cheap date ideas to help you have fun while staying within budget.
Cheap first date ideasto explore
First impressions matter, so you might find yourself shelling out some cash on a first date. But don’t feel like you need to go overboard to impress your date—here are a couple of fun cheap date ideas that won’t hurt your wallet.
Grab a casual bite
Ditch the Michelin-starred restaurants and eat like a local, meeting at a neighborhood cafe or a popular hole-in-the-wall spot. Opting for cheap eats over formal dining options can help keep the date lighthearted and the vibe relaxed as you’re still getting to know one another.
Take advantage of free events
Another cheap first date idea may come courtesy of your local chamber of commerce or public library. Most cities offer free outdoor activities like concerts and festivals, while libraries often share free or low-cost passes to state parks and local museums.
Cheap romantic date ideas for staying at home
After you’ve been on a first date (or a few) and you and your partner are both comfortable, you may favor staying in. Save even more with these cheap romantic date ideas you can have at home.
Some cute cheap date ideasat home include visiting a farmer’s market to buy ingredients for a home-cooked meal—and then cooking it together. Or if cooking’s not your strength, keep it simple with a charcuterie board and board game. Host a backyard or rooftop stargazing session to ramp up the romance—bonus points if you align it to a meteor shower or other astronomical event.
Level up your relationship
As you get to know one another, you may feel ready to take your relationship to the next level. Consider these cheap date night ideas that focus on aligning your financial values to help ensure a long-lasting, happy future.
Budget for cute date ideas together
While maybe not the most exciting idea, reserving one night to figure out plans and set a budget for future date nights is one of the easiest activities you can do. It’s also a great way to ensure you’re both on the same page about how much you want to spend and what activities you’d like to try.
Learn about your financial outlook together
Take a financial personality quiz to see how your beliefs shape your financial behaviors. With a clearer sense of how you both view money, you can better align on things—like how much you want to budget for date nights—without compromising your relationship over money.
Plan your financial future together
If you’re serious about your relationship, discussing your financial future on a regular basis can potentially set your relationship up for long-term success. Establish a regular time to talk about your finances—potentially once a month—and keep it casual. Especially if engagement and marriage are on the table, making a habit of talking about money can ensure your financial aspirations are aligned.
Date night doesn’t have to break the bank
Brainstorming fun cheap date ideas can be a date all on its own, and sometimes, the free activities are the most meaningful. Now is also a great time to think about what you can do with the cash you’re saving and how you might use it for your future together. If you’re planning a more extravagant experience, like a trip or big party, consider putting that money away in a high-yield savings account. With a clear budget and plan for staying on track, you can ensure your cheap date nights are just as rewarding as the pricier nights out.
Once you’ve got your date night budget sorted, check out the features of a Discover® Online Savings Account to see how you can make your money work a little harder for your next big date.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.
Birmingham is one of the most pivotal cities in American history. From the echoes of the civil rights movement to the fascinating history of Rickwood Field, there’s a place for everyone to feel at home in Birmingham.
Birmingham is a great place for history buffs, outdoorsy types, science enthusiasts, and sports fans. It’s a city that is quickly on the rise and gaining more things to brag about at a breakneck pace.
Let’s take some time to explore ten of the top things Birmingham is known for, and start to understand why so many people are hoping to find an apartment in Birmingham.
1. Birmingham Civil Rights Institute
The Birmingham Civil Rights Institute is a cornerstone of the city, providing an in-depth look at the civil rights movement in the United States. Interactive exhibits and archives tell the stories of the struggle and triumph that occurred in Birmingham during the 1950s and 1960s. The institute commemorates the past while fostering an ongoing dialogue about civil rights and justice in the contemporary world.
2. Vulcan Park
Home to the largest cast iron statue in the world, Vulcan Park is a symbol of Birmingham’s roots in the iron and steel industry. The park has a museum that provides insights into the city’s industrial past, while the statue itself represents the Roman god of fire and forge. It’s a popular spot for locals and tourists looking to learn more about Birmingham’s development and soak in a stunning view at the same time.
3. McWane Science Center
The McWane Science Center takes a hands-on approach to learning, with interactive exhibits and activities that cover everything from dinosaurs to space exploration. It’s a favorite among families, providing fun and educational experiences that encourage children and adults alike to engage with science in a playful environment. The center also has an IMAX theater that brings exciting scientific discoveries to life on a massive screen.
4. Red Mountain Park
Red Mountain Park is a sprawling 1,500-acre park that supports a ton of outdoor activities including hiking, biking, zip-lining, and more. This park is the ideal spot for fun in the Birmingham sun. Its trails and scenic overlooks provide a peaceful escape into nature, reflecting Birmingham’s commitment to preserving community spaces within its historical industrial landscape.
5. Sloss Furnaces
Sloss Furnaces is a national historic landmark where visitors can explore the preserved blast furnaces that made Birmingham a leading iron producer in the late 19th century. Today, it operates as a museum and venue for concerts and festivals. This site educates its visitors on the harsh working conditions of the Industrial Age and the evolution of manufacturing technologies.
6. Barber Vintage Motorsports Museum
For motorsports enthusiasts and motorcycle history buffs, the Barber Vintage Motorsports Museum is a rare attraction. Housing one of the largest collections of motorcycles in the world, the museum displays over 1,400 motorcycles that span over 100 years of production. The museum also includes a beautifully designed racetrack that hosts a few high-profile races throughout the year.
7. Birmingham Botanical Gardens
The Birmingham Botanical Gardens is an oasis that features over 67 acres of beautifully landscaped gardens. With over 12,000 different plants, an extensive library, and several picturesque walking paths, it’s a favorite spot for plant lovers throughout the state.
8. Birmingham Museum of Art
One of the finest regional museums in the United States, the Birmingham Museum of Art holds an impressive collection that spans continents and centuries. With over 24,000 paintings, sculptures, prints, drawings, and decorative arts, the museum offers a comprehensive look at diverse cultures and histories. Its extensive collection of Asian art is particularly noted for its quality and breadth.
9. Rickwood Field
As the oldest professional ballpark in the United States, Rickwood Field holds a special place in the hearts of baseball fans. It’s a living museum of America’s pastime and hosts annual games including the celebrated “Rickwood Classic,” which allows players and fans to experience baseball in its historical form. The field has seen legends like Babe Ruth and Willie Mays play between its bases, adding to its significance and allure.
10. Alabama Theatre
Constructed in 1927, the Alabama Theatre is a restored movie palace that’s now a venue for films, concerts, and performances. This historic theater is known for its elaborate architecture and the “Mighty Wurlitzer” organ—one of the few remaining in the United States.
Using a credit card to make purchases is straightforward, but understanding the ins and outs of how exactly they work can be more complicated.
On the back end, credit card issuers can take certain liberties that impact your cards’ features. If you dig into the fine print, you’ll find that card issuers generally mention they can make certain account decisions at their discretion. There are also unwritten liberties issuers can take, potentially in your favor. For instance, an issuer may be cooperative when you request lower interest rates, a higher credit limit or a switch to a different card entirely.
The more you understand your credit cards, the better you can navigate them.
Here are a few facts about credit cards that are good to know.
1. Some credit card terms can change with little if any warning
You may become accustomed to certain perks, rewards, fees or even interest rates over time, but those features can change — some more quickly than others. You’ll often find language supporting this in a card’s terms and conditions.
For significant changes — like increases to interest rates, fees and the minimum amount due — the card issuer generally must give notice 45 days in advance, according to the Consumer Financial Protection Bureau’s website. But benefits or rewards aren’t considered “significant,” so changes to those can come at any time. (Many issuers will still send an email or written notification as a courtesy to cardholders.)
Variable interest rates change at a quicker pace than other features, as has been the case since the Federal Reserve began hiking interest rates to battle inflation.
“Folks didn’t realize that the rise in the federal interest rate applies to their credit card also,” says Martin Lynch, director of education at Cambridge Credit Counseling, a nonprofit credit counseling agency. “Variable rate cards incorporate those hikes usually within a month or two, so you did see some people experiencing some sticker shock when the minimum payments went up.”
2. Issuers can close an account or cut your credit limit at any time
Even if you’re managing a credit card responsibly, an issuer can still legally close your account if it wants to, according to the CFPB website.
The issuer must provide an “adverse action notice” when it makes these kinds of unfavorable decisions, the website notes. But they can still catch you off guard.
3. Your creditor may be willing to bend on interest rates
For longtime customers with solid track records, an issuer might be willing to negotiate a lower interest rate. Alternately, a hardship plan (if available) can temporarily lower interest rates if the hardship is because of qualifying circumstances beyond your control.
If you’re having trouble juggling debt, credit card issuers may also be willing to work with you through a nonprofit credit counseling agency’s debt management plan, which can consolidate those debts into one fixed monthly payment if you qualify.
“Our average interest rate right now is about 8%, among all creditors,” Lynch says. “Some are higher, some are lower.”
For comparison, the average rate for credit cards that assessed interest in the last quarter of 2023 was 22.75%, according to Fed data.
4. You might not qualify for a sign-up bonus
Many credit cards offer an upfront pile of cash back, points or miles as an incentive for new cardholders who can meet a specific spending requirement. But if you’ve recently applied for a credit card with the same issuer — even if it’s been more than a year — you might not qualify for the advertised bonus.
As you’re applying for a credit card, it’s important to read the terms carefully to understand whether you’re eligible for such a welcome offer.
5. You can lose a 0% APR
If you have good or excellent credit (credit scores of 690 or higher), you might qualify for a credit card with a 0% introductory APR on purchases, balance transfers or both. But that promotional window may not be guaranteed.
If you pay late, for instance, the issuer could cancel the 0% APR offer and start charging the card’s ongoing variable interest rate instead. Depending on the card, a much higher penalty APR can also apply after missing a payment.
To avoid missing payments, set a reminder or establish an automatic payment schedule.
6. You might be able to upgrade or downgrade your credit card
If a credit card is no longer as valuable to you as it once was, contact the issuer to see whether it’s possible to upgrade or downgrade your credit card to a different option. This is also known as a “product change,” and it may allow you to retain your account number and account history while switching to a card that better suits your needs now.
You might consider downgrading to a different option to avoid an annual fee, for example. An upgrade might get you higher rewards or better perks.
7. The value of your rewards may vary
It’s not really an issue for cash-back credit cards, but if you have a co-branded store card or travel card, be aware that the points or miles that you’re earning may be less valuable for some redemptions than for others.
For example, your miles may be worth a penny or more each when redeemed for travel, but a good bit less than that when you redeem for options like cash back, statement credit or gift cards.
Knowing the true value of your rewards can help you maximize them. You can often get an idea of that value either by logging into your card account and exploring redemption options or by revisiting the card’s terms and conditions.
In the Midwest, Kansas is an American experience with its wide-open spaces, friendly communities, and rich cultural heritage. Living in Kansas means embracing a laid-back lifestyle amidst the sprawling plains and lively cities. From the bustling metropolis of Wichita, known for its aerospace industry and cultural attractions, to the charming college town of Lawrence, home to the University of Kansas, the Kansas offers various experiences for residents to enjoy. However, there are cons to living there. In This ApartmentGuide article, we’ll uncover the pros and cons of living in Kansas, so you can learn what life is like in the “Sunflower State.”
Renting in Kansas snapshot
1. Pro: Rich historical heritage
Kansas has a rich historical heritage, deeply intertwined with the story of the American West. From its role in the Civil War to its iconic cowboy culture depicted in countless tales, the state’s history is both diverse and captivating. Visitors can explore historic sites such as the Brown v. Board of Education National Historic Site in Topeka or the Old Cowtown Museum in Wichita, offering a glimpse into the past.
2. Con: Tornado Alley
Kansas, situated in Tornado Alley, experiences a high frequency of severe weather events, which can pose a safety concern for residents. The state’s susceptibility to tornadoes, particularly during the spring and summer months, necessitates preparedness and vigilance among its inhabitants.
3. Pro: Affordable cost of living
4. Con: Limited public transportation
Kansas faces challenges in public transportation infrastructure, with limited options available for residents, particularly in rural areas. While major cities like Wichita and Kansas City have some public transit systems in place, they may not be as extensive or efficient as those found in larger metropolitan areas. Consequently, cities like Lawrence has a transit score of 35, meaning there is only some transit available.
5. Pro: Expansive natural beauty
Kansas is home to expansive natural beauty, characterized by its sweeping plains, rolling hills, and scenic landscapes. From the picturesque Flint Hills in the eastern part of the state to the rugged beauty of the Gypsum Hills in the west, Kansas offers residents abundant opportunities for outdoor recreation and exploration.
6. Con: Hot summers
The “Sunflower State” experiences hot summers, with temperatures often soaring above 90°F and occasionally reaching triple digits, creating discomfort for some residents. The combination of high temperatures and humidity can make outdoor activities challenging, leading to increased risk of heat-related illnesses. If you’re moving to the area, you’ll want to take some time to adjust to the high temperatures in the summer.
7. Pro: Vibrant cultural scene
Cities like Wichita host annual events such as the Wichita River Festival, featuring live music, food vendors, and cultural performances, while Lawrence’s eclectic arts scene includes galleries, theaters, and music venues like the iconic Liberty Hall. These are just a few examples of how Kansas has a great cultural scene that has something in store for all.
8. Con: Economic dependence on agriculture
The economic dependence on agriculture can present challenges for residents, as fluctuations in crop prices and weather conditions directly impact the state’s economy. Reliance on agriculture can lead to economic instability during times of drought, floods, or market downturns, affecting job opportunities for some.
9. Pro: Small-town charm
The state exudes small-town charm, with many communities offering tight-knit neighborhoods, friendly locals, and a relaxed pace of life. Towns like Lindsborg, known as “Little Sweden,” showcase unique cultural heritage through festivals, local artisans, and quaint Main Streets lined with shops and cafes.
10. Con: Flat terrain
Kansas’ predominantly flat terrain can be perceived as a drawback for some residents, lacking the dramatic landscapes found in other regions. The absence of geographical features such as mountains or coastlines may limit outdoor recreational opportunities and scenic views.
11. Pro: Relaxed way of life
Residents often enjoy a laid-back atmosphere, where stress levels tend to be lower compared to more densely populated areas. Whether it’s leisurely conversations with neighbors on the front porch or enjoying outdoor activities like fishing in one of the state’s many lakes, Kansas fosters a sense of tranquility.
10. Con: Super windy
Kansas is renowned for its windy conditions, with gusts frequently sweeping across the plains, especially during the spring months. While wind can be invigorating, it also presents challenges such as blowing dust and debris, making outdoor activities like picnics or gardening more difficult.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
The following Prime Opinion Review is a sponsored partnership with Prime Opinion. Welcome to my Prime Opinion Review! If you want to earn extra cash from home on your own schedule, I recommend trying out Prime Opinion. This honest review of Prime Opinion is going to explain what Prime Opinion is, how Prime Opinion works,…
The following Prime Opinion Review is a sponsored partnership with Prime Opinion.
Welcome to my Prime Opinion Review!
If you want to earn extra cash from home on your own schedule, I recommend trying out Prime Opinion.
This honest review of Prime Opinion is going to explain what Prime Opinion is, how Prime Opinion works, and how you can make extra money with paid online surveys on Prime Opinion each month.
I have been taking surveys for years, and I think it’s an easy way to make extra money in your spare time at home.
Yes, you can actually earn PayPal cash and free gift cards for something that you can do while watching TV or when you just have a few spare minutes.
All you need is an internet connection and a device like a phone, laptop, computer, or tablet to get started with Prime Opinion.
Quick summary: Prime Opinion is a survey website that allows people to earn money by sharing their opinions from home. It’s a simple concept: you share your thoughts, and they pay you for it.
I signed up for Prime Opinion personally and have started taking surveys to test it out for you, my reader. One thing I really love about Prime Opinion so far is the amount of surveys that are available. Already on the first day, there were 49 surveys that I could get started with, with more being added all the time. This is a lot more than I usually see available on survey sites!
Please click here to sign up for Prime Opinion and get up to a $5 free bonus (500 free bonus points). You can also use the code “MakingSenseofCents10” to get 10% more points for each completed survey in the following 7 days after signing up.
Prime Opinion Review
Below is my Prime Opinion review.
What Is Prime Opinion?
Prime Opinion is a website where you can earn money by sharing your opinions through online surveys. These surveys often ask about everyday things like household products, TV shows, or sports teams. It’s a way to make money from home just by taking surveys on the internet.
Prime Opinion has several user-friendly features that make it easy for people to earn extra money. If you’re getting into paid surveys, here are some things you’ll like about Prime Opinion:
The platform is easy to use, so you won’t have trouble navigating it. You can easily find and complete surveys without getting lost on the site.
Whenever you log on to Prime Opinion, you’ll find a lot of available surveys where you can earn real money. It doesn’t matter if it’s morning or night; you can earn money in your free time.
There is a welcome bonus of up to $5 for signing up.
You can complete daily streaks and participate in their leaderboard contests to earn even more points and prizes.
They have a referral program where you can receive a 10% commission on all points that your friends earn when they sign up through your referral link.
Instant payments (literally less than 2 minutes) via PayPal, Venmo, ACH or via hundreds of gift cards available.
24/7 live chat support in case you have any questions.
According to Prime Opinion, as I was writing this review on Prime Opinion, there were 1083 surveys available in the United States. Plus, the average user earned $11 the day before. So, as you can see, there are definitely surveys to be found here!
Now, I do want to say that Prime Opinion will not make you rich. No survey site will do that. But, you can easily earn a little extra money in your spare time from home.
How Prime Opinion works
Joining Prime Opinion is easy and free and many users even start earning on their first day!
Here’s how to sign up for Prime Opinion and make extra money taking surveys:
Join the panel – Registration is easy. Just sign up with your email by clicking here.
Find surveys – Once logged in, you’ll find a list of surveys you’re eligible to take. You pick the surveys you want to work on based on the time you have and the earnings you’re aiming for.
Pre-survey questions – Before starting a survey, you’ll need to answer some initial questions. Don’t worry, this is just to make sure the survey fits you.
Take the survey – After qualifying, you’ll be directed to the actual survey. Fill it out, have your say, and once finished, you’re taken back to the Prime Opinion site.
Get rewarded – For each completed survey, you earn points immediately. These can be turned into cash or gift cards whenever you want.
You can comfortably take surveys with Prime Opinion using any online device, such as your smartphone or computer. You have control over when and which surveys to take based on information like estimated time and payout for each survey.
It’s common to come across situations where you don’t qualify for a survey. You might answer a few questions and then see a message saying that you’re not the right fit for that particular survey. This is normal with survey sites. Keep trying, and look for other surveys that you may qualify for.
Note: The answers for the pre-survey questions need to be accurate and detailed so the you have more relevant surveys available.
Why does Prime Opinion pay you?
When you share your thoughts on Prime Opinion, you’re helping brands and companies improve their products and services. Companies pay Prime Opinion for the market research that they collect.
Your feedback is important to them because it gives them insight into what people like and don’t like.
What kind of questions are asked in surveys?
You might be wondering what kind of questions are asked in surveys – makes sense!
Usually, you’ll be asked about your opinions on different products or services, your preferences on different things, and sometimes, more personal details like whether you have pets or kids at home.
Here are examples of the types of questions you might be asked in paid online surveys:
Frequency activities – “How often do you dine out each month?”
Value importance – “When considering products, how much does price influence your decision?”
Feature preferences – “What specific features do you look for when buying [insert product]?”
Usage patterns – “How frequently do you use [insert service/product]?”
Income details – “What is your annual income?”
Lifestyle choices – “What activities do you enjoy during your free time?”
Recent purchases – “Have you bought any gadgets or home appliances recently? What did you choose and why?”
Research habits – “Do you research products before making a purchase?”
Grocery shopping – “How often do you shop for groceries each month?”
Media consumption – “How many hours per week do you spend watching TV or movies?”
These questions are straightforward and don’t require any special expertise to answer! Sometimes the answers are multiple-choice, and sometimes you will be asked to write a sentence or two.
The goal is to gather information about your needs and interests, which helps companies determine what products or services might appeal to you. Your feedback is helpful because it influences how companies develop and sell products.
How to cash out with Prime Opinion
The withdrawal process from Prime Opinion is simple. You can withdraw your money through many different options once you reach the required points for cash-out.
You can redeem your points for PayPal cash, direct bank transfer, Venmo, virtual Visa card, as well as for gift cards to retailers and places such as Amazon, Apple, eBay, Kroger, Starbucks, Target, Walmart, and more.
There are even 46 different options for charity donations that you can choose from.
Before you withdraw your earnings, you’ll need to reach the redemption threshold. This is the minimum number of points you must have to start the cash-out process.
The redemption threshold depends on the method you want to use. For example, bank transfer redemptions start as low as 125 points ($1.25) and some gift card transactions start at 100 points ($1.00).
Note: The higher the welcome bonus chosen, the higher the threshold will be for the first redemption. After that the redemption threshold is low.
Frequently Asked Questions
Below are answers to common questions about getting paid to take surveys with Prime Opinion.
Is Prime Opinion legit?
Yes, Prime Opinion is a legitimate survey site. On TrustPilot, Prime Opinion has 11,000 reviews with an excellent rating of 4.5 out of 5 stars. Some of the positive Prime Opinion reviews that I read on TrustPilot talked about how users liked the low payout amount, how there are always a lot of surveys available, and how easy the site is to use.
How much does Prime Opinion pay?
Your earning potential on Prime Opinion can vary and surveys typically pay between $0.50 and $5.00 each ($5 is the highest-paying survey they have available).
How much is 1,000 points on Prime Opinion?
Each point on Prime Opinion is worth $0.01. 1,000 points are equal to $10. 500 Prime Opinion points are equal to $5.
Is my personal information safe with Prime Opinion? Is Prime Opinion safe?
Prime Opinion prioritizes user privacy and implements measures to keep your personal information secure. However, I always recommend that you read the privacy policy for any survey company that you join.
How long does it take for Prime Opinion to pay out?
Before you can withdraw your earnings on Prime Opinion, you’ll need to reach the redemption threshold. This threshold varies based on the redemption method you choose. For example:
Bank transfer redemptions start as low as 125 points ($1.25).
Gift card reward options start at 100 points ($1.00).
Once you reach the required points, you can start the cash-out process using your preferred redemption method. This may be one day or it may be a week or more. It just depends on how many surveys you answer and the length.
How do you get paid on Prime Opinion?
You get paid in points on Prime Opinion, which you can redeem for PayPal cash, gift cards, or donations to charities.
How do I withdraw money from Prime Opinion?
Once you’ve reached the payout threshold, you can withdraw your earnings directly to your PayPal account or choose other redemption options such as free gift cards.
Is Prime Opinion free?
Yes, joining and using Prime Opinion is completely free. There are no hidden fees.
Prime Opinion Review – Summary
I hope you enjoyed my Prime Opinion Review.
If you want to earn extra money without committing to a lot of hours or another job, answering fun surveys at home could be a good option for you to explore.
Prime Opinion is a legitimate survey platform that pays you to complete surveys, and that’s their sole focus. They have plenty of surveys for you to answer and you have many options to redeem your points, including different gift cards and cash payouts.
Plus, this site also has a monthly leaderboard contest so that top earners can get additional bonus earnings.
If you’re interested in earning money by sharing your opinions and thinking about signing up, learning about Prime Opinion is a great way to begin increasing your income.
I really like how easy it is to earn money by answering online surveys. You can take surveys while watching TV, waiting for food to cook, doing chores, and more. It’s super flexible and convenient, allowing you to do it right from your phone or computer.
Please click here to join Prime Opinion and get up to a $5 free bonus.
Do you like to take surveys to earn extra cash? What other questions do you have for my Prime Opinion Review?
When getting your first credit card, consider factors such as the card’s annual fees, interest rates, rewards or benefits, and credit limit. Choose a card that aligns with your financial goals and spending habits, and make sure to understand the terms and conditions, including the consequences of late payments or carrying a balance. Additionally, aim to use the card responsibly to build positive credit history while avoiding overspending and accumulating debt.
With so many credit cards on the market, getting your first card can be overwhelming. What type of card do you need? How often should you use the card? Is it possible to have a credit card without racking up large amounts of debt you can’t repay?
Keep reading for answers to these frequently asked questions about getting and using a credit card for the first time.
What Is a Credit Card?
A credit card is a type of revolving account that allows you to spend up to a preset limit. Every month, the issuer calculates your minimum payment due based on your recent activity.
One of the main differences between a credit card and a loan is that loans have a fixed number of payments. With a credit card, you can keep making purchases until you reach your preset spending limit, and each time you make a payment, it frees up some of your available credit. This allows you to keep using the line of credit over to purchase goods and services over and over.
Types of Credit Cards
Before you apply for your first credit card, make sure you understand the differences between secured and unsecured credit. If you want to open a secured credit card, you’ll have to make a deposit. The issuer uses that deposit to set your credit limit. For example, if you deposit $500, you should start out with a limit of $500.
One of the biggest advantages of opening a secured credit card is that you can’t overspend. If you don’t pay back the money you borrowed, the issuer can close your account and keep the deposit.
An unsecured credit card doesn’t require a deposit, so the issuer sets your spending limit based on your income and credit history. If you don’t repay what you borrowed, the company can send your account to collections or do a charge-off, both of which would have a negative impact on your credit health.
Pros and Cons of Getting a Credit Card
Like any financial product, credit cards have several pros and cons. Review them carefully before you decide to apply for your first credit card.
Advantages of Credit Cards
The main advantage of having a credit card is that it gives you extra purchasing power. For example, if you don’t have quite enough money saved for your auto insurance premium, you can use a credit card to make your payment.
Having a credit card also helps build a strong credit profile, provided you use the card wisely. Your credit score is based on several factors, such as your payment history and the number of credit accounts you have open. When you open a credit card, you have an opportunity to demonstrate responsible financial behavior, which could improve your credit.
Credit cards also have these benefits:
Fraud protection. Credit cards have several features designed to guard against fraud. Additionally, it’s easier to deal with fraudulent transactions on a credit card than on a debit card. If you use a debit card, the fraudulent transaction ties up some of your money until you can convince the bank to issue a provisional credit. When you use credit cards, you’re using the bank’s money, so none of your money is ever at risk.
Rewards. Many companies offer credit cards that give you points, miles, cash back, and other perks. Rewards credit cards let you earn valuable benefits based on your everyday spending habits. For example, if you enjoy dining out, you may want to look for a credit card that offers extra cash back on restaurant purchases.
Wide acceptance. Thousands of merchants accept credit cards, so you don’t have to worry about carrying cash or coming up with another form of payment. Carrying a credit card may even help you avoid having a hold put on your funds when you rent a car or book a hotel room.
Disadvantages of Credit Cards
One of the biggest disadvantages of using a credit card is that it’s easy to overspend, especially if you have a high limit. To reap the benefits of using a credit card without the stress of worrying about your minimum payment, charge only what you can afford to pay in full each month.
Many credit cards also have high interest rates. If you don’t pay your balance in full every month, you’ll have to pay interest on all purchases, cash advances, and balance transfers. Interest charges add up quickly, making it difficult to pay off your balance.
Although credit cards can be very beneficial, you need to use them responsibly. Late payments, missed payments, and other credit mishaps can hurt your credit for many years to come.
How to Choose Your First Credit Card
Before you apply for your first credit card, take time to check your credit score and report. If you know your credit, it will be easier to find a credit card company willing to issue a card to someone with your credit profile. If you have poor credit, you may need to open a secured card or accept a credit card with a low limit before you can qualify for better cards.
When you’re ready to apply, look for a card that fits your needs. If your goal is to build credit, search for a card with automatic credit line reviews or other features designed to help users improve their financial situations. If you travel frequently, consider getting a rewards credit card to help you earn cash back or bonus points.
Now you’re ready to apply for a card. When you fill out the application, you’ll need to provide your name, contact details, and information about your financial situation. If you aren’t approved, you’ll receive a letter explaining the reason for denial.
Tips for Using Your Credit Card Wisely
To avoid the drawbacks associated with credit cards, follow these tips:
Make on-time payments. Payment history has a big impact on your credit health. To build a strong credit profile, pay your bill on time each month.
Pay more than the minimum. If you only pay the minimum amount due, it may take several years to pay your balance in full. Avoid high interest charges by paying more than the minimum due each month.
Don’t go over your limit. Going over your limit increases your credit utilization ratio, which is a red flag to lenders. Many companies also charge over-limit fees that make exceeding your limit expensive, so try to avoid doing this.
Limit your applications: Every time you apply for a credit card, the issuer checks your credit report, resulting in a hard inquiry. Lenders see many hard inquiries in a short amount of time as a sign that you may be in financial trouble, so it’s best to limit the number of inquiries on your record.
You can visit Credit.com today to get started on your credit card journey by comparing different cards, checking your credit score and credit report card, and learning more about how to manage your finances responsibly.
Fort Wayne is a growing Midwestern city with a lot to offer. From one-of-a-kind festivals to innovative breweries, the city has options for anyone looking to find a home in the Fort Wayne area.
As the second-largest city in Indiana, Fort Wayne has developed a distinctive identity through its kind people and unique attractions. Whether you’re exploring its scenic parks, tasting its local flavors, or meeting the people, there’s always something memorable to discover.
Below is a list of ten of the top things that Fort Wayne is known for so you can see a whole new side of this Midwestern gem.
1. Fort Wayne Children’s Zoo
Fort Wayne Children’s Zoo is a family-friendly spot in the heart of the city. Known for its well-maintained animal exhibits and child-friendly activities, the zoo spans over 40 acres and houses hundreds of animals from around the world. It’s particularly famous for its African Safari journey where children can get up close with giraffes and zebras.
2. Johnny Appleseed Festival
Each year, Fort Wayne pays homage to John Chapman, better known as Johnny Appleseed, with a festival that transports visitors back to the 1800s. The Johnny Appleseed Festival features period crafts, food, and music, celebrating the legendary figure who planted apple trees across the United States. This event has historical reenactments that offer a glimpse into the pioneer life.
3. Fort Wayne TinCaps
The Fort Wayne TinCaps, a Minor League Baseball team affiliated with the San Diego Padres, play their games at the modern Parkview Field. This ballpark is a centerpiece of downtown Fort Wayne and has a fantastic family-friendly atmosphere. The name “TinCaps” references the tin pot that Johnny Appleseed famously wore on his head, linking the team to local lore.
4. Fort Wayne’s Famous Coney Island
Since opening its doors in 1914, Fort Wayne’s Famous Coney Island has been a landmark for classic American cuisine. Known for its coney dogs, the nostalgia-inducing diner transports patrons back in time with its vintage décor.
5. Science Central
Science Central is a hands-on science museum located in a former power plant. It has over 200 exhibits ranging from a high-rail bike to a giant slide that teaches physics through play. Science Central is instrumental in providing STEM education in a fun environment, making it a must-visit for families and school groups looking to ignite a passion for science.
6. Mad Anthony Brewing Company
Named after the fiery General “Mad” Anthony Wayne, whom the city is also named after, Mad Anthony Brewing Company is a cornerstone of Fort Wayne’s craft beer scene. This brewery is famed for its unique selection of beers and a vibrant atmosphere. Whether you’re trying the seasonal specialties or the year-round favorites, Mad Anthony’s embodies the spirit of innovation and community in every pint.
7. The Embassy Theatre
The historic Embassy Theatre is a beautifully restored vaudeville house that is now one of Fort Wayne’s prime venues for performing arts. Hosting a range of events from Broadway shows to concerts and films, the Embassy Theatre remains a true hub for the arts in Indiana.
8. Allen County Public Library
The Allen County Public Library houses one of the largest genealogy collections in the nation. Its expansive archives attract researchers from all over the country, making it a center for historical study. The library’s commitment to community enrichment through educational programs and resources makes it a pillar of Fort Wayne society.
9. Lakeside Park & Rose Garden
Lakeside Park & Rose Garden is one of Fort Wayne’s most picturesque places. With beautifully landscaped gardens, a reflective pond, and a massive display of over 2,000 roses, it’s a real hotspot for photographers.
10. DeBrand Fine Chocolates
DeBrand Fine Chocolates is a luxurious chocolate company based in Fort Wayne, known for its high-quality confections and beautiful presentation. A tour of DeBrand offers insights into the chocolate-making process and ends with a tasting of their exquisite creations. This chocolatier is a favorite for locals and visitors looking for a sweet treat or a gourmet gift.
Maybe you’ve recently spoken to a broker or financial adviser about investments, and they suggested exchange-traded funds (ETFs) as a way to diversify your portfolio and boost your earnings.
But, you don’t know how they work or how to go about adding them to your arsenal of investments. Or perhaps you’re just starting out and want to learn more before making an investment decision?
Either way, we’ve got you covered. Read on to learn more.
Key Takeaways
Exchange-traded funds (ETFs) are diversified investment vehicles that allow investors to buy shares in a collection of assets, ranging from stocks and bonds to commodities and currencies, functioning similarly to mutual funds, but trading like stocks on exchanges.
ETFs offer various types, including those focused on specific industries, commodities, or strategies like inverse or leveraged ETFs, catering to a wide range of investment objectives and risk tolerances.
The benefits of ETFs include lower administrative costs compared to mutual funds, flexibility in trading throughout the trading day, tax efficiency in capital gains, and the transparency of holding disclosure, making them an attractive option for both novice and experienced investors.
What are ETFs?
In a nutshell, an exchange-traded fund (ETF) is a basket of assets that can include a medley of the following:
Exchange-traded funds are ideal for individual investors because they allow you to diversify your holdings without purchasing individual shares of each asset. And the profits are generated by the performance of the overall ETF and not individual shares.
Furthermore, ETFs trade like stocks and are easily bought and sold on the stock exchange, making it simple for investors to buy and sell.
How do ETFs work?
Before exchange-traded funds hit the exchange for trading, they must be created by authorized participants or specialized investors. They conduct extensive research and choose the assets that they deem as most suitable for the portfolio.
The pool of assets is then divided into ETF shares and traded on a major stock exchange, like the NYSE or NASDAQ, or through a brokerage firm.
Each exchange-traded fund has a ticker symbol like a stock and intraday price that can be tracked throughout the day. But unlike mutual funds or index funds, prices are constantly fluctuating because ETF shares are issued and redeemed throughout the day.
Mutual funds are priced at the end of the trading day, so all buyers and sellers receive the same price. This is referred to as the NAV (net asset value.)
Individual investors can purchase ETFs, but the way returns are generated differs from what you’d see with stocks or bonds. Profits are not tied to the actual assets in the ETF, but a sum of the profits generated from interest and dividends from the overall ETF. The return is collectively based on your proportion of ownership in the ETF.
Types of ETFs
There’s no shortage of exchange-traded funds as offerings are designed to track various sectors, markets, and indexes both here in the U.S. and abroad. The types of ETFs that are most popular among investors include:
Actively managed ETFs: ETFs that are managed by a professional fund manager and traded on a stock exchange. They aim to outperform a specific benchmark or index by actively selecting and trading the securities in the fund’s portfolio.
Bond ETFs: ETFs that track a basket of bond securities, such as corporate bonds, government bonds, or municipal bonds.
Commodity ETFs: These ETFs track the price of a specific commodity, such as gold, silver, oil, or agricultural products.
Currency ETFs: ETFs that track the value of a specific currency, such as the US dollar, Euro, or Japanese yen.
Foreign market ETFs: The main objective for these ETFs is to track the performance of a specific foreign market, such as a specific country or region.
Inverse ETFs: A type of ETF that aims to produce the opposite return of a specific benchmark or index.
Leveraged ETFs: These ETFs use financial instruments, such as futures contracts and options, to amplify the returns of a specific benchmark or index.
Market ETFs: The main objective is to track a specific index. These include DIA (tracks the Dow Jones Industrial Average), Spider or SPDR (tracks the S&P 500 Index), and QQQ (tracks the Nasdaq 100).
Sector or Industry ETFs: The main objective is to track a sector or industry. Common sector ETFs include XLF (financial companies), OIH (oil companies), FONE (smartphones), and XLE (energy companies).
Stock ETFs: ETFs that track a basket of stocks, such as those in a specific index, sector, or country.
Benefits of ETFs
Diversified Asset Pool
With ETFs, you can invest with minimal effort to fit your taste in securities, risk tolerance, and investment goals. This also means you can choose from various market segments. Furthermore, poor-performing assets can offset those that are performing well.
Hands-off Management
Professional fund managers do all the work for you according to your investment objectives. They also continuously monitor the performance of the ETF. But since these investments are generally passive and track an index, your fund manager won’t have to spend a bulk of their time day in and day out managing the ETF to stay ahead of the curve.
Quick note: The exception to this rule applies when you’re dealing with an actively managed ETF that is designed to beat an index.
Flexible Purchase and Selling Window
Unlike mutual funds, ETFs are available for purchase at any time of the day. There’s also flexibility with orders as you can choose from margin, limit, or stop-loss orders. Even better, there are no minimum holding periods, like you’ll see with some mutual funds, so you’re free to sell at any point after you purchase ETF shares.
This added flexibility is also beneficial to investors because it minimizes the level of risk they’ll have to absorb if the market takes an unexpected turn for the worse. ETFs are much easier to unload in a shorter window than mutual funds, that sometimes have a 30-day holding period before they can be sold.
Tax Efficient
With taxable mutual funds, you must pay taxes on distributions, regardless of whether you keep the cash or use it to invest in more mutual fund shares. However, you will only pay capital gains on ETFs when your investment is sold.
Transparency
As mentioned earlier, the performance of a particular ETF can be tracked throughout the day using the ticker. And the end of each day, the ETF’s holdings are shared with the public. But mutual funds only disclose this information on a monthly or quarterly basis.
Lower Administrative Costs
Unless the ETF is actively managed, your administrative costs will be substantially lower than what you’d find with a portfolio that must have oversight at all times, like a mutual fund. On average, the expense ratio for most ETFs is lower than .20 per year, compared to the 1% or more per year in administrative costs that accompany actively managed mutual funds, according to Nasdaq.
But keep in mind that expense ratios aren’t the same across the board. So, it’s best to speak with the ETF issuer to get a better idea of what you’d expect to pay in administrative costs should you decide to invest in their ETFs.
Drawbacks of ETFs
Before you invest in ETFs, there are some drawbacks you should be mindful of.
Price Fluctuations
Prices often change, so you could be at a disadvantage if you like to buy in small increments. And it’s not always possible to buy low and sell high if the ETF is a slow mover.
Fees from Commissions
Looking to buy ETFs through an online broker? If you select an ETF that’s outside the scope of what they offer, you could incur substantial fees from brokerage commissions.
Sudden Death
If the ETF underperforms and is forced to shut down abruptly, you have no control over the hit you may take, either through a loss on your investment or tax obligation.
Settlement Window
When you sell ETFs, there’s a two-day settlement window that must pass before you can access your cash. This could be to your disadvantage if you need the funds right away to invest in another asset.
How to Invest in ETFs
To invest in exchange-traded funds (ETFs), you’ll need to follow these steps:
Choose a brokerage: First, select a brokerage firm where you will place your trades. Reputable options include well-known online brokers such as Charles Schwab, E*TRADE, Robinhood, and Fidelity. Be sure to compare fees, trading platforms, and other features before making your decision.
Open an account: Once you’ve chosen a brokerage, you’ll need to open a brokerage account and complete any required paperwork. This may include providing personal and financial information, as well as completing any necessary identity verification steps.
Fund your account: To buy ETFs, you’ll have to deposit money into your brokerage account. This can typically be done by linking a bank account or using a credit or debit card.
Select your ETFs: Once your account is funded, you’ll be able to browse and select the ETFs you’d like to purchase. Most brokerage firms offer a wide range of ETFs to choose from, including those that track specific indexes, sectors, or countries.
Place your trade: Once you’ve selected the ETFs you’d like to purchase, you can place your trade by specifying the quantity and price. Your brokerage firm will handle the rest of the process, including executing the trade and holding the ETF shares in your account.
Keep in mind that investing in ETFs carries risks, and it’s important to do your own research and consider your own financial goals and risk tolerance before making any investment decisions. It’s also a good idea to consult a financial professional for personalized advice.
Bottom Line
It’s easy to buy or sell ETFs and make them part of your investment strategy. By gaining a thorough understanding of how they work and working with a broker to analyze how they will impact your investment portfolio, you’ll have the best chance of maximizing your returns.
Have you been asking yourself, “Should I move to Minneapolis, MN?” Located along the banks of the Mississippi River, Minneapolis is a dynamic city with a unique blend of natural beauty and urban charm. Known for its picturesque lakes, thriving arts scene, and diverse neighborhoods, Minneapolis always has something exciting in store. Whether you’re drawn to the city’s music and theater scene, its abundance of outdoor activities, or its friendly community, Minneapolis has plenty to offer for those looking to put down roots in the Land of 10,000 Lakes. In this article, we’ll discuss the pros and cons of living in this city to help you decide if it’s the right place for you. Let’s jump in.
Minneapolis at a Glance
Walk Score: 71 | Bike Score: 83 | Transit Score: 55
Median Sale Price: $330,000 | Average Rent for 1-Bedroom Apartment: $1,560
Minneapolis neighborhoods | Houses for rent in Minneapolis | Apartments for rent in Minneapolis | Homes for sale in Minneapolis
Pro: Flourishing arts scene
Minneapolis is renowned for its vibrant arts scene. The city is home to the Walker Art Center, one of the most celebrated contemporary art museums in the U.S., and the adjacent Minneapolis Sculpture Garden, famous for the iconic “Spoonbridge and Cherry” sculpture. Additionally, the Guthrie Theater offers world-class theatrical productions, and the First Avenue nightclub has played host to countless legendary performances. These venues provide residents with endless opportunities for artistic exploration and inspiration.
Con: Harsh winters
The winters in Minneapolis are notoriously brutal, with temperatures often plummeting below zero degrees Fahrenheit. The city experiences heavy snowfall, which can disrupt daily life, from commuting challenges to the simple act of walking outside. The city has efficient snow removal and a well-designed network of skyways in downtown areas that help pedestrians avoid the cold. However, the winter months can still be daunting for those not accustomed to such extreme weather conditions.
Pro: Abundance of lakes and parks
One of Minneapolis’s most charming features is its abundance of lakes and parks. The city’s park system is consistently ranked as one of the best in the country, offering residents access to over 22 lakes and more than 200 parks. From sailing on Lake Harriet to biking around Lake Calhoun (also known as Bde Maka Ska), the opportunities for recreation and relaxation are virtually limitless. This access to green space is a significant advantage of living in Minneapolis.
Con: Traffic congestion
Like many major cities, Minneapolis faces issues with traffic congestion, especially during rush hours. The city’s layout and reliance on a few major highways can lead to significant delays, particularly on I-35W and I-94, which are crucial routes for commuters. While public transportation options like the Metro Transit light rail and bus services offer alternatives, the traffic can still be a considerable inconvenience for residents.
Pro: Thriving job market
Minneapolis boasts a robust job market, particularly in the fields of healthcare, education, and technology. The city is home to several Fortune 500 companies, including Target, UnitedHealth Group, and Best Buy, providing ample employment opportunities. Additionally, the University of Minnesota, based in Minneapolis, is a significant employer and contributes to the city’s focus on research and innovation. This economic environment offers locals a wide range of career paths and other opportunities.
Con: Seasonal allergies
Due to its lush environment and diverse plant life, Minneapolis can be a challenging place to live for people with seasonal allergies. Spring and fall are particularly difficult times for allergy sufferers as the pollen from trees, grasses, and weeds reaches peak levels. While the city’s green spaces are a significant asset, they can also contribute to discomfort for a portion of the population.
Pro: Diverse culinary scene
Minneapolis’s culinary scene offers an array of dining options that reflect the city’s multicultural population. From the traditional Scandinavian dishes that pay homage to the city’s Nordic roots to the thriving East African cuisine found in neighborhoods like Cedar-Riverside, there’s something for every palate. The city also boasts a growing number of farm-to-table restaurants and craft breweries, highlighting Minnesota’s rich agricultural heritage and innovative spirit.
Con: Limited public transportation options
While Minneapolis has made strides in expanding its public transportation system, options can still be limited. The Metro Transit system, consisting of buses and light rail lines, does not fully cover the metropolitan area. This can make it difficult for those without cars to access certain parts of the city and surrounding suburbs. This limited Transit Score of 55 can affect daily commutes and restrict access to certain amenities and job opportunities for those relying on public transit.
Pro: Active lifestyle
Minneapolis encourages an active lifestyle, with its extensive network of bike lanes and trails, public parks, and recreational facilities. The city has been named one of the best biking cities in America, with over 200 miles of bike trails and dedicated lanes for cyclists. Whether it’s kayaking on the Mississippi River or cross-country skiing in Theodore Wirth Park, Minneapolis provides ample opportunities to stay active and engaged with the outdoors.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.