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- First Republic is teetering, with the stock down 93% in 2023 and the bank exploring strategic options.
- The bank won wealthy clients with the offer of jumbo mortgage loans that required no principal payments for a decade.
- The bank is now reversing course as it fights for survival.
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Ahh … the birds are chirping, the days are getting longer, and the 2023 spring housing market is finally kicking into full gear.
But making predictions about this year’s prime selling season is like trying to see through a cold, thick, fog. Mortgage interest rates are at near 20-year highs, adding hundreds—or even thousands—of dollars to monthly mortgage payments. There aren’t many new homes coming onto the market. And in some markets, home prices are continuing to shoot up. Yet, in others, they’re beginning to come down.
So how are homebuyers and sellers supposed to make sense of it all?
One indicator of how an area’s real estate market is faring is how long it’s taking homes to sell. In the hottest, most competitive markets, where bidding wars and offers above asking price might still be the norm, homes are selling briskly—sometimes within days of being listed. But in other parts of the country, listings are languishing. That’s a sign that sellers could be cutting prices, and buyers have more negotiating power.
That’s why Realtor.com®’s data team took a deep dive into the numbers to uncover the median days that homes are taking to sell across the country.
“Fewer days on market is usually some combination of more demand in places with relatively lower supply,” says Hannah Jones, Realtor.com economic data analyst. “So, the homes that are available spend less time on the market.”
There were just five out of the biggest 250 metropolitan areas in the nation where homes were selling faster than they were last year. These markets were in the Rust Belt and Midwest, where homes are mostly cheaper.
Yet, homes are sitting longer on the market—generally in the more expensive parts of the country.
“The upside is that for buyers who are still looking in these markets, they probably have a little more negotiation power,” Jones says. “Sellers are going to be more motivated to sell.”
To find out how quickly homes are moving, we dug into Realtor.com’s housing data for the 250 largest metropolitan areas. We compared the median days on market (DOM) in March 2023 to March 2022. (Metros include the main city and surrounding towns and smaller urban areas.) We limited our list to just one metro per state to ensure geographic diversity.
So let’s take a look at the cities where you have some extra time to ponder your buying decisions—and those where you better act fast.
1. Erie, PA
Median list price in March 2023: $197,450
Median days on market in March 2023: 58
Year-over-year change in days on market: 14 fewer days
Homes in Erie, in the northwestern part of Pennsylvania, are selling two weeks faster than this time last year—and for buyers, that can make a substantial difference. This time last year, real estate in the Rust Belt city was spending 71 days on market, almost twice the national median figure.
It makes sense in these affordability-crunched times that Erie’s market would be picking up. Home prices were around half of the national median list price of $424,00 in March, though waterfront properties on Lake Erie can still command a premium. And it’s one of the only markets on this list where the number of homes for sale in March was fewer than in the year before.
“There’s definitely a huge shortage right now,” says local realtor Nanci Lore, at Marsha Marsh Real Estate in Erie.
Lorei says high mortgage rates are keeping some would-be local sellers from listing their homes—they don’t want to lose their low rates when buying a new house. So they’re staying put, which makes the housing shortfall even worse.
2. Traverse City, MI
Median list price: $486,475
Median days on market: 59
Change in days on market:: 7 fewer days
Traverse City, in northern Michigan on Lake Michigan’s Grand Traverse Bay, has long been a popular Midwestern tourist destination. The area’s beaches, wineries, pretty cherry orchards, and historic lighthouses have given it a reputation for scenic beauty and a charmed lifestyle, making it especially attractive for buyers seeking a vacation home or place to retire.
It’s also more expensive than every other metro where homes are selling faster this year than last, with a median listing price about 15% higher than the national median listing price.
Buyers who act fast can get a four-bedroom house on half an acre for $319,900. Or they can splurge on this two-bedroom, waterfront home with panoramic views for $825,000.
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Watch: The Top Real Estate Markets of 2023, Revealed
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3. Youngstown, OH
Median list price: $159,900
Median days on market: 50
Change in days on market:: 4 fewer days
In northeast Ohio, Youngstown was once an anchor of the steel industry, dotted with mills and factories. But when those businesses vanished, residents took a powder, too; and there were fewer buyers left to keep home prices strong.
But the affordable real estate has lately become a draw. List prices in Youngstown were up almost 20% year over year in March—the biggest price increase of any metro on the list. Despite the increases, homes are more than 60% less expensive than the national median.
The typical home in Youngstown spends 50 days on the market right now, tied for the fewest in our ranking.
Youngstown also stands out, because there are marginally more homes for sale in the metro compared to a year earlier. That gives buyers a bit more of a selection.
Those who are handy and don’t mind putting in some work can pick up a three-bedroom ranch for under $70,000. There are also plenty of move-in ready homes, such as this five-bedroom, three-and-a-half bathroom house for $378,900.
4. Peoria, IL
Median list price: $140,950
Median days on market: 50
Change in days on market: 2 fewer days
Located on the Illinois River in the central part of the state, surrounded by fertile farmland, buyers here can find some decent, bargain-priced homes for sale. Peoria has the cheapest real estate of any of the places on our list. And that’s even with a 10% year-over-year price increase.
The median listing price in Peoria in March 2022 was $99,900—one of the last U.S. metros where median home prices were below $100,000.
Meanwhile, the number of homes for sale in Peoria in March was also down almost 10% year over year, which helps to explain why homes are selling fast there.
This stately, six-bedroom, historic home is listed for $295,000. Meanwhile, this four-bedroom, brick home is on the market for just $129,900.
5. Charleston, WV
Median list price: $152,090
Median days on market: 65
Change in days on market: 0 (flat)
Charleston’s extreme affordability, with home prices at less than half the national average, helps insulate it from the dynamics pushing up days-on-market numbers in other areas.
Joe Nekoranec, a real estate salesperson at Berkshire Hathaway Real Estate Services Great Expectations Realty in Charleston, says it all comes down to the limited housing supply.
“It’s just scarcity, plain and simple,” he says. “There’s hardly anything to buy.”
Nekoranec says buyers who couldn’t afford to compete during the frenzy of the pandemic market are still coming to Charleston because of how affordable it is.
“I’m seeing stuff that nobody would have bought a few years ago being sucked up by buyers,” Nekoranec says.
1. Huntsville, AL
Median list price in March 2023: $399,875
Median days on market in March 2023: 59
Year-over-year change in days on market: 49 more days
Huntsville, in the foothills of the Appalachian Mountains, leads our list of places with the biggest increase in the number of median days the listing is on the market. Still, at 59 days, Huntsville is just five days more than the national average.
So what’s going on here? Well, at this time last year, the median listing in Huntsville—home to NASA’s Marshall Space Flight Center—was spending only 10 days on the market. That was less than one-third of the national median DOM at the time.
There are more than twice as many homes available in Huntsville now than the same time last year. Sellers are slashing prices to attract buyers. And at under $400,000, the median listing price in Huntsville is still about 6% less expensive than national median.
Andy Dugger, the managing broker and director of business development at Amanda Howard Sotheby’s International Realty, says one of the biggest challenges right now is setting expectations.
“I think a lot of sellers still expect their house to sell in 11 days, like it was a year ago,” Duggar says. “So when you’re expecting that, four weeks can feel like an eternity.”
2. Chico, CA
Median list price: $431,175
Median days on market: 78
Change in days on market: 43 more days
Chico is a relatively small metro at the foot of northern California’s Sierra Nevada mountains, with a history rooted in ranching and farming. It’s also a college town, home to the Chico campus of the California State University system. And by Golden State standards, it has some bargain-priced real estate.
Unfortunately for sellers, there’s a surplus of inventory right n0w. Homes are now sitting on the market more than twice as long as they were a year ago. However, that could be good news for buyers looking in Chico.
This three-bedroom, storybook-style home, for example, is on the market for just $409,000.
3. Raleigh, NC
Median list price: $450,000
Median days on market: 53
Change in days on market: 42 more days
The Raleigh-Durham research triangle has been attracting new residents over the years. The area is home to lots of well-paying science, technology, engineering, and math-related jobs, as well as several top schools—including Duke University.
The market has also experienced a surge in new construction recently, leading to more homes going up for sale. The number of homes for sale in March 2023 is more than three times as many as there were a year ago. That extra inventory has given buyers the power to be a bit choosier.
This three-bedroom, two-bathroom house with a front porch is listed at $315,ooo, while this three-bedroom, brick stunner is available for $438,000.
4. Hilo, HI
Median list price: $628,000
Median days on market: 88
Change in days on market: 41 more days
The Hilo metro includes all of Hawaii, otherwise known as the Big Island. Fun fact: there are four active volcanoes on the island.
High prices, too. In fact, median home prices are up 11% year over year. But as more workers are being called back into their offices, and fewer buyers are seeking out vacation properties, the number of days it takes to sell a home there has almost doubled in one year. The figure hit nearly three months in March 2023.
Buyers on a budget can score a small, three-bedroom house for $550,000.
5. Lebanon, NH
Median list price: $499,000
Median days on market: 70
Change in days on market: 40 more days
Abutting the New Hampshire-Vermont border, Lebanon has seen its home sales slow considerably—likely because they’re just so much more expensive than they were a year ago. The median price per square foot for listings here is up 30% year over year in March.
Sellers hoping they can be the exception to the slowdown are still pricing homes too high, says Ben Cushing, the vice president and regional manager of the Upper Valley of New Hampshire and Vermont Four Seasons Sotheby’s International Realty.
They might be remembering the market as it was at the height of the pandemic or not realizing how much more leverage buyers have gained.
“Things were crazy a year ago,” Cushing says.
But the market has since shifted—big time.
Source: realtor.com
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Some people love to travel and have no problem spending their day in transit. However, others see air travel as a means to an end and find the whole airport experience a hassle.
There are ways to improve the experience for these travelers, including heading to an airport lounge before your flight.
A membership with Priority Pass — a global network of airport lounges, experiences and restaurants — can be a good option to gain lounge access.
Let’s look at Priority Pass lounges, how they work and some key things about the program.
1. Multiple types of airport experiences are available
Priority Pass is most known as a worldwide airport lounge program, featuring more than 1,300 locations from which to choose. However, Priority Pass isn’t just limited to lounges — it also includes experiences and discounts for its members.
The types of experiences available will depend on the airport. At some, you can get up to $28 for you and your guests to eat at eligible airport restaurants. At others, this can mean complimentary spa treatments before your flight.
And if you’re on an exceptionally long trip, you may appreciate the private bedroom suites available to Priority Pass members.
Finally, even if there aren’t lounges, restaurants or sleeping suites available, Priority Pass options may be available as discounts at select stores.
2. Not all memberships are the same
Now that we’ve discussed all the options available to Priority Pass members, there is one crucial caveat: Priority Pass has several different membership levels, and they’re not all equal.
The cheapest Priority Pass tier that will grant you lounge access costs $99 per year, but you’ll need to pay $35 for each lounge visit.
The most expensive is $469 per year but includes unlimited, complimentary visits for yourself — though you’ll still be required to pay for your guests.
🤓Nerdy Tip
Some travel credit cards offer a Priority Pass Select membership as a benefit — including Chase, Capital One and American Express.
3. Chase cards have the best memberships
The most well-known Chase card to offer Priority Pass Select membership is the Chase Sapphire Reserve®, which allows unlimited entry to cardholders and up to two guests.
Chase cardholders also receive additional benefits compared to other Priority Pass Select memberships.
In addition to lounge access, they get all the above experiences, including credits at restaurants, spa treatments and sleeping suites.
This isn’t the case for Priority Pass Select memberships through Capital One or American Express, which only include airport lounge access.
4. Capital One cards allow access to all authorized users
While Capital One cards don’t offer non-lounge Priority Pass access, they may be the best option if you’re trying to get a Priority Pass Select membership for more than just yourself.
This comes in handy because Capital One allows cardholders to add authorized users to their card for no fee — and authorized users are entitled to their own Priority Pass Select memberships, which include access for themselves and two free guests.
🤓Nerdy Tip
Capital One Venture X Rewards Credit Card holders also get access to Plaza Premium lounges.
5. Other cards offer more lounge access
If you don’t have a Capital One or Chase card, don’t worry. There are other choices when it comes to airport lounges.
Eligible credit cards from American Express include access to the Global Lounge Collection and a Priority Pass Select membership.
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The International American Express Lounges.
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Plaza Premium lounges.
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Airspace lounges.
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Lufthansa Business and Senator lounges.
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Select Virgin Atlantic Clubhouse lounges.
🤓Nerdy Tip
Chase and Capital One have also been growing their networks of private lounges. However, they’re much more limited than the American Express Centurion Lounge network.
Terms apply.
6. Limited passes are an option, too
What if you don’t travel enough to justify the cost of a full Priority Pass membership? You could pay for the mid-tier membership, which costs $329 per year and includes 10 complimentary visits annually.
Or, you could get a less-expensive credit card offering similar benefits at a much lower price. The Hilton Honors American Express Surpass® Card, for example, charges a $95 annual fee but provides 10 free Priority Pass visits per year. Terms apply.
Priority Pass lounges recapped
Priority Pass membership can be a valuable perk if you’re a frequent traveler, especially if you can access lounges through your credit card. However, you’ll want to remember that not all memberships are equal and that each card issuer has its own pros and cons regarding airport lounge access.
Even if you’re only on a plane a few times per year, gaining access to a lounge via Priority Pass may be worth it, especially with memberships available for less than $100 per year.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Source: nerdwallet.com
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Get your pickax ready: Alaska’s most expensive listing definitely has the potential to strike gold.
In fact, the 1,418-acre offering is a gold mine.
“It’s a pretty unique opportunity in an amazing area,” says listing agent Yvan Corbin, with Real Broker Alaska.
The property is going for $23.5 million.
The listing within a national preserve includes 15 claims that are patented and 37 unpatented.
Corbin explains a patented claim means the owner owns the land. But the buyer doesn’t own the land in the unpatented claims (1,188 acres), but has the rights to extract.
Extracting could mean gold.
“It was mined, but hasn’t been mined in a very long time,” he says. There has been a “study on it and figured there is at least $60 million, give or take, of gold in there.”
Along with the high price tag, there are other challenges for gold seekers. For one, the area is hard to access. It is, after all, located in a place called “Remote.”
“It’s in the Yukon-Charley Rivers National Preserve off the Yukon River,” he says. It’s about a 75-minute flight from the Fairbanks area, the closest city. “Logistically, it’s not an easy place.”
The property includes a 2,500-foot-long gravel airstrip for the adventurous. But once you get there, where do you lodge?
Corbin says he plans to go see the locale in June, but doesn’t think there are any viable structures on the property.
“When the owner did mine it, there were a few cabins there, but I have no idea what the condition of those are,” he says. “But I’m sure they’re not great because no one has been there in years.”
Corbin says there are many possibilities for the property.
“Gold is such a unique mineral and gold fever is real, and I think someone that wants to buy this could hit the jackpot and find more than what is thought to be there,” he adds. The search for gold itself has the makings of a “ready-made TV show.”
Corbin can imagine the drama unfolding with cameras rolling.
“The logistics to set this up and use barges and helicopters to bring machines and everything in, it would be pretty amazing,” he says.
Source: realtor.com
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Kids eat free! Kids stay free! Kids admitted free!
From restaurants like Denny’s to Holiday Inns to county fairs, someone is frequently offering the chance to bring the little ones along without paying for them. So it’s only natural to ask: Are there kids-fly-free airlines?
For children too old to spend the whole flight in your lap, the short answer is no.
But which airline has the cheapest child fares? That would be Frontier Airlines. The airline boasts a Kids Fly Free program, but these deals are only available to people who pay for annual Discount Den memberships.
Are there other discounted kids’ fares? You won’t find a lot of those, either. After all, a plane seat has the same value to the airline no matter the age of the passenger sitting in it.
But if you have very little little ones, if you fly Frontier a lot or if you can find an applicable kids-fly-free promotion, you just might get your kids on the plane at a significant discount.
On which airlines do kids fly free?
Only Frontier Airlines offers an ongoing program where kids can fly free (more on that later).
However, if you fly Southwest Airlines with regularity and have earned a Companion Pass, your child can accompany you as your companion on a flight for only taxes and fees, which start at $5.60 one-way. Pass holders can change their companion up to three times per calendar year, and if your child is age 6 or younger, you can also take advantage of family boarding perks.
Lap infants
Most major airlines will let babies on board for free, provided they don’t take up a seat. American Airlines, for example, has a pretty standard policy: Kids under 2 years old can travel free on the lap of an accompanying passenger age 16 or older on domestic flights.
United Airlines, Delta Air Lines, Southwest Airlines and many others have similar policies for domestic flights, with a cutoff age of 2 years old.
On international flights, there is no fare for lap infants, but fees may apply.
In most cases, you’ll need to add the infant to the adult’s ticket. You can typically find instructions for this on the airline’s website. For example, here are Delta’s instructions for adding a lap infant to your ticket.
Special promotions
Sometimes airlines run kids-fly-free promotions, though this usually doesn’t happen with the big domestic carriers that will take you anywhere you might want to go. Still, if one of the smaller airlines serves your destination, a kids-fly-free promotion could save you money.
For example, Air Tahiti Nui has a special offer that includes two fare-free seats for kids when two adults pay the full fare. Taxes and fees apply to all four travelers, though, so for each child, the cost can be up to $138. And this only works if both kids are age 11 or younger and the whole crew is flying to Tahiti from either Los Angeles or Seattle.
Scandinavian Airlines discounts fares on some flights for kids ages 2 to 11. But the deal usually doesn’t take more than 25% off their airfare. From time to time, deal-spotting travel bloggers announce kids-fly-free promotions from American Airlines, British Airways, Etihad and others, but these are rare and short-lived promotions.
Frontier’s Kids Fly Free program
If you fly Frontier Airlines regularly, their Kids Fly Free program just might work out for you.
The program is part of the airline’s Discount Den, which costs $60 per year plus a $40 enrollment fee the first year. Members then get access to discounted fares, plus the Kids Fly Free program and other perks.
So if you fly enough, Discount Den membership could eventually pay for itself.
But there’s one more hurdle to clear for your child to fly free: The flight you want to book must be Kids Fly Free eligible, and there’s no way to know which itineraries offer these fares until you search for flights.
For example, we searched Frontier’s website for a flight from Atlanta to Austin, Texas, for one adult and one 5-year-old child departing April 23, 2023. There were no Kids Fly Free fares on that date, but there was one two days later on April 25, meaning we could grab the deal if we flew on that date instead.
The child must be age 14 or younger and must travel with an adult flying on a Discount Den fare.
Up to nine passengers are allowed on a single Discount Den itinerary. One of the adults must be a Discount Den member. If one parent is a member and one isn’t, each parent can still bring along a child for free on eligible flights.
Mileage awards
If you collect airline or credit card miles or points, you can redeem them for flights for your little ones or yourself. It’s not a kids-fly-free deal per se, but these award flights are a way to get your kids in the air for just some nominal fees and taxes.
Do kids fly free? No, here’s what to do instead
Airlines don’t like to give away seats, so it’s rare to find one that will let children over age 2 fly for free.
Instead of looking for kids’ deals, focus on strategies that let everyone in your party fly frugally — award fares, flying off-peak and deal-hunting.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Source: nerdwallet.com
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“You have to attend college to get a good job.”
That was a phrase that my father continually beat into my head harder than Lars Ulrich could pound on his bass drum (in case there is a generation gap, Lars is the drummer from the rock band Metallica).
Even though on average college graduates do earn more in the long-run and online colleges are bringing down costs, the current job market is saturated with sustainable careers that don’t necessarily require a degree.
Taking a closer look, it seems a major shift in employer priorities is occurring in certain fields, such as manufacturing and information technology (IT), where soft skills and on-the-job training are deemed more beneficial than a formal educational background.
Individuals bringing these resources to the table are now in high demand, especially since many companies now offer assistantship programs or even paid training for high-achieving candidates.
In this day and age, it just might be more about the right skills than the right schooling.
Table of Contents
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25 Highest Paying Jobs Without A College Degree
- Margin Department Supervisor
- Air Traffic Controller
- Automobile Service Station Manager
- Real Estate Broker
- Landscape Architect
- Lead Carpenter
- Director of Security
- Elevator Mechanic
- Cable Supervisor
- Flight Services Manager
- Freelance Photographer
- Personal Trainer
- Funeral Director
- Commercial Pilot
- Truck Driver
- Nuclear Power Reactor Operator
- Firefighter
- Emergency Medical Technician
- Railroad Jobs
- Medical Coder
- Information Technology Technician
- Criminal Investigator
- Brick Mason
- Postal Service Worker
- Pharmacy Technician
If you have decided to not attend a four-year college right out of high school, or are looking for a fresh start at a new career path, 25 of the highest paying careers with virtually no degree are featured below.
Looking for a fun job that pays well? Scared that the cause of unemployment may be growing? Sign up for free and see who’s hiring in 2023 at www.FlexJobs.com.
Disclaimer: While there are definitely some good paying trade jobs on this list, I still think having a college degree is worth it. Yes, tuition is high and will continue to rise, but the experience, connections, and mindset that college offers are invaluable. Now on to the jobs…
1. Margin Department Supervisor
Average Salary: $74,799
Prior Education: A finance or accounting degree is not required, but knowledge of all basic processes is needed.
On-the-Job Training: Moderate to high training and/or shadowing.
Job Description: A Margin Department Supervisor oversees a company’s credit department, which manages customer credit accounts and approves or denies credit to customers.
As would be expected, approving or denying credit sometimes involves unhappy customers, so you’ll need strong communication and negotiation skills for this role.
Since the scope of the job requires mathematical calculations as well as debt analysis and recognition of accounting principles, make sure you are confident with these basic processes. Some companies may increase pay if you have a degree under your belt.
You’ll also primarily be in charge of ensuring all department employees adhere to federal policies and regulations.
2. Air Traffic Controller (ATC)
Average Salary: $124,540
Prior Education: A college degree is not required, but the nature of the field is very competitive where experience is highly valued. A combination of progressive work experience and formal education is generally preferred.
On-the-Job Training: Rigorous training and testing is required.
Job Description: An Air Traffic Controller is required to pass rigorous testing by the FAA, which includes health checks, as well as mental stability tests. You must initiate the testing process before age 31.
Being an Air Traffic Controller has been voted the most stressful job in the United States for many years because of what the job entails on a daily basis. Air traffic controllers also often work night shifts, weekends, and even holidays.
A typical work day may include monitoring and directing in-air traffic, including routine take off/landing. Sometimes in-air emergencies must be handled, hence the high stress associated with the position.
Strong organizational and problem-solving abilities along with excellent communication skills are highly valued in this role. It does help to know someone already in the business to land a job in this field.
3. Automobile Service Station Manager
Average Salary: $45,204
Prior Education: High school diploma or equivalent. Some employers may prefer a Bachelor’s degree in management or similar field and/or several years of experience in automotive service management.
On-the-Job Training: Most can obtain this type of position by working one’s way up the ladder through on-the-job experience. Obtaining certification may also be required.
Job Description: Essentially, the role of the Service Station Manager is to run the day-to-day operations of a gas station.
The scope of the work includes setting the gas prices for the day, scheduling and training the rest of the employees who work at the station, ordering new merchandise to keep the shelves stocked, ensuring service station safety, as well as being the direct manager for the other employees.
Some skills that would be helpful in obtaining this job would be good personal skills as well as some managerial and accounting experience.
4. Real Estate Broker
Average Salary: $56,730
Prior Education: High school diploma or equivalent. However, a college degree in finance or related field may prove beneficial.
On-the-Job Training: Even though you must take a couple of classes to obtain your certification, these courses are much less of an expense compared to financing a college degree. Licensure requirements typically vary from state to state.
Job Description: To become a real estate broker you will still need to take a couple of classes to become certified. But still, these courses are still much less of an expense to you compared to financing a college degree.
You will be trying to sell houses as well as filing the paperwork for the transactions. In addition, you will help customers with their loan agreements.
However, if you are considering this career, you should be very friendly and have flexible hours since you will most likely be working on your customers’ schedules.
You typically are self-employed setting your own hours and working on a commission basis. Good negotiation skills along with market research experience will prove helpful in this role.
5. Landscape Architect
Average Salary: $65,760
Prior Education: Typically a minimum of a Bachelor’s degree in Landscape Architecture is preferred. An internship experience is highly encouraged. This job may require you to take some classes at a community college on horticulture as well as landscape design, but these types of courses are not required.
On-the-Job Training: With this career, you will have the option of whether you would like to be becoming certified or not. However, if you are certified, you will have access to larger contracts and a wider scope of work. Most states do mandate licensure, though, and the requirements vary from state to state.
Job Description: If you do not mind getting a little dirty and working hard for a living, then this might be a good career for you. Typical job duties include designing functional yet attractive outdoor spaces and parks for a variety of clients.
Landscape architects spend a large portion of their time creating blueprints and preparing cost analysis reports. You would also analyze environmental conditions for projects and even participate in restoration initiatives.
Make sure you have a good eye for design and a strong work ethic to consider this career. Understanding GIS technologies and project management is a must.
Here’s a how-to guide for starting your own lawn company and making some serious money (in turn being able to and saving some serious money, too!).
6. Lead Carpenter
Average Salary: $51,150
Prior Education: High school diploma or equivalent. Most Lead Carpenters begin their careers as skilled apprentices.
This job requires a high amount of experience in the field either through attending a trade school to master technical skills or by being an apprentice to a lead carpenter.
On-the-Job Training: By going to trade school you will actually have to obtain some type of certification, possibly making you more marketable in the field.
Often training includes learning how to expertly handle a variety of power tools, such as power drills or saws.
Job Description: Serving as an apprentice would most likely land you in a job replacing your teacher. Either way, you can be very successful in this type of career if you enjoy working with your hands.
Although highly dependent on the type of industry, job duties may include analyzing construction plans, creating project timelines, and managing and overseeing team production activities.
Carpenters often work in both indoor and outdoor settings and may need to eventually join a union.
7. Director of Security
Average Salary: $78,608
Prior Education: Typically a minimum of a Bachelor’s degree in Computer Science or related field is preferred along with years of experience in related positions.
In reality, this job will involve starting off in an entry level security position before working your way through the ranks to become the Director of Security.
On-the-Job Training: You might also be required to pass a security guard training program, but this will most likely be paid in full by the employer so the actual educational cost to you would be zero.
Depending on the company you will work for, you might also be required to pass a background check as well as some minor health inspections.
Job Description: A typical work day would include reviewing and implementing security department policies along with ensuring relevant local, state, and federal laws and regulations are adhered to. This role may also involve actively participating in training programs with the security staff.
Some good skills to have for this type of job would be some above average physical characteristics, as well as integrity to always choose what is right.
This position often involves being on-call for any emergencies after-hours, so make sure you can fulfill this requirement.
You can also try going the Police Officer route. If you decide to pursue this career, make sure you study with the Police Exam Guide.
8. Elevator Mechanic
Average Salary: $77,806
Prior Education: High school diploma or equivalent.
Just like the Lead Carpenter job, this job will most likely be acquired through a trade school degree, assistantship, or lots of years of experience. Being an elevator mechanic does have a couple more stipulations, though.
On-the-Job Training: Moderate to high training; may need to attend trade school to contract with large corporations.
Job Description: Lots of major corporations will require you to have a license and work for an insured company, which in this case would then force you to go the trade school route so that you could work on these large corporate jobs.
A typical work day would include repairing elevators and fulfilling routine preventative maintenance when needed. Installing and repairing control systems or adjusting and inspecting safety controls are other common work tasks.
Elevator mechanics should be able to identify and troubleshoot issues quickly and efficiently, and having a working knowledge of elevator mechanics is needed. Most of this industry is unionized, so make sure you are willing to join a union before entering this line of work.
9. Cable Supervisor
Average Salary: $51,112
Prior Education: High school diploma or equivalent. However, technical school education or an internship/assistantship may prove beneficial.
On-the-Job Training: A good way to acquire this type of a position is to either apply for the job with some type of managing/scheduling background or to apply for an entry-level position and work your way up by knowing the business.
Job Description: This career would be in a managerial-type setting. You would be responsible for overseeing the maintenance as well as installation workers setting up cable boxes and internet connections.
Typical work duties would also include interpreting cable specifications, troubleshooting issues with cable equipment, and also hiring and training any new cable technicians.
You would be responsible for the scheduling aspect as well as holding the workers accountable to be where they need to be.
10. Flight Service Manager
Average Salary: $64,042
Prior Education: Typically a minimum of a Bachelor’s degree in aviation management or related field is preferred. Completing an internship program is highly suggested.
On-the-Job Training: This career would most likely be obtained through lots of on-the-job experience along with obtaining certification if required.
Job Description: You would be responsible for helping schedule flight crews as well as taking care of customer complaints and filing any necessary paperwork.
This job would require great personal skills as well as lots of patience with unhappy customers. Making sure all passengers have the best onboard experience possible is of top priority for Flight Services Managers.
Airlines can be a stressful arena to work in, so if you are considering this line of work make sure you can keep your cool in the toughest of situations.
11. Freelance Photographer
Average Salary: $36,630
Prior Education: No educational experience required.
On-the-Job Training: This career typically involves both self-education and hands-on training through practice. Natural talent and creativity are highly valued in this field.
Job Description: Being a Freelance Photographer takes dedication to one’s tasks, as well as a great eye for artistic detail. This type of career may also require traveling long distances to be able to acquire the right “shot” for the right story.
In a sense, being a Freelance Photographer can take many forms, such as snapping pictures of nature for magazines, or taking pictures of stories for newspapers, or even being a paparazzi-type photographer and searching for the next big celebrity scandal.
To really make a sustainable living in this field, it may prove helpful to complete some basic business management courses, or to attend training sessions on editing or even lighting techniques.
It’s best that Freelance Photographers have good personal skills and can identify and fulfill client needs and/or requests. If you become a really good photographer, you could even sell your photos on Shutterstock to make some extra cash.
12. Personal Trainer
Average Salary: $38,222
Prior Education: High school diploma or equivalent.
This career will most likely require that you are qualified to teach proper physical fitness techniques to clients. Many Personal Trainers have strong backgrounds in nutrition, exercise science, or other related fields.
This certificate is not very difficult to obtain; however, it is relatively cheaper compared to any other type of trade school mentioned above.
On-the-Job Training: Continual through updating or expanding one’s professional certifications.
Job Description: To be successful in this line of work you will most likely want to be a very physically active person yourself, as well as have a passion for this line of work.
A typical work day would include meeting one-on-one with clients to assess their physical fitness needs with the intent of designing an individualized training program.
Personal Trainers also motivate and encourage their clients to reach and even surpass their fitness goals. As a result, good personal and communication skills are a must.
Most Personal Trainers work at gyms, private workout facilities, or provide at-home or virtual coaching services. Some decide to work both inside and outside the home to help facilitate a higher income.
Also, you can try getting your Yoga certification.
13. Funeral Director
Average Salary: $56,850
Prior Education: Educational requirements range from a high school diploma or equivalent to an Associate’s or Bachelor’s degree in Funeral Service Education or related field. Internships are also encouraged.
On-the-Job Training: Licensure is required in the U.S. before taking on a Funeral Director position, and some states may require a certain level of education or the completion of an apprenticeship.
Job Description: You do need some training to become a Funeral Director and possibly certification, but you can eventually make as much as $80,000 a year.
A typical work day would include helping families organize funeral details and complete any corresponding paperwork, such as a death certificate.
Offering counseling to grieving family members and helping to prepare the deceased body for the funeral service are other common duties.
It is important that you be able to handle the macabre, and you do need to have tact and a warm personality since you are dealing with people in difficult situations. Make sure you can accommodate a flexible schedule since visitations and funerals are often on weekdays and weekends.
14. Commercial Pilot
Average Salary: $78,740
Prior Education: High school diploma or equivalent, but most airlines now require a Bachelor’s degree as a prerequisite for employment.
On-the-Job Training: Moderate to high training is involved. Often the first step is to get your private pilot’s license. You’ll get your flight hours up and be more comfortable in the cockpit.
Job Description: Commercial Pilots fly planes for very specific reasons, such as for rescue operations, aerial photography, aerial tours, or charter flights.
Pilots generally evaluate overall conditions of aircraft, communicate with air traffic control, and monitor engines and fuel consumption, among other routine tasks. Being a team player with strong communication and observational skills is also a plus.
You’ll be spending a considerable amount of time away from home, so make sure you aren’t too much of a homebody. Fatigue and jet lag may also be experienced often.
Excellent observational and communication skills prove quite beneficial in this field of work. You can easily make more than $50,000 if you get on as a commercial pilot at the right airline.
15. Truck Driving
Average Salary: $53,199
Prior Education: Typically a Commercial Drivers License (CDL) and/or high school diploma or equivalent is preferred.
On-the-Job Training: Drivers must complete several weeks of on-the-job training.
Job Description: After completing six to eight weeks of training and obtaining your commercial driver’s license, you can make $45,000. Work your way up to becoming a trainer, and you can clear more than $70,000 a year.
Maintaining a clean driving record is crucial. Truck Drivers must adhere to all traffic laws, ensure cargo is secure for transport, and keep all trucks and equipment in good working condition.
Hand-eye coordination, visual stamina, and mental focus are important qualities to have for this type of position.
To become a Truck Driver you need a Commercial Drivers License or CDL. I recommend using both a CDL Practice Test and CDL Test Answers to help you study up so you can pass.
16. Nuclear Power Reactor Operator
Average Salary: $72,384
Prior Education: A degree in a field like engineering is required by some nuclear power plants, but you do not need a college degree to land a lower level operator job. In some cases, all you need to do in some cases is to simply pass the certification test.
On-the-Job Training: Moderate to high training is required along with possible certification.
Job Description: Nuclear power reactor operators manage nuclear reactors, monitoring them and making adjustments as necessary to ensure the safety of the nuclear power production process.
They also have to perform routine maintenance on the reactors and shutdown on very specific systems. Because the job is quite risky and requires very careful attention to detail, it pays quite well.
It also helps to become efficient in the required computer technologies involved in nuclear power plants. Make sure you can handle shift work and long hours.
17. Fire Fighting
Average Salary: $49,080.
Prior Education: High school diploma or equivalent. Any prior training in emergency medical services is a plus.
On-the-Job Training: Completing a physically demanding training program is mandatory along with other certifications.
Job Description: The starting salary for a Firefighter is often just a little more than $30,000, but you can make more than $50,000 a year depending on where you work and whether you reach a supervisory position.
Firefighters must know how to use standard field equipment, such as hoses and ladders, become proficient at providing medical attention to injured victims, and properly handle coming in contact with hazardous materials or wildfires.
Depending on which state you work in, you may need to complete specific training programs, such as high-rise building rescues.
Being a firefighter is a very strenuous and dangerous occupation, and you often must work long shifts and over 40 hours per week. To help you get physically ready for firefighting duty, I recommend you check out Pass the Beep Test, a guide to help you prepare your body for firefighting.
18. Emergency Medical Technician (EMT)
Average Salary: $33,380
Prior Education: Typically a high school diploma or equivalent and cardiopulmonary resuscitation (CPR) certification is required. Completing a postsecondary educational program is common.
On-the-Job Training: Generally there is little to no on-the-job training, but completing levels of certification are more than likely required for most states.
Job Description: If you are about to take your EMT classes to become an EMT, you will be happy to learn that the job outlooks in this field are very promising. However, chances of having a good job in the EMS are given to those who have more EMT certifications (like paramedics).
EMTs are first responders in a medical emergency, assessing victims’ conditions and possibly transporting them to the hospital by ambulance. Often people’s lives are on the line when EMTs arrive on the scene.
The hourly wages can vary from $12.08 (10% of the workforce earns less than this) to $24.77 (10% earn more than this bracket). According to the Bureau of Labor Statistics, as of 2023 the median hourly wages of EMTs was at $17.76 per hour.
19. Railroad Jobs
Average Salary: $59,780
Prior Education: Typically a high school diploma or equivalent is required.
On-the-Job Training: Several months of moderate-level training is standard. Obtaining certifications may also be required.
Job Description: Do you like trains? Do you enjoy traveling? If so, a railroad job might be just for you.
A variety of positions are available, ranging from engineers and conductors to switch operators and management positions. Railroad jobs give you a chance to see new parts of the country while getting paid very well in the process.
Since trains operate every day of the week, expect to work nights, weekends, and holidays in all kinds of weather conditions.
Hand-eye coordination, visual acuity, and communication skills are valuable assets in this industry. If you’re looking at getting a railroad job, here’s a comprehensive guide that shares how to get a job in the railroad industry.
20. Medical Coder
Average Salary: $45,035
Prior Education: Typically a high school diploma or equivalent is required, while an Associate’s Degree is sometimes preferred.
On-the-Job Training: There is little to no on-the-job-training since specific training programs are generally completed as a prerequisite for employment. Completing certifications may also be required.
Job Description: The healthcare industry is currently booming, and you can expect it to continue to rise with the Baby Boomer generation getting older. There aren’t enough doctors and nurses available.
Behind all of the doctors is a team of medical coders typing up detailed reports on what procedures you had done and billing you or your insurance company the amount owed.
According to The American Academy of Professional Coders (AAPC)’s 2022 salary survey, on average medical coders without certification bring home approximately $47,200 per year. However, becoming certified as a Certified Professional Coder (CPC) is highly sought after to seek higher pay.
21. Information Technology (IT) Technician
Average Salary: $41,305
Prior Education: Associate’s degree, Bachelor’s degree, or certificate program in computer science or related field is typically preferred. A degree is usually not required to land an entry-level position.
On-the-Job Training: Little to no on-the-job training expected since some employers require that candidates complete some level of formal training as a prerequisite for employment.
Job Description: There are a number of career paths within information technology that do not require a college degree.
Starting out you’ll probably conduct support calls on a helpdesk and only make $11-13 per hour. As your skills and experience progress and you get more experience you can easily make $50,000 to $70,000 per year as you get into systems administration and network engineering.
Typically IT technicians diagnose and repair computer malfunctions and install and maintain network systems. Get started on your IT career path by getting some online computer training and certification.
22. Criminal Investigator
Average Salary: $58,582
Prior Education: High school diploma or equivalent.
Several years of prior experience in law enforcement is encouraged. Some employers do require a minimum of an Associate’s degree in Criminal Justice or related field.
On-the-Job Training: Moderate on-the-job training is expected. Most states do require standard licensure for criminal investigators, along with a license to carry an armed weapon.
Training typically involves learning how to properly gather information and conduct remote surveillance, among other routine tasks. Reconstructing accident scenes is also a field-specific skill learned.
Job Description: Criminal investigators are the individuals tasked with interviewing and collecting evidence for specific cases.
Depending on the case at hand, you may be performing background checks, verifying facts and statements, conducting surveillance, searching online records, or gathering information on persons of interest.
You may even need to testify in court or make a physical arrest. This job is fast-paced and often involves working odd hours, weekends, and holidays.
Important skills to have include resourcefulness, inquisitiveness, and integrity. Being able to stay cool, calm, and collected during criminal investigations is integral to performing well in this role.
23. Brick Mason
Average Salary: $42,900
Prior Education: High school diploma or equivalent. Many masons also complete extensive apprenticeship programs or specific coursework before employment.
Any previous experience as a construction laborer is acceptable.
On-the-Job Training: Learning the trade is often accomplished through completing apprenticeships and/or on-the-job training shadowing experienced masons.
In these apprenticeship programs, promising candidates learn standard masonry practices, such as construction basics, measurement calculations, and safety procedures.
Job Description: Generally a brick mason uses bricks to construct walls, fences, and other structures.
A typical work day would include reading blueprints, gathering required materials, cleaning surfaces with power tools, and lifting heavy materials for proper alignment.
Brick masons often work long hours in a fast-paced and strenuous environment where becoming injured on the job is common. Protective gear, such as safety glasses, should be worn at all times.
Construction deadlines must be met, so brick masons often work indoors and outdoors in all kinds of weather. Important skills to have for this role include hand-eye coordination, physical strength, and attention to detail.
24. Postal Service Worker
Average Salary: $57,260
Prior Education: High school diploma or equivalent. An excellent driving record is a must along with a clean track record.
On-the-Job Training: There is some short-term on-the-job training involved, including passing a written exam, road test, and other standard background checks.
Job Description: Postal service workers generally collect, sort, process, and distribute mail in a timely manner. It’s their responsibility to make sure mail is delivered seamlessly.
They also sell common postal products, such as stamps, and obtain any customer signatures for certified mail.
Important skills to have for this role include a strong focus on customer service and attention to detail.
25. Pharmacy Technician
Average Salary: $31,750
Prior Education: High school diploma or equivalent. Complete a postsecondary program in pharmacy technology before employment is acceptable.
On-the-Job Training: Moderate on-the-job training is required, which typically involves passing an exam or specialized program.
You may also need to learn how to operate automated dispensing equipment, and some states may require certification.
Job Description: Pharmacy technicians are responsible for correctly filling, packaging, and labeling customers’ or health professionals’ prescriptions.
You would also be involved in organizing inventory, processing insurance claims, and accurately entering patient information into a computer database.
Having excellent organizational, listening, and customer-service skills is highly valued for this role.
Pharmacy technicians may be required to work nights and some weekends. Make sure you are physically fit enough to spend most of the day on your feet fulfilling orders.
Is Attending College Overrated?
There’s one thing I know for sure – college is extremely expensive! As the College Board highlights in a recent survey outlining changes in college tuition between 2012-2013 and 2022-2023, tuition is on a steady upward climb that shows no signs of letting up.
In 2023, public four-year in-state tuition is $10,950 for full-time students. This was a 1.8% increase from the previous college year.
There are a vast amount of careers that you can obtain without an actual college degree, but most require either a trade school certification or just time on the job and working your way up through the ranks.
“Formal education will make you a living. Self education will make you a fortune.” – Jim Rohn
Looking for a job? Scared that the cause of unemployment may be growing? Sign up for free at www.FlexJobs.com and see who’s hiring today!
FAQs on High Paying Jobs with No Degree
Yes, there are several types of jobs that do not require a college degree but can still offer competitive salaries. Some examples include web developers, software engineers, medical coders, sales professionals and IT support staff.
What qualifications do I need for these jobs? The requirements for these types of positions vary depending on the job and company, but often include certifications or specialized training in the field you are interested in pursuing.
In addition to technical skills, employers are looking for individuals who demonstrate strong problem solving abilities, excellent communication skills and an understanding of customer service principles.
Here are some examples of high paying jobs that don’t require a college degree:
-Commercial pilots: median salary of $121,430 per year
-Detectives and criminal investigators: median salary of $81,920 per year
-Nuclear power reactor operators: median salary of $94,350 per year
-Power distributors and dispatchers: median salary of $83,020 per year
-Real estate brokers: median salary of $61,720 per year
-Elevator installers and repairers: median salary of $80,180 per year
-Web developers: median salary of $73,760 per year
-Petroleum engineers: median salary of $137,170 per year
-Computer network architects: median salary of $112,690 per year
-Medical and health services managers: median salary of $100,980 per year
Yes, there are many high paying jobs that don’t require a college degree but do require experience. Some examples include:
-Commercial pilots: typically require several years of flight experience as a co-pilot before being considered for a pilot position.
-Detectives and criminal investigators: typically require several years of experience in a related field, such as a police officer or federal agent.
-Nuclear power reactor operators: require extensive on-the-job training and experience.
-Real estate brokers: typically require several years of experience as a real estate agent before becoming a broker.
-Petroleum engineers: typically require several years of experience in the oil and gas industry before being considered for a position as a petroleum engineer.
Source: goodfinancialcents.com
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Sometimes you book a flight that you later realize you need to cancel. If you do so within 24 hours of booking a trip with Frontier Airlines, you’ll be eligible for a full refund, as long as it’s at least seven days before departure.
It’s a lot more complicated if you need to cancel once that initial window has passed — and you might not get your money back.
But don’t give up hope during what’s likely to be an already annoying situation. Here’s how to cancel a flight on Frontier Airlines and possibly get a refund, or at least a future flight credit.
Can you cancel your Frontier Airlines flight?
You can always cancel a Frontier Airlines flight, but it might cost you.
In some scenarios, you can cancel for free. For instance, standard fares can be canceled for a full refund within the first 24 hours after booking if the ticket was purchased least 168 hours (that’s seven days) before departure.
You’re also guaranteed a full refund for a cancellation if you purchased the Works bundle for the fare when booking. This optional upgrade also includes goodies such as one checked bag and early boarding.
Unsurprisingly, Works bundles incur an additional cost that varies by destination and date, so calling it a “free” cancellation is a bit of a stretch. Those with Frontier Elite 100K status do get the Works bundle for free, though.
If you don’t upgrade to the Works bundle, you can still cancel your itinerary. You’ll retain the value of that itinerary, minus carrier charges and a cancellation fee, as a travel credit with the airline.
Yet here lies the problem: Frontier cancellation fees can often amount to more than the ticket cost.
What are the Frontier Airlines flight cancellation fees?
If you paid for the upgrade to the Works (only available at the time of initial booking), it costs nothing to cancel your flight, and you’ll get a full refund.
For most other flights, you can’t get the cash price refunded starting 24 hours after booking. However, you can get a credit (minus applicable fees) for future travel.
Frontier’s flight cancellation fee is $99 per passenger, per direction, regardless of when you cancel outside of the freebie 24-hour booking window.
How to cancel your Frontier Airlines flight
The easiest way to cancel most Frontier flights 24 hours after the initial booking is on the Frontier website. From a logged-in account, navigate to the My Trip page and access the Manage My Booking tool. There’s also a live chat feature.
For tickets purchased with a Works bundle, you have two options:
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Request a future flight credit. Straightforward; however, you must use the credit within one year of the original date of purchase. It’s also a single-use travel credit, so if your next flight is cheaper than the first, you won’t receive money back for the difference.
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Request a full refund to the purchasing card. You’ll have to complete an online refund form.
How to change your Frontier Airlines flight instead
For all non-Works fares purchased directly through Frontier, you might be better off changing your flight versus canceling. Change fees are typically far lower, sometimes even $0.
Once again, Works bundles won’t incur change fees. For other flights, you could be on the hook for a change fee if you change your flight 24 hours or more after booking.
Frontier’s flight change fees per passenger in each direction are as follows:
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Flights changed 60 or more days prior to departure: $0.
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Flights changed between seven and 59 days prior to departure: $49.
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Flights changed six days or less prior to departure (including same day): $99.
Even though change fees are sometimes lower than cancellation fees, paying the fee isn’t always worth it. On top of paying the change fee, you’ll also owe any difference in fare, assuming the new flight is more expensive. And if the new flight is cheaper, you won’t get the difference back.
Given how high change fees can be, especially at the last minute, it might make sense to forgo the original ticket and book a new one, particularly if you can take advantage of one of Frontier’s many fare sales.
What if Frontier Airlines cancels your flight?
If Frontier Airlines is the party that chooses to cancel your flight, you have more power.
According to the U.S. Department of Transportation, travelers are entitled to a full refund if the airline calls off your flight, regardless of the reason, and you choose not to travel on another flight paid for by that airline.
Airlines must provide refunds promptly within seven business days if the passenger paid by credit card, and within 20 days if the passenger paid by cash or check.
Other options for getting your money back
If Frontier Airlines won’t help you, travel insurance might. This optional insurance can be purchased separately from your airfare. Prices and terms of what’s covered vary by provider. It typically costs between 5% and 10% of your total trip cost, according to insurance comparison site Squaremouth, a NerdWallet partner.
But you might not even need to pay for trip insurance because many credit cards offer travel insurance as a built-in benefit to customers who pay for their trip on that card..
Sometimes not even trip insurance will guarantee a refund. Unless you’ve purchased a Cancel for Any Reason policy, which is usually more expensive, you’re only entitled to a refund if you cancel for a covered reason. Covered reasons vary by insurer but generally include situations such as severe weather, severe illness, injury or death. And even in those scenarios, you can’t just fake a cough; you’ll usually need proof from a doctor.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Source: nerdwallet.com
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This guest post from Mike is part of the “reader stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success â or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes.
Traveling to exotic new places is a passion of mine. My wife reminisces fondly over a dinner conversation we had about nine years ago while we were still dating. I emphatically told her, âI am going to show you the world.â Sure, she probably took it as a pick-up line, but little did we know that those words would become prophetic for us.
At the time, I was a federal employee living in San Diego, California, working within the Department of Defense as a civil servant (non-military) employee. Over the next four years, we wed and my wife gave birth to our first child. Prior to marriage, we made the decision that having my wife stay at home with the kids was important to us. Anyone who has spent some time and money in San Diego knows that the city’s cost of living makes choosing to be a single-income family difficult. As our family grew and our costs increased, we decided to consider looking for a more affordable place to live.
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So far, the traditionally strong spring home buying season is off to a not-so-great start. A pair of reports from DataQuick revealed that home sales in Northern and Southern California were at six-year lows in March, despite a strong seasonal uptick from February. In SoCal, a total of 17,638 new and resale homes and condos… Read More »Can Low Mortgage Rates Save the Spring Home Buying Season?
The post Can Low Mortgage Rates Save the Spring Home Buying Season? appeared first on The Truth About Mortgage.
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Redeeming rewards is generally â but not always â a seamless process, and some redemptions have more value than others.