[Editor’s Note: This is the introduction to our 275th Weekly Transmission, originally delivered direct to the inbox of the GEM Crystal on December 22nd, 2023. Below, myself and others from the GEM Diamond community look back on year with high interest rates, tighter VC wallets, lawsuits, and increased short term rental legislation. Many links included are to members-only articles, so won’t be accessible without an account already setup. You can read the full full article on our Crystal Platform.]
What a year, what a year. It’s all about the interest rates.
The 2023 macro was challenging, at best. It was a damn hard year all the way around. ❇️Reali ended in flames ❇️, as did Veev. WeWork lost its mojo, again. Opendoor’s missionary force stepped away. Those that survived are here to stay…for now. There’s no doubt 2024 will usher in another year of sleep-deprived founders.
Here’s a snapshot of the most notable industry dynamics that played out:
Mounting Lawsuits: There are $1.8 billion reasons that the Sitzer/Burnett trial in the U.S. District Court in Missouri has dominated the year’s news cycle. And, many more when you factor in the growing selection of follow-on lawsuits. Re-read that Sam Westelman essay thoroughly. Big changes are afoot, both for individual practitioners and MLSs—all of which will impact technology innovation and adoption.
AI-izing Everything: We don’t need to beat this drum since it’s beyond obvious, but you can’t go a day without hearing about the impacts of AI. That said, it’s still focused on the low-hanging fruit—largely still being used for data efficiencies, automating processes, and of course creating content.
Drying Up VC Funding: Fundraising was hard. Really hard. I heard that sentiment over and over from founders far and wide. BISNOW reports proptech funding was down 42%. Finding a VC actually putting money to work makes me think, “Where’s Waldo?” As Fast Company says, 2023 was a bloodbath for venture capital. Sure, AI is bucking the trend, but I’m not optimistic that will hold as AI becomes table stakes, like social media. “Overall IPO proceeds in 2023 lag[ged] 2022’s,” and the existing public stocks experienced steep declines since their pandemic highs—that needs to change to turnaround VC fuel. We’ll continue monitoring the public side via our Quarterly Earnings Radar and weekly ❇️Proptech Index updates❇️.
Mainstreaming ESG: With New York’s Local Law 97 requiring buildings over 25,000 square feet “to meet new energy efficiency and greenhouse gas emissions limits as of 2024” (with even stricter limits coming by 2030), and Washington approving legislation that makes it “cumbersome and expensive for [residential] builders to meet energy efficiency targets without installing heat pumps,” sustainability has moved front and center. This is only the beginning of governmental mandates that will further drive adoption of sustainability technologies previously seen as optional.
Boiling Over of CRE: The office sector is even worse than everyone says. Vacancies are up, transactions are down. With the cycle on commercial longer, fatigue in the market is real, and with tenants fighting to lower or abandon rents, the adoption challenges startups have always experienced are more of a reality than ever before.
Regulating Short-term Rentals: New York’s Local Law 18 took effect in September, which we touched on ❇️earlier this year❇️. The overlap of long/short-term rentals and Airbnb and all of that mushy gray area where new living arrangements are popping up for people. All of which bodes well for ❇️those facilitating home sharing, swaps, and exchanges❇️.
And, with that, let’s get to it…
Image created by: Dall-E-3 Prompt: “I’m writing a post about the real estate market titled Looking back at 2023, but am looking for a graphic for the top of the article. please make one and include either 2023 or 23”
How did we fare? Let’s take the time to reflect on, and score, the predictions and trends published a year ago.
In the coveted Los Angeles neighborhood of Los Feliz, every residence tells a story, and every street corner holds a piece of Hollywood history.
This hillside enclave, gracefully abutting Hollywood and weaving through parts of the Santa Monica Mountains, offers a unique blend of metropolitan allure and serene, natural landscapes — and owning a home here is a symbol of status and exclusivity.
The neighborhood is anchored by one of the largest city-owned parks in the country, the historic Griffith Park, a cornerstone that lends the neighborhood an air of tranquility, uncommon in large urban settings.
“Due to the proximity to historic Griffith Park, Los Feliz enjoys less density and more natural ambiance than most other large metropolitan areas,” shares Konstantine Valissarakos, one of the most preeminent real estate agents in Southern California, deeply acquainted with the area’s charm.
The neighborhood is also home to the two Los Feliz Villages, brimming with quaint, world-class restaurants and amenities. These local treasures craft a sense of belonging, making residents feel part of a “loving neighborhood” – a sentiment hard to find in the bustling city of Los Angeles.
“The two Los Feliz Villages offer quaint, world-class restaurants and amenities, making Los Feliz residents feel like they are in a loving neighborhood,” Valissarakos added, noting that “Los Feliz compares in popularity to other worldwide destination cities where the inhabitants can live anywhere globally that they want and feel special.”
Known for being a top home-buying destination for A-listers and architecture aficionados alike, the area has witnessed a significant surge in home prices, reflecting its growing demand.
“Los Feliz is home to many celebrities. Home prices have gone up in Los Feliz in recent years to match the demand,” the agent adds, highlighting the neighborhood’s appeal. “Finding a characterful or historic home in Los Feliz, akin to an art piece residence, has become a coveted dream for many.”
So then, what homes can you find in the sought-after area?
We’ve reached out to some of the top real estate brokerages with active listings in the area, to give you a feel of the type of homes you can buy in Los Feliz — but be warned, they come with steep price tags.
These figures, though eyebrow-raising, are not at all uncommon for Los Feliz, a Los Angeles neighborhood that has luxury and exclusivity woven into its very fabric.
Standout Los Feliz houses for sale, from a sprawling $38 million historic estate to a film director’s fully restored Tuscan chateau
Owning a piece of Los Feliz is not just about buying property; it’s about embracing a lifestyle desired by many but lived by a few.
And the following listings, all of them Los Feliz houses with a storied past and highly desirable attributes, stand as a testament to the caliber of properties that you can find in the sought-after area. Let’s take a closer look, shall we?
#1 The Cockerham Estate, a $38 million Old World Tuscan chateau
The crown jewel of the neighborhood, the Cockerman Estate is a beautifully reimagined 1914 historic property that’s currently both the largest and highest-priced house for sale in Los Feliz.
Custom-built for Los Feliz’ prolific developer William Mead in 1914, the multi-structure private compound spans two acres and is anchored by a 20,000-square-foot mansion, offering 9 bedrooms, 9.5 baths, and an endless list of upscale amenities.
Meticulously renovated throughout by its current owners, entrepreneur Myra Chan and her husband — with design and oversight by prized architect William Heffner AIA of Studio William Heffner — the Cokerham Estate welcomes visitors with a grand 2-story entry with sweeping staircase and honed marble floors that sets the stage for the luxury we find inside.
Notable features include an elegant library and living room with imported stone fireplace, a bar/lounge (also with an eye-catching fireplace and custom wood details), an expansive kitchen with a breakfast room, fireplace, center island, and a separate prep kitchen along with a covered heated terrace and full outdoor kitchen.
We’d also like to give a nod to the massive primary with a sitting room suite, marble fireplace, terrace with views, his and hers baths, and large walk-in closets.
Listed for $38,000,000 with Brett Lawyer of Carolwood Estates, the massive Los Feliz house also comes with a lower-level entertainment space (which includes a bar and lounge), a home gym with head-on city views, a steam room, infrared sauna and salon/glam room area, and an oversized garage with elevator directly servicing all floors.
#2 A Spanish Colonial Revival estate that dates back to 1929, listed for $15.9M
A timeless gem, this Harry Hayden Whiteley, AIA-designed estate blends the grandeur of Mediterranean estates with the allure of old Hollywood glamour.
With 5 bedrooms and 9 bathrooms in the principal residence and 1 bedroom and 2 bathrooms in the detached guest house, the estate sits proudly on a nearly one acre-sized lot, offering sweeping views that stretch across the LA basin and beyond.
The home greets visitors with a grand two-story rotunda entry, adorned with hand-painted art and a sweeping staircase. The grand living room, featuring hardwood floors, an ornate fireplace, and a balcony, overlooks a pool and the cityscape.
A library with a unique coffered ceiling and a Prohibition-style bar, and a majestic dining room with a wood ceiling and French doors to a veranda enhance its appeal.
The chef’s kitchen is equipped with top-grade appliances and a large island. Upstairs, five luxurious bedroom suites preserve the 1920s charm, with the primary suite offering a spa-like bathroom and walk-in dressing closets.
Additional features of the $15.9 million Los Feliz house — listed with top producer Rita Whitney of The Agency — include a gym, a 2,200+ bottle wine vault, a media room with a wet bar, and a sauna. Lush grounds, a four-car garage, and a motor court complete this exquisite Southern California estate.
#3 An Architectural Digest-featured $9.9M house that’s a piece of Hollywood history
Set on one of Los Feliz’ most coveted streets, Bonvue Avenue, this 5,447-square-foot home is like a trip back in time to Hollywood’s golden era.
And its beauty was just as appreciated back then as it is now — the Spanish Colonial was even featured in Architectural Digest soon after it was built, in 1925.
Sited hillside, the multi-tiered property at 4808 Bonvue Ave takes full advantage of panoramic city views while providing complete privacy at street level. The property is listed at $9,995,000 with Marci Kays and Jonathan Mogharrabi with Carolwood Estates.
Offering 5 bedrooms and 6 baths, the meticulously renovated and well-maintained Los Feliz house features a double-height grand living room with coffered, hand-painted ceilings, towering French doors, a step-down den and wet bar, all accessed from the scene-stealing foyer staircase.
The imported English wood-paneled formal dining room includes a second-level verandah, an ornamental plaster ceiling, and stained glass vignettes — a bespoke detail that runs throughout the home and compliments the many hand-painted oak doors.
A chef’s kitchen, 600-bottle wine cellar, elevator, family room, library, staff rooms, and home offices all round up the home’s interior amenities.
But the amenities continue outside, where the extensive grounds feature multi-level terraces, gravel pathways, hidden gathering spaces and repurposed speak-easy, outdoor dining, and an abundance of fruit trees.
A formal lawn with a period fountain leads to a private pool that’s only visible from the home, adding an extra note of charm and seclusion.
#4 Villa Collina, a $7.245M trophy estate once owned by film director James Whale
Remember when we said that most Los Feliz houses tell a story, and every street corner holds a piece of Hollywood’s history?
This following property is no exception, as it was once home to lauded film director James Whale, best known for directing classic horror films including Frankenstein (1931), The Old Dark House (1932), The Invisible Man (1933), and The Bride of Frankenstein (1935), among others.
Before it was purchased by James Whale, Villa Collina was originally built for Clement E. Smoot, an American golfer who competed in the 1904 Summer Olympics — where the American team won the gold medal.
The architect, Henry Harwood Hewitt, is known for designing several staple properties across Los Angeles, including poet Alice Lynch’s former home and the Westlake Masonic Temple in Los Angeles in 1914.
Touted as a “One-of-a-kind authentic dramatic Old World Tuscan chateau in epic setting on a huge flat hilltop lot in prime Los Feliz” per the listing, the 4-bed, 4-bath villa was completely restored before hitting the market for $7,245,000.
Nourmand & Associates agent Konstantine Valissarakos and Richard Yohon at Sotheby’s hold the listing.
Among its many features, 4565 Dundee Drive lists an entertainer’s kitchen with chef’s appliances, built-in breakfast nook and French doors, a primary suite with a fully updated deluxe bath with double sinks, a private office and den, and a redesigned hotel-style full guest apartment which doubles as an oversize spa.
Outside, a well-groomed garden, landscaping, and fountains bring peace and tranquility to the property, while a backyard oasis — with a tiled Roman pool and gazebo with built-in seating — lets guests and residents take in the stellar views.
#5 A Weber and Spaulding-designed architectural gem listed for $5.995M
Before Sumner Spaulding and Walter Weber — the architects behind silent film star Harold Lloyd’s 44-room Greenacres mansion — designed Santa Catalina Island’s storied Catalina Casino, they created this residential gem in Los Feliz.
Located in prime Los Feliz at 3659 Shannon Road, the home was designed to make the most of the panoramic views of the hills and LA city lights with original oversized French doors opening up from the first floor onto the sunny backyard, outdoor dining area, and pool deck.
Boasting 7 bedrooms and 7 baths across 6,408 square feet of living space, the 1928-built home retains many original features, including the classic moldings, hardwood floors, built-ins, the dumbwaiter, and double staircases.
Other unique features of the elegant Los Feliz house include three fireplaces, a first-floor library, a formal dining room, living room, and family room, a first-floor bedroom suite, and a dramatic arched hallway connecting the 6 bedrooms upstairs and the office.
There’s also a massive family room with a fireplace on the lower floor, which opens to a separate section of the yard.
This beautiful property is also listed with Konstantine Valissarakos of Nourmand & Associates and Rick Yohon of Sotheby’s.
Which one of the striking Los Feliz houses above do you like most?
>> Follow us on Google News for more stories like this, in real time
More stories
All the luxe houses MrBeast toured in his “$1 vs $100,000,000 House!” viral video
These ultra-luxurious Bel Air mansions show the caliber of homes in the area
Billy Rose, co-founder of The Agency (the luxury brokerage in “Buying Beverly Hills”) lists longtime home for $5.9M
As many college students will attest, regularly buying food on campus is not only expensive, but often unhealthy. Buying your lunch for 10 dollars a day at the fast food restaurants, pizza joints, and coffee shops on campus can really add up, and most have limited healthy menu options. Taking the time to plan out your lunches and pack healthy meals for college students can make a huge difference in your energy levels throughout the day. Best of all, there are easy meals for college students that you can whip up on a budget.
The following meal plan shows how to eat on a college budget and offers healthy lunch recipes and easy meals for college students. The guide features tips from Jacqueline de Grave, a former student and college athlete who is passionate about cooking and eating well on a budget, and it’s also been reviewed by Kathryn Alp, a registered dietitian.
Monday
Rice and Beans
How to eat on a college budget starts with this quick and easy meal that you can make in a big batch a night or two in advance. It’s just what you’re looking for on a busy week with back-to-back tests and papers. Choose brown rice to hike up your fiber intake and add all sorts of veggies like corn, avocado, tomatoes and peppers for even more nutrition and flavor. Black beans and kidney beans work well, but you can also try other varieties like navy, white or chickpeas. Bean dishes can be perfect healthy meals for college students—and they can be done on a college budget.
Tuesday
Super Salad
It’s time to revamp your tired bowl of greens by topping it with tasty sources of protein and fiber. In addition to your favorite fruits or vegetables, try adding chickpeas, chicken breast, canned tuna or a sliced hard-boiled egg to keep you full throughout the day as you go from class to class. Hemp hearts are another great source of protein that are delicious sprinkled on top of salads. You may even be able to throw one of these together at your cafeteria’s salad bars when you’re on the hunt for easy meals for college students.
One of de Grave’s creations is a super simple orzo pasta salad with ground turkey, veggies, and feta cheese.
“Salads don’t have to be boring,” de Grave says. “I love to have fun mixing up ingredients that vary from pasta salads, chickpea or bean salads, to chicken salad sandwiches or chicken salad on a bed of greens. As long as you are willing to get creative with your ingredients, salads can take on many shapes and flavors and be perfect for light snacks or heartier meals that are easy to carry around.”
Wednesday
Pita Pockets
Sounds like the perfect budget meal to accompany a marathon study session, right? You can also put it on your list of healthy meals for college students. Variations include marinated tofu for vegetarians or sliced chicken breast or pork chop for meat eaters. Stuff the pita with bean sprouts, cucumbers, tomatoes, onions, avocado, and Greek yogurt and voila: You’ve got a quick, easy lunch that’s cheaper and healthier than an sandwich or burger at any campus fast food joint. Go ahead and get creative with your fillings.
“I sometimes replace the pita with romaine lettuce,” de Grave says. “Topping it with veggies, chicken, ground turkey, or chicken and homemade dressings is a super simple way to throw together a quick and affordable meal.”
Thursday
Egg Salad and Tuna Sandwich
How to eat on a college budget? Look no further than this mashup of two classic (and inexpensive) sandwich toppers: egg salad and tuna. You can splurge on your favorite veggie toppings. Use low-fat mayonnaise or Greek yogurt and hearty whole grain bread to make this an even healthier option.
“Carbs provide us with the only source of fuel for our brains,” Alp says. “If you eat enough high-quality carbs like whole grains, fruits and vegetables—that’s going to be your brain food,” she adds.
Friday
DIY Fresh Spring Rolls
These are a little bit more time consuming to prepare, but totally worth it if you’re looking for healthy meals for college students. Simply roll up vegetables and your favorite protein in rice paper, and serve with your favorite dipping sauce. You can use any filling you like including chicken breasts, avocado, or cherry tomatoes. Tofu is a great alternative because it can be cheaper than meat and can absorb any flavor, making it very versatile.
Daily Snacks
When learning how to eat on a college budget, it’s important to curb your hunger with healthy snacks throughout the day. For a well-balanced snack, Alp recommends including a food high in protein or fiber combined with carbs from fruits or vegetables. Need a few ideas to get you going? Get started with these:
Healthy Granola Cookies
Granola-based cookies can be tailored to all taste buds. Make them sweet by adding cacao nibs and plenty of dried fruit like cranberries, blueberries, and raisins, or opt for higher protein with peanut butter, coconut flakes, slivered almonds and pumpkin seeds. Buying the dried fruit, nuts and seeds at your nearest bulk store can make them more affordable.
Overnight Oats
Make this delicious and inexpensive snack in a mason jar and leave it in your fridge overnight. You can get creative with this one and add anything from cocoa to pumpkin puree to fresh fruit and peanut butter.
Homemade White Bean Dip
Make this dip in a big batch in advance and store it in sealed containers for up to three days. Serve with pita, sliced veggies or crackers.
Ants on a Log
Nope, it’s not just for kids. This one is a fun, easy meal for college students. Top celery stalks with peanut butter and raisins the good old fashioned way or experiment with other toppings.
If eating on campus is your only option, keep these tips in mind for eating well in a pinch…
Alp says there is one key area where college students often slip up. “Drinking your calories. If I could tell everyone to quit juice, I would,” she says.
Alp suggests avoiding soda or juice because these drinks can contain added sugar that can slow you down over the course of the day. Even so-called “sports drinks” can pack a lot of sugar into just one bottle.
And when you need an extra caffeine kick, consider avoiding energy drinks or sweet coffee drinks. Not only do these drinks cost a pretty penny, many pre-made coffee drinks have more sugar than a can of soda.
“If students choose water over juice, extra sugar in their coffee, energy drinks or pop they would be cutting quite a lot of calories out of their diet,” Alp says.
Because sometimes it’s impossible to avoid the food court when you’re stuck on campus all day, Alp has some guidance for choosing the healthiest option from fast food restaurants.
“Choose tomato-based sauces over cream sauces. Choose the grilled option over the fried option. And choose the whole wheat option whenever possible,” she says.
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.
Whether you’re dreaming of beaches in the Caribbean or roaming the streets of Paris, one thing’s for sure: Traveling is expensive. Factor in the cost of flights, food, and lodging, and it’s no wonder some people feel like traveling is reserved only for the rich and famous.
The good news? Traveling doesn’t have to break the bank. Saving enough money for your next holiday is totally doable, and it all starts with proper budgeting for travel. With a defined vacation budget and some planning, you could request time off for travel sooner than you think. Here’s how to do it.
How to build a travel fund
Before you start booking plane tickets and buying museum tickets, you’ll need to determine what’s realistic for your current financial state, according to Athena Valentine Lent, author and founder of Money Smart Latina. If this is your first time budgeting for travel, Lent says these three steps can help you get started:
1. Set a savings goal for your trip
Budgeting for travelstarts with identifying where you want to go and calculating the total amount of money you’ll need to cover that trip.
“Decide where you’d like to go, and start from there,” Lent says. “Research the best times to visit your travel destinations, so you can take advantage of any off-peak seasons. If you’re unable to visit during that time, consider another place.”
In addition to researching prices of big-ticket items like airplane tickets, Lent recommends researching all potential expenses to paint an accurate picture of your total cost. “Look into how much you’ll pay for lodging, food, transportation to get there—plus transportation while there—and any other exhibits or bucket items you want to check off while you’re there,” she says.
Vacations can and should include plenty of spontaneity, so Lent recommends giving yourself some extra wiggle room in your travel fund to cover other possible expenses (think: last-minute excursions and souvenirs). As you continue to plan, creating a financial vision board can help you visualize your dream vacation and keep you motivated during your savings journey.
2. Turn one big goal into multiple smaller goals
Once you’ve established how much your trip will cost, determine the amount you need to save on a monthly, bi-weekly, or weekly cadence until you can fully fund your goal, Lent says. For example, if you’ve figured out that you need $1,000 for a trip coming up in five months, you’d want to save $200 a month. Or if you wanted to break it up into even smaller chunks, you could have a savings goal of $50 a week.
Breaking your goal into smaller steps makes it appear more manageable, Lent says. Saving $200 a month feels much more attainable than trying to put away $1,000 all at once. Psychologically, splitting up a large goal into multiple smaller ones gives you a sense of accomplishment every time you cross one of your funding milestones.
3. Keep your travel fund in a separate savings account
There are ways to make your money work harder for you. With a high-yield savings account, you’ll earn a specific percentage of interest on your money, known as an annual percentage yield (APY). That interest is compounded, too, so you’ll grow your savings even faster.
Keeping your travel fund in a separate savings account is another helpful strategy. It can streamline your efforts, making it easier to track progress and know exactly when you’ve reached your goal.
“I love me a high-yield savings account,” Lent says. “The ability to put cash aside into a different account labeled with a goal motivates me to call it ‘my precious’ and protect it. I’m also a firm believer in making your money work for you.”
Tips for keeping your travel fund on track
Making a plan and budgeting for travel is a critical first step, but if you want to make your dream vacation a reality, you’ll need to stay on track. To keep your momentum going, consider these four tips for how to save money for travel:
1. Curb your spending habits
Looking for some low-hanging fruit? Lent says to try reducing nonessential spending first. While that might mean spending less money on things like dining out or new clothes, it doesn’t mean you need to live like a hermit to achieve your financial goal.
“Cutting back on your discretionary spending can seem brutal when all you want to do is live your current lifestyle,” says Lent. “My advice is to cut spending in small amounts at first and then look for cheaper ways to do the things you want to do. As you begin to cut back while still doing the things you love, you won’t be depriving yourself, which makes it easier to stick to your budget.”
2. Take advantage of freebies and discounts
Just because you’re budgeting for travel doesn’t mean you have to give up on fun entirely. These days you can find coupons or discount codes for almost any activity, from festivals and sporting events to restaurants and bars. “For example, if you want to go to a concert, look for it on a group coupon site,” says Lent. “Plan on drinking with friends? Ask your friends to check out a happy hour with you.”
There are also plenty of ways to have fun without spending money. Look no further than your local community for meetup groups, free museum or zoo days, or music nights hosted by your city or town. Depending on where you live, getting out into nature is often free, and many national parks even offer free entry on certain days. Entertaining yourself doesn’t have to be expensive – finding no-cost alternatives will enable you to put even more money away in your travel fund.
3. Hack your way to savings with a cashback credit or debit card
Another way to make your travel dreams come true is to use credit card rewards in a process known as “travel hacking,” Lent says. Some credit card providers will give you points or cash back on a percentage of the money you spend overall or in certain categories like food, travel, or gas. If you want to use these credit card rewards for travel, however, Lent recommends paying off your credit card debt each billing cycle.
Some banks also offer cash back when you spend with your debit card. For example, with Discover® Cashback Debit, you can earn 1% cash back on your debit card purchases1 and put that extra cash toward building up your travel fund.
Earn cash back with your debit card
Discover Bank, Member FDIC
4. Consider a side hustle
If you feel like you’re not making as much headway as you’d like on your travel fund, you might want to explore some side hustle ideas to earn extra income. Side hustles can range from freelance projects on the weekend to driving for a ride-sharing company.
Pursuing a side hustle isn’t for everyone, but if you have the time and ability to take on additional work, Lent says, you can use the extra cash to fund your travels without dipping too much into your primary source of income.
Your next vacation is one travel fund away
Planning a vacation can be intimidating, especially once you start calculating how much everything will cost. But just like any financial goal, saving money for travel is doable if you have a clearly defined budget and stick to your plan.
Take Lent’s advice: If you want to know how to save money for traveling, determine where you want to go, research how much it’ll cost, and break your savings goal into manageable chunks. You’ll be jet-setting off to your next adventure in no time.
If you’re ready to build your travel fund and make your vacation dreams a reality, check out the features of a Discover Online Savings Account to see how it can keep your travel savings safe and growing over time.
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.
1 ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
Looking to learn the best ways to make money while you sleep? Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours. In this article, I will show you 19…
Looking to learn the best ways to make money while you sleep?
Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours.
In this article, I will show you 19 ways to help you reach financial freedom by earning passive income, such as while you sleep.
Having different ways to make money might seem like something crazy, but with the right plan and some hard work, it can actually happen.
In fact, I earn income all the time while I am sleeping and I love it. Now, that doesn’t mean that it’s easy. Some of the ways below will be harder than others, and they may take up a lot of time still. But, you may be able to earn money throughout the day from the hard work that you put in.
Key Takeaways
There are many ways to make money while you sleep, such as by blogging, selling digital products on Etsy, renting out storage space or real estate, putting your money in a high yield savings account, earning dividends, and more.
Some are easier to start than others – so make sure to think about the pros and cons, such as how much time it may take you or how much money you will need to start (your minimum investment!).
19 Best Ways To Make Money While You Sleep
Below are 19 ways to make money while you’re asleep.
1. Blogging
My favorite way to make money while I’m sleeping is by blogging, and it is a great way to make passive income while you sleep. I have been blogging for many years now (since I started Making Sense of Cents, I’ve made more than $5,000,000 from my blog), and I am able to work and earn money while I am asleep, such as by selling digital products, display advertising, and through affiliate marketing.
This is because readers read my blog posts throughout the day and night, even when I am not working. I have blog posts and advertising on my site, for example, that earn me income throughout the day.
So, what is a blog? A blog is like the article you’re reading now, written and published on a website. It’s basically a collection of written content. You can start a blog about many different topics, such as finance (like my blog!), recipes, family, health, wellness, pets, sports, outdoors, travel, and more.
Other similar ways to make money in your sleep include starting a podcast or a social media account, such as on TikTok or Instagram.
Recommended reading: The 25 Most-Asked Blogging Questions To Get You Started Today
10
Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Affiliate marketing
If you want to learn how to make money overnight (such as when you’re sleeping), then my absolute favorite way is affiliate marketing.
This is one of the main ways I make money on my blog, but you don’t need a blog to do affiliate marketing either. You can do affiliate marketing on Instagram, Facebook, Pinterest, an email list, and more.
Affiliate marketing is when you share products or services from other companies with readers, subscribers, or people that you know. When someone buys through your referral link, you get a commission and earn some money from the company.
Here’s an example: Let’s say you write about a book on your blog and provide a link to it. If someone buys that book through your referral link, you get a commission.
You’ve probably bought things through affiliate marketing many, many times over the years. I definitely have!
Recommended reading: Affiliate Marketing Tips For Bloggers – Free eBook
3. Selling printables
Making and selling printables is another good way to make money without much active effort.
Printables are digital items that people can download and print at home. They can be things like games for a bridal shower, checklists for grocery shopping, planners for managing budgets, invitations, coloring pages, quotes designed to be printed and hung on walls, and more.
I buy printables all the time, and so do other people. In fact, I bought a printable the other day for my daughter – one that would help her learn the alphabet that I could print out at home for her.
Making printables can be a passive way to earn money. You only need to make one digital file for each product, and you can sell it as many times as you want. All you need is a laptop or computer and an internet connection, which makes it a low cost way to start a business.
Recommended reading: How I Make Money Selling Printables On Etsy
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
4. Investing in real estate
Investing in real estate is a popular way to make passive cash flow while you sleep.
By purchasing rental properties, you can earn a steady flow of rental income from tenants and guests. Also, your property’s value will most likely appreciate over time, which can increase your net worth.
You can invest in residential properties, commercial real estate, short-term rentals (such as starting an Airbnb), REITs (real estate investment trusts), and more. There are pros and cons of each, so you will want to think about that before you get started.
Recommended reading:
5. Starting a YouTube channel
Starting a YouTube channel is another way to make money while you sleep. This is because you can add affiliate links to your videos, generate ad revenue, form brand sponsorships, and sell products within videos as well.
You’ll need to create videos that entertain, educate, or inform viewers, and get as many views to your videos as you can (for the most part, more page views usually does mean more income).
As your YouTube content becomes more popular, you will earn passive income from past videos while working on new content.
Recommended reading: How I Grew From 0 Subscribers To Over $100,000 On YouTube In Less Than One Year
6. Dropshipping
Dropshipping is a type of business where you sell items on an online store, but you don’t do the shipping. Instead, you have a supplier that does the shipping for you.
So, this means that you don’t need to keep any products in stock yourself.
That doesn’t mean that this is easy, though – you have to find trustworthy suppliers and make sure your customers get their orders on time. You will also need to create a website, find a way to differentiate yourself from other dropshippers, take pictures of the items you are selling, answer customer questions, and find ways to grow your store.
The types of items that you can sell in a dropshipping store include clothing, electronics, home decor, pet supplies, luggage, stationary, craft supplies, books, and more.
7. Online courses
I have made over $2,000,000 from selling courses over the years – courses that I have personally created.
Making and selling online courses is a great way to earn money at any time of the day – even while sleeping.
Some examples of courses that can be created include:
Parenting and family
Health and wellness
Woodworking
Dog training
Standardized tests preparation
Playing the guitar
Teaching a language
Traveling
Painting
Cooking
And so much more!
I have taken courses on all sorts of topics over the years, such as baby sleep classes, personal finance, credit card rewards, and so much more.
Creating an online course is one of the fastest ways to use your time, increase your earnings, and help more people.
Recommended reading: How I’ve Made Over $1,000,000 From My First Course Without a Big Launch
8. High yield savings accounts
A high yield bank account is a low-risk method to make extra cash while you sleep.
These types of savings accounts earn a higher interest rate than a regular savings account, so your money grows faster.
You will want to make sure that you pick a trustworthy bank and check the interest rates regularly because they can go up or down. Some people move their money into high yield savings accounts often so that they can get the highest interest rates.
Remember, these accounts usually over the long run have lower interest rates compared to stocks or real estate, but they give you a stable and secure way to earn money.
I personally use Marcus by Goldman Sachs as they have a very high rate. You can get up to 5.40% at the time of this writing through a referral link bonus. According to this high yield savings account calculator, if you have $10,000 saved, you could earn $540 with a high yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
9. Dividends
Buying stocks that pay dividends is another way to earn money while sleeping.
When you invest in these stocks, you get a portion of the company’s earnings on a regular basis.
Here’s how dividends work: If you have shares of a company that gives you money because you own them, that’s called a dividend. So, if you own 10 shares of Company XYZ, and they give you $5 in dividends every year, you’ll get $50 in total for that year. Usually, companies give out dividends four times a year. In the example, the $5 they give you every year will likely be divided into $1.25 for each quarter (four times a year).
Recommended reading: What Are Dividends & How Do They Work? A Beginner’s Guide
10. Rent out your garage
If you have extra land or space in your home that you’re not using, you can make money by letting other people use it for storage.
You can rent storage space for things like cars, boats, boxes, and more. This could be your garage, driveway, closet, basement, attic, or even just a shelf.
A website where you can list your storage space is Neighbor. On this site, you can make between $100 and $400 or more every month. How much you earn depends on how much people in your area want to rent and what kind of space you’re renting out.
Recommended reading: Neighbor Review: Make Money Renting Your Storage Space
10
You can use this website to list your unused space for rent and make up to $15,000 per year by doing so. With Neighbor, you can rent out your garage, driveway, basement, parking lot, shed, warehouse, carport, attic, street parking, or even a closet.
11. Hosting webinars
Webinars are like online classes or workshops about specific subjects (I’ve included a list below of some examples). If you’re an expert in something, you can record a webinar and charge people to attend or sell products and services related to the topic during the webinar.
You can also record your webinars and let people watch them whenever they want, which can bring in money while you are sleeping or on vacation.
For example, you could host a webinar about:
Starting an e-commerce store – Teach participants the ins and outs of setting up and running a successful online store.
Digital marketing strategies for small businesses – You could share online marketing techniques to help businesses grow their online presence, such as tips for TikTok, Instagram, Pinterest, Google SEO, and more.
Stock market investing for beginners – You could share advice and tips for newbies in the world of stocks, mutual funds, index funds, bonds, S&P, and investment portfolios.
How to make money with affiliate marketing – You could teach the strategies behind successful affiliate marketing sites.
How to invest in fine wine – Or, any other type of investment! If there is something specialized that you invest in that is different from normal, you may be able to generate interest in your webinar.
And so much more.
12. Peer-to-peer lending
Peer-to-peer (P2P) lending is when you lend money to people or businesses who need loans, and they pay you back with interest.
Websites like LendingClub and Prosper let you spread out your money to lots of borrowers, which lowers the risk if someone can’t pay you back.
As borrowers make their payments, you get a part of the interest, which adds to your passive income streams that you can make without working.
With a peer-to-peer lending site, people can borrow money from a group of lenders like you and me, rather than from a traditional financial institution like a bank. People use peer-to-peer lending sites for all sorts of reasons such as debt consolidation, home improvement, small business financing, investment opportunities, and more.
13. Selling stock images and graphics
If you like taking pictures, you can make money in your sleep by selling stock images on websites like Shutterstock, Getty Images, or Adobe Stock.
People buy stock images for all sorts of reasons, such as to put on their website, within articles and blog posts, on social media, and more. I buy stock images all the time because they can help to make a blog post more enjoyable to read (you can find several stock images within this blog post, in fact).
A great thing about stock content websites is that they can bring in money even when you’re not actively working. You take pictures, put them on the site, and they can keep making money for a long time.
Some common types of pictures that you can sell include travel, business, people, food, animals, health, fashion, sports, and more.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
14. Start a membership site
Creating a membership site where people pay a regular fee (such as each month or each year) for special content, resources, or services is a way to make money.
Some examples of membership sites that you can start include:
Stock image library – You can sell a collection of pictures or videos that subscribers can use for their own projects (such as their own business). Subscribers pay for access to this media library. I personally have been paying for a stock photo membership for years, and I think they are amazingly helpful.
Newsletter – Send valuable and special content straight to your subscribers’ email inboxes regularly where you charge a subscription fee for access.
Mastermind groups – You can form small, focused groups of individuals who come together to support and challenge each other in achieving their goals, and you charge a membership fee for participation. I have seen mastermind groups go for anywhere from free to tens of thousands of dollars a year to participate.
Freelance job board – You can start a site where freelancers can find real job listings and opportunities. Members pay for access to these job listings because they want to find real jobs that pay (instead of having to weed through fake ads or low paying ones).
Consulting or coaching services – You can give personalized advice, coaching sessions, or access to a private community for members looking for guidance in a specific area, like life coaching or business consulting.
Fitness membership – You can create a platform with workout plans, meal plans, and wellness tips. Members pay a monthly fee for access to this content.
Digital downloads library – You can create a library of downloadable resources like ebooks, templates, or software. Subscribers gain access by becoming members.
Community forum – You could create a community around a shared interest or hobby where members can engage in discussions, ask questions, and share experiences, and you charge a fee for access.
Online courses membership – You can start a platform where you have courses on a specific subject, like photography, cooking, or digital marketing, where subscribers then pay a monthly fee to access the content.
Keep in mind, the secret to a successful membership site is giving real benefits to your subscribers. So, whether it’s great content, a helpful community, or useful resources, make sure your members feel like they’re getting what they paid for so that they keep their subscription for months and years to come.
15. Sleep studies and mattress testing
Taking part in sleep studies and mattress testing will most likely not be a long-term, reliable source of income, but it can earn you some extra money while you literally sleep.
You can find these by researching local sleep clinics or mattress companies that have paid studies or testing. Many universities also pay for sleep studies, such as the Harvard Division of Sleep Medicine.
The amount of money you can make depends on the specific study or testing, but it can be an interesting way to earn some extra money or get a free mattress for your time.
16. Vending machine business
Running a vending machine business can be a good way to make money, and you can sell different kinds of products. You may be able to earn over $1,000 a month with a well-run vending machine business.
Here are some ideas of what you can sell in a vending machine:
Snacks and drinks:
Chips
Candy
Nuts and seeds
Cookies
Soda
Bottled water
Energy drinks
Juices
Healthy and organic food:
Granola bars
Dried fruits
Nut mixes
Organic snacks
Low-calorie drinks
Hot drinks:
Coffee (regular, decaf, specialty)
Tea
Hot chocolate
Frozen treats:
Ice cream
Frozen yogurt
Popsicles
Fresh food:
Sandwiches (pre-packaged)
Salads (in sealed containers)
Fruit cups
Yogurt parfaits
Personal care and hygiene items:
Tampons and pads
Toothbrushes and toothpaste
Hand sanitizer
Makeup
Vitamins and supplements
First aid kits
Pain relievers
Electronics and accessories:
Phone chargers
Headphones
Power banks
Office and school supplies:
Notebooks
Pens and pencils
Sticky notes
USB drives
Specialized items:
Fishing bait and supplies
Beauty and skincare products
Baby items (diapers, wipes, toys, snacks)
Recommended reading: How I Make $7,000 Monthly With A Vending Machine Business
17. Amazon FBA
Amazon FBA (Fulfillment by Amazon) is where sellers store products in Amazon’s fulfillment centers, and Amazon handles customer shipping, returns, and customer service on the seller’s behalf. By using FBA, you can sell a variety of products without worrying about storing inventory or handling shipping logistics.
You would be finding the products to sell, though. Even if you have no experience selling on Amazon, you can earn money selling household goods, toys, books, electronics, and so on.
If you want to learn more about starting an Amazon business, I recommend signing up for this free training that will teach you how to sell products on Amazon and make $100 to $500 per day.
Recommended reading: How To Work From Home Selling On Amazon FBA
18. Write a book
People can buy books at any time of the day, including while you are sleeping.
Self-publishing online platforms, such as Amazon KDP (Amazon’s Kindle Direct Publishing platform), allow you to reach a broad audience without the need for a traditional publisher.
Writing your own book is a great way to make money from home, and there is probably something helpful that you could write about (even if you think otherwise!). One very popular topic right now is romance novels, in fact.
Recommended reading: How Alyssa is making $200 a DAY in book sales passively
19. Develop and sell an app
If you have technical skills, developing and selling an app can be a way to make money overnight while you are sleeping.
Creating your own app, whether it’s a helpful tool, a fun game, or something else, can help you to make passive income.
Even though it will take some work and money up front, once your app is in the app stores, it can generate revenue no matter the time.
Some ideas for apps that you could create include a budgeting tracker, meal planner, fitness tracker, meditation app, travel itinerary planner, and more.
You will want to do some research, and make sure that there are people who want to use the app that you are thinking about creating, of course. You could start brainstorming ideas by thinking about what kind of app you think could be helpful in your life to have.
Frequently Asked Questions On How To Make Money While You Sleep
Below are answers to common questions on how to make money while you sleep.
What is passive income?
Passive income is money you earn without actively working, and instead, it comes from investments, businesses, or assets that require minimal effort on your part. Now, that doesn’t mean that making passive income is easy, as you will most likely have to put in a lot of work in the beginning to get started. But, it can be well worth it to make money at any time of the day. Passive income is personally my absolute favorite way to make money.
Which businesses make income overnight? What businesses make money while you sleep?
A few businesses that can generate income even when you’re not actively working are online stores, affiliate marketing websites, and selling printables. These businesses run online, making them accessible to customers 24/7 so people can use them.
What did Warren Buffett say about making money while you sleep?
Warren Buffett, a successful investor and businessman, is quoted as saying, “If you don’t find a way to make money while you sleep, you will work until you die.” This goes to show how important it is to find ways to make money without constantly working a regular 9-to-5 job.
What is the best way to make money while you sleep? – Summary
I hope you enjoyed this article on how to make money while sleeping. As you can see, there are many full-time jobs and side hustles to make money while you sleep such as:
Blogging
Affiliate marketing
Selling printables
Investing in real estate
Starting a YouTube channel
Dropshipping
Selling online courses
Putting your money in high yield savings accounts
Dividends
Rent out your garage
Hosting webinars
Peer-to-peer lending
Selling stock images
Start a membership site
Sleep studies and mattress testing
Vending machine business
Amazon FBA
Write a book
Develop and sell an app
Do you want to learn how to make money while you sleep?
Have you ever noticed that certain people take up a new hobby, and suddenly that’s all they’ll talk about? It’s not that their personalities are actually changing, but they’re certainly adapting to the situation at hand, and maybe getting a little hyper-focused or narrow-minded about it. We’ve asked our friends on Reddit to chime in on the most common hobbies or life-changes that people adopt, and then won’t shut up about.
1. Being a Military Wife
One user shared, “Wives of military men.”
Another user added, “You know they post about how brave their ‘hubby’ is daily.”
One commenter replied, “I hate the word ‘hubby’.”
Another Redditor commented, “Can confirm. Have a cousin like this. The husband is nowhere near seeing any kind of combat. She was stationed overseas in Germany for a couple of years, and she would never leave base to do anything but loved to complain about how bored she was. [She] had zero interest in taking in anything related to German culture, food, sightseeing, etc. She was also pregnant at one point. They were stationed there and insisted US hospitals were superior to German ones. She Said she was scared to have the baby in a German hospital because the US ones were better. You would’ve thought she was in a third-world country the way she went on about Germany and how scared she was to be there. Apparently, her friends on base were also all just like this.”
2. Obsessing Over Great Britain
“My Texas high school had a British club. I’m actually a British citizen, so I tried to join. Those people were nuts. They made Doctor Who and Sherlock their whole personalities,” one user posted.
Another user commented, “This is just the BBC version of the anime club.”
One commenter replied, “On Tumblr, they were called Teaboos sometimes.”
Another Redditor posted, “When I watched the BBC version of Sherlock for the first time as a teenager, I realized with horror that my brother had based his entire personality on it. He had the same coat, the same condescending and sardonic manner, everything. The only thing he couldn’t get right was the actual genius part, so he’d mutter very intensely about subjects not deserving of that intensity and confuse everyone. He’s actually still quite difficult to have a conversation with because he has no idea how to learn things from other people—it always has to be him explaining things to you and not the other way around. Otherwise, he’ll just walk away.”
3. Being in a Relationship
One Redditor shared, “Relationships. I have friends who legit have no clue who they are without a man by their side. Their self-worth is measured strictly by the ‘quality’ of the guy willing to stand beside them.”
One user replied, “This is painfully accurate. My sister graduated med school, but my mom didn’t tell her she was proud until she brought home a bf.”
One added, “My mom was the same. It didn’t matter what I did. She only ‘stopped worrying’ when I got engaged (to a complete bad person who I would never have looked twice at if he hadn’t swooped in during a very low point, including my mother’s terminal illness). God, I’d love to go back in time for a do-over on all of that.”
4. Refusing to Change
“Being a bad person. You meet a lot of people who are like, ‘Sorry, I’m an a-. It’s just who I am’,” one user posted.
Another added, “‘I tell it like it is.’ No, you’re just tactless and have no awareness.”
However, one user replied, “As someone who was like this who did a lot of self-reflection about why I was popular and when you’re popular, people laugh at you for being a bad person sometimes, and it feels good, if enough people validate it growing up without any social consequences, you learn to think it’s fine. At most, someone will go, ‘Haha, omg, you’re such an a-‘ and roll their eyes. Eventually, you get away from the group of people who accepted your a–h-lery and made you believe it was funny and go out in the world. Being a grown a- isn’t cute, so you either lean in and think everyone is just getting too sensitive, or you realize that you have to do more than just be a bad person to get people to laugh and like you.”
5. Watching Anime
One online user shared, “Anime. I like it, but many people take it to a new level.”
Another user commented, “I knew a woman like that. She lives in cosplay, and her kids are named after anime characters. Edit: Forgot to add that she says ‘Hello, minna-san!’ all the time.”
One Redditor added, “Yeah, tbh. I’m a mega-fan, but there’s a fine line where sharing what you love drifts into projecting it everywhere. The opposite is true where your passion is censored because it’s not ‘in vogue’ or breaks normalcy, so it’s a very fine line. Don’t name your kids ‘Gendo Ikari’.”
6. Smoking
“Smoking weed,” one user shared.
Another confirmed, “Hear hear. I smoke quite a lot myself, but I absolutely can’t stand stereotypical potheads.”
One commenter added, “Same. I’m the biggest stoner I know and people are always shocked to find out even after knowing me for months.”
Another user replied, “Most of my friends smoke. I’m down to one oddball that still wants to talk about terpenes, and how well this batch was cured or not, and the subtle hints of flavor that always make him assume the strain is something different than advertised. At least that only lasts 20 mins, and then we can talk about all the movies/music/shows that were so much better in our day (we’re 40).”
7. Loving Astrology
One user posted, “Zodiac signs.”
Another replied, “‘I’m a Virgo.’ ‘No, Kelly, you are just a [terrible person]’.”
8. Acting
“Theater,” one user posted.
Another user replied, “As somebody who does his theatre, I can confirm it’s frustrating and annoying.”
9. Being a Writer
One user shared, “Being a writer—even if they barely ever write.”
Another user replied, “‘I’m working on some plot holes, okay? So what if I haven’t touched my book in, like, three weeks?’… shut up…”
“I mean, three weeks can just be a healthy break from an activity!” one Redditor added.
One commenter added, “‘Oh, I know it hurts now, but look at the bright side: You have some new material for that novel you’ve been writing. You know…the novel you’ve been workin’ on? You know the one, uh, you’ve been workin’ on for three years? You know, the novel. You got somethin’ new to write about now. You know? Maybe a main character gets into a relationship and suffers a little heartbreak? Somethin’ like what… what you’ve just been through? Draw from the real-life experience? Little, little heartbreak? You know? Work it into the story? Make the characters a little more three-dimensional. Little, uh, richer experience for the reader? Do those two hundred pages really keep the reader guessing what will happen? Some twists and turns? A little epilogue? Everybody learns that the hero’s journey isn’t always a happy one. Oh, I look forward to reading it.’—Stewie Griffin.”
10. Using Propane
One user commented, “Propane and propane accessories.”
A user added, “I tell you what.”
11. Doing Crossfit
“CrossFit,” one user shared.
Another added, “The first rule of CrossFit is, you must always talk about CrossFit…”
One commenter replied, “I know a couple that loves CrossFit. They’ve never done it personally, but they are physical therapists, and the injuries from people emphasizing rep numbers over form has been great for their bottom line.”
12. Being a Hipster
“You’ll never meet a group of more infuriating w-nkers than when you meet the people who are really into the local indie music scene…” one user posted.
Another user replied, “Amen. However, as a reformed local indie rocker, I can confidently say that the worst offenders in this category were rarely the musicians themselves. I, for one, always forgot everyone’s names and proudly told them it was because I was just terrible at being a hipster…….. OH S- F-. IM RELAPSING. HELP!”
13. Loving the Office
One user commented, “The Office!”
Another Redditor added, “Also friends.”
One commenter replied, “Which friend character are you? Which friend’s character are you? Which friend’s character are you?”
14. Owning a Tesla
“Owning a Tesla,” one user shared.
Another added, “The only thing worse than a Tesla owner is a Jeep owner.”
One Redditor said, “Some Jeep owners, yeah. I’m on my fourth one. And I have loved them all. They’ve all been stock Cherokees except my current one. An 06 GRAND Cherokee. Oh yeah, baby. It’s got a headphone jack in the dash so I can plug my phone in, f—ing plush up in that b–ch. Got four cup holders, too. And keep your underwear on. It’s got a coolant leak as well.”
15. Declaring Your Sexuality
One user commented, “I’m sure I’m gonna get a lot of hate but sexuality. Being straight or being gay is not a personality trait. It’s just one aspect of who you are.”
Another replied, “Imma upvote you now before the haters show up.”
One user added, “I hard agree, but I also try to understand that some people have been denied what they are for so long that when given the chance, they’ll go all out. Like, I’m gay and dating a trans dude. But I’ve never felt persecuted for my sexuality. He has. I’d never tell him to stop waving his flags because I know he’s been in a place where he wasn’t allowed to. *Oh. They got gold for this take. Well, that’s… Worrying”
16. Being Sarcastic
One Redditor posted, “Sarcasm.”
Another added, “I hate this. People think ‘sarcasm’ makes them come off as interesting and intelligent, but a lot of it is just low-hanging fruit jabs or just being d–chy.”
17. Loving Disney
One user commented, “Disney.”
Another added, “I’m a physician. I had a senior while doing a year of general surgery training. My senior wanted to do trauma surgery. He was petty, mean, brilliantly smart, and a complete a-h- to anybody as or less intelligent:
“The precise moment that he would show a half second of relaxation: DISNEY TO THE TENTH EXPONENT. Writing notes: Disney theme park background music. Packed Lunch: Disney-themed pasta/sandwich combos. Going out for social hour: Disney watch/scarf.
“I always wondered how this dude could look at me so vehemently and still have such a cotton Candy, whimsical core. Great doctor and surgeon, though.”
One commenter replied, “Disney adults are strange people, man. My wife is a physician, and her other physician friend is getting married this spring. She’s a bit younger than us (4-5 years) and has had the luxury of making a physician’s salary while having very little in the way of actual life expenses due to having parents who continue to pay her bills for her.
“Anyway, she tells my wife and their friend group that she’s engaged and the wedding will be in Iceland. We’re pumped because we’ve always wanted to go to Iceland, and we’re fortunate enough to be able to afford to go to the wedding if we save up. It’s a year from now, so we have time to save up and also make it like a mini vacation. So a few weeks later, she texts her friend group that Iceland is off, and they’re getting married at Disney World.
“I’ll be honest: that was a head-scratcher for my wife because none of her friends knew she was that into Disney. We think it will be at one of the resort hotels around Disney World, with some pretty cool/nice hotels. Oh no, no, no. They are getting married in front of the castle in Magic Kingdom—and here’s the best part—it can’t be during park hours, so they were given the option of it happening at 8 am or 10 pm. They chose 8 am. Might I mention they are also paying $60,000 just for the ceremony?
“I get that having a destination wedding in another country is cost-prohibitive if you want a lot of friends and family there. Iceland would have been very cool, and, for admittedly selfish reasons, we were a little bummed about it not being there. But it’s understandable.
“However, with every new detail my wife gets from the bride-to-be, it seems like it will be a pretty terrible experience. Having to pay for an overpriced hotel and getting up at the crack of dawn to get dressed up and stand in the swampy humidity of Florida so two grown adults can be married by Mickey Mouse sounds like it’s going to be a total bad show. So yeah, Disney adults are strange.”
18. Breaking Up
One user posted, “One bad breakup…”
Another user replied, “This is true. I had a friend who would not care about a girl she dated back before COVID (f—ing 2020) who did some a- [things] to her up until a few months ago. At least now she’s dating again, so we constantly hear about her new partner most of the time…”
19. Working
“Their occupation,” one user shared.
Another user replied, “‘I’m a nurse. What’s your superpower…’ merch. yuck. Sincerely, a nurse.”
One Redditor said, “This was my first thought. I hate those ridiculous things! I work with a nurse with multiple nursing-related tattoos, coffee cups, handbags, and a license plate frame. So cringe.”
20. Owning Guns
One Redditor shared, “Guns.”
Another user replied, “As a gun owner, I can’t tell you how cringeworthy this is. I own firearms myself, but it is just a hobby, and that’s it. Most of the other time, I read books, work, be a dad, or play Diablo 4. I barely bring it up unless I am around others who happen to bring it up or discuss their experiences shooting firearms or what firearms they’re going to purchase. The minute I see gun owners rocking punisher skull s- or other tacticool stuff, I play dumb and just act as if I’ve never held a gun. Those people are annoying.”
Do you agree with the things listed above? Share your thoughts below.
Source: Reddit.
10 Crazy Good Movies Where Women Are the Bad Guys
Are you looking for a movie night with a twist? Look no further than these Reddit-voted top ten films where women take on the destructive bad guy role.
10 Crazy Good Movies Where Women Are the Bad Guys
10 of the Worst TV Series Ever According to the Internet
There’s Seinfeld, The Sopranos, Game of Thrones, The Office, and other legendary shows. But have you considered that for each show that garners universal critical acclaim, there is an inverse show lurking on the other end of the IMDb rating scale?
10 of the Worst TV Series Ever According to the Internet
15 Cover Songs that are Better than the Original
Sometimes, a cover of a song ends up doing far better than the original. Some covers are so good that we didn’t even realize the cover version wasn’t actually the original.
15 Cover Songs that are Better than the Original
These 11 Movies Are So Bad You’ll Wish You Could Unsee Them
The movies we love best are a combination of excellent characters, plots, stories and cinematography. But if these factors can make great movies, they can also make terrible movies—the ones that make people cringe, the ones we swear they’ll never watch again.
These 11 Movies Are So Bad You’ll Wish You Could Unsee Them
10 Celebrities Who Are Universally Disliked
People will always have preferences and something to say about celebrities. What you might love may not be the same for others. Whether it’s about their past behaviors, legal issues, or feuds with other celebrities, here is a list of celebrities people just cannot stand.
The low-hanging fruit of refi has long been picked A refi wave that has now passed it’s stage of yielding easy pickings, Sweeney suggested. “We had a lot of people enter the market who did not understand what market cycles look like, what kind of volatility they were in store for – but you did,” … [Read more…]
Although both are certainly beloved, the Bluegrass State is known for more than the world-famous Kentucky Derby and Colonel’s fried chicken. As people from all over learn about the delightful weather and cost of living perks the state has to offer, Kentucky is changing at a rapid clip, while still holding onto everything that makes it special.
Kentucky average rent prices
Renters who don’t wish to drop thousands every month on housing would do well to consider Kentucky. The average rent price for a one-bedroom unit across the entire state is just $1,082. That’s down 1.1 percent over the last year. Emphasis on the word “average” – there are still plenty of cities in Kentucky that are even more affordable to call home, unlike, say, San Francisco or Boston.
The cheapest cities in Kentucky for renters
Looking for the best possible deal? We’ve done all the heavy lifting for you! Check out the 10 cheapest places to live in Kentucky, complete with average rent price and stats on how the rates have changed over the last year.
10. Louisville
Average 1-BR rent price: $1,108
Average rent change in the past year: +3.98%
Those who consider Kentucky fully country couldn’t be more wrong. Indeed, this largest city in the state has all the creature comforts a metro-seeker could want. But with enough warmth and beauty to rival anywhere else in the state. Found in the north-central area of the state, Louisville residents benefit from proximity to other major cities, like Cincinnati (1.5-hour drive), Lexington and Frankfort.
Not surprisingly, most people associate Louisville with its most famous event, the Kentucky Derby, held at Churchill Downs every May. It also hosts the Kentucky State Fair on an annual basis, complete with rides, games and still more equestrian/agricultural-based events to enjoy. Some things never change, though, and Louisville remains one of the world’s leading producers of tobacco and bourbon.
Currently, a one-bedroom apartment in Louisville rents for an average of just over $1,100 a month, an uptick of nearly 4 percent since last year. Although it’s not the cheapest place to live in Kentucky, it’s definitely one of them!
9. Florence
Average 1-BR rent price: $1,058
Average rent change in the past year: +10.22%
Close to the northernmost section of the oddly-shaped state, the city of Florence is more convenient to Cincinnati than it is to the vast majority of Kentucky’s big cities. In fact, at only a 20-minute drive from Cincy, Florence is actually a suburb of the big city. Because of this, it’s not too shocking that Florence is in the midst of a full-on growth spurt. Which is probably why rent prices have jumped more than 10 percent in the last year. Currently, Florence is the 8th largest city in Kentucky, with about 33,000 residents to its credit.
Even if you’ve never stopped in Florence, you’ve likely seen its most famous landmark along I-75 while driving through, the “Florence Y’all” water tower. Turfway Park is another popular local attraction, as the site of the annual Kentucky Derby prep race, the “Jim Beam Stakes.”
A one-bedroom unit in Florence rents at slightly over $1,000 a month. It seems poised to go higher if the more than 10 percent increase over the last year is any indication. Hopefully, it maintains its spot on the cheapest places to live in Kentucky.
8. Bowling Green
Average 1-BR rent price: $974
Average rent change in the past year: +18.04%
The city of Bowling Green really lives up to its name, thanks to the lush, vibrant landscape that makes up the area. Found in the southern section of Kentucky, Bowling Green is the third-largest city in The Bluegrass State. Its nearly 60,000 residents fall only behind only Lexington and Louisville. This is the first city on our list of the cheapest places to live in Kentucky to come in at under $1,000 per month in rent. However, it might not stay that way for long. Prices for a one-bedroom unit are up 18.04 percent since last year.
Bowling Green has a ton going for it, industry-wise, with a number of major employers calling the city home, including Fruit of the Loom/Russell Athletics, Camping World and General Motors’ Corvette assembly plant, among many others. Western Kentucky University and all of the educational/basketball opportunities it entails is another local gem. Bowling Green is also well-decorated, in terms of accolades. A couple of those include National Geographic’s “10 Best All-American Cities” list, its designation as “The Best Place to Live in Kentucky,” per MONEY Magazine, as well as Forbes’ “Top 25 Places to Retire.”
7. Fort Thomas
Average 1-BR rent price: $966
Average rent change in the past year: +2.43%
Smack on the southern bank of the Ohio River is the northeastern Kentucky city of Fort Thomas. This suburb only six miles south of Cincinnati is loaded with appeal, thanks to its active, engaged community and a full list of events. In particular, the weekly farmer’s market is a popular place to socialize, buy locally-sourced products and generally enjoy the atmosphere this lovely town has to offer. Currently, a one-bedroom unit averages $966 a month, a slight increase of 2.43 percent since this time last year.
Fort Thomas obviously has historical significance from a military perspective, as it was an induction center where men and women enlisted during World War I and World War II. The historic fort, now known as Tower Park, still stands! The Fort Thomas Military and Community Museum is a fabulous place to take a tour and learn more about the important role this city played during trying times.
6. Taylor Mill
Average 1-BR rent price: $960
Average rent change in the past year: 0.0%
It’s status quo for Taylor Mill, at least as far as rent prices are concerned. A one-bedroom rental averages $960 a month, the exact same as last year. With not quite 7,000 residents, Taylor Mill is a quaint community where everyone seems to know everyone else. Yet another Kentucky city near Cincinnati, Taylor Mill residents enjoy all the perks of the nearby metro, but with a quaint, country feel.
It’s also a sports lover’s paradise. Highlights of the area include the Bill Cappel Sports Complex, as well as a local youth softball facility. Close proximity to Northern Kentucky University makes it easy for residents to get that undergraduate or advanced degree near home.
5. Lexington
Average 1-BR rent price: $896
Average rent change in the past year: -2.73%
Just east of Louisville is the homey city of Lexington, which is next on our list of the cheapest places to live in Kentucky. Rent prices are down nearly 3 percent compared with last year, so a one-bedroom unit averages just less than $900 a month.
Also known as the “Horse Capital of the World,” Lexington is quintessential Kentucky. Experience the state in all its authentic glory via a distillery tour, zip-line trip or a milkshake and a snack at the historic Wheeler Pharmacy.
Lex also has a lot of culture to its credit, with a chic dining scene and active calendar at the Lexington Opera House. In fact, the dawn of the 19th century earned the city the nickname, the “Athens of the West,” thanks to its population stacked with forward-thinking intellectuals. As a result, there’s something for everyone in Lexington, no matter how wide and varied your tastes are!
4. Fort Mitchell
Average 1-BR rent price: $807
Average rent change in the past year: -0.82%
Rent prices dipped ever so slightly in the northern Kentucky city of Fort Mitchell over the last year, with a one-bedroom renting for just over $800. Yet another Cincy suburb, Fort Mitchell is the proud home of the landmark Greyhound Tavern, one of the most award-winning restaurants in the entire state. Those with a taste for the slightly odd can take in the sight of hundreds of ventriloquist dummies at the Vent Haven: Ventriloquist Museum.
Fort Mitchell is popular with young professionals and families, as it’s an easy commute but still surrounded by lots of fun things to enjoy. Restaurants and pubs sprinkle the area, plus there’s a ton of green space to take advantage of during the mild weather months.
3. Fairdale
Average 1-BR rent price: $771
Average rent change in the past year: +0.69%
Part of the Louisville metro area, the comparatively small city of Fairdale has a population of around 9,000 Kentuckians. Adventure-seekers can literally swing by the Zipline Kingdom in Jefferson Memorial Forest, which itself is the largest municipal urban forest in the country. At 6,500 acres, there are trails for hikers, bikers, horseback riders and so on. Plus, there are spots for camping, fishing and about anything else an outdoorsy person could want.
Fairdale’s surrounding areas are also pretty fun, with lots of wineries and distilleries to enjoy. There is plenty for the entire family to do, with the zoo, Speed Art Museum and Kart Kountry (the longest go-cart track in the world) just around the corner from Fairdale. At $771 a month for a one-bedroom unit, it’s ever so affordable to rent in this homey community, even if the price did go up slightly in the last year.
2. Southgate
Average 1-BR rent price: $631
Average rent change in the past year: +5.34%
Next to Fort Thomas near the Ohio border, Southgate falls well below the $700 a month rent threshold. A standard one-bedroom is $631 a month, despite the fact that the area saw a 5.34 percent rent increase over the last year.
There aren’t a ton of rentals to choose from in this itty-bitty community of only 3,800 residents, but those available in the historic neighborhood are quite charming. Established in 1907, the city is especially proud of its efforts to preserve green space and has been awarded Tree City USA designation every year since 2005. Southgate also has a fishing lake, park and active community center where people of all ages regularly congregate.
1. Henderson
Average 1-BR rent price: $538
Average rent change in the past year: +0.50%
Topping our list of the cheapest places to live in Kentucky is the city of Henderson. Yet another one on the banks of the Ohio River, this one flirts with the Indiana border. Home to Audubon State Park, this western Kentucky city is larger than many of the others on our list, with nearly 30,000 residents. Currently, you can find a one-bedroom apartment for an average price of $538 per month, an increase of only half a percent from this time last year.
That low, low price gets a renter access to plenty of fun stuff, as Henderson has a storied reputation for its events. For example, the W.C. Handy Blues and Barbecue Festival is held every June and is among the nation’s largest free music festivals.
Then, every July sees the Sandy Lee Watkins Songwriters Festival, full of acoustic performers from talented artists. Of course, August wouldn’t be right in this area of Kentucky without the annual Bluegrass in the Park and Folklife Festival, held right on Henderson’s picturesque riverfront.
Locals and visitors alike also love to enjoy the area’s outdoorsy options, like canoeing through the Sloughs Wildlife Management Area or a stroll through Atkinson Park Riverwalk for excellent views of the area’s wetlands. Don’t forget to hit Ellis Park Race Course for thoroughbred racing. They also have hilarious events like ostrich, camel and wiener dog races!
Kentucky fried affordability
Whatever size, scope or price point you’re looking for, there’s somewhere for you among the cheapest places to live in Kentucky. Bonus — there’s bound to be at least one KFC nearby when the fried chicken urge strikes!
Methodology
Rent prices are based on a one-year rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory as of August 2023. Our team uses a weighted average formula that more accurately represents price availability for each unit type and reduces the influence of seasonality on rent prices in specific markets.
We excluded cities with insufficient inventory from this report.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.
Devoted to AIME Shelton is an active member of AIME, including acting as a “state captain” for her home state of Michigan. Earlier this year, AIME launched the program comprising volunteers from its rank and file to help effect positive legislative change on behalf of the broker channel. To that end, Shelton is involved in … [Read more…]
Forex is a portmanteau of the two words “foreign” and “exchange,” and implies the purchase or sale of one particular currency for another. Although Forex trading might at first glance seem like a form of gambling, the tools, strategies, and skills involved with Forex trading do not rely on chance and sheer luck to the degree they do in gambling activity.
Learning the terminology and basics of Forex trading is like learning any new language. Some of the most important terms in Forex trading include currency pairs, pip, and margin. These are some basic Forex terms that you should know when you are looking to venture in trading. Having a working knowledge of basic Forex terminology is a great way to build a solid foundation for trading.
Pips and their value
In the English language, a pip is another word for a small, hard seed in a fruit. In terms of currency exchange, it has another definition entirely. To answer the question, what is a pip in forex, it is the smallest unit of measurement to denote the change in value of two designated currencies. Pips are price increments that have a value dependent on the particular currency you are trading.
For example, if you are trading between Euros and United States dollars, the pip extends out to four decimals, or .0001. In other words, it is one-hundredth of one percent. However, the value is different for other currencies such as if you are dealing with United States dollars and Japanese yen, where a pip will be worth .01. Pip calculators are valuable tools to help do the math for specific currency pairs.
Currency pairs – major, minor, and exotic
To start off the list, currency pairs are just like the name suggests – they are the two currencies that comprise the exchange rate like GBP/USD, which is the currency pair for British pound sterling and United States dollars.
Another major currency pair is EUR/USD, which is the currency pair for Euros as the official currency of the European Union’s nineteen member states and United States dollars. Major currency pairs are one of the three types of currency pairs in Forex trading, along with minor and exotic.
Margins – what they are
In Forex trading, the margin is the amount of currency that is required for a trader to commence a transaction. As a general rule of thumb, a margin above 100% is considered to be acceptable, but it is better and safer to shoot for a margin that is 200% at the minimum.
Find topics in marketing, technology, and social media for realtors, and housing market resources for homeowners. Be sure to subscribe to Digital Age of Real Estate.