Were you alive before social media? Someone recently asked, “Do you believe the world was better before social media?” The responses were mixed, but here are the top-voted answers.
Yes, Pre-Smartphones
Someone said, “Pre-smartphone, yes. But social media has less to do with it; we had AOL Instant Messenger and small social media sites before smartphones. If you think about it differently, it’s as if you could only smoke cigarettes at one table in your own house. It would be a lot harder to get addicted to them. Before smartphones, you didn’t take social media with you everywhere. It’s mainly smartphones.”
No, It’s Helped More Than Hurt
“Social media have helped many people communicate, make friends, and know what they want. Social media platforms are not terrible; some people misuse them, but they have more good than bad,” another suggested.
Yes, It’s Damaging Our Kids
“As a mom of two daughters, some of the main things that I have noticed are a shorter attention span. Videos are quick, TikTok and Snapchat, so they do not have any patience. I also think it’s made younger kids hyper-critical of themselves. When I was in school, I would compare myself to my classmates, and that’s about it.”
“Now they have the internet to compare themselves with everyone. I noticed my daughters taking many pictures of themselves and picking apart everything. When I took a photo of myself, I had to wait until the role was finished then, send it out for processing, and then when I got it back, there might’ve been one or two that weren’t blurry and that I thought I looked decent in so I was happy,” one said.
No, We Know More Because of Social Media
“No,” claimed one. “We’re all far more aware of how messed up the world is thanks to social media, which is super stressful knowledge to carry but hasn’t made things worse, to my mind. We know about child slavery, unchecked brutal capitalism, and human rights abuses.”
“We see selfishness on display daily. But read some books from the 1800s or early 1900s. Take a little dig through history. The world was never better. It was just cloaked a bit better and easier to ignore.”
Yes, Short-Form Videos Need to Go
“Short-form videos need to disappear because of their dopamine addiction problems (TikTok and YT shorts). Twitter is a dumpster fire of echo chambers interrupted by short turf wars. Facebook is a breeding ground for conspiracy theories and political propaganda,” one shared.
“Instagram fosters lonely performative interaction and disconnection from people. This is an extension of the monetized attention cable news propaganda of the 90s. Unfortunately, it all started there and has gotten worse. The monetization of attention is destroying societal bonds and friendships.”
No, It’s Sparked Reform
“No,” another said. “So many profound things have been created, done, and shared via social media. Real-time updates on world events, sharing of corruption in offices, armies, police, etc. The gathering of people to protest and get reforms passed.”
“Of course, with these tools comes the capability to create much evil. It is up to the world to regulate and eliminate. And contain these horrible things, ideas, and people. After we can do that, we will indeed be able to get the most out of social media.”
Mixed Reviews
“We are in a constant tug-of-war between utopia and dystopia with technology. Social media makes people hate each other and argue more than ever. But, at the same time, it unites the world and lets people freely discuss and share issues that are going on that we wouldn’t otherwise know,” shared one.
“For example, without social media, we would have no idea about the protests in the Middle East right now (at least not to the extent of it). At the same time, we’re divided more than ever and full of misinformation. It’s a daily battle between whether social media is great or horrible.”
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Maybe?
“Maybe? I couldn’t imagine myself without the joy and friendships I’ve built from talking to people on social media. Obviously, social media has detrimental effects on the youth, but to say the world was overall better? I’m honestly divided,” another confessed.
Source: Reddit.
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The COVID-19 pandemic could result in waves of people moving from the city and into the suburbs in search of more space, forecasts show.
While 30% of American say they’ve browsed real estate listings recently, those who live in urban areas are twice as likely as those living in the suburbs or rural areas to actually be interested in buying or renting a home or apartment, according to a new Harris Poll conducted last month. Almost a third of American say they’re considering a move to a less densely populated area due to the coronavirus, the same poll shows. Moreover, nearly four in 10 of those respondents were urbanites who say COVID-19 is what has prompted them to consider such a move.
John Downs, a real estate pro with Berkshire Hathaway in Connecticut, told The Wall Street Journal he’s expecting to see much greater demand for McMansions in more remote locations, once the coronavirus has passed. He said that he’s already noticed an increase in inquiries about properties in remote areas from city dwellers.
A separate report by CNBC shows an uptick among New York’s wealthiest residents who’re looking to move into the suburbs or exurbs in order to enjoy a less crowded lifestyle. Most are seeking more space and distance from their neighbors and crowds, real estate professionals say. For some, it may be they’re interested in buying a second home that’s still close to the city. For others, it may be more permanent.
“It seems like everyone wants to leave the city,” said Steve Magnuson, a broker with Douglas Elliman in Greenwich, Connecticut, in an interview with CNBC. “Our problem is not enough inventory for sale. We’ve been on the phone 24/7 and on email.”
Magnuson recently rented a five-bedroom home with an infinity pool in Greenwich for $55,000 a month—a record high for the town. The rental is now available again but is listed at a more expensive price—$65,000 per month—and has a waitlist of 18 people desiring to rent it.
People in the city who are eyeing suburbia are looking for a more spacious place to run, walk, and ride bikes. Wealthy buyers are also focusing on homes with a pool, large home office, and strong internet and cell services, Magnuson notes.
Could the rush from city to the suburbs be temporary, as it was following the Sept. 11, 2001, terrorist attacks? Brokers report a momentary shift in the market during that time as more people fled the city. But they quickly returned, driven by overseas buyers and young professionals. Even without an exodus, brokers are still banking on a desire for second homes to grow among the wealthy after the pandemic.
“Being able to go someplace not far from your home, where you have a home office and can keep your friends and family safe—that’s number one,” Magnuson told CNBC.
Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected]
It’s almost time for Dodger baseball. You’re rolling west along Sunset Boulevard, visions of Mookie Betts and Clayton Kershaw and Julio Urías happily dancing through your mind.
You’re one block from turning onto Vin Scully Avenue and into Dodger Stadium when you notice a black billboard, looming ominously above an auto repair shop called Fernando’s Tires. The billboard features this name, in bright white letters: Frank McCourt.
That guy?
Yes, that guy, the one who traded two Boston parking lots and what one of his attorneys said was “not a penny” of his own cash for ownership of the Dodgers. Yes, the one who dragged the storied team into bankruptcy amid Major League Baseball allegations he had “looted” $189 million from team revenues for personal use. And, yes, the one who laughed all the way to the bank, selling the Dodgers for a billion-dollar profit in 2012.
He did not, however, sell the parking lots that surround the stadium. In 2018, he pitched a gondola that would transport fans from Union Station to Dodger Stadium.
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Five years later, the proposal is still alive, now shepherded by an environmental organization delighted at the prospect of the gondola taking cars off the streets and keeping pollutants out of the air. That Sunset Boulevard billboard and others like it are brought to you by opponents of the gondola, taking aim at the project in part by relentlessly associating it with McCourt.
The Dodgers are guaranteed to play 81 games at Dodger Stadium every year, with playoff games traditionally added in October and concert dates sprinkled throughout the year. That leaves skeptics within the community to wonder why McCourt would promote a gondola ride to a stadium parking lot that would be empty three out of every four days during the year.
Unless, of course, the lot would not be empty.
McCourt’s company, now known as McCourt Global, highlights this slogan: “Building for tomorrow.” McCourt did not sell the Dodger Stadium parking lots because he anticipated building something there, some day.
What might that be? And is the gondola intended to carry us to that day?
The pursuit of those answers took me to Dodger Stadium, to City Hall and to a meeting of MLB owners. First, however, I stopped at a weathered red brick building in the Arts District, an old furniture and fabric warehouse reimagined as a laboratory for energy innovation.
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Three colorful banners greeted visitors, one with the hue of a bright blue sky. “Welcome,” that banner read, “to the Cleantech Future of Power and Water.”
The interior comes alive with vibrancy and urgency, and with work on dozens of concepts. Any one of them, building managers say, could emerge as “the next big idea to fight climate change.”
The Dodger Stadium gondola represents such an idea, according to its proponents. Climate Resolve, a nonprofit based in that building, agreed to take the reins from McCourt in leading the project.
“From my perspective,” said Climate Resolve founder and executive director Jonathan Parfrey, “to have a gondola transporting people from Union Station to Dodger Stadium, and to have that exciting, beautiful conveyance identified as a climate action?
“It changes the way people approach public transit. So it was very attractive to us.”
With baseball’s new hurry-up rules, you could miss half the game if you get stuck in Dodger Stadium’s oft-snarled traffic and get to your seat an hour after the first pitch.
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The gondola alternative: get to Union Station, hop aboard a spacious cabin that could arrive every 23 seconds, soar high above the city, and arrive at Dodger Stadium in seven minutes.
The climate benefit is easy to envision: fewer fans in cars powered by gasoline; more fans in gondolas powered by electricity.
A promotional video for the proposed Dodger Stadium gondola project released by Los Angeles Aerial Rapid Transit.
The climate downside is easy to envision too: massive development at Dodger Stadium, with neighborhood disruption for years of construction, and with cars converging upon the stadium every day, not just on game days.
“I’m involved in this project,” Parfrey said, “and I brought my organization into this project, predicated on there not being development on that land.”
Not now, or not ever?
“Not for the foreseeable future,” he said.
Parfrey said he had been given “assurances” that the gondola was not a first step toward Dodger Stadium development. I asked who had given him those assurances, or who I could ask to get those same assurances.
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“Ask Frank,” he said.
Near Lot G at Dodger Stadium, along the long slog from the outer reaches of the parking lots to a stadium entrance behind left field, a colorful model of a gondola cabin awaits you. You can step inside the 24-seat cabin, then imagine a ride that would allow you to skip traffic to the ballpark and instead, as the signage reads: “GET THERE BY AIR.”
You can even find a helpful decal, showing you where to stand to take a picture with the gondola cabin in the foreground and the stadium in the background.
The display of a model cabin takes a page from the playbook for pitching a new stadium or arena. Models and renderings can excite fans, but they also can obscure a critical question about any big project: Looks cool, but who is going to pay for this?
The cost of building the gondola was estimated at $300 million in 2020 and is expected to rise by the time a financing plan is finalized, said David Grannis of Point C Partners, a transportation and land use consultancy working with Climate Resolve.
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The McCourt entity that originated the gondola concept, LA Aerial Rapid Transit, has agreed to fund the approval process, including environmental studies and permit applications, project spokesman Nathan Click said. It is up to Climate Resolve to figure out how to pay for construction, as well as for annual operating costs Grannis estimated at between $5 million and $10 million.
The gondola won’t make money, at least not under the current plan of free rides for fans with a Dodgers ticket and neighborhood residents with a Metro pass.
Parfrey said taxpayers would not be asked to subsidize the gondola.
The hundreds of millions would come from private financing, Grannis said, and largely from sponsorships and the purchase of naming rights.
In 2012, the airline Emirates agreed to pay about $60 million for a 10-year sponsorship of a London gondola — then called the Emirates Air Line — that carried riders above the River Thames and cost $96 million. The current one-way adult fare on the London gondola is $7.50.
“In this case,” Grannis said, “you have a venue that happens to be the best attended in Major League Baseball, and therefore the iconic nature of this cabin flying to Dodger Stadium and taking you there is going to attract a lot of sponsors, a lot of people who want naming rights or sponsorship.
“That’s the big revenue.”
Jeff Marks, the founder and chief executive of Innovative Partnerships Group, brokers naming rights and sponsorship deals between companies and teams, leagues and venues. He said it “could be doable” to cover the cost of building and operating the gondola through corporate sponsorships, but he said even the most generous sponsor might not be willing to strike a nine-figure deal without exposure beyond simply slapping the company’s name on the side of the gondola.
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Marks, speaking generally because he is not involved in the project, said a title sponsor might also want a benefit such as the company name on the field. A hypothetical example: Verizon Field at Dodger Stadium. The Dodgers have hired firms to solicit corporate offers for naming rights to the field and patches on the team jerseys.
Or, Marks said, a primary sponsor might prefer naming rights to whatever development might rise atop the parking lots: Take the Verizon Gondola to the Verizon Village at Dodger Stadium!
Rick Caruso, the developer behind the Grove and Americana shopping and entertainment centers, pursued the Dodgers when McCourt put them up for sale. Caruso commissioned studies on how to improve the notorious congestion for cars getting into and out of the Dodger Stadium parking lots.
Without control of the lots, however, Caruso believed he might not have been able to implement any changes. McCourt insisted he would not sell the lots, and Caruso withdrew from the bidding.
Guggenheim Baseball Management, the winning bidder, took a different approach. Guggenheim, led by Mark Walter and Stan Kasten, bought the Dodgers and their stadium from McCourt. In a separate transaction, a Guggenheim entity formed a joint venture with a McCourt entity to control the parking lots.
In land use documents filed by the joint venture in 2012 and intended to “facilitate the orderly development” of the Dodger Stadium parking lots, the potential property uses cited include homes, offices, restaurants, shops, entertainment venues, medical and academic buildings, a separate sports facility and a hotel and exhibit hall.
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“It is an ill-conceived concept that the highest and best use of Chavez Ravine is 260 acres for parking,” an attorney for McCourt, Tony Natsis, said at the time. “I consider that to be an ill-conceived notion for the owner of the parking lots and the owner of the stadium.”
Walter, the Dodgers’ chairman and controlling owner, said McCourt cannot develop anything on the property without Guggenheim’s consent. What might Walter be thinking in terms of development now?
“I haven’t been thinking about it at all,” Walter said.
Kasten, the Dodgers’ president and chief executive, said the Dodgers support the gondola project but are “really not involved” in it. Walter had a simple explanation for why the Dodgers would back a project that would chew up a chunk of the parking lots in the stadium.
“Hopefully, it will make it easier for people to get there,” he said.
Of the 18,889 parking spaces at the stadium, the gondola station at Dodger Stadium would result in the loss of 194 spaces, according to the environmental impact report for the project.
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To the Dodgers, that would not be a big deal. But this might be: The report projects 10,000 people would ride the gondola to each game by 2042, which could translate to a loss of about 20% of parking revenue.
Kasten called those figures “hypotheticals that I don’t have an answer for,” and project opponents dismissed the ridership projections as unrealistically high, citing a UCLA study.
But a person familiar with the Dodgers’ business model, speaking on condition of anonymity so as not to jeopardize his professional relationships, said the team likely would not agree to give up millions in annual parking fees without some way to recoup that money.
“It does not make sense for the Dodgers to do it if they’re going to lose parking revenue,” the person said. “It does make sense if the gondola is serving a larger development.”
The California Endowment, a nonprofit with offices that would sit beneath the shadow of a 195-foot gondola tower, is leading and largely funding a coalition opposing the project. In court papers, the Endowment cited the Dodger Stadium development proposal McCourt unveiled when he owned the team and alleged the gondola would be “a loss leader for the future development of parking lots at Dodger Stadium.”
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What would Kasten say to Angelenos who would like to know whether the gondola comes first and development comes next?
“That’s a question you’ll have to address to someone else,” Kasten said.
To the people proposing the gondola?
“Yes,” Kasten said. “That’s where I would direct my questions.”
I had. And what had I been told? Ask Frank.
On April 9, 2021, for the first time in 32 years, the Dodgers raised a World Series championship banner. The Dodgers bestowed the honor of hoisting the treasured flag upon five people, including three of their own: Dodgers co-owners Magic Johnson and Billie Jean King, each decorated champions in their own right, and Hall of Fame broadcaster Jaime Jarrín.
The other two: Eric Garcetti, then the mayor of Los Angeles, and Gil Cedillo, then the city councilman representing the district that includes Dodger Stadium.
The Dodgers forged a strong working relationship with Cedillo. The team and nine of its senior executives combined to make $13,800 in campaign contributions to him from 2013 to ‘22, according to city records.
Cedillo lost his bid for re-election last year, defeated by community activist Eunisses Hernandez. Kasten and Hernandez each expressed a desire to work together for the benefit of the fans and the community.
Garcetti, who has backed the gondola from the time McCourt first pitched it five years ago, said the Dodgers never have hinted to him that mass development would be in the works at Dodger Stadium.
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“I think there is a vision of trying to make it less of a once- or twice-a-year kind of a place for a family, when you go to a game,” Garcetti said before he left office last December, “and more of an asset: the best view in L.A., a place for more special events, a place where baseball history can be celebrated.
“I think their core business is baseball, and they want to protect that.”
The environmental impact report does not contemplate development at Dodger Stadium. The report states “no housing units are proposed” as part of the project and “additional approvals requiring further environmental review would be necessary” for any development at the stadium or elsewhere along the gondola route.
For Hernandez, that language is not enough. The councilwoman said she has “a lot of concerns” about the gondola.
“I am not convinced that this is an effective solution to reducing vehicle congestion,” she said, “and I share the neighborhood’s concerns about displacement and disruption.”
Hernandez said she is not necessarily opposed to development at Dodger Stadium, provided affordable housing is a priority. She is opposed to considering the gondola on its own, without any consideration of whether development might follow and what it might involve.
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“I don’t think it’s appropriate to undertake such large-scale projects without a full and clear understanding of long-term plans,” Hernandez said. “This shouldn’t be piecemealed out, and I want to see additional development plans made clear.
“That is the honest approach, and that’s what will allow the community, the city, and all involved entities to make a clear-eyed decision.”
Steve Soboroff, who was the mayoral point man on the construction of Staples Center and later president of the Playa Vista development near LAX, worked briefly with McCourt in the final year of his Dodgers ownership.
Soboroff is not involved in the gondola project. He said the most effective way to build community support for the project would be to offer transparency about the long-term plan, even if the gondola would come first and any development would come later.
“That would be the path that I would choose,” Soboroff said.
It was time for me to do what Parfrey had suggested: Ask Frank.
The Dodgers have prospered without McCourt, and McCourt has prospered without the Dodgers.
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He bought the storied French soccer club Olympique de Marseille. He donated $200 million to what is now called the McCourt School of Public Policy at Georgetown University. He launched Project Liberty, an initiative to reform the Internet in the interest of serving “people, not platforms.”
As McCourt told Leaders Magazine: “Our technology today is great if you want to support autocracy, but it is not so great if you want to support individual rights and the freedoms and liberties assorted with democracy.”
McCourt still owns the Los Angeles Marathon, which starts at Dodger Stadium. During the past two months, as Urbanize LA reported, McCourt entities revealed plans to construct 502 apartments in three buildings on two sites along Stadium Way and another one block south, overlooking the 110 Freeway. The apartment buildings are planned regardless of whether the gondola is approved, said Brin Frazier, a spokeswoman for McCourt.
The applicant for the apartment projects is listed in city records as Jordan Lang, president of two McCourt entities: McCourt Partners Real Estate and Aerial Rapid Transit Technologies.
Lang’s company biography makes no mention of any experience in other transportation projects but touts his leadership in completing “millions of square feet of office, hotel, residential and mixed-use projects.”
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The prospect of developing such a large site on the outskirts of downtown is so rare that the city’s movers and shakers have floated concepts for decades. Caruso and I talked about some of them 18 years ago, long before McCourt put the team up for sale or Caruso ran unsuccessfully for mayor.
Peter O’Malley, the revered former Dodgers owner, proposed building an NFL stadium in the Dodger Stadium parking lot in 1995. McCourt revived the idea in 2005.
The other four MLB teams in California all have pursued mixed-use developments surrounding their ballparks. The Angels’ most recent proposal — since killed by the city of Anaheim amid a corruption scandal — would have included more than 5,000 homes on a site roughly half the size of the Dodger Stadium property.
“We need more housing,” Garcetti said. “We need it to be centrally located. We need it to be affordable. I think, if you meet those criteria, you can start a conversation with the city.”
Or, perhaps, development at Dodger Stadium could mean a selection of food halls, restaurants and bars, enticing enough to lure fans to arrive long before the game and stick around after it ends. That in itself could ease the neighborhood traffic bottlenecks on game days, gondola or no gondola.
Parfrey, who said his nonprofit agreed to take the lead on the gondola project based on what he said was a promise of no development on the land, said his organization would not support a ballpark neighborhood arising on the property but would support a plan to put a restaurant here and there within the parking lot.
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“We would go early and go to the restaurants,” Parfrey said.
Parfrey, remember, was the guy who told me to “ask Frank” about the “assurances” that the arrival of the gondola would not trigger development. I mentioned that to Frazier, McCourt’s spokeswoman, and asked if I could speak to him about that.
“Frank,” she said, “is not available.”
Watch L.A. Times Today at 7 p.m. on Spectrum News 1 on Channel 1 or live stream on the Spectrum News App. Palos Verdes Peninsula and Orange County viewers can watch on Cox Systems on channel 99.
Today we’ll check out another one of the newcomers in the mortgage industry that is all about technology and low rates, aptly named “Lower Mortgage.”
Similar to Better, which is also a one-word-named mortgage company, they like to keep things simple and make it easy to apply for a home loan.
That means you can get started right on their website, or even begin your home loan process with a text message.
They’re also all about things being lower, whether it’s mortgage rates, lender fees, monthly payments, or the amount of hassle it takes to get a mortgage.
They even take a subtle jab at Quicken Loans on their website, saying “No rocketry. Just the important stuff—like lower rates.”
Let’s find out more about this low-loving, techy mortgage lender.
Lower Mortgage Quick Facts
Direct-to-consumer mortgage lender that offers home purchase loans and refinances
Launched in 2018, headquartered in New Albany, Ohio (just outside Columbus)
Originated roughly $5 billion in home loans last year
Licensed in 43 states and the District of Columbia
A top-rated lender on LendingTree that has won several customer satisfaction awards
They have a sister company called Homeside Financial (founded in 2013)
Exclusive mortgage provider for Opendoor
Lower, which actually refers to itself as a technology company, was launched in December 2018.
The main goal of the company is to improve the online mortgage and refinance experience, knowing that the majority of applicants start the process on the Internet.
In a sense, they’re kind of like Rocket Mortgage, which is the tech platform backed by parent company Quicken Loans.
Anyway, Lower is located in New Albany, Ohio, which is just outside Columbus and has been around since the end of 2018.
They’re currently licensed to do business in 43 states and the District of Columbia.
They don’t seem to do business in Hawaii, Nevada, New York, Rhode Island, South Dakota, Vermont, or Wyoming.
Last year, their parent company funded nearly $2 billion in home loans, with about half for home purchases and the remainder refis.
While they’re available in most states, the most volume came from states in the Midwest and Mid-Atlantic, notably Illinois and North Carolina, and their home state of Ohio.
It should be noted that Lower Mortgage also has a sister company called Homeside Financial, which was founded back in 2013 by current Lower CEO Dan Snyder.
Applying for a Mortgage at Lower
You can apply for a home loan directly from their website without assistance
They utilize a loan recommendation engine that relies upon artificial intelligence (AI)
It’s also possible to text or call them to get started on your application if you need help
Lower offers a digital mortgage process with document uploading, eSign technology, and more
Lower is definitely a new-age mortgage lender that relies heavily on tech. And a certain cool factor that differentiates them from the older, stale banks and lenders.
Aside from having a snazzy looking website, they also have a virtual loan assistant known as LOAi. It uses artificial intelligence to help you pick the best home loan for your unique situation.
Data is analyzed from thousands of closed loans and other peer data points to deliver a personal home loan recommendation in real-time.
In terms of applying for a home loan, you can do so right on their website by clicking “Apply Now.”
You actually get three options, including a “Jump Start,” “Quick Apply,” and a simple text to get the ball rolling. Clearly, they are a mortgage lender geared toward Millennials and Gen Z.
Use a Human or Navigate Lower.com on your Own
It’s also possible to just call them up if you’d like to speak to a human (they’re open Monday through Saturday).
If you choose the Jump Start option, it’s probably just a short contact form. This means a loan officer will get in touch after completion.
The Quick Apply Option appears to be sort of like a quick mortgage pre-qualification sans hard credit pull to start the actual loan process.
My assumption is you can complete mostly everything online or via smartphone since they’re a so-called “techy” mortgage lender.
This may include linking financial accounts, scanning and uploading paperwork, and eSigning documents along the way.
But humans are also available if and when you need them to discuss loan options, loan rates, or to answer any other mortgage questions you may have.
All in all, they pride themselves on making it quick and easy to get a mortgage, and all operations are conducted under one roof at Lower HQ.
Loan Types Offered by Lower
Home purchase loans
Refinance loans (rate and term and cash out)
Conventional loans backed by Fannie Mae and Freddie Mac
Government-backed loans including FHA loans, USDA loans, VA loans
Jumbo home loans
Home equity lines of credit (HELOCs)
Fixed-rate and adjustable-rate mortgage options available
Lower appears to keep things pretty simple, though they should have loan programs to suit most borrowers.
It is my understanding that you can get financing on all property types, including primary residences, vacation homes, and investment properties, including condos/townhomes.
You can get both a home purchase loan or a refinance, including a cash out refinance. They say you can access up to 95% of your home’s equity, which may separate them from other lenders.
This might be accomplished via a combo loan, utilizing a home equity line of credit (HELOC) and a first mortgage.
In any case, if you want to tap into your home equity, Lower might be a good option. But they also make it easy for those purchasing a home as well.
If they’re anything like their parent company Homeside Financial, you should be able to get a conforming loan, jumbo loan, or a government-backed loan such as a FHA loan or VA loan.
Both fixed-rate and adjustable-rate options are available, including 30/15 fixed mortgages and hybrid ARMs like the popular 5/1 ARM.
Lower’s Free Refi for Life Deal
For a limited time (unclear how long exactly), if you use Lower.com to buy a home or refinance, you won’t have to pay lending fees on future refinances, for life.
If you do refinance with Lower again, they’ll waive any Lower retained fees. This includes an applicable loan origination fee, underwriting fee, processing fee, or administrative fees.
However, it does not apply to any discount points or any third-party settlement service fees such as title insurance, home appraisal fee, or credit report fee.
You must have closed the previous refinance transaction with Lower at least six months prior to any subsequent application
Lower.com Mortgage Rates
With a name like Lower, you better publicize your mortgage rates, right?
Well, they do, right on their homepage, albeit just one rate, a 30-year fixed, which they refer to as “Today’s Lower Rate.”
While the rate appeared to be really low, they did disclose that it required 2.25 discount points, which can be pretty expensive.
For example, on a $300,000 loan amount, that’s $6,750 in closing costs, not to mention any other fees that must be paid.
They also list three competitors, which at the time of this writing, included Quicken Loans, Wells Fargo, and the Bankrate average.
As you might suspect, they beat all three handily, both on interest rate and mortgage APR, the latter of which factors in lender fees.
Speaking of, they actually have a page dedicated to lender fees on their website, but it only lists possible fees you might be charged, sans any actual dollar amounts.
This makes it a bit unclear as to what they charge and how much it might set you back.
Remember to look beyond mortgage rate alone, and really dig into the closing costs when comparing Lower to other mortgage lenders to ensure you get the best deal.
Lower Is the Exclusive Mortgage Provider for Opendoor
In early 2023, Lower became the exclusive mortgage fulfillment provider for Opendoor.
Opendoor is an iBuyer that helps home buyers an sellers. In order to focus on that business, they are outsourcing their mortgage services to Lower.
So if you work with Opendoor, there’s a good chance they’ll refer you to Lower for mortgage financing.
However, Opendoor customers are allowed to use any licensed mortgage lender.
Lower refers to it as a “Mortgage as a Service” (MaaS) platform. Simply put, companies can offer mortgage products to their customers via Lower.
Lower Mortgage Reviews
On LendingTree, they’ve got a 4.9-star rating out of 5 based on more than 2,100 customer reviews, along with a 99% recommendation rate.
They also have seven accolades from LT, including a top-10 for home lending customer satisfaction for Q1, Q2, and Q3 of 2020, along with Q4 of 2019, and similar awards for home equity lending.
On Zillow, they have a 4.92-star rating out of 5 on nearly 3,000 reviews, many of which say the interest rate was lower than expected. I sure hope so with a name like that…
Their parent company Homeside Financial is not Better Business Bureau accredited, but does enjoy an ‘A+’ rating at the moment based on customer complaint history.
In summary, Lower Mortgage is probably a good pick for someone who wants a low mortgage rate with limited fees that is comfortable applying for a home loan without much help (though it is available).
Lower Mortgage Pros and Cons
The Good
Offer a tech-enabled digital mortgage process
Can apply for a home loan directly from their website or via smartphone
They apparently have low mortgage rates and low lender fees
May be able to access more money because they offer HELOCs
Don’t charge lender fees on subsequent refinance transactions for life
Every spring marks the start of homebuying season – a period where home sales spike. For title professionals, homebuying season is our “busy season,” with professionals working tirelessly to ensure that property titles are clear of any liens or other defects ahead of closing day.
For many buyers, closing day represents the beginning of the next chapter in their lives – having a new place to celebrate important milestones and create new memories. For others, it represents the culmination of years of sacrifice that allowed them to save enough money for down payment.
Unfortunately, as buyers are preparing for this momentous day, wire fraud – a scam in which cybercriminals attempt to steal buyers’ hard-earned money – poses a serious threat. This homebuying season – and year-round – industry professionals must do their part to ensure home buyers understand the threat of real estate wire fraud and how they can protect themselves.
According to the National Association of Realtors’ 2023 Home Buyers and Sellers Generational Trends Report, approximately one in four homebuyers today are first-time buyers. These consumers often face a steep learning curve when beginning the homebuying process, which makes them especially vulnerable to scams.
But for even the most digitally savvy and seasoned homebuyer, wire fraud continues to pose a serious threat. Cybercriminals have become more sophisticated over the last decade and more skilled at tricking unsuspecting homebuyers into wiring their funds into a fraudulent account.
Wire fraud typically starts with a technique called phishing, where future buyers are tricked into inputting their private information or clicking a link that allows cybercriminals to steal their login information. Once hackers gain access to an email account, they will monitor messages to see if the person is a homebuyer and then use the stolen information to email fraudulent wire transfer instructions disguised to appear as if they came from a trusted real estate professional.
According to the Internet Crime Complaint Center (IC3)’s 2022 Internet Crime Report, business email compromise (BEC) – which includes real estate wire transfer fraud – has grown from $676 million in reported losses in 2017 to $2.7 billion in reported losses in 2022. As home values rise, so do the loss amounts from these scams. Additionally, the number of reported victims has slowly risen from 19,954 in 2021 to 21,832 in 2022. These numbers are probably even higher as not all fraud is reported. Consumers should report any fraud to the FBI at www.ic3.gov.
As real estate professionals, we have a responsibility to make sure our customers are aware of these scams and have the tools they need to protect themselves. Through increased consumer awareness and educational efforts, we know that there will be fewer victims.
That is why it has been a longstanding strategic priority of the American Land Title Association (ALTA) and our members to increase awareness of real estate wire fraud and educate consumers on how to best protect themselves against these sophisticated criminals. Across the country, title companies are putting consumer warnings on websites and communications and sending notices to consumers and real estate agents informing them of the scams.
At ALTA, we regularly host webinars and education sessions for real estate professionals and consumers, and we have a consumer education website, homeclosing101.org, with a multitude of resources – from instructional videos to infographics to help homebuyers protect themselves. ALTA has worked in close collaboration with industry partners, federal agencies such as the Department of Housing and Urban Development and its housing counseling network, and law enforcement to elevate the issue and share data about the scope and sophistication of the threat.
In November, the FBI released a report that summarizes its efforts to combat business email compromise (BEC) scams and real estate wire fraud by working with partners to identify perpetrators and dismantle their organizations. The report was spurred by ALTA’s efforts the past two years to get language included in various House and Senate appropriations reports directing respective agencies to report on efforts to combat and raise awareness of BEC and wire fraud, and collaborate with industry partners to address threats.
Through continued industry collaboration, we believe we can significantly reduce the number of victims each year. Our industry is proud of our leadership to raise awareness about wire transfer fraud, educate real estate industry professionals and consumers, and implement procedures to safeguard real estate funds, but we know that our work is not finished.
In the meantime, we encourage homebuyers, sellers, and real estate professionals to remain vigilant.
Diane Tomb is CEO of the American Land Title Association, the national trade association representing the land title insurance and settlement services industry, which employs more than 120,000 people working in every county in the United States.
Today we’ll take a hard look at First Internet Bank, which is a frequent advertiser on the Zillow Mortgage Marketplace.
Their full name is actually First Internet Bank of Indiana, but seeing that they’re licensed to do business nationwide, why focus only on the Hoosier State?
Interestingly, their name is in fact factual because they are apparently the first FDIC-insured institution to operate entirely online.
Aside from offering checking, savings, and money market accounts, they also originate lots of home loans. That segment of their business will be the focus for this review.
First Internet Bank Fast Facts
Publicly traded bank founded in 1999 by David Becker
Corporate headquarters located in Fishers, Indiana
First FDIC-insured institution to operate entirely online
Offer home loans, personal loans, student loans, credit cards, depository accounts, and more
Originated about $700 million in mortgages last year
Licensed nationally but most active in Indiana, California, and Texas
First Internet Bank of Indiana was founded in 1999 by current CEO David Becker, who had a vision to conduct banking exclusively online.
He’s seemed to be on to something, because here we are 20 years later applying for home loans on our smartphones.
Anyway, you can be pretty confident they’re up to speed on technology seeing that their humble beginnings were driven by innovation and technology.
But they’re also a pretty large publicly-traded bank, so despite not having physical branches, they’ve got the soundness and security of a large financial institution.
Last year, the online mortgage lender mustered about $700 million in home loans, and may be on track for a $1 billion+ origination year in 2020.
They’re licensed to conduct business nationwide, but did the most volume in their home state of Indiana. A good chunk of business also came from California and Texas.
How to Apply for a Home Loan with First Internet Bank
Since they’re an e-bank you can apply for a mortgage directly from their website
Their digital mortgage platform is powered by fintech company Blend
It’s also possible to call them directly or chat with any of their loan officers online
Borrowers can complete most of the loan process remotely and paperlessly
You’ve got a few options to get the ball rolling with First Internet Bank. If you head over to their website, it’s possible to apply for a mortgage without any human assistance.
Simply navigate to their mortgage page, then select either “apply now” or “get pre-approved.”
Both options lead to the same place, a digital mortgage application powered by Blend.
It allows you to complete most of the application electronically, including the ability to link financial accounts, pay stubs, and employment information.
You can also eSign documents for fast delivery and once approved, you’ll be able to use their loan portal to satisfy any required conditions and to check loan status.
Those who wish to generate a pre-approval letter can do so via the same online mortgage application.
Alternatively, you can navigate to the loan officers tab and check out all the folks who work at First Internet Bank.
You can view their profile, contact information, and even chat with them immediately online if it shows they’re available.
If you’re old school, you can also simply call them up on the phone to get started.
All in all, you’ve got plenty of options when it comes to applying for a home loan, which is a nice touch.
And the fact that they use fintech company Blend for their digital mortgage process is also a big plus.
Home Loan Programs Offered by First Internet Bank
Home purchase loans
Refinance loans
Conforming loans
Jumbo home loans
FHA loans and VA loans
Construction-to-perm loans
Home equity loans
Home equity lines of credit
Fixed-rate and adjustable-rate options are available
First Internet Bank has home loan programs to suit most borrowers, including home purchase loans, refinance loans (rate and term and cash out), and construction loans.
The only big loan category they’re missing is USDA home loans.
However, they still offer conventional loans backed by Fannie Mae and Freddie Mac, jumbo home loans with just 10% down, FHA loans, and VA loans.
Additionally, you can get a home equity line of credit (HELOC) or a home equity loan, something many of the nonbank lenders can’t offer.
So if you’re in need of a second mortgage, even a piggyback mortgage, they might have the edge there.
They lend on all types of properties, including primary residences, second homes, and investment properties.
You can get a fixed-rate mortgage, such as a 30-year or 15-year mortgage, or an adjustable-rate mortgage, such as a 5/1 ARM or 7/1 ARM.
First Internet Bank Mortgage Rates
While they don’t list mortgage rates on their own website, Zillow shoppers may come across them when shopping rates via the Zillow Mortgage Marketplace.
From what I saw on Zillow, they offered competitive rates relative to other lenders listed, and often advertised lender fees under $100, or even just $1 on certain loan products (basically a no cost refinance).
They may have been an eighth of a percent higher than the cheapest lender listed, but with lower fees. So potentially still the best combination of rate and fees.
The fact that they operate entirely online means they can cut down on typical overhead costs incurred by brick-and-mortar banks. Hopefully those savings are passed onto you.
Why they don’t list mortgage rates on their own website is another question, but that’s their choice and not necessarily a bad thing.
However, you can request a free rate quote on their website, though only after providing your contact info. So calling or chatting may be best if you wish to remain anonymous at first.
All in all, they appear to be very reasonable pricing-wise on both rates and fees, so that shouldn’t be a concern for most prospective customers, but always put in the time to shop and compare with other lenders.
First Internet Bank Mortgage Reviews
First Internet Bank has a stellar 4.87-star rating on SocialSurvey based on over 1,200 customer reviews specifically regarding their mortgage division.
They’ve also got a 4.9 out of 5 rating on LendingTree with a 97% recommend rating.
On Zillow, they have a 4.7-star rating out of 5 based on over 600 customer reviews, with many reviewers indicated that both closing costs and rates were lower than expected.
Additionally, they take the time to respond to all the reviews on Zillow, so if you want feedback from your feedback, you’ll probably be in luck.
The company is also Better Business Bureau accredited and has been since 2013. They currently sport an ‘A+’ BBB rating.
So it seems clear they are a well-liked bank and mortgage lender across all the major ratings companies.
In summary, First Internet Bank is certainly worth considering if shopping for a home loan, assuming you are comfortable working remotely.
But this may make them better suited for refinances as opposed to home purchase loans.
First Internet Bank Mortgage Pros and Cons
The Pros
Offer a digital home loan process powered by Blend
Can apply for a mortgage without human assistance
Ability to chat with loan officers via their website
Excellent customer reviews from past mortgage customers
A+ BBB rating and accredited company
Appear to offer low mortgage rates with limited lender fees
Lots of different loan programs to choose from including home equity loans and lines
Nothing says vacation like a trip to the beach, where the ocean washes away our day-to-day lives, a cold drink helps beat the heat, and the only care in the world is remembering to apply (and reapply) sunscreen.
A great beach vacation usually starts with a great place to stay — and for points and miles enthusiasts (and those new to the game), one of the best ways to get a top-notch beach resort is booking through World of Hyatt, considered the most award-friendly hotel program out there.
The U.S. is full of both great beaches and great Hyatt properties where the sun and sand are as friendly as World of Hyatt’s award chart. Here, you’ll find Hyatt resorts — from the iconic beaches of Maui to the East Coast sands near Charleston, South Carolina — and plenty of family-friendly beaches perfect for all ages.
Just don’t forget the power of the World of Hyatt program and how easy it is to book some of the portfolio’s best beach resorts by transferring points from credit card reward programs like Chase Ultimate Rewards, so all of your summer dreams can come true.
Andaz Maui at Wailea Resort
Wailea, Maui, Hawaii, USA
ANDAZ MAUI AT WAILEA RESORT/HYATT
Best for: Easy beach access with plenty of dining and outdoor fun to be had right at the hotel.
Why stay here: Enjoy boutique hotel-style design amid all the amenities and outdoor fun of a sprawling beachside resort.
As one of the best hotels on Maui and among the best hotels in Hawaii as a whole, it makes perfect sense that the chic and family-friendly Andaz Maui at Wailea is also one of the absolute best U.S. beach resorts in Hyatt’s extensive portfolio.
The resort checks all the boxes, starting with location: 15 stunning beachfront acres on Mokapu Beach. Add in 320 guest rooms with private lanais, a series of suites, plus two- and four-bedroom villas, and you’ve got all the necessary ingredients for the perfect Hawaii vacation.
At the resort, guests can spend their days lazing by any of the resort’s five pools — including infinity pools, a lagoon pool and even an adults-only option — or head to Mokapu Beach and relax in a lounge chair under an umbrella.
For something more active, the resort can arrange snorkeling and whale-watching excursions, golf days or a trip to a pineapple farm. After a day of exploring, head to the 14,000-square-foot Awili Spa and Salon for a heated hibiscus body wrap ($205 for 60 minutes) to truly become one with paradise.
As for food, don’t worry about going hungry as there are four restaurants to enjoy, including the family-style Hawaiian restaurant Kaana Kitchen; a lounge with tropical cocktails and small bites; a beach/pool bar serving light lunches perfect for a day out in the sun; and Morimoto Maui, a world-class sushi restaurant from celebrity chef Masaharu Morimoto. Also, since it’s Hawaii, after all, be sure to make a reservation for The Feast at Mokapu Luau, where guests are served a delicious dinner with a side of culture in the form of music, dance and more.
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Rates at Andaz Maui at Wailea Resort currently start at $890 per night plus a $50 daily resort fee (on paid rates). World of Hyatt members can book award nights from 35,000 points per night.
Grand Hyatt Kauai Resort & Spa
Koloa, Kauai, Hawaii, USA
GRAND HYATT KAUAI RESORT AND SPA/PATRICK KELLEY/PARK HYATT
Best for: Families traveling to Hawaii who want to enjoy a full roster of activities without leaving the resort.
Why stay here: The Grand Hyatt Kauai Resort & Spa is a destination unto itself with pools, waterfalls, a water park-style waterslide and tons of scheduled activities for the kids, including Hawaiian cultural lessons.
Called “a crown jewel in Hyatt’s resort lineup” by one of TPG’s most well-traveled staffers, it’s safe to say that this massive resort full of fun for all types of travelers should be on every Hyatt loyalist’s bucket list.
On a pristine stretch of beach in Poipu, this place is exactly what you think of when you conjure up images of a Hawaii resort: multiple pools and a saltwater lagoon, a lazy river, waterfalls and dozens and dozens of slender palm trees swaying in the breeze.
With over 600 rooms and suites, there’s an accommodation option for every need, and they all come with a private lanai to help breathe in some of that salty Pacific Ocean air. For a full family affair, consider one of the resort’s many suite options, such as the Alii Suite, which can be combined with a connecting guest room to create a three-bedroom suite.
There’s no shortage of activities, which include hitting up the Poipu Bay Golf Course (adjacent to the resort), learning classic Hawaiian songs on a ukulele, attending an over-the-top luau, volunteering with a nearby organization to help keep the island as beautiful as you found it, relaxing at the spa, or just simply parking it on a beach lounger and listening to the sound of the ocean.
Dining options are equally as expansive. For breakfast, hit up the open-air Ilima Terrace for a seared ahi Benedict, have fish tacos for lunch at casual poolside restaurant Hale Nalu, and enjoy a fancy dinner at Tidepools, where Hawaiian dishes are served at a lagoon by a waterfall that’s as beautiful and romantic as Kauai itself.
Rates at Grand Hyatt Kauai Resort & Spa currently start at $761 per night plus a $45 daily resort fee (on paid rates). World of Hyatt members can book award nights from 25,000 points per night.
Hyatt Centric Key West Resort & Spa
Key West, Florida, USA
HYATT
Best for: Sunseekers looking to explore the Keys.
Why stay here: Right on the water and right in Old Town, this hotel is close to all the action.
There’s nowhere quite like Key West, a funky and lively island community in Florida that happens to be the most southern city in the continental United States — and there are few places better to stay there than the Hyatt Centric, a charming oceanfront resort tucked away between the Gulf waters and town.
Here, you won’t find sweeping beaches with views for miles, but rather a small stretch of sand where you can claim a beach chair and live that American island life.
At the pool, which is heated during the cooler months, guests can snack on popsicles while enjoying the southern Florida sun. For full relaxation, spend a few hours at the pool before heading to the Jala Spa for a deep tissue massage (starting at $160 for 50 minutes) or a full-body treatment.
Guests need not worry about dining, as there are a handful of options to choose from on the property — not to mention that Key West itself has tons of incredible restaurants. At the hotel’s dockside location, Four Flamingos, A Richard Blais Key West Kitchen serves sea-to-table dishes like oysters, a fresh catch of the day and more. There’s also a casual bar and grill concept, Blue Mojito Bar and Grill, as well as in-room dining and a coffee shop.
Rates at Hyatt Centric Key West Resort & Spa start around $300 per night plus a $56.25 daily resort fee (on paid rates). World of Hyatt members can book award nights starting at 45,000 points.
The Confidante Miami Beach
Mid-Beach, Miami, Florida, USA
DANIEL ZULIANI/PARK HYATT
Best for: Hyatt status chasers who yearn for something chicer than your typical Hyatt Regency or Hyatt Place.
Why stay here: With an art deco design in a 1940s-era building, a stay here feels vintage – in a good way.
Both Hyatt enthusiasts and beach lovers know that The Confidante Miami Beach, part of Hyatt’s Unbound Collection, is a top-tier resort on a sandy stretch of Miami Beach. Known for its colorful beach and pool chairs, you’ve probably seen this Category 5 Hyatt property on social media at one time or another.
With 339 rooms (including over 30 suites), accommodations at The Confidante range from hip 300-to-400-square-foot king and double rooms with bold textures and a big writing desk to a 980-square-foot penthouse.
The hotel boasts a range of restaurants and eateries, including a casual beach bar-style restaurant; an indoor, midcentury-themed restaurant and bar that harks back to Miami’s past; a grab-and-go coffee shop; and Ambersweet, a restaurant serving local and regional food for breakfast, lunch and dinner in a beautiful setting with tables indoors and out.
The stars of this resort, though, are the pools (including an adults-only option) and direct access to Miami Beach, where dozens of chairs with pastel umbrellas are available for hotel guests to enjoy, along with an attendant to take care of all your needs.
Just know if you’re considering a stay at this iconic hotel, you’d better book fast. The Confidante will be transformed into an Andaz; it was announced in 2022, but we’re still waiting to hear when.
Related: The best hotels in Miami, from luxury beach stays to points properties
Rates at The Confidante start at $279 per night plus a $49 daily resort fee (on paid stays). Reserve this hotel for 17,000 World of Hyatt points on off-peak dates, 20,000 on standard dates and 23,000 points on peak dates.
Hyatt Regency Clearwater Beach Resort & Spa
Clearwater Beach, Florida, USA
RAMON C PURCELL/HYATT
Best for: Beachgoers who want a hotel with home-like amenities right on the water.
Why stay here: For longer stays, this resort offers rooms with full kitchens and laundry facilities, plus a year-round rooftop pool overlooking the ocean.
Roughly 21 miles west of Tampa International Airport (TPA), the Hyatt Regency Clearwater Beach Resort & Spa is a family-friendly affair that’s also a great value.
On the Gulf near Pier 60, the resort has plenty to do and experience, starting with an 8th-floor, year-round pool overlooking the ocean and cabanas to rent with 55-inch TVs and high-speed internet access. There’s also a fitness center to get your workout in and the Sandava Spa to indulge in a little self-care.
The resort has 286 rooms, all with lots of space and balconies. Many rooms have kitchenettes or fully equipped kitchens and even multiple-bedroom options, so you can really treat the place like a home away from home while on vacation.
However, if you want to skip home cooking, don’t fret, as there are plenty of food options to enjoy. At SHOR American Seafood Grill, enjoy American fare for breakfast and seafood dishes for dinner. Savor the lunch or dinner menu of Latin favorites at Tropico Rooftop Cantina. There’s also a casual bar-style restaurant, OffSHOR, with light bites and cocktails, plus a full in-room dining menu.
Rates at Hyatt Regency Clearwater Beach Resort & Spa start at $269 per night, plus a $35 daily resort fee (on paid stays). World of Hyatt members can book award nights starting at 29,000 points per night.
Wild Dunes Resort
Isle of Palms, South Carolina, USA
HYATT
Best for: With an assortment of accommodation types, ranging from standard rooms to large suites and standalone vacation rentals, this resort really is perfect for everyone.
Why stay here: Wild Dunes may feel like an island escape, but it’s an easy commute to Charleston’s cultural attractions, restaurants and nightlife.
At over 1,600 acres, Wild Dunes Resort on the Isle of Palms — a hop, skip and a jump away from downtown Charleston — really has it all and then some.
The resort is made up of four different accommodation styles to fit every type of traveler’s needs: the costal-style Sweetgrass Inn, the more intimate and upscale Boardwalk Inn, one- to three-bedroom suites at the Residences at Sweetgrass and Wild Dunes Vacation Rentals, which offers full property rentals ranging from one-bedroom condos to seven-bedroom houses — and everything in between.
Activities at Wild Dunes are plentiful and can be as fast-paced or relaxing as you need. For a little adventure, go kayaking or paddleboarding before an afternoon of fishing. Practice your golf swing at an oceanfront golf course, or give your backhand a go at the tennis courts. You can also just let it all go at the Spa at Sweetgrass.
Across the resort, there are a handful of pools, including a fun pool complex at Sweetgrass Inn, two smaller pools and the Swim Center, which features a pool with swimming lanes. Of course, there’s also a beautiful stretch of beach to relax in the sunshine with the sound of the waves crashing along the coast.
Being a large resort, there are lots of places to dine, from upscale seafood restaurants and family-friendly Italian restaurants to quick bites and ice cream parlors. There’s even a rooftop bar with beautiful views across the island.
Rates at Wild Dunes start around $315 per night plus a resort fee on paid reservations of 16% daily rate plus tax. Award nights are available starting at 24,000 World of Hyatt points per night.
Hyatt Regency Huntington Beach Resort & Spa
Huntington Beach, California, USA
HYATT
Best for: Families who want space to spread out after long days by the pool or beach.
Why stay here: Pool cabanas and waterslides make for a perfect day in the sun, while a private beach bonfire complete with chairs and s’mores are a fine way to end the evening.
In California, the beaches of the Pacific are calling — and the Hyatt Regency Huntington Beach Resort & Spa is a great place to enjoy it all. Great for families, the resort offers spacious rooms to spread out in, a pool with cabana rentals, fire pit rentals and beautiful Spanish-style architecture fitting of Southern California.
During the days, relax by the pool, book a whale-watching excursion, or sign your kids up for mermaid lessons so they can live out their “Little Mermaid” fantasies. Adults can enjoy time at the Pacific Waters Spa and a cocktail at one of the many bars and restaurants, like the poolside Mankota’s Grill.
Other dining options include the casual and family-friendly Slyders Bar and Café, located by the pool, a grab-and-go pizzeria, coastal cuisine at Pete’s Sunset Grille and the upscale, date-night-appropriate Watertable, which has a menu of Southern California favorites.
As for the accommodations, choose a room that features an outdoor fire pit to really feel like you’re somewhere special or splurge on a larger-than-life suite to make sure the entire crew can spread out comfortably. If you really need more space, there’s even a 2,500-square-foot Presidential Beach House with a fireplace, walk-in closet and giant soaking tub.
Rates at Hyatt Regency Huntington Beach Resort & Spa start around $305 a night plus a $42 per night resort fee (on paid bookings). World of Hyatt members can book award nights starting at 29,000 points per night.
Alila Marea Beach Resort Encinitas
Encinitas, San Diego, California, USA
ALILA MAREA BEACH RESORT/FACEBOOK
Best for: Beach lovers looking for a touch of laid-back luxury.
Why stay here: With a world-class spa and direct beach access, this resort has everything you could want for a sunny SoCal getaway.
North of San Diego in Encinitas, the Alila Marea Beach Resort is a coastal gem that offers luxurious fun in the sun with a side of local-influenced activities designed to make every guest happy.
For starters, the location is just plain gorgeous, as the resort is tucked away on a coastal bluff, and each of the 130 rooms and suites offers picture-perfect views. Speaking of those rooms, each is airy and modern, with a design that reflects the rugged nature of the coastline. For an extra-special experience, book a first-floor Fire Pit Room to unwind in a private seating area in the glow of a fire pit.
At Spa Alila, let your troubles melt away after picking the perfect treatment, like a walnut husk and sugar scrub ($225, 50 minutes) or a Himalayan salt stone massage ($230, 50 minutes).
Guests can also join one of Alila’s signature “Journeys” that incorporate local experiences into your stay, like the Surfboard Quiver. It allows guests to rent (for an extra fee) a surfboard curated by local surfer Rob Machado. If you want to relax oceanside, hit up the beach concierge, who can help you plan the perfect day.
Or, simply post up for the day at the pool overlooking the ocean, where servers are on hand to deliver drinks. For meals, check out the hotel’s signature restaurant, Vaga, helmed by executive chef Claudette Zepeda, or stop for drinks and snacks at The Pocket, a surf-inspired bar with beautiful views of the coast.
Rates at Alila Marea Beach Resort start at $629 per night plus a $55 resort fee (on paid stays). Award nights start at 35,000 World of Hyatt points per night.
Mission Pacific Hotel
Oceanside, California, USA
KATE AUDA/HYATT
Best for: A modern stay near the beach that’s welcoming to your four-legged friends.
Why stay here: The heated rooftop pool overlooking the picturesque pool is second only to the pristine beach across the street.
Not all of Hyatt’s best beach hotels are massive resorts with hundreds of rooms.
One stellar resort that’s on the boutique side of things is the Mission Pacific Hotel, part of JDV by Hyatt. In North San Diego County (technically in Oceanside), the hotel has just 161 rooms and 38 suites, with many featuring breathtaking ocean views, balconies and laid-back but modern interiors. For more space, opt for a suite with a kitchenette.
There’s plenty to do outside of the hotel, like enjoying a stroll on the wooden pier across the street. If you don’t feel like leaving, you won’t get bored. Spend days relaxing in a cabana at the rooftop pool, chilled rosé in hand; hit up the associated Sunny’s Spa & Beauty Lounge across the street for a treatment; or cozy up by an outdoor fire pit and relax in the breezy air.
Guests can’t go wrong with the hotel’s dining options, especially Valle Restaurant, a Michelin Guide-recognized Mexican restaurant from Chef Roberto Alcocer that serves a popular prix-fixe meal. There’s also High/Low, a seasonal California restaurant open for breakfast and lunch, as well as The Rooftop Bar, where pool-goers can drink cocktails and party Thursday-Sunday night with a DJ.
Rates at Mission Pacific Hotel start around $281 per night plus a daily resort fee of $46 (on paid reservations). World of Hyatt members can book award nights starting at 29,000 points per night.
Mar Monte Hotel
Santa Barbara, California, USA
TYSON ELLIS/HYATT
Best for: World of Hyatt members looking for an upscale but understated SoCal spot to redeem their points.
Why stay here: Bright, breezy rooms, a sun-splashed pool area and an elegant restaurant that showcases coastal Italian cuisine are all reasons to spend a night or two here.
In Santa Barbara, California, the Mar Monte Hotel, part of the Unbound Collection by Hyatt, is a timeless property across the street from a great beach that guests can enjoy.
With 200 rooms, guests can select from options that include large ocean-view suites, as well as rooms and suites in the off-property Palmoro, a block-and-a-half away from the main property.
At the hotel, there’s much to enjoy, like live music during the summer, yoga on the beach, a bocce ball court and house bikes guests can rent to explore the area. The hotel can also direct guests to local activities, like sailing or coastal wine tours.
Although Santa Barbara has a great food scene, the hotel’s two restaurants are good reasons to stay put. At Café Lido, grab-and-go breakfast is served in the morning, while the rest of the day features a shareable menu of small Mediterranean plates and cocktails. Costa Kitchen & Bar features a local wine menu accompanied by Italian and Mediterranean dishes served in an ocean-view setting.
Rates at Mar Monte Hotel start at $275 per night plus a $30 daily resort fee (on paid stays). World of Hyatt members can book award nights starting at 21,000 points per night.
When you have a need or a problem, there’s usually a solution that can be bought. Buying a solution is often the easiest and fastest way to solve a problem — but it also can be the most expensive.
When my husband and I were in debt-repayment mode and had our discretionary spending locked down, I began to see that there are alternative solutions to problems that I once thought could only be solved by buying something. Sometimes quality counts, but more often than not, I would choose a solution that required spending more than necessary, when some forethought might have yielded a solution that was less expensive (or even free). Or maybe if I had stopped to think about it, I’d have realized it wasn’t a critical problem, and I could just choose to do nothing about it.
We set a strict budget while we were paying off our debt, so it was necessary to think about alternatives before every purchase to meet our payment goals. The great thing is that it became ingrained in me, and it’s something I continue to try to do. Here are some of the techniques I use.
Repair what you can Repair what you have instead of replacing it. You can do this with clothes, appliances, furniture, and cars. I know someone who used throw away a shirt when it was missing a button rather than paying to have it mended, or learning how to sew on a button himself.
But even if you’re not apt to go the do-it-yourself route, sometimes paying for a repair is worth it when it’s something that is expensive or difficult to replace. Last year I took my boots to a shoe doctor for the first time. I was ready to replace them, but I thought I’d try a repair shop first, and I was pleasantly surprised. The boots were re-heeled, the leather was conditioned, and they looked good-as-new. It would have been much more costly to replace them.
Delay spending Put off the purchase. People do this if they lose their jobs or if they live paycheck-to-paycheck and run out of money at the end of the month. I do it as a game when the credit card closing date is coming up, just to keep the number as low as possible.
Simply shelf the issue for the time being. Give it a week or two. (Or 30 days.) You might even think of a better solution during that period.
You also can do this with regular services. See how long you can stretch out time in between haircuts, for example, especially if your cut is low-maintenance to start. Stretching it out just four more weeks in between appointments reduced what I spend in a year by one-third. And you know, so far my hair is just fine.
Rent, trade, borrow, or take Can you borrow or trade for a solution? If you want a book or a DVD, try out a service like Book Mooch or Swaptree. Try renting tools if you won’t use them enough to warrant owning them. See if friends or family members will let you borrow a tool or appliance (just be sure to send a lovely thank-you note).
Also, don’t forget to check out sites like Freecycle for furniture, appliances, toys, and more. Items are given away for free; you just pay for the gas to pick up your stuff.
Plan ahead Many times we overspend because we’re pressed for time. Maybe you have to get a last-minute Christmas gift for a picky relative. The mall is typically where we end up in that kind of situation, and it’s not likely that you’ll find the perfect gift at a killer price when you’re in a hurry.
Planning ahead gives you the time to find the perfect gift at a great price, or maybe even free if you’re really creative.
Planning ahead isn’t limited to gifts. You can plan ahead for travel, social events, house guests, and more. You can plan your expenditures for any situation that you know about ahead of time.
Find creative solutions to achieve your goal There’s usually more than one way to solve a problem or reach a goal. Craving Chinese take-out? Try making stir-fry at home. Want to have a fun Saturday night with your friends? Throw a potluck or host a game night instead of meeting at a restaurant. Bored and feeling the urge to shop? Try reading a book, going for a walk, or doing something creative.
I’ve found the most inspiration from fellow bloggers:
Instead of completely redecorating a room, try a bit of wallpaper and a fresh coat of paint.
Rather than buying new furniture, consider how a few yards of fabric might breathe new life into the furniture you already own.
Hate the fit of a dress, but love the fabric? Consider a refashion.
Overwhelmed by the expense of baby gear? Find frugal ways to make it yourself.
A quick Google search usually provides new solutions I might not have thought of on my own.
Do nothing Just ignore the need and try to do without. A lot of times if you simply do nothing, you find it’s not as bad as you thought. The best personal example of this was our decision to do nothing about replacing our second car. We also do this when we’re swept off our feet by fancy kitchen gear, and then realize that our cast iron Dutch oven may not be as gorgeous as a porcelain enamel Le Creuset, but it gets the job done.
Make a habit out of questioning your purchases, and try a quick Internet search to see if there’s a less expensive solution out there.
What about you? What have you done lately to improvise, get by with what you have, or find a cheap solution, instead of buying something new? Share your tips!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
The ripple effect of a financial mindset can be seen in every aspect of your life.
Think about it: If you are not mindful of how you spend and save money, then you will be in a constant struggle each and every month.
If you are simply someone who is struggling to make ends meet, there are many things we can do to save money. If you are trying desperately to reach financial freedom sooner, then you need these best money hacks to make it happen sooner.
Around here at Money Bliss, we spend a lot of time on our money mindset and setting goals.
Everyone is in a different season with their finances.
But, one thing is true… Most of us never learned proper money management.
Do you find yourself in a constant cycle of financial struggle? Do you feel like you are constantly trying to live up to unrealistic standards?
It is easy for people to feel that they are constantly broke, and in some cases this is true. But, it is also important to remember that there are ways in which you can make more money and start saving for your future.
Since changing money habits does not always come easy and often requires some serious changes in our mindset, we are here to support you to find the top money hacks.
Read on as we share 50+ ways you can start saving more money as well as making more money while also saving your sanity!
What are Money Hacks?
Money hacks are the ways in which people stretch their money.
These money hacks can come from a variety of sources, such as personal experience, family members or friends, and other individuals on social media.
Money hacks can come in many forms such as:
Simple money saving hacks
Ways to make money on the side
Strategies to make every dollar count
Thrifty ideas to be more frugal
Ideas to be more conscious of our waste
All in all, money hacks will help you to spend less money. Thus, saving more money.
As you will learn at Money Bliss, saving money opens up doors of opportunities
Best Money Hacks
Money hacks are ways to build long-term wealth.
Even though most of the hacks for money include quick saving wins, over the long term, you will actually start a snowball effect of more money in your bank account.
Sometimes, it can be difficult to find the motivation to save money, but these 7 best real money hacks will help you reset your financial mindset and start saving!
The best money hacks are the overarching big picture concepts that you must master for long-term success.
1. Think Big
Open up your mind.
One way to reset your financial mindset is by opening yourself up to new ways of thinking about spending and saving.
Too often, we are focused on what is directly in front of us instead of thinking about the big picture.
A great way to think big with your finances is to decide how you want to live life with intention.
2. Habit of Saving Money
Get back in the habit of saving.
If you have been beyond your means or barely scraping by, the best way to get back on track is by saving at least 20% of your income.
This may seem a little ludicrous. However, by prioritizing saving first, you will be pleasantly surprised how well you live off the rest.
In this post, there will be so many simple and easy ways to start saving today.
3. Make a Plan for Your Money
Create a spending plan (aka that dreaded word budget).
Creating an outline for what you want and need will help you to make smarter decisions about your spending.
This concept has been made too difficult over the years.
The bottom line is you want to spend less than you make. So, make a plan for that to happen today.
4. Make Money on the Side
This one is huge!
Personally, making extra money has been a priority for the last 5 years. We spent many years trying to cut our expenses and hating our inability to actually spend less as a growing family. So, we changed our focus to finding ways to make more money instead.
Start a side hustle. If you are not making enough to live comfortably, start a side hustle! Use your unique skill set to make extra cash.
Pick up a second job or ask for more hours.
There are plenty of ways to make money fast.
5. Invest in Stock Market
This means a way to make money or increase your net worth. AKA make your money work for you.
Too many times, the concept of investing is big and scary. The thought of starting is way too overwhelming. So you put it off until next week or next month. Then, a couple of years go by and you have not invested your money.
That is the biggest financial mistake you can make.
Start small by investing in an index fund. Each month consistently add more money.
If you want to learn to trade stocks, then you must enroll in the best investing course I have found.
Read my in-depth investing course review.
6. Pay Off Debt
Ugh… debt is the cash flow killer.
You are unable to make forward progress if you are straddled by debt.
Figure out how to pay off debt ASAP.
When calculating how long it will take to pay off high-interest debt, you should consider paying the highest interest rate first. Here is the best debt payoff app available.
7. Watch Your Spending
Be mindful of your spending.
This is a great practice that many people need to start doing again, regardless of how much money or how little money they have.
Every few months, you need to evaluate your spending to see if it matches up with your values.
As you can imagine there are many money hacks that can help you save, but the list above is the money hacks that will make the biggest difference the quickest. Below we have many more money hacks for you to explore.
Hacks for Saving Money
Money app hacks are small, quick, and easy ways to improve your finances.
They can range from things like automating your budget or creating a money jar that pays for itself, to more complex solutions like changing your tax withholding or moving money around to get a higher return.
Honestly, there are so many life hacks for saving money.
8. Automatic Savings
This is a practice of automatically transferring money from your checking account into your savings account on a regular basis.
It is best to set a transfer amount and stick to it.
Since it is easier to save your money before you spend it, you must save as much money as possible in order for this strategy to be effective.
9. Financial goals
A financial goal is a long-term, quantifiable expectation for how much money you want to have, or what you plan on doing with your money. Your goals can be as simple as saving for the down payment on a house or as involved as saving for retirement.
Our financial goals allow us to set specific, numerical targets that help us achieve our desired lifestyle in a more concrete way.
You must set smart financial goals.
10. What brings you joy?
At the end of the day, it is important to remember that life is all about finding what brings you joy.
The question is open-ended, but your money must line up with what brings you joy.
Spend a few minutes and stew on the question.
11. Build an emergency savings fund
Building an emergency savings fund is a great idea if you are in the habit of saving money and want to make sure that you have some money saved up when times get rough.
If you are struggling to save, there are a few ways you can increase your savings.
For example, you might be able to set up automatic transfers from your checking account into an investment account. You should also make sure that you have a way to save money outside of your checking account.
Saving cash in a jar or saving up coins are ideas for some people.
12. Invest spare change
If you go shopping and buy something, most stores will give you change. If you use a debit or credit card, you can do the same thing with help of a popular app!
Simple money hack: investing your spare change.
In order to invest your spare change in an account, you can open one for as little as $5. Acorns then automatically invest the money from your checking account and into a savings acorn account.
As the round-up feature continues to add upon each purchase, it is a good idea to invest in this app so that you can save more dollars!
13. Challenge Yourself to Save
If you are looking to save money, it is best to set up a budget that includes challenging yourself.
A great way to do this is with the no spend challenge.
A no-buy is when you decide to simply not make any purchases for a certain amount of time.
A no-spend is when someone decides to not spend any money in a certain period of time.
When you are struggling with spending too much money and want to reset your wallet, then give up spending money. Period.
14. Join a buy nothing group
The buy nothing groups are a growing movement that started in order to help people cut their ecological footprint, save money, and break free of consumerism.
This is a great way to find things you need as well as declutter your house.
15. Negotiate everything
The key to successful negotiation is preparation.
Research the company’s past sales, price changes, and discounts offered in order to get a better understanding of what you’re negotiating for.
Don’t be afraid to negotiate.
What is the worst thing that can happen when someone says no!?!
16. Refinance Your Mortgage
It is never too late to refinance your mortgage.
In fact, it might be a good idea if you’re in the market for a new home or refinancing your loan on an existing property.
You must weigh the costs of refinancing to how much you will save over the time period of the loan.
Ask around for mortgage broker recommendations and get at least two quotes.
17. Downsize your Home
Downsize your home is the term for reducing a residence in size. This can be done by either moving to an apartment or buying a smaller house. There are many benefits of downsizing, including living a more affordable lifestyle and having less upkeep.
Downsizers use their homes as investments and save money on rent or mortgage payments.
18. Cut the cord
With the internet becoming accessible to everyone, people have started cutting their cable and watching shows online. People can save up to $500 a year by cutting cable from their bills.
Cut the cable & stop watching TV!
19. Learn about Finances
Ask for help.
If you are struggling, there is no shame in asking for assistance from your friends or family members.
The goal is to get ahead with money and not keep digging further into a hole.
Check out any of our courses to help you.
20. Save for What You Want
Decide what you want most and work towards it with the money you have now, instead of waiting for a windfall or a large inheritance.
This may mean setting aside $200 a month.
For example, as a reminder of your long-term goal of buying a beach property, you may buy something you would hang in the new place. Every time you see it, you will be reminded of what you are saving towards.
Budget Hacks
Financial hacks are not unusual.
Since it is so easy to overspend, you must know a few budgeting hacks ahead of time.
21. Need vs Want
A want is a desire for something, while a need is something that fulfills the requirement of your body like food or shelter.
When you think about buying something, ask yourself if it is a want or a need.
By uncovering needs vs wants, you are quickly able to find ways to spend less and save more.
22. Avoid Temptation
To avoid temptation, it is important to maintain a healthy amount of physical and emotional distance from the things that tempt you.
Sometimes, spending triggers are easy to avoid but other times they’re not.
However, people should always be aware of their temptations and try to stay away from them because it will lead to unnecessary debt or stress in the long run.
23. Practice the 30-day rule
Many people wonder what’s the 30 day rule with money…
The 30-day rule is the principle that states that you should practice a new habit or stop an old habit for at least thirty days before expecting success.
When it comes to your money, it means to wait thirty days before making big purchases or changes.
24. Keep a Budget Binder
A budget binder is an important tool that helps people keep track of their finances.
The binder can help people plan out their finances by providing a place to record expenses and income.
Keeping a budget binder is an effective way to track your spending and keep yourself accountable.
By keeping it, you can easily plan for future expenses in advance as well as see what money could be saved or spent on different items over time.
25. Get a spend tracker and use it regularly
Track your spending for 30 days. It can be a good idea to track your spending for at least a month to get an idea of what you’re spending and where.
A spending tracker is a tool that helps people keep track of how much they are spending on a certain item. It is important to use this tool regularly in order to be able to see patterns in your spending.
Then, review your spending. Share it with a trusted friend or family member to come up with some goals to reduce expenses in order to save money.
26. Create a budget
Create a budget, and follow it.
When you schedule your spending, make sure to leave room for savings. This is the easiest way to ensure that you can stick to your budget.
Find more budgeting resources on our site.
27. Pay Bills on Time
This should be a simple statement that we all know. However, life can throw curveballs.
Try to pay your bills on time and in full every month, and make sure all of your bills are paid each month.
This will show lenders that you are responsible and that you are taking care of your credit. Plus you don’t rack up those pesky late fees and high interest rates.
28. Avoid Missed Payments
Don’t miss any payments, and pay off your balances each month to avoid paying high interest rates or fees on late or missed payments.
Read again… do not miss paying your bills.
29. Reconcile Your Checking Account
Balance your checkbook monthly. Okay, no one really uses a checkbook anymore, but you can still do this with pen and paper.
Even better, use Quicken as a simple way to balance your checking account. Read my Quicken review.
This is a great way to check for being charged too much or find a subscription you don’t use anymore.
30. Avoid Summer Budget Busters
Avoid spending money for the summer by just being conscious of your spending and reviewing what is different than the norm.
It is too easy to get into the trap of spending money because the weather is warm.
31. Review your Credit Card Statements
If you’re like most people, you probably review your credit card statements once every six months.
What’s the best way to go about reviewing them?
It depends on how often you use your credit card, how much debt you have, and what your credit score is. You should review your statements at least once a year if you’re carrying a balance on your credit cards.
If you use your credit card, then you should review your statements at least monthly.
32. Use the Cents Plan Formula
While the 50/30/20 budgeting rule is popular, our method of budgeting your money will be more helpful.
Learn how to divide your income into various categories.
Check out the Cents Plan Formula.
33. Use Cash
Use cash instead of credit cards to spend, which will make it easier to limit yourself to how much you can spend.
The envelope system helps you save money by only spending from one designated cash stash each month and withdrawing a set amount for different types of expenses (like groceries).
34. Spending Freeze
Implement a spending freeze, which helps you get used to not buying things for an allotted time so that when the freeze is over, it’s easier to buy what you want.
You will be surprised how much random online shopping you do.
Begin your spending freeze now.
35. Use a Budgeting App
Use your bank’s budgeting tools, like Quicken, which can help you track how much money is coming in and out of your account.
This is the simplest way to manage your money wisely.
Using a money app or a personal finance website can help you to stay organized and get more creative about your budgeting.
Check out this list of the best budgeting apps available.
Hacks to Make Money
Hacks to make money are a list of ways to generate income for yourself. Many ways to make money include blogging, affiliate marketing, or day trading. These money making hacks are great, but they can take more time and energy invested.
36. Use cash back apps
Cash back reward apps like Ibotta are a way to get extra money for your purchases.
They take some time getting used to and you only have access to partner stores that offer cash-back offers. It only takes a few seconds to make some extra cash.
Check out the best cash back apps available.
37. Ask for a Raise
A raise is an increase in pay for a job, labor, or service.
If you are concerned about asking for a raise, then you are missing out on lost money.
Your boss may be receptive to it, then try negotiating more money. Not only will this be good for your career, but also the relationship between you two can improve as well.
38. Get a side hustle
A side hustle is an additional job or career, usually, one that requires only a small amount of time and effort.
For example, someone who wants to work on the weekends might start a side hustle as a bartender.
Side hustles are a form of entrepreneurship that allows you to earn money and do little tasks. They are not difficult or time-consuming, but they can still help you make extra cash on the side.
Pick one of the best gig economy jobs.
39. Rent out a part of your home
A part of your home is often a room, which can be rented out on Airbnb.
Airbnb is the largest and most successful company in the world that lets people rent their extra space or properties. They are a well-known company that provides an easy way for people to make money from their extra space.
Use Neighbor to lend out your space in your home.
40. Declutter: sell your junk for cash
Decluttering is the act of getting rid of excess or unnecessary items.
In order to declutter, you must be willing to give up something that has been a part of your life for a long time. It is important to remember that decluttering does not have to be a quick or easy process.
Then, sell your stuff on Facebook Marketplace, Nextdoor, eBay, etc.
Learn more at Flea Market Flippers.
41. Earn Money While Watching TV
Although it is not a fast way to get rich, this can be used as a side hustle.
It’s better to use the money earned from watching TV or something else that takes up your time for other things like bills and groceries.
Survey platforms are online sites that allow people to earn money while watching TV.
The survey platform will send surveys through the mail or email, and then they can choose whether they want to take the survey for a set reward amount or if they would like cash back on their purchase.
One of these options is MyPoints, which allows users to earn points by completing tasks such as taking surveys and shopping online at specific retailers.
Others include:
42. Maximize Your Income
Find ways to increase the amount of money you bring in, whether that’s through a side hustle, increasing hours at work, or asking for a raise.
In today’s society, there are plenty of ways to make more money.
Only you put a limit on what you are capable of earning.
43. Build Your Credit
Building your credit can be a long process, but it’s worth the effort. If you’re trying to establish or improve your credit score, here are some tips that might help:
Try to keep your credit utilization rate below 30% at all times.
Do not open too many new lines of credit in a short period of time.
Pay your bills on time.
This will help you avoid damaging your credit score.
Hacks for Free Money
Hacks for free money are a form of fraud wherein the perpetrator solicits payment via PayPal, credit card, or other methods in exchange for access to what they promise will be a legitimate business opportunity.
Hacking free money is a way to make more cash, fund your financial goals, or help you pay off debt. There are lots of ways that people hack their finances and use cash back apps for some extra income.
Other options include signing up for bank bonuses or credit card bonuses.
Honestly, real free money hacks are more likely to be scams. So, beware when searching online.
Money Hacks in the Kitchen
You can save the most money by looking at what you eat.
Typically, people waste over 25% of their grocery budget and throw out food. Would you willingly throw out $250 a month? Probably not.
So, learn how to stretch your money for food.
44. Start meal planning
Meal planning is a money-saving strategy that can help in the long run. It’s also important to eat healthily and reduce food waste when meal planning.
But planning ahead will help save on the grocery budget, and it’s not too late to start now.
Start meal planning by deciding what you want to eat for each day. Then, make a list.
45. Say no to prepackaged foods
Packing your lunch for work or school can be time-consuming, especially if you have a family.
Some people prefer to buy prepackaged foods because they save time, but this is not always the best option.
A better choice is to make your own food at home and pack it for lunch, which you can then eat in peace without worrying about what other people might be saying about the food you packed.
46. Eat at home
Eating at home is a way to save money. It may be uncomfortable for those who do not enjoy cooking as it requires extra effort and time.
Instead of getting food at restaurants, consider cooking your favorite meals at home.
You can save money and time by eating the same meal over and over again.
Learn about the frugal home must haves.
47. Grow your own herbs and food
The most common methods of gardening include container gardening, hydroponics, and both indoor and outdoor gardening.
Many people are growing their own herbs and food for the satisfaction of being able to eat something that was grown with their hands.
48. Take your lunch
If you are interested in saving money, consider taking your lunch. This will save you up to $1,000 a year on work lunches and make it easier to meet the recommended daily intake of fruits and vegetables as well.
“Take your lunch” is an invitation to eat at home. There are many benefits of eating out less often, such as saving money and gaining more control over food choices.
Travel Hacks to Save Money
The following are travel hacks that can help you save money on your next trip.
Some of these hacks include traveling during weekdays, using public transportation, staying at hostels and Airbnb instead of hotels, and using a travel credit card.
49. Use foreign websites for lower prices abroad
Foreign websites are websites that have been created by people from other countries, and they sell products in the language of their country. These websites often offer lower prices on products than what is offered in the United States.
If you’re traveling abroad and need to find a place to stay, there are plenty of websites that can help. A few websites have deals on places where travelers often stay while they travel internationally.
50. Stay for free or get paid to house sit abroad
A house sitter is someone who looks after someone’s property for a certain amount of time in exchange for the promise of payment.
House sitting is typically offered by homeowners to travelers and others who are looking to stay in a particular location for an extended period of time.
The main types of house sitting include:
– full-time house sitters, who are responsible for all aspects of the house and who are typically paid a monthly salary,
– part-time house sitters, who may be responsible for taking care of one or more specific tasks such as gardening or handling the mail
51. Hide your search
To avoid being taken advantage of by airlines, it is best to open a new incognito or private window between searches.
This will make sure that you are not tricked into buying tickets that may be significantly more expensive than they need to be.
Airlines use cookies in your browser to make you believe the prices are going up and up.
Money App Hacks
Money app hacks are ways that people have figured out to make their money work for them in terms of saving and spending. These apps offer different features, such as budgeting, tracking your spending, and saving money.
If you want a simple way to save money, then any of these money apps are designed to find excessive spending.
52. Billshark
This is a legitimate way to save money on monthly bills. Billshark offers you the opportunity to save up to 25% each month (when compared with regular bill payments).
All of this can be done for you by BillShark team, and there are no fees involved!
Try Billshark for free!
53. Trim
Review your spending habits to find what you can cut out, like subscriptions.
Find other ways to save by looking for ways to reduce costly bank fees or getting a discount on your cell phone plan. By using Trim, you are saving money and improving your financial health.
Sign up with Trim now.
54. Truebill
Truebill can help you to track your spending, save money and get a clear picture of your financial life.
This helps you identify services that you are no longer using but continue to pay for. It will help save money by automatically negotiating prices with your service providers and receiving a refund of the money going to waste, which is free money.
Get started with Truebill.
Which Life Money Hacks Can You Start?
This is a lot to take in, but don’t worry.
Take the time to read through each suggestion and consider how you can implement it into your life.
The more hacks you try out, the closer you’ll get to a healthy financial mindset.
These are the life hacks to save money I have found to work for me and my family in order to reset our financial mindsets and grow our net worth.
Everyone will find their niche and what will work best for them.
Personally, you need to figure out how do I make more money. That will make the biggest impact the fastest.
What have you done with your money lately?
Know someone else that needs this, too? Then, please share!!
If you live in Indiana, there’s a very good chance you either got your home loan from Ruoff Mortgage, or at least considered them if you’re a homeowner.
After all, the company managed to originate nearly $3 billion in home loans last year, with roughly $2 billion coming from the Hoosier State alone.
They’ve even got an IndyCar with Ruoff Mortgage plastered along the front and sides of the vehicle, and the naming rights to the Ruoff Music Center, the largest outdoor music venue in Indianapolis.
So it’s clear they’re laser-focused on a certain region of the country, as opposed to trying to tackle the nation as a whole.
This has proven to be a successful model as they are now one of the top mortgage lenders in the nation, and #1 in Indiana.
You may also want to check out First Internet Bank of Indiana if you live in the Hoosier State.
Ruoff Mortgage Fast Facts
Independent direct-to-consumer mortgage lender
Founded in 1984, headquartered in Fort Wayne, Indiana
Employ nearly 1,000 workers across 70+ branches
Ranked the #1 mortgage lender in Indiana
Now the “Official Mortgage Partner of NASCAR”
If you’re wondering where they got their name from, they were originally known as the Dave Ruoff Mortgage Co., after founder David Ruoff.
They later changed the company name to Ruoff Mortgage, and today employ around 1,000 employees across some 70 branches.
As noted, they are highly-concentrated in the Midwest, with another $500 million in volume coming from nearby Ohio and Michigan, leaving a small amount of business scattered across remaining states.
They are also big on home purchase lending, with such loans accounting for nearly 75% of overall volume.
The remainder came from refinance loans, including rate and term and cash out loans.
Ruoff Mortgage also operates two sister companies, Centurion Land Title (title insurance) and Accucomp Appraisal Services (home appraisals).
At the moment, they are licensed in 46 states and D.C., with Alaska, Hawaii, Nevada, and New York the exceptions.
The company is big on partnerships, and has 50+ at last glance, including NASCAR, the Indianapolis Colts, Andretti Autosport, the Cincinnati Reds, and the Columbus Blue Jackets.
Their latest venture is signing on to become MLS club Charlotte FC’s Official Mortgage Company.
How to Apply for a Home Loan with Ruoff Mortgage
They offer a digital mortgage experience known as Loan Butler
Allows you to apply for a home loan via smartphone, tablet, or computer
You can order a credit report, digitally verify income/employment, and upload documents
Those purchasing a home can also generate a pre-approval letter on the fly in 10 minutes
Ruoff Mortgage offers a digital mortgage solution known as “Loan Butler,” which lets you complete most of the loan process from your smartphone, tablet, or desktop computer.
You’re able to initiate a credit check on your own to view your credit report and credit scores, digitally verify assets, income and employment, upload documents securely, and eSign disclosures.
Once your loan is submitted, you’ll be able to log in to the loan portal to check loan status, see so-called milestone updates, and/or get in touch with your loan officer.
In terms of selecting a loan officer, they have a directory on their website that allows you to search by name or location.
So you can find someone nearby, or check out individual reviews first, then make contact with the loan officer of your choice.
Those who just want to get started can simply fill out a short contact form on their website, at which point someone will reach out to help you begin the application process.
You can also call or email them at any point if you have questions or need more hands-on assistance.
They also say they’re fast, with the average loan going from submission to clear-to-close in just 17 days.
Lastly, they claim you’ll only spend about 10 minutes at the closing table when it comes time to fund your loan thanks to Ruoff’s Digital Closing Experience.
All in all, they appear to offer the latest technology along with experienced loan officers who can provide pricing and guide you through the loan process.
Loan Programs Offered by Ruoff Mortgage
Home purchase loans
New construction loans
Renovation loans
Refinance loans (rate and term, cash out, streamline)
Conventional loans backed by Fannie Mae and Freddie Mac
Government-backed loans: FHA/USDA/VA
Jumbo home loans that exceed conforming limit
Fixed-rate and adjustable-rate mortgages with various loan terms
Ruoff Mortgage offers all the major home loan types you could ask for, including home purchase loans, home construction loans, home renovation loans, and refinance loans.
They’re available on all property and occupancy types, including single-family homes, condos/townhomes, multi-unit properties, and primary, vacation, or investment properties.
So whether you’re buying a fixer-upper or refinancing an existing home loan, they should have you covered.
When it comes to renovation loans, they offer Fannie Mae HomeStyle, FHA 203(k), or a VA loan option.
If refinancing, you can do a simple rate and term refinance, or pull equity via a cash out refinance. It’s also possible to apply for a streamline refinance, such as an IRRRL.
They offer conventional loans backed by Fannie/Freddie, government-backed loans such as FHA loans, USDA loans, and VA loans, and jumbo home loans for loan amounts above the conforming limit.
In terms of loan type, you can get a fixed-rate mortgage with a 15- or 30-year term, or an adjustable-rate mortgage such as a 5/1 ARM or 7/1 ARM.
Ruoff Mortgage Rates
One slight negative to Ruoff Mortgage is the fact that they do not publicize their mortgage rates, so we’re in the dark when it comes to loan pricing.
The same goes for lender fees, which don’t appear on their website. It’s unclear what they charge, such as an application fee or loan origination fee.
As such, it’s recommended that you speak to a loan officer before applying to get loan pricing, then if you like what you hear, you can move forward.
But don’t forget to compare their interest rates and fees to those of competitors as well to ensure they are favorable.
Remember, you could be paying down this loan for the next 30 years, so put in the time to shop around!
Ruoff Mortgage Reviews
On Zillow, they have a very impressive 4.98-star rating from nearly 700 customer reviews, which is basically perfection.
After scanning their reviews, many indicated both the interest rate and closing costs were lower than expected, which is a good sign pricing-wise.
On LendingTree, they have a perfect 5-star rating, though it’s based on just seven reviews, so not a great sample size. They also boast a 100% recommend rating.
The company also notes that they’ve got a 98.2% customer satisfaction score according to Customerville.
Their only questionable reviews come via Google, where they have a 3.9-star rating from 20 reviews, thanks to a mix of 5-star and 1-star reviews.
Ruoff Mortgage is a Better Business Bureau accredited, and has been since 1986. They currently enjoy an ‘A+’ rating.
In summary, they appear to be well-liked, offer lots of different loan options, and seem to offer a fast digital mortgage experience. If pricing is also on point, they could be a suitable choice for your home loan needs.
Ruoff Mortgage Pros and Cons
The Good
Offer a digital mortgage experience
Apply from any device or use their free smartphone app
Can close fast: average 17 days clear-to-close
Mostly excellent customer reviews
A+ BBB rating, accredited company
Lots of loan programs to choose from
Mortgage calculators and mortgage glossary on site