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This was an actual weekend harvest from our garden last August.

At Get Rich Slowly, we get many requests for information about starting a vegetable garden. This is huge topic, and really enough fodder for an entire website. If you’re a novice gardener you will benefit by asking yourself six questions before mail-ordering seeds or heading to your local nursery. Now is the time to do your research so that you’ll be ready for planting season.

Do you actually like to eat vegetables?

If not, focus on fruits and herbs, edible and ornamental flowers, and a favorite veggie or two. A well-tended garden will produce a lot of vegetables. If you are lukewarm about zucchini then pass up that beautiful seedling. (Or go introduce yourself to your five nearest neighbors so that you can share come July).

What is your gardening space like?

This is probably the most important question for the novice gardener. If you are starting from bare dirt or, more likely, a patch of lawn, you have some work to do. The plot needs to be evaluated for sun and wind exposure, moisture/drainage, soil pH and elemental content, pests, and other factors.

When we moved to the new house, J.D. used math to determine our garden location.

Crop gardens need a sunny spot. But remember that the angle of the sun in the summer months will be different than it is now. Nonetheless, try to watch over the next few weeks to determine where the sun hits your property. If I have to choose between morning sun and evening, I prefer morning sun — it is less intense, which means watering needs are decreased. Here in Portland, however, it’s hard to give a garden too much sun.

Get online and tap the resources at your local university’s extension offices. You can usually find them just by searching for your state’s name and “extension service”. Many states offer free soil testing, which will tell you how to amend the soil if nutrients or organic matter are lacking, or if the pH of the soil needs to be adjusted. Your county’s Master Gardener program may also offer this service. Each crop has an optimum pH growing range. We add acid for our blueberries and strawberries; kale and peas like a slightly alkaline soil. If your soil is close to neutral (pH 7), you can probably proceed as-is.

These tomatoes were started from seed in February.
In May they’re ready to be transplanted!

Even if your soil is terrible, you still have options. On a small scale, container gardening can be rewarding. A cherry tomato, well-watered, can do well in a large pot on a patio. Better yet, build some raised beds. These will require an initial investment for the soil to fill them and construction materials, but they provide better drainage, warmer soil temperatures in the spring (and thus earlier crops), and reduced weeding. (Please avoid pressure-treated lumber, though, there is some evidence that the toxic chemicals leach into the soil. Okay for a picnic table, but not for the dirt where your eggplant is growing!)

If this all seems rather intimidating, I encourage you to start small. Don’t roto-till the entire lawn under until you really decide that crop gardening is for you. If your gardening space is less than ideal but you’d like to take the plunge, perhaps one 6’x12′ foot raised bed is the perfect beginning. Or try growing herbs.

During our second summer, we tore up sod to expand the garden space.

Herbs are one of the most forgiving classes of plants to grow — almost as easy as weeds — especially the hardy perennial herbs. Except for excessively moist soil and total shade, almost any conditions will support herbs. They thrive in sunny, dry areas. Herbs are also some of the most frugal crops you can grow because they are outrageously priced at the grocery store and can be used to make even basic ingredients into a stand-out meal. It’s worth the cost to start with herb plants rather than seeds so that you can use them right away.

Perennial herbs like sage, rosemary, thyme, lemon verbena, mints, chives and oregano require very little work. Again, do your homework for your climate. And a word to the wise: some herbs are invasive. Mints have spreading roots that will take over your entire city block. They are best in a container with a solid bottom rather than planted directly in the ground. Others, like oregano and fennel, spread easily by dropping their seeds. If you want to avoid little fennel and oregano families, be sure to trim off the flowers before they go to seed.


Last year we added an herb garden.

Short term, long term, or both?

Plants generally fall into two categories: annuals or perennials.

Annual crops start from a seed, mature and bear fruit (or vegetable) in one season, then die. In our region, corn is an annual, as are cucumbers, watermelons, and tomatoes. Plants that can survive the winter to regrow for another crop season are typically perennials, Examples include asparagus, blueberries, artichoke, and rhubarb. This also applies to flowers, of course: sunflower (annual) versus rose (perennial). I tend to think of fruits in the perennial group: fruit trees and berries are perennials. Most vegetables (again, this is for my climate) are annuals. Obviously there are exceptions to this generalization, like the melon family.

To decide where to focus your gardening energies, you should know your climate zone. This will help you determine the length of your growing season and which annual crops are going to have time to ripen.

Perennials usually cost more than annuals initially (buying an apple tree sapling, for example), and will require patience. We planted asparagus two springs ago and are hoping for our first taste this April. But these plants are longer living, and give you bigger returns for relatively little work. Asparagus plants can live for twenty years before needing replacements; an apple tree may not bear a crop for the first five years, but may live to be one-hundred.

If you’re just getting your gardening feet muddy for the first time, I recommend annuals. Tomatoes are extremely rewarding, as are other salad fixings such as lettuce, spinach, cucumbers, radishes and carrots. Other easy crops to start with are beans, onions (or leeks/shallots), potatoes, and pumpkin (although this needs room to spread). Besides the instant gratification they provide, mistakes with annuals are easily corrected the next season without much expense. Did the birds eat all your peas? Try something next year to protect them. Has your corn crop failed? Next spring, try it in a sunnier place.


Our strawberry plants have spread like crazy in the past three years.

If you have enough space and the inclination, try a bit of both annuals and perennials. A strawberry patch won’t produce much the first year, but the plants will reproduce and spread to give you a bounteous crop. Dwarf fruit trees are a nice option if you are looking for an ornamental small tree; most have beautiful blossoms, too. And don’t forget those herbs!

We planted two apples, a pear, and prune. We also have a filbert and walnut.
(We never get many filberts — our yard is home to a Kingdom of Squirrels.)

Who are your gardening neighbors?

Tap those resources. Most gardeners love to talk about their plants. You can learn a lot about what works for your area by listening to their stories of success and failure. If you do a bit of pre-planning, you could also take part in a seed co-op. A typical tomato seed packet may hold 30 seeds — more than enough to split among four gardeners. Many vegetable starts are sold as single pots, but some come in six-packs that can be easily shared. With knowledge and experience, you can even harvest seeds from local gardens (with permission, of course) to plant the following spring. And if you’re lucky, when it’s time for the woman across the street to divide her lavender bush, she’ll share half with you!

Can you control yourself?

Most seed packets run only $2-$3, so they are tempting. But spending money and wasting your time on plants that won’t do well in your garden is an exercise in summer-long frustration. Evaluate your space and the soil and sun conditions. Learn to avoid catalog phrases such as “spreads quickly” or “freely self-sows” unless that’s what you really want. Don’t trust the catalog! The pictures are tempting, but they often show the plant only at its peak — what will it look like the rest of the time? Is it invasive? Poisonous? Hard-to-grow? Will it require constant maintenance? Use the internet and your library’s garden references to research seeds and plants before you buy them. I have found the internet to be a wonderful alternative to a knowledgeable nursery employee.

Do you have the time and money to grow your own food?

Gardening, initially, isn’t cheap. Besides plants and seeds, you’ll need garden tools, fertilizers, soil amendments, watering devices and a million other small things. But for those who savor its rewards, gardening is a labor of love. With time, and smart choices, having a kitchen garden does pay off financially. Herbs will pay for themselves quickly, and over the years, so will the berry bushes and canes, fruit trees and fresh vegetables. J.D. and I literally ate several hundred dollars of free homegrown berries this past spring and summer — all from a bit of our own labor, a few supplies and the investment of the canes and bushes. And that crop will only be bigger next year.

We’ve also dug up the lawn to plant grapes and caneberries.

Most gardens, even sizable ones, can be maintained with thirty minutes of work per day. Hoe weeds while they’re small, mulch properly, water wisely and be timely about harvesting. But if you let the garden tasks slip for a week or two, you may face a daunting task of huge weeds, spoiled crops or everything dead from lack of water. Gardening requires a time commitment if you want to reap the benefits.

Other Thoughts

If you are a beginning gardener, start small. Build on your successes. Be wise: it’s easy to dive in headfirst and then be overwhelmed. Research the plants you want to grow and the conditions they require, build a manageable raised bed if you’re starting from scratch, and use local resources to gain knowledge and cut costs.

Gardening requires a bit of seed money to begin, but the rewards are many! Healthier, fresher food, time in the great outdoors and a connection to nature, as well as engaging in an activity that can build community. And I haven’t even mentioned how much more excited kids are to eat their vegetables when they helped grow them or how people appreciate a homemade gift from the garden — whether a beautiful bouquet, and bunch of fragrant herbs, a fresh salad or a jewel-toned jar of jam.


In January fresh tomatoes are but a gardener’s dream.

Final Note

I recommend keeping your vegetable/fruit garden as organic as possible. One of the greatest benefits of growing your own is avoiding the pesticides (et al) on grocery-store goods. Insect diversity in your yard may be enough to keep pests in check; if you have an outbreak, simply try spraying with lightly soapy water, or other low-impact methods. If your soil is healthy and the plants are well-nourished, the plants will be strong and the bugs will be kept at bay.

This may not be practical in all climates, but here in Oregon, a few minutes each night hoeing will keep down the weeds, and the plants can take some munching by a bug or two once they’re established. With fertilizers, most choices are fine. I like an organic foliar spray — one that goes directly onto the leaves of my plants — but the crystalline concentrates that you mix with water can be fine as well, as long as your soil is already full of good organic matter and friendly worms.

Here are some additional resources:

Happy gardening!

Source: getrichslowly.org

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TPO Programs, Broker Locking, New Media Company, CRM Products; Investor News; Capital Markets

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By:
Rob Chrisman

13 Min, 13 Secs ago

Planet Home’s Michael B. reminds me, “I miss every shot I don’t take.” The topics here in Orlando at the FAMP convention include not only prospecting, prospecting, and… prospecting, but also not missing a shot by offering clients more than a couple products. Freddie, Fannie, FHA, and VA are fine, but every client and referral source is precious, and what happens if someone walks through the door and needs a loan for a renovation (remodel), or a condotel, or a non-warrantable condo, or qualifies for a bond program, or… the list goes on. In the category of leads, have you looked into any local real estate investment clubs as a source of business? What about going after leads from divorce attorneys or local hard money lenders? Persistence! Another big topic at the FAMP conference is saving money, and STRATMOR’s current blog is titled, “Improving Revenue Might Be Right Under Your Nose.” (Today’s podcast can be found here and is sponsored by Candor. Candor’s patented automated underwriting decision engine, CogniTech, is a state-of-the-art, 100 percent machine platform that can handle infinite loan scenarios. Listen to an interview with Ally Home’s Glenn Brunker on the homebuyer affordability issue and potential ways to alleviate it.)

Lender and Broker Software, Products, and Services

School is back in session for the majority of America’s youth. But just because you are an adult doesn’t mean you should pass up on opportunities to polish your professional skillset. Surefire℠, Black Knight’s CRM and Mortgage Marketing Engine, has created Mortgage Marketing University (MMU) with free 101, 201 and 301-level courses designed to help brokers, LOs, LOAs and your marketing team get up to speed on best mortgage marketing practices and stay on top of their game. The MMU companion eBook is an ideal resource for your team to keep at its fingertips. Download the MMU eBook today.

Debuting Rebel Chics Media! “We understand the needs of the real estate industry and are here to help you engage, “edutain” and inspire homebuyers with branded social content. Our agency-quality subscription content, along with writing prompts, allows you to address the questions and concerns of potential homeowners. This content is ideal for LOs, banks, credit unions, and Realtors looking to build a strong social brand. Benefit from 50+ years of combined industry experience of our founders, Jillian Sorensen & Dana Trajcevski. Move beyond generic posts like Spring Cleaning tips and Pumpkin Pie recipes, and instead, unlock the power of storytelling. Now is the perfect time to build your brand, and Rebel Chics Media is here to support you. We understand that you’re busy and don’t have the time, energy, or tools to create content yourself. Leave that to us and focus on growing your brand and connecting with your audience.”

Brokers can now shop, lock, and deliver on one platform that seamlessly connects brokers, lenders, and originators. In this market, hustle is everything. You can’t afford to waste a single deal… or a single minute. That’s why ReadyPrice has launched its innovative new Shop, Lock & Deliver loan exchange platform, designed to help independent mortgage brokers like you save time and money. Now you can shop competitive loan offerings from multiple lenders, get rate lock guarantees in real time, receive underwriting findings, and deliver the borrower’s complete loan file to lenders, and all on a single platform, at no cost to brokers. It’s the industry’s most powerful universal delivery portal, and it’s already helping thousands of brokers around the country thrive and compete in even the toughest market environments. Multiple lenders. One platform. Zero b.s. Come check ReadyPrice out today.

TPO Programs for Brokers and Correspondents

Profitable mortgage companies are focused on the long-term value of the customer relationship. Essex Mortgage’s partners enjoy greater customer retention, GNMA pass-thru pricing, no overlays, no LLPAs, NO EPOs, and NO EPDs. They also receive Tax Deferred asset growth and a long-term cash flow stream without having to be a GNMA issuer themselves. Please contact us to discuss how the Essex GNMA Excess MSR program can help retain and enhance your customer relationship, broaden guidelines, and expand into new markets. Please contact Kimberly Schenck.

Push strongly through the summer buying season with Luxury Mortgage Corp. (“LMC”). LMC is offering a 100-bps price special for newly locked Full and Alt Doc (Bank Statement, 1099 Only, Asset Qualifier) purchase loans until August 31st. LMC’s elite team isn’t stopping there; they are also offering a 50-bps pricing improvement on DSCR purchase loans! Click here for full details of the specials. Are you, not an approved broker? It’s time to align with true partners who will be here for you and execute at the highest levels. Take your business to sustainable new heights with the elite team. Click here to become an approved wholesale broker.

Investor and Agency News

Ginnie Mae launched a New Environmental, Social, and Governance (ESG) Composite and Webpage, view the Press Release.

USDA Rural Development issued Updated HB-1-3555, Chapter 3, Lender Approval bulletin on 07/24/2023.

On 7/26/2023, with Amendment No. 6 to DR-4720, FEMA declared federal disaster aid with individual assistance made available to Vermont’s Orleans County affected by severe storms, flooding, landslides, & mudslides from 7/7/2023 and continuing. See AmeriHome Mortgage Disaster Announcement 20230706-CL for inspection requirements.

AmeriHome Correspondent 20230702-CL Disaster Announcement. On 7/14/2023, with DR-4720, FEMA declared federal disaster aid with individual assistance has been made available to 6 Vermont Counties; Chittenden, Lamoille, Rutland, Washington, Windham and Windsor affected by severe flooding from 7/7/2023, and continuing. See the attached announcement for inspection requirements.

PHH Mortgage had a Disaster Alert for Vermont and California. “The following disaster declaration is being issued or modified today pertaining to: Vermont DR-4720: New Disaster declared 07/14/23, and California DR-4699: Update to End Date of Occurrence.

Citi Correspondent Lending Bulletin 2023-06 includes credit policy updates on mortgage assumptions, public assistance & Section 8 income, and unplanned buydowns. Mandated screening – submitting non-obligated party detail notification, and clarifications on restricted stock & non-vested stock, and Chinese assets.

Collectively, average older homeowners sit on over $9 trillion in equity and have an average retirement savings is less than $60,000. But through a reverse mortgage, senior homeowners can maximize their financial stability by unlocking the accumulated equity without selling their property, allowing them to access the increased value of their homes and provide a financial cushion in a rising housing market. The time is now to build your reverse mortgage business with Plaza Home Mortgage®. We have the programs, including FHA HECM. Plus, we offer training and dedicated reverse mortgage staff to get you rolling into this right. Email [email protected] to get in touch or submit your details for a full reverse pre-qual.

In Pennymac announcement-23-49, the go-live date of Extended Lock Commitments was revised to “TBD,” and the updated schedule will be communicated through a future announcement.

American Heritage Lending Wholesale offers DSCR No Doc Loans including Non-Warrantable Condos.

On June 27, 2023, FHA published ML-2023-13 announcing that it is adopting the Fannie Mae/Freddie Mac Form 1103, Supplemental Consumer Information Form (SCIF) for mortgage applications dated on or after August 28, 2023. See AmeriHome Mortgage Product Announcement 20230705-CL.

Fairway Wholesale Lending Client Announcement 2022-07-27 issued a reminder about its new Admin Fee schedule that went into effect for all applications dated on or after 7/26. They will work through a transition period with the Admin Fee as this change becomes effective with applications taken & loans disclosed on & after Wednesday, 7/26. Fairway will begin using the new fee schedule for all loans we issue initial disclosures effective Wednesday, 7/26.

Capital Markets

Call it whatever you want, or believe whatever you want, in the rating agency Fitch’s downgrade of U.S. Treasury debt, one of things highlighted was the Jan. 6 insurrection. Once again, a reminder that politics, interest rates, and mortgage banking are intertwined. But overall, despite the increased hikes by the Federal Reserve, for the most part the U.S. economy continues to chug along.

Today we saw the “first Friday of the month” jobs situation figures. But it seems that the unemployment rate is not a leading economic indicator. Looking back at changes in U.S. unemployment rate data since 1953, a period including 10 recessions, on average the unemployment rate has not noticeably changed during the 12 months leading up to a recession. Dr. Elliot Eisenberg, Ph.D. points out that, “But once the recession begins, the unemployment rate slowly rises and peaks 12 months later at a level three percentage points higher than when the recession began.”

Yesterday began with the Bank of England raising UK rates to a 15-year high, though investors domestically continued to react to the U.S. credit downgrade by Fitch Ratings, which led to another “bear steepener” in the bond markets. “Risk-off” themes were present, and Wednesday’s route in U.S. Treasuries spilled over into yesterday’s session. The 10-year yield rose to a 9-month high as market participants took a closer look at rising debt-service levels.

The downgrade of U.S. government debt to AA+ from AAA by Fitch on Tuesday won’t affect the U.S. economy much and puts the Fitch rating at the same level as S&P, which made the downgrade in 2011. A couple other reasons not to worry include debt ratings mattering much more for emerging economies, most bond traders will keep buying U.S. debt at the same level, and the Fed can essentially set the interest rates on U.S. debt, anyway.

On the data front, weekly jobless claims increased by 6k to 227k while the ISM Non-Manufacturing Index and the Manufacturing PMI report showed a deceleration in growth consistent with reports from other major economies. Services sector activity continued to expand in July, but at a slower pace than the prior month. Even so, the report said that the majority of respondents remain cautiously optimistic about business conditions and the economy. Finally, productivity increased 3.7 percent in the second quarter, well above 1.7 percent expectations, with output up 2.4 percent and hours worked down 1.3 percent. Unit labor costs, meanwhile, were up 1.6 percent, lower than expected and which reflected a 5.5 percent increase in hourly compensation and a 3.7 percent increase in productivity. The pickup in productivity and the deceleration in unit labor costs is a good combination for the soft-landing view. After one of the better-than-expected releases this week was the ADP report which reported 324k in private jobs creation versus 189k expected, risks for an upside surprise in nonfarm payrolls were raised.

As for that BLS report, nonfarm payrolls increased 187k versus 200k expectations and back months were revised down 49k jobs. The unemployment rate dropped to 3.5 percent, and average earnings are still solid versus 0.3 percent month-over-month and 4.2 percent year-over-year expectations. After any knee jerk reaction, the Treasury market will begin setting up for next week’s $103 billion Quarterly Refunding beginning Tuesday with $42 billion 3-year notes followed on Wednesday and Thursday by $38 billion 10-year notes and $23 billion 30-year bonds. Both 3-years and 30-years were increased by $2 billion and 10-years by $3 billion versus the prior Quarterly Refunding. We begin the day with Agency MBS prices unchanged from Thursday, the 10-year yielding 4.19 after closing yesterday at 4.19 percent, and the 2-year up to 4.89.

Jobs and Transitions

William “Bill” Sohan, an industry veteran and former Senior Vice President with Academy Mortgage, has joined employee-owned USA Mortgage as a regional Vice President. Sohan will oversee USA’s Maryland operations and work to expand its national footprint. “I found USA’s loan-officer-first mentality, freedom for their regional leaders, and transparent work environment very attractive,” he said. “I am in business for myself, but not by myself. It’s a huge advantage that USA is run by former high-producing loan officers who understand the needs of their salespeople. I’m excited to give my sales team access to some great new resources, while still maintaining their access to Fannie and Freddie direct and dozens of loan programs.” Founded in St. Louis in 2001, USA has offices in 34 states and is licensed in 49 states plus the District of Columbia. For a confidential conversation about joining USA, contact Brooke Anderson at 609-500-1520.

Presidential Bank Mortgage is expanding into the Southeast! John Pruitt, former Director of Fidelity Bank Mortgage in Atlanta, has joined the senior management team of the Bethesda, Maryland-based Community Bank as SVP of Production and Strategic Initiatives. “I’m so excited to join Presidential at this opportune time in the industry to help grow a best-in-class mortgage lending platform,” Pruitt said. “The combination of a solid Community Bank and entrepreneurial mortgage lending model is truly unique in our industry.” Expansion plans are underway to open full-service lending markets in Georgia and the Carolinas. Leadership, Sales, and Operations positions are available throughout the region. Please send your confidential inquiry to John Pruitt.

Academy Mortgage is proud to be among the small number of lenders who have been selected to offer the Freddie Mac BorrowSmart Access℠ program. This equitable housing program allows qualified first-time homebuyers looking to purchase a home within one of 10 eligible metropolitan markets to obtain a credit for their down payment and/or closing costs through combined contributions from Freddie Mac and Academy Mortgage. Through this assistance, borrowers can fund 100 percent of the cash required to close; prepare for long-term sustainability through homeownership; and receive pre-purchase homebuyer counseling through the Freddie Mac BorrowSmart Access program. Academy is proud to support this initiative to bring equitable housing opportunities to traditionally underserved communities. Academy is committed to fulfilling its Vision to Inspire Hope, Deliver Dreams, and Build Prosperity in all communities by helping its clients build generational prosperity through homeownership. Join a team with the loan products and the Vision to advance housing for underserved communities: contact Scott Starr to explore the possibilities that await at Academy.

 Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

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Travelers are flocking away from overcrowded airport terminals and into airport lounges. And so, these lounges have a problem. The exclusive spaces that purportedly offer a refuge from packed airports have become just as chaotic as the general terminals.

Overrated or not, airport lounges still tend to stand superior to most airport terminals. In a lounge, travelers can at least munch on a cheese cube without boarding announcements blaring from the loudspeaker.

As a result, people go to great lengths to enter them. They pay hundreds of dollars in annual fees for credit cards that offer lounge access. They linger outside lounges until their names are off the waitlist.

But now, lounge operators have had to step in to reduce overcrowding. Many lounges often have standing room only, while other lounges enforce entry waitlists to prevent the problem entirely. In 2023, Delta Sky Club increased membership and guest fees and put a limit on how many hours people can spend in the lounge. Meanwhile, American Express made its Centurion Lounge guest policy more stringent to cut back on how many people can gain access.

The problem isn’t so much an obsession with airport lounges. Instead, it’s that most U.S. airport terminals are abysmal for a variety of reasons.

Reduced resources and dated design impact terminals

U.S. airports have a backlog of both approved and necessary infrastructure improvements that’s projected to cost $151 billion, according to Airports Council International-North America (ACI-NA), an airport trade association that represents about 300 airports in the U.S. and Canada. That’s a 31% increase from the $115 billion backlog cited in 2021. ACI-NA has pointed to inflation as one reason that figure ballooned.

A key revenue source for airport upkeep and maintenance is a passenger facility charge, which Congress capped at $4.50 per ticket. When the charge was introduced in 1992, it was just $3, but the charge hasn’t been increased since 2001.

For context, $4.50 in 2001 would be more than $7.50 today, according to the consumer price index, giving some reason to believe that the cap should be increased to align with today’s equivalent purchasing power.

When the COVID-19 pandemic cut travel, airports lost income from reduced passenger facility charges, as well as other revenue streams like parking and rental car fees, retail sales and concessions. Even with funding, implementing airport improvements can be slow.

“Overregulation of airport land use decisions have delayed project approvals,” according to the ACI-NA’s 2023 U.S. Airport Infrastructure Needs Report.

Airport design significantly changed after 9/11. The establishment of the Transportation Security Administration (TSA) in November 2001 led to a greater physical footprint for security checkpoints. Unpredictable queues have also increased the number of people in airports, as passengers who might previously have shown up 30 minutes before boarding now arrive much earlier, with hours to spare.

How to make U.S. airports better

If funding weren’t an issue, what improvements could make airport terminals more appealing than lounges?

Activities to pass the time

Singapore’s Jewel Changi Airport won a Tripadvisor Travelers’ Choice award as one of the country’s top attractions. The airport has a seven-story indoor waterfall, a rock wall and a hedge maze.

Airports don’t need to resemble a runway-lined Disneyland, but the best ones have amenities that are especially relevant during long flight delays, like yoga rooms, live music and museums.

Higher ceilings and bigger windows

Not every airport has the benefit of sitting within Grand Teton National Park, but Wyoming’s Jackson Hole Airport — considered one of America’s most charming airports — takes full advantage with soaring windows that frame the mountain range.

Even without picturesque views, other airports could curtail traveler anxiety and claustrophobia with higher ceilings and outdoor seating. Delta Sky Clubs’ Sky Decks are a good example of how airports could build a compelling outdoor space.

Quiet airport programs

In 2018, San Francisco International Airport (SFO) launched a Quiet Airport program. It cut back on sounds emitted from retailers and gate agents, including a reduction in audio paging and boarding announcements for passengers.

Within two years of implementation, SFO officials said that more than 90 minutes of unnecessary announcements had been eliminated daily in its international terminal alone, which they claim makes air travel less stressful for passengers.

Better food

Starbucks and Sbarro might be concession staples, but the best airports are foodie destinations. The 2023 Global Tastemakers Awards from Food & Wine magazine named SFO the winner of Best Airport for Food in America. SFO hosts outposts of beloved local joints, including Ritual Coffee and vegetarian fast food favorite, Amy’s Drive Thru (its owners also run the organic frozen food brand Amy’s Kitchen).

Even if the meals aren’t free (as they typically are in airport lounges), an order of Amy’s mac and cheese — whether the real stuff or vegan — is probably better than a cube of lounge cheese.

Sadly, these examples are the exception, not the norm. For now, options aren’t exactly promising for air travelers — either at crowded and chaotic airport terminals or crowded and chaotic airport lounges.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:

Source: nerdwallet.com

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Are you struggling with debt and feeling overwhelmed? You might also be tired of hearing the same old tips that don’t help at all, like “Don’t buy coffee out” or “Just stop spending money.” Don’t worry — you’re not alone.

Many hardworking individuals like you face similar challenges. The good news is that there are effective strategies for paying off debt faster, even on a tight budget.

This guide will walk you through 10 practical and actionable steps that can significantly impact your journey to financial autonomy. Are you ready to better control your finances? Here is how to pay off debt fast with low income.

In This Piece:

  1. Take Inventory of Your Debts
  2. Create a Realistic Budget
  3. Avoid Any New Debts
  4. Try the Debt Avalanche Method
  5. Consider the Debt Snowball Method
  6. Increase Your Income
  7. Negotiate a Better Rate
  8. Increase Your Credit Score
  9. Consider Debt Relief or Consolidation
  10. Stay Consistent

Step 1: Take Inventory of Your Debts

Before tackling your debts, taking inventory of them is a crucial first step to clearly understanding what you owe, allowing you to understand the full extent of your financial obligations, and developing a comprehensive and more effective action plan.

Start by gathering all your financial statements and creating a comprehensive list of your debts. This includes credit card balances, student loans, medical bills, and other outstanding obligations.

You gain a complete picture of your economic landscape by documenting each debt, including the creditor, outstanding balance, interest rate, and minimum monthly payment. This knowledge empowers you to make informed decisions and prioritize debt repayment strategies.

Step 2: Create a Realistic Budget

A budget can help track your income and expenses, clearly showing where your money goes, but if you want a successful budget, it needs to be realistic.

Creating a realistic budget is essential to pay off debt fast with a low income. You can start by identifying areas to cut back on unnecessary expenses, like reducing discretionary spending, such as eating out. Look for creative ways to save money, such as using coupons, shopping sales, or negotiating lower bills. Though this is good advice, it might not be enough or as simple as it sounds.

Here are more steps and tips to help you create a budget that could work for you:

  1. Track income and expenses: Start by calculating your total monthly income, including your salary, freelance earnings, or any other sources of income. Next, track your expenses for a month to understand where your money is going. Categorize your expenses into fixed costs (rent, utilities, etc.) and variable costs (groceries, entertainment, etc.). 
  2. Set attainable goals: Determine how much you can allocate toward monthly debt payments while covering your essential expenses. It’s crucial to set realistic goals that consider your income. Remember, even small monthly contributions can make a significant difference over time.
  3. Prioritize debt repayment: Allocate a specific portion of your budget to debt repayment. Consider prioritizing your debts using the debt avalanche or snowball methods mentioned earlier. By focusing on one debt at a time while making minimum payments on the others, you can make steady progress and gain a sense of accomplishment.
  4. Monitor and adjust: Regularly review your budget and track your progress. Adjust as needed to stay on track and meet your financial goals. Be flexible and willing to adapt your budget as your circumstances change.

Creating a realistic budget requires discipline and commitment, and it’s crucial to paying off debt. By understanding your income, tracking your expenses, and making intentional choices, you can take control of your financial situation.

Step 3: Avoid Any New Debts

It might sound obvious but avoiding new debts can help greatly. Avoid the temptation to rely on credit cards or take out additional loans. Instead, focus on living within your means and prioritizing your financial goals. Of course, implementing this step is easier said than done.

Here are some recommendations to help you avoid accumulating additional debt:

  • Change your mindset: Understand that taking on new debts will only prolong your journey to becoming debt-free. Embrace living within your means and making conscious choices to avoid unnecessary borrowing will help you pay off your debt faster.
  • Cultivate healthy financial habits: Practice mindful spending, distinguishing between needs and wants, and make conscious choices aligned with your financial goals.
  • Building an emergency fund: This is a crucial step to prevent relying on credit or loans during unexpected expenses or financial setbacks. Start by setting aside a small amount from your monthly income until you have a comfortable cushion to cover unforeseen emergencies.
  • Practice delayed gratification: Avoid impulsive purchases and practice delayed gratification. Before making a nonessential purchase, give yourself a 24-48 hour cooling-off period. This allows you to assess whether the item is a genuine necessity or a momentary desire.
  • Seek alternative solutions: When faced with financial needs, explore alternatives before committing to new debts, like borrowing from friends or family, negotiating payment plans with service providers, or seeking assistance from local community resources or nonprofit organizations that offer financial aid or low-interest loans.

Remember, avoiding new debts requires discipline and commitment. By adopting a proactive approach to managing your finances and being mindful of your spending, you can stay on track toward paying off your existing debts and achieving financial freedom. Stay focused, make intentional choices, and celebrate your progress.

Step 4: Try the Debt Avalanche Method

The debt avalanche method is a powerful strategy for paying off debt efficiently. With this approach, you prioritize the debts based on interest rates. Additionally, this method provides a clear road map for debt repayment, allowing you to stay focused and motivated as you see progress with each debt you eliminate.

Start by arranging your debts in descending order based on their interest rates, with the highest interest debt at the top of the list. This order will determine the repayment priority. Doing this minimizes the interest that accrues over time, saving you money in the long run. Once you pay off the highest interest, move on to the next one and continue the process.

Remember to continue making at least the minimum payments on all your debts to maintain a good credit standing and avoid penalties. By staying committed to this method and directing your extra funds strategically, you’ll make significant strides toward paying off your debts.

Step 5: Consider the Debt Snowball Method

Another effective debt repayment strategy is the Debt Snowball method. It involves listing your debts from smallest to largest balance and focusing on paying off the smallest debt first while making minimum payments on the others. Once you pay off the smallest debt, you apply the money you were putting toward it to the next smallest debt.

Begin by creating a comprehensive list of all your debts, including credit cards, personal loans, student loans, and other outstanding balances. Arrange your debts in ascending order based on their balances, with the debt carrying the lowest balance at the top of the list. This order will determine the repayment priority.

Continue focusing on one debt at a time until you can pay off all your debts. The debt snowball method is advantageous because it focuses on building momentum and providing a sense of accomplishment by creating small wins, motivating you to continue your debt payment journey.

While this method may not prioritize debts based on interest rates, it provides a structured and motivating approach that can be particularly beneficial for individuals seeking emotional and psychological encouragement along their debt repayment journey.

Step 6: Increase Your Income

How to get out of debt when you are broke? Finding ways to increase your income can significantly impact you but can also be challenging. Consider taking up a side hustle or part-time job to generate extra money.

There are numerous opportunities available, such as freelance work, online tutoring, or selling handmade crafts. Dedicating your additional income solely to debt repayment accelerates your progress. It helps you achieve financial goals sooner, and if everything goes well, you’ll only need to do this for a short time.

Here are a few ideas on how to make extra money to pay off debt fast:

  • Explore freelance opportunities in your field of expertise
  • Take on part-time jobs or gig work
  • Monetize your hobbies or skills
  • Consider renting out a spare room or property
  • Participate in online surveys or market research studies
  • See if you qualify for blood and plasma donations, some places pay for this help

Step 7: Negotiate a Better Rate

Lowering the interest rates on your debts can help you save money and pay them off faster. Reach out to your creditors and explore the possibility of negotiating a lower interest rate. Even a slight reduction in interest rates can make a significant difference.

Here’s a detailed explanation of how to negotiate a better rate and why it can be beneficial:

  1. Review your current rates: This includes credit cards, personal loans, and other forms of debt. Take note of the interest rates, promotional offers, and the terms and conditions associated with each debt.
  2. Research and compare: Understand market rates basics and terms for similar financial products. This will provide you with a baseline for negotiation and help you determine if your rates are higher than what is commonly available. Look for competing offers, promotions, or lower interest rates from other lenders or credit card companies.
  3. Prepare your case: Highlight your payment history, creditworthiness, and loyalty as a long-term customer. Compile improved financial stability or credit score evidence since you obtained the debt. The goal is to present a compelling case for why you deserve a better rate.

If negotiating directly with your creditors doesn’t yield the desired results, consider other options like balance transfers or refinancing.

Balance transfers involve moving high-interest debt to a credit card with a lower interest rate, often with an introductory 0% interest period. Refinancing involves replacing an existing loan with a new one with better terms and a lower interest rate. Both options can help reduce the overall interest you’ll pay and accelerate your debt payoff.

Step 8: Increase Your Credit Score

Improving your credit score can have a positive impact on your financial well-being. A higher credit score can lead to lower interest rates on future loans and credit cards, potentially saving you thousands of dollars in the long run. To boost your credit score, make timely payments, reduce your credit card balances, and keep your credit utilization ratio low. Regularly review your credit reports to identify and address any errors or discrepancies.

Step 9: Consider Debt Relief or Consolidation

If your debts feel overwhelming and unmanageable, exploring debt relief or consolidation options might be a viable solution. Debt relief programs, such as credit counseling or debt settlement, can help you negotiate with creditors to reduce the amount you owe or establish more manageable payment plans.

Debt consolidation allows you to combine multiple debts into a single loan with a lower interest rate. However, it’s essential to research and choose reputable organizations to ensure you make an informed decision that aligns with your financial goals.

Step 10: Stay Consistent

So, what is the best way to pay off debt fast? Consistency is always key. Make your debt repayment a priority and stick to your plan. Celebrate small victories along the way to stay motivated and maintain your momentum.

Remember, achieving financial freedom takes time and dedication. You can overcome your debts and build a brighter financial future with persistence.

Congratulations on taking the first step toward improving your financial well-being. Remember, Credit.com is here to support you on your journey.

Explore our ExtraCredit® program, which provides valuable resources to help you monitor and manage your credit for a small monthly price Or sign-up for our free service that provides an Experian Vantage 3.0 score along with a free credit report card.

Source: credit.com

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Nestled in the heart of Western Maryland just East of the Appalachians, Hagerstown offers a blend of urban living and natural charm. With a rich historical legacy that stretches back to its founding in the 18th century, this city proudly showcases its heritage through preserved battlefields, museums, and historical landmarks. 

But is Hagerstown, MD, a good place to live? Luckily, we’ve got you covered. If you’re looking at homes for sale in Hagerstown, apartments for rent, or are just curious about what the area has to offer, this Redfin guide is for you. To give you a taste, here are 10 pros and cons to consider before moving to Hagerstown, MD. 

5 pros of living in Hagerstown, MD

There’s a lot to love about living in Hagerstown, from natural beauty to rich history. Here are five of the best reasons to make the move. 

1. Affordable cost of living

A great reason to move to Hagerstown is its low cost of living compared to other US cities, especially large metropolises. The median sale price in Hagerstown is $262,000, well below the national average of $425,000. Apartments are also much cheaper than average, with the standard one-bedroom unit costing around $1,164.

The city offers a range of housing options, including apartments for rent throughout the area. Property taxes and utility costs are generally lower than the national average, making Hagerstown a great option for those looking to live comfortably without the high costs associated with larger cities. Interestingly, however, nearby Baltimore is generally cheaper in every category, especially housing. 

2. Location

Hagerstown’s strategic location at the crossroads of major highways offers convenient access to larger cities like Baltimore and Washington, D.C. This location can be beneficial for government commuters, travelers, and those looking to enjoy the amenities of nearby metropolitan areas. Hagerstown is also near the Appalachians and numerous state forests, making for a perfect suburban retreat located near large cities. 

3. Cultural attractions

Hagerstown is rich in arts and culture. The Washington County Museum of Fine Arts offers an impressive collection of art pieces from around the world. If you enjoy music, the historic Maryland Theatre hosts performances ranging from plays to concerts, while the Big Funky Blues Fest celebrates music with local and national artists. These venues and events create a vibrant cultural scene that adds to the quality of life in the city.

4. Outdoor recreation

Hagerstown is surrounded by gorgeous natural landscapes, offering numerous opportunities for all types of recreation. The nearby Maryland section of the Appalachian Trail provides opportunities for long-distance hiking and historical sightseeing, while nearby Greenbrier State Park has shorter, family-friendly trails. 

Hagerstown is also known for its water-based recreation, offering opportunities for fishing, kayaking, canoeing, and boating in the many lakes and rivers nearby. And if you’re in the mood for camping, there are plenty of places for you to unwind in nature. 

5. Historical significance

Established in 1762 by Jonathan Hager, Hagerstown has a rich history and played a role in many conflicts. There are dozens of historical sites in the area, the most famous being Antietam National Battlefield, the site of a major Civil War battle. 

Other attractions include the Hager House, home of Jonathan Hager, and South Mountain State Battlefield, site of a Union victory in the Civil War. History enthusiasts can explore these sites, learning about the city’s role in shaping US history and experiencing the preserved architecture.

5 cons of living in Hagerstown, MD

While Hagerstown has many positives, there are notable downsides as well. Here are five to keep in mind before making the move. 

1. Weather

The weather in Hagerstown can be challenging for some, with cold, snowy winters and hot, humid summers. It is truly a four-season climate, and sometimes experiences extremes, including a stretch of nine days above 100 degrees Fahrenheit. The coldest month is January, where temperatures rarely reach 40 degrees, while the warmest is July, with temperatures near 90. Those who prefer milder weather conditions might find the climate less than ideal.

2. Limited public transportation

Hagerstown does have a public transportation system maintained by Washington County, with 12 routes that serve a majority of the city. However, there are very few buses in their fleet and not enough routes to serve everyone’s needs, especially for those who travel frequently. This is exacerbated if you live just outside of the city center. Because of this, having a car is almost a necessity in Hagerstown. 

3. Limited nightlife

For those seeking a bustling nightlife, Hagerstown might fall short. Although there are dining and entertainment options, the choices are limited compared to larger cities, especially in the later evening and night. However, there are still a few options, including Broad Axe, Benny’s Pub, and Third Base Tavern. 

4. Limited shopping options

While Hagerstown offers basic shopping facilities, it may lack the variety and high-end retail options found in larger cities. Those looking for diverse shopping experiences might need to travel to neighboring cities, which could be an inconvenience for regular shoppers or those seeking specific brands and stores.

5. Urban sprawl

Because of its convenient location and quality of living, Hagerstown’s population has grown consistently for decades. This has led to an increase in urban sprawl, which can lead to a loss of green spaces, increased infrastructure demands, and a potential reduction in the quality of life for some residents. This may be a downside for some who prefer a smaller town with more character. 

Source: redfin.com

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With friendly Midwestern cities and beautiful rolling plains and prairies, Kansas has a fantastic blend of urban and rural living. Cities like Topeka, Wichita and Kansas City (which is split between Kansas and Missouri) are world-class hubs for everything from industries like aircraft manufacturing to melt-in-your-mouth barbecue. While it’s true that Kansas City is a great city with cool neighborhoods, dining and more, Kansas has much more to offer. Artsy small cities and towns have affordable, family-friendly living, and a refreshing lake or scenic wilderness preserve is never far away.

Overall, the cost of living in Kansas is also affordable. While bigger cities may have higher rents and housing prices, the diverse range of cities and towns guarantees you’ll find a place that fits your budget and lifestyle. Some are up-and-coming destinations for young professionals, while others focus on relaxed, family-centered towns. Covering everything from housing to utilities, here’s what you can expect in terms of the cost of living in different places around the Sunflower State.

Kansas housing prices

One of the biggest benefits of living in Kansas is its low housing costs. In most Kansas cities and towns, the cost of housing is below the national average. In most major cities, you’ll find reasonably-priced apartments and houses, with rents rarely surpassing $1,000 a month.

Here’s what the average rent and home prices are like in some of Kansas’ biggest and most popular cities.

Hutchinson

Surrounded by the beautiful Kansas prairie in the center of the state, Hutchinson is a compact city with a population of around 39,712. Due to its location, some of its biggest industries are wheat farming and working in the local oil industry. In addition to being the site of the Kansas State Fair, city parks and nearby state parks make this a lovely place for outdoor recreation. It also has a zoo and the famous Cosmosphere, a space museum and STEM education center.

At 45.6 percent below the national average, Hutchinson’s total housing costs are the lowest beneath the national average of our highlighted cities. The average monthly rent for a one-bedroom apartment is $719, up 6 percent from last year. The monthly rent for a two-bedroom apartment is up 14 percent to $829.

Hutchinson’s housing market has also grown over the past year. The median sale price to purchase a home here is up 2.6 percent to $143,450.

Kansas City

Straddling the border of Kansas and Missouri, Kansas City, KS’s population of 154,545 makes it the third-largest city in the state. This dynamic metro area is best known for its jazz, barbecue and culture. Live sports are also a big deal here, thanks to both professional and collegiate teams, courtesy of local universities. The combination of a vibrant cultural scene, affordable cost of living and a diverse job market make it a popular Midwestern metropolis to call home.

Kansas City’s cost of housing is 0.4 percent below the national average. The average rent for a one-bedroom apartment is $915 and a two-bedroom unit is $1,034. These rates are up 5 and 2 percent from the previous year.

If you want to buy a home in Kansas City, KS, you’ll be looking at a median sale price of $205,000, which is up 10.8 percent from last year.

Manhattan

Located at the confluence of the Big Blue and Kansas Rivers in northeastern Kansas, Manhattan is one of Kansas’ top college towns. It’s the home of Kansas State University, which is one of the top higher learning institutions in the state. As a college town, Manhattan has great dining, a lively cultural scene and fun activities. Nearby Turtle Lake is a regional destination for boating, hiking and other outdoor recreation.

As a college town, housing costs here are affordable, falling 19.9 percent below the national average. You can rent a one-bedroom apartment for $805 and a two-bedroom apartment for $952. These rates are both up 10 percent from last year.

With no significant growth or decline over the past year, houses in Manhattan go for a median sale price of $178,000.

Topeka

Apart from being the state capital, Topeka in northeastern Kansas has many other claims to fame. For one, the landmark Supreme Court case Brown v. Board of Education of Topeka, which ruled that racial segregation in schools was unconstitutional, originated here. Along with the rest of its rich history, an abundance of parks, family activity centers and laidback neighborhoods make Topeka a very family-friendly city.

Extremely affordable housing is another benefit of living here, with housing costs being 20.4 percent below the national average. You can rent a one-bedroom apartment for $790 or a two-bedroom apartment for $857. However, rent prices have been going up slightly over the past year. The cost for a one-bedroom unit is up 1 percent and two-bedroom unit prices are up 12 percent.

Topeka offers potential homeowners a refreshing low median sale price of $140,000. This rate is up a whopping 64.7 percent from last year. With national median sale prices currently at $428,006, buying a home in Topeka is quite the deal.

Wichita

Located in south-central Kansas, Wichita is the most populous city in the state. In addition to being known as the “Air Capital of the World” due to its many airline manufacturing facilities, numerous airports and Air Force base, it’s a regional hub for art, culture, healthcare and the restaurant industry (Pizza Hut and White Castle originated here). Residents can enjoy the great outdoors in both the heart of the city at parks like Botanica, the Wichita Gardens and out of town at nearby wilderness and recreation areas like Cheney Reservoir.

Even though both average rent and home prices have increased over the past year, Wichita’s housing costs are 34.3 percent below the national average. One-bedroom apartments are up 15 percent to $800 and two-bedroom apartments are up 12 percent to $964.

Wichita also has one of the most expensive housing markets in the state. The median sale price for a house here is up 16.2 percent from the previous year to $215,000.

Kansas food prices

From access to fresh, local meat and produce to delicious state specialties like barbecue and chicken-fried steak, the cuisine in Kansas is some of the best in the Midwest. Agriculture is a major industry in Kansas, with wheat being its biggest cash crop. Corn and soybeans are also top crops. Along with Texas and Nebraska, it’s one of the biggest suppliers of cattle in America. Cities like Kansas City, Topeka and Wichita have fantastic dining scenes, with nationally-renowned barbecue joints.

With so much great food to enjoy, luckily, locals pay below the national average for the cost of living in Kansas for food costs. Total grocery costs here are 7.4 percent below the national average. The average Kansas resident pays between $233 and $266 a month on food, which comes out to between $2,801 and $3,200 annually.

Although overall food costs here are lower-than-average, some cities have even more affordable food prices:

  • Topeka is 22.9 percent below the national average
  • Manhattan is 8.1 percent below the national average
  • Kansas City is 7.8 percent below the national average
  • Hutchinson is 7.7 percent below the national average
  • Wichita is 2 percent below the national average

Topeka has some of the lowest food prices in the state. A dozen eggs cost $1.09 in Topeka compared to $1.60 in Manhattan and $1.70 in Kansas City. The price tag for a half-gallon of milk in Topeka is $1.55. In Manhattan, it will set you back $2.11 and $2.26 in Kansas City. Steak costs $15.09 in Wichita but $9.49 in Topeka and $13.28 in Kansas City. As you’ll see, even though Wichita is the closest to the national average, food prices are sometimes higher in other cities.

Kansas utility prices

In most cities, you’ll pay less than the national average for the cost of living in Kansas for utilities like electricity, water and internet.

Kansas boasts a diverse energy profile. The state gets its electricity from a mix of nuclear power and traditional natural gas and petroleum, as well as renewables like solar power and hydroelectric power. The majority of the state’s water comes courtesy of the Missouri River.

Here’s how total utility costs in these different cities stack up to the national average:

  • Topeka is 4.1 percent below the national average
  • Hutchinson is 2.5 percent below the national average
  • Wichita is 2.1 percent below the national average
  • Manhattan is 0.9 percent below the national average
  • Kansas City is 2.6 percent above the national average

Of our highlighted cities, Kansas City has the most expensive utilities. As an example, the average monthly energy bill is around $178.88. In Topeka, the least expensive city, your monthly energy bill will likely skew closer to $154.60.

The average water bill in Kansas is $26.

Kansas transportation prices

From gas prices to the cost of mass transit, transportation is a key part of any monthly budget to figure out the cost of living in Kansas. Overall, transportation costs in Kansas are below the national average. Along with personal vehicles, most cities and counties in Kansas offer some form of public transportation. These largely consist of bus routes. The Kansas Department of Transportation helps support 145 transit programs that cover most Kansas cities. In some cases, these services are focusing on aiding senior citizens, those with disabilities and other eligible riders with getting around easily and affordably.

Not only does using mass transit help residents save money on gas and other vehicle expenses, but using public transportation has a host of other benefits. In bigger cities, it can reduce commuting times and traffic congestion. It’s also more environmentally friendly, reducing the number of vehicles on the road and, therefore, emissions.

Here’s how transportation costs vary between these different Kansas cities:

  • Kansas City is 13.4 percent below the national average
  • Hutchinson is 10.2 percent below the national average
  • Topeka is 9.1 percent below the national average
  • Wichita is 8 percent below the national average
  • Manhattan is 6 percent below the national average

While each of these cities has some kind of mass transit, options are more limited in smaller cities. In Hutchinson, the Reno County Area Transit provides several fixed bus routes around the city and Reno County. It also has an on-demand service for rural routes. Fares for in-town service start at $4 and rural service at $8, with discounts for eligible citizens like the elderly.

Manhattan residents have the ATA bus system, with routes around Manhattan and surrounding counties and cities like Ogden and Junction City. There are five different routes in town, as well as dedicated routes to and around Kansas State University. All students, staff and faculty of K-State get to ride these routes for free. Bus fares within Manhattan start at $1 for a one-way ride and you can also get day, week and monthly passes.As two of the state’s biggest cities, Topeka and Wichita have some of the most extensive public transportation systems in Kansas.

Topeka Metro in Topeka

Residents of Topeka can get around their city with the help of Topeka Metro. Consisting of a fleet of buses and paratransit vehicles, it operates 12 different bus routes. In a more sustainable move, the fleet will soon acquire three all-electric vehicles.

Single ride fares cost $2, with day passes available for $4 and monthly passes for $50. Senior citizens, those with disabilities and youth between the ages of 5 and 18 are eligible for discounted rates.

However, with a low transit score of 25, having a car might be a necessity in Topeka. Car drivers may need to plan for tolls on the Kansas Turnpike. This 236-mile-long freeway starts in Kansas City and runs through several major Kansas cities, including Topeka. Toll fees vary depending on the length of your trip. You can use this toll calculator to estimate toll fees for your drive. Traveling the entire length of the turnpike would cost $11.15 with a K-tag and $15 without.

Topeka is also not the most bike- or pedestrian-friendly city, with a walk score of 41 and a bike score of 56.

Wichita Transit in Wichita

The Wichita Transit system in Wichita operates 18 different bus routes around the city. It also has paratransit services. The organization dedicates itself to making local mass transit more sustainable and eco-friendly, being the first city in Kansas to include zero-emission, 100-percent electric buses in its fleet. A single ride costs $1.75. Pass options include an unlimited day pass for $5 and a monthly pass for $55.

With a low walk score of 43 and a decent bike score of 50, it’s still necessary to own a personal vehicle to get around Wichita. The Kansas Turnpike also passes through Wichita, so you’ll need to know of tolls, as well.

RideKC in Kansas City

Consisting of buses, bus rapid transit and streetcars, RideKC provides mass transit throughout the interstate Kansas City metro area. It has 78 bus routes, three bus rapid transit lines and a downtown streetcar. Through 2023, all RideKC buses and streetcars are zero-fare.

With a transit score of 28, a walk score of 40 and a bike score of 32, having your own vehicle is likely a necessity in Kansas City. If you do plan to use a car in Kansas City, the Turnpike ends in Kansas City so you may need to pay tolls if you use it.

Kansas healthcare prices

Depending on where you live in Kansas, you may pay more or less than the national average for healthcare. While the location is a factor in healthcare prices, so is your personal health. In general, the cost of living in Kansas for healthcare is a difficult category to quantify and get accurate averages since healthcare costs vary by person. Some people may need to pay more for their healthcare due to pre-existing conditions or the need for specialized care. So, the prices below are not set in stone and are subject to change due to your individual healthcare needs.

But to give you a rough overview of how healthcare costs vary between Kansas cities, here’s the average cost to go to the doctor’s office in these different cities:

  • Topeka: $129
  • Hutchinson: $142.50
  • Wichita: $104.40
  • Manhattan: $137.50
  • Kansas City: $89.77

Although Hutchinson has the highest price for doctor’s visits, it’s one of the least expensive cities to go to the dentist. A dental check-up costs $92 in Hutchinson. In Manhattan, you’ll pay high prices for both general and dental health, as a dental check-up there costs $109.50.

Now, let’s see how overall healthcare costs in these cities compare to the national average:

  • Manhattan is 10.4 percent above the national average
  • Kansas City is 9.7 percent below the national average
  • Wichita is 2.9 percent below the national average
  • Topeka is 0.7 percent below the national average
  • Hutchinson is 6 percent above the national average

Looking at the overall average and individual costs, Topeka and Wichita have lower healthcare costs. But, prices do fluctuate between cities, so it’s something to know.

Another important factor to know is the quality of Kansas’ healthcare system. The state ranks 41st in the nation for healthcare, with especially low marks for quality. It also doesn’t score well for access to healthcare services and for overall public health. So, higher prices may not always correlate to the best care.

Kansas goods and services prices

Living in Kansas, you’ll pay below the national average for miscellaneous goods and services. These include routine activities like going to the movies or getting your hair cut or regular purchases like toothpaste and ibuprofen.

Overall, Kansas cities boast lower-than-average prices for goods and services:

  • Topeka is 23.4 percent below the national average
  • Kansas City is 8.7 percent below the national average
  • Manhattan is 5.5 percent below the national average
  • Hutchinson is 2.4 percent below the national average
  • Wichita is 0.1 percent below the national average

Wichita is the closest to the national average. Getting your hair cut in Wichita costs $19 compared to $14.25 in Hutchinson, which is the cheapest rate in our highlighted cities. But, prices in Wichita won’t always rank higher. In many cases, costs are higher in smaller cities like Manhattan or Hutchinson. For example, movie tickets in Manhattan cost $14 but $10.12 in Wichita. Taking your clothes to the dry cleaners in Manhattan costs $17.99, the most expensive rate in the state. You can find the cheapest dry cleaning bill in Topeka at $12.20. In other instances, prices in Kansas City are higher, with haircuts costing $19.70 and a trip to the dry cleaners costing $14.63.

Taxes in Kansas

Taxes are another cost of living in Kansas factor that can vary widely between states and even between cities within that state. If you live in a city with high sales tax, those added expenses will have an impact on activities like grocery shopping.

Kansas has a statewide sales tax of 6.5 percent. If you spend $1,000 on a delicious Kansas barbecue spread, you’ll be paying $65 extra in sales tax. But, many counties or cities also levy their own sales tax on top of the statewide rate. This can significantly hike up the amount you’ll pay in sales tax:

  • Topeka has a combined tax of 9.15 percent
  • Hutchinson has a combined tax of 8.6 percent
  • Wichita has a combined tax of 7.5 percent
  • Manhattan has a combined tax of 8.95 percent (with an increase to 9.45 percent in 2023)
  • Kansas City has a combined tax of 9.12 percent

This makes Wichita the most affordable city for sales tax. Instead of paying $65 in sales tax for every $1,000 spent, you’ll spend $75 in sales tax. Currently, Topeka has the highest sales tax, adding $91.50 to every $1,000 spent. But, Manhattan will claim the top spot next year when the sales tax within city limits increases to 9.45 percent. The sales tax for Riley County will stay the same. You can see exactly how much you’d pay in sales tax in different Kansas cities and counties with this tax rate locator from the Kansas Department of Revenue.

For income taxes, the tax rate in Kansas ranges between 3.10 percent and 5.70 percent depending on your income level.

How much do I need to earn to live in Kansas?

Overall, the cost of living in Kansas is below the national average. Living here has affordable rates on everything from housing to food. But, how much do you actually need to make to afford the cost of living here?

Since experts recommend you only spend 30 percent of your gross monthly income on rent, you’d need to make $3,380 a month or $40,560 annually to afford Kansas’ average rent of $1,014. Average salaries here range from $22,063 to $101,222, and a single person paying for only their expenses needs to make a minimum gross annual income of $34,073. If you work in a lower-paying field, you may need to spend more than 30 percent of your monthly income on rent. But, with a median household income of $61,091, family households or renters with roommates are better able to make things work.

If you’re unsure what you can comfortably afford to pay in rent, use our rent calculator.

Living in Kansas

Whether you want a vibrant city or a laidback small town, Kansas has a diverse range of places and price points to choose from when deciding where to live. Overall, though, the cost of living in Kansas is accessible for many different people and budgets. And, no matter where you live in Kansas, you can enjoy access to its delectable local cuisine and natural beauty.

Related Articles:

The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of August 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

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Plainfield, IL, is a small suburb southwest of Chicago known for its strong community, abundant nature, and rich history. From its picturesque parks and historic downtown area to its vibrant community events and diverse culinary scene, Plainfield embodies a lifestyle that appeals to many. But what’s it like living here? 

If you’re looking at homes for sale in Plainfield, apartments for rent, or are just curious about what the city has to offer, this Redfin guide is for you. To give you a taste of what you can expect, read on for 7 reasons to move to Plainfield, IL. 

1. Affordable cost of living 

Plainfield has a pretty affordable cost of living compared to other cities in the United States. Housing costs, in particular, are affordable and just below par with the national average. For example, the median sale price of a house in Plainfield is $415,000, $10,000 below the national average. This makes Plainfield an attractive option for those looking for an affordable place to live near Chicago.

Renting is also more affordable than a majority of the country; the average one-bedroom apartment costs $1,750, which is $250 below the national median.

2. Outdoor activities

With nearly 100 parks and trails, outdoor enthusiasts will never run out of options in Plainfield. The DuPage River provides a scenic backdrop for fishing and kayaking, while the Lake Renwick Preserve offers great bird-watching opportunities. And if you’re looking for a day trip, consider heading out to the Baker County Forest Preserve or the Midewin National Tallgrass Prairie. No matter what you choose, the area’s outdoor spaces provide everyone with plenty of ways to enjoy nature and stay active.

3. Historic downtown

Officially the Village of Plainfield, this city is full of history. The downtown area of Plainfield is especially filled with charm, characterized by historical buildings housing local businesses, unique shops, and restaurants. It’s a great spot for a leisurely stroll, a delicious meal, or some retail therapy. The city also hosts regular events, like Cruise Night, which add to the lively atmosphere. 

4. Convenient location

Conveniently situated near Naperville and just 35 miles from Chicago, Plainfield residents can easily access the larger city amenities and job opportunities. Excellent road connections and frequent buses to nearby cities make commuting a breeze, whether you’re headed to the office or planning a day out in the city. However, public transportation within Plainfield is very limited. 

5. Community events

A great reason to move to Plainfield is its calendar full of community events throughout the year. From markets in the spring and summer to holiday festivals in the winter, there’s something for everyone.

Consider visiting Settlers’ Park for concerts and movies during the summer, or strolling through the local farmers’ market on Sundays. During the winter, there are plenty of holiday events, including the Plainfield Holiday Artisan Market, parades, light festivals, and more. These events bring the community together and are a big part of what makes Plainfield a great place to live.

6. Diverse culinary scene

Plainfield’s culinary scene is growing, diverse, and exciting. From local American comfort food to authentic international cuisines, the city’s restaurants have something to offer every palate. If you’re in the mood for great food, consider visiting Sovereign, Imperial Kitchen, or Station One Smokehouse. This diversity not only means you’ll never run out of new dishes to try, but it also enriches the overall living experience in Plainfield.

However, the city lacks late-night options that many cities offer. This means you may have to commute for a fun night out. 

7. Growth and development

Over the past two decades, Plainfield has been experiencing a significant increase in population. From 1990 to 2021, the city’s population increased from 4,557 to over 44,000, turning from a small town into a thriving suburban city. 

Additionally, the city’s economic growth has been consistent over the years, reflecting a healthy local economy. This growth provides a variety of job opportunities and supports a robust local business scene. Whether you’re seeking employment or considering starting a business, Plainfield’s economic landscape is conducive.

Source: redfin.com

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Nestled along the picturesque coastline of Southern California, Malibu is a idyllic city that captivates with its breathtaking beauty and vibrant community. This charming city not only allures those seeking a luxurious beachfront living experience with exquisite homes for sale, but also welcomes those searching for apartments for rent in Malibu. 

While the cost of living in Malibu is high, the city offers a wealth of natural wonders and fun activities you can enjoy without breaking the bank. This Redfin article will explore seven free things to do in Malibu to keep you and your wallet happy. Let’s get started! 

1. Malibu beaches

Malibu is renowned for its stunning beaches that attract millions of people year-round. From the expansive shores of Zuma Beach to the rugged beauty of Point Dume State Beach, there’s something for everyone. Living in Malibu, CA, comes with strolls along the sandy coastline, opportunities to soak up the sun, and moments of serendipitous sounds of crashing waves. Whether you’re looking to catch some waves, have a beach picnic, or relax with a good book, Malibu beaches offer a slice of paradise that’s free for all to enjoy.

2. Malibu Creek State Park

Nature enthusiasts and hikers will solace in Malibu Creek State Park’s breathtaking landscape. This beautiful park features diverse hiking trails, from easy walks to challenging treks. Explore the picturesque Rock Pool, where you can cool off in the refreshing waters or have a peaceful picnic by the stream. The park’s rugged terrain, oak woodlands, and rich wildlife make it a haven for outdoor exploration and a perfect spot to connect with nature without spending a dime.

3. Getty Villa Museum

Nestled in the hills overlooking the Pacific Ocean, the Getty Villa Museum is a must-visit destination for art and history enthusiasts. Showcasing an extensive collection of ancient Greek, Roman, and Etruscan artifacts, the museum offers a glimpse into the classical world. Wander through the meticulously designed gardens, admire the architecture inspired by ancient Roman villas, and enjoy the educational exhibits. Although admission is free, reserve your tickets in advance to experience this cultural gem.

4. Solstice Canyon

Embark on a scenic hike through Solstice Canyon, a lush oasis filled with oak groves, sycamore trees, and vibrant wildflowers. The Solstice Canyon Loop Trail takes you on a journey to the historic Roberts Ranch House ruins and culminates at the flowing Solstice Canyon waterfall.

5. Leo Carrillo State Park

Leo Carrillo State Park offers a coastal wonderland with sandy beaches, rocky tide pools, and picturesque sea caves. This park is perfect for beachcombing, exploring marine life, and enjoying a peaceful day by the ocean. The beautiful coastal views, tide pool discoveries, and opportunities for beach activities make Leo Carrillo State Park an ideal destination for those seeking free outdoor adventures in Malibu.

6. Malibu Pier

The historic Malibu Pier stands as an iconic landmark along the coastline. Stroll along the wooden pier and bask in the panoramic views of the Pacific Ocean. It’s an excellent spot for watching local surfers ride the waves, spotting marine life, and capturing stunning sunset photos. With its free access and inviting atmosphere, the Malibu Pier is a popular gathering spot for locals and tourists.

7. Pepperdine University

If you’re planning where to attend university, take a leisurely walk around the beautiful Pepperdine University campus. The expansive campus is perched atop a hill overlooking the ocean. Enjoy the stunning vistas and serene environment as you explore the well-maintained grounds. The university’s impressive Payson Library and the terrace with sweeping ocean views are open to the public, offering a peaceful retreat to read, study, relax, and appreciate the campus’s natural beauty.

Source: redfin.com

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Last year I was closely involved with a hotel project on Crete which proved ultimately profitable even though the Greek economy tends to stifle profits. Located at a seaside fishing village turned favored tourist spot is where an entrepreneur named Dimitris Markakis spent sleepless nights to bring a stunning hospitality venture to life. SeaScape Luxury Residences are expanding this year because of a combination of impeccable design, efficient marketing and sales, and an age-old equation that involves geographical fate.

Agia Pelagia one of Cretes most amazing seaside villages Author image

“In Tune” Development

Not so many years ago Agia Pelagia was a tiny fishing harbor where goats and sheep were as likely to be seen on the stunning beach as sunburned tourists are today. Once a majestic port for the Bronze Age Minoan civilization, today the town offers delectable Cretan cuisine straight in front of one of Crete’s most stunning swimming, snorkeling, and watersports spots. But when Dimitris Markakis described for me how the good fortune played a role in Crete development, I was reminded how timing is everything. As it turns out, property on the seaside in places like Agia Pelagia was once deemed worthless by the patriarchs of agrarian families.

When these properties were passed down, the favored sons and daughters were given farmlands, olive groves, and orchards – the youngest or those in disfavor, they got beachfront. Talk about a “twist” of fate. As luck so often has it, those less favored siblings mostly sold their property for pennies rather than drachmas. Smart entrepreneurs and those seeking lots by the seaside were the beneficiaries. Today, however, the problem for property developers and entrepreneurs is the economy, taxes, and plummeting prices, not to mention the dire need to build sustainably. With the touristic corporations bearing down on Crete, local entrepreneurs are under increased pressure to conform. SeaScape is a truly non-conformist idea when compared to the big seaside developments.

Bucking the trend to build, Markakis’ and his brothers’ not only had the challenge of creating a luxury self-catered vacation abode, they were also building a brand new development into an already crowded village geography. Agia Pelagia, like other Cretan seaside villages, is struggling to preserve its Cretan traditions and identity, so the SeaScape development came with myriad difficulties above and beyond potential profit and loss. Ultimately, the property designed by the gifted architect, Lefteris Tsikandilakis got built despite a couple of hundred logistical and bureaucratic hurdles.

SeaScape Phases I II from above Courtesy Lefteris Tsikandilakis

Last year I interviewed Lefteris Tsikandilakis, the gifted architect who designed SeaScape Phase One to find out more about the overall vision of this amazing self-catering boutique resort. I got from the designer the developmental philisophy behind this new development:

“It is obvious that every residence is unique, but that wasn’t necessarily the principal design purpose. In this particular project, we had to deal with 2 challenging plots with sharp slopes, their integration in an already developed building, and the need for these plots to be configured in the best possible way. The sea view, the orientation and the scope for the internality of the plot, were principal elements that defined the spatial design.”

The Recipe

SeaScape Luxury Residences became a success in its first year of operation, despite all the hurdles, because of the cohesive efforts for design, efficiency, sensitivity to the local environment, marketing, sales, and creating the perfect guest experience. On the latter, Dimitris Markakis offered this:

”Seascape Luxury Residences” redefines the meaning of “Cretan hospitality” with the addition of 15 new residences with differentiated comfort and innovative design. Every guest here will experience luxury and truly relaxing vacations in the heart of the cosmopolitan village of “Agia Pelagia”. The additional residences feature a unique architectural design that combines simplicity with stylish luxury. The modern decoration aesthetics accentuate out themes of ultimate tranquility and relaxation that every guest needs and expects during summer vacations.”

SeaScape is a stunning property, in the perfect location, and the development actually adds to the aesthetic of Agia Pelagia, rather than detracting from it. This brings me to location, and how complex the job was for Markakis and his team. Choosing to put a hotel in the wide open spaces is one thing, but designing with a vision smack in the middle of a thriving small village is another. The developers of SeaScape had to take into consideration the streets, thoroughfares, zoning, touristic and service traffic, neighboring houses, stores, villas, and so forth. Knowing the value of being in Agia Pelagia may have been a given, but displaying everything in the town for a spell brought looks of concern from the community. I know Dimitris spent many sleepless nights worried over civic outrage over huge cement trucks and etc. I’m sure he wondered many times whether or not he’d selected the right location – ultimately he was proven right. The beautiful people lounging (as in the Instagram share below) at SeaScape last summer must have been a rewarding experience for the owner.

https://www.instagram.com/p/BpVBpSzg8Xy/?utm_source=ig_web_options_share_sheet

Building a brand new vacation residence is hard enough. No matter how compelling any development is on paper, the team that designs, builds, organizes, and promotes must work as harmoniously as possible with the same goals in mind. And once the luxury residences were up, the twin swimming pools filled, the chic pool bar stocked and pillows fluffed, then came the branding and the rush to bookings. I was on the site two weeks before the first guests were slated to arrive, and I can tell you SeaScape looked about half complete. Miraculously, the team opened on schedule and the world of the sales and marketing team came into play. I spoke briefly about SeaScape Phase One, and the new expansion with Giorgos Ergazakis, who’s the Director of Sales at Plarino – Hotel Management Services, the company that handles SeaScape sales strategy. Here’s what he had to say about SeaScape’s initial success:

“The SeaScape Luxury Residences case is interesting for several reasons. Given the end product and the clearly demonstrated vacationer value at the end, most sales execs would consider the property and easy sell. But SeaScape sits in the middle of the amazing competition. We are very prou ofd our marketing and pricing competitiveness helped make the property profitable in such a short time.”

Vision, location, a clear strategy, creating an effective team, and presenting the destination and the accommodation value to the public effectively, all this and more led to SeaScape’s initial successes. And now SeaScape Phase Two is slated to open in the Spring at Agia Pelagia.

Design projections SeaScape One and Two Courtesy Lefteris Tsikandilakis

Expanding On Success

SeaScape Phase One was built upon vacant lots alongside an existing apartment complex at Agia Pelagia. Markakis’ vision had always been to expand the new property to integrate with these existing apartments. Design wise, the trick is to shape the facades and the surrounding environment so that Phase One and Two are combined aesthetically and functionally. My texts from Lefteris Tsikandilakis’ offices speak of key materials usage to make this integration perfect, but the architect’s job is not only about congruent materials. Tsikandilakis will have to create the same sense of casual luxury in this second phase, that guest experienced and talked about from SeaScape Phase One. As the architect told me, SeaScape exists as a perfect balance of interiors and exteriors which create an overall sense.

The second part of the SeaScape story will be completed when more visitors to Agia Pelagia go home to express the special experience of place that many believe can only be achieved here on Crete. Marketing and sales for SeaScape Luxury Residences will be challenged to meet or exceed last year’s successes. The staff will certainly be expanded, guests will expect their luxury holiday, and if my guess is right, many more holiday seekers will become purist fans of one of the world’s most fabulous island getaways, in no small part due to the efforts of Dimitris Markakis, a smart Crete businessman bold enough to be different.

Phil Butler is a former engineer, contractor, and telecommunications professional who is editor of several influential online media outlets including part owner of Pamil Visions with wife Mihaela. Phil began his digital ramblings via several of the world’s most noted tech blogs, at the advent of blogging as a form of journalistic license. Phil is currently top interviewer, and journalist at Realty Biz News.

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Source: realtybiznews.com