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Apache is functioning normally

August 5, 2023 by Brett Tams

eXp World Holdings faced headwinds in the second quarter, as persistently slow real estate sales drove the company’s revenue down 13% year-over-year to $1.2 billion, executives disclosed on Thursday.

Despite the decline in revenue, the holding company for eXp Realty maintained profitability with a net income of $9.4 million, up from $1.5 million in the first quarter of 2023 and $9.3 million in Q2 2022.

The company’s adjusted operating earnings before interest taxes depreciation and amortization (EBITDA) declined 15% year-over-year to $38.1 million in Q2 2023, according to the official statement. 

Amid a difficult housing market, transaction sides declined 9% to 137,199. Sales volume also declined 16% from the second quarter of 2022 to $48.6 billion.

However, eXp World Holdings Chief Executive Officer Glenn Sanford expressed his satisfaction in spite of the declines in revenue, sales and transactions. The company and its subsidiaries, which include eXp Realty, SUCCESS Enterprises, Virbela and other affiliated services, are in solid financial shape, declared its executives. 

“Our net income and adjusted EBITDA were both positive, we continue to have a solid financial profile, we have a strong cash flow generation and a significant cash balance as well as zero debt,” said Sanford during the company’s webcast. 

International Realty was the best performing segment in Q2

When broken down by segments, International Realty revenues increased 35% year-over-year to $11.99 million, reaching an all-time record. North American Realty revenues, on the other hand, fell by 13% year-over-year to $1.21 billion.

“North American Realty business continues to be strong and profitable with unit growth and agent growth outperforming the industry. It delivered $34 million of EBITDA in the quarter,” said Sanford. 

Jeff Whiteside, CFO and Chief Collaboration Officer of eXp World Holdings, acknowledged that high mortgage rates were expected to persist in the short term. However, he stated that consumer price inflation started to cool down in the U.S, eXp’s core North American market.

He further noted that “forward interest rate curves suggest that rates may now be at or near peak levels.”

As such: “We are optimistic that lower mortgage rates will unleash significant pent-up demand as affordability improves and buyers can once again meet seller price objectives.” 

The company remains bullish on iterating its agent value proposition

During the webcast Thursday, Sanford touted eXp Realty’s growing value proposition among agents, pointing to a 7% increase in agent count to 88,248 as of June 30, 2023. Just yesterday, Daryl Owen, the founder of top California independent brokerage Nationwide Real Estate Executives, joined eXp Realty, taking 200 agents along with him.

Sanford highlighted the launch of several initiatives in Q2 that prioritize agent support. The brokerage revamped its eXpert Care Desk, which provides live support to agents 24/7. And in May, they launched Luna, the GPT-4 powered generative AI support agent.

Throughout the second quarter, eXp also made a series of notable announcements, including the launch of its Boost Program to financially incentivize independent teams and brokerages to join eXp Realty and its commitment to reduce its revenue share criteria.

Source: housingwire.com

Posted in: Paying Off Debts, Real Estate Tagged: 2, 2022, 2023, affordability, agent, agents, AI, All, amortization, balance, before, best, brokerage, brokerages, business, buyers, california, cash, collaboration, company, Debt, desk, earnings, estate, eXp Realty, eXp World Holdings, financial, Financial Wize, FinancialWize, first, gpt, growth, Housing, Housing market, in, Income, industry, Inflation, interest, interest rate, international, launch, Live, LOWER, luna, market, Mortgage, Mortgage Rates, net income, or, Other, price, rate, Rates, Real Estate, Revenue, sales, second, seller, Series, short, short term, taxes, Technology, time, Transaction, value, volume, will, yahoo finance

Apache is functioning normally

August 3, 2023 by Brett Tams

Pensacola, Florida, is a city renowned for its beautiful coastal landscapes and rich historical heritage. Alongside its stunning beaches, Pensacola is also home to several exceptional parks that offer residents and visitors a chance to revel in the region’s natural beauty. If you’re considering relocating and renting an apartment in Pensacola or buying a home, you’ll be delighted to discover the well-loved parks that are cherished by the local community. In this Redfin article, we’ll explore some of the most popular parks in Pensacola, Florida. Let’s dive in!

1. Gulf Islands National Seashore

No visit to Pensacola would be complete without exploring the breathtaking Gulf Islands National Seashore. Stretching over 160 miles, this protected area encompasses pristine white sand beaches, picturesque dunes, and abundant wildlife. Visitors can enjoy activities such as swimming, sunbathing, snorkeling, and birdwatching. Additionally, the Fort Pickens area within the park offers a glimpse into the area’s military history, making it a perfect blend of natural wonder and historical significance.

2. Bayview Park 

Situated on the shores of Bayou Texar, Bayview Park is a local favorite for outdoor recreation and family gatherings. The park boasts a large playground, walking trails, and open green spaces perfect for picnics and leisure activities. Bayview Park’s scenic waterfront location provides a serene backdrop for kayaking, paddleboarding, and fishing. With its stunning views of the bay and amenities for all ages, this park is a treasured gem in Pensacola.

3. Perdido Key State Park

If you’re in search of a quieter and more secluded beach experience, Perdido Key State Park is the place to be. Nestled between the Gulf of Mexico and Perdido Key’s Intracoastal Waterway, this unspoiled park offers visitors a chance to immerse themselves in nature. Enjoy long walks along the pristine shoreline, observe diverse coastal wildlife, or simply relax in the peaceful surroundings. Perdido Key State Park is a true haven for nature lovers.

4. Veterans Memorial Park 

As a tribute to those who have served their country, Veterans Memorial Park stands as a solemn and poignant reminder of sacrifice and honor. The park’s centerpiece is the Wall South, a half-scale replica of the Vietnam Veterans Memorial Wall in Washington, D.C. The serene surroundings make it an ideal place for reflection and paying respects to the brave men and women who have served in the military.

5. Big Lagoon State Park 

Big Lagoon State Park offers a serene escape into nature, with its lush landscapes and waterways. The park is an ideal destination for kayaking, canoeing, and hiking, with several scenic trails winding through the coastal forest. Birdwatchers will also find delight in the park’s diverse bird population. The panoramic views of the lagoon and the Intracoastal Waterway make this park a peaceful retreat for all nature enthusiasts.

6. Plaza de Luna

Situated along the Pensacola Bay waterfront, Plaza de Luna is a lively park that hosts various community events and concerts. With its picturesque views of the bay, this park is a popular spot for evening strolls and relaxing by the water. Visitors can also find sculptures and memorials that showcase Pensacola’s rich history and culture. During the evenings, the park’s vibrant atmosphere comes alive with street performers and local vendors, making it a fantastic spot to soak in the city’s vibrant energy.

A final note on parks in Pensacola

Pensacola, Florida, is a city brimming with natural beauty, and its parks offer a diverse array of outdoor experiences. From coastal seashores and bayfront parks to serene getaways, these parks cater to various interests and provide a chance to connect with the area’s natural landscapes. So, whether you’re a resident or a visitor, be sure to explore these parks in Pensacola, and savor the delights they have to offer.

Source: redfin.com

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Apache is functioning normally

July 31, 2023 by Brett Tams

There aren’t many big box retailers whose names spark joy in our hearts the same way Target does. Designers are no different than those of us whose Target run to pick up basics turns into hours perusing the aisles for inspiration. (#targetstyle hails over 3M posts on Instagram, after all.) While it’s often seen as a one-stop-shop for everything nail polish to dish towels, Target’s designer partnerships with Studio McGee, Magnolia’s Hearth & Hand, and Justine Blakeney’s branch of Jungalow, Opalhouse, make it a treasure trove for outfitting interiors without breaking the budget.

But they’re not the only in-house brands for scoring design-forward finds. While designers scour Etsy and Parisian flea markets for unexpected, even bespoke treasures, and love Amazon and HomeGoods for basics, Target is the sweet spot for distinct decor and quality materials. The interior designers we spoke with kept noting just how impressed they are with Target’s bed sheets, pillow covers, and vessels. “Our clients are always shocked when we tell them that the bedding is from Target,” says Tamarra Younis of Union of Art Interiors in Los Angeles. “While we absolutely love a luxury bedding set, there is something really nice about knowing that your sheets and towels aren’t so precious on a daily basis. Because let’s be honest, it’s only a matter of time before your dog jumps on the bed with dirty paws or you dribble your morning coffee on those fresh whites!”

Target’s furniture, accessories, and rugs are definitely impressive as well. “Target online is my go-to,” says Amy Pigliacampo of Amy Pigliacampo Interiors in Los Angeles. “They have so many items you’ll never see in store, including hundreds of side tables, lamps, and rugs.”

Here, 17 Target finds interior designers can’t stop buying.

Opalhouse designed with Jungalow Ceramic Figural Vase Blue – Opalhouse™ designed with Jungalow™

Opalhouse designed with Jungalow Ceramic Figural Vase Blue – Opalhouse™ designed with Jungalow™

Now 25% Off

Sculptural Vases

“I love Target for vessels,” says Jessica Davis, founder of Atelier Davis in Atlanta, who picks up bold vases like this blue stunner from Opalhouse. “Their collaborations with McGee and Jungalow [for Opalhouse] always yield some fun accessories that are inexpensive but help to add something sculptural to a space.”

Hearth & Hand with Magnolia Stoneware Pasta/Grain Bowl, Hearth & Hand™ with Magnolia

Hearth & Hand with Magnolia Stoneware Pasta/Grain Bowl, Hearth & Hand™ with Magnolia

Stoneware Bowls

    Rosanna Bassford, principal of Memmo Interiors in Silicon Valley, California, has picked up Hearth & Stone with Magnolia rim bowls because they remind her of a Japanese meets Scandi design look. “The vertical edge gives it a modern look while the unglazed bottom adds a bit of rustic warmth,” she says.

    Brightroom Large Twisted Open Checkered Weave Milk Crate Natural – Brightroom™

    Brightroom Large Twisted Open Checkered Weave Milk Crate Natural – Brightroom™

    Woven Storage Baskets

      Jennifer Hunter, principal of her eponymous design studio in New York is all about chunky, natural woven baskets for kids’ rooms or play rooms. “They are great storage options that are still chic to be kept in view,” she says.

      Aspen designer Kristin Dittmar of Kristin Dittmar Design also stocks up on light woven baskets to keep pantries, sculleries, and bathrooms organized.

      Threshold 13.5

      Threshold 13.5

      Woven “Planters”

      In a stroke of genius, Palm Beach Gardens, Florida, interior designer Shani Core, uses Target’s large rattan baskets as planters.

      Amy Lamb

      Dinnerware

        Emily Moss, principal of Emily Moss Designs in Anna Maria, Florida, loves the stylish and durable stoneware that she uses for styling dining tables and kitchen islands. “The quality and price point make it one of our consistent go-to Target items,” she says. “The organic shape really adds to a high-end look for a finished tablescape,” as on the table she set above.

        Bree Knit Throw Pillow Cover

        Bree Knit Throw Pillow Cover

        Decorative Pillow Covers

          Chelsey Cox and Rachel Rector of Chinotto House Design Co. in Gainesville, Florida, look no further than Target for solid-colored, decorative pillow covers then pair them with inexpensive pillow inserts from Amazon. They then mix and match the Target pillows with pricey silk pillows from designers such as Laine + Allege.

          Target

          Acrylic Tissue Boxes

            “One of my go-to items that never fails to impress me are Target’s acrylic tissue box holders,” says Kara Childress, principal of Houston-based Kara Childress Interiors. “Their aesthetic appeal and versatility bring an elevated touch to any powder bath or bathroom!”

            Threshold designed w/Studio McGee Round Leather Links – Threshold™ designed with Studio McGee

            Threshold designed w/Studio McGee Round Leather Links – Threshold™ designed with Studio McGee

            Decorative Touches

              For styling a bookshelf, or on top of a coffee table book, Sara Malek Barney, of BANDD/DESIGN in Austin, loves miscellaneous home decor items from Target’s exclusive lines—like these leather links from Threshold and Studio McGee collection. “They add a depth and organic texture to a space as well as fresh, affordable styling.”

              Threshold Bourne Nightstand – Threshold™

              Threshold Bourne Nightstand – Threshold™

              Now 20% Off

              Nightstands

                Target sells a ton of furniture online–way more than you find in the store. “I have bought nightstands on numerous occasions,” says Peter Spalding CCO and co-founder of design marketplace Daniel House Club in Portland, Oregon. “They usually fall between $250 and $500, which really helps when you’re working on a shoestring. The style range is huge and these are the sorts of small casegoods that are easy to move to a second or third bedroom when a client can afford something else.”

                Safavieh Casablanca CSB552 Hand Woven Rug – Safavieh

                Safavieh Casablanca CSB552 Hand Woven Rug – Safavieh

                Wool rugs

                  “My secret weapon is sourcing 100% wool rugs from Target’s website,” says Los Angeles-based designer Amy Pigliacampo of Amy Pigliacampo Interiors. “I have gotten some of the most incredible deals this way and if they don’t work out, returns are free! It’s my all-time fave.”

                  Casaluna King Reversible Textured Cotton Chambray Coverlet Natural/Warm Brown – Casaluna™

                  Casaluna King Reversible Textured Cotton Chambray Coverlet Natural/Warm Brown – Casaluna™

                  Casa Luna Linens

                    Several designers mentioned getting linens at Target, and Casa Luna bedding came up repeatedly. “We are obsessed,” says Tamarra Younis of Union of Art Interiors in Los Angeles, who has used their towels and bed linens in several projects. “Not only are these products very reasonably priced, they are sustainably made, so soft, luxurious, and come in an array of lovely color options.”

                    Christine Vroom of Christine Vroom Interiors in Palos Verdes Estates, California, uses Casa Luna sateen and percale for clients who are on a time or budget pinch. “They are a great option for kids’ or guest bedrooms, and no one would really know the difference with that soft, luxurious feeling sateen,” she says.

                    For Bridget Tiek, principal interior designer at Tiekbyday, in Baton Rouge, Louisiana, the Casa Luna coverlets, shams, and throws are the real steal. “They’ve got that soft feel and organic look of something far more expensive,” Tiek says.

                    Threshold Woven Textural Stripe Bed Throw Rust – Threshold™

                    Threshold Woven Textural Stripe Bed Throw Rust – Threshold™

                    Colorful Throws

                      “A lovely cotton end-of-bed throw is an easy way to bring in a little color and texture with minimal investment,” says Andrea May, principal of Andrea May Interiors in La Jolla, California. This one is from Target’s Threshold line.

                      Threshold Outdoor Rug Worn Stripe- Threshold™

                      Threshold Outdoor Rug Worn Stripe- Threshold™

                      Outdoor Rugs

                        Courtnay Tartt Elias of Houston-based Creative Tonic Design is a die-hard fan of Target’s seasonal outdoor items, especially their outdoor rugs. “They are great quality for the price, and I’ve found them to be quite durable,” she says.

                        Threshold Signature Spa Bath Sheet Light Gray Stripe – Threshold Signature™

                        Threshold Signature Spa Bath Sheet Light Gray Stripe – Threshold Signature™

                        Guest Towels

                          Tartt Elias often buys towels for secondary bathrooms—and loves how “fluffy” they are! “They’re perfect for relatively infrequent use, both price-wise and quality-wise,” she says.

                          Threshold Large Ceramic Table Lamp Black – Threshold™

                          Threshold Large Ceramic Table Lamp Black – Threshold™

                          Stylish Lamps

                            For lamps that look like an old piece of pottery, Amy Peltier, founder and creative director of Peltier Interiors in San Marino, California, knows that Target has options. “These stylish lamps are just the right size for a small accent chest or table,” she says.

                            On the other hand, those looking for a retro accent can indulge in white metal mushroom domed lamps recommended by Pigliacampo.

                            Threshold Recycled Glass Soap Dispenser Clear – Threshold™

                            Threshold Recycled Glass Soap Dispenser Clear – Threshold™

                            Soap Dispensers

                              Boise, Idaho, interior designer Maren Baker picks up bath accessories and soap dispensers. “Either, ceramic or glass with a nice silver pump,” she says. “I also use them in my kitchen for hand and dish soap.”

                              Christopher Knight Home Nahunta Modern Knitted Cotton Round Pouf Coral – Christopher Knight Home

                              Christopher Knight Home Nahunta Modern Knitted Cotton Round Pouf Coral – Christopher Knight Home

                              Ottoman Poufs

                                When Dittmar is looking for organic texture and a pop of color, she browses Target for ottoman poufs. “They add layers to a space, are the perfect size, and add a touch of whimsy,” she notes.

                                Threshold 3pc King Space Dyed Cotton Linen Duvet Cover & Sham Set Light Gray – Threshold™

                                Threshold 3pc King Space Dyed Cotton Linen Duvet Cover & Sham Set Light Gray – Threshold™

                                Duvet Cover and Sham Set

                                  For a more earthy aesthetic, Moss likes the cotton-linen duvet and sham set as the “perfect neutral, foundational element for any bedroom.” She uses it as a base to then layer on color, patter and texture with pillows and blankets. Her pro tip: Add a high-end duvet insert to add fullness to the appearance and to customize temperature preference for cooling or warmth based on the seasons.

                                  Source: housebeautiful.com

                                  Posted in: Bank Accounts Tagged: About, accent, accessories, affordable, All, Amazon, art, atlanta, Austin, basics, bathroom, Bathrooms, beach, bed, bedding, bedroom, Bedrooms, before, big, black, blankets, blue, bold, book, bookshelf, brown, Budget, Buy, Buying, california, clear, co, coffee, coffee table, color, cooling, Coral, Deals, Decor, design, dining, expensive, Fall, Financial Wize, FinancialWize, Florida, Free, fun, furniture, gray, great, guest, home, Home Decor, hours, house, houston, idaho, in, Inspiration, Instagram, interiors, investment, items, japanese, kids, kitchen, LA, lamps, Links, LOS, los angeles, louisiana, luna, Luxury, Make, markets, me, minimal, Miscellaneous, modern, More, Move, natural, neutral, new, new york, nightstand, or, Oregon, Other, outdoor, Partnerships, pillow, pillows, play, pottery, price, principal, products, projects, quality, returns, right, rugs, seasonal, second, Secondary, sheets, Side, side tables, Silicon Valley, spa, space, stocks, storage, Style, styling, target, time, white, work, work out, working

                                  Apache is functioning normally

                                  June 29, 2023 by Brett Tams
                                  Apache is functioning normally

                                  Bitcoin has practically become synonymous with cryptocurrency, but it’s hardly the only coin option out there. If you’re thinking about investing in crypto (or are already doing it), there are several others worth considering.

                                  Let’s look at eight alternatives to Bitcoin for those seeking out the best cryptocurrencies.

                                  But a note before we dive in: cryptocurrencies are extremely volatile and not recommended over other forms of investments like stocks and bonds. But if you do have the appetite for this kind of high-risk investment, let’s first look at what’s happening in the cryptocurrency space at the moment, before we get into the best cryptocurrencies.

                                  What’s Ahead:

                                  What’s Happening in the World of Cryptocurrency?

                                  As you may have noticed, the prices of cryptocurrency tokens have drastically decreased in recent months — with many investors calling it a crypto crash. Even those coins that are considered the “best” cryptocurrencies have dropped in value.

                                  With recent moves by the U.S Federal Reserve to combat high inflation by raising interest rates, on top of global instability, there has been a knock-on effect that’s played out as decreased valuations and even bankruptcies in crypto. More than a few collapses have shaken the crypto market in the past year.

                                  In May 2022, the collapse of TerraUSD (a stable coin) along with its sister token, Luna, wiped out billions in the cryptocurrency market — about $40 billion, to be exact. As a result, some people lost their life savings and othersbit debated exiting the cryptocurrency space altogether.

                                  Later, with the collapse of massive crypto exchange FTX in November 2022 and a number of firms filing for bankruptcy soon after (including BlockFi and Genesis), the losses continued to pile on.

                                  Even Bitcoin has dropped in value, from its peak at $69,044.77 to hovering around $28,000 (specifically $28,349.25 on March 31st, 2023). And some smaller coins have had even sharper declines.

                                  So, what does this mean for you if you’re considering investing in cryptocurrency?

                                  • Even a stable coin isn’t stable.
                                  • There’s volatility in the cryptocurrency space.
                                  • You shouldn’t risk money in cryptocurrency that you can’t afford to lose.

                                  Read more: 5 Things You Should Know Before Investing in Crypto

                                  8 Alternatives to Bitcoin

                                  With that warning out of the way, let’s look at some alternatives to Bitcoin.

                                  You’ve probably heard plenty of buzz over the years about “meme coins” and random success stories of ordinary folks becoming millionaires through cryptocurrency investing, just by seeking out Bitcoin alternatives.

                                  If that’s your goal, this article isn’t for you. We’re not going to promise you any get-rich-quick coins. Rather, these are coins that have people talking and that may be worth considering if you’re looking to expand your crypto portfolio beyond Bitcoin.

                                  Read more: How To Invest in Cryptocurrency: A Beginner’s Guide

                                  Ethereum (ETH)

                                  Source: leksiv/Shutterstock.com

                                  The second most popular form of cryptocurrency, Ethereum is an open-source network managed by users, much like Bitcoin.

                                  However, there are also some significant differences. The network operates through “smart contracts” written in computer code that is uploaded to the blockchain which other cryptocurrencies operate through.

                                  Ethereum currently doesn’t sell as high as Bitcoin, with its price (as of March 2023) at $1,641.82.

                                  Why Invest in Ethereum (Or Not)?

                                  Ethereum is one of the safer options to invest in, ranked in the top 10 regarding price and stability.

                                  You can also use it at more places than you may think — and within the next few years, the number of places that accept cryptocurrencies is expected to grow. Ethereum has a large existing network, a wide array of functions, and there’s constant innovation.

                                  It may also be the best alternative to Bitcoin, particularly if you want to diversify away from an all-Bitcoin cryptocurrency portfolio. Ethereum is second only to Bitcoin in market capitalization, at $220.2 billion, compared to $548.4 billion for Bitcoin.

                                  Ripple (XRP)

                                  Many people like the idea of cryptocurrencies but fear their money isn’t safe in an unregulated, online world. Ripple aims to offer some of that safety.

                                  Ripple is a money transfer and currency exchange network that processes transactions globally. And unlike most other cryptocurrencies, Ripple doesn’t need to be “mined.”

                                  Read more: How To Mine Cryptocurrency: An Interview With a Crypto Miner

                                  Ripple also offers fast settlement and low fees and is being used by large financial institutions (unlike other Bitcoin alternatives).

                                  Why Invest in Ripple (Or Not)?

                                  Ripple has been involved in a lawsuit for over a year with the SEC and the price has dropped significantly. Ripple argues it shouldn’t be treated as a security in order to avoid much stricter regulatory scrutiny. The company plans on exploring an initial public offering when the lawsuit is settled at some point in 2023.

                                  That said, Ripple is still one of the top 10 cryptocurrencies (currently at no. 6 based on market cap). But for investment purposes, Ripple should be thought of as a cryptocurrency equivalent to penny stock — which is exactly where it’s trading.

                                  XRP is trading at $0.535524 (as of April 2023) with a drop of over 84% from the all-time high.

                                  But if you believe that Ripple will be a successful payment system, then its low price right now could be a key benefit.

                                  Litecoin (LTC)

                                  Source: Wit Olszewski/Shutterstock.com

                                  Litecoin is often thought of as a close sibling of Bitcoin. Bitcoin and Litecoin work in the same way, but there are a few key features that make them different:

                                  • Founder Charlie Lee — The founder of Litecoin is well known, unlike the anonymous creator of Bitcoin.
                                  • Speed of transactions — Lee, an engineer, designed the Litecoin system to operate about four times faster than that of Bitcoin. This means that Litecoin can confirm the legitimacy of transactions much more quickly.
                                  • Number of coins — Bitcoin has a limit of 21 million coins once all are found, but Litecoin will have 84 million.

                                  Why Invest in Litecoin (Or Not)?

                                  Litecoin is nearly identical to Bitcoin, but transactions are faster — which is one of its biggest draws. However, there has been discussion as to whether this speed makes Litecoin less secure.

                                  Litecoin’s current price is $89.26 (as of April 2023), which is down over 78% from its all-time high.

                                  The potential upside of investing in LTC is that the coin has been around since 2015 and is seen as stable.

                                  Cardano (ADA)

                                  Source: Dennis Diatel/Shutterstock.com

                                  Cardano is a proof-of-stake blockchain platform. It’s intended to be the next generation of the Ethereum network with a flexible blockchain and scalable platform for running smart contracts.

                                  Cardano was introduced as an “Ethereum killer” and a valuable alternative to Bitcoin.

                                  Charles Hoskinson, one of the co-founders of Ethereum, founded Cardano with the intent of being energy-efficient and supporting fast transactions with minimal transaction fees.

                                  Why Invest in Cardano (Or Not)?

                                  It may not be the best time to get into Cardano as the token has seen better days. It’s trading at $0.406295 (as of April 2023), down over 86% from the all-time high.

                                  The upside in investing in Cardano is that it’s more energy-efficient and superior when it comes to smart contracts.

                                  Binance Coin (BNB)

                                  Binance is one of the largest cryptocurrency exchanges and the Binance Coin is the medium of exchange for the entire network. You can use your Binance Coin to trade and pay fees on the Binance cryptocurrency exchange. You can also use BNB on the BNB Chain ecosystem.

                                  Binance Coin is one of the bigger players in the space (top five), with a total market capitalization of about $50 billion — although it’s primarily used to pay fees on the Binance exchange itself.

                                  Read more: Binance.US Review

                                  Why Invest in Binance Coin (Or Not)?

                                  There are two factors that make Binance Coin worth considering. The first is its market capitalization. At over $42 billion and growing, it’s one of the bigger cryptocurrencies available. That’s also an indication it’s gaining acceptance in the marketplace, especially when you consider that it has been around since 2017.

                                  The second factor is that this is a medium of exchange on the largest cryptocurrency exchange (Binance). You can use your Binance Coin to invest in the Binance Smart Chain network through Metamask if you want to get into the decentralized space.

                                  BNB is currently trading at $316.82 (as of April 2023), down over 53% from its all-time high.

                                  Polkadot (DOT)

                                  Polkadot is a protocol that connects different blockchains with each other (like Ethereum and Bitcoin, for example) with the goal of weaving blockchains together. Polkadot is often referred to as a multi-chain network because it can join networks together (unlike Bitcoin).

                                  However, Polkadot is similar to Bitcoin in the sense that it functions as both a token (DOT) and a decentralized exchange.

                                  Polkadot wants to create an even playing field to improve innovation through the different blockchain networks. Polkadot operates by using two blockchains — a main “relay” network for permanent transactions and “para chains” for user-created blockchains.

                                  Why Invest in Polkadot (Or Not)?

                                  Polkadot aims to offer scalability improvements (the number of transactions per second a network can handle) and governance for protocol upgrades or changes.

                                  What makes Polkadot a good investment is that it’s different in the sense that the network can interact with other blockchains.

                                  With a current price of $6.32 (as of April 2023), DOT is down over 88% from its all-time high. On the flip side, the coin is up 134.37% since it started in August of 2020.

                                  Solana (SOL)

                                  Source: Rcc_Btn/Shutterstock.com

                                  Solana is a public and open-source blockchain. Solana is both a form of cryptocurrency and a flexible platform for running decentralized applications. The cryptocurrency SOL is used for staking and paying transaction fees on the Solana network. Solana is focused on making cryptocurrency quicker and more scalable.

                                  Solana has become popular in the DeFi (decentralized finance) and NFT spaces among users looking for alternatives to Ethereum. NFT projects are minted and traded using smart contracts and since Solana supports smart contracts, NFT projects are popping up here.

                                  Solana is a solution for those seeking low-cost and high-speed alternatives to Bitcoin.

                                  Why Invest in Solana (Or Not)?

                                  Popular NFT projects are being built on the Solana blockchain. If you’re someone who believes in NFTs, then you’re going to want to look into the Solana network.

                                  Read more: The Complete Guide To Buying Your First NFT

                                  Solana’s transaction speed and low costs also make it an attractive option for those looking for a Bitcoin alternative.

                                  SOL is down over 92% at $20.73 (as of April 2023) from the all-time high, but it’s up over 4,037% since it was formed in May 2020.

                                  Avalanche (AVAX)

                                  Avalanche is a decentralized, open-source, proof-of-stake blockchain with smart contract functions. Avalanche touts that it’s the fastest smart contracts platform in the entire blockchain industry (from time-to-finality). Avalanche hopes to offer a highly scalable blockchain without compromising decentralization or security.

                                  The Avalanche blockchain uses its own coin, AVAX, to cover transactions on the network.

                                  Why Invest in Avalanche (Or Not)?

                                  Avalanche is worth investing in if you’re looking for something new and different. The token hasn’t been around as long as some of the other forms of cryptocurrency, so it’s not as established yet, but it’s one of the fastest-growing projects.

                                  AVAX is worth $17.60 (as of April 2023) and is down nearly 88% from the all-time high. This is up almost 528% from the day it was formed on December 31, 2020.

                                  The Bottom Line

                                  While Bitcoin may have once been king, there are now plenty of other cryptocurrencies on the market if you want to start investing in the space. Just remember that any coin, no matter how much buzz it’s getting, is susceptible to market fluctuations — both good and bad.

                                  Read More:

                                  Source: moneyunder30.com

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                                  Apache is functioning normally

                                  June 16, 2023 by Brett Tams

                                  Perhaps not as well known as some of Marriott’s other full-service brands, Renaissance offers the upscale amenities you’d expect at a luxury hotel with business-friendly facilities and, increasingly, more of a sense of place in each of the destinations where you’ll find its outposts.

                                  With properties spread across the globe, from bustling metropolises to tranquil getaways, these hotels cater to the desires of both business and leisure travelers thanks to a unique blend of slick design, locally rooted experiences and high-end accommodations.

                                  Whether you’re seeking a vibrant urban getaway or a rejuvenating escape, here’s our guide to the best Renaissance hotels where you can earn and redeem Marriott Bonvoy points.

                                  St. Pancras Renaissance Hotel

                                  London, England

                                  ST. PANCRAS RENAISSANCE HOTEL LONDON/FACEBOOK

                                  Best for: Luxury-lovin’ gal pals that want to stay at the filming location of an actual Spice Girls music video with easy access to the dizzy thrills of central London.

                                  Why stay here: This hotel is close to the action without being engulfed in the bustle of central London, and has tons of nearby rail options so you’re not dragging your suitcase through rush hour.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Combining Victorian grandeur with up-to-date luxury, the St. Pancras Renaissance Hotel London is a neo-Gothic architectural icon, forming the frontispiece of the iconic St. Pancras International Station, which provides its name.

                                  Step inside and you’ll be greeted with an opulent lobby, a sweeping grand staircase, soaring ceilings and filigreed Victorian design elements. The hotel’s 245 accommodations, 38 of which are suites, balance the property’s history (it originally opened as a hotel in 1873) with contemporary stylings and amenities.

                                  The hotel houses The Hansom restaurant, which serves modern twists on British classics; meanwhile, Mi + Me — located beneath the arches of St Pancras International Station — offers various gourmet burgers and fresh salads. The chic surrounds of the Booking Office 1869 bar — once the original ticket hall for King’s Cross station — are the perfect spot for pre- or post-dinner drinks. The bar specializes in creative cocktails inspired by a Victorian apothecary.

                                  Found within the hotel’s former steam kitchens, the in-house spa is your sanctuary for pampering and relaxation, featuring various treatments which mix aromatherapy with more traditional massage.

                                  Its prime King’s Cross location offers easy access to London’s many popular attractions, from internationally renowned museums and galleries such as the Wellcome Collection and British Museum to trendy boutique shopping hot spots like Covent Garden and Oxford Street. You’re also close to various regional and local train routes and the Eurostar.

                                  Rates start at 265 British pounds (about $330) or 43,000 Marriott Bonvoy points per night (both based on double occupancy).

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                                  Renaissance New York Chelsea Hotel

                                  Chelsea, New York City, New York, USA

                                  RENAISSANCE NEW YORK CHELSEA HOTEL/FACEBOOK

                                  Best for: Families looking for a newish hotel in the charming Chelsea neighborhood.

                                  Why stay here: It’s modern and moderately priced, and it’s a short distance from Chelsea Market, the High Line, Madison Square Garden and the Empire State Building.

                                  Best way to book: Book directly with Marriott using cash or Marriott Bonvoy points.

                                  The Renaissance New York Chelsea Hotel anchors New York’s hip Chelsea neighborhood and blends trendy design with artistic flair; its location is a perfect entryway for new visitors to the City That Never Sleeps.

                                  The hotel’s rooms and suites have contemporary decor, clean lines and floor-to-ceiling windows that offer a great retreat from the bustling city. You can easily escape the chaos without ever feeling too far removed in case you do want to fully immerse yourself.

                                  Venture beyond the hotel’s doors and you’re a short distance from the Flower District and popular attractions such as the Empire State Building and Madison Square Garden.

                                  Rates start at $170 or 40,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Okinawa Resort

                                  Okinawa, Japan

                                  RENAISSANCE OKINAWA RESORT/FACEBOOK

                                  Best for: Water babies looking to spot dolphins and experience a slice of Japanese paradise between high-piled servings of fresh sushi.

                                  Why stay here: This swanky beach resort has 10 different restaurants and a backdrop of beautiful hiking trails with excursions to other nearby islands easily within your grasp.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Found on the shores of Okinawa’s pristine coastline, the Renaissance Okinawa Resort offers a tranquil getaway amid the natural beauty of Japan’s southernmost prefecture. Immerse yourself in the serene atmosphere, where lush gardens, the gentle waters of the East China Sea and the hotel’s private beach create a picturesque backdrop for your stay.

                                  The resort’s spacious and elegantly appointed rooms and suites start at 387 square feet for a deluxe twin room with beach views, drifting right up to 581 square feet for a junior suite. Private balconies offer views of the ocean and meticulously manicured gardens.

                                  You can savor the flavors of traditional Okinawan cuisine, fresh seafood delicacies and even French dishes at one of the resort’s 10 dining venues, many of which offer beautiful sea vistas.

                                  For added bliss, you can rejuvenate your body and mind at the Thalassotherapie Salon, which proffers a range of hand and body massages inspired by ancient Eastern healing traditions, followed by a blissful stop at the resort’s natural hot spring Yamada Onsen.

                                  Beyond the resort, you are surrounded by the unique culture and natural wonders of Okinawa, where you can explore historic sites, visit vibrant local markets or book scuba diving adventures arranged by the resort and nearby businesses.

                                  Rates start at 23,520 Japanese yen (about $170) or 50,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Paris Vendome

                                  Paris, France

                                  RENAISSANCE PARIS VENDOME/FACEBOOK

                                  Best for: Chic couples looking to bookend boutique shopping sprees with fine art courtesy of the nearby Louvre — and laid-back strolls through the Tuileries Gardens.

                                  Why stay here: It’s hip without being achingly boho and is within reasonable distance of some of Paris’s most iconic attractions and shopping districts.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Situated in the prestigious First Arrondissement, the Renaissance Paris Vendome captures the essence of Parisian elegance in a location dripping with timeless charm and haute couture.

                                  The hotel’s stylish 97 rooms and suites feature grandiose 19th-century Haussmannian architecture and voguish stylings that complement the locale’s fashionable heritage.

                                  The hotel’s Balagan restaurant serves a rotating array of culinary delights expertly crafted by its team of chefs using traditional Middle Eastern flavors with innovative gastronomic techniques. Thanks to a partnership with the Experimental Cocktail Club, you can also expect drinks to be top-notch and unique servings to fit everyone’s taste.

                                  Beyond the hotel’s threshold, you can immerse yourself in the rich history and culture of Paris, exploring iconic landmarks such as the Louvre Museum and Notre Dame cathedral, or snap a selfie at the Eiffel Tower (though that’s a rather long stroll away). The hotel is also a prime location for a shopping spree and is close to the Rue de Rivoli and its varied collection of boutiques.

                                  Rates start at 411 euros (about $440) or 74,500 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Esmeralda Resort & Spa, Indian Wells

                                  Palm Springs, California, USA

                                  RENAISSANCE ESMERALDA RESORT & SPA, INDIAN WELLS/FACEBOOK

                                  Best for: Golf obsessives who want to tee off at world-class courses surrounded by panoramic desert views.

                                  Why stay here: The desert views are dazzling and the perfect backdrop for not one, but two championship golf courses, tennis courts and a 24/7 Peloton-equipped gym.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Nestled in California’s dramatic Coachella Valley, the Renaissance Esmeralda Resort & Spa offers a desert oasis of luxe relaxation just a 30-minute drive from Palm Springs. Backdropped by the majestic Santa Rosa Mountains and lush green golf fairways, guests can unwind and relax in a setting of pristine natural beauty.

                                  The resort’s rooms and suites offer balconies with views of the surrounding sierra, the pool area, the resort grounds and golf courses.

                                  On-site dining venues serve a variety of fare, from farm-to-table creations at Cava to Glo Sushi’s mix of fresh fish offerings. An array of delectable cocktails can be sampled at the atmospheric The Place bar as you settle in to watch the sunset amid the sprawling desert landscape.

                                  For those looking for an active vacation, the huge property has tennis courts, a family-friendly pool, a fitness center and access to the Indian Wells Golf Resort.

                                  Looking for something more chill? The resort is also home to Spa Esmeralda, with restorative treatments inspired by desert botanicals.

                                  Rates start at $124 or 32,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Tuscany Il Ciocco Resort & Spa

                                  Tuscany, Italy

                                  CATHERINE STUKHARD/RENAISSANCE TUSCANY II CIOCCO RESORT & SPA/FACEBOOK

                                  Best for: City slicker couples looking to escape the grind for a Tuscan hilltop retreat where they can relax against a backdrop that has all the subtle class of a Fellini film.

                                  Why stay here: Perched on the hills overlooking the dreamlike Serchio Valley, it’s a picture-perfect getaway for oenophiles with a penchant for Italian reds.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Set amid 1,700 acres of breathtaking grounds overlooking the enchanting Serchio Valley, the Renaissance Tuscany Il Ciocco Resort & Spa is a captivating retreat in one of Italy’s most renowned wine regions.

                                  Embodying rustic charm alongside modern comforts, its 180 accommodations all offer luxurious marble bathrooms and serene views of rolling hills, nearby vineyards and picturesque villages.

                                  At the resort’s La Veranda restaurant, you can feast on a mix of international and Italian dishes, while at the Nour Lounge bar, you can embark upon an Italian wine-tasting journey, sampling the region’s finest wines without even leaving the resort.

                                  Unwind at the hotel’s spa, relax in the outdoor pool and lose yourself in the dreamy surroundings, or take a hike to truly discover this beautiful location.

                                  Tuscany is famed for its cultural treasures, from the historic city of Lucca to the enchanting hilltop towns of San Gimignano and Volterra and the renowned wine estates of Chianti (less than two hours’ drive away), so there’s plenty to explore beyond the hotel.

                                  Rates start at 127 euros (about $136) or 22,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Beijing Capital Hotel

                                  Beijing, China

                                  RENAISSANCE BEIJING CAPITAL HOTEL/MARRIOTT.COM

                                  Best for: Business travelers that like to blur the boundaries between work and leisure and enjoy exceptional hospitality in luxurious surrounds.

                                  Why stay here: This is luxury at its most elegant, and a foodies dream courtesy of a team of chefs serving up everything from Peking roast duck to Italian specialities — and all conveniently close to the central business district.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  The Renaissance Beijing Capital Hotel is a juxtaposition of modern luxury and traditional Chinese refinement, allowing for a high-end home away from home amid the bustling energy of the Chinese capital.

                                  Contemporary Chinese artwork and svelte furnishings adorn the hotel’s stylish lobby, with rooms and suites showcasing East-meets-West designs, high-end amenities and skyline views.

                                  In-house dining venues cater to all palates, offering dishes that include authentic Cantonese cuisine at The Garden Chinese Restaurant and international flavors at BLD, or Italian food at the Fratelli Fresh Restaurant. Other highlights include an indoor swimming pool and on-site spa offering a range of traditional treatments.

                                  Beijing itself provides many opportunities to explore iconic landmarks such as the Forbidden City and the Great Wall (around two hours’ drive away), or historic hutongs (traditional neighborhoods) perfect for a wander to discover hidden gems and local treasures. As the sun sets, you can also experience diverse nightlife and some of the city’s fine dining.

                                  Rates start at 789 Chinese yuan (about $110) or 21,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Santiago Hotel

                                  Santiago, Chile

                                  RENAISSANCE SANTIAGO HOTEL/MARRIOTT.COM

                                  Best for: Green travelers looking for solid sustainability credentials without compromising on luxury or opportunities to take in Chile’s most vibrant city.

                                  Why stay here: The hotel has earned the LEED Gold certification by the U.S. Green Building Council. Throw in its stunning views of the Andes and award-winning Chilean cuisine, and it’s luxury without the enviro-guilt.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Found in the prestigious Las Condes district, the Renaissance Santiago Hotel is a sophisticated retreat with bona fide sustainability credentials offering excellent access to the infectious energy of Chile’s most dynamic city, Santiago.

                                  Spacious rooms and suites start at 312 square feet for a standard king room and stretch to 1,001 square feet for a presidential suite. Many of the accommodations offer floor-to-ceiling windows to frame views of the Vitacura and Las Condes neighborhoods against the backdrop of the snowcapped Andes Mountains — something definitely worth enquiring about when you book.

                                  You can indulge in a culinary expedition at the hotel’s restaurants and bars, from innovative Chilean cuisine at the Catae Restaurant to international flavors at D-Bar. You also have Asian fusion at Shinsei and Thai food at Sky Bar Ky, which also serves as a rooftop bar, perfect for cocktails. For food on the go, you can grab sandwiches or enjoy a cup of coffee at Kaitek Cafe Bar as you soak in the city views.

                                  Santiago is a hotbed of culture with its striking neighborhoods, historic landmarks and eclectic arts scene. Discover the colorful street art in Bellavista, stroll through the charming Lastarria district or visit the imposing Plaza de Armas, all while sampling world-class wines and the best of Chilean cuisine.

                                  Rates start at $110 or 16,500 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Santo Domingo Jaragua Hotel & Casino

                                  Santo Domingo, Domincan Republic

                                  RENAISSANCE SANTO DOMINGO JARAGUA HOTEL & CASINO/MARRIOTT.COM

                                  Best for: Budding influencers aching for chic decor, ocean views and upscale service with easy access to local hot spots like the National Botanical Garden and colorful delights of El Conde Street.

                                  Why stay here: A resort-style hotel with renowned hospitality for when blue skies, ocean views and leisurely Insta-ready pool days are your peak priority.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Discover an intoxicating blend of luxury, history and excitement at the Renaissance Santo Domingo Jaragua Hotel & Casino in the heart of the Dominican Republic’s capital.

                                  Colonial-inspired architecture and furnishings can be seen throughout the hotel alongside poppy-painted murals for a contemporary twist. The hotel’s 288 rooms and suites, though they are minimalist in style, provide comfort with modern amenities, plush bedding and views of the city and the glittering Caribbean Sea.

                                  From traditional Dominican cuisine to international flavors, the on-site dining caters to diverse tastes via its Luna Restaurant or Sol Pool Lounge & Restaurant. The lively Luna Bar is also available for botanical cocktails and local artisanal beers. If you’re feeling lucky, you can also flutter some cash at the on-site casino.

                                  The piece de resistance is, of course, the hotel pool, where posing in the spacious cabanas is sure to blow up any Instagram feed.

                                  In Santo Domingo, you can find the UNESCO-listed Colonial Zone, with its cobblestone streets and historic landmarks, or perhaps visit the Alcazar de Colon, the former residence of Christopher Columbus’ son. Elsewhere you can experience the lively atmosphere of the Malecon and stroll along pristine beaches or dance to the rhythms of merengue and bachata.

                                  Rates start at $125 or 17,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Montreal Downtown Hotel

                                  Montreal, Quebec, Canada

                                  RENAISSANCE MONTREAL DOWNTOWN HOTEL/FACEBOOK

                                  Best for: Digital nomads that want to treat themselves to a sophisticated distraction from the day-to-day hustle in a district jam-packed with art, culture and oh-so-hip bars and nightlife.

                                  Why stay here: It’s boutique, contemporary and in a great location with plenty to offer, and is ideally placed if you’re visiting Montreal for one of its many summer festivals.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  The Renaissance Montreal Downtown Hotel can be found in the city’s bustling business district, offering a stylish and cosmopolitan retreat ideal for digital nomads and leisure travelers alike.

                                  The hotel’s chic lobby showcases an eye-catching design with on-trend millennial stylings and street art. Rooms and suites offer a slightly pared-back continuation of this graffiti-style aesthetic and are tastefully furnished with modern amenities.

                                  The hotel’s signature restaurant, East, serves up pan-Asian cuisine, including dishes such as Indonesian nasi goreng and spicy Thai beef larb salad. Adding to the cosmopolitan vibes is the Air Rooftop Terrace, which serves charcuterie platters and shared plates alongside a variety of wines, beers and signature cocktails — perfect accompaniments to watching the sun set across Montreal.

                                  Montreal itself is known for its unique blend of European charm and North American verve. Whether you’re looking to discover the historic streets of Old Montreal, visit museums and art galleries, hike the leafy paths of Mount Royal Park or immerse yourself in the city’s thriving music and culinary scenes, there’s plenty to keep you busy.

                                  Rates start at 284 Canadian dollars (about $210) or 40,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Phuket Resort & Spa

                                  Phuket, Thailand

                                  RENAISSANCE PHUKET RESORT/MARRIOTT.COM

                                  Best for: An easier-on-the-budget getaway for those still craving a high-end Phuket vacation.

                                  Why stay here: Fabulous views, a relaxing spa and plenty of activities are available for all guests, while villas offer a more private experience for those craving a little seclusion.

                                  Best way to book: Book directly with the hotel or on Marriott’s website to earn and redeem Bonvoy points.

                                  Escape to paradise at the Renaissance Phuket Resort & Spa on the island’s northwest coast. This beachfront resort is the peak of tranquillity, surrounded by lush tropical gardens and the calm waters of the Andaman Sea.

                                  The resort’s lobby is adorned with subtle Thai accents and modern decor, and the roomy villas and guest rooms are picture-perfect hideaways to relax in before you kick back and soak up the rays on the nearby beach.

                                  The hotel is home to several eateries, including Takieng, an award-winning Thai restaurant offering fresh takes on local cuisine. Guests can try an array of international dishes at Loca Vore while taking in lagoon views, too. Tropical cocktails and light lunches are also available from the Sand Box Beachfront Bar & Eatery so you can gorge as the sea gently laps in the background.

                                  The natural beauty of Phuket engulfs the entire resort, and there are plenty of nearby islands to explore. Partake in snorkeling trips to see beautiful coral reefs between unwinding on the sandy beaches.

                                  Rates start at 3,800 Thai baht (about $110) or 24,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Wind Creek Aruba Resort

                                  Oranjestad, Aruba

                                  RENAISSANCE WIND CREEK ARUBA RESORT/FACEBOOK

                                  Best for: Marriott fans who want an all-inclusive option in Aruba where they can earn Marriott Bonvoy points.

                                  Why stay here: It’s all about the private island and beaches at this high-end Aruba resort.

                                  Best way to book: Book directly with Marriott to earn and redeem Marriott Bonvoy points and enjoy elite status benefits.

                                  The Renaissance Wind Creek Aruba Resort is a heady mix of Caribbean charm and laid-back luxury in the Aruban capital of Oranjestad. Set on the inviting shores of Aruba, this beachfront resort offers a relaxing vacation spot in a breezy setting.

                                  Bright, Caribbean colors and colonial-inspired design run throughout the hotel and its rooms and suites — which provide Insta-worthy views of the turquoise sea.

                                  Dining outlets at the hotel are plentiful; with eight on-site restaurants you can find Mediterranean, Italian, Caribbean, U.S. and local Aruban cuisine, so even the fussiest of eaters should leave happy and full.

                                  While exploring the area is an option (and recommended), you’d be forgiven if you only wanted to stick around the resort and alternate pool lounging with trips to the nearby beach or play a few hands in the on-site casino. If you do venture out, the colorful streets of Oranjestad are perfect for finding unique souvenirs and people-watching.

                                  Rates start at $204 or 47,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Tel Aviv Hotel

                                  Tel Aviv, Israel

                                  RENAISSANCE TEL AVIV HOTEL/MARRIOTT.COM

                                  Best for: When you’re seeking a pampered break that offers just the right balance between city staycation excitement and lazy beachside R&R.

                                  Why stay here: You get the excitement of a city center along with accessible beaches and the warm Mediterranean Sea, allowing you ample opportunity to explore Tel Aviv and still top up your tan.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  A brilliant anchor point to explore the vibrant city of Tel Aviv, the Renaissance Tel Aviv Hotel is located on the city’s beachfront promenade. This is a stylish hotel for cosmopolitan travelers looking for the best of both worlds — city staycation hijinks with ready access to the glistening Mediterranean Sea.

                                  From the polished wooden surfaces of the communal spaces to the lobby decorated in an oceanic color palette overlooking the Mediterranean, the hotel exudes elegance and luxurious minimalism. The rooms have floor-to-ceiling windows with sea-facing balconies.

                                  The Jaffa Terrace is the main restaurant in the hotel and serves healthy vegetarian and dairy-based dishes. You can also grab drinks and catch a game in the hotel’s Sports Bar, which overlooks the Mediterranean Sea. There’s an indoor pool and a spa offering various treatments to complete the experiences on offer.

                                  Tel Aviv is known for its thrilling nightlife. Take in the streets of Jaffa, visit world-class museums and galleries, or unwind on the sandy beaches of the Mediterranean. There is always something new to discover, from the bustling markets to Tel Aviv’s renowned shopping.

                                  Rates start at $314 or 40,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Chicago Downtown Hotel

                                  Chicago, Illinois, USA

                                  RENAISSANCE CHICAGO DOWNTOWN HOTEL/FACEBOOK

                                  Best for: If you’re in town for a show at the nearby Chicago Theatre and also looking to fill your Instagram feed with skyline panoramas and river views.

                                  Why stay here: It’s pet-friendly and upscale, so ideal if you just can’t leave your pampered pooch at home while enjoying a getaway to the Windy City.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Experience the perfect blend of urban comfort and pet-friendly hospitality at the Renaissance Chicago Downtown Hotel near the iconic Chicago Riverwalk. A surprisingly cool bar and Chicago-themed decor with nods to street art create an unexpectedly trendy vibe. The rooms and suites start at 330 square feet for standard king rooms, with the higher-end suites stretching to a generous 1,000 square feet.

                                  In-house restaurant the Staytion Market & Bar will keep you satiated with creative takes on Chicago street food against a backdrop of tasteful artwork and hanging orb light fixtures. Artisanal cocktails can be enjoyed at Raised, the hotel’s rooftop bar, which offers panoramic views of the dazzling Chicago River and city lights.

                                  If you are traveling with your pet by your side, take a leisurely stroll along the scenic Riverwalk, visit parks and attractions, or discover the city’s renowned architecture and cultural landmarks.

                                  Rates start at $144 or 40,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Bali Uluwatu Resort & Spa

                                  Uluwatu, Bali, Indonesia

                                  RENAISSANCE BALI ULUWATU RESORT & SPA/FACEBOOK

                                  Best for: The traveler who’s outgrown their “backpacker phase” and craves the experience of vibrant Balinese culture without eschewing luxury and comfort.

                                  Why stay here: The hotel is far enough from busy tourist destinations if you simply want peace, yet you’re still only a 15-to-20-minute drive out of town and close to great surf and sun spots.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  Perched among the jungly hills of Uluwatu in Bali, Indonesia, the Renaissance Bali Uluwatu Resort & Spa is surrounded by lush landscapes and ocean views.

                                  With its traditional Balinese architecture and contemporary design twists, this is a hotel for travelers looking for adventure with a healthy dose of luxury. Rooms are spacious, with even the smallest options tracking at 463 square feet; suites start at 635 square feet, with the largest (complete with a whirlpool) measuring 1,399 square feet. The largest of all, for those wanting a truly luxurious stay, is the presidential villa, which is a sizable 10,007 square feet and comes with a private pool.

                                  This resort has a dizzying array of immersive dining options, including local Uluwatu-derived flavors at Double Ikat, where you can also enroll in cookery classes with expert chefs, and international comforts at the quirky Clay Craft Restaurant, which moonlights as a Balinese pottery school. Off-site, there’s a free shuttle bus service to Roosterfish Beach Club at nearby Pandawa Beach, while the in-house R Bar serves handcrafted cocktails and other sundries.

                                  The hotel’s stunning infinity pool (also served by its own pool bar) is ideal for a post-pamper session after taking in the resort’s spa, which offers treatments such as body scrubs, manicures and therapy baths, alongside fitness classes and steam room facilities. Away from the resort, you can explore nearby beaches famed for their surf and jaw-dropping vistas.

                                  Rates start at 3,300,000 Indonesian rupiah (about $222) or 30,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Bangkok Ratchaprasong Hotel

                                  Bangkok, Thailand

                                  RENAISSANCE BANGKOK RATCHAPRASONG HOTEL/MARRIOTT.COM

                                  Best for: The discerning business traveler who needs a Bangkok base for high-stakes Zoom chats interspersed with spa-level tranquility.

                                  Why stay here: An upscale hotel in the thick of one of Bangkok’s premier shopping districts, allowing you to dive into the bustling streets and explore but also easily escape when you need a moment to think.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  A standout in the city’s business and shopping district, the Renaissance Bangkok Ratchaprasong Hotel is a high-end redoubt with sleek interiors, personalized service and convenient access to Bangkok’s major attractions.

                                  This large hotel houses 267 spacious and subtly chic rooms with exposed wooden floors, minimalist decor and hallmark Thai design influences. Key amenities include a fitness center that offers regular yoga classes, an indoor pool and a full-service spa offering therapeutic massage, body scrubs and facials.

                                  Food options include international dining experiences at Flavors, where you can dine in view of the open kitchen, and the award-winning Fei Ya restaurant specializing in modern Chinese delicacies along with its sprawling dim sum menu. You can also find pizza at La Tavola and an array of drinks at the R Bar.

                                  Bangkok is a great city to explore, whether your interests lie in teeming markets and street food or you’re keen to visit some of the area’s beautiful temples and cultural landmarks. Come the evening, the city’s exciting nightlife begins to waken and there are plenty of rooftop bars, night markets and entertainment venues to entice travelers. The Renaissance Bangkok Ratchaprasong is an ideal base for both business and leisure travelers looking to discover the delights of this great city.

                                  Rates start at 4,560 Thai baht (about $131) or 21,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Renaissance Aix-en-Provence Hotel

                                  Aix-en-Provence, France

                                  RENAISSANCE AIX-EN-PROVENCE HOTEL/MARRIOTT.COM

                                  Best for: Seasoned bon vivants seeking high-class cuisine in art-drenched environs, complete with a jolt of joie de vivre.

                                  Why stay here: A stay here is an opportunity to see a side of France that’s a world away from the pomp of Paris while still being able to get lost in that famous Gallic charm.

                                  Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

                                  This charming Provencal hotel, close to the historic heart of Aix-en-Provence, offers unfiltered access to the region’s rich heritage for those looking for an authentic French experience.

                                  The hotel is adorned with contemporary works by local artists, modish furnishings and spacious rooms and suites. Certain rooms have small terraces or private balconies overlooking the hotel’s serene garden and pool.

                                  The on-site Spa Esthederm is open daily and features a fitness area, hammam, indoor pool and two treatment cabins.

                                  The flavors of Provence can be sampled at the hotel’s main restaurant, Atmosph’R, helmed by acclaimed chef Vincent Merly, who uses local ingredients to embolden the authentic southern French cuisine. Other eateries include Le Palm’s, a poolside restaurant for refreshing light lunches and drinks. Any trip to France is incomplete without fine wine, and the hotel’s Bar L’Avant Scene thankfully has an abundance, alongside Mediterranean-inspired cocktails and beers.

                                  Aix-en-Provence itself offers wonderful opportunities to explore narrow streets lined with charming shops, vibrant markets and art galleries, alongside historic landmarks such as the cafe-lined Cours Mirabeau and the famous Saint-Sauveur Cathedral.

                                  Rates start at 176 euros (about $189) or 30,000 Marriott Bonvoy points per night (both based on double occupancy).

                                  Source: thepointsguy.com

                                  Posted in: Moving Guide Tagged: About, accommodations, action, active, Activities, actual, adventure, air, All, Amenities, Architecture, art, artists, Asian, at home, balance, bar, Bathrooms, beach, Beauty, bedding, before, Benefits, best, Best of, Blend, blue, boho, book, Budget, building, business, cabins, california, calm, casino, ceilings, chicago, city, clay, Clean, cocktails, coffee, Colonial, color, color palette, colors, columbus, Coral, couples, Decor, design, Digital, dining, discover, doors, double, dream, energy, Entertainment, entryway, experience, Family, farm, Features, Financial Wize, FinancialWize, first, fitness, fitness center, floor, food, Free, friendly, fusion, garden, gold, golf courses, great, green, guest, guests, guide, gym, healthy, historic, history, home, Hospitality, hot, hotels, hours, house, il, Illinois, in, Instagram, international, italy, japanese, journey, kitchen, kitchens, ky, LA, light fixtures, lights, Local, local markets, luna, Luxury, Main, marble, market, markets, marriott, MI, millennial, minimalism, Minimalist, modern, modern decor, More, mountains, museum, Music, natural, needs, neighborhood, neighborhoods, new, new york, new york city, nightlife, Oasis, offer, offers, office, oh, opportunity, or, Original, Other, outdoor, palette, palm springs, paris, park, peace, peloton, Pet, pet-friendly, pizza, place, play, points, pool, Popular, pottery, property, Rates, ready, Relaxation, restaurant, restaurants, rich, right, river, room, Sanctuary, School, shopping, short, Showcases, Side, Sites, soaring, souvenirs, spa, Sports, Spring, springs, square, staycation, Style, suite, summer, sustainability, swimming, town, tracking, traditional, trend, unique, vacation, victorian, Video, visitors, wall, wander, will, windows, work, Zoom

                                  Apache is functioning normally

                                  May 3, 2023 by Brett Tams

                                  Looking for something a little bit spacey? Something that’s so far off the beaten path, it’s out-of-this-world cool? A dome home could be for you, as it conveys “rugged individualism” and “retro chic” all at the same time.

                                  Architect, writer, inventor, and futurist Buckminster Fuller is credited with popularizing the geodesic dome home in the United States in the mid-1940s.

                                  Since then, they’ve remained a source of fascination. The curved contraptions do have their advantages: The structure is self-supporting, and it is often less expensive to construct.

                                  So for all you dreamers out there, here are five fabulous dome homes at prices ranging from $449,900 to $925,000, in all corners of the country. Take a look:

                                  Price: $825,000
                                  Luna Dome: This trilevel home is one of the larger ones we’ve seen, with four bedrooms and three baths in 4,560 square feet of living space. Its wide-open floor plan makes it seem even more spacious.

                                  This particular specimen, called the Luna Dome, sits on a hilly, 5-acre lot, with spectacular mountain views from its numerous decks. It has a lower, walk-out level with a separate entrance; it could be an independent unit, featuring a living area, den, kitchenette, bedroom, and bath.

                                  “This unique home has hosted people from all over the world and has proved to be a great investment opportunity,” states the listing.

                                  It’s located about an hour’s drive from Denver and major ski resorts.

                                  Idaho Springs, CO

                                  (Realtor.com)

                                  ———

                                  Price: $499,900
                                  Ready for liftoff: We’re willing to bet you’ve never seen anything like this fully shingled, flying saucer-style dome home. It’s built of custom-cut components delivered in special containers, including windows from Denmark.

                                  The traditional front door welcomes you into the futuristic-looking lair. But the use of knotty pine accents and oak flooring brings this four-bedroom, five-bath design back down to Earth. The soaring cathedral ceilings certainly add a sense of awe.

                                  The 5-acre lot includes a metal building with a covered porch, an office, and plenty of storage, which can sometimes be an issue with dome homes—there aren’t a lot of corners where you can place your stuff.

                                  The property is zoned for horses and is covered with native plants, which offer a tax benefit.

                                  Somonauk, IL

                                  (Realtor.com)

                                  ———

                                  Price: $449,900
                                  White House of the future: This special property doesn’t just have a wraparound porch—it also has a wraparound balcony and a wraparound driveway! That’s a lot of wrapping.

                                  Built in 2013, this four-bedroom, 3.5-bath dwelling is equipped with solar panels, which provide energy for most of the home. There are even solar panels on the well that supplies water to the house and 4.5-acre property.

                                  The lower level of this 2,900-square-foot abode appears to be a massive garage. It’s large enough for your cars, a couple of motorcycles, and a washer/dryer combo, or it could fit a skating rink.

                                  The location is a relatively quick drive from Fayetteville, Huntsville, and Lynchburg.

                                  Taft, TN

                                  (Realtor.com)

                                  ———

                                  Price: $925,000
                                  Double-domed home: Each dome home is unique, of course, but this one caught our eye with its red, barnlike exterior and colorful, Space Age meets prairie style interior.

                                  The larger dome has an open floor plan and a main-level primary suite. Two bedrooms, a bath, and a beautiful cupola can be found on the second level. The smaller dome has a garage, workshop, and two additional bedroom suites with kitchenettes.

                                  The 29-acre property has off-the-grid features like geothermal heating and solar panels. There’s also a pond, pastures, and woods. The location is about an hour from Roanoke.

                                  Natural Bridge, VA

                                  (Realtor.com)

                                  ———

                                  Price: $470,000
                                  Geodesic classic: Based on the original works of Buckminster Fuller, this geodesic classic was built in 1995. The triangular skylights with wood frames accent the fact that you’re in someplace unique.

                                  Set on 36 acres, the four-bedroom, two-bath, 2,782-square-foot home has an open floor plan. The kitchen is sleek, modern, and colorful. The ceramic tile floor is heated to keep you cozy and warm in the winter.

                                  In the summer you can swim or fish in the nearby Neversink River. You can also enjoy the trails on your own property and those that wind through the adjacent nature conservatory.

                                  The location is relatively close to the Pennsylvania state line and about 1.5 hours from New York City.

                                  Godeffroy, NY

                                  (Realtor.com)

                                  Source: realtor.com

                                  Posted in: Checking Account Tagged: 2, About, accent, ad, affordable, age, All, architect, bedroom, Bedrooms, bridge, building, Built, cars, ceilings, city, containers, country, couple, Credit, custom, decks, denmark, design, double, driveway, energy, expensive, Features, Financial Wize, FinancialWize, floor, flooring, front, front door, future, garage, gpt, great, heating, home, homes, hours, house, huntsville, id, idaho, il, investment, kitchen, Living, LOWER, luna, Main, market, modern, More, motorcycles, natural, new, new york, new york city, News, ny, oak, offer, office, Open floor plan, opportunity, or, Original, place, plan, plants, porch, price, Prices, property, ready, realtor, Realtor.com, river, second, soaring, solar panels, space, springs, states, storage, Style, suite, summer, tax, tile, time, tn, traditional, unique, united, united states, VA, white, white house, windows, winter, wood

                                  8 Ways Remote Workers Say Their Lives Are Better Now

                                  April 18, 2023 by Brett Tams

                                  These are the top personal benefits of remote work, according to remote workers themselves.

                                  Posted in: Mortgage Tips Tagged: 2, 2021, 2022, All, artificial intelligence, balance, bedroom, Benefits, build, business, Buying, car, Career, chess, city, Clothes, commute, commuting, company, couple, data, Deals, dream, drives, driving, employer, expensive, Family, Financial Wize, FinancialWize, freelancers, front, fun, gas, great, Grow, home, home office, Housing, id, impact, internet, job, Life, Lifestyle, Listings, Live, Living, luna, Make, man, Medical, money, monkey, More, more money, Move, Moving, moving to a new city, new, new home, new york, new york city, News, office, opportunity, or, Other, patient, Personal, photography, pizza, price, rate, relocate, relocating, remote workers, right, Salary, save, Save Money, Saving, saving money, savings, Savings Account, search, Silicon Valley, single, survey, time, town, Travel, Travel Deals, will, work, work from home, work-life balance, worker, workers, working, working from home

                                  How to Protect Yourself From the Next Crypto Crash, According to Experts

                                  April 9, 2023 by Brett Tams

                                  Cryptocurrency is a volatile investment. Here’s how to lower your odds of getting burned.

                                  Posted in: Mortgage News Tagged: 2, 2017, 2022, accountant, All, ARMs, asset, assets, before, best practices, bitcoin, Buy, calm, Capital Gains, capital gains tax, charts, crash, crypto, cryptocurrencies, cryptocurrency, data, death, debate, diversify, diversity, Economy, ethereum, experts, Finance, Financial Planning, Financial Wize, FinancialWize, forecasting, future, goals, good, great, Grow, hold, How To, id, impact, Inflation, interest, interest rates, Investing, investment, investments, investors, lending, leverage, Life, LOWER, luna, Make, Make Money, man, market, markets, money, More, needs, new, new york, opportunity, or, Other, panic, penny, planner, Planning, portfolio, portfolios, president, price, projects, protect, race, Rates, Recession, return, returns, right, risk, safe, Sell, stablecoin, stock, stocks, story, tax, taxes, terra, terrausd, time, trading, trust, value, wealth, wealth management, will, worker, workers

                                  Where to Live in Atlanta for $2,000

                                  March 11, 2023 by Brett Tams

                                  An active cultural scene meets relative affordability in The A.

                                  The post Where to Live in Atlanta for $2,000 appeared first on The Rent. Blog : A Renter’s Guide for Tips & Advice.

                                  Posted in: Growing Wealth Tagged: 2, 2023, active, advice, affordability, affordable, All, AMC, Amenities, apartment, apartments, appliances, art, artists, at home, average, bar, barbecue, bathroom, Bathrooms, bedroom, beer, before, big, Bike, biking, Blog, breakfast, Budget, Built, business, car, ceilings, chance, Cities, city, cleaning, Closet, closets, Clothes, coffee, Convenience, cooking, cost, Cost of Living, country, court, data, deck, desk, dining, dining room, Fall, Financial Wize, FinancialWize, find an apartment, fire, fire pit, fireplace, fitness, floor, floor plans, flooring, food, forest, friendly, furnished apartments, garden, Georgia, green, Grill, Grilling, guide, gym, history, home, ice, kitchen, LA, lake, laundry, Live, Living, living room, Local, locks, low, luna, Luxury, luxury amenities, luxury apartments, Make, making, market, modern, More, Move, Music, neighborhoods, new, offer, offers, office, office spaces, Other, outdoor, park, patio, Personal, Pet, pet-friendly, pets, pizza, plans, pool, price, Rates, referrals, Rent, rental, Rentals, repair, restaurant, restaurants, right, room, shopping, short, Side, smart, smart home, spa, space, springs, steel, storage, studio apartment, Style, summer, swimming, Swimming Pools, The Neighborhood, time, tips, Tips & Advice, tracking, versus, walk score, walking, weather, wi, Wi-Fi, wood, work, working

                                  9 Must-Try Restaurants in Lawrence, MA: Where the Lawrence Locals Eat

                                  February 16, 2023 by Brett Tams

                                  Whether you’ve lived in Lawrence for a while or recently moved there, check out 9 must-try restaurants in Lawrence, MA. Find out where the locals eat.
                                  Posted in: Market News, Paying Off Debts Tagged: 2, 2023, apartment, Asian, Blog, blue, chicken, cocktails, coffee, Financial Wize, FinancialWize, food, fruit, great, green, Grill, historical, home, items, japanese, list, Living, luna, Make, Massachusetts, MI, miles, More, new, nick, pizza, place, Redfin, Redfin.com, restaurant, restaurants, rich, river, Style, terra, traditional
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