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Apache is functioning normally

September 11, 2023 by Brett Tams

Jacksonville is the largest city in Florida, with a population of nearly 900,000 people. The city is 850 square miles and offers some of the most beautiful scenery in the world, including something Florida is famous for — its beaches.

But spending time in the sun and sand aren’t the only reason to move to this great city. It’s also one of the most artistic cities in the state, perhaps even the country. Artists and musicians fill the city with beautiful paintings, as well as jazz, blues and Southern rock. If that sounds like heaven to you, you’ll love the Jacksonville Jazz Festival. Held every Memorial Day weekend, this festival that takes up 15 blocks in downtown Jacksonville, features live music and delectable cuisine. Plus, you’re surrounded by like-minded people who love great music and a good time. Oh, and the festival is free!

And that’s one of the great things about Jacksonville — there’s always something fun to do, whether you’re single, married with kids or a senior citizen.

Another perk of living in this fine city is that it offers great housing at an affordable price. You can find lots of great apartments for rent in Jacksonville that fit your budget. Now, the question is: Where to live in Jacksonville? We’re going to share some amazing neighborhoods that you need to know about!

Where to live in Jacksonville

Ready to learn about some of the best neighborhoods in Jacksonville, FL? Here’s our list of where to live in Jacksonville in 2022.

Who’s coming with you?

Which one neighborhood characteristic can you not live without?

What’s your idea of quality downtime?

Which of these best describes your current life stage?

Your personal style could be best described as:

Which of the following is most important to you in choosing an apartment?

Where to Live in Jacksonville

San Marco

Image Source: 1789 San Marco Blvd

San Marco has a great indie, urban-suburban vibe and most of the residents are young professionals. There are trendy bars, restaurants, coffee shops and parks galore! You’ll find theaters that showcase art-house flicks or host intimate concerts with local musicians. However, it’s not all nighttime fun in San Marco. A lot of young families live in the area, too, with many schools in the area ranking above average or excellent with parents. San Marco is one of the safest neighborhoods in the city, making residents comfortable taking evening strolls with their pet or significant other.

Find Apartments in San Marco

Riverside

Riverside is a safe, affordable neighborhood with plenty of amenities that’s a haven for hipsters and millennials. The neighborhood is less than four miles away from the downtown area, which means you can easily access your favorite shops and restaurants in Jacksonville. That’s not to say, though, that Riverside doesn’t have its fair share of amenities. You’ll find several amazing, sometimes eccentric restaurants serving everything from burgers and steaks to local seafood and incredible international fare. Riverside also boasts some hip coffee shops and bars.

Find Apartments in Riverside

Downtown

This urban neighborhood is ideal for young professionals looking to start and/or get ahead in their careers. However, plenty of retirees choose to live in the apartment and condo complexes here, too. The city is bustling from morning until night, with restaurants, bars, clubs and live entertainment venues. Despite the buzz of busy workers, residents and tourists, Jacksonville has a fairly laid-back vibe. Just imagine sitting at a table at a waterfront pub and enjoying local seafood with your friends after a long day at the office.

Find Apartments Downtown

San Jose

Image Source: King’s Crossing

San Jose is near the amenities of the city but has a more suburban vibe. The crime rate is also quite low, making it a safe, quiet and secure community for residents. San Jose is home to the San Jose Country Club, located near the Saint Johns River. Established in 1947, the private Club is on the National Register of Historic Places. Members enjoy tennis, golf, swimming, a fitness center and special events hosted by the Club. Route 1 and I-95 are nearby, making the commute to neighboring communities and beaches easy and fast.

Find Apartments in San Jose

Mandarin

This historic neighborhood has large, mature oak trees with massive leaves — perfect for shading your family on a hot summer day. You’ll find stunning views of the river and several lovely neighborhood parks. Mandarin is a family-friendly neighborhood and has above-average schools. The commute to Downtown is incredibly convenient, as it’s less than a mile away. It’s also a short trip to local beaches, boutiques and shops, restaurants, pubs and coffee shops. If you’re a fan of boating, you’ll love living close to Julington Creek. Boat traffic in this area is often less than in other parts of Florida, making your jaunt across the water much more enjoyable.

Find Apartments in Mandarin

Riverview

Image Source: 8720 4th Ave

Riverview is one of the most affordable neighborhoods in the city. The overall cost of living in Riverview is 17 percent below the national average, while housing costs are 40 percent lower. The area has some casual shopping centers and restaurants but if you’re looking for more upscale boutiques, eateries and nightclubs, you’ll have to travel into Downtown Jacksonville. Luckily, the downtown area is only about six miles away. You can reach it in about 10 minutes. Schools in this neighborhood are average or above average, with national test scores from these schools averaging nearly 30 percent higher than the national average.

Find Apartments in Riverview

Deerwood

Image Source The Hawthorne

Deerwood is an urban-suburban neighborhood that’s between 15 and 30 minutes from the downtown area. There’s a lot of diversity in this middle-to-high class neighborhood. The crime rate is low, and the schools are above average, making this an ideal neighborhood for raising your family. However, there are plenty of singles who live in the area. There are multiple, convenient shopping centers so you can easily run errands without having to travel into Downtown Jacksonville. Many of the homes have yards for pets and kids. There are lots of green areas with grass and mature trees. It’s a great community for pet owners.

Find Apartments in Deerwood

Sans Pareil

Image Source: The Club at Town Center

Residents describe this neighborhood as quiet, peaceful, safe and beautiful. Neighbors take pride in their community, so homes and yards are well maintained. Schools rank well above average, as well, making this a great neighborhood for families. The cost of living is a bit below the national average, making this a wonderful option for young couples, new families and retirees with a fixed income. If you decide to move to Sans Pareil, you’ll likely need a vehicle. Commutes range between 15 and 30 minutes for most residents, with Jacksonville being over 13 miles away. However, Sans Pareil is in close proximity to some of the best universities and colleges in the state.

Find Apartments in Sans Pareil

Rebecca Green is a content editor and writer for RentPath. She enjoys interior design, dogs and can tell you where to find the best pizza in Brooklyn. You can see some of her other published work on Apartment Guide.

Source: rent.com

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Apache is functioning normally

July 25, 2023 by Brett Tams

Hiring movers and using a moving company to help with your move has all sorts of benefits, like saving time and logistics coordination. Using these types of services is as basic as just having someone help carry boxes or entrusting the entire moving process to your movers. But how much do movers cost? How much will you need to pay for specific types of services and what’s included?

This guide on how much movers cost and the overall cost of moving will help you know what to expect so you can budget and prepare accordingly and not be caught off-guard.

How much does it cost to hire a moving company?

How much do movers cost? Unfortunately, there’s no one-size-fits-all answer to this key question. The cost of hiring movers and getting a company to help with your move depends on a variety of factors, from how far you’re moving to how much stuff you’re transporting.

To give you a ballpark figure, hiring a moving company ranges in price from $800 to $2,500. The national average cost of using movers is $1,400. But, moving company costs go up significantly if you’re moving cross country, ranging between $2,200 and $5,700.

Different companies, from local operators to major outfitters like United Van Lines, will also have different pricing structures and rates.

What does the cost of hiring movers include?

At its most basic, the cost covers labor (the movers) and the means of transport (the truck). You don’t need to go to an outside truck rental company, and you have at least one mover helping out. But, hiring movers can have all sorts of add-ons like packing materials.

What impacts the cost of hiring movers?

There are several factors that impact the cost of hiring a moving company and movers.

Time of year

The season and time of year that you move have a definite effect on how expensive your move will be. Peak moving season generally extends from Memorial Day to Labor Day weekend, meaning that the majority of people move during the summer months. In fact, roughly 70 percent of all local or long-distance moves happen during this timeframe. There are several reasons for this. For one, school is out and it’s easier to coordinate a move, especially long-distance moves when the kids aren’t in school. For another, the weather is nicer and the days are longer.

This also means that summer is a busy season for movers and costs are higher. If you plan your move in the off-seasons of fall, winter or spring, moving company prices are lower and you’ll save money.

Distance

The price to hire movers and use moving services also depends on distance and how far the movers have to travel, like moving to a different state. For a local move that’s within 100 miles of the original apartment, costs are generally lower. This is because there are fewer logistics and travel costs involved. A moving company can typically give you a quote over the phone instead of an in-person visit, and a short-distance move uses less gas and takes less time.

But, you can expect to pay much more for a long-distance move. Long-distance moving companies naturally charge more and have higher rates than local moving companies because of the travel fees associated with a long-distance move versus local moves.

For one thing, longer moves require more planning and are more complicated. The movers will typically have to come to your home and give you an in-person estimate. The more belongings you have, the bigger the truck required for the move. On a long-distance move, costs need to cover more necessities like gas, mileage, tolls and potential lodgings or essentials for the drivers and movers. You’re also paying for time. If the company charges an hourly rate, you’ll pay for all the hours the movers spend getting to the destination. For flat rates, they’ll be higher, as well, to account for the hours, miles and time invested.

Amount of goods

If you’re packing up a studio apartment and are mainly moving personal belongings, moving services cost less because they’re transporting fewer goods. But, if you’re packing up an entire three-bedroom apartment with furniture, appliances and more, it’ll take much more manpower and therefore cost more.

Number of movers

On top of paying by the hour, you’ll also pay per mover. For easy, local moves where you only need one or two movers, you’ll pay less. But, if you’re moving cross country with a three-bedroom apartment’s worth of stuff, it’ll likely require a bigger team and more experienced movers. In that case, you’re paying for the extra movers and their advanced expertise.

Size of truck

The larger the truck, the higher the cost. The size of the truck needed for your move also impacts the average cost. Smaller vehicles have better fuel efficiency and cost less due to their reduced capacity. But, bigger moves typically require larger box trucks or even semis to fit everything. Carrying bigger, heavier loads and being larger reduces the trucks’ fuel efficiency, requiring more frequent fill-ups at the gas station.

Specialty services and items

Moving fragile, unique items like grand pianos, extra vehicles or antique furniture drives the cost more since these objects require special care and attention.

Full-service moves

Full-service movers take care of pretty much everything for you during your move, from packing up your apartment to assembling furniture at your new place. But, that kind of personalized service comes at a much higher cost because it requires more hours, skills and personnel.

If you pay for labor-only movers and no additional services, you’ll keep costs down.

Packing supplies

Moving services that take care of everything for you also typically provide packing materials, but you rarely have control of the price. You can avoid these costs altogether by buying or using your own packing materials.

Accessibility or difficult locations

Movers charge a premium for more complicated moves. For example, if your new apartment is on the top floor of an older apartment building with no elevator, the movers will have to carry all the boxes and furniture up multiple flights or stairs. Typically, that can add a couple of hundred dollars to your bill.

Additional moving costs

On top of all these, you may have to pay for additional services like closing costs, using a storage unit or having the movers assemble furniture or unpack things for you.

How can I save money and reduce costs when hiring moving companies?

If you have a tight budget and need to keep costs down during the moving process, there are plenty of ways you can reduce your moving expenses.

Move on a weekday

Because of work, the majority of people plan their moves to happen on the weekend. Not only does this mean that movers have less availability, but also movers cost more on the weekends due to the increased demand.

You can usually find a better deal and more availability by moving during the week between Mondays and Thursdays.

Pack everything yourself

For an extra cost, a full-service moving company will pack all your belongings for you. But, the cost of having movers pack up your household for you can cost up to $1,000.

Avoid this charge by packing up your personal belongings ahead of the move. That way, you’re only paying for the labor of having movers load and unload boxes.

Find free packing supplies

Unless you have a ton of moving boxes and bubble wrap lying around, you’ll have to buy packing materials. Depending on how much stuff you need to pack, you may have to spend a decent amount of money on all the supplies you need.

Luckily, there are ways to find free packing materials. If you know you have a move coming up, you can start saving boxes you get in the mail in advance. People frequently get rid of unwanted packing materials on online marketplaces like Craigslist and Freecycle. Check with friends, family and acquaintances to see if they have boxes and other materials to spare. You can even request free boxes from USPS.

Don’t move at the beginning or end of the month

Since most apartment leases start or end at the beginning or end of the month, those are the busiest times for movers. By planning your move for the middle of the month, movers cost less and have more availability.

Is it cheaper to move by myself and not hire movers?

Generally speaking, yes, it’s cheaper to do a DIY move and not hire professional movers. For one thing, you don’t have to pay an entire crew of people to help you with the move. You’ll still need to pay for a moving truck, gas money, packing supplies and maybe some pizza and beer as a thank you to any friends or family members who helped out.

In some cases, you may not even need to rent a moving truck. If you don’t have a ton of stuff to move, you can usually make do with your own car and borrow a friend’s truck. But,as you get older and accumulate more belongings, you’ll likely need to get a bigger truck rental.

However, since you don’t have someone helping you with the planning and logistics of a move, you may encounter unexpected costs or expenses that you didn’t plan for or anticipate. You’ll also have the entire burden and stress of moving solely on you.

How much should I tip?

On top of the overall moving costs, it’s customary to tip the movers assigned to your move. It’s not required, but it’s good practice and generally expected as a final thank you for a job well done. It’s especially recommended to tip your movers more if the job was especially big or they had to handle fragile items. Fast, efficient service and your movers going above and beyond are also reasons to tip more. Cash is also best.

There’s no set amount since moving costs are different for each person and company. In general, you should tip between 5 and 10 percent of the total cost of the move. Another option is to tip by the hour. Anywhere from $6 to $12 per hour and per mover is a good current rate. The more movers you have and the more hours they work, the higher the tips are.

Your tip should also be big enough so all the movers, including the driver, are equally compensated. To make sure that everyone gets their share, you can pass out the tips to everyone while thanking them. Another way to thank your movers is by providing easy food like pizza and sandwiches and drinks.

The tip should also reflect the quality of the service. If lots of boxes arrived damaged, the movers got the moving date wrong or the moving truck arrived late, those are all causes for a reduced tip.

What are the benefits of hiring a moving company?

Even though using a moving company is expensive, there are many benefits to hiring movers to assist you with a big move.

Prevents injuries

From heavy boxes to giant pieces of furniture, the process of moving apartments is rife with opportunities to accidentally injure yourself or others. You could pick up a heavy box of books and hurt your back. Maneuvering heavy furniture opens the door to everything from accidentally dropping it on someone’s foot to hurting yourself rather than risking damaging the furniture. While there are certainly some items you can easily move by yourself, others it’s best to leave the pros.

Since movers do this for a living, they have more than enough experience handling heavy boxes or unwieldy furniture. Not only do they have the strength and dexterity, but they also operate as a team, working together as a well-coordinated, experienced unit to safely move items without injury or damage to themselves or the objects.

Finally, they also have the proper tools for the job. From moving dollies to hand trucks, having the right equipment reduces the risk of injury. So, why put yourself at risk of lifting that too-heavy box of books when you can call in the pros?

Saves time

Saving time is one of the biggest advantages of hiring a moving company.

Maybe you’re starting a new job on the other side of the country and need to get settled in by a certain date. Or, you’re trying to juggle a job, family and other responsibilities while planning a move at the same time. Whatever the reason, most of us already have significant other demands on our time aside from moving. Most people don’t have the benefit of hitting pause on all their other responsibilities while moving house. Moving takes a lot of time and can take anywhere from a few days to several months from start to finish. That’s where movers come in.

If you don’t have the time of day to plan and coordinate everything yourself, a moving company takes the stress of planning off your plate. Even if you do have the time, it’s nice to leave the process in the hands of professionals. By shifting the logistics of moving to your movers, you can focus on other things and not get overwhelmed.

Professional service and expertise

When your car breaks down, you take it to the mechanic. If your sink gets clogged, you call a plumber. We turn to professionals to solve all kinds of problems, so why wouldn’t you do the same for moving?

Professional moving companies are here to make the process of moving easy for you. They take care of all the heavy lifting (literally), offer quality customer service and take the burden off your shoulders. If something goes wrong or there’s an issue, they problem-solve and offer solutions. As moving experts, they know exactly how to get your belongings from Point A to Point B safely and efficiently. Everything from loading and unloading to planning out the logistics of the move, they can do for you, and you know you can trust them because they do this every day. You also know that your personal belongings are safe and are in good hands.

Hiring a moving company ensures you have an expert beside you to hold your hand, answer your questions and take care of everything for you during the move.

Reduces stress

No matter which way you slice it, moving is a stressful process. Maybe you have a short timeline and don’t have a ton of time to pack and plan. Even if you have months to plan a move, unexpected problems like delays can come up. When you hire movers, you don’t have to face and solve these problems alone, which cuts down on stress.

How much will my move cost?

Now that you know what factors impact the cost of hiring professional movers, you may wonder how much your move will cost you.

To calculate the cost of your move, you can use our moving cost calculator to get a free estimate and start creating your moving budget. As you’ve seen above, there are plenty of ways you can keep moving costs down, from packing your belongings yourself to being flexible with the season or time of the month that you move.

How much movers cost depends on the needs of your move

While some moving costs are in stone, you can take steps to reduce costs or find a moving operator that fits your budget.

Source: rent.com

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Apache is functioning normally

July 22, 2023 by Brett Tams

Mortgage applications dropped for the second straight week, this time down 4% for the week ending May 28, 2021, according to the Mortgage Bankers Association‘s weekly mortgage applications survey.

This week’s data was compared to mortgage applications from the week of Memorial Day in 2020.

The overall housing index hit its lowest point since February, said Joel Kan, MBA’s associate vice president of economic and industry forecasting.

“Tight housing inventory, obstacles to a faster rate of new construction, and rapidly rising home prices continue to hold back purchase activity,” Kan said. “The government purchase index declined to its lowest level in over a year and has now decreased year over year for five straight weeks. Purchase applications were down almost 2% from a year ago, but that was compared to the week of Memorial Day 2020.”

Kan added that refinance activity dropped for the second straight week, even as the 30-year fixed rate decreased slightly to 3.17%.


Here’s what to expect in the mortgage application process

Buying your dream home starts with being a well-prepared buyer and beginning the mortgage application process before you even look at homes.

Presented by: Citi

“Even though rates have been below 3.2% over the past month, they are still around 20 to 30 basis points higher than the record lows in late 2020,” he said.

The refinance share of activity decreased to 61.3% of total mortgage applications from 61.4% the previous week. The FHA share of total mortgage applications increased to 9.6% from 9.1% the week prior, but the VA share of total mortgage applications decreased to 10.9% from 11.2%.

Here is a more detailed breakdown of this week’s applications data:

  • The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($548,250 or less) decreased to 3.17% from 3.18%
  • The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $548,250) increased to 3.34% from 3.30%
  • The average contract interest rate for 30-year fixed-rate mortgages decreased to 3.16% from 3.2%
  • The average contract interest rate for 15-year fixed-rate mortgages increased to 2.56% from 2.53%
  • The average contract interest rate for 5/1 ARMs decreased to 2.54% from 2.81%, with points remaining unchanged at 0.29 (including the origination fee) for 80% LTV loans.

Correction: An earlier version of this story incorrectly said the average interest rate for ARMs increased, when it decreased.

Source: housingwire.com

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Apache is functioning normally

July 22, 2023 by Brett Tams

For the third week in a row, mortgage applications decreased.

Mortgage applications fell 3.1% in the week ending June 4, and refis took the biggest dip, according to the latest report from the Mortgage Bankers Association.

“Most of the decline in mortgage rates came late last week, with the 30-year fixed-rate mortgage declining to 3.15 percent,” said Joel Kan, the MBA’s vice president of economic and industry forecasting. “This likely impacted refinance applications, which fell 5% for both conventional and government loans. But purchase applications were up slightly last week, and the large annual decline was the result of Memorial Day 2021 being compared to a non-holiday week, as well as the big upswing in applications seen last May once pandemic-induced lockdowns started to lift.”

Compared to last year, fewer people are applying for purchase mortgages, the MBA reported, as home prices continue to rise and prospective buyers avoid astronomical bidding wars. Demand is still strong overall, especially in certain markets in the South and West.

“Housing demand is still far outpacing supply,” Kan said. “The average loan size on a purchase application edged down to $407,000, below the record $418,000 set in February — but still far above 2020’s average of $353,900.”


The mortgage ecosystem is fractured – Here’s how to fix it

To improve the mortgage ecosystem, SitusAMC and ReadyPrice created a platform that connects originators with the secondary market.

Presented by: ReadyPrice

The refinance share of activity decreased to 60.4% of total mortgage applications from 61.3% the previous week. The FHA share of total mortgage applications decreased to 9.5% from 9.6% the week prior, but the VA share of total mortgage applications increased to 11.2% from 10.9%.

Here is a more detailed breakdown of this week’s applications data:

  • The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($548,250 or less) decreased to 3.15% from 3.17%
  • The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $548,250) decreased to 3.29% from 3.34%
  • The average contract interest rate for 30-year fixed-rate mortgages decreased to 3.12% from 3.16%
  • The average contract interest rate for 15-year fixed-rate mortgages decreased to 2.52% from 2.56%
  • The average contract interest rate for 5/1 ARMs decreased to 2.54% from 2.81%, with points increasing to 0.39 from 0.29 (including the origination fee) for 80% LTV loans

Source: housingwire.com

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Apache is functioning normally

July 21, 2023 by Brett Tams

As we celebrate the unofficial start to the summer season, we’re really hoping the coming months are filled with moments exactly like this.

Sweet sips of lemonade, lazy afternoons in the hot sun, followed by cool dips in the pool…I think the painter Josep Moncada captures the feeling of the season rather perfectly, don’t you?

I hope you have a wet and wild or wet and mild! if you prefer day off! We’ll be back to our regular posting schedule tomorrow!

art by josep moncada

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Source: apartment34.com

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Apache is functioning normally

July 16, 2023 by Brett Tams

Buying new furniture can be an exciting way to personalize and update your home, whether your taste runs towards a sleek, modern look, a funky boho vibe, or anything in between. But furniture can be expensive, so you’ll likely want to shop at the right time to get the best possible deal.

When precisely that is will typically vary based on what you are hunting for. Indoor furniture may be on sale in the winter and summer, but outdoor pieces may be marked down at the end of summer and in the fall.

To help you save a bundle on your new furnishings, no matter what you may be looking for, read on for smart intel and advice.

When Is the Best Time to Buy Furniture?

The best time of year to buy furniture depends on which kind of furniture you’re talking about. Here are some rules of thumb to keep in mind as you redesign your living space.

Indoor Furniture

Like many other manufactured goods, sales on indoor furniture are dependent on the release of new pieces: when a showroom needs to make room for next season’s stock, they put the older stuff on sale. New furniture designs tend to be released in spring and fall, which means the best sales happen at the end of the winter and summer seasons.

So for indoor furnishings like beds and couches, shopping at your local furniture stores in January/February and July/August and paying special attention to any seasonal or holiday sales may offer decent savings on the cost.

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Outdoor Furniture

Outdoor furniture, on the other hand, tends to be released in the late winter and spring between February and April. Shoppers might consider the earlier part of that range the best time of year to buy furniture for outdoor spaces in plenty of time for the long, sunny days of summer.

However, furniture shops also generally want to have that stock off their floor by August, which means there are usually some great outdoor furniture sales to shop over the summer and particularly towards early fall.

Custom Furniture

Having a piece (or three) hand-built to your specifications can bring your interior design dreams to life. However, on-demand, custom-built furniture typically costs more and is less likely to go on sale the way ready-made furniture does.

That said, buying custom furniture can be better for your budget in the long run if it means you won’t be itching to change your furniture again in a couple of years — or if it means your furnishings are of higher quality and, hopefully, a longer life. Plus, buying custom designs from a small business, or even an individual crafter, can feel more rewarding than purchasing something from a big-box store.

Recommended: Budgeting for Basic Living Expenses

Furniture Shopping on Holiday Weekends

As is true of many major purchases, holiday weekends and annual sales can offer excellent opportunities to buy furniture on the (relatively) cheap. Some holidays that routinely bring furniture sales include:

•   Presidents Day

•   Memorial Day

•   Fourth of July

•   Labor Day

•   Black Friday and other winter holiday sales events.

Many retailers offer regular sales in addition to these events, so it’s always a good idea to watch for promotions. Signing up for the store’s email newsletter can help keep you apprised of their ongoing sales events, and many dealers also offer clearance stock year-round that could be worth perusing.

Recommended: 25+ Tips for Buying Furniture on a Budget

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General Furniture-Buying Tips

No matter what time of year you shop for your furnishings, the following tips can help you find a good deal and get the most for the money you do spend.

You can also benefit from them if you’re budgeting to buy a house and putting in offers; you want to get the best possible price if you’ll be filling a home with new furniture.

Being Patient

Furniture — especially furniture you want to keep around for a decade or longer — is a big purchase. It’s worth waiting to find the right piece rather than dropping a bunch of money on one that’s only okay.

If you’re furnishing your new home for the first time and need something fast, consider visiting a local thrift shop or surfing Craigslist. You might be able to find an inexpensive, pre-owned piece that’s only temporary, but still workable — and won’t eat too much into your budget.

💡 Quick Tip: When you overdraft your checking account, you’ll likely pay a non-sufficient fund fee of, say, $35. Look into linking a savings account to your checking account as a backup to avoid that, or shop around for a bank that doesn’t charge you for overdrafting.

Shopping Around

With so many design aesthetics and price points to choose from, furniture shopping is not a time for brand loyalty. You likely shop around for the best deals on groceries or when looking to switch bank accounts, so apply the same principle here. Shopping around at different dealers can help you find the best deal for your needs, but also give you more ideas and inspiration when it comes to creating a cohesive look for your home.

Recommended: Passive Income Ideas to Build Wealth

Consider Shopping Online

Online shopping for furniture can open a whole new world of color and design options. Some discount furniture retailers don’t offer physical storefronts, which can make shopping a little tricky. Choosing certain pieces of furniture, like couches and armchairs, for example, may be easier if you try them before you buy them.

Many online furniture retailers do offer return policies, which can help make your purchase less stressful, knowing that if it doesn’t work out, you’re not stuck with the product. And at online stores that do have brick-and-mortar locations, you could visit in person, try out a certain model, and then order online later, which may give you a better opportunity to compare the pieces you’re considering side-by-side.

Asking About the Warranty

Since furniture does tend to be a major expense, you want to make sure it’s built to last and has some guarantee to go with that. Many furniture sellers do offer warranties (just as some home warranties exist), and the fine print may also specify what the return policy is. In short, it’s worth getting familiar with.

💡 Quick Tip: When you feel the urge to buy something that isn’t in your budget, try the 30-day rule. Make a note of the item in your calendar for 30 days into the future. When the date rolls around, there’s a good chance the “gotta have it” feeling will have subsided.

The Takeaway

Shopping for furniture during certain times of the year can help you save money on a potentially expensive project like furnishing your home. When budgeting to buy a house, furnishings are just one of many things to save for, so it’s a goal that might take a backseat to expenses that are essential to homeownership, like the down payment and monthly mortgage, among others.

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SoFi members with direct deposit can earn up to 4.40% annual percentage yield (APY) interest on Savings account balances (including Vaults) and up to 0.50% APY on Checking account balances. There is no minimum direct deposit amount required to qualify for these rates. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 7/11/2023 There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com

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Apache is functioning normally

July 7, 2023 by Brett Tams

Memorial Day is known as a great time to score deals on big-ticket items or to make any smaller purchases that you may have been putting off.

Many retailers will start discounting items the Friday before Memorial Day, so you’ll have a whole weekend to shop. Here are the best deals this year!

What’s Ahead:

Best all-around Memorial Day deals

  • Walmart – Save up to $1,000 on Samsung TVs; get discounts on patio and garden, toys, clothing, home improvement, pets, beauty, and more.
  • Amazon – The Memorial Day sale features summer savings deals from outdoor living, cooking, and barware to electronics and beauty.
  • Macy’s – Get 20%-60% off furniture, rugs, and mattresses, plus a free box spring or adjustable base with a qualifying purchase. Save 20% to 50% off select clothing styles, plus get an extra 20% off kids’ and baby clothes with the offer code CUTE. 
  • JCPenney – The sale features up to 50% off mattresses, 40% off furniture, and up to 50% off home items, plus additional coupons on clothing, jewelry, and portraits. 
  • Target – Save up to 25% on furniture, lighting, and home decor; save up to 20% on bedding and up to 15% on patio furniture, plus get free same-day shipping on orders over $75 through May 31. 

Appliances

Find fantastic deals on large and small appliances, from refrigerators and washing machines to Roombas and coffee makers. 

  • Lowe’s – Save up to $500 on qualifying appliances, plus find Memorial Day deals on everything from small appliances and patio furniture to grills, tools, and home improvement. Get free local delivery on appliances when you spend a minimum of $299.
  • Best Buy – Save big on major appliances during the Memorial Day sale. Don’t forget to take advantage of the Price Match Guarantee. 
  • Home Depot – Snag appliances up to 30% off, and find discounts on lawn equipment, power tools, home improvement items, and more during the Memorial Day savings event. 

Mattresses

May is the best time to buy a new mattress. New models come out in the Spring which makes Memorial Day weekend sales the prime time for a mattress upgrade.

  • Avocado Green Mattress – Save $100 on green and vegan hybrid mattresses with the code HONOR through June 7. 
  • Birch – Get $200 off, two free Eco-rest pillows, and free delivery with code MEMORIALDAY200. 
  • Casper – Get 15% off mattresses, 10% off everything else, and 50% off final sale items.
  • Cocoon by Sealy – Save 35% off mattresses, plus free pillows and sheets during its biggest sale ever; the sale ends May 31.
  • DreamCloud – Get $200 off mattresses, plus $399 worth of accessories included; the sale ends May 30.
  • Haven – All mattresses are 50% off storewide, plus 30% off accessories. 
  • Helix – Take up to $200 off mattresses, plus receive two free Dream pillows. 
  • Mattress Firm – Take up to $500 off mattresses and receive a free adjustable base on a queen mattress purchase of $699 or more by using the code ELEVATE. 
  • Nectar – Receive free pillows, sheets, and a mattress protector —a $399 value— with a mattress purchase.
  • Purple – Receive up to $400 off a mattress, pillow, sheet, and mattress protector bundle.
  • Puffy – Get $300 off plus two free pillows with every purchase.
  • Serta – Save up to $1,000 off a mattress and base through June 7. 
  • Tempur Pedic – Save up to $500 off select adjustable mattress sets. 
  • Tuft & Needle – Save up to 20% sitewide through May 31. 

Electronics and gaming

Aside from Black Friday, Memorial Day is one of the best times of the year to snag discounts on televisions, computers, smartwatches, games, and other electronic devices. 

  • Dell – Get deals on PCs, laptops, monitors, and more during its summer sale event. 
  • HP – Save up to 47% on select products, plus get limited-time deals daily. 
  • Xbox – Get three months of an Xbox Game Pass subscription for $1. 
  • Best Buy – Snag big-screen 4K TVs starting at $279; save up to $200 on Windows laptops.
  • Microsoft – Score a variety of discounts on a Surface, save up to $500 on select PCs, or cash in discounts on Xbox accessories.

Furniture, home decor, and improvement

If you’re looking to freshen up your home, now is the time to stock up on home goods, tools, and any remodeling supplies. 

  • Overstock – Overstock’s Memorial Day Blowout Sale features up to 70% off thousands of items, plus free shipping on everything.
  • Pier 1 – Pier 1’s Memorial Day sale includes up to 50% off rugs, lighting, indoor and outdoor furniture, and home decor. Plus you can bundle a variety of candle fragrances for 15% off. 
  • Wayfair – Snag deals up to 70% off during the Memorial Day clearance.
  • American Signature Furniture – Up to 20% off and 48 months of promotional financing. 
  • Society6 – Their Memorial Day sale features 40% off wall art, 30% off home decor, and more.
  • Bed Bath & Beyond – Save up to 25% on outdoor furniture, decor, and kitchen appliances. 
  • Ace Hardware – Discounts on lawn care and equipment, grills, patio furniture, and power tools through May 31.
  • Costco – Member-only savings include deals on patio furniture, mattresses, appliances, and electronics through June 13. Save an additional $150 when you buy two qualifying items for your home.

Clothing

Spring and summer clothing sales are upon us, and it’s the perfect time to give your closet a refresh. Find winter apparel on clearance and save on spring and summer fashions. 

  • ModCloth – 30% off sitewide, plus an extra 50% off sale items.
  • Nike – Get up to 40% off on markdown items. 
  • Victoria’s Secret – Save 30% to 70% off more than 1,800 styles. 
  • Old Navy – Save up to 50% off storewide with styles as low as $5. 
  • Men’s Wearhouse – Get up to 85% off original prices. 
  • Zappos – Save up to 30% off footwear, clothes, bags, and accessories. 
  • Banana Republic – Receive an additional 50% off sale styles and 30% off regularly priced items.
  • Bloomingdale’s – Save 60%-70% off some clearance items plus save 30-50% off select clothing styles. 

Outdoor

Prepare for a summer of fun by loading up on any outdoor equipment you might need.

  • Bass Pro Shops – Its outdoor sale runs from May 20 to June 2 and features discounts on tents, fishing gear, yard games, clothing, and camp furniture.
  • REI – Memorial Day coincides with its big anniversary sale. The deals include 30% off clothing, 50% off Nalgene water bottles, and 25% off select outdoor gear. 

How to save more on Memorial Day

According to Consumer Reports, May is the best month to buy air conditioners, freezers, grills, mattresses, strollers, smartwatches, lawn equipment, and other home improvement and decor items. 

The deals don’t stop at the Memorial Day sale. Many retailers will offer additional discounts on top of sale prices if you sign up for a rewards program, email updates, or a store credit card. You may also snag a promo if you’re a student or if it’s your first order.

Poke around to see if you can find any promotional offers and pay attention to any pop-up ads so you don’t miss an opportunity to save money on your purchase. Usually, a sales representative will ask you to sign up if you’re physically in a store, but you can ask during checkout if not. Some businesses may not let you combine coupons while others do. Either way, it’s worth a try to rack up savings.

Furthermore, big-name retailers like Best Buy offer a price match guarantee, so shop around to see if you can find a product cheaper elsewhere before you buy it. That way you know you’re getting the best deal around. 

Summary

Memorial Day weekend is one of the best times of the year to go shopping. Just about every retailer will offer promotions, and you’ll score the deepest discounts on appliances, mattresses, and seasonal goods. Add more savings to your purchases by signing up for a rewards program or by taking advantage of price match guarantee promotions. 

Read more:

Source: moneyunder30.com

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Apache is functioning normally

July 4, 2023 by Brett Tams

Believe it or not, you can go to Disneyland when it’s not crowded.

If you’ve been there, this may not seem possible — especially if you’ve visited only on the weekend or during summer. But there are ebbs and flows to crowds at Disney parks. Depending on how you like to travel, whom you’re traveling with and what your budget is, the best time to go to Disneyland will differ.

Let’s look at when’s best for you, no matter your travel situation.

For first-timers

As you may expect, Disneyland Park is the original; it opened in 1955. The park contains Sleeping Beauty Castle and fan favorites such as Pirates of the Caribbean, Space Mountain and Haunted Mansion.

Disney California Adventure Park, meanwhile, opened in 2001. Originally modeled after the various landscapes you’d find within California, the park has since seen significant retheming and now contains a land dedicated to the “Cars” movie, one focused on Marvel movies and a pier based on Pixar’s films.

If this is your first visit, you’ll want to do your best to experience everything. We recommend a minimum of two days: one for each park.

You’ll want to consider nonpeak periods when the resort is less crowded to maximize your time. Generally, Disney is extra busy and crowded during the following periods:

  • Spring break: typically late March and April.

  • Holiday weekends: Memorial Day and Labor Day.

  • Summer: mid-June to the end of August.

  • Halloween and weekends in October.

  • Thanksgiving week.

  • Winter break: second half of December through New Year’s Day.

Though you may find periods that are busy outside these windows, these are the big ones you’ll want to avoid. It will be difficult to deal with the crowds, and you’ll probably pay a premium for hotels and accommodations.

For families

If your children are school age, you may be limited as to when you can visit Disneyland. This means you may end up at the parks during peak periods.

Though it’s not possible to avoid crowds, there are still times that can be better than others.

This is thanks to some of the special events Disneyland puts on. These include Princess Nite and the Oogie Boogie Bash, both of which take place after the park closes (the park closes early to accommodate these parties).

The Oogie Boogie Bash is especially popular for kids because of the unlimited trick-or-treating. There are also character meet-and-greets, a special parade and the ability to ride all the standard rides.

For crowd-haters

Listen, we dislike crowds, too. There’s a reason entire websites are dedicated to figuring out when Disneyland will be crowded. If this is you, do yourself a favor and visit only during the offseason.

Though it isn’t often that you’ll find hardly anyone at the Disneyland Resort, there are some times when it will be as close to empty as possible.

This includes many weekdays throughout the year, especially during January, February and March.

It’s also relatively empty at the end of August before Labor Day weekend brings huge crowds. September as a whole is also empty, as is the two-week period after Thanksgiving before winter break starts.

For the frugal traveler

A visit to Disneyland can be pricey, especially if you need to travel in from out of town. Disneyland operates a dynamic pricing structure that’ll charge you from $104 to $179 for a one-day ticket.

To find the cheapest days, you’ll want to check out the price calendar. Typically, periods of least demand — those with the lowest ticket prices — also coincide with the lowest cash prices for flights and hotels.

You may also want to consider using points and miles to keep costs down. Several chain hotels are within walking distance of Disneyland, including Hilton, Hyatt, Marriott and IHG, which makes redeeming your points easy.

Disneyland is near six airports in Southern California, making it easier to find flights on all major airlines. With so many options, it shouldn’t be difficult to find a way to redeem your miles.

For adults

Disneyland isn’t just for children. Though many of its attractions are meant to appeal to little ones, Disneyland also has adult-oriented activities. Disney California Adventure is a great example, with refined eateries and plenty of different drinks to sample.

The park also offers a rotating selection of festivals throughout the year, featuring pop-up pavilions. These pavilions provide limited-time food and drink offerings and are popular with adult parties.

Disneyland also offers nighttime events that are great for adults, including Sweethearts’ Nite, Throwback Nite, Pride Nite and Star Wars Nite.

The best time to visit Disneyland, recapped

The best time to visit Disneyland will depend on whom you’re traveling with, your preferred travel style and your budget. After all, you’re not going to be looking for the same entertainment options with your adult friends as you would if you’re traveling with your children.

No matter when you decide to travel to Disneyland, you’ll be in good company. Just don’t forget to grab yourself a churro.

(Top photo courtesy of Disneyland Resort)

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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Apache is functioning normally

June 24, 2023 by Brett Tams
Apache is functioning normally

One of our favorite events of the year is touring the San Francisco Decorator’s Showcase home. It’s almost like the Fashion Week of interior design where designers from all over the Bay Area come together to exhibit their talents all under one roof literally!. This year’s location is a beautiful historic home designed by famed Bay Area architect, Julia Morgan. Located in Presidio Heights, the home overlooks the Presidio boasting expansive views of the Bay and that mighty fine looking Golden Gate Bridge of ours!

Since each room is designed by a different designer, you’re hit with all types of styles, tastes and interior inspiration. There was so much visual interest to take in, it was hard to even find time to blink. We could have easily spent several hours exploring and we still would have missed some killer details—it was just that stunning.

While there was an overload of inspiration to report back on, here were some of our biggest trend takeaways the rest you’ll just have to go see for yourself!:

1. Green is Gold. Various shades of green were used as the wall color choice for several rooms, but we were especially obsessed with the look of the matte, Hunter Green walls of Will Wick’s master bedroom. The color seemed to shift dramatically depending on which way the light hit the room—adding an additional layer of drama to the space’s already edgy feel. The use of all sorts of green hues throughout the home proved just how dynamic the color can be and for that reason it earned a spot at the forefront of our minds for future decorating projects like this one!.

2. Embrace Destruction. While a lot of interior design has a tendency to be super pristine and polished and spendy!, we love the look of subtle imperfections that give a room character and a sense of realness. Brittany Haines of Authenticity B layered in that sense of “realness” for the Showcase home’s office space. From a desk made from charred wood to a worn, lightly frayed antique rug, the room embraced life’s natural “wear and tear” to create an utterly sophisticated, yet still super approachable look.

3. Walls as Art. Of course we’re familiar with the concept of hanging art on walls, but Cecilie Starin took the idea to another level by commissioning Bay Area muralist Ian Ross to create a custom-painted, canvas wallpaper. Suddenly the walls themselves became the work of art! The organic, energetic lines of the hand painted walls played perfectly with some insanely badass gold accents to create a jaw-dropping look that can’t even be summarized with words.

These were just the tip of the iceberg when it comes to the all the design happenings going on inside the 2015 Decorator Showcase house. It’s truly a must-see for any design fiends in the Bay Area. The house itself will be open for viewing through Memorial Day weekend so be sure to check it out for yourself if you’re in town! You can find all of the details on the Decorator Showcase website. If you’ve already visited, we’d love to know what design detail caught your eye!

image 1& 2 by Patrik Argast // 3 &4 by Bess Friday // 5 via Cecilie Starin // 6 by Ali Hartwell

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Source: apartment34.com

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Apache is functioning normally

June 22, 2023 by Brett Tams
Apache is functioning normally

June mortgage outlook

The economic outlook is hazy any month of the year, but June’s uncertainty is murkier than usual. The unpredictability is driven by two unknowns: the fate of the federal government’s debt ceiling and what the Federal Reserve will do at its June 13-14 monetary policy meeting.

Mortgage rates could rise through the first half of June, then level off or fall in the second half after the market digests the results of the mid-month Fed meeting. This forecast assumes that the debt ceiling issue will have been resolved before a government default. A default would push mortgage rates higher.

In a default, all bets are off

Sometime in the first two weeks of June, the federal government could run out of cash to pay all its bills, according to the Bipartisan Policy Center, unless policymakers successfully address the debt limit. But the think tank adds a note of complication: It says the Treasury might be able to avoid running out of money until July or even early August if enough tax receipts come on June 15 and it delays some pension contributions.

Uncertainty over the debt limit — including how long the global markets will have to hold their breath waiting for a resolution — does nothing to relieve mortgage rates and could push rates higher until the situation is resolved.

If policymakers don’t act in time and the federal government can’t pay all its bills, “a default on our debt would produce an economic and financial catastrophe,” Treasury Secretary Janet Yellen said in a February speech before the National Association of Counties. Interest rates for all types of loans would be expected to rise, and some predict mortgage rates would spike.

The Fed is meeting either way

The Federal Reserve‘s next step adds yet another element of unpredictability. The central bank’s monetary policy committee is scheduled to meet on June 13 and 14. At the start of the Memorial Day weekend, the futures market was signaling a roughly 3 in 5 chance that the Fed would raise short-term interest rates by a quarter of a percentage point.

In the run-up to the meeting, mortgage rates might rise as investors hedge the possibility of a Fed rate increase. But if the central bank keeps short-term interest rates unchanged, we could see mortgage rates settle lower, in the financial markets’ version of a sigh of relief.

What other forecasters say

Fannie Mae’s economic and housing outlook for May predicted “a modest recession beginning in the second half of this year,” brought on by higher interest rates engineered by the Fed. However, it expects mortgage rates to start dropping in the second half of the year.

Freddie Mac isn’t predicting a recession but forecasts slower economic growth and higher unemployment. “In this scenario, long-term interest rates move largely sideways, staying in a range similar to where rates are today, perhaps moving up or down by around half a percentage point,” it said in its May economic, housing and mortgage market outlook. By “long-term interest rates,” Freddie is mainly talking about mortgages.

The Mortgage Bankers Association and the National Association of Realtors join Fannie in predicting a decline in mortgage rates starting in the second half of 2023 and continuing into 2024.

What happened in May

At the end of April, we predicted mortgage rates had “room to fall in May as the end draws near for this cycle of Federal Reserve rate increases.”

But they didn’t find room to drop. Persistent inflation, the prospect of a Fed rate increase on June 14, and anxiety about the debt ceiling nudged mortgage rates higher. The 30-year fixed-rate mortgage climbed about one-quarter of a percentage point from the first week to the fourth week of the month to almost 7%.

Source: nerdwallet.com

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