It’s a big day at Get Rich Slowly HQ. Later this morning, I’ll speak with my book editor for the first time. This project is about to devour large chunks of my life. Fortunately, the new Staff Writers will pick up the slack. (Actually, to be fair, I think they’ll more than pull their own weight.) Here, then, is the first contribution from Adam Baker, Get Rich Slowly’s first-ever Staff Writer!
Receiving a “mini-windfall” of unexpected income is an awesome feeling! However, I have a confession to make. Courtney and I are terrible at handling how we spend these pleasant surprises. More times than not, we find it insanely easy to justify squandering this unexpected money on impulse purchases, even when the rest of our budget is working well.
For the most part, we’ve slain the “justification” monster in our budgeting life. We’ve desperately attempted to eliminate the “I deserve this…” mentality. However, when it comes to “mini-windfalls”, somehow we seem to always break down.
I’m referring to the $40 in the birthday card from a relative. Or the extra $125 you made selling some stuff at the neighbors garage sale last Saturday. Even miscellaneous income from side jobs would fall into this category if not included in your normal budget.
You can see this phenomenon amplified during two specific times of the year in early February and late April. Why? Those are the peak times for income tax refunds. While preparing taxes this year,I listened to countless people tell me what they would be doing with their “unexpected” money. We aren’t the only ones who are quick to justify non-budgeted impulse purchases with windfalls of this sort.
Income is Income is Income…
If we are being blunt, it shouldn’t matter if the money comes in the form of a bi-weekly corporate paycheck, a quirky birthday card, or a instant tax refund chain. Once the money is in our hands or hits our bank accounts, it all spends the exact same.
As a kid, I remember watching my father mix all of the food on his plate together before eating it. In response to my stares, he would always repeat, “It all ends up in the same place, anyway.”
While you can’t really argue with that logic, many would be quick to point out that they enjoy the different contrasting tastes. They enjoy the process of selecting what the next bite will be. They don’t want to just combine everything together.
While some may be able to effectively treat all income equally, most of us have some sort of internal struggle. It seems like no matter what the amount of the unexpected income, I can always match it up to something I’ve been wanting forever. It’s a nasty financial habit. One that I’ve honed with many years of practice.
Striving for Conscious Spending
Let me be clear. It’s perfectly fine to spend on wants. It’s a great idea to “blow” money from time to time. But if we aren’t conscious about how we handle this process, it can spiral out of control.
Courtney and I realized that we needed to establish parameters on how to deal with this sort of income before it actually arrived. We weren’t against allocating a portion of it to indulge our wants, but we did want control over the situation.
If we were going to “blow” money, I at least wanted a say in it. We no longer had interest in letting our whims have free rein over this portion of our income.
Two Strategies to Buck the “Justification” Habit
As I pointed out above, ideally we could just treat all income equally. We’d budget it all the same and allocate the “unexpected” in the same fashion as our normal paycheck. In practice, however, many of us still find ourselves compelled to splurge.
Here are two simple strategies that have helped us reestablish control:
Choose one specific, tangible goal to “catch” all extra income. The key is to select a specific goal ahead of time. For example, many choose to immediately throw any non-budgeted income at their debt. Once they’ve established what order they will pay off their debt, they simply apply all extra money as soon as it appears. This can also work for other goals, such as paying cash for your dream car or saving for a down payment on a house. My experience has been that if you pick a compelling goal, you’ll be inspired to find even more ways to increase your “unexpected” income. A worthy side benefit of this tactic.
Allocate a pre-determined percentage to “blow” money. This system is commonly used with larger windfalls (inheritance, sales of major assets, etc…), but can be applied to the smaller ones, as well. For example, you may choose to allocate 50% (with smaller windfalls) of any non-budgeted income to be spent as “blow” money, while they other 50% is either funneled into the normal budget or put towards a specific goal (as above). This tactic also can motivate you to find more ways of generating income. After all, the more side income you bring in the higher the percentage you get to apply towards personal wants.
Keep in mind, that neither of these tactics is going to completely solve the issue. I’m not a big fan of outsourcing responsibility onto a system of some kind. However, experimenting with these two techniques has helped me maintain control over an area that is a reoccurring weakness.
Once again, it’s all about consciousness. I feel empowered when I consciously choose how I treat all income that comes into our life. Even if I choose to spend it in the same way, I like knowing I’m in control.
How do you handle unexpected income in your life? Do you lump it all together or have you designed a specific system to handle it? What techniques do you use maintain control?
Inside: Are you looking for a remote job? This guide will help you find the best remote jobs for college students, with information on industries, pay, hours, and more.
The internet has made it possible to work from anywhere in the world.
This is great news for college students who want to earn some money while they study.
Back when I was in college, working remotely wasn’t even considered a possibility. But, now, there are a number of online jobs available that are perfect for college students.
In addition, remote jobs are one of the best ways for college students to make money and gain experience.
With a remote job, you can work from anywhere in the world, which is perfect for students who want to travel or live at home with their parents while transitioning to and from a college campus.
There are many different types of remote jobs available, so there is sure to be something that suits your skillset and interests.
In this article, we will explore the best remote jobs for college students.
How can a college student make money remotely?
Remote work has become increasingly popular among college students and for good reason.
Many students today have grown up with technology and possess the skills necessary to excel in remote jobs.
Not only does remote work provide a flexible schedule that can be easily adjusted to accommodate class schedules, but it also offers numerous benefits such as the ability to work from anywhere, reduced transportation costs, and the opportunity to contribute to environmental sustainability by reducing carbon emissions.
Additionally, remote work allows students to earn extra income, potentially reducing their reliance on student loans and minimizing post-graduation debt.
Can I work remotely in college?
Yes! Working remotely in college can be a great way to earn some extra money and gain some work experience.
Remote work has gained immense popularity across the globe, with its adoption nearly doubling since the pandemic.
As college students, you often possess the necessary tools for remote work, such as a laptop, making it a convenient option for them.
This is a great idea if you are looking at how to pay for college without loans.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
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The 15 best remote jobs for college students
Working remotely is a great way for college students to earn money and gain experience in their chosen field.
Whether you are looking for a way to make some extra money, or maybe you need a flexible job that will fit around your studies. Whatever the reason, there are plenty of remote jobs out there that could be perfect for you.
Also, you can review these non phone work from home jobs for more ideas.
Here are 15 of the best remote jobs for college students.
1. Virtual Assistant
A virtual assistant is one of the best remote jobs for college students due to its versatility and learning opportunities. Plus there are plenty of virtual assistant jobs with no experience out there.
As the demand for remote administrative support services continues to grow, virtual assistants play a crucial role in helping companies and individuals with various tasks. Working from a remote location, virtual assistants provide administrative assistance by handling phone calls, scheduling appointments, managing emails, and more.
By finding a position as a virtual assistant in their desired industry or with a respected professional, students can make their side hustle more beneficial to their future.
Benefits:
Provides an opportunity to gain professional experience and develop essential skills such as communication, time management, and resourcefulness.
Requires quick thinking and the ability to switch between diverse tasks, which enhances cognitive flexibility and adaptability.
Allows students to learn about different industries and gain insights into their chosen career paths.
Pay: Most virtual assistants average about $20 an hour.
2. Online Tutor
Online tutoring is widely regarded as one of the best remote jobs for college students. With its flexibility and convenience, it offers students the opportunity to work from anywhere at their own pace.
Whether they excel in a specific subject or want to gain teaching experience, online tutoring provides a platform for college students to share their knowledge and help others succeed academically.
Benefits:
A high degree of flexibility it offers.
Freedom to choose their own hours, instruction topics, and the number of students they want to work with.
Balance their tutoring responsibilities with their academic commitments, ensuring they can effectively manage their time.
Pay: Although the reported median hourly wage for tutors was $17 an hour. The actual pay can vary depending on factors such as the subject being taught, the level of expertise required, and the platform through which tutoring is conducted.
3. Proofreader
Proofreading is a crucial role in the final stages of the written content production process, making it one of the best remote jobs for college students. A proofreader possesses a keen eye for detail and a strong command of the language, allowing them to identify and rectify errors that may have eluded the writer or editor.
They play a vital role in ensuring the accuracy, clarity, and coherence of written materials across various industries.
Benefits:
Offer the flexibility to work from anywhere, making it ideal for college students who need to balance their studies with work.
Enhances skill development such as language skills, attention to detail, and critical thinking abilities, which are valuable in various fields.
Networking opportunities to build professional connections and expand one’s network.
Pay: The average pay for proofreading jobs is $22 per hour, providing college students with a valuable source of income.
4. Social Media Manager
In today’s digital world, social media has become an essential tool for businesses to connect with their target audience, build brand awareness, and drive engagement. With the increasing importance of social media, businesses are in need of skilled professionals who can effectively manage their social media presence.
This makes the role of a social media manager one of the best remote jobs for college students, providing them with the opportunity to earn money while gaining practical experience in online promotion.
Benefits:
Enjoy being paid to be on your favorite social media apps.
Ideal remote job for college students due to its flexibility.
Gain practical experience in online promotion, which can be valuable for those studying marketing, journalism, or communications. Benefits:
Pay: The pay for social media management can vary significantly, but you can expect $15 an hour to $25 an hour.
5. Freelance Writer
Remote writing jobs are an excellent option for college students looking to earn extra income while honing their writing skills.
As writers, college students have the opportunity to create a wide range of written materials that can be distributed through various channels, such as articles, blogs, website copy, and more.
The demand for remote freelance writers is high, making it a popular choice among college students seeking flexible work options.
Benefits:
Freelancers can work on short and long-term projects.
As long as you have a computer and internet connection, you can work from anywhere.
Showcase writing skills and earn income.
Pay: The pay for freelance writers is by the word (.01-$1.50 per word). With most freelance writers averaging about $29 an hour.
6. Social media influencer
Social media influencers have become a prominent and lucrative career option in today’s digital age.
For college students, becoming a social media influencer can be an excellent remote job opportunity that allows them to leverage their online presence and pursue their passions while earning money.
To stand out as a social media influencer, it’s essential to create content that is visually appealing and captures the attention of your audience. Experiment with different types of content, such as photos, videos, stories, and live streams, to keep your followers engaged.
Benefits:
Be creative, and authentic, and share valuable information or entertainment that aligns with your niche.
Foster a sense of community.
Monetize your social media presence with sponsored posts, brand partnerships, and affiliate marketing.
Offers flexible working hours, allowing you to manage your studies and other commitments effectively.
Provides opportunities for personal branding and networking, which can open doors to other remote job opportunities in the future.
Pay: Potential for high earnings. This is more passive income than an hourly job.
7. Website or App Tester
Website and app testing is a highly sought-after remote job option for college students due to its flexibility and the opportunity to gain valuable experience in the tech industry.
As designers and developers strive to create the best user experience possible, they often hire individuals to find bugs and issues in their websites and apps. The role of a website or app tester is crucial in ensuring the functionality and usability of these digital platforms.
This feedback is invaluable for designers and developers as it allows them to make necessary improvements and optimize the performance of their websites and apps.
Benefits:
Excellent opportunity for college students to develop and showcase their skills in a professional setting.
Gain practical experience in the tech industry while balancing their academic commitments.
The flexible hours offered by these remote positions allow students to work at their own pace and manage their time effectively.
Pay: Platforms like UserTesting offer a payment of $10 per website tested. You can also find remote hourly wages ranging from $12 an hour to $16 an hour, with potential bonuses based on quality and productivity goals.
8. Video Editing
With the increasing demand for video content across various platforms, video editors play a crucial role in creating engaging and impactful visuals. This profession offers the opportunity to work from anywhere, making it ideal for college students who may have limited availability or prefer a flexible work schedule.
By adhering to the overall video brand messaging strategy, you can shape the final product and captivate the audience. This creative aspect of video editing allows college students to explore their artistic talents and develop their skills in storytelling and visual communication.
Benefits:
One of the key advantages of video editing as a remote job is the ability to work from any location.
Provides a platform for creative expression.
Video editing is a profession that is in high demand.
This high demand translates to a wide range of job opportunities and the potential for steady work, even for college students.
Pay: When it comes to money, beginner video editors can typically charge up to $45 an hour. However, it’s worth noting that rates can vary depending on factors such as experience, the complexity of the project, and client’s budget.
As college students gain more experience and build a strong portfolio, they can potentially increase their rates and earn a higher income from video editing projects.
9. Remote Research Assistant:
Many professors and researchers hire remote research assistants to help with data collection, literature reviews, and other research tasks. This type of job requires strong research and analytical skills, as well as the ability to work independently.
As a research assistant, you will have the opportunity to delve deeper into a specific subject or area of interest.
This can be particularly beneficial if you are considering pursuing further education or a career in that field. By immersing yourself in research projects, you will gain a comprehensive understanding of the topic and develop expertise that can set you apart from others.
Benefits:
Opportunity to work closely with experienced researchers and professionals in your field of interest.
Gain valuable insights, knowledge, and skills that can enhance your academic and professional development.
Learn research methodologies, data analysis techniques, and critical thinking skills that are highly transferable to future career opportunities.
Hands-on experience in conducting research projects.
Build a network of professional contacts in your field.
Depending on the nature of the research projects you are involved in, there may be opportunities to contribute to academic publications or presentations. This can be a significant achievement that adds to your academic portfolio and demonstrates your research skills to potential employers or graduate school admissions committees.
Pay: Compensation for remote research assistant positions varies depending on the project and the level of responsibility. This is a great way to be paid to go to school.
10. Audio Transcription
Audio transcription is a popular remote job for college students that involves listening to audio files and accurately transcribing the spoken content into written form. Additionally, it provides an opportunity to develop valuable skills such as speed and accuracy in typing, excellent listening skills, and efficient time management.
Determine the type of transcription work you want to specialize in, such as technical legal transcription or educational podcast transcription. This will help you target specific clients and tailor your skills accordingly.
Benefits:
Offers flexibility in terms of scheduling, allowing students to work around their classes and other commitments.
Opportunity to develop valuable skills such as listening, typing, and time management, which can be beneficial in various professional settings.
Create a portfolio showcasing your transcription skills and experiences.
Pay: Transcription can be a well-paying job, with freelancing gigs offering up to $0.36 per minute of transcribed audio.
11. Data Entry
Data entry is a popular remote job option for college students due to its flexibility and convenience.
This role involves managing electronic data by entering and updating information in computer systems. It is a job that can easily be done remotely, allowing students to work from the comfort of their own homes or dorm rooms.
However, it is important to be cautious when seeking data entry jobs online to avoid scams.
Benefits:
Minimal specialized skills are required.
Data entry skills can also be beneficial for future career opportunities.
Employers often value individuals with data entry skills, as it showcases their ability to handle and organize large amounts of information accurately and efficiently.
Valuable experience in working with digital documents and databases.
Pay: The average pay for data entry is $18 an hour.
12. Virtual Recruiter
A virtual recruiter is a professional who is responsible for posting online job advertisements and searching for potential candidates to fill various positions.
This remote job opportunity can be particularly beneficial for college students as it offers flexibility in terms of working hours and allows them to gain valuable experience in the field of recruitment while still pursuing their education.
Benefits:
Collaborating with hiring managers and clients to understand their specific requirements and preferences for potential candidates.
This role provides hands-on experience in recruitment, which can be beneficial for your future career in HR or related fields.
Building relationships with candidates, hiring managers, and clients can expand your professional network and open doors for future opportunities.
Pay: The average pay for virtual recruiters is around $20 to $30 per hour, providing the potential for a lucrative income.
13. Blogger
College students can create their own blogs and build an audience by regularly posting content in a unique niche.
While this may not be the easiest route to make money fast, it provides an opportunity to showcase writing skills and develop a cohesive writing style. Once a blog gains a solid stream of visitors, it can be monetized through ads and affiliate links.
However, you will be starting a small online business which has its perks.
Benefits:
This is 100% passive income.
Works as much as you want or as little as you want on your site.
A simple way to help your readers while making money.
Your site can grow as you graduate college until you decide to sell it.
Pay: Various based on traffic and monetization. But it is an easy way to invest $100 to make $1000.
14. Course Creator
As a course creator, you have the chance to teach others about a topic or course that you are passionate about while earning a steady passive income. This job allows you to create online tutorials or how-to videos to educate and engage students from all over the world.
You will be responsible for creating and managing the content on your website and other online platforms. This includes developing blog posts, videos, podcasts, and other educational materials to enhance the learning experience for your students.
Make use of hosting platforms like Thinkific, Teachable, or Kajabi to facilitate easy access to course-related information for your students. These platforms offer features such as course management, student progress tracking, and payment processing, making it convenient for both you and your students.
Benefits:
Opportunity to earn a steady income while pursuing your passion and sharing your knowledge with others.
Working remotely offers flexibility in terms of working hours, allowing students to manage their time effectively and balance their studies with their job.
Gain valuable experience in content creation, marketing, and online teaching, which can greatly enhance their resume for future career opportunities.
Pay: This is a passive income job where you will put the work in upfront and have less ongoing maintenance to run your course.
15. Stock Trader
Stock trading is a lucrative and dynamic field that offers college students the opportunity to work remotely and earn a substantial income. With the rise of online trading platforms and the increasing popularity of investing, stock trading has become a highly sought-after skill in today’s market.
Honestly, I know more and more high school students waiting to turn 18, so they can start life as a stock traders.
As a stock trader, you will be responsible for buying and selling stocks, bonds, and other financial instruments for your own portfolio. This role requires a combination of analytical skills, market knowledge, and the ability to make quick decisions under pressure.
Continuous learning and staying updated on market trends and strategies are crucial to staying competitive in this field. I highly recommend taking the Trade and Travel course to learn the basics of stock market investing.
Successful traders can earn substantial profits, but it is important to note that trading also involves the risk of financial losses.
Benefits:
Stock traders have the potential to earn significant income through their trading activities. Learn how fast you can make money in stocks.
Flexibility to trade before class and work from anywhere with an internet connection.
Opportunity to work independently and be your own boss, setting your own schedule and goals.
However, it is important to acknowledge the challenges that come with being a stock trader. The stock market is highly volatile and unpredictable, requiring constant monitoring and adaptation to changing market conditions.
Pay: Various significantly with your profit /loss ratio. But, a great way to make $1000 a day.
16. Customer Service Agents
Customer service agent remote jobs are a great option for college students looking to gain work experience while studying. These jobs allow students to provide excellent customer service from the comfort of their own homes, offering flexibility and convenience.
Remote customer service agents interact with customers through various communication methods such as phone, chat, and email. They answer customer questions, solve problems, and direct customers to the appropriate resources when needed. These jobs can be done part-time, making them ideal for students with busy schedules.
Benefits:
Require little experience or education.
Develop valuable skills such as communication, problem-solving, and time management.
Showcase their communication skills to future employers, which is a highly desirable quality in any job.
Pay: Earnings can range from $10 to $25 per hour, depending on the role and experience.
17. Photography
Photography is a form of artistic expression that allows college students to showcase their creativity.
You can experiment with different styles, compositions, and subjects to capture unique and visually appealing images. This creative aspect of photography can be fulfilling and enjoyable for college students who have a passion for visual arts.
Benefits:
Choose when and where to take photos, giving them the freedom to balance their academic and personal lives effectively.
Build a portfolio of their best work. A strong portfolio can open doors to more significant opportunities in the future, such as exhibitions, collaborations, or even full-time photography careers.
Earn income while honing their skills in product, stock, or event photography.
When stock images are licensed, earn passive income from the sales.
Pay: When it comes to pay, the average rate for a photographer is $24 per hour. However, it’s important to note that pay can vary depending on factors such as experience, location, and the type of photography gig.
18. Virtual Internships
Virtual internships provide valuable work experience and allow you to gain industry-specific skills while working remotely. Many companies offer virtual internships in fields like marketing, finance, and technology.
Having an internship in the field you want to pursue is an invaluable opportunity to gain practical experience and enhance your career prospects.
Additionally, virtual internships can provide you with a unique perspective on the field you want to pursue (and if you still want to pursue it).
Benefits:
Gain relevant work experience in your desired career field.
Practical experience will not only enhance your understanding of the industry but also demonstrate your competence and dedication to potential employers.
Greatly strengthen your resume.
Build a network of contacts in your desired field.
Pay: These internships may be paid or unpaid, but the experience and connections you gain can be invaluable for your future career.
Looking for Online Summer Job?
There are a plethora of online summer temporary jobs available for college students. You just have to decide what is interesting for you to do.
Also, think about ways you can build your resume for future employment after graduation.
If I could go back to college, I would focus on learning how to make your money work for you. That is one of the best life skills you can truly understand.
This list above has plenty of options for you to consider.
Are you passionate about words and reading?
If so, proofreading could be a perfect fit for you, just like it’s been for countless of readers! Learn how you can create a freelance business as a proofreader.
Check out this free workshop!
Bookkeeping is the most stable, reliable & simple business to own. This is how to make a realistic income -either part-time or full-time.
Find out TODAY if this is THE business you’ve been looking for.
FAQ
Many colleges and universities have career centers or job boards that specifically cater to remote job opportunities for college students.
Networking is crucial for college students when it comes to finding remote job opportunities. Reach out to your professors, classmates, and alumni who may have connections or knowledge of job opportunities.
This is smart if you want to know how to move out at 18.
Remote work requires a unique set of skills that allow individuals to effectively perform their job duties from a distance. In order to succeed in a remote job, college students should possess the following skills:
Time management: Remote work often provides flexibility in terms of scheduling, but it also requires individuals to manage their time effectively. College students need to be able to prioritize tasks, set deadlines, and stay organized to ensure they meet their work obligations.
Communication skills: Since remote work involves limited face-to-face interaction, strong communication skills are essential. College students should be able to effectively communicate through various channels such as email, instant messaging, and video conferencing.
Self-motivation: Working remotely requires a high level of self-discipline and motivation. College students need to be able to stay focused and productive without direct supervision. They should have the ability to set goals, stay on track, and meet deadlines without constant oversight.
Adaptability: Remote work often involves working with different tools, technologies, and platforms. College students should be adaptable and willing to learn new software or applications that are necessary for their role.
Problem-solving: Remote work may present unique challenges and obstacles that require critical thinking and problem-solving skills. College students should be able to analyze situations, identify potential issues, and come up with innovative solutions. This skill is particularly important when faced with technical difficulties or communication issues.
By honing these skills, college students can position themselves as valuable assets to remote employers and increase their chances of securing remote job opportunities.
When you’re applying for remote jobs, most of the time your potential employer will want to see some kind of portfolio that showcases your skills and experience.
You can create a portfolio by using a free online portfolio builder or by creating your own website.
With a visually appealing and user-friendly portfolio, you can make a lasting impression and increase your chances of landing your dream remote job.
Which Online Jobs for College Students Are Interesting To You?
There are a lot of great remote jobs for college students out there!
With a little bit of research, you can find the perfect job for your skills and interests.
Be sure to consider the pay, hours, and industry when you are looking for a remote job as well as career advancement.
For many students, working in college is a must! Because you know how to pay for college without parents is hard.
So, use these ideas to find the right job for you whether it is part-time or full-time.
And if all else fails, check out this list of low-stress jobs that pay well without a degree.
Know someone else that needs this, too? Then, please share!!
Tampa, Florida, known as “The Big Guava” to locals, is a historic city in the greater Tampa Bay Metropolitan area, which consists of Tampa, St. Petersburg, and Clearwater. Originally a small town, the cigar industry helped put Tampa on the map. In the past few decades, the area has seen significant growth and has become known for its lovely beaches, rich history, and lively sports scenes. But is Tampa a good place to live? Luckily, we’ve got you covered.
If you’re looking at homes for sale in Tampa or apartments for rent and are considering making the move, this Redfin article is for you. We’ll dive into 10 pros and cons of living in Tampa to help you decide if the city is right for you.
5 pros of living in Tampa, FL
There’s a lot to love about living in Tampa, from pristine beaches to lively sporting events. Here are five of the best reasons to make the move.
1. Affordable cost of living
The cost of living in Tampa is relatively affordable,especially compared to other cities in Florida. Tampa’s housing costs, in particular, are cheaper than nearby cities and on par with the national average. For example, the median sale price of a house in Tampa is $425,900, compared to $560,000 in Miami and $550,000 in Fort Lauderdale. This helps make Tampa an attractive option for those looking for an affordable place to live in Florida near the coast.
If you’re looking to rent an apartment in Tampa, the average rent is $1,543 – which is just slightly above the national average.
2. Weather
Tampa’s climate is subtropical, which means mild, dry winters and hot, humid summers. Daily high temperatures rarely drop below 70 degrees Fahrenheit in the winter or rise above 100 degrees in the summer. If you prefer warm weather and year-round sun, Tampa’s climate will be perfect for you. This is especially true for those seeking refuge from colder northern climates.
3. Outdoor activities
Tampa’s location on the Gulf Coast of Florida means it has numerous beautiful beaches and coastal trails, including Clearwater Beach, Fort de Soto Park, and Archibald Beach Park. It also boasts many state parks and nature reserves, and is only a few hours from Everglades National Park. The bay and nearby rivers also provide ample opportunity for water sports such as boating, kayaking, and fishing.
4. Sports
Tampa is a sports lover’s paradise. It’s home to three major professional sports teams: the Buccaneers in the NFL, the Rays in MLB, and the Lightning in the NHL. Tampa also hosts the Outback Bowl for college football, has numerous golf courses and fishing spots, and is a haven for cyclists and runners looking for flat training days.
5. Community events
Tampa has a rich culture, making for a wide array of celebrations, events, and community get-togethers. There are dozens of popular annual events, many of which take place in the pleasant winter months. Some notable examples include the Gasparilla Pirate Fest, the Florida State Fair, Tampa Pride, and Winter Village.
5 cons of living in Tampa, FL
Like with any city, there are downsides of living in Tampa. Here are five to keep in mind.
1. Hurricanes
As a part of Florida, Tampa is susceptible to hurricanes, which are possible from June through November every year. These natural disasters can cause significant damage to property and disrupt daily life when they hit. If you do move to Tampa, make sure you prepare your home for a hurricane and understand your local building codes, evacuation routes, and emergency procedures.
2. Heat and humidity
While the warm weather is appealing to many, the intense heat and humidity of the summer months can be a drawback. It’s not uncommon for temperatures to reach into the high 90s with high humidity levels from June through August, with plenty of rainfall as well.
3. Traffic
As Tampa continues to grow, traffic congestion has become a more significant problem. In fact, it has some of the worst traffic in the US, and in 2022 was the 201st most congested metropolitan area. This is most notable during the morning and evening rush hours, and can add considerable time to commutes.
4. Bugs and wildlife
Florida’s warm and subtropical climate makes it home to a variety of bugs, including mosquitoes, palmetto bugs, and termites, which can wreak havoc on buildings and be an annoyance from day to day. Additionally, Florida is home to numerous unique animals, including the American alligator, Florida panther, and dozens of dangerous aquatic species.
5. Flat landscape
Tampa, like much of Florida, is very flat. In fact, Florida is the flattest state in the US, with the highest point sitting at just 345 feet above sea level. While this may not be an issue for some, if you enjoy hiking, mountain biking, and other mountainous outdoor activities, you will likely be disappointed.
The bottom line: Is Tampa a good place to live?
Living in Tampa has its share of pros and cons. The city offers an affordable cost of living, a vibrant cultural scene, along with pleasant weather and more. However, take into account factors like high humidity, hurricanes, flooding, and traffic congestion. In the end, the decision to call Tampa home depends on what matters to you.
Prepare for a fiery odyssey that will ignite your taste buds and test your spice tolerance to the limit. Fueled by unique varieties and the surge of the internet shows celebrating fiery hot sauces, the popularity of super spicy peppers has skyrocketed. Join us on a thrilling exploration as we uncover the secrets of the world’s hottest peppers, from the tongue-tingling jalapeño to the tear-inducing habanero.
1. Carolina Reaper
The Carolina Reaper, bred by South Carolina farmer Ed Currie, holds the title of the world’s spiciest chili pepper. With its vibrant appearance and deceptive fruity sweetness, it quickly reveals its fiery nature, delivering a scorching heat that lingers. Only the brave dare to experience its intensity, using it sparingly to add a thrilling kick to various dishes. The Carolina Reaper stands as a legendary pepper, pushing the boundaries of spiciness and leaving a lasting impression on the culinary realm.
2. Komodo Dragon
The Komodo Dragon pepper, created by Italian producer Salvatore Genovese, is a fiercely hot variety inspired by the mighty reptile. Released in 2015, it boasts a Scoville rating ranging from 1.4 million to 2.2 million. With its vibrant colors, wrinkled skin, and deceptive sweet and fruity flavor, this pepper gradually builds up to an intense heat. It is recommended for experienced spice enthusiasts and can be used sparingly to add a fiery kick to various dishes. The Komodo Dragon pepper is a thrilling culinary adventure for those seeking an extraordinary heat experience.
3. Chocolate Bhutlah Pepper
The Chocolate Bhutlah pepper is an exceptionally hot and rare chili variety. Created by Chad Soleski by crossing the Bhut Jolokia and Douglah peppers, it possesses distinctive chocolate-colored, wrinkled skin. Despite its Scoville rating of two million units, it delivers an intense and gradually building heat. Caution should be exercised when handling and using this pepper, but it can add a fiery kick to various dishes, especially meats. The Chocolate Bhutlah pepper is a coveted choice for those seeking an unforgettable and extraordinary spicy experience.
4. Trinidad Moruga Scorpion Pepper
The Trinidad Moruga Scorpion is a renowned chili pepper with intense heat. Originally discovered in Trinidad and Tobago, it features wrinkled, red, or orange skin. With a Scoville rating of two million units, it ranks among the world’s hottest peppers. Known for its slow-building burn and long-lasting heat, it offers a sweet and fruity flavor that enhances hot sauces and recipes. While newer peppers have claimed the hottest title, the Trinidad Moruga Scorpion remains highly regarded by spicy food enthusiasts.
5. Seven Pot Doughlah Pepper
Prepare for a thrilling culinary adventure with the Seven Pot Douglah pepper—a chili renowned for its intense heat and irresistible flavor. Originating from Trinidad and Tobago, this pepper boasts distinctive dark or chocolate-colored skin. With a Scoville rating of nearly 1.8 million units, it ranks among the world’s hottest peppers. Its slow-building burn gradually intensifies, delivering a powerful and long-lasting heat. Despite its fiery nature, the Seven Pot Douglah surprises with a sweet and nutty flavor that enhances various dishes. This pepper has become a favorite in Caribbean cuisine and among chili enthusiasts.
6. Dorset Naga Pepper
Experience the fiery enchantment of the Dorset Naga chili pepper. Crafted by innovative farmers Joy and Michael Michaud in Dorset, England, this chili delivers an intense heat and captivating fruit-like flavor. With its vibrant candy-apple red or orange-red skin, it’s a visual feast. Ranked among the hottest peppers worldwide, the Dorset Naga boasts a precise Scoville rating of 1,598,227 units. Brace yourself for its swift and surprising heat, complemented by a delightful fruity sweetness. Whether you’re a spice enthusiast or an adventurous food lover, the Dorset Naga promises a thrilling culinary adventure.
7. Seven Pot Primo Pepper
Embark on a fiery adventure with the Seven Pot Primo pepper, a remarkable hybrid of the Trinidadian Seven Pot and the legendary Naga Morich. Created by farmer Troy Primeaux, this pepper boasts mesmerizing deep red or rusty orange skin with intriguing textures. With a scorching Scoville rating of 1,473,480 SHU, it ranks among the hottest peppers worldwide. Its slow-building burn delivers a relentless and long-lasting heat, balanced by a surprising blend of fruity and lemony flavors. The Seven Pot Primo is a favorite in hot sauces and spice blends, offering a tantalizing kick to any dish.
8. Trinidad Scorpion Butch T Pepper
Experience the scorching sensation of the Trinidad Scorpion Butch T pepper, a legendary “Capsicum chinense” variety from Trinidad and Tobago. Named after Butch Taylor of Zydeco Farms, this pepper boasts a fearsome appearance with its fiery red or orange skin and wrinkled ridges. It once held the title of the world’s hottest pepper. Though surpassed in recent years, its potent kick still demands caution. Brace yourself for an unforgettable encounter with this fiery legend that continues to captivate spice enthusiasts worldwide.
9. Naga Viper
Discover the sensational Naga Viper pepper, a British chili that reigns among the hottest of the hot. Bred by Gerald Fowler, this hybrid marvel blends the powers of the Trinidad Scorpion, Bhut Jolokia, and Naga Morich peppers. With its fiery appearance, featuring wrinkled red or orange skin, this pepper delivers a powerful punch. However, it also surprises with its fruity and floral flavors, making it a beloved ingredient in hot sauces.
10. Seven Pot Brain Strain Pepper
Prepare to be caught off guard by the remarkable Seven Pot Brain Strain pepper, renowned for its unexpected, sneak attack of heat. This extraordinary chili is a cultivar of the Trinidadian Seven Pot pepper, boasting a vibrant orange or red hue and a heavily wrinkled appearance, characteristic of its fiery counterparts. Embraced by spice enthusiasts and celebrated in Caribbean cuisine, the Seven Pot Brain Strain pepper is a favored choice for those seeking a thrilling culinary experience. Get ready to embark on a spicy adventure as you delve into the world of this captivating pepper variety.
We’ve explored a range of peppers, from the legendary Carolina Reaper to the fiery Naga Viper, each with its own unique characteristics and heat levels. These peppers have captivated spice enthusiasts and added a fiery kick to various dishes. Whether you’re a seasoned spice lover or an adventurous foodie, these peppers offer an exhilarating exploration of flavor and intensity.
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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)
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)
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)
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)
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.
Most mornings after Stephen Garten wakes up at his home in Austin, Texas, he goes into his backyard and starts pacing, preparing himself for what’s next. “It’s brutal,” says Garten, 37, the founder and CEO of social impact company Charity Charge. “It’s a real challenge every day.”
He’s talking about lowering himself into a 66-inch-long and 24-inch-wide stainless steel tub clad in customized zebrawood and submerging himself up to his neck in water that he sets at 39 degrees Fahrenheit, with water circulating at 1,400 gallons a minute. “It’s like being in a river,” he says of the flow rate produced by this particular vessel, a Blue Cube cold plunge.
It’s an experience that Garten typically tolerates for less than two minutes at a time, once or twice a day. And it comes at a price of $19,000. Blue Cube, based in Redmond, Ore., makes cold plunge units that cost between around $18,000 and $29,000.
“Cold plunging has made a profound difference in my life,” Garten says. He says it has brought him health benefits including stress management.
Previously the domain of athletes, bathing in cold water or ice has become a mainstream wellness trend across the U.S. The practice goes by many terms, like cold plunging, ice bathing and cold-immersion therapy. Water temperature below 59 degrees Fahrenheit is generally considered cold immersion. People who swear by it say they have experienced wide-ranging health benefits, like reduced anxiety, alleviated joint and muscle pain and boosted energy and focus.
But while many people are experimenting with do-it-yourself methods—like taking cold showers or filling kiddie pools, horse troughs and unplugged chest freezers with cold water or ice—some enthusiasts have leveled-up their at-home cold plunging setups with sophisticated receptacles priced at tens of thousands of dollars and up.
Developers, meanwhile, are adding cold plunges to amenity-rich luxury complexes like 53 West 53 in New York and Cipriani Residences Miami, betting that cold immersion is here to stay.
“Ice bathing seems like a trend, but people have been doing this for thousands of years,” says Jonathan Coon, co-founder of Austin Capital Partners, which is the developer of Four Seasons Private Residences Lake Austin, 20 minutes from downtown Austin, slated to open in 2026.
In addition to 188 residential units starting at $4.1 million, the Lake Austin property on 145 acres will have 76,000 square feet of indoor wellness and sports facilities, including a 12,000-square-foot orangery, 82-foot swimming pool, sauna, steam room and, of course, cold and hot thermal baths.
Amenities covering 100,000 square feet is a key reason that Onyx W.D. Johnson and Cristian Santangelo bought a $2.2 million two-bedroom, 1,123-square-foot apartment in New York’s One Manhattan Square, an 80-story building located on the Lower East Side. Facilities include a spa with a tranquility garden, 75-foot saltwater swimming pool, hot tub, sauna, steam room and hammam with a cold plunge set between 55 and 58 degrees Fahrenheit. The couple moved into the apartment in May 2021.
Johnson and Santangelo quivered at the idea of cold plunging until they started seeing other people dipping and discussing the health benefits. “We decided to give it a try,” Johnson says.
Now cold plunging is part of their wellness regimen. Johnson, 50, who runs a management consulting firm, uses the hot pool, steam room and sauna, and then cold plunges for 45 seconds to a minute. He says this routine speeds up his training recovery time, helps him think clearer and improves his alertness and mood. Santangelo, 45, who is a management consultant, says the ritual helps him calm down and fight anxiety and stress.
Diamond Spas & Pools, based in Frederick, Colo., is a custom manufacturer of luxury pools, spas and soaking tubs for homeowners globally. The company added cold plunges to its portfolio in 2015 and saw one or two orders annually until 2019, when it experienced a sales surge. “Our cold plunge projects have increased 10 times since then,” says Mitch Martinek, the company’s design manager.
Martinek attributes the uptick to several factors. Today’s homeowners want gym and spa amenities at home and on-demand, cold therapy health benefits are better known now, and there are lingering pandemic concerns over public wellness facilities.
The company’s cold plunges, which chill water to between 40 and 55 degrees Fahrenheit, are made from stainless steel or copper and can be camouflaged in tile, stone or wood. The pools can go indoors or outdoors, come in any size and can work with home automation systems. The average cold plunge costs about $45,000, with elaborate projects running closer to about $65,000.
One of the company’s more unique cold plunges had an acrylic bottom and was in a high-rise building. “It was on a deck with a fire pit below,” Martinek says. “The homeowner wanted to be able to look up through the cold plunge.”
John Thorbahn bought a four-bedroom, 5,500-square-foot single-family home in Hingham, Mass., south of Boston, in March 2020 for $1.6 million. He owns a cold plunge from Phoenix-based company Morozko Forge, founded in 2018. Morozko Forge’s entry-level unit costs $12,850; its upgraded version costs $19,900.
Morozko Forge’s ice baths make ice. While the stainless steel tub is filled with cold water, an ice slab starts building at the tank’s bottom. At about 1-inch thick, the ice detaches and floats to the water’s surface. The ice can be broken up with an implement like a rubber mallet if needed.
Thorbahn, 63, who is the managing director at consulting company NFP, ice bathes most days for two to three minutes at 33 to 34 degrees Fahrenheit. His wife, Jana Thorbahn, 59, ice bathes, too. “The older you get, the more you want to live longer,” says Thorbahn, whose home also has a gym, sauna, red light therapy room and hot tub. “You start investing in protocols to help you be healthy.”
While many cold plungers have developed their own ice bathing rituals, choosing everything from their preferred water temperatures to time limits, Dr. Susanna Søberg, a Danish Ph.D. metabolic scientist and founder of the Soeberg Institute, is one of the world’s experts on the health benefits of cold immersion, which she has been studying for nine years.
In 2021, Søberg published research on cold exposure and hot exposure, which is called “contrast therapy” if the cold and hot exposures are performed in succession. Studying Danish winter swimmers, Søberg identified that a short plunge in cold, moving water combined with sauna use shifts the body’s nervous system and creates physiological changes, like boosting metabolism, lowering inflammation and releasing neurotransmitters that improve cognitive performance and mental health. “You are activating your whole body system,” Søberg says.
In a field that hasn’t been widely studied by the medical community, Søberg has developed what she says is the only scientifically backed cold immersion protocol for reducing stress using contrast therapy and breathing: 11 total minutes of cold immersion combined with 57 total minutes of heat, across two to three days a week. The goal of her method is to expose the body to the smallest amount of healthy stress needed to reap health benefits. “Staying in cold water or heat longer may not be beneficial or necessary,” she says.
Søberg says cold immersion carries the rare risk of cold water shock that can cause confusion or fainting, but the risk increases if a person does hyperventilating breathwork before or during cold water immersion. She also says cold plunging might not be good for people with heart disease or high blood pressure. Søberg advocates for cold plunging with others, and practicing slow, nasal breathing in the water.
Contrast therapy is why Sausalito, Calif.-based company Yardzen says most of its cold plunge projects involve saunas. Yardzen is an online landscape and home-exterior design company that works with homeowners across the U.S. The company’s co-founder and CEO Allison Messner says wellness yards—encompassing everything from cold plunges to saunas to meditation spaces to forest bathing—is one of Yardzen’s top 2023 trends.
“Peak luxury is having both a cold plunge and a sauna in your yard so you can experience cold and hot therapy,” Messner says.
Tobias Lawry, 51, and his wife, Christine Lawry, 50, live in a three-bedroom 1963 Midcentury Modern house in Dana Point, Calif. They purchased it in October 2018. Between July 2021 and October 2022, they worked with architect Chris Light, designer Frank Berry and builder Crawford Custom Homes to renovate their 3,000-square-foot house to honor its original period intention while modernizing it. This included turning a bedroom into a wellness room, which opens into a backyard with a pool, sauna and Blue Cube cold plunge.
The Lawrys, who run an estate-management and concierge services company called LPM, keep their Blue Cube at 47 degrees Fahrenheit. They typically cold plunge in the evening and on weekend mornings.
Stephen Garten in Austin also has a tricked-out wellness yard: In addition to his Blue Cube, he has a barrel sauna from Almost Heaven Saunas, which are manufactured in West Virginia and start around $7,500. He also has a stock tank pool from Cowboy Pools, an Austin-based company that has pool packages starting around $2,000.
He was inspired to create a backyard oasis where he and his fiancée, Katie Snyder, can have friends over. “It’s wellness,” Garten says, “but it’s entertainment too.”
The cost of your point-of-sale (POS) system will largely depend on the kind of POS system you choose, your industry and the hardware you need. The total initial cost of a POS system can range from $0 (if you’re able to use free software and hardware you already own) up to $2,000.
Components of a POS System
To break down the cost of your POS system, think of your needs in terms of three main components: POS software, POS hardware and payment processing.
POS Software
POS software can range in price from $0 to over $200 per month, depending on your needs. Although free POS software can be great for newer businesses, you may need to upgrade to paid software in order to access many features that are industry-specific or that may help your business scale.
For example, Square for Restaurant’s Free plan includes standard features like menu and table management, reporting, and iPad and register compatibility. To get more advanced features like mobile POS capability, live sales data and floor plan customization, you need to upgrade to the Plus plan for $60 per month.
See some popular POS systems and their monthly software costs below.
POS Hardware
POS hardware consists of the physical components you need to accept payments, which can include:
Cash registers: Can start as low as $100 for a basic model and up to over $1,500.
Tablet stands: Can range from $99 to $199 for the stand, not including the tablet.
Credit card readers: Can range from $0 for Square’s magstripe reader that plugs into a tablet or phone up to $300.
Self-service kiosks: Can range from $700 for countertop kiosks up to $4,000 for free-standing kiosks.
POS terminals: Can range from $49 for a small mobile terminal up to $1,799 for a full cash register.
Cash drawers: Can range from $39 to almost $1,000 for high-capacity cash drawers.
Barcode scanners: Can range from $20 for a simple USB scanner up to $600 for scanners with touch-screen terminals attached.
Receipt printers: Can range from $26 up to over $600. Some multi-functional terminals, like the Clover Flex handheld system, have receipt printers built in.
Many top POS providers have their own branded hardware, but some will let you purchase or use your own hardware. Hardware is usually a fixed, one-time cost upfront, but some companies allow payment plans that can be rolled into your monthly payment.
Payment processing
Payment processing is a system that allows you to collect payments from customers in any form except cash or check. The function serves as a middleman between your customer and your business bank account, and can be offered in different pricing models:
Interchange plus. Interchange plus pricing models consist of the interchange rate, which is the rate charged to a processing company by the card company, plus a fee charged by the payment processing company.
Flat rate. Flat-rate models charge by the type of transaction, like in-person or online, and the rate is consistent regardless of the interchange cost from the card company.
Subscription. Subscription models are less common and usually charge monthly or yearly.
Variables that factor into POS system costs
Type of business
Your business’s industry is a huge factor in the overall cost of your POS system because it likely affects each of the three main pricing components. If you own a retail business, for example, you might need additional software integrations like inventory management that will function across locations and platforms. If you have a restaurant, you might want additional hardware like a kitchen display system or a self-service kiosk. If you run an e-commerce company, your biggest cost may come in the form of your website or online store.
Number of locations
The number of business locations is an important factor that can affect both the software and hardware components of your POS system. To function properly, your POS system will likely require a set of hardware (register, card reader, etc.) per location (and per checkout point within your store). Additionally, many POS providers price by the location, so there may be added monthly software costs if you have more than one location.
Add-ons
Customer loyalty features, online ordering, appointment booking, email marketing and more can be priced as add-ons to your monthly subscription costs. Any one of these may be important to how you run your business. For businesses that require the ability to book appointments, like a salon for example, Clover uses a third-party add-on software called Salon Scheduler that can cost anywhere from $19.99 to $119.99 per month, depending on things like the number of employees and the number of reminders per appointment.
Similarly, Toast’s POS system for restaurants offers online ordering and delivery services as an add-on for an additional monthly cost, either through its own software or a third-party integration like Grubhub or DoorDash.
Scalability
When you’re researching which POS system is best for you, it can be helpful to think long term about where you’d like your business to go. It can be costly and painful to switch your whole POS system if you want to add another location, for example, or if you want to start marketing to help growth. Look at what packages work for where your business is now, and what add-ons or packages are available for where it could be in the future.
Frequently asked questions
Do I really need a POS system?
It may vary depending on your type of business, but for most businesses it’s recommended to enroll with a POS provider. POS systems help you safely accept multiple types of payments, manage and track inventory, interface with customers, grow your business and more.
What is needed for a POS system?
A POS system is made of three main components: software (normally a monthly cost), hardware (can be purchased upfront or on a payment plan) and payment processing (can be priced monthly or by transaction). Additional needs will depend on your specific business.
On the Hawaiian island of Hilo, the last of the 4 larger islands still free of the pressure of rapid expansion and famous for its rainfall and lush jungle vegetation, there’s a magical tropical retreat called Reed’s Island.
Known among locals as Koloiki (“Little Crawling”), Reed’s Island is a 26-acre enclave shaped by the Wailuku River, the largest in the state of Hawaii.
Accessible by a small bridge, Koloiki is only one mile away from historic Hilo but feels like a time capsule of Old Hawaii. Once home to Hawaiian royalty, the island was sold by King Kamehameha IV to businessman William Reed in 1861, hence the name.
Here, on the edge of a bluff adjacent to a double 25-foot waterfall, The Falls at Reed’s Island took shape, a zen, nature-enveloped 2,696-square-foot residence that’s now looking for new owners.
Recently brought to market for $2,495,000 (Rebecca Hirsch-Keliihoomalu with Compass holds the listing), the secluded property was built by the late San Francisco architect David Morton and is one of the area’s most coveted and best reviewed vacation rentals.
Built on the edge of a bluff adjacent to a double 25-foot waterfall on the Wailuku River and surrounded by state and conservation land, the Falls at Reed’s Island is a secluded zen paradise.
With three bedrooms, three full baths and one half-bath, the 2,696-square-foot residence boasts minimalist interiors with locally sourced materials that complement the environment.
Most importantly, each and every room offers closeup views of the rainforest that surrounds it and the nearby falls, creating a truly magical retreat that’s gained quite a reputation among tourists and locals alike.
A long breezeway entry screened from floor to ceiling connects the home’s three living pavilions.
The late San Francisco architect David Morton created this vertical structure to meet the physical challenges of the long and narrow 2.24-acre parcel bordered by 2 gulches, the rainforest and the river — with the result being a home of distinction hailed in the NY Times as well as multiple award-winning travel sites.
The Falls at Reed’s Island nabbed a spot on Frommer’s Top Picks – Rooms with a View and on Homeaway’s ranking of the Top 10 Romantic Properties in the World, further bolstering the property’s appeal among tourists visiting the island.
The secluded home is the area’s best rated vacation rental on VRBO.com, making it a savvy investment opportunity for its future owners.
One review in particular (taken from the property’s own website) summs up the merits of this zen home better than we ever could:
“We are all stunned by the beauty of this home. It’s location atop the volcanic rocks, looking down past ferns at the river or looking upstream at the waterfalls is truly amazing. The house is elegant in it’s simplicity. We all felt immediately comfortable in it. We think this is the most beautiful place we have ever stayed and are sad to be leaving today. I painted watercolors here — so many subjects and views to paint — a kind of Hawaiian Monet’s Garden. There is one problem with this home – we all just wanted to stay here and not go to see anything else.”
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When you’re a smoker, there is such a wide range of insurance company attitudes toward smoking that it pays to find out which ones have good rates for smokers.
For cigar smokers, there are additional criteria that you can meet in order to get a better rate on life insurance.
Occasional Cigar Smoking
To get life insurance for cigar smokers, it certainly pays to look into as many life insurance companies, like Banner Life Insurance, to find one that makes a distinction between cigar and cigarette smoking. Though there is generally little difference between the rates for cigarette and cigar smoker rates if you smoke cigars daily, there are many companies that look at the occasional cigar differently than regular cigar smoking.
Being labeled as a tobacco user is a general label that many insurance companies will give you no matter how often you smoke. However, there are some companies that consider the occasional cigar, such as one per week or per month, in a different category. With this type of life insurance for smokers, you aren’t given the standard tobacco rate that is generally double the non-smoker rate.
When you smoke the occasional cigar, your medical test can still show that you are free from nicotine. If you smoke cigars occasionally, you may be subject to urine or blood testing to ensure that you test nicotine free. You must also disclose that you occasionally smoke cigars when you fill out the application as well as other conditions affecting you health. When applying for life insurance, honestly is always the best policy, even if you only smoke a couple cigars a year, telling the agent will save you time and frustration later.
Some insurance companies offer non-tobacco rates for applicants who smoke the occasional cigar.
Others have special rates just for people who don’t smoke cigarettes and who smoke cigars. Whether that means the occasional cigar or regular cigar smoking will vary with the individual company. However, applicants must generally test negative for nicotine when they are given a urine test in order to get these special rates on life insurance for cigar smokers.
If you’re an occasional cigar smoker (only on special occasions or a couple a month), you may have received unreasonably high monthly premiums. If you’ve received a life insurance quote that made your jaw drop, but it doesn’t have to be this way. You probably just contacted the wrong company.
You need to find an insurance carrier who has a lot of experience working with cigar smokers. Each company is going to use different standards for cigar smokers. It’s important to find the perfect company that works for you.
Aside from finding experienced agents, it’s important that you receive quotes from several companies before you decide on one. More than likely the first quote that you receive from a company isn’t going to be the lowest. Make sure to get several before you pick one. While you could spend hours on the phone answering the same questions over and over, we can do all the work for you. Fill out the simple quote form and we can compile the lowest rates possible.
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A Life Insurance Policy can benefit everyone in the family.
A life insurance policy is the safety net your family deserves. You never want to use it, but better to have it just in case. Just imagine if it wasn’t there. Your family would be falling into a mount of debt.
Once you decide which company is going to fit your needs the best, the next decision is determining how much life insurance you need. It’s important to find the perfect balance of having enough money to cover your family, and not paying too much in monthly premiums. Your plan size is going to be a significant factor in calculating your monthly payments. So, how do you figure out how much you need? There are several different things for you to consider that can help you decide how much life insurance you need. You’ll need to look at how much debt you have and how many people rely on your annual income.
Before you buy a high risk life insurance plan, sit down at look at your debts you would leave behind if you were to die tomorrow (cheery thought, right?). You would add all of it up since the total is a great starting point. A very important point is to make sure to calculate mortgage, car payments, student loans (or student loans you could have in the future), credit card payments, and funeral expenses into your total.
The other thing that you have to look at is how much people rely on your annual income to meet their basic necessities. If you have a spouse and children that use your salary as their main source of support, then losing it can have devastating effects on the family or those who benefit from the policy. If you don’t have anyone other than yourself that uses your income, then you can consider taking out a smaller policy and saving money every month. For example, if your spouse works and your children have already moved out of the house, then a smaller policy is probably a better idea.
You know there is really no magic number regarding how much whole or term life insurance you should purchase, but most experts suggest getting at least ten times your annual salary. This might seem like a little much, but it will give your family enough money.
Finding deals that work proves challenging “The hardest thing for us has been the underwriting at current interest rates,” MacDonald-Korth said. “Most buildings’ financials were not designed to withstand the 520-, 550-basis-point jump in rates from one year to the next. While we have seen our pipeline balloon, especially with banks holding back and credit … [Read more…]