Las Vegas might have once lured travelers with its gambling halls and affordable $9.99 steak and lobster dinners. However, the Las Vegas Strip of today is a thoroughfare dominated by sprawling luxury resorts — and accompanying hotel bills that almost require a jackpot at a slot machine to offset the financial blow.
MGM Resorts’ Aria Resort & Casino stands out among this wave of newer Las Vegas resorts for being among the first to rely less on a theme (no circus gimmicks, Italian-inspired water features or faux Parisian architecture here, thank you very much). Instead, this glitzy, glassy complex is more about luring in guests with a bevy of bars and restaurants, pools, a spa and, of course, an extensive casino floor.
Aria was one of my favorite places to stay in Las Vegas prior to the pandemic, so I checked in earlier this month to see what’s changed in the last few years. Here’s what it was like to stay there.
What is the Aria Resort & Casino?
Moving to a stay at Aria following three nights at a conference at Caesars Palace just up the Strip was like experiencing Vegas resort whiplash. That’s no knock against Caesars, but that resort leans heavily into its Roman theme — which certainly keeps the place packed with tourists.
Aria, however, makes a point of not leaning into the various themes its competitors or sister properties embrace, like the Bellagio (Italy’s Lake Como), Paris Las Vegas (France), Luxor (Egypt) or Excalibur (medieval times). Instead, this MGM Resorts-affiliated property is the namesake of Aria Campus — a high-end hotel and casino complex featuring the Aria Resort & Casino, as well as the Aria Sky Suites and Vdara Hotel & Spa. The Shops at Crystals, a luxe shopping mall featuring retailers like Dior and Gucci, connect to the hotel.
While the Aria is on the Las Vegas Strip, it’s set back farther than some of its siblings and competitors. However, the Aria Express Tram connects visitors from Aria and the Shops at Crystals to the Bellagio and Park MGM (both part of MGM Resorts along with Aria).
If Aria did lean into any theme when it first opened in late 2009, it was its high-tech features — something I noticed during my stay amid posters all over the property encouraging guests to text a digital concierge or use a tablet in their room to communicate with staff and make reservations. More on that later.
Related: 17 best hotels in Vegas with suites that are worth it
How to book the Aria Resort & Casino
Because of the reciprocity between MGM Resorts and Hyatt, there are a variety of ways to book a stay at Aria and earn loyalty points and on-property elite benefits. As a World of Hyatt Explorist member, I booked my Friday and Saturday night stay directly through Hyatt for a Deluxe Strip View King guest room that averaged $435.44 per night, including taxes and fees.
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Room rates are higher on the weekends, but the silver lining is that, because I’m an Explorist, I also have MGM Resorts Gold status when I book directly.
That comes with waived resort fees and an enhanced room upgrade (the staffer at check-in moved me up to the 33rd floor compared to a room on the 21st floor that was initially available), which saved me $90 over the span of my two-night stay. There is also a dedicated check-in counter in the lobby for MGM Gold members and above, which saved me some time upon arrival.
Luxury on the Strip
The first time I visited Aria years ago, my taxi driver referred to it as “glassy and classy” when she dropped me off at the resort. That moniker still holds as the hotel’s curved glass towers leave an imposing, modern presence among the wide variety of architectural styles that characterize the Las Vegas skyline.
I wouldn’t lump Aria in with the ultra-luxury vibes of the adjacent Waldorf Astoria Las Vegas or the Wynn and Encore resorts farther north on the Strip. However, Aria still has an elevated, less-chaotic vibe than some of the other Las Vegas properties.
New York’s famed Carbone restaurant and celebrity chef Jean-Georges Vongerichten have venues on the property, and you’ll be hard-pressed to find an affordable meal here save for the food hall and outposts of on-the-go chains like Starbucks and Pressed Juicery. The prices might make your wallet cry, but it certainly adds to an aura of exclusivity lingering around certain parts of the resort.
That said, this is still a Las Vegas resort: There’s plenty of boisterous fun taking place on the casino floor and on Aria’s sprawling pool decks during the daytime.
Spacious room with a view
I was eager to return to Aria because my last time here was prior to my time as a hotel reviewer. I remember being blown away by the size of the rooms, and that part still rings true.
My panoramic room had ample space for stowing luggage — two closets plus a dedicated, built-in shelf for storage — and a marble bathroom that was great for couples or friends traveling thanks to the double vanity.
My room featured an incredible, panoramic view of the southern swath of the Las Vegas Strip: The Cosmopolitan, Planet Hollywood, MGM Grand, Vdara, the Waldorf Astoria, Park MGM Las Vegas, Tropicana, Mandalay Bay and Delano were all visible from the room. Also, I work at TPG and am obviously an aviation geek, so I spent quite a while with my flight radar app on my phone and taking in the sights of planes landing and taking off from nearby Harry Reid International Airport (LAS).
The sprawling layout for a non-suite guest room plus the impeccable views put Aria in the higher category of resorts that I’ve stayed at in Vegas. However, the room also showed signs of needing a refresh.
The room featured a comfy king-size bed and blackout shades that were controlled by a wall-mounted switch (curiously, they could be closed from a nightstand switch but only opened from one out-of-bedside reach in the guest room foyer).
There was a tablet intended for making restaurant reservations and accessing hotel information, but I found it to be terribly glitchy (breakfast options one morning took several minutes to actually appear on the tablet). Google was my friend during this stay more than Aria’s supposedly stellar digital concierge infrastructure.
One of the reading lamp lights wasn’t working, which I thought would have been checked during turnover before my arrival. Additionally, many of the light switches seemed as glitchy as the tablet or didn’t work at all. The hotel room’s TV offered device connectivity, but I stuck to just reading from my phone or laptop.
There were two large chairs, a workstation and the hotel minibar. However, I could have used a fainting couch after checking out some of the minibar prices. It was nearly $25 for a bag of cashews or almonds. Want a liter of Fiji water? That’ll run you $24.75. I highly recommend grabbing snacks and beverages at the CVS nearby on the other side of the Waldorf Astoria on the Las Vegas Strip.
There was a large soaking tub and shower (Aria uses KiNU products) behind a glass door. I always find these layouts a little pointless because you end up getting the tub wet for no reason when you take a shower. A grip pad on the shower floor would also have been nice, as I was always extra cautious trying not to slip while rinsing off. There’s a separate water closet behind a frosted glass door.
One of my sink drains was clogged, but I didn’t bother calling maintenance during my stay since the other sink worked perfectly fine — again, something you’d think would have been noted during turnover.
The bathroom lights were a little glitchy in that you’d press a button several times to get the light on in the shower — another slight stand-alone problem that can swell to an overall annoyance at a hotel touting its tech prowess on many advertisements throughout the property.
Overall, I think the hotel is going to need an interior design overhaul in a few years. The furniture and dark wooden cabinetry all felt like they were teetering on the intersection of dated and wear-and-tear, and the linens all seemed dull and in need of replacing (or at least an iron). I know wear and tear are going to inevitably happen at a highly visited hotel in Las Vegas, but a hotel leaning into its luxurious reputation like Aria needs to start thinking about this sooner before long-time guests start looking elsewhere for a stay.
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CAMERON SPERANCE/THE POINTS GUY
Pricey eats and drinks
As the minibar might suggest, mealtime at Aria can be stressful if you’re trying to dine on a budget.
My “affordable” dinner at Din Tai Fung, a famous Taiwanese dumpling and noodle restaurant that opened a Las Vegas outpost at Aria in 2020, came to $92.50 for a yuzu margarita, pork xiao long bao (soup dumplings), steamed shrimp and pork dumplings and spicy noodles. The food, recommended by the very friendly waitress, was delicious, but I felt a little rushed (I was in and out in under 40 minutes). It was fun, however, to watch the chefs make the dumplings in the display kitchen near the host stand at the restaurant.
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CAMERON SPERANCE/THE POINTS GUY
I purposefully didn’t make a reservation at any restaurant ahead of my arrival, as I wanted to see how well the “Fine Dining Priority Reservations” benefit of MGM Gold status worked on a last-minute booking. It didn’t exactly pull miracles for me, as I didn’t find any availability at Carbone or at Salt & Ivy, a clearly popular breakfast spot based on the Saturday brunch wait that rivaled any TSA security line during the holidays. (I recommend just sitting at the bar at Catch just off the lobby for a full breakfast if you’re looking for something heartier than Starbucks.)
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CAMERON SPERANCE/THE POINTS GUY
The check-in agent during my arrival recommended Jean Georges Steakhouse. At the time, I figured he was trying to send me to the most expensive spot at the hotel for dinner (The restaurant is known for being one of the few in the U.S. to serve actual Kobe beef). Alas, it had availability, so I took myself to dinner solo on a Saturday night.
Let’s say I went the “bargain” route at the luxe restaurant by ordering a $23 wedge salad, a $74 8-ounce filet mignon and a $21 side of crunchy potatoes served with chili yogurt and herbs. By no means was this cheap, but I was surprised to see a gin martini here going for “only” $20 when a glass of 2021 George Pinot Noir Ceremonial went for $25. A scoop of ice cream ($8) and a double espresso ($7) rounded off the meal.
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CAMERON SPERANCE/THE POINTS GUY
Was it worth it? There were certainly some amazing points: The staff was wonderfully attentive without being suffocating, and I loved the variety of four sauces to come with the steak: a habanero sauce, soy miso, barbecue and bearnaise.
That said, I ordered my steak medium and found it to be teetering into the well-done territory — a grilling mishap I’d imagine a patron paying $67 per ounce for the A5 Certified Kobe Beef on the menu wouldn’t be too thrilled by.
Fast casual options that (mostly) won’t break the bank
Since my last visit to Aria, the buffet was replaced by Proper Eats Food Hall. This features a mix of fast-casual options for all taste buds, like Laughing Buddha Ramen, Egghead, Lola’s Burgers, Proper Bar and even a speakeasy: Easy’s Cocktail Lounge.
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CAMERON SPERANCE/THE POINTS GUY
The hotel has signs everywhere noting how easy it is to order via your phone or from a self-service kiosk to cut down on wait times. However, I noticed during peak hours, these features were turned off, and you still had to wait in a long line at Egghead. Again with the tech failures!
I grabbed a burger, fries and soft drink one day at Lola’s for $33.81, including tax and tip. That’s pretty hefty for what’s essentially fast food with no sit-down service, and I knew Aria was getting to me when a voice inside my head said, “Well, that’s not bad, relatively speaking, compared to everything else here.”
To ensure I wasn’t letting the luxury prices go to my head, I ducked into an In-N-Out farther down the Strip before I flew home. A burger, fries and a soft drink there came to only $9.75.
For those in a bit of a rush in the morning, the mobile ordering at Aria’s second-floor Starbucks consistently worked. Also, the Pressed Juicery across the hall is a healthy alternative (though a costly one considering a wellness shot of ginger and lemon juice plus an acai bowl came to $16.50).
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CAMERON SPERANCE/THE POINTS GUY
Fitness and poolside fun
I didn’t book a treatment at the Aria Spa & Salon but passed through every day of my stay en route to the gym. Both spaces are very modern and sleek, and there’s an inviting seating area with a fireplace just outside the gym.
The hotel fitness center overlooking the pool area was spacious and had all the cardio and weightlifting equipment one needs for a variety of workouts. There’s even a rock-climbing wall and bowls filled with chilled towels to cool off post-workout.
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CAMERON SPERANCE/THE POINTS GUY
I came out of the gym each morning just before the pool’s 9 a.m. opening time to an extraordinarily long line of folks jockeying to stake the claim to a lounger outside. This deterred me from checking out the pool daily until mid-afternoon when things calmed down. Aria features three pools; though one is a private pool for Sky Suites guests only.
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CAMERON SPERANCE/THE POINTS GUY
I didn’t feel like I was missing out by hanging out at just the “regular” pools both afternoons I ventured down. While you hear a lot about Sin City’s infamous pool parties, Aria’s pool scene was a relaxing spot to read a book, sip on a (tiny) margarita ($21.82) and listen to early 2000s Gwen Stefani music belt out over the speakers.
Related: The best hotel pools in Las Vegas
Checking out
Aria Resort & Casino arrived at the height of the Great Recession at perhaps a misplaced time. Late 2009 likely wasn’t the best time to launch a luxury casino resort in Las Vegas, but it found success and a following by courting high-end travelers with its glamorous accommodations and restaurants.
The resort is still riding high on luxury, but there are signs a refresh needs to happen sooner than later. After all, nobody wants to stay at the hotel relying on stories of the glory days.
If MGM gets ahead of this now, there will still be plenty of reasons to keep returning to Aria for years to come.
Convinced that Aria is the right property for your next trip to Vegas? You can book here.
Welcome to the world of Spanish interior design, where warmth, authenticity, and timeless beauty come together. Whether you live in an apartment in Tucson, AZ or you’re moving to a new house in Orlando, FL, the allure of Spanish-inspired interiors transcends geographical boundaries. With its roots deeply embedded in Spanish culture, this design style offers a universal appeal that can be embraced and adapted in any corner of the world.
In this Redfin article, we will delve into the expert tips and advice from professionals in the field, guiding you on how to achieve an authentic Spanish Hacienda-style interior. We’ll uncover the secrets to crafting a Spanish-inspired home that reflects its rich heritage and evokes a sense of relaxed elegance.
1. Incorporate Spanish-inspired architectural elements and design features
While there are no rigid guidelines for achieving this aesthetic, there are certain characteristics that are commonly found in Spanish-style homes.
“Install arched details and doorways to recreate an old-world Spanish architectural vibe,” recommends Rachel Moriarty Interiors. “Incorporate hand-painted tiles in a patterned design and terracotta flooring for an authentic Spanish Hacienda feel. Use earthy colors like terracotta and mustard to create a warm and inviting ambiance that mimics the Spanish Hacienda look.
Use iron accents such as stair rails, lighting, and hardware to recreate Spanish architectural design.”
Courtesy of Deborah Shields
2. Use natural materials throughout your home
Natural materials, like stone and wood, help capture the authentic beauty and character of Spanish Hacienda design.
“The key to any good design, particularly Spanish Hacienda, is to focus on authentic materials,” recommends Deborah Houston Interiors. “In a world of fake wood and porcelain everything, there is no substitute for the real thing: real stone, wood, metal, and ceramics. They are the key to achieving authentic beauty.”
3. Blend contemporary design into your Spanish Hacienda design
To bring a fresh twist to your space, consider incorporating contemporary design elements alongside traditional features.
“Don’t be afraid to mix modern or transitional design elements into a Spanish Hacienda home. The traditional arches, wood beams, smooth stucco walls and wrought ironwork can easily be blended, and even more highlighted, with light paint colors, transitional furniture and striking accessories to create a stylish home that families today will love,” shares Tena Hill, Design Studio Director and Interior Designer at Andalusia Country Club
4. Showcase beautiful crafstmanship
Intricate designs and fine craftsmanship take center stage, allowing the beauty of each piece of furniture in your home to shine.
“The Spanish Hacienda design style is all about letting the beautiful craftsmanship of this style speak for itself,” says Homzie Designs. “We love featuring statement-carved headboards like this dark wood spindle bed. Its scale and detail ground the space and draw the eye, allowing you to appreciate the craftsmanship. When using a variety of statement features like wood beams, carved furniture, and large-scale woven lighting, we like to keep the rest of the styling minimal by bringing out this style’s organic colors and textures to keep anything from competing.”
Courtesy of Homzie Designs
5. Spanish interior and architectural design should reflect its roots
Spanish interior and architectural design is deeply rooted in its heritage and should reflect the essence of its origins.
“Our architecture focuses on the continuity of the values of Andalusia: its climate, culture, and tradition, which are significant elements in Spanish interior design,” says Alejandro Giménez Architects. “Andalusia, a region in southern Spain, holds a rich cultural heritage and historical importance, shaping our contemporary projects that blend traditional aesthetics with a modern approach, allowing us to maintain our unique identity and stand out from other places.
Among the materials we use in our projects, we highlight the esparto grass on the façade, Portuguese stone block flooring, natural muds, application of natural plaster, solid natural wood with its textured nobility, and rattan in the wardrobes. Even with the incorporation of new materials such as microcement, we ensure the application is done by human hands.”
Courtesy of Alejandro Giménez Architects
6. Don’t be afraid to mix in modern elements
The Spanish hacienda style offers versatility in design, allowing it to seamlessly integrate into modern interiors while preserving its unique and defining features. With careful adaptation, this style can be infused with contemporary elements to create a harmonious blend of old-world charm and modern aesthetics.
“Spanish hacienda is an immediately recognizable style because it is so specific. It requires arched or open doorways, exposed wood beams, terracotta tiles, iron finishes, and a warm color palette,” shares Kate O’Hara, CEO from Martha O’Hara Interiors. “What is exciting about this style is that it lends itself to a modern interpretation that many people are embracing. For people who don’t want terracotta covering their floors, they might consider stair risers, which is a beautiful and unique way to pull the necessary elements into a house.”
Courtesy of Andrea Calo
7. How to craft a warm, simple, and cohesive atmosphere
“Embrace the warmth and elegance of Spanish Hacienda style by incorporating rich, earthy tones, rustic textures, and intricate architectural details into your home. From hand-painted tiles to wrought iron accents, creating a space that exudes the timeless charm of a Spanish hacienda is all about celebrating craftsmanship and embracing a relaxed, inviting atmosphere,” suggests Etch Design Group.
“When striving for authenticity, it’s important to avoid excessive ornamentation and clutter. Maintaining a balance between simplicity and the authentic elements of Spanish design is key. Additionally, it’s advisable to steer clear of mismatched architectural styles and overuse of bright, bold colors to achieve a more cohesive and genuine Spanish Hacienda aesthetic.”
8. Embrace imperfections while styling your home
In Spanish interior design, there is a celebration of the beauty found in weathered textures and worn surfaces. Instead of striving for flawless perfection, allow imperfections to shine through, telling a story of the passage of time and adding a sense of authenticity.
“Historically, Spanish Haciendas were built using traditional materials such as red clay, stucco, and rustic woods that were both efficient and natural to the environment. The beauty of these homes, particularly in the interiors, comes from their imperfections,” shares Natalie Aldridge, Interior Designer and Contributing Editor for The Glam Pad .
“Nothing is too precious or too refined. Incorporating a similar mentality when working to achieve this style is essential. A remarkable modern reference to Spanish Hacienda style can be found in the Mediterranean-inspired homes of Palm Beach, designed by the legendary Addison Mizner. Despite being American interpretations of a historic style, they exude incredible elegance and authenticity.”
9. Harmonize earthy colors and natural materials
By thoughtfully blending warm colors and natural materials, you can infuse your space with the distinctive essence of Hacienda design.
“The foundation of a Spanish Hacienda-style interior lies in its earthy color palette and the use of authentic materials. Begin by selecting warm, earth-toned hues such as terracotta, mustard yellows, or sandy beige for your walls. These colors reflect the sun-soaked landscapes of Spain and create a cozy ambiance. For a more neutral and modern approach, use creamy warm white or sandy beige tones for your walls or cabinets,” recommends Stephanie Georgoulakis, President of Life by Design Interiors.
“To infuse your space with authenticity, incorporate natural and rustic materials throughout. Exposed wooden beams, stone walls, and traditional terracotta tiles serve as distinctive architectural elements. Embrace their raw beauty and allow them to take center stage in your design. Use reclaimed wood for furniture, flooring, or accent pieces to maintain a sense of history and craftsmanship. Pair these materials with wrought iron fixtures and lighting to add a touch of elegance and create a cohesive Spanish Hacienda ambiance.”
Courtesy of Life by Design Interiors
10. Create intimate spaces and embrace textural elements
A comforting atmosphere can be achieved by crafting intimate spaces designed to promote relaxation and ease.
“Spanish hacienda style interiors are known for their cozy and inviting atmosphere. To achieve this, focus on creating intimate spaces that foster relaxation and comfort. Start by incorporating plush seating arrangements with upholstered sofas, armchairs, and ottomans. Layer textiles such as handwoven rugs, and richly textured curtains to add warmth and visual interest,” shares Stephanie.
“These soft and inviting elements create a sense of coziness and relaxation. Pay attention to lighting to enhance the ambiance further. Utilize warm, soft lighting through the use of wall sconces, table lamps, and candles. Consider installing wrought iron chandeliers or pendant lights to add a touch of grandeur and create a romantic atmosphere. To add depth and character to your space, embrace textural accents. Introduce elements like woven baskets, handcrafted pottery, and decorative tilework. These details bring a tactile quality to your interior, emphasizing the Spanish hacienda style’s commitment to craftsmanship and authenticity.”
Mortgage rates are basically flat again today. The Fed meeting, although not a major policy event, is still in focus for financial market participants right now.
You never know what will happen in the Eccles Building so we could see rates adjust tomorrow when the concluding statement is issued. Read on for more details.
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Market Outlook 4.30.17 from Total Mortgage on Vimeo.
Where are mortgage rates going?
Rates move sideways as Fed meeting begins
The Federal Open Market Committee kicks off its two-day meeting today.
Financial market participants are moving slightly out of bonds and into stocks ahead of the event, pushing up Treasury yields.
The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, is up a couple basis points to 2.96%.
Mortgage rates tend to follow in the footsteps of the 10-year yield, so we’re seeing some mild upward pressure today.
While the Fed meeting is certainly on investors’ radar, there’s no reason to expect a massive swing in rates tomorrow afternoon.
It’s virtually guaranteed that the FOMC members will vote to keep the nation’s benchmark interest rate, the federal funds rate, unchanged from the prior meeting.
In fact, the language and tone are both expected to be little changed from the previous meeting.
Rate/Float Recommendation
Lock now before rates rise
Mortgage rates are holding at some of the highest levels of the year, but they are poised to continue moving higher.
If you’re considering buying a home or refinancing your current mortgage, it’s more likely right now that rates will rise than fall, so you’re best bet would be to lock in a rate soon.
Learn what you can do to get the best interest rate possible.
Today’s economic data:
FOMC Meeting Begins
The Federal Open Market Committee will begin a two-day meeting today. The event will end tomorrow with a written announcement out at 2pm.
PMI Manufacturing Index
The PMI Manufacturing Index hit a 56.5 for April.
ISM Mfg Index
The ISM Mfg Index came in at a 57.3 for April.
Construction Spending
Construction spending fell 1.7% month over month, putting it up 3.6% year over year.
Notable events this week:
Monday:
Personal Income and Outlays
Chicago PMI
Pending Home Sales Index
Dallas Fed Mfg Survey
Tuesday:
FOMC Meeting Begins
PMI Manufacturing Index
ISM Mfg Index
Construction Spending
Wednesday:
ADP Employment Report
EIA Petroleum Status Report
FOMC Meeting Ends
Thursday:
International Trade
Jobless Claims
Productivity and Costs
PMI Services Index
Factory Orders
ISM Non-Mfg Index
Friday:
Employment Situation
Fedspeak
*Terms and conditions apply.
Carter Wessman
Carter Wessman is originally from the charming town of Norfolk, Massachusetts. When he isn’t busy writing about mortgage related topics, you can find him playing table tennis, or jamming on his bass guitar.
Afro-pop music has been growing in popularity worldwide over the past few years, and Nigeria has been a hub for some of the genre’s most talented artists. In this article, we’ll take a closer look at some of the best Afro-pop musicians from Nigeria. From Burna Boy’s socially conscious lyrics to Yemi Alade’s activism and advocacy work, these artists have contributed to the rise and success of Afro-pop music in Nigeria and beyond.
1. Burna Boy
Burna Boy is a Nigerian Afro-pop singer, songwriter, and musician who rose to fame in 2012 with his debut album “L.I.F.E.” His music often addresses political and social issues, and he is known for his powerful vocals, socially conscious lyrics, and unique sound. Burna Boy has received several accolades for his music, including a Grammy nomination, and he is also involved in philanthropic activities through his organization “Reach.” He has collaborated with many international artists and is one of the most successful Afro-pop musicians of his generation.
2. Yemi Alade
Yemi Alade is a dynamic Nigerian singer/songwriter who took the music world by storm. Alade’s fame came in 2014 with her chart-topping single “Johnny,” which catapulted her to stardom and earned numerous accolades. Yemi Alade’s music is a mix of Afro-pop, R&B, and highlife with lyrics addressing love, relationships, and the meaning of life. Her hit albums include “King of Queens” (2014), “Mama Africa” (2016), and “Woman of Steel” (2019). But Yemi Alade is also an actress, with appearances in several Nigerian films and shows. Alade is a philanthropist too, and advocates for gender equality, working with organizations that support women and girls in Nigeria and across the globe. Alade has received countless awards and nominations for her music, including the Best Female West Africa at the 2015 African Muzik Magazine Awards and the Best International Act at the 2016 BET Awards. In 2020, Yemi Alade was honored with the ELOY Awards for Female Artist of the Year and the African Entertainment Legend Awards for Female Artist of the Year. Yemi Alade is an exceptional artist and activist who is using her talent to promote African culture and female empowerment.
3. Rema
Rema, whose birth name is Divine Ikubor, is a Nigerian singer, rapper, and songwriter hailing from Benin City. He developed a passion for music at a young age and began creating music in his teenage years. In 2019, Rema became a sensation with the release of his self-titled debut EP, which featured chart-topping hits like “Dumebi,” “Iron Man,” and “Corny.” His distinctive blend of Afrobeat, trap, and pop propelled him to stardom in Nigeria and beyond. Since then, Rema has released several successful projects, including “Bad Commando EP” (2019), and the “Rema Compilation” (2021). He has also collaborated with numerous international artists, such as Becky G, Manny Norté, and Skepta. Rema’s music frequently addresses themes of love, youth, and success. He is recognized for his catchy melodies, smooth delivery, and versatile style. His seamless blending of various genres and distinctive approach to music have earned him praise. Rema is also engaged in various charitable efforts. He has leveraged his platform to advocate for better education and healthcare in Nigeria.
4. Simi
Simisola Kosoko, professionally known as Simi, is a Nigerian singer, songwriter, and actress, and she began her career as a gospel singer before transitioning to mainstream music and gaining fame with her hit single “Tiff” in 2014. Simi’s music combines afrobeats, pop, and R&B, with lyrics touching on themes of love, relationships, and societal issues. Apart from her music career, she is also an accomplished actress, having appeared in various Nigerian movies and TV shows. Simi has won numerous awards for her music, including Best Female Vocal Performance at the 2018 Headies Awards and Album of the Year at the 2019 Headies Awards, and has been actively involved in philanthropic activities supporting education and healthcare in Nigeria.
5. Fireboy
Fireboy, a Nigerian singer and songwriter, was born Adedamola Adefolahan in Abeokuta, Ogun State. After studying English language at Obafemi Awolowo University, he signed with YBNL Nation in 2018, founded by rapper Olamide. Fireboy’s music blends Afrobeat, R&B, and soul, exploring themes of love, heartbreak, and self-discovery. He gained recognition with his debut album “Laughter, Tears, and Goosebumps” in 2019, featuring hit songs like “Jealous” and “What If I Say.” Fireboy has won awards for his music and supports philanthropic causes like education and healthcare, making him one of Nigeria’s best artists.
6. Tiwa Savage
Tiwa Savage is a Nigerian singer, songwriter, and actress. Tiwa began her music career as a backup vocalist for international artists such as George Michael and Mary J. Blige, before moving to Nigeria to pursue her own music career. She gained mainstream success in 2010 with her debut single “Kele Kele Love” and has become an influential female artist in Nigeria. Tiwa’s music is a blend of afrobeats, R&B, and pop, with lyrics that explore themes of love, relationships, and female empowerment. She has released a lot of successful work, including “Once Upon a Time” (2013) and “Sugarcane” (2017). Tiwa has won several awards and nominations for her music, including the Best African Act at the 2018 MTV Europe Music Awards. She has also been recognized for her involvement in the #EndSARS protests against police brutality in Nigeria in 2020.
7. Davido
Davido, born David Adedeji Adeleke, is a renowned Nigerian singer, songwriter, and record producer. He was born in Atlanta, Georgia, USA, but grew up in Lagos, Nigeria. He comes from a wealthy family: his father was a successful businessman. Davido began his music career in 2011 and gained fame with his debut single “Back When” in 2012. He is known for his blend of afrobeats, hip-hop, and pop, with lyrics celebrating success and wealth. Some of his popular songs include “Dami Duro,” “Fall,” “Assurance,” and “Fem.” He has won numerous music awards, including the Best International Act at the 2018 BET Awards and the Artist of the Year at the 2018 Headies Awards. He has also collaborated with local and international artists such as Chris Brown, Meek Mill, and Nicki Minaj. Apart from music, Davido founded Davido Music Worldwide (DMW) record label, which helped launch the careers of many Nigerian artists. He also supports charitable causes such as education, healthcare, and youth empowerment.
8. Wizkid
Wizkid, whose real name is Ayodeji Ibrahim Balogun, is a Nigerian singer, songwriter, and record producer. He started his music career in 2001 and gained recognition in 2010 with the release of his debut album “Superstar.” Wizkid’s music is a blend of afrobeats, reggae, and hip-hop, and he is known for his unique voice, catchy hooks, and infectious beats. He has collaborated with several artists, including Drake, Beyonce, and Skepta, and has won numerous awards for his music, including the Best International Act at the 2017 MOBO Awards and the Best African Act at the 2016 MTV Europe Music Awards. Wizkid is also involved in philanthropic activities and has used his platform to support causes like education and healthcare.
9. Tems
Tems is a Nigerian singer, songwriter, and producer known for her alternative R&B, soul, and afrobeats sound. She gained recognition with her debut single “Mr. Rebel” in 2018 and has since released successful projects like “For Broken Ears” and “If Orange Was A Place.” Tems has collaborated with several local and international artists and has won awards for her music. Tems’ music is also characterized by her powerful voice and soulful delivery, which have earned her comparisons to iconic singers like Nina Simone and Lauryn Hill. Her distinctive sound and artistic vision help her standout in Nigeria’s vibrant music scene, and she is poised for success in the years to come. She is also involved in philanthropic activities and advocates for social justice and human rights.
10. Falz
Falz, born Folarin Falana, is a multi-talented Nigerian artist who has made an impact on the music and entertainment industries, and the legal profession. His music blends afrobeats and highlife, and has been praised for lyrics that address corruption, inequality, and police brutality. Falz is also an accomplished actor, starring in several Nigerian movies and television shows, and a qualified lawyer, with a law degree from the University of Reading in the United Kingdom and a barrister and solicitor of the Nigerian Bar Association. Falz’s impact on Nigerian society extends beyond his artistic and legal achievements. He has been recognized for his involvement in the #EndSARS protests against police brutality in Nigeria in 2020. He has also been vocal about issues such as women’s rights and better governance in Nigeria. Falz has won numerous awards for his music and acting, including Best Supporting Actor at the 2015 Africa Magic Viewers’ Choice Awards and Best Rap Album at the 2016 City People Entertainment Awards. He has also been named one of the most influential young Africans by Forbes Africa and included in the annual “30 Under 30” list by Forbes Magazine.
11. Kizz Daniel
Kizz Daniel is a Nigerian singer, songwriter, and performer, whose real name is Oluwatobiloba Daniel Anidugbe. He gained mainstream success in 2014 with his hit single “Woju.” Daniel’s music is a blend of afrobeats, highlife, and contemporary R&B, with lyrics that focus on love and relationships. He has released several successful albums, including “New Era” (2016) and “No Bad Songz” (2018), and has collaborated with several local and international artists. Kizz Daniel has won numerous awards for his music and is considered one of the most popular and successful musicians in Nigeria today.
12. Patoranking
Patrick Nnaemeka Okorie, also known as Patoranking, is a Nigerian reggae-dancehall singer and songwriter. Born on May 27, 1990, in Lagos, he started his music career in 2009 but achieved mainstream success in 2013 with the hit single “Alubarika” featuring Timaya. His music addresses themes of love, social justice, and personal struggles and has won him numerous awards, including the Best African Act at the 2015 MTV Europe Music Awards. Patoranking is also known for his philanthropic work, including the Patoranking Scholarship Programme, which supports underprivileged children’s education in Nigeria.
In conclusion, Afro-pop music is a genre that continues to grow and evolve, with countless talented artists contributing to its rich and diverse soundscape. From the socially conscious lyrics of Burna Boy to the infectious rhythms of Yemi Alade, these 12 musicians have made an indelible mark on the Afro-pop world. There’s no doubt these artists will continue to captivate audiences with their music, activism, commitment to promoting African culture.
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Modest Relief Rally as Headline Risk Comes and Goes
By:
Matthew Graham
Wed, Jun 28 2023, 4:17 PM
Modest Relief Rally as Headline Risk Comes and Goes
Unlike yesterday, bonds didn’t have any market moving economic reports to provide guidance in the morning. Instead, traders were a bit apprehensive ahead of the SINTRA conference in Europe as the heads of the world’s two largest central banks were slated to comment on monetary policy (jargon translation: “headline risk”). As the headline risk faded (Powell and Lagarde didn’t say anything too scary), bond buyers filed back into the market, ultimately ushering yields to new lows in the afternoon hours.
Wholesale Inventories
-0.1 vs -0.1 prev
09:57 AM
Slightly stronger overnight, but losing some ground into domestic hours. 10yr still down 2.2bps at 3.75. MBS still up 2 ticks (.06).
12:11 PM
Best levels of the day. MBS up nearly a quarter point. 10yr down 4.3bps at 3.729.
01:09 PM
Reasonably strong 7yr auction. 10yr yield down 5.5bps at 3.717. MBS up 6 ticks (.19).
03:56 PM
Sideways at the same levels from the last update. MBS up 6 ticks (.19) and 10yr yields down 5.5bps at 3.717.
Download our mobile app to get alerts for MBS Commentary and streaming MBS and Treasury prices.
Chicago-based Guaranteed Rate, a top 10 U.S. mortgage lender, acquired Sirva’s shares at Premia Relocation Mortgage and now has full ownership of the business, the companies announced on Friday. The financial terms of the transaction were not disclosed.
Premia, which provides a relocation mortgage service for employees moving across the country or to other countries, has a digital platform called DigitalMove. According to the mortgage data company Modex, Michigan-based Premia has three branches, 21 active loan officers, and originated about $670 million in mortgages in the last 12 months.
“With this change in place, we can provide our customers with an even wider range of products and specialized services,” Victor Ciardelli, Guaranteed Rate’s founder and CEO, said in a statement. “The increased investment in technology and additional resources GRI brings will enhance and strengthen an already established foundation.”
Premia‘s production represents a small share of G-Rate’s origination volume, which reached $7 billion in the first three months of 2023. It fell 58.8% compared to the same period of last year but was enough to give Guaranteed Rate the sixth position among the largest mortgage lenders in the country, according to Inside Mortgage Finance (IMF).
Guaranteed Rate inherited Premia, a joint venture with Sirva, when it acquired multi-channel lender Stearns Holdings for an undisclosed sum in January 2021, bringing in a $20 billion lender that gave the company direct access to the wholesale channel, a network of talented underwriters and compliance specialists and several highly profitable joint ventures.
One year after the acquisition, G-Rate closed Stearns wholesale channel and laid off hundreds of employees. In a letter to brokers about shutting down the Stearns wholesale channel, Ciardelli wrote that the company had decided to focus on leveraging its “industry-leading purchase platform augmented by the best loan officers in the business.”
In May 2023, G-Rate adopted the technology company Gateless‘s Smart Underwrite solution, which aims to significantly reduce the time and effort involved in the origination process, potentially leading to faster, if not instant, borrower approvals.
Before that, the company expanded its program to approve loans within 24 hours nationwide. Dubbed the “Same Day Mortgage,” it aimed at giving a competitive edge to first-time buyers who are competing against the all-cash buyers who make up 28% of home purchases, the lender said.
Moving can fire up a rollercoaster of emotions. The early rush of excitement may give way to stress over the looming to-do list of all that needs to happen before the big move.
Like any life transition, moving requires a lot of preparation. Thankfully, there’s no shortage of ways to help streamline the process.
Below are some tips that could make moving more efficient, including a guide to common costs to prepare for.
How to Streamline a Move
Here are a few helpful suggestions whether you’re easing into a new townhouse, apartment, condo, or home.
Get Rid of Unwanted Items
Moving is a chance to let go of items that have gone unused for months or years.
In addition to being able to get rid of unwanted “stuff,” decluttering can help you cut back on moving expenses. With fewer things to move from point A to point B, there’s less need for packing materials or an extra large moving truck. It may even help make the move speedier and more cost-effective, since there’s less stuff to carry (or pay someone else to carry). What’s more, reducing how much you have can also help ensure your new place won’t feel overstuffed.
Prepare Early
As you declutter, it can be useful to identify boxes and packing materials needed during the move, such as packing tape, markers, labels, scissors, newspaper, and bubble wrap. Why spend money on new cardboard boxes when there are likely unused boxes already lying around your home or at friends’ places? A visit to local recycling drop-off points may be in order, as it’s possible they’ll have free cardboard boxes available there, too.
Consider starting off your packing a few weeks ahead of time, with non-essential items like out-of-season clothes or kitchenware that’s rarely used. And consider taking photos of all valuable items as you go. This way, if anything breaks or movers damage something during the move, it will be easier to file a claim and receive reimbursement for it.
Tie Up Loose Ends
Moving to a new area? Consider making a list of everyone you’ll want to contact once you’re settled in your new place.This may include:
• Friends and family members
• U.S. Post Office
• Employers
• Credit card companies and other financial institutions
• Service providers (e.g., water bill or internet)
If you’re hoping to keep utilities or services with a specific provider, it may help to call ahead of time to verify if those services are offered in the area you’re moving to and if the service can be transferred to your new address on or after move-in day.
Keep in mind if you’re starting a new service with a new company, you may need to notify them weeks in advance so they have enough time to schedule a technician’s visit or mail out the necessary equipment.
If you’re leaving the region, you’ll also want to make a note to cancel recurring memberships at local-only businesses, such as gyms and fitness centers.
Organize Moving Documents
From leases to service contracts to quotes from moving companies, there’s a lot of paperwork to manage with a move. It can help to keep all important documents organized in a single folder (and be sure to print out a copy of any documents sent to you electronically). Some paperwork to include in the moving folder could be:
• Old leasing agreements
• A new signed lease (if renting again)
• Invoices from professional movers
• Receipts associated with the move
The paperwork may even come in handy after you move. Members of the U.S. Armed Services may be able to deduct moving expenses, for example. And some companies will reimburse employees who are moving to accept a new job for common moving expenses. Talk to your human resources department to find out if you qualify and which receipts or invoices will be required for documentation.
Prepare a Tip for the Movers
For those who plan to hire professional movers, setting aside cash in an envelope could help when it comes time to tip. Often, people tip their movers if they’re happy with the job they completed. Taking out cash the day before a move can simplify tipping, as it’s one less thing to think about during moving day.
Recommended: The Ultimate Moving Checklist
Common Moving Expenses
When budgeting for a move, it can be useful to plan for expenses that can add up quickly.
Understanding Professional Moving Costs
If you’re moving yourself, plan on paying an average of $50 per day to rent the truck, and budget more for mileage, gas, tolls, and other expenses.
If you’re hiring professionals for the job, you can expect to pay quite a bit more. An in-town move that uses a team of two movers could cost an average of $80 to $100 per hour, according to Consumer Affairs. Moving to another state? Be prepared to spend upwards of $5,000 or more, depending on how far you’re going and the amount of stuff you’re hauling.
You may also want to consider whether to budget for packing services, which typically runs anywhere from $300 to $500, and moving insurance, which protects you in case your items are lost or damaged during the move.
If you’re looking to save a little money — and your schedule is flexible — you may want to look into moving during the middle of the week or middle of the month, when demand tends to be lower.
Estimating Transportation Costs
In addition to budgeting for the cost of moving your things, it’s good to calculate the expense of transporting yourself to your new home. Be sure to factor in expenses such as flights, lodging, food, rental car, and gas.
Other Supplies and Expenses
You might already be loading up on bubble wrap, packing tape, boxes, and labels. But there may be other moving-day essentials to consider.
1. Cleaning supplies: Many landlords expect outgoing tenants to leave a property just as they found it: clean and empty. Be sure you have a mop, broom, cleaners, and sponges on hand.
2. Repairs and renovations: Whether you’re patching holes in your old place or making upgrades in your new home, consider budgeting for any renovations or repairs.
3. Furniture and other home items: You may find that when you move into your new space, you need to buy some new furniture. You may want to set aside a little extra for these purchases.
4. New license and vehicle registration: If you’re moving across the country, you may need to calculate the cost of getting a new driver’s license and registration in a different state. Fees for getting a new license and vehicle registration vary by state.
Recommended: Things to Budget for After Buying a Home
The Takeaway
Whether you’re relocating across town or across the country, moving can be exciting. But it can also be stressful and expensive. To help streamline the process, you can remove and donate any unwanted items, assemble your supplies and the movers’ tip ahead of time, organize all the moving documents in one place, and alert family, friends, employers, and creditors of your new address.
It also helps to prepare your budget. A DIY move is often the most affordable option — on average, it costs around $50 per day to rent a truck, which does not include mileage, gas, tolls, and other expenses. A professional mover costs substantially more. An in-town move that uses a two-person team may cost around $80 to $100 per hour, but that price could climb into the thousands for an interstate move.
Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. Checking your rate takes just a minute.
SoFi’s Personal Loan was named NerdWallet’s 2023 winner for Best Online Personal Loan overall.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
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.
Open a BMO Harris Premier™ Account online and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days of account opening. Expires 9/15. Conditions Apply.
Decision fatigue is a real thing for folks in the market for a new rewards credit card. If you’re tired of evaluating the ins and outs of credit card rewards programs, there’s no shame in settling for a simple, easy-to-understand alternative.
The SoFi Credit Card is just such an alternative. And it doesn’t require much in the way of settling. It earns a flat 2% cash back on most eligible purchases and 3% back on select travel purchases — plenty generous for a no-annual-fee credit card.
The SoFi Credit Card can’t be everything to everyone, of course. Before you apply, make sure it has all the features and benefits you expect from a rewards credit card.
What Is the SoFi Credit Card?
The SoFi Credit Card is a cash-back credit card with no annual fee. It earns 2% cash back on most eligible purchases and 3% cash back on eligible purchases through SoFi Travel, which uses Expedia’s booking engine.
The SoFi Credit Card is somewhat unusual in that it doesn’t require applicants to have a U.S.-based bank account to qualify. If you’re approved for the card and don’t have a bank account, you can make payments through the SoFi app. You don’t need to use any other SoFi products to qualify for the SoFi Credit Card.
The SoFi Credit Card has some benefits beyond its rewards program, including up to $1,000 in cell phone insurance and monthly credits against eligible Lyft purchases.
What Sets the SoFi Credit Card Apart?
The SoFi Credit Card stands out from comparable cash-back credit cards for a few reasons:
Up to 3% back on eligible travel purchases. You earn unlimited 3% cash back when you book travel through SoFi Travel, which uses Expedia’s travel booking platform. Travel purchases not booked through SoFi Travel earn unlimited 2% back.
Up to $1,000 in cell phone protection. This cell phone protection plan is more generous than most credit cards’, which top out at $600 to $800 per claim.
No bank account needed to qualify. You can qualify for this card without a bank account, though you still need the SoFi app to make payments.
No sign-up bonus. One notable drawback of the SoFi Credit Card is its lack of a sign-up bonus for new cardholders. This could change in the future, but it’s an issue as of now.
Key Features of the SoFi Credit Card
The SoFi Credit Card has a straightforward rewards program and some notable benefits beyond it. Take a few minutes to familiarize yourself with its features before moving ahead with your application.
Earning Rewards
Most eligible purchases earn unlimited 2% cash back. There’s just one exception: Travel purchases made through the SoFi Travel platform earn unlimited 3% cash back.
Redeeming Rewards
You can redeem your accumulated cash-back rewards for:
Cash deposited into a linked external bank account or a SoFi checking account
Investments (including stocks and exchange-traded funds) purchased through SoFi’s investing platform
Payments on eligible SoFi loans
Statement credits against prior SoFi Credit Card purchases
Redemptions for cash, investments, and loan payments are worth $0.01 per cash-back point. Statement credit redemptions are worth only $0.005 per point, so they’re best avoided.
Cell Phone Protection
This card comes with a complimentary cell phone protection plan that reimburses you up to $1,000 per claim. A deductible and annual claim limits may apply.
Other Benefits
This card comes with some other potentially valuable benefits, including:
Up to $5 in monthly credits against eligible Lyft purchases
A complimentary annual membership to Shoprunner, which offers free two-day shipping on eligible online purchases
A complimentary three-month subscription to DoorDash DashPass, which offers a $0 delivery fee on qualifying orders and other perks
Important Fees
The SoFi Credit Card has no annual fee or foreign transaction fee. Other fees may apply, including for balance transfers and cash advance transactions.
Credit Required
This card requires good to excellent credit. You’re unlikely to qualify with a credit score significantly below 700 on the FICO scale.
Pros & Cons
These are the most notable upsides and downsides of the SoFi Credit Card.
No annual fee
Up to 3% cash back on eligible purchases
Up to $1,000 in cell phone protection per claim
No external bank account needed to qualify
No sign-up bonus
No 0% intro APR offer
Few benefits beyond the rewards program
Pros
The SoFi Credit Card is a low-cost, relatively high-reward credit card with some potentially valuable benefits.
No annual fee. This card has no annual fee. You won’t pay anything out of pocket to keep it active, even if you rarely use it.
2% cash back on most eligible purchases. This card earns a flat, unlimited 2% back on most eligible purchases. That makes it an above-average credit card for everyday spending.
Up to 3% back on select travel purchases. You earn 3% cash back when you book travel through SoFi Travel, an online travel portal powered by Expedia. There’s no limit to how much you can earn on eligible purchases.
Unusually generous cell phone protection. This card’s cell phone protection plan covers more than the average credit card’s. It tops out at $1,000 per claim, against $600 to $800 elsewhere.
Credits against Lyft purchases and other potentially valuable perks. You get $5 off Lyft purchases each month, plus a free annual membership to Shoprunner, which could save you a bunch on shipping if you buy a lot online from participating merchants. The three-month complimentary DoorDash DashPass benefit is appealing if you regularly order delivery.
No foreign transaction fee. This card has no foreign transaction fee, so it’s useful if and when you travel abroad or make purchases with overseas merchants.
No bank account needed to qualify. You don’t need a bank account to qualify for the SoFi Credit Card. You can make payments through the SoFi app instead.
Cons
The SoFi Credit Card lacks the more generous features common to top cash-back and travel rewards credit cards.
No way to earn more than 3% cash back. There’s no way to earn cash back at a rate higher than 3% with this card. Some competing cash-back cards offer 5%, 8%, even 10% cash-back tiers.
No sign-up bonus. The SoFi Credit Card has no sign-up bonus. This is a notable drawback for new cardholders eager to start earning rewards.
No 0% intro APR offer. Unlike many competing credit cards, the SoFi Credit Card has no introductory interest-free period. This is a drawback if you need to pay down high-interest balances accrued on another card or you’re planning to make a big purchase that you’d rather not pay off all at once.
Limited travel perks. The SoFi Credit Card has little in the way of travel perks, such as discounts or rewards at participating hotels and airport lounge access.
How the SoFi Credit Card Stacks Up
The SoFi Credit Card is similar to numerous other cash-back credit cards that earn 2% back on most or all eligible purchases. Before you apply, see how it compares against another popular option: the Wells Fargo Active Cash Card.
SoFi Credit Card
Wells Fargo Active Cash
Sign-Up Bonus
No
Yes
2% Cash Back
Eligible purchases except SoFi Travel
All eligible purchases
3% Cash Back
SoFi Travel purchases
None
Annual Fee
$0
$0
0% Intro APR
No
Yes, 15 months on purchases and balance transfers
The SoFi Credit Card is the clear winner if you travel regularly thanks to its 3% cash-back rate on SoFi Travel purchases. But Wells Fargo Active Cash is a better choice if you’re seeking a sign-up bonus or 0% intro APR offer as a new cardholder.
Final Word
The SoFi Credit Card is a straightforward cash-back credit card that’s easy even for credit card novices to understand and use effectively. And that’s a good thing if you’re tired of comparing the minutiae of credit card rewards programs — or don’t want to start doing that in the first place.
Then again, the SoFi Credit Card has some important missing elements. It has no sign-up bonus or 0% intro APR offer, and it lacks some of its peers’ more generous travel perks. It’s not a bad card by any means, but you can do better if you’re willing to shop around.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
The Verdict
Our rating
SoFi Credit Card
The SoFi Credit Card is a straightforward cash-back card that earns 2% back on most purchases and 3% back on eligible travel purchases. With no annual fee and potentially valuable perks beyond its rewards program, it easily pays for itself. But the missing sign-up bonus and 0% intro APR offer lessen its appeal.
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Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he’s not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.
Some softer than expected inflation data is keeping mortgage rates from moving out of the tight range that they’ve been in all week. Tomorrow we will get more inflation data, bringing with it the possibility of a rate adjustment before we head into the weekend. Read on for more details.
Where are mortgage rates going?
Rates flatten out again
Believe it or not there are some exciting weeks for mortgage rates. This has not been one of those weeks.
It’s not unexpected for the week following the monthly jobs report to be a dull one, so I can’t say I didn’t see it coming.
There just hasn’t been many significant economic reports out this week and the few reports that did get released weren’t much to talk about.
Today, we got the latest Consumer Prices Index reading, which came in slightly below expectations.
That means the inflation hawks will have to wait another day before they can rile up the troops with their talk of a quicker than expected tightening schedule from the Federal Reserve.
Here are the latest numbers in the Freddie Mac Primary Mortgage Market Survey:
The average rate on a 30-year fixed rate mortgage remained unchanged at 4.55% (0.5 points)
The average rate on a 15-year fixed rate mortgage fell two basis points to 4.01% (0.4 points)
The average rate on a 5/1-year adjustable rate mortgage rose eight basis points to 3.77% (0.3 points)
Here’s what their Economic & Housing Research group had to say about rates this week:
“The 30-year fixed mortgage rate remained at 4.55 percent over the past week.
The minimal movement of mortgage rates in these last three weeks reflects the current economic nirvana of a tight labor market, solid economic growth and restrained inflation. As we head into late spring, the demand for purchase credit remains rock solid, which should set us up for another robust summer home sales season.
While this year’s higher rates – up 50 basis points from a year ago – have put pressure on the budgets of some home shoppers, weak inventory levels are what’s keeping the housing market from a stronger sales pace.”
Rate/Float Recommendation
Locking now is likely the smart move
Mortgage rates are staying in a tight range for now but could very well be on track to increase substantially by the time 2019 rolls around.
At the very least, it’s far more likely that mortgage rates will rise than fall in the coming weeks and months.
So if you’re looking to buy a new home or refinance your current mortgage, the better option is likely to lock in a rate sooner rather than later.
Learn what you can do to get the best interest rate possible.
Today’s economic data:
Consumer Price Index
The consumer price index rose 0.2% month over month in April, putting it at 2.5% year over year. CPI less food and energy ticked up 0.1%, month over month putting it at 2.1% year over year.
Jobless Claims
Applications filed for U.S. unemployment benefits came in at 211,000 for the week of 5/5/18. That brings the four-week moving average to 216,000.
Bloomberg Consumer Comfort Index
The Bloomberg consumer comfort index hit a 55.8 for the week of 5/6/18.
Notable events this week:
Monday:
Tuesday:
NFIB Small Business Optimism Index
JOLTS
Wednesday:
PPI-FD
10-Yr Note Auction
Fedspeak
Thursday:
Consumer Price Index
Jobless Claims
Bloomberg Consumer Comfort Index
Friday:
Fedspeak
Consumer Sentiment
*Terms and conditions apply.
Carter Wessman
Carter Wessman is originally from the charming town of Norfolk, Massachusetts. When he isn’t busy writing about mortgage related topics, you can find him playing table tennis, or jamming on his bass guitar.
Located along the Chesapeake Bay, there are countless coastal and beach towns in Maryland. With sparkling seas, white sands, boating, and sightseeing, these picturesque Maryland beach towns are some of the best around. There are lots of bayside cities to check out in Maryland, whether you’re moving to the state or hoping to move to the coast.
But if you’re not sure where to start on your hunt for the best Maryland beach town, we’re here to help. From Annapolis to Ocean City, Redfin has gathered a list of 9 beach towns in Maryland. Let’s dive into some of Maryland’s top beach cities, listed in alphabetical order, so you can find the right place for you.
#1: Annapolis
Median home price: $575,000 Average rent for a one-bedroom apartment: $2,425 Annapolis, MD homes for sale Annapolis, MD apartments for rent
About 40,700 people live in our first coastal Maryland town, Annapolis. While there are no beaches in Annapolis, there are many picturesque oceanfront spots to explore. If you’re considering moving to this town make sure to check out some of the museums and historical landmarks like the Annapolis Maritime Museum and the William Paca House & Garden, explore downtown Annapolis, and visit Acton’s Cove Waterfront Park.
#2: Betterton
Median home price: $540,000 Betterton, MD homes for sale Betterton, MD apartments for rent
Another one of Maryland’s great coastal towns to consider buying a home in is Betterton, home to just about 290 people. Living in Betterton, you’ll want to explore the quaint town and visit beaches like Betterton Beach.
#3: Chesapeake Beach
Median home price: $597,500 Chesapeake Beach, MD homes for sale Chesapeake Beach, MD apartments for rent
The town of Chesapeake Beach is home to about 6,500 residents. There are countless beaches to explore on a sunny Maryland day – Bayfront Beach, Brownies Beach, and Chesapeake Beach. Make sure to walk along the Chesapeake Beach Railway Trail and explore the downtown area if you move to Chesapeake Beach.
#4: Crisfield
Median home price: $298,000 Crisfield, MD homes for sale Crisfield, MD apartments for rent
Home to beautiful beaches like Crisfield’s Wellington Beach, there are many places to spend a beach day. With roughly 2,500 residents in Crisfield, make sure to also take a fishing charter on the water or check out one of the local restaurants.
#5: North Beach
Median home price: $395,000 North Beach, MD homes for sale North Beach, MD apartments for rent
The charming coastal town of North Beach has about 2,200 residents, making it another great option. You’ll find stunning beaches such as the aptly named North Beach. In North Beach, you can check out the parks like Wetlands Overlook and Sunrise Gardens.
#6: Ocean City
Median home price: $429,000 Ocean City, MD homes for sale Ocean City, MD apartments for rent
With just about 6,900 people living in Ocean City, it’s a great beach town to consider living in. Some beaches you can visit are Maryland Beach and Ocean City Beach. You’ll have easy access to what makes this beach town unique, so make sure to check out the Jolly Roger Amusement Park, explore the Ocean City Boardwalk, and rent a jet ski or boat for some adventure.
#7: Oxford
Median home price: $310,000 Oxford, MD homes for sale Oxford, MD apartments for rent
With a population of only about 610, Oxford is a charming and cozy beach town to live in. If you find yourself moving to this village, make sure to stop by one of the historical spots in Oxford, spend the day in Oxford Beach, or grab a bite at one of the riverfront restaurants.
#8: Solomons
Median home price: $390,000 Solomons, MD homes for sale Solomons, MD apartments for rent
Located along the Patuxent River is Solomons, where you’ll find amazing beaches such as Solomons Island, great for taking in the water views. Living in Solomons, be sure to visit the Calvert Maritime Museum, eat at one of the many local restaurants, or spend the afternoon fishing.
#9: Stevensville
Median home price: $450,000 Stevensville, MD homes for sale Stevensville, MD apartments for rent
Just about 8,100 people live in Stevensville, located on Kent Island, where you’ll find beaches like Matapeake Beach and Terrapin Nature Park. Other popular things to do in Stevensville include taking a fishing charter, exploring Terrapin Nature Park, or visiting one of the wineries or breweries in town.
Note, this list is not comprehensive of all the beach towns in Maryland. Median home sale price data from the Redfin Data Center during June 2023. Average rental data from Rent.com June 2023. Population data sourced from the United States Census Bureau.