‘The Northman’ Actor Alexander SkarsgÃ¥rd Lists Historic Manhattan Pad for $2.6 Million

True Blood alum Alexander Skarsgård is ready to part ways with his historic East Village co-op.

The actor — who’s currently entertaining movie goers as the avenging Viking prince Amleth in the action-filled epic The Northman, now playing in cinemas — is looking to fetch $2,599,000 for his New York City home.

According to our sources, Skarsgård bought the apartment approximately 5 years ago, then embarked on an extensive renovation process that modernized the unit without altering its historic character.

Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner

The studio apartment has loft-like proportions and stands out with its exposed brick walls, tall, wood-beamed ceilings, and stunning pre-war details.

Among the latter: a wood-burning marble fireplace that anchors the living area, as well as original pocket shutters.

Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner
Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner

Bathed in light by five skylights, three southern-facing windows and a large casement window, the studio apartment boasts carefully refurbished original pine flooring.

As part of the extensive renovation work, the Swedish actor also added a brand new kitchen — fitted with custom European white oak cabinetry, Carrara marble countertops, a Bertazzoni range and Bosch refrigerator and dishwasher. 

Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner

During Alexander Skarsgård’s ownership, the apartment was configured as a one-bedroom — and a stunning one at that.

The bedroom is also skylit, for residents to enjoy clear, starry nights (or utter privacy thanks to its electric shades) and features plenty of storage, maximized by custom European white oak floor-to-ceiling closets.

But it can easily accommodate a second bedroom, and future owners can also add a private roof deck with views of Downtown Manhattan and the Freedom Tower. According to the listing, roof rights are included with the sale.

Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner
Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner
Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner
Inside Alexander Skarsgård’s apartment in Manhattan. Photo credit: Yale Wagner

Skarsgård’s apartment is set inside an East 10th Street townhouse that, alongside five other 19th century buildings, form a highly coveted cooperative of 29 apartments.

The building sits on one of the most idyllic tree-lined blocks of the East Village, between Second and Third Avenues in the St. Mark’s Historic District.

The desirable location places it within blocks of Union Square, Astor Place, and Tompkins Square Park.

Emma St. Laurent of Compass holds the listing.

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Source: fancypantshomes.com

The Best Student Loans of May 2022

College costs are overwhelming for a lot of families. So students turn to student loans to cover them. Most students, following expert recommendations, start with federal student loans, but those aren’t always enough to cover costs.

When federal student loans don’t cut it, you can turn to private student loan lenders to fill in the gap.

Unlike federal student loans, private student loans offer a variety of options for interest rates, loan amounts and terms that could make picking one daunting. So we’ve pulled together a list of some of the best student loans available to make it easier for you to compare and vet your options.

Federal student loans have been in the news a lot lately as the U.S. Education Department has

Keep reading below the table for more details on every lender, plus all the information you need to find the college funding plan that’s right for you and your family.

Interest rates accurate as of late April 2022 and subject to change. Variable rates listed are margins added to a base rate such as LIBOR or SOFR, which could add around 0.30% to 1%.

Best Student Loans at a Glance

Lender Variable APR with Autopay Fixed APR with Autopay Loans for
Credible 0.94% – 11.98% 3.02% – 14.08% Undergrad and grad, refinancing
Earnest Starting at 0.94% Starting at 2.99% Undergrad and grad
College Ave 0.94% – 11.98% 3.24% – 12.99% Undergrad, grad and career training, refinancing
Sallie Mae 1.13% – 11.23% 3.50% – 12.60% Undergrad, grad and career training
SoFi 1.05% – 11.78% 3.47% –11.16% Undergrad and grad, refinancing
Ascent .47% – 11.31% 4.36% – 12.75% Undergrad, grad, career training and bootcamp
LendKey Starting at 1.57% Starting at 3.99% Undergrad and grad, refinancing
Citizens Bank n/a 3.48% – 10.78% Undergrad and grad, refinancing
PNC Bank Starting at 1.09% Starting at 2.99% Undergrad, grad and career training, refinancing
Purefy 1.74% – 7.24% 2.43% – 7.94% Refinancing
Sparrow 0.99% – 11.98% 2.99% – 12.99% Undergrad, grad and career training, refinancing
Student Loan Authority n/a 2.99% – 4.61% Undergrad, grad and career training, refinancing
Chicago Student Loans n/a 7.53% – 8.85% Undergrad (juniors and seniors)
Funding U n/a 7.49% – 12.99% Undergrad
Discover 1.79% – 11.09% 3.99% – 11.59% Undergrad, grad and career training, refinancing
Splash Financial 1.74 – 8.27% 1.99% – 8.27% Undergrad, grad and career training, refinancing


Best for Comparing Loan Rates

4.5 out of 5 Overall

Key Features

  • Compares rates from top lenders
  • See multiple offers without hard credit check
  • Variable APR as low as 0.94%

Through Credible’s loan marketplace, you can fill out an application to see pre-qualified rates for multiple lenders in one place. Select options that work for you, like deferred or interest-only payments while you’re in school, fixed or variable rates, and loan terms that fit your plan. Once you choose a loan offer, you can finish your application and sign your loan agreement with the lender directly.


Variable APR

0.94% – 11.98%

Fixed APR

3.02% – 14.08%

Loans for

Undergrad and grad, refinancing


Best for Flexible Repayment Options

5 out of 5 Overall

Key Features

  • 9-month grace period
  • Skip one payment/year
  • Pay monthly or every two weeks

Earnest offers an easy-to-use, modern platform to find loans for undergrad, grad school and professional degrees with a nine-month grace period before beginning repayment after school. Loans come with an option to defer one payment every 12 months with no extra fees or interest. Apply online, and get an offer within 72 hours.


Variable APR

Starting at 0.94%

Fixed APR

Starting at 2.99%

Loans for

Undergrad and grad, refinancing

College Ave

Best for Affordable In-School Repayment

3.5 out of 5 Overall

Key Features

  • Variable APR as low as 0.94%
  • Parent and cosigned loans available
  • 4 repayment options

College Ave is a mainstay in student loans and refinancing. Apply for loans to cover undergrad, grad and professional degrees, and career training programs. The online application is quick and easy, and borrowers tout the company’s customer service, so you’ll be on top of your loan from application to repayment. Choose how you repay while you’re in school to save money and fit your budget.

College Ave

Variable APR

0.94% – 11.98%

Fixed APR

3.24% – 12.99%

Loans for

Undergrad, grad and career training, refinancing

Sallie Mae

Best for College Financial Planning

2 out of 5 Overall

Key Features

  • Faster applications for returning borrower
  • Scholarships available
  • Credit cards and banking options

Sallie Mae is a private lender and platform for financial products for students. The business no longer originates or services federal loans, as it’s most known for. Apply for private student loans, credit cards and savings accounts designed for students. With Multi-Year Advantage, returning borrowers have fast applications and high approval rates to make it easier to get your money each year.

Sallie Mae

Variable APR

1.13% – 11.23%

Fixed APR

3.50% – 12.60%

Loans for

Undergrad, grad and career training


Best for SoFi Banking Clients

4 out of 5 Overall

Key Features

  • No fees
  • Unemployment protection
  • Earn rewards to repay loans faster Summary

SoFi is well known for student loan refinancing, and it offers other types of loans including in-school student loans with no hidden fees. As a SoFi member, you get access to perks, including subscriptions to products like Grammarly, Evernote and Coursera, to support your education. With unemployment protection, you get forbearance on loans for up to three-month increments if you lose your job.


Variable APR

1.05% – 11.78%

Fixed APR

3.47% –11.16%

Loans for

Undergrad and grad, refinancing


Best for Graduated Repayment

4 out of 5 Overall

Key Features

  • Graduated repayment available
  • Hardship repayment options
  • Bootcamp loans available

Ascent offers student loans and scholarships for your full academic career. Apply online with no application fees to see your prequalified rates without a hard credit check. Use loans to pay for everything from a traditional undergrad or grad program to career training and even career-boosting bootcamps.


Variable APR

1.47% – 11.31%

Fixed APR

4.36% – 12.75%

Loans for

Undergrad, grad, career training and bootcamp


Best for Loan Reconnaissance

4 out of 5 Overall

Key Features

  • Work with community banks and CUs
  • Student loans and refinancing options
  • Rates as low as 1.57%

LendKey is a student loan servicer and a platform for finding the best student loan and refinancing options from partner community banks and credit unions. LendKey’s platform streamlines the process, so you get the benefit of working with a community-oriented institution without the headache of multiple application processes.


Variable APR

Starting at 1.57%

Fixed APR

Starting at 3.99%

Loans for

Undergrad and grad, refinancing

Citizens Bank

Best for Citizens Bank Customers

3 out of 5 Overall

Key Features

  • Loyalty discounts
  • Cosigner release option
  • Multi-Year Approval

Citizens Bank is an established financial institution with more than 40 years of experience providing student loans and other financial services. With multi year approval, you can get approved for new loans year after year with a faster application and no hard credit check. Citizens Bank customers can get an interest rate discount up to 0.25 percentage points.

Citizens Banks

Variable APR


Fixed APR

3.48% – 10.78%

Loans for

Undergrad and grad, refinancing


Best for Undergraduate Loans

2.5 out of 5 Overall

Key Features

  • Established traditional bank
  • Cosigner release option
  • Student loans and refinancing options

PNC Bank is one of the largest banks in the United States, with nearly 200 years of experience in financial services. Student loans and refinancing are among its vast services. The PNC Solution Loan is designed specifically for undergraduates, to bridge the gap when federal student loans don’t cover all your expenses. It also offers graduate and professional loans.

PNC Bank

Variable APR

Starting at 1.09%

Fixed APR

Starting at 2.99%

Loans for

Undergrad, grad and career training, refinancing


Best for Refinancing Student Loans

3 out of 5 Overall

Key Features

  • Student and parent loan refinancing
  • Compare multiple lenders
  • No hard credit check

Purefy is for anyone out of school, repaying student loans and looking for ways to save money. Use the platform to compare student loan refinancing options from multiple lenders side-by-side. The platform is free to use, and you can see prequalified rates in minutes. You can refinance private or federal loans through its partner lenders.


Variable APR

1.74% – 7.24%

Fixed APR

2.43% – 7.94%

Loans for



Best for Easy Student Loan Repayment

4 out of 5 Overall

Key Features

  • Compare offers from multiple lenders
  • App to automate loan repayment
  • Manage private and federal loans

Sparrow is a platform for student loans, refinancing and repayment in one place. You can fill out a single application to see prequalified offers from multiple partner lenders for private loans or refinancing. Then use the app to manage and automate repayment of your private and federal student loans in one place.


Variable APR

0.99% – 11.98%

Fixed APR

2.99% – 12.99%

Loans for

Undergrad, grad and career training, refinancing

Rhode Island Student Loan Authority

Best for Income-Driven Repayment

5 out of 5 Overall

Key Features

  • Income-based repayment available
  • Fixed interest rates
  • Less-than-halftime students eligible

RISLA is a nonprofit organization offering student loans and refinancing for borrowers all over the U.S. Its loans have more borrower protections than most private student loans: You have income-driven repayment options, a fixed interest rate and two repayment terms to choose from (10 or 15 years). Limited loan forgiveness is even available for students who complete internships.

Rhode Island Student Loan Authority

Variable APR


Fixed APR

2.99% – 4.61%

Loans for

Undergrad, grad and career training, refinancing

Chicago Student Loans

Best for Equitable Lending

4.5 out of 5 Overall

Key Features

  • Merit-based approval and interest rates
  • No cosigner needed
  • Income-based repayment options

Chicago Student Loans by A.M. Money works with limited schools around the Midwest, but if your school is eligible, this is a great option for equitable lending. Approval and interest rates are determined based on your academic achievement, not your credit or income. And income-based repayment plans are available if you can’t afford your monthly payment.

Chicago Student Loans

Variable APR



7.53% – 8.85%

Loans for

Undergrad (juniors and seniors)

Funding U

Best for Merit-Based Lending

5 out of 5 Overall

Key Features

  • Approval by GPA and non-credit factors
  • No cosigner needed
  • More than 1,000 eligible schools

Funding U makes undergraduate loans based on a student’s GPA, not their family’s credit history. It uses a credit check to set interest rates, but also factors in your GPA and year in school — the rate goes down as you progress nearer to graduation! Funding U works with more than 1,460 nonprofit colleges and universities.

Funding U

Variable APR


Fixed APR

7.49% – 12.99%

Loans for



Best for Rewards for Good Grades

3.5 out of 5 Overall

Key Features

  • No origination or late fees
  • Cash reward for good grades
  • Variable APR as low as 1.79%

In addition to its full suite of financial services, Discover offers student loans for undergrads, grad students and professional degrees with no origination or late fees. You’ll get rewarded for good grades: Get a 1% cash reward for each new loan if you have a GPA of at least 3.0 for the term(s) the loan covers.


Variable APR

1.79% – 11.09%

Fixed APR

3.99% – 11.59%

Loans for

Undergrad, grad and career training, refinancing

Splash Financial

Best for Refinancing Undergrad and Med School Loans

4.5 out of 5 Overall

Key Features

  • Compare offers from multiple lenders
  • No origination fees or prepayment penalties
  • Exclusive interest rates from partner lenders

Splash Financial lets you compare in-school student loans and student loan refinancing (and personal loans) from multiple lenders with a simple and quick online application. In addition to its search function, Splash partners with its lenders to offer exclusive interest rates — with fixed rates as low as 1.99% — to help you get the best deal possible.

Splash Financial

Variable APR

1.74 – 8.27%

Fixed APR

1.99% – 8.27%

Loans for

Undergrad, grad and career training, refinancing

Types of Student Loans

The first thing you need to know before applying for any student loans is the difference between federal and private student loans. These two types of loans are treated differently and offer significantly different options for repayment and forgiveness down the line, so know what you’re signing up for before you borrow.

Federal Student Loans

Federal student loans are backed by the U.S. government and make up the vast majority of student loans borrowed every year in the country.

Application: You apply for federal loans along with other types of federal student aid for college through the Free Application for Federal Student Aid, a form you fill out every year to demonstrate your family’s financial situation. The U.S. Department of Education (ED) approves basic undergraduate loans and grants based on financial need, not creditworthiness, so students can apply for federal financial aid without a cosigner.

Types of loans: The government makes four types of student loans: Direct Subsidized, Direct Unsubsidized, Direct PLUS for parents or graduate students, and Federal Perkins Loans for students with exceptional financial need. It also awards grants and work study awards based on financial need. PLUS loans are granted based on creditworthiness, but might still be easier to get than some private loans.

Interest rates: Federal student loan interest rates are standard and not based on a borrower’s credit history. Congress sets them each year for loans disbursed that year, and you keep that rate for the life of your loan. For example, the interest rate for 2021 was 3.73% for Direct undergraduate loans, 5.28% for graduate student loans and 6.28% for PLUS loans.

Repayment plans: The required repayment for federal student loans starts six months after leaving school (or going less than half time), and the standard repayment plan splits monthly payments evenly over 10 years. Subsidized loans don’t accrue interest while you’re in school, while unsubsidized loans do.

Federal student loans are originated and serviced by private institutions, but they’re backed by a guarantee from the federal government, so ED sets repayment terms. You can opt into a graduated payment plan or income-driven repayment, both which would extend your time to repay and could give you a more affordable monthly payment (as little as $0).

Only federal loans are eligible for forgiveness under programs like Public Service Loan Forgiveness and for national forbearance periods like we’ve seen during the pandemic. The pause on loan payback has been extended six times since the start of the pandemic.

Refinancing options: Even though you receive one lump payment (if you get a refund) each semester, you might have multiple student loans to your name. You can combine them with a Direct Consolidation Loan, a student loan consolidation option creates one balance and one monthly payment, and sets the interest rate at the average of all the loans. This isn’t a money-saving step, but could make repayment simpler.

You can also refinance federal student loans using a private refinancing option, which could save you money if you have strong credit and can keep up with payments. This would pay off your federal loan balances and replace them with a private loan. It removes the repayment and forgiveness options that come with federal loans.

Private Student Loans

Private student loans are consumer loans made by private banks, credit unions and financial institutions. They’re treated differently from other types of private loans, but don’t come with as much flexibility as federal loans.

Application: You apply for private student loans directly with the lender or servicer providing the loan. Lenders approve loans based on creditworthiness, just like other credit products, so you have to have a strong credit history or apply with a creditworthy cosigner to be approved. Most (but not all) lenders include an option to release the cosigner after a few years of steady payments.

Types of loans: Private student loan lenders typically offer student loans for undergraduate students, graduate students and professional degrees. Some also offer loans for career training or alternative education like bootcamps. The loans all offer the same basic terms, but interest rates and loan amounts usually vary based on the degree covered.

Interest rates: Private student loan interest rates are set based on creditworthiness and can range from less than 1% to 12% or more depending on the prime rate. Fixed rates are set when you take out a loan and stay the same for the life of the loan, while variable interest rates fluctuate up and down when the Fed adjusts the prime rate.

Repayment plans: Private lenders don’t offer the same amount of protection in repayment as the federal government, but they usually offer a variety of repayment options so you can choose a plan that helps you save money without being overwhelmed by payments. You usually get to choose whether to pay off interest and/or principal while in school, or defer all payments until six months or more after school.

Many private lenders offer forbearance options of a few months at a time, so you can pause payments due to financial hardship without defaulting on your loan. They don’t, however, offer income-driven repayment, so your monthly payment is unaffected by your ability to pay it.

Private student loans aren’t eligible for forgiveness under federal plans, but you might be able to discharge them in bankruptcy under limited circumstances.

Refinancing options: If your financial situation improves, you can apply to refinance your student loans with the same or a different private lender. This pays off your existing loans and replaces them with a new loan with better terms, like a lower interest rate or lower monthly payments.

Should You Take out a Federal or Private Student Loan?

Nearly every expert will tell you to use private student loans as your last resort to pay for school. First exhaust free funding, like grants, scholarships and work study. Then take on federal student loans. Then, if your costs aren’t covered, take out private student loans to fill the gap.

That’s because private loans are the riskiest of all those options.

Federal student loans may be subsidized to save on interest, and they come with flexible repayment plans that offer relief when your income is low. And they’re eligible for forgiveness for student loan borrowers who qualify. Most private loans don’t have those options.

However, private student loans could come with significantly lower interest rates than federal student loans if you have good credit. Federal loans come with standard rates between 3% and 7% and don’t reward good credit (or punish bad credit).

After exhausting free funding, the most ideal route is to borrow a subsidized federal loan — which won’t accrue interest while you’re in school — then consider refinancing once the repayment period starts, you’ve built a strong credit history and feel confident in your ability to make monthly payments for the term of the new loan.

Even most private student loan lenders encourage borrowers to look into federal funding before taking out a private loan while you’re in school. They’re generally designed to fill gaps for students who aren’t eligible for enough in federal student loans to cover their costs to attend college.

Student Loan Costs to Consider

When you evaluate private student loan offers, you’ll probably focus on the interest rate, because that has a significant impact on the long-term cost of the loan. But there are other costs to consider.

Before accepting any loan offer or signing the agreement, make sure you know how much you’ll pay (if anything) in these common costs:

  • APR: Annual percentage rate is commonly called the interest rate (though they’re a little different). It’s usually the most prominently advertised feature of student loans. Student loan interest rates tend to fall between 3% and 11% and can be fixed or variable — the latter means they’ll change with the prime rate. A higher credit score can get you a lower interest rate and vice versa.
  • Origination fee: Some lenders charge a fee to receive your loan, though that’s less common with student loans than other types of loans. Origination fees are usually around 2% or 3% of the loan amount. They come out of the amount disbursed to the school, so you likely won’t notice them unless you’re very particular about math.
  • Late fee: Most loan agreements come with a fee for late payments, usually a percentage of the payment due. Many student loan lenders are doing away with late fees and building in options for flexible repayment, so shop around to compare your options!

What Is a Cosigner?

A cosigner is someone who shares the responsibility of a loan with the borrower. If you — the borrower — can’t qualify for a loan on your own because of bad credit or no credit, you could apply with a cosigner with good credit to qualify.

You receive the funds, but you both bear responsibility for repaying the loan, and repayment or default impacts both credit scores.

Cosigners are common for private student loans, because many people entering college are young and have almost no credit history. You can cosign with a parent, guardian or other creditworthy person, who basically guarantees the loan in case you don’t repay.

Student loans often come with an option for cosigner release, so the cosigner doesn’t have to stay tied to the loan for years after the student’s left school and gone off on their own. Cosigners can usually be released after around 12 to 36 months of on-time payments, with proof of the borrower’s income.

Who Can Take out a Private Student Loan?

Any student can usually apply for a student loan from a private lender, but creditworthiness determines whether you’ll be approved.

Lenders generally have basic requirements for student loans, as well, including:

  • You must be enrolled at least half-time in a degree-granting institution.
  • You must be the age of majority in your state (usually 18 or 19).
  • You must be a U.S. citizen or resident.

Some lenders make exceptions for these, though. For example, Ascent offers a Bootcamp Loan, which wouldn’t come with the enrollment requirement. Some lenders also make loans for international students who aren’t U.S. residents.

How to Get a Private Student Loan

Follow these steps to apply for a private student loan.

  • Weigh your options. Before turning to private loans, fill out a FAFSA to see your options for federal financial aid. This doesn’t commit you to taking out a federal loan, and it has no affect on your credit score; it just gives you all the information you need to make a decision. If federal aid won’t cover your costs, look into private loans.
  • Find a cosigner. If you don’t have strong credit, get a cosigner on board before you apply. Use a site like Credit Sesame or Credit Karma to check your credit score and history for free to see where you stand.
  • Get pre-qualified. Lenders let you fill out a little information about yourself — usually all online — and run a soft credit check to give you an idea of the interest rate and loan terms you could qualify for. That lets you compare offers before submitting to a hard credit inquiry that impacts your score. Marketplaces like Credible and LendKey let you see and compare several pre-qualified offers with one application.
  • Choose a lender. Choose the loan offer that looks like the best fit for you, and finish your application with the lender. You can usually do this part all online, too. The lender will run a hard credit check and might need more information from you, like proof of income. You could get a decision as soon as the same day or after a few days, depending on the lender’s process.
  • Accept your loan. Once approved, you can review and sign your loan agreement — remember to note any fees! — and accept your funds. Lenders send student loan funds directly to your school to pay for tuition and fees, and the school will send you a refund for any extra amount.

Frequently Asked Questions (FAQs) About Student Loans

We’ve rounded up the answers to some of the most common questions about where to get the best private student loans.

What Type of Loan is the Best Value to Students?

Which student loan options are best for you depends on your family’s financial situation. Private student loans can be an optimal option financially, because of potentially low interest rates and short repayment terms. But they’re only available to students with good credit or creditworthy cosigners. Federal student loans are available based on financial need and come with a host of repayment and forgiveness options that could protect low-income borrowers in the long run.

What Type of Student Loan Has the Lowest Interest Rate?

Private student loans can have interest rates as low as 1% but might be as high as 12% or more, depending on your credit. Federal loan rates are set by Congress for all borrowers and fall around 3% to 5% for undergraduate loans. If you (or your cosigner) have good credit, a private student loan could get you the lowest interest rate.

What is the Biggest Student Loan You Can Get?

The size of your student loan depends on what kind of loan you take out. For private student loans, it’s determined by your credit and the term of the loan you want. Some private lenders set caps on student loan amounts, and some will lend up to your full cost of attendance. For federal loans, your loan amount is determined based on your cost of attendance and expected family contribution. If you demonstrate financial need, your federal loan might go beyond tuition, and you could receive a refund to help cover living expenses. Undergrads can borrow a max of between $5,500 and $12,500 each academic year, and grad students can borrow up to $20,500. 

Contributor Dana Miranda is a Certified Educator in Personal Finance® who has written about work and money for publications including Forbes, The New York Times, CNBC, Insider, NextAdvisor and Inc. Magazine.

Source: thepennyhoarder.com

8 Best Grocery Delivery Services for 2022

By now most people know the shopping process of buying groceries online and contactless delivery. But there’s more to it than filling an online cart and scheduling delivery times.

Which grocery delivery services offer unlimited free deliveries? Which one allows you to order alcohol? Who offers fast delivery and great deals on in-store prices?

And before you sign up, read each service’s COVID-19 updates to understand any changes in protocol. Several grocery delivery services have changed their minimum order or delivery fee. Two — Peapod and Amazon’s Prime Pantry —are no longer in operation. And Kroger delivery has expanded into places where it has no physical stores, including Florida where Publix dominates the grocery game.

8 of the Best Grocery Delivery Services Compared

There are many grocery delivery options out there, so you need to know which one is the best fit for your life and your budget.

But it’s inconvenient and time-consuming when you have to dig around for pricing, restrictions, delivery times and other information about multiple stores to find the best grocery delivery service in your area. You can also get sucked into the novelty of ordering leeks and Lay’s through an app without thinking about the effect on your grocery budget.

To cut through the marketing speak, we’ve broken down the details on what the best grocery delivery services offer around the country.

a woman holding an instacart groecery bag full of produde
Photo courtesy of Instacart

1. Instacart

What: Instacart grocery delivery is available from a variety of grocery stores in your ZIP code, including drug stores, pet supply stores and, in some areas, liquor stores.

Where: Instacart delivers in all 50 states, plus Washington, D.C. Check out the full list of locations.

Product pricing: Instacart’s rundown of available stores includes notes on each retailer’s pricing policy. While most locations offer “everyday store prices,” others make it clear that the convenience of Instacart means you’ll pay higher prices for groceries than you would in stores.

Membership: Membership isn’t required to use the service, but if you’d rather skip the delivery fee every time you place an order, you can sign up for Instacart Express. For $99 per year or $9.99 per month, you’ll get free delivery for every order over $35. Express service also exempts you from peak pricing when Instacart is busy.

Delivery fee: The delivery fee is between $3.99 and $7.99 per order for nonmembers. Orders under $35 cost more. If you want your order in an hour, that adds up too. Tipping your personal shopper is permitted.

Coupon policy: Instacart doesn’t honor sale prices in stores or manufacturer’s coupons. Instead, it offers special promotions you’ll see when you log in to your account. Once you order the required amount or type of items, the discount automatically applies to your order.

Want to deliver groceries? Many grocery delivery businesses such as Shipt and Instacart are still steadily hiring.

2. Shipt

What: Shipt delivers products from a variety of grocery stores. Alcohol delivery is also available in some locations.

Where: Shipt is available throughout the U.S.

Product pricing: Shipt prices are slightly higher than if you had taken the trip yourself. “Our members can expect to pay about $5 more using Shipt than they would on a $35 order purchased in the store themselves,” the company’s website explains.

Membership: Shipt charges you $99 annually or $10.99 per month for unlimited free delivery. You can also do a one time delivery for $10 per order.

Delivery fee: Members must make a minimum order of $35 to get free delivery. If your order is less than that, you have to pay a $7 delivery fee. You could also be charged $7 for alcohol purchases. Tips are permitted.

Coupon policy: Shipt offers in-app specials on items, but it doesn’t allow you to use manufacturer’s or store coupons.

The Walmart sign is shown in this photo.
Tina Russell/The Penny Hoarder

3. Walmart Grocery

What: Walmart has several  grocery ordering options. In some locations, you can have your Walmart grocery order delivered to your doorstep. In many more locations, you can place your order for a pickup window to get your groceries delivered to your car at the store. Some stores even allow you to pay for your groceries with an electronic benefit transfer card.

Where: Same-day delivery is available in most states. Walmart lets customers reserve a time and store location for pickup in all states.

Product pricing: Pickup at the store is free and products are priced the same as if you had shopped in the Walmart grocery store yourself, but there is a $35 minimum order. If you order groceries to be delivered to your home  there is a delivery fee of $7.95 or $9.95. If you use delivery and have an order under $35, you’ll pay a $5.99 fee.

Delivery fee: Express Delivery is another option that costs $10 per delivery plus the $7.95 to $9.95 delivery fee. Your order usually arrives within two hours. The store recently stopped requiring an order be a minimum of $35 for Express Delivery.

With Walmart+ the groceries will likely be same day delivery if you get a good time slot when you place your order. The service costs $98 a year or $12.95 a month. There is no fee for delivery, but the order must cost at least $35.

If you are a Walmart+ member you only pay the $10 Express Delivery fee and not the additional $7.95 to $9.95 delivery fee.

Coupon policy: Walmart does not accept coupons for pickup or delivery orders. If you use the Savings Catcher app, it’ll verify that you received the lowest possible price and give you reward dollars.

4. Hungryroot

What: Hungryroot is a subscription-based grocery delivery service that curates and delivers a box of healthy food to your door each week. It covers most of your groceries for the week, minus basics like milk and bread.

Where: Delivery is available in most ZIP codes around the U.S., excluding Alaska and Hawaii.

Product pricing: You’ll build a plan based on how much food you want to receive, and prices are personalized to your plan. The minimum order amount is $65.

Membership: Membership plans start at $65 per week, which covers 3 two serving meals.

Delivery fee: For plans less than $70, shipping costs $6.99. Plans over $70 ship free.

Coupon policy: The company delivers Hungryroot brand foods, so you’ll have to find brand-specific coupons. Keep an eye out for its promos for free Ancient Grain Pancake Mix, Superfood Almond Butter and cookie dough.

5. Thrive Market

What: Thrive Market is a subscription-based grocery delivery service that delivers organic and non-GMO foods. It can cater to special diets and food allergies, including vegan, vegetarian, gluten-free, nut-free, dairy-free, Kosher, keto and more. It offers prepared meals and foods, nuts, pantry staples, and frozen meat and seafood. It doesn’t offer fresh fruits and vegetables.

Where: Thrive ships to the 48 contiguous U.S. states via ground shipping.

Product pricing: Thrive promises it’ll offer products at low member-only prices through its Savings Guarantee, which offers store credit if you don’t save at least the price of your membership each year.

Membership: Membership is required and costs $59.95 per year or $9.95 a month. Students, teachers, military members or veterans, first responders and low-income families can apply for free membership through  Thrive Gives.

Delivery fee: Shipping is free on orders of groceries over $49. There is a $5.95 delivery charge if your order is below $49. Frozen orders under $120 ship for $19.95 and wine orders under $79 ship for $13.95.

Coupon policy: Thrive users report periodically receiving coupons for discounts on their full order. You can also receive store credit for referring friends, leaving product reviews and purchasing promotional items.

A woman opens up a meal kit delivery box.
Getty Images

6. Boxed

What: Boxed lets you save money on groceries by buying everyday brands in bulk for delivery without an annual membership. You can also get perishable items from your local grocery store delivered to your door through Boxed Express.

Where: Boxed is available for home or business grocery delivery in the contiguous U.S. If you’re in an area eligible for Express, there will be an Express product selection shown on the website.

Product pricing: Pricing is similar to what you’d pay at a warehouse store like Costco or Sam’s Club.

Membership: Anyone can order from Boxed for free. With a Boxed Up membership for $49 per year, you’ll earn 2% cash back, free shipping on orders $19.98 and more, and exclusive discounts.

Delivery fee: Shipping is free on orders of $49 or more for non-members. Boxed Up members pay no delivery fees on orders of $19.98 or more. There is no fee for Boxed Express.

Coupon policy: Boxed does not accept manufacturer coupons, but you can find Boxed specific coupons in the “Coupons for You” section.

7. Google Shopping

What: Formerly Google Express, Google’s grocery delivery service is now part of Google Shopping. Shop and compare bulk and retail-sized non-perishables, including prepared foods, beverages and pantry staples from dozens of retailers. Check out through Google or at the store’s site. Each retailer handles its own delivery.

Where: Delivery options depend on which store you shop with.

Product pricing: Pricing is in keeping with online shopping prices for each retailer.

Membership: No membership is required to shop through Google, though you may have to be a member to buy from clubs like Costco.

Delivery fee: Delivery fees vary by retailer. Most retailers offer free shipping with a minimum order requirement.

Coupon policy: Policies vary by retailer.

8. Kroger

What: Kroger has Ship, Delivery, and Pickup programs that give customers the choice of how they’d like to receive their groceries. With Delivery, you can have groceries, including milk and fresh produce, delivered to your door the same day you order, or schedule delivery for a later date. Ship allows you to order nonperishable items and have them mailed to your home in 1-3 days. If you choose Pickup, you can select a time slot and an associate will bring your items to your car.

Where: Kroger Ship is available throughout the continental United States and includes P.O. and APO/FPO boxes. The availability of Delivery and Pickup varies by location.

Product pricing: Prices on Kroger’s website will reflect the prices of your currently selected store and prices could change depending on your delivery/pickup day, current in-store promotions and other factors. The Kroger Ship service offers separate promotions on goods, but no wholesale discounts.

Membership: There is no membership, but you’ll want to create an account so you get fuel points, discounts and digital coupons.

Delivery fee: The Ship service is free with orders over $35. Under $35, the cost varies by location. Delivery charges $9.95 to $11.95 depending upon your location and Pickup has a $4.95 service fee on orders under $35.

Coupon policy: Kroger Delivery accepts digital coupons. Clip them online and they will be automatically applied to your order. Kroger does not accept coupons on Ship orders, but new customers can currently receive 15% off their first order with the code SHIP15.

Other Delivery Services

A sign of Safeway is shown in this photo.
Tina Russell/The Penny Hoarder

Some of the best grocery delivery services are only available in select cities or regions, so be sure to check the websites of your local stores.

Here are a few we like:

  • FreshDirect: Get delivery of grocery staples, including fresh produce and meat, and wines and spirits, in New York, New Jersey, Connecticut, Philadelphia, Washington, D.C., Delaware, and seasonally in the Hamptons and New Jersey.
  • Safeway: This favorite West Coast grocery store lets you order online for store pick up or delivery.
  • Amazon Fresh: Available to Amazon Prime members and Amazon Prime Student members in select cities, Amazon’s grocery delivery service delivers food, including fresh fruits and vegetables.
  • Publix: Select locations of the Southeastern grocery store offer grocery delivery and curbside pickup through Instacart. Publix also offers in-store pickup.

What Is the Best Grocery Delivery Service for You?

Each of the best grocery delivery services offers unique benefits depending on your grocery needs. To select a grocery delivery service for your household, consider:

  • Is it available in your area?
  • Do you want fresh produce and meat delivered, or only nonperishables?
  • Do you prefer to buy from local stores or national chains?
  • Do you like to shop around at different stores, or do you have a go-to grocery store?
  • Do you follow a special diet?
  • Does a service cover all your grocery needs, or only select items?
  • Do you prefer meal kits, curated orders or hand-picked groceries?

If one of the best grocery delivery services  doesn’t cover all your needs, you can always use more than one. Just keep an eye on costs — multiple memberships could add up quickly and negate any savings you find.

Lisa Rowan is a former senior writer and producer at The Penny Hoarder. Contributors Katherine Snow Smith, Dana Miranda and Jenna Limbach contributed reporting to this story. 

Source: thepennyhoarder.com

Is it Worth it to Buy vs Lease a Car?

Save more, spend smarter, and make your money go further

Unless you live somewhere like New York City or another dense urban city with excellent public transportation, chances are you’ll need a car to get to work, school and other locations. When looking at your different options, you might wonder if it is worth it to lease or buy a car. Both leasing a car as well as buying a car can be right for different people in different situations. Understanding the pros and cons of buying vs leasing a car can help you make the right decision for your specific situation.

How to lease a car

When you lease a car, you’re not actually purchasing the car at all. The lessor (usually the car dealer) maintains the car title and complete ownership of the car throughout the term of the lease. When leasing a car, you will often put down some money upfront, and then make regular monthly payments for a period of time (often 36 or 48 months). The amount of the monthly lease payment will depend on the car’s expected value at the end of the lease term. 

How to buy a car

Buying a car vs leasing a car is different in several ways — as the name suggests, you are actually taking ownership of the car. If you have a car loan, then the lender will hold the actual legal title until the loan is paid off, but you are still responsible for it like anything else you own. 

Conventional wisdom says that the best time to buy a car is in October, November and December. That is usually when most car dealers get their inventory for the new year. So there are incentives for all of the new cars, as well as deals on last year’s model as the dealers try to clean out their inventory. As with most major purchases, you’re likely to do better if you set a budget, know what you’re looking for and shop around to multiple different dealers.

Buying new vs. used

One of the things to keep in mind when you’re saving for a car is to decide whether you want to buy a new or a used car. There are advantages to both buying a new car and buying a used car, and which one is right for you will depend on your specific situation. Buying a new car is usually more expensive, and due to depreciation your car will lose value the moment you drive it off the lot. 

On the other side, interest rates on new cars are often lower than the rates on used cars, so if you’re financing your purchase, that is something to keep in mind. You will also likely have less maintenance with a new car as compared to a used car, especially if the used car is several years old. When you’re buying a new car, you also have the ability to shop around to different dealers, as compared to buying a used car when every car is different, making it harder to shop around. These are all things to keep in mind as you decide between buying new and used.

When is it worth it to lease a car?

Leasing a car doesn’t make sense in most situations, since you make monthly payments throughout the term of the lease and then end the lease with nothing to show for it. At the end of the lease, you can either walk away from the lease with no penalty, or you can arrange to buy the car at its current price. Another downside to leasing a car is that it may be hard for someone to take over your lease if your situation changes. One reason it might be worth it to lease a car is if you’re someone who wants to always drive a new car and is willing to accept the extra cost that comes with it.

When is it worth it to buy a car?

If you’re looking at buying a car, there are a few factors that you’ll want to keep in mind first. Ideally, you will have saved up enough money to make a substantial down payment or even be able to pay for the car in cash. While it is rarely a good idea to buy a very old car, you do want to be mindful of keeping to your budget. Even if you have the money to buy a car that is 10+ years old in cash, it may make more sense to use that money as a down payment to buy a newer car, since you may save on maintenance costs.

The Bottom Line

When deciding how to acquire your next car, you’ll want to carefully examine the pros and cons of buying vs leasing a car. While leasing a car may come with cheaper monthly payments, remember that at the end of the lease you walk away without a car and will have to start the process all over again. When looking at buying a new or used car, consider the total cost of ownership over the length of time you are likely to keep the car as one factor to help decide which might be right for you.

Save more, spend smarter, and make your money go further

Dan Miller

Dan Miller is a freelance writer and founder of PointsWithACrew.com, a site that helps families to travel for free / cheap. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and 6 kids. More from Dan Miller

Source: mint.intuit.com

Bausch + Lomb IPO: What You Need to Know

Bausch + Lomb, a well-known leader in eye care, is about to hit Wall Street in what investment bankers almost certainly hope will jump-start a weak initial public offering (IPO) market.

Bausch Health Companies (BHC) is a global healthcare stock that develops pharmaceuticals, medical devices and over-the-counter medications, with focus areas in eye health, gastroenterology and dermatology.

However, to help streamline its operations and pay down debt, Bausch is spinning off its Bausch + Lomb eye care division in what is shaping up to be one of 2022’s most anticipated IPOs.

Bausch + Lomb sells contact lenses, eye drops and even implantable lenses for cataract surgery in more than 100 countries. The division boasts more than 400 products, more than 260 of which came on the market since 2017.

You can thank Bausch + Lomb’s robust R&D arm, which has about 850 employees. The current product pipeline includes more than 100 projects, such as treatments for dry eye, contact lenses to slow myopia, and next-gen cataract equipment.

The focus on innovation has helped to grow the top line. For 2021, division revenues jumped by 10.6% to $3.8 billion – part of BHC’s overall revenues of $8.4 billion, up 5% – and the company flipped from a loss of $17 million to a net gain of $193 million.

“While it faces significant competition from other brands and generic products, the company is highly profitable with strong cash flow, and it has global brand awareness of more than 70%,” says Renaissance Capital, an IPO-focused registered investment adviser.

The Bausch + Lomb IPO will see the company list on the New York Stock Exchange under the ticker BLCO. The offering, expected May 5, should see 35 million shares listed at a price range of $21 to $24 per share. That would see the company raise $788 million at a valuation of $8.2 billion.

The offering is a breath of fresh air in what has been a lousy year for IPOs. Financial markets platform Dealogic says that more than a thousand companies went public in 2021, raising roughly $316 billion in the process.

However, a weakening environment for stocks in late 2021 and into 2022 cramped the market’s appetite for offerings. Renaissance Capital says just 26 IPOs have priced in 2022 – off 80% from the same point last year.

Expect other potential offerings to keep their eyes trained on the Bausch + Lomb IPO. A favorable reception could get a few more new stocks into the market.

Source: kiplinger.com

The Cheapest Neighborhoods in Las Vegas for Renters in 2022

Come for the fun, and stay because you just can’t leave!

If you want to have some adult fun, Las Vegas is the place to go! But many people are looking for something a bit more permanent and are choosing to turn this city into the place they call home. In fact, it’s one of the fastest-growing cities with an annual average growth rate of 1.21 percent. In the past 10 years, the population has grown nearly 16 percent.

It’s no wonder why so many people want to move here. A New York Times article recently reported that Nevada is one of the top destinations for Californians trying to escape the high cost of living on the West Coast.

While the cost of living in Las Vegas isn’t one of the lowest in the country, it’s still significantly lower than on the West and East coasts. And you’ll find that even the cheapest neighborhoods in Las Vegas have some beautiful apartments that just might fit all your needs!

What is the average rent in Las Vegas?

The average cost of a two-bedroom apartment for rent in Las Vegas is $1,847 per month. Rent prices rose by nearly nine percent over the past 12 months.

While no one likes a price hike, some renters might find comfort in the fact that this rent increase is one of the lower increases. Many neighborhoods across the country had 15, 25 or 30 percent increases. Salt Lake City, UT, saw a rise of over 40 percent, while New York City prices rose nearly 50 percent.

Thankfully, this is just an average, which means there are plenty of cheaper neighborhoods in Las Vegas where you can find apartments that won’t break the bank.

The 10 most affordable neighborhoods in Las Vegas

If you’re on a tight budget, apartment hunting can seem daunting. Thankfully, we have you covered! Here are some of the cheapest neighborhoods in Las Vegas and why you should consider checking them out.

10. Southeast Las Vegas

Southeast Las Vegas

Southeast Las Vegas

  • Average 2-BR rent: $2,162
  • Rent change since 2021: +112.78%

Despite having the second-highest increase of the 15 neighborhoods we evaluated, Southeast Las Vegas is still one of the most affordable neighborhoods in Las Vegas.

There are some fun attractions in the area, like The Neon Museum, a non-profit organization started in the mid-90s to preserve something Las Vegas uses extensively, the neon light.

If you’re a nature-lover, you’ll be happy to know that Springs Preserve is right within the boundaries of your neighborhood. This 180-acre institution features botanical gardens and an interpretive trail system that takes you through scenic wetlands. The Preserve also hosts outdoor events (like amazing concerts) and is also home to several museums and galleries.

9. The Canyons

The Canyons

The Canyons

  • Average 2-BR rent: $2,108
  • Rent change since 2021: +41.44%

The Canyons is a residential neighborhood home to young professionals and retirees. Not many families live in the area, which means the neighborhood is relatively calm and quiet. The average commute takes approximately 25 minutes. Nearly everyone owns a vehicle because public transit in the area isn’t that great. Thankfully, it’s one of the cheapest neighborhoods in Las Vegas, so you’re better able to afford to own a vehicle.

Nearby is the Chamberlain University College of Nursing, an accredited, three-year nursing school with a 97 percent National Council Licensure Examination (NCLEX®) first-time pass rate. Thankfully, since this is one of the most affordable neighborhoods in Las Vegas, students can focus more on their studies and less on rental rates.

8. Peccole Ranch

Peccole Ranch

Peccole Ranch

Source: Rent.com/The Avondale
  • Average 2-BR rent: $1,929
  • Rent change since 2021: +39.30%

Parents looking for highly-rated public schools in the area should visit the Peccole Ranch neighborhood. The area has a good mix of families, retirees and young professionals. A slight majority of residents rent properties, which means there’s a variety of homes in the area, including single-family homes with yards and garages, as well as townhouses, condos and apartment complexes.

In addition to having some of the best schools in the city, Peccole Ranch is one of the cheapest places to live in Las Vegas — a win-win for parents!

Residents enjoy daily walks along the Paseos walking paths, which are great for exercise or just to enjoy the beauty of the area.

7. Lone Mountain

Lone Mountain

Lone Mountain

  • Average 2-BR rent: $1,828
  • Rent change since 2021: +39.17%

Lone Mountain is one of the top-rated neighborhoods in Las Vegas, in part due to its proximity to Downtown Las Vegas and the North Las Vegas Airport.

You’ll find two parks in the area that just might become your home away from home. In addition to the usual park amenities (picnic pavilions and playgrounds), Lone Mountain Regional Park also has walking trails and an equestrian center. The other park in the area is Majestic Park. This park has plenty of open space for frisbee, soccer and playing with your kids and pets. The park also has picnic areas, softball fields and playgrounds.

Though the area has a higher cost of living than the national average, Lone Mountain is still one of the cheapest neighborhoods in Las Vegas.

6. Centennial Hills

Centennial Hills

Centennial Hills

  • Average 2-BR rent: $1,711
  • Rent change since 2021: +22.48%

Centennial Hills has diverse home options, so there’s something for everyone. If you like townhomes, this neighborhood has them. If you prefer apartments or condos, you’ll find them here, too. Of course, there are also single-family homes, new construction, vacant lots for custom homes and resale properties, as well.

Because the community is growing, businesses are starting to move into the area, increasing growth. In addition to some locally owned businesses, you’ll also find well-known, national stores like Trader Joe’s. Because of this, there are more jobs in the neighborhood, and it’s easier for locals to run errands and get their daily essentials.

One of the perks of this neighborhood is that it’s not close to The Strip. The benefit of living about 30 miles from Downtown is that the Centennial Hills is more tranquil than communities closer to Las Vegas. It also means that Centennial Hills is one of the most affordable neighborhoods in Las Vegas.

5. Southwest Las Vegas

Southwest Las Vegas

Southwest Las Vegas

  • Average 2-BR rent: $1,688
  • Rent change since 2021: +33.72%

For those who want to live in a large community, we recommend checking out Southwest Las Vegas. It’s one of the largest areas in the entire Las Vegas Valley. Though it’s close to The Strip, it’s still far enough away to stay safe and to keep its rustic charm and rural character.

Despite its proximity to The Strip and Downtown Las Vegas, home and rental prices in the area are quite low, making this one of the cheapest neighborhoods in Las Vegas. If you’re a fan of Mediterranean-style homes, you’ll find lots of eye candy in the area, with stucco and red tile roofs in abundance.

Close to the I-15, it’s an easy commute from Southwest Las Vegas to other parts of the city. While there are some bus routes — as well as Lyft and Uber drivers — in the area, most residents prefer to own a vehicle.

4. The Section Seven

The Section Seven

The Section Seven

Source: Rent.com/Breakers
  • Average 2-BR rent: $1,547
  • Rent change since 2021: +23.53%

The Section Seven neighborhood is ideal for people who want close proximity to City Center but like suburban living. The residential community has apartment complexes, in addition to single-family residences. Apartments in The Section Seven are affordable yet have all the modern conveniences and amenities you could want.

The neighborhood is in close proximity to plenty of entertainment, shopping, dining and employment opportunities. The area is also close to freeways, making the commute faster and easier. You’ll find beautiful walking trails nearby, too.

Residents appreciate the strong sense of community in the area with plenty of community activities, like movies in the park.

3. Canyon Gate

Canyon Gate

Canyon Gate

Source: Rent.com/Shelter Cove
  • Average 2-BR rent: $1,425
  • Rent change since 2021: +24.32%

Young professionals make up the majority of residents in Canyon Gate, and there’s a 50/50 split between renters and homeowners.

The neighborhood is nearly 12 miles southwest of Downtown Las Vegas, and most residents have a 20-30 minute commute to work or to go shopping.

One of the reasons Canyon Gate is one of the cheapest neighborhoods in Las Vegas is that it has a dense, suburban vibe. It consists primarily of residential communities, small shopping centers and locally owned businesses. It doesn’t have quite as many amenities as more urban neighborhoods. And yet, that’s something that residents appreciate because it makes the community feel safer and more tranquil.

2. Rancho Oakey

Rancho Oakey

Rancho Oakey

Source: Rent.com/The Neon Apartments
  • Average 2-BR rent: $1,365
  • Rent change since 2021: +6.25%

Located less than four miles from the Las Vegas Strip is the community of Rancho Oakey, which is in the heart of the arts district. Though there are plenty of restaurants, museums and fun nightlife activities, Rancho Oakey doesn’t have the same busy vibe as the Downtown area. And that’s what makes it so popular.

If you’re a lover of the great outdoors, you’ll be happy to know that this neighborhood is close to Springs Preserve. So, you, too, will get to enjoy the trails, botanical gardens, outdoor exhibits and so much more the Preserve has to offer.

1. Twin Lakes

Twin Lakes, the cheapest neighborhood in Las Vegas, NV

Twin Lakes, the cheapest neighborhood in Las Vegas, NV

Source: Rent.com/Solstice
  • Average 2-BR rent: $947
  • Rent change since 2021: 0%

Of all the cheapest neighborhoods in Las Vegas, Twin Lakes is the most affordable. The cost of living in Twin Lakes is less than the Las Vegas average and the U.S. average.

Residents in the area say the neighborhood makes it easy to run errands on foot — like going to convenience stores or the post office. It’s also close to the Interstate, which makes it easy to get to Downtown Las Vegas and restaurants and attractions in the area.

Locals say they like that Twin Lakes is a pretty neighborhood with very friendly neighbors.

The most expensive neighborhood in Las Vegas

We’ve looked at the cheapest neighborhoods in Las Vegas, but what about the most expensive? Is it really out of your budget?

The most expensive neighborhood is East Village. In this community, the average monthly rental rate is $2,975. Rental fees rose in this area by 1.99 percent in the past 12 months, which is one of the lowest rates of all the Las Vegas communities we evaluated.

East Village serves as one of the entrances to Downtown Las Vegas. The community has undergone rejuvenation and renovation projects in recent years, including updating parks and remodeling/reusing old motels for new uses.

Residents like the neighborhood’s proximity to several public transit options. They also like that it’s a quick trip to get to their favorite restaurants, bars and nightlife activities. And even though it’s close to the Downtown area, residents say it’s a quiet area with friendly neighbors.

Find an affordable neighborhood for your next apartment

Finding the ideal apartment is only half the battle when you’re moving to a new area. You also need to know that your apartment is in the best neighborhood for your needs. Things to consider include whether it’s the most affordable neighborhood in Las Vegas and if it’s close to the amenities you need (doctor’s offices, shopping, restaurants, work, etc.).

You can find the best neighborhoods and apartments for rent in Las Vegas with our listings feature. Using our search filters, we can help narrow your search to make finding a rental faster and easier.

Rent prices are based on a rolling weighted average from Rent.com’s multifamily rental property inventory as of January 2022. Our team uses a weighted average formula that more accurately represents price availability for each unit type and reduces the influence of seasonality on rent prices in specific markets. The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

The 15 Best Value Stocks to Buy Right Now

In 2022, the old rules of investing have mostly gone out the window, but one thing hasn’t changed: Wall Street’s best value stocks continue to be an attractive place for investors to plunk down their money for the long term.

The S&P 500 is down roughly 10% year-to-date. War continues to rage in Ukraine and disrupt energy markets. And significant changes in interest-rate policy continue to upend investment strategies that have been profitable for several years running.

But that’s the thing about investing. If you want to get ahead, it’s important to think beyond the obvious opportunities and consider a holistic approach that will generate returns even in even challenging environments. That involves looking beyond fashionable growth investments to value stocks that might been roughed up of late but still offer long-term upside.

In hopes of finding the best value stocks for investors right now, we looked for:

  • Companies with a minimum market value of about $1 billion
  • Those with forward price-to-earnings (P/E) ratios below the broader market (for reference, the S&P 500’s forward P/E is currently at 18.8)
  • Those with price/earnings-to-growth (PEG) ratios below 1 (PEG factors in future growth estimates, and anything under 1 is considered undervalued)
  • Strong analyst support, with at least 10 Wall Street experts covering the stock and the vast majority of those issuing ratings of Buy or Strong Buy

A few of these companies have admittedly seen trouble lately, hence their sagging stock prices, but even then, their underlying businesses are sound. And considering the broader challenges to every company on Wall Street, it’s important for investors to focus on high-quality picks over the latest flashy growth narrative, regardless of recent performance.

Here are 15 of the best value stocks to buy now.

Share prices and other market data as of April 25. Analyst ratings courtesy of S&P Global Market Intelligence. Stocks are listed by analysts’ consensus recommendation, from highest score (worst) to lowest (best).

1 of 15

Boot Barn Holdings

rows of boots on shelvesrows of boots on shelves
  • Market value: $2.8 billion
  • Dividend yield: N/A
  • Forward P/E ratio: 16.8
  • Analysts’ ratings: 6 Strong Buy, 1 Buy, 4 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.82 (Buy)

Even if you’re the kind of person who wouldn’t be caught dead wearing a cowboy hat in public, don’t let your personal tastes get in the way of understanding the fundamentals that make Boot Barn Holdings (BOOT, $94.71) one of the most attractive value stocks in 2022.

Shares have soared roughly 800% over the past five years. That’s in response to a top line that has soared from just under $630 million in the fiscal year ended spring 2017 to what is projected to be nearly $1.5 billion at the end of this fiscal year.

Say what you want about cattleman hats, but you can’t disparage results like that.

But growth has become harder to come by in this niche retail model. More recently, that has weighed on shares, which are down about 30% from their 52-week highs in late 2021. With the worst of COVID-19 behind us, however, and given Boot Barn’s loyal customer base, there’s every reason to expect this retailer to keep putting up big numbers – including a stunning growth outlook of more than 60% revenue expansion this fiscal year.

That might make this recent pullback a chance to get in on one of Wall Street’s best value stocks, now that BOOT’s valuation is more in line with peer specialty retail stocks despite outsized growth projections.

It’s also worth noting that, unlike down-market goods, Western wear is a decidedly luxury category, despite what many might think. Quality boots and hats can run $500 or more. And history has shown that these kinds of purchases keep churning along even amid high inflation and other consumer pressures.

2 of 15

Tempur Sealy International

a Tempur Sealy buildinga Tempur Sealy building
  • Market value: $5.1 billion
  • Dividend yield: 1.4%
  • Forward P/E ratio: 8.3
  • Analysts’ ratings: 6 Strong Buy, 1 Buy, 4 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.82 (Buy)

The pandemic changed many behaviors and expectations, and among those were many consumers thinking hard about housewares for the first time in a few years. Since nobody could travel and we were all spending so much time in our homes and apartments, it was natural to finally pull the trigger on furniture upgrades that hadn’t seemed particularly urgent before COVID-19.

Mattress leader Tempur Sealy International (TPX, $28.70) rode that wave in a big way, watching shares rise more than four-fold from March 2020 through fall of last year. However, many investors have abandoned the stock lately on the idea that the upgrade cycle is over; indeed, TPX has lost nearly half its value since September 2021.

That has created a big opportunity for value investors. The 2013 mash-up of some of the biggest mattress brands on the planet gives this company deeply entrenched relationships with retailers. And while many folks are buying mattresses online these days, there’s one thing that TPX has that these e-commerce brands don’t: a massive hospitality business, which continues to look very strong as hotels look to an important summer travel season after the pandemic.

In fact, even though TPX stock is down more than 40% on the year, Wall Street is actually anticipating double-digit revenue growth and continued earnings improvement. While perhaps things got a bit overheated in this stock thanks to the “stay at home” trade, continued growth coupled with a more reasonable price now makes this mattress leader look like one of 2022’s best value stocks to buy right now.

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A Carter's/OshKosh retail storeA Carter's/OshKosh retail store
  • Market value: $3.7 billion
  • Dividend yield: 3.3%
  • Forward P/E ratio: 9.9
  • Analysts’ ratings: 6 Strong Buy, 0 Buy, 4 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.80 (Buy)

When it comes to durable retail spending categories, it’s hard to find a store that is more reliable than Carter’s (CRI, $89.72). This go-to brand is focused on children’s clothing under its own nameplate, as well as under associated brands like iconic OshKosh overalls.

Kids keep growing and keep needing clothes no matter what, and upscale fashions make Carter’s stores a go-to destination for moms and grandmas everywhere.

Admittedly, the growth outlook is relatively modest here. Revenues are projected to expand by merely single digits both in 2022 and 2023. However, Carter’s is expected to squeeze plenty of blood from that stone, with earnings per share estimated to jump by 14% this fiscal year and another 11% in fiscal 2023 if current projections hold.

CRI has been investing heavily in e-commerce over the past few years, and in fact, its international segment posted an impressive growth rate of nearly 30% this last fiscal year in part because of digital successes.

OK, sure, international sales account for just 13% of total revenue. But this is exactly the kind of under-the-radar narrative that investors should look for in value stocks: outsized growth in a small business segment that will ensure strong operating results in the future, even if there’s no disruptive innovation on the horizon set to deliver instant gains.

Children’s wear is a durable spending category, and CRI remains one of the top brands in the space. With shares trading at a forward P/E of just about 10 right now, it might be worth looking at this retailer as a potential bargain stock.

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A Target store on a sunny dayA Target store on a sunny day
  • Market value: $111.7 billion
  • Dividend yield: 1.5%
  • Forward P/E ratio: 16.4
  • Analysts’ ratings: 15 Strong Buy, 7 Buy, 7 Hold, 1 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.80 (Buy)

Big-box shop Target (TGT, $241.66), at more than $110 billion in market value, is one of the largest U.S. retailers out there. But although Target takes great pains to offer higher-quality furnishings and more fashionable apparel than its down-market competitors, this big box giant is itself being discounted in 2022 – creating an ideal opportunity for those seeking out value stocks to buy right now.

Right now, Target’s market value is slightly below its projected revenue for next year, while competitors like Costco Wholesale (COST) are trading at a premium on this metric. TGT stock is also being discounted compared with earnings, with a forward P/E of 16.4 right now compared with a reading of almost 19 for the broader S&P 500 Index.

It’s also worth noting that while COVID-19 disruptions took their toll on many retailers, Target is actually riding a broader tailwind for its business thanks to the fact that is has adapted to the “omnichannel” approach of a digital age. Total sales are up almost $30 billion since 2019 thanks to a robust e-commerce presence, curbside pickup and an agile approach to compete in a digital age.

The dividend yield might not burn down the house – at 1.5%, it’s better than the broader S&P 500 but worse than 10-year T-note. But Target is a Dividend Aristocrat that has strung together half a century’s worth of uninterrupted payout growth – and with annual payouts just totaling $3.60 per share and earnings set to approach $16 per share next fiscal year, there’s more than enough headroom for increased dividends down the road.

And for those concerned with environmental, social and governance (ESG) traits, note that Target also has earned a place among our Kiplinger ESG 20.

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D.R. Horton

A D.R. Horton home is under constructionA D.R. Horton home is under construction
  • Market value: $26.3 billion
  • Dividend yield: 1.2%
  • Forward P/E ratio: 4.5
  • Analysts’ ratings: 11 Strong Buy, 4 Buy, 6 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.76 (Buy)

A $26 billion homebuilding company, D.R. Horton (DHI, $74.19) has a pretty easy-to-understand business. It acquires land, builds residential homes on the sites, then sells the finished houses for a hefty profit.

It operates under the D.R. Horton brand, as well as Express Homes, Emerald Homes and Freedom Homes. It also offers mortgage financing and related services to help put buyers in their new homes.

If you own a home or are shopping for a home right now, chances are you’re attuned to the ever-rising values in most markets. But to give newcomers an example, home prices in March surged 15% year-over-year to set yet another record, proving this red-hot sector is far from cooling off.

DHI, however, has rolled back as investors have gone “risk off” in 2022, with shares now off about 35% from 52-week highs set in November. Part of the reason is because folks are afraid that higher interest rates could result in higher mortgage costs and thus scare off potential homebuyers.

At least so far, that has not been the case. No small wonder. Consider that the National Association of Realtors estimated that in March the inventory of homes actively for sale on a typical day in March decreased by 19% compared with the prior year. There is simply not enough supply for the buyers that are out there, and interest rates aren’t rising enough to make enough of those buyers reconsider.

That adds up to a compelling story for DHI. Couple that with a bargain valuation, including a forward price-to-earnings ratio that is below 5 right now, and it’s worth considering staking your claim to one of today’s best value stocks in the housing space.

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worker spraying waterproof layer on concreteworker spraying waterproof layer on concrete
  • Market value: $7.3 billion
  • Dividend yield: 2.5%
  • Forward P/E ratio: 8.6
  • Analysts’ ratings: 10 Strong Buy, 3 Buy, 5 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.72 (Buy)

Chemicals company Huntsman (HUN, $34.19) produces products worldwide including polyurethanes, dyes, epoxies and other materials. It’s not a particularly glamorous business, making these raw materials for end-users to craft their own finished goods. However, Huntsman’s chemical operations are incredibly reliable, and they’re seeing strong demand across the board as the global economy recovers in the wake of the pandemic.

As proof: A few months ago, Huntsman posted Street-beating sales and earnings for the fourth quarter of 2021, and it provided strong guidance for 2022. That’s not just because of improving demand broadly, but also because of higher prices it can command as a result of the current inflationary environment.

Thanks in part to these strong results, HUN also has been blessed by a Standard & Poor’s upgrade to its credit rating in April that will help the chemicals company access financing at better rates going forward.

Value investors will be interested to learn that Huntsman is incredibly committed to its shareholders. It recently doubled its stock buyback program to $2 billion in the wake of recent success, and it has already bought up more than $100 million under that authorization. It also recently increased its dividend by 13%, to 21.25 cents per quarter – that’s 70% from the 12.5-cent quarterly payout it provided as recently as late 2017.

And with payouts at less than 20% of next year’s earnings, there is ample upside for future dividend increases, too.

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Glass similar to that made by CorningGlass similar to that made by Corning
  • Market value: $29.1 billion
  • Dividend yield: 3.1%
  • Forward P/E ratio: 14.4
  • Analysts’ ratings: 7 Strong Buy, 4 Buy, 3 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.71 (Buy)

Although it got its start as a specialty glass company was back in 1851, Corning (GLW, $34.42) has a long history of high-tech partnerships – from working with Thomas Edison on his early lightbulbs to leading the charge on cathode ray tubes that powered the first generation of televisions to modern fiber optic cable and touch-screen displays.

In fact, its chemically strengthened Gorilla Glass is currently the gold standard for mobile devices. It is designed to be thin, responsive and damage-resistant – all must-have characteristics for phones and tablets. 

Corning has been a slow-and-steady performer compared with some of the flashier names in technology. But there is definitely still growth here. GLW produced an outsized spurt in 2021, with revenues up nearly 25% year-over-year. Looking forward, estimates are still for mid- to high-single-digit sales improvement over the next couple years. And promisingly, Corning has largely sidestepped most of the supply-chain issues plaguing many manufacturers; indeed, CEO Wendell Weeks said earlier this year that its biggest problem wasn’t supplies or labor, but capacity to meet high demand!

On top of that, GLW offers a decent dividend north of 3%. That dividend is growing, too, up to 27 cents quarterly at present compared with 10 cents per quarter back in late 2014. And with annual earnings per share of more than $2.60 projected next fiscal year, that dividend isn’t just sustainable but also ripe for future increases down the road.

When looking for the best value stocks – those that can perform over the long run – a stock like Corning is a great example of taking an alternative approach to fashionable trends to avoid some of the volatility. Nobody thinks of this glass company first when plotting investments in tech, and that allows for moments like this when shares are more reasonably priced than some other assets out there.

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Wells Fargo

Wells Fargo bankWells Fargo bank
  • Market value: $173.7 billion
  • Dividend yield: 2.2%
  • Forward P/E ratio: 10.6
  • Analysts’ ratings: 13 Strong Buy, 8 Buy, 5 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.69 (Buy)

Among financial stocks, the $180 billion financial powerhouse Wells Fargo (WFC, $45.83) in many ways was, for a time, in a class by itself. However, the company has piled up a number of black marks on its corporate record in recent years that have caused many investors to think twice about putting their money behind WFC stock.

One of the biggest challenges started in late 2016, with news that some Wells employees were opening checking and savings accounts for clients without their consent. There was also word that Wells was misleading businesses on corporate credit card fees, followed by a 2018 move by the Federal Reserve announcing it would restrict the bank in response to “widespread consumer abuses and compliance breakdowns.”

Understandably, some folks have abandoned WFC stock in recent years – including even Warren Buffett, who exited almost all of his stake last year. And that’s not without cause. But as with so many things, the race for the exit has created a buying opportunity for value-minded investors.

WFC stock currently trades for a price-to-book ratio of just 1.1, compared with closer to 1.3 for Bank of America (BAC) and 1.5 for JPMorgan Chase (JPM), and 1.7 for “super-regional” U.S. Bancorp (USB). So while Wells remains one of the biggest banks in the U.S., it’s still treated as an also-ran compared to large peers.

But with interest rates on the rise, creating a tailwind for most lenders, it’s worth considering whether the negativity around past transgressions has turned Wells Fargo into one of the banking industry’s best value stocks to buy.

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deepwater oil rig for drillingdeepwater oil rig for drilling
  • Market value: $118.8 billion
  • Dividend yield: 1.6%
  • Forward P/E ratio: 8.9
  • Analysts’ ratings: 14 Strong Buy, 9 Buy, 3 Hold, 1 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.67 (Buy)

Everyone who has filled up their car with a tank of gas recently knows all too well how inflationary pressures have gripped the energy sector in a big way over the last year or so. And as a result, many oil and gas stocks have seen strong performance as well.

With crude oil prices at around $100 per barrel presently, that has created continued tailwinds for Big Oil names such as ConocoPhillips (COP, $91.66). It’s not the biggest firm in the oil patch, but it’s still a major player at nearly $120 billion in market value and a global energy business that explores, develops and produces oil and natural gas worldwide. And unlike the big integrated energy giants, COP mostly operates in “upstream” operations (exploration and production), meaning it’s uniquely positioned to make the most of the current environment.

Case in point: As a result of inflationary pressures across all energy commodities these days, the company is plotting revenue growth of more than 25% this fiscal year.

An investment in ConocoPhillips certainly carries risks, insofar that a significant rollback in oil prices would likely disrupt the stock the same way we saw rising prices create better performance. However, COP is making big structural moves lately that should ensure shareholder value for many years to come.

Specifically, COP plans to return 30% of operating cash to shareholders with a predicted outlay of $65 billion back to shareholders from 2022 through 2031. That follows a $1 billion boost to its stock buybacks last year.

These are significant figures that should make any value investor a believer in this stock.

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General Motors

General Motors' Hummer electric vehicle is built in a GM ZERO plantGeneral Motors' Hummer electric vehicle is built in a GM ZERO plant
  • Market value: $57.9 billion
  • Dividend yield: N/A
  • Forward P/E ratio: 6.0
  • Analysts’ ratings: 12 Strong Buy, 7 Buy, 4 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.65 (Buy)

Traditional automakers have struggled for a host of reasons in recent years.

For starters, younger generations of Americans simply aren’t as concerned with driving or car ownership. Then there’s the electric vehicle revolution that has put many legacy brands behind the 8-ball when it comes to innovation. And to top it all off, major disruptions to semiconductor supply chains have created bottlenecks, preventing car manufacturers from tapping into pent-up demand.

However, these circumstances have also scared off many investors who do not see the underlying value in car stocks such as General Motors (GM, $39.82).

GM currently trades for just six times earnings estimates – more than three times lower than the typical S&P 500 stock right now. Furthermore, it trades for a slight discount to book value and at half next year’s projected revenue. These kind of metrics are a value investor’s dream.

To be clear, GM’s bargain price isn’t because of, say, disturbing growth projections that warrant this discount. Rather, GM is projected to see an impressive 23% growth in the top line this year. And while earnings are set to take a hit in fiscal 2022, they are forecast to make up all the lost ground and then some in fiscal 2023.

The automotive market assuredly is full of risk and uncertainty. However, GM has a long history and strong brand recognition that should serve it well, especially as the company shows that it’s willing to be flexible.

At these prices, GM stock could be one of the sneakiest value stocks to buy now.

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Skechers shoes are shown behind the window of a storeSkechers shoes are shown behind the window of a store
  • Market value: $6.3 billion
  • Dividend yield: N/A
  • Forward P/E ratio: 13.6
  • Analysts’ ratings: 8 Strong Buy, 2 Buy, 3 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.62 (Buy)

Skechers U.S.A. (SKX, $39.24) is a roughly $6 billion footwear company that continues to connect with consumers and build on its already impressive brand.

But what really makes Sketchers one of the best value stocks to buy now is its direct sales operations that continue to boost margins and drive real results for shareholders. In February, for instance, Skechers reported that its direct-to-consumer segment posted more than 30% year-over-year gains during the fourth quarter.

And looking forward, the brand continues to explore new products via its “comfort technology” and predicts yet another record year in 2022 as it rides growth trends even higher.

SKX stock has struggled over the past year. Shares are off by about 25% over the past 12 months as some investors have questioned whether recent growth trends can continue. Well, the pros are projecting low-double-digit revenue growth in each of the next two years – and similar expansion on the bottom line next year before a 24% explosion in profits in 2023.

Meanwhile, Skechers is helping its own cause, authorizing a $500 million stock buyback program in February to help prop up its shares.

Despite all this, SKX stock still trades for a slight discount to annual sales and a forward price-to-earnings ratio of about 13 right now – significantly lower than both the S&P 500 as well as other top consumer discretionary stocks. With continued growth ahead and continued investment in the high margin direct-to-consumer arm of its business, there’s good reason to expect Skechers has what it takes to succeed going forward.

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Lowe's storeLowe's store
  • Market value: $132.5 billion
  • Dividend yield: 1.6%
  • Forward P/E ratio: 14.8
  • Analysts’ ratings: 18 Strong Buy, 4 Buy, 7 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.62 (Buy)

While Home Depot (HD) might be the go-to name in home improvement, investors would be wise to not sell short its competitor Lowe’s (LOW, $200.38). Consider that while Home Depot has roughly 2,300 locations in the U.S., Lowe’s commands roughly 2,000 locations of its own. However, HD is valued at $315 billion while Lowe’s market capitalization is almost a third of that, at $130 billion or so.

And as long as we’re comparing, Lowe’s boasts a forward price-to-earnings ratio of less than 15 and a price-to-sales of about 1.4 while HD has a forward price-to-earnings ratio of about 19 and a price-to-sales ratio of 2.1.

In other words, Home Depot might be the larger DIY chain, but that’s in part because investors are paying a significant premium for shares.

And this discount comes despite the fact that Lowe’s has delivered better returns across most timeframes, including a 159% total return (price plus dividends) over the past five years versus 124% for HD. Helping that total return is one of the most consistent dividends on Wall Street – Lowe’s is another Dividend Aristocrat, having raised its payout annually for 59 consecutive years.

If you’re looking for value stock picks, Lowe’s is the better buy among DIYs.

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Air Lease

An airplane like the ones Air Lease leases out to customersAn airplane like the ones Air Lease leases out to customers
  • Market value: $5.0 billion
  • Dividend yield: 1.7%
  • Forward P/E ratio: 9.5
  • Analysts’ ratings: 4 Strong Buy, 4 Buy, 0 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.50 (Strong Buy)

Air Lease (AL, $43.76) is an aircraft leasing company concerned with the purchase and leasing of aircraft worldwide. Right now, it owns just shy of 400 planes and is benefiting from a resurgence in air travel now that the coronavirus pandemic is on the wane.

The fundamentals of Air Lease are looking up thanks to improving air travel trends, as evidenced by a projection of 15% revenue growth this fiscal year and then roughly 18% growth the following year.

But despite this tailwind (pardon the pun), AL stock is still reasonably priced with a forward price-to-earnings ratio of about 9 right now. That’s less than half the S&P 500 average at present.

In February, Air Lease said that its lease utilization rate for both 2021’s fourth quarter and full year was an amazing 99.8%. There is no better metric of success for a company like this, proving that its existing resources are in high demand. Additionally, the triple-net lease model of Air Lease requires that the users of its planes pay for the taxes, insurance, and maintenance regardless of whether those planes are grounded or flying. All of this means a higher likelihood that money will continue to roll in for the foreseeable future.

With COVID-19 on the wane and an uptrend in air travel trends this year, the stage is set for AL stock to finally take off after years of stalling. But the time to buy should be soon, while it’s still one of Wall Street’s top value stocks.

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Signature Bank

Skyscrapers in a big citySkyscrapers in a big city
  • Market value: $16.4 billion
  • Dividend yield: 0.9%
  • Forward P/E ratio: 13.2
  • Analysts’ ratings: 10 Strong Buy, 7 Buy, 0 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.41 (Strong Buy)

Signature Bank (SBNY, $261.06), a roughly $16 billion regional bank stock, is riding the tailwind that has benefited most financial firms in the last several months: namely, higher interest rates that have lifted margins on loans. 

Signature boasts about $120 billion in assets under management, mostly in major metro areas including New York, Charlotte and San Francisco. The company primarily serves local consumers and businesses through conventional offerings including checking accounts, real estate loans and lines of credit. But beyond that, SBNY also is a major player in high-growth areas like cryptocurrency trading via its Signet platform, as well as slow-and-steady business lines such as insurance that help ensure strong long-term performance.

Thanks to the uptrend in operations lately, SBNY is projecting big-time increases in its operating metrics, including a nearly 45% jump in revenue this year. The bottom line is expected to expand by just as much.

Many segments of Wall Street that can wax and wane, and financials are no exception. But Signature Bank’s wide and sustainable footprint will serve it well in the current rising-rate environment. It’s not as large as other diversified financials, but it’s trading at levels that put it among the top value stocks to buy right now.

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Micron Technology

  • Market value: $78.3 billion
  • Dividend yield: 0.6%
  • Forward P/E ratio: 6.1
  • Analysts’ ratings: 26 Strong Buy, 7 Buy, 4 Hold, 0 Sell, 0 Strong Sell
  • Analysts’ consensus recommendation: 1.41 (Strong Buy)

Data storage leader Micron Technology (MU, $70.12) is a company that has deep roots in the modern digital economy. Founded back in 1978 – in Idaho, of all places – Micron carved out a niche in semiconductor design that has ultimately kept it at the cutting edge of the tech sector for more than three decades.

Nowadays, Micron specializes in data storage technologies, including for graphics and servers, as well as mobile-focused solutions known as dynamic random-access memory (DRAM). And it’s this sustained growth in the memory market that looks to provide the biggest tailwind for MU stock in the years to come.

Just look at the numbers. Micron is projected to enjoy more than 20% revenue growth in both fiscal 2022 (the current year for MU) as well as 2023. And that will more than filter down to the bottom line. The pros are looking for 50%-plus growth in earnings per share this fiscal year, then another 30% growth in 2023.

Yes, semiconductor stocks are up against the ropes right now. And yes, there are perhaps more interesting stocks in the space than MU. However, with a forward price-to-earnings ratio of just over 7 right now and strong growth projections for the next two years, it might be worth looking to this unsung chip play at its current bargain valuation.

Source: kiplinger.com

9 Easy Ways to Make Extra Money Working Wedding Gigs

Nearly 2 million couples tied the knot in 2021 — but 2022 is projected to be even bigger, with the most weddings since 1984.

That means lots of opportunity to work a side gig helping couples throw their grand affairs.

9 Easy Ways to Make Extra Money Working Wedding Gigs

Here are nine side hustles and weekend gigs to earn some extra cash while love is in the air.

1. Take Engagement Photos

If you’re a shutterbug, this is a great way to build your portfolio and earn extra cash.

Your friends may want to hire a professional photographer for the wedding itself, but they might like to save a little money on their engagement photos.

Be sure to look at professional engagement photos beforehand to get ideas for poses, and then upload the edited shots to a photo-sharing platform so the couple can easily download them and order prints.

If you’re an experienced photographer, you probably already have what it takes to start your own wedding photography business.

2. Address Envelopes

Many couples want the address on their save-the-dates, invitations and thank you cards to be perfect. And many are willing to pay top dollar for perfection: professional calligraphers charge $3 to $4 per envelope!

If you have good penmanship, offer to address envelopes for a fraction of the price.

Even at $1 per envelope, you’ll still earn $100 for a 100-person wedding.

Two people create cupcakes.
Getty Images

3. Bake Desserts

Wedding cakes cost an arm and a leg. If you’re talented in the kitchen, here’s an area where you can definitely profit.

Choose a dessert you excel at making, or one that’s meaningful for the couple.

Cupcakes are an obvious choice — they’re cheaper than a cake, easier to transport and trendy. Bake a few different flavors to please the varying tastes of the guests, and decorate them to wow the crowd.

4. Provide Musical Entertainment

Help make the day special with your musical talent.

If you’re a guitarist, play and sing while the bride walks down the aisle, or during the cocktail hour. If you have a band, get the crowd going at the reception.

Love to sing? Consider working weekends as a wedding singer to earn $400 and up per gig.

Or if you have the gear, spin up a wedding DJ side hustle.

Nick Smith from Southwest Indiana bought his first set of DJ sound equipment when he was 20 years old from a local bar that was closing down.

Sixteen years later, Smith runs his own successful wedding DJ business where he pulls in upwards of $1,000 a gig.

DJing involves some initial upfront costs, like music licensing fees and reliable transportation to move your gear.

But finding work is easy, Smith said. He’s performed at over 200 weddings, most of which came from friend referrals and word of mouth.

5. Create Decorations

Crafty people, rejoice! Weddings provide an abundance of opportunities for you to get your glue gun on.

Everything from centerpieces to place cards to favors is cheaper to make than to buy, so offer to design and execute all decorative needs for the wedding.

Shop at discount stores and buy in bulk to save money on your supplies.

6. Pick Up Catering Gigs

With wedding season in full bloom, now is a great time to find catering side gigs.

From bartenders and cooks, to servers and general kitchen staff, catering gigs run the gamut. Most shifts take place on the weekends and last seven to 10 hours per shift.

Catering staff tend to get paid better than restaurant staff. Expect to earn around $13 to $17 an hour, with some high-end events netting upwards of $25 an hour.

A woman looks happy as she looks in the mirror while getting her hair and makeup done on her wedding day.
Getty Images

7. Do Wedding Makeup and Hair

Every bride wants to look beautiful on her wedding day. That’s why people who do wedding makeup and hair earn big bucks.

If all your friends come to you for beauty advice, this might be the perfect job for you.

Be sure to do a test run a few weeks before the wedding. This gives you and the bride a chance to agree on a style, and helps avoid unwanted surprises on the big day.

If you want to take your bridal makeup business to the next level, get licensed and obtain limited liability insurance.

Make sure to Google the cosmetology laws in your state as well.

8. Love to Sew? Do Alterations

Sewing is a rare skill these days, but if you know your way around a needle and thread, you could earn major money altering clothes — specifically, wedding dresses.

Brides want their dress to fit like a glove — but don’t want to pay the high alteration fees charged at bridal shops.

Market yourself as an independent seamstress who can offer the same quality at a lower price, and you’ll have brides knocking at your door in no time.

9. Be an Officiant

If you aren’t shy around large groups and don’t mind delving into a few state and local laws, becoming a wedding officiant could land you a few hundred dollars per gig.

Becoming ordained is simple. It takes about five minutes and is usually free.

But according to FindLaw.com, Alabama, Connecticut, Virginia, Tennessee — and certain parts of Pennsylvania, New York and Las Vegas — don’t recognize online ordinations.

To be certain, you should ask a clerk at your county courthouse. You can also use this interactive map of state licensing requirements from the American Marriage Ministries.

If you want to start performing ceremonies on a regular basis, you will need to set a rate: $75 to $100 is a good starting point for officiants on average.

Rachel Christian is a Certified Educator in Personal Finance and a senior writer for The Penny Hoarder.



Source: thepennyhoarder.com

Harness the Power of Your Anxiety with Dr. Chloe Carmichael

If you’ve ever felt like your anxiety has been holding you back, then this interview with Dr. Chloe Carmichael is a must-listen for you. In her new book Nervous Energy: Harness the Power of Your Anxiety, Dr. Chloe shares her favorite tools for taking control of your anxiety and using it to fuel your professional—and personal—success.


Rachel Cooke
April 26, 2022

Nervous Energy: Harness the Power of Your Anxiety. With her doctorate in clinical psychology from Long Island University and her years of private practice in New York City focusing on issues including stress management and self-esteem, Dr. Chloe delivers a great piece of news: anxiety and nervous energy can be your superpowers when you learn to harness them for good.

In this interview, we discuss what our anxiety may be trying to tell us, and what strategies we might use in the moment to harness its power for good.

So, what is anxiety?

“I really think anxiety gets kind of a bad rap sometimes,” Dr. Chloe began. “People will often come and say, ‘Hey, Dr. Chloe, how do I get rid of my anxiety?’ And I want to explain that the goal is not to get rid of it. It’s a gift from mother nature. We get it for a reason… It’s actually a big source of energy. We just have to learn how to point [our anxiety] in the right direction. So, I think of it as that kind of heightened sense of awareness that we have when we realize that there’s some kind of a challenge or a situation that we don’t yet have fully resolved. And it’s that little tickle from mother nature saying, ‘Hey, let’s see how we can figure this out.”
In other words, anxiety isn’t necessarily a bad thing. It’s offering us insight and information that’s ours to pay attention to and make sense of. 

How might a mental shortlist soothe an overactive mind?

Dr. Chloe describes the “mental shortlist” as a great strategy for calming the mind.
“Having an active and tenacious mind can be a great thing until it starts to get in our own way,” she explains. She goes on to describe a case from her book in which a man was trying to prepare for an important meeting at work.
Once he had done all he could to prepare, he couldn’t seem to quiet his mind.
“He reached a point where he was just spinning his wheels, but he [couldn’t stop] thinking about it. And when you have a strong, powerful mind, your cognitive habits can be pretty hard and strong. So to help divert himself and use that mental energy for something better…What we do is we come up with a new mental shortlist… we think of five things in advance that we know are going to be much better in productive uses of our mental energy. And I encourage people to have the mental shortlist… It could be getting a jump on your birthday and holiday shopping.”
Telling your mind to stop thinking about something only causes you to think about it more. Instead, the mental shortlist redirects your mind to something else—something more neutral and productive.
What might you put on your mental shortlist?

What can a mind map do for an anxious mind?

Dr. Chloe also shares the story of “a stressed-out lawyer named Matt.” He realized at one point he had invested so much of himself in his job and his family that he had let go of taking great care of himself. 
“He was frustrated because he felt like he wasn’t living the life he intended when he became a lawyer… and he started to find himself really resenting his job.” So Dr. Chloe invited him to make a mind map about his career and what it really meant for him.  
The technique is described in more detail in the book. But it helps you organize—and see the connectivity between—the different moving pieces of your life. 
Through this technique, Dr. Chloe helped Matt to recognize “because of this income that you have, you could actually have a personal trainer come to your office and help you to train right there… And maybe we need to build your communication skills so that you and your wife can…make sure it’s clear to the children that dad is working in order to take care of us. That his time at work is not in competition with our family, [but rather] in support of our family. “
So with this mind map, he was able to “streamline his energy and use it to do things like workout or plan family vacations instead of just criticizing himself.” 
We discussed these tools—and several others from the book—in our interview. There’s something so empowering about recognizing you don’t need to conquer your nervous energy—you just need to hear and then harness it. It’s an essential part of what’s made you successful to date.