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Speaking at the Independent Community Bankers of America Annual Convention in Orlando, Florida today, Fed chief Ben Bernanke called on mortgage lenders to ramp up their loss mitigation efforts.

He noted that repayment plans and mortgage rate adjustments stem from the old school of thought, but that the current mortgage crisis demands more.

“Lenders and servicers historically have relied on repayment plans as their preferred loss-mitigation technique,” said Bernanke. “Under these plans, borrowers typically repay the mortgage arrears over a few months in addition to making their regularly scheduled mortgage payments.”

“These plans are most appropriate if the borrower has suffered a potentially reversible setback, such as a job loss or illness. However, anecdotal evidence suggests that even in the best-case scenarios, borrowers given repayment plans re-default at a high rate, especially when the arrears are large.”

Bernanke essentially echoed sentiment by many consumer advocacy groups who feel the loan modification plans being carried out are simply delaying the inevitable, but at the same time, added that not all could be saved.

“Of course, not all delinquent subprime loans can be successfully worked out; for example, borrowers who purchased homes as speculative investments may not be interested in retaining the home, and some borrowers may not be able to sustain even a reduced stream of payments.”

Currently, roughly a third of recent homebuyers are experiencing negative equity, according to a report by Zillow.

“But the current housing difficulties differ from those in the past, largely because of the pervasiveness of negative equity positions,” said Bernanke.

“With low or negative equity, as I have mentioned, a stressed borrower has less ability (because there is no home equity to tap) and less financial incentive to try to remain in the home. In this environment, principal reductions that restore some equity for the homeowner may be a relatively more effective means of avoiding delinquency and foreclosure.”

The Fed chief recommended principal reductions as a means to keep more borrowers in their homes, noting the high cost of foreclosure proceedings and the low level of success with modifications.

He added that servicers who agree to write down a portion of the mortgage balance could actually promote the chances of borrowers being able to refinance into a stable loan.

“For example, servicers could accept a principal writedown by an amount at least sufficient to allow the borrower to refinance into a new loan from another source.”

“A writedown that is sufficient to make borrowers eligible for a new loan would remove the downside risk to investors of additional writedowns or a re-default.”

In closing, Bernanke said more could be done to promote economic stability, and added that modernization of the FHA along with GSE participation and congressional action would be needed to address the current crisis.

Read the full text of his speech here.

(photo: stardust)

Source: thetruthaboutmortgage.com

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If you’re on the hunt for the best apartments in Orlando, you’re in good company. Orlando ranks as the fourth-largest city in Florida, and the population continues to boom.

Known as “The City Beautiful” and “Amusement Park Capital of the World,” Orlando sports eclectic apartment communities with poolside villas, social scenes and palm tree views for millennials and retirees alike.

Whether you’re seeking an apartment to return to after work or tan poolside during retirement, there’s something on this list of the 25 most popular apartments in Orlando for everyone.

The 14-story Julian kicks off our list. Located in the heart of Downtown Orlando, this community is by the Orlando Science Center, Executive Airport and tree-lined Baldwin Park. Apartments feature newly renovated interiors and open floor plans, resulting in plenty of spaces to kick up your feet and relax.

Need a studio, one-, two- or three-bedroom apartment? The 403-unit Julian has them all, so you’ll easily find an accommodating space for your Florida lifestyle.

Translating to “The Beautiful Life,” the apartments at La Bella Vida offer crown molding, elegant granite countertops and sliding glass doors leading to the balcony’s lovely views. Other perks include the light fixtures, tall cabinets and tiled showers — all comforting touches.

You’ll gawk at La Bella Vida’s location near banks, gas stations and medical centers. Plus, minutes away lies College Park, perfect for your morning stroll.

These spacious apartments are conveniently located off the turnpike close to many of Orlando’s theme parks, including Universal Studios and Walt Disney World. And, for medical needs, AdventHealth Celebration hospital is just minutes away.

Tenants enjoy the vaulted ceilings, walk-in closets and energy-efficient washers and dryers available in the units, too.

Last but not least, architecture with elongated archways and views overlooking a pond and fountain make Pinnacle Point a popular Orlando apartment.

With a resident coffee bar, lounge, clubhouse, valet trash and high-speed internet, the trendy University Park ranks high for Orlando apartment seekers.

These one-to-three-bedroom apartments feature oversized tubs, a tiled backsplash and upgraded cabinets and ceiling fans.

Living up to its name, the complex resides only minutes away from University Park, Full Sail University, Rollins College, Valencia College and the University of Florida, making it a top choice for millennials.

In the market for a one-four bedroom apartment or townhouse? The Amara community in the bustling, artsy Metro West neighborhood is a catch.

Here you’ll find an upscale $1,759 one-bedroom apartment worth every penny — stacked with modern open floor plans, accent walls, large windows and ceiling fans.

All in all, Amara’s amenities will have you drooling: Relax at the resort-like pool, lay around in a hammock or pump some iron at the state-of-the-art fitness center. If you can fork up the cash, consider this hip community.

Located at 14200 Colonial Grand Boulevard, the newly remodeled interior of Parkway at Hunter’s Creek sports vaulted ceilings, pickled oak and cherry wood cabinets and quartz countertops.

This complex even boasts a walking path to Hunter’s Creek Elementary School, convenient for families.

Finally, don’t forget its detached, remote-controlled garages, fitness center and gate access, too. Residents enjoy the neighborhood, too, which provides access to hiking, jogging and biking trails as well as a pet park.

With a tip-top maintenance team, exceptionally groomed landscape and a massive swimming pool, Avesta Forest Oaks fills our list at No. 19. Renters love the newly remodeled interior, complete with walk-in closets and vinyl hardwood-themed floors.

No doubt, Avesta Forest Hills is a must-see for Orlando apartment seekers due to its updated kitchen appliances and recently upgraded bathrooms.

Offering two to three bedrooms and two baths from 1,278 to 1,492 square feet, Village Townhomes come equipped with a fireplace and breakfast nook. The complex also provides guests with extra storage, a media center, playground and more. And, for the golfer, the Rosemont Country Club sits only minutes away.

Whether you wish to kick back at the pool or visit the onsite fitness center, Village townhomes aim to impress with private entry, upscale floor plans and resort-like amenities.

What do dual master bedrooms, granite countertops and split floor plans have in common? The Crest at Waterford Lakes apartments, that’s what. Here, you can peer off your balcony and view the Florida sunsets over palm trees and a reflective pond.

Don’t have furniture? No problem, the furnishing option is just one of many perks at this popular Orlando apartment complex.

This thoughtful community provides housing to adults with disabilities while encouraging independent living.

Perks include light housework, grocery pickup, meal prep and prescription refill services. Residents also appreciate the top-notch disability access, fitness center and high-speed wireless internet.

So, if you need some extra, kind support, Quest Village’s tagline says it all: “Welcome home.”

The 150-unit Veranda Club complex is reminiscent of European architecture and courtyards. It offers one-two bedroom apartments overlooking golf courses and an elegant fountain.

Located in the hub of Orlando near multiple restaurants and shops, apartments feature large archways, tall windows and walk-in showers.

Featuring one- to three-bedroom apartments starting at $1,840, East Orlando’s Pine Harbour mixes luxury, elegance and convenience.

Tenants love the 24-hour emergency maintenance, unique auto detailing center and clubhouse.

Inside you’ll find ceiling fans in every room, along with custom-designed cabinetry and a mosaic tile backsplash. The upscale kitchen with modern fixtures is no joke and balconies and screened-in patios are available.

Conveniently located near Orlando’s downtown, Pine Harbor also sports views of a lagoon pool and reflective water.

Near highways 417 and 418, River Park lives up to its name. The community is comfortably nestled by the Econ River, so you’ll often see residents out for a stroll. Tenants even receive their own private access to Blanchard Park and the serene duck pond on the premises.

With onsite parking for renters and guests, plus loads of planned social activities, the pet-friendly and classy River Park is a lovely place to call home.

Picture sitting under an umbrella by a massive pool; this could be you at Grove Apartments.

Not the relaxing type? Hit up the business center, playground or onsite clubhouse. Grove also offers short-term availability, all-electric kitchens and is conveniently located near Fashion Square and Colonial Plaza.

Lancaster Villas feature 145 units located near the Florida Mall. Residents look on from their balconies onto elegant landscaping, a swimming pool and a clubhouse.

Inside, you’ll find oversized closets, a laundry facility and open floor plans.

The District on Baldwin Park resembles a majestic mansion next to a large lagoon pool.

Whether you crave a studio, two-bedroom townhome or a three-bedroom apartment, you’ll appreciate the newly renovated interior, tall doors and stainless steel appliances inside.

Fitness fanatics will love Orlando’s Cricket Club community featuring a basketball court, fitness center, swimming pool, playground and dog park.

Safety is another highlight since you’ll find gated access, an alarm and onsite patrol. Plus, apartments are spacious and luxurious, with entertaining outdoor spaces.

If you’re searching for an apartment close to schools, shopping and restaurants, look no further than the energy-efficient single-story Blossom Corners Apartments.

Close to highway 408, Blossom Corners sports ample storage with large closets, attic space and a utility room. Head outside to the private fenced patio while viewing the manicured lawn.

At $943 for a one-bedroom, Blossom Corners is an affordable space behind its trademark, enticing blue doors.

Love the water? Check out Gulfstream Harbor — complete with catch and release fishing, boat and RV storage and a harbor patio.

Work up a sweat on the basketball, tennis, shuffleboard or pickleball courts and visit one of the three swimming pools. Georgeous units come equipped with a kitchen island, ceiling lighting and plenty of windows.

Orlando apartment searchers should consider Kara West’s smoke-free one- to three-bedroom, one-two bath apartments with water, trash and a pest service included. Ultimately, the apartments themselves feature large open floor plans, a balcony and a kitchen window nook.

Residents also appreciate the social events and the pet-friendly spaces.

Residents go ga ga for Pinnacle Cove’s vaulted ceilings and luxurious, pet-friendly 644 to 1,344 square-foot apartments with access to a playground and fitness center.

So, if the balcony views of the boardwalk to the gazebo and swimming pool aren’t dreamy enough, the palm trees and the pond are just as lovely too.

Finding an Orlando apartment furnished with a washer, dryer and dishwasher is no easy feat. But you’ll find all three in your pet-friendly Mosaic at Millenia unit.

Located near the Mall at Millenia, this gated community with intrusion alarms has safety covered.

Bonus amenities include a media room with surround sound, a resort pool, barbecues, billiards, volleyball/tennis courts and picnic areas. Another perk — the complex is within walking distance of public transit.

Located off Kingsgate Drive, Woodhollow is a hop and skip to Universal Studios and nearby Orlando entertainment.

Woodhollow units come cable-ready and equipped with a balcony, dishwasher and beautiful hardwood floors.

Plus, this community features quality spaces for both families and retirees.

First, this small apartment complex only has 28 units. Second, this complex boasts new interiors as well as top-of-the-line stainless-steel appliances.

You’ll love the hardwood flooring, sliding entrance ways and patio/balcony, too. A trendy close-knit community, Ava at Sodo is only eight minutes from Downtown Orlando.

Topping our list as the most popular Orlando apartment is Club at Millenia, with prices starting at $1,216.

Located near loads of golf courses, shopping and nightlife, boredom doesn’t exist here.

The apartments themselves feature upgraded kitchens with tiled backsplashes, open floor plans and various windows.

Other perks include the friendly staff and the resort-like pool.

The best apartments in Orlando

So what are you waiting for? Find apartments for rent in Orlando near the heart of entertainment, where you can also relax and enjoy Florida’s sunny views in no time. While living it up in the Florida sun, enjoy these Orlando apartments with amenities galore.

We looked at all available multifamily rental property inventory from January to June 2021 on Rent. to determine which properties with an Orlando mailing address are most viewed by organic internet searches. The information included in this article is used for illustrative purposes only. The data contained herein does not constitute financial advice, availability or a pricing guarantee for any apartment.

Source: rent.com

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For the first time since 2021 when Americans relocated in droves, Nashville once again is a top migration destination, according to a new report from Redfin.

Nashville, also known as Music City, is No. 9 on the list of the most popular destinations for homebuyers looking to relocate to a new metro area in October. Most people surveyed relocated there from Los Angeles.  

“A lot of Nashville locals have been priced out of homeownership, but when you’re coming from somewhere like California or New York, housing prices here still seem reasonable,” Redfin Premier real estate agent Kristin Sanchez said in a statement. “Nashville has relatively low property taxes, insurance costs and utility prices, along with no state income tax, all of which definitely help if you’re looking for a lower cost of living.”

While a lot of Sanchez’s clients were from California, she also reported working with people from Chicago, New York and Florida. Housing affordability remains one of the strongest assets of the Nashville housing market, but many buyers also relocated for professional reasons. Big companies such as financial firm AllianceBernstein or Amazon have headquarters in the city.

The typical home in Nashville in October went for $448,910 compared to $880,000 in Los Angeles. 

Sacramento, California, was the most popular destination among homebuyers relocating to a new metro area in October. Many people moving to Sacramento were from San Francisco, where the typical home costs $1.5 million versus the $578,000 in Sacramento.

Myrtle Beach, South Carolina, came in at No. 4 after appearing on Redfin’s list of most popular destinations for the first time in July at No. 9. Four Florida metros ranked in the top 10 in October: Orlando, North Port-Sarasota, Cape Coral and Tampa.

These metros have some elements in common: their affordability in comparison to outbound destinations, their location in the Sun Belt and their exposure to significant climate risks.

The rising threat posed by natural disasters such as hurricanes and flooding prompted many homeowners insurance providers to pull out from risk-prone areas in recent months. This could have a negative impact on home prices in those markets.

Homebuyers flee expensive cities

Homebuyers are deserting San Francisco, New York City and Los Angeles at a faster pace than any other metros in the United States. That’s according to a Redfin measure, the net outflow, which calculates how many more Redfin.com users are looking to leave a metro than move in.

It’s a common trend for people to leave expensive job centers in search of more affordable housing elsewhere. This explains why many homebuyers leaving Los Angeles chose to relocate to Las Vegas, where home prices are 50% lower.

However, some people are choosing to stay in expensive cities, especially when the median home sale price cools. San Francisco, for example, posted a net outflow of 25,700 in October 2023, down from 35,700 in October 2022.

Redfin attributes this decline to softening home prices in October, when the median home sale price was 10% below the record-high level in April 2022.

Source: housingwire.com

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For many frequent flyers in 2023, functional Wi-Fi has become a critical in-flight amenity. Many travelers demand access to the cloud while they’re, well, in the clouds.

But sometimes, the Wi-Fi is no good. It takes three tries to reload a page, or the connection cuts out right when you’ve found what you were looking for.

That’s frustrating enough for passengers on airlines like JetBlue that offer complimentary Wi-Fi, or for those who get free in-flight Wi-Fi through their airline elite status or an airline-branded credit card. But it’s most brutal for the people who pay specifically for in-flight Wi-Fi yet receive a service that hardly serves them at all.

I had a faulty Wi-Fi connection on a United Airlines flight in September from San Francisco to Orlando. On U.S. domestic flights, United sells Wi-Fi service for either $8 or 800 miles for MileagePlus members and $10 for everyone else. I opted to fork over 800 miles (NerdWallet values 800 miles at $9.60) for what’s officially labeled as “In-flight Wi-Fi Premium Full Flight.”

What I got wasn’t premium, nor did it last the full flight.

And it didn’t affect just me. Shortly after takeoff, the pilot announced that the internet wasn’t working and that the crew would reset the system. Even after the reset, the service kept cutting out intermittently throughout the five-and-a-half-hour flight. When it did work, the speed was slower than 1990s dial-up. Simply checking emails became an exercise in frustration.

Can you get a refund for bad Wi-Fi?

I contacted United customer service through the airline’s website to request a refund. I sent a brief email outlining my experience, including a screenshot of the poor connection, plus my flight number and date.

Within a day, a United customer service representative responded, and my miles were redeposited in my MileagePlus account within 48 hours.

Poor onboard Wi-Fi aside, my experience with United was pretty easy, and the airline hardly masks your ability to request a refund. United’s FAQ page even includes a link to a refund form (it’s the same page you’d use to request any sort of United refund).

United says that it monitors flights for low connectivity and that if it can tell you were on an affected flight, it will automatically refund you the next day. That didn’t happen in my case — probably because I booked my flight through a travel portal rather than directly with the airline — but United explicitly recommends that you request a refund if you don’t get one automatically.

But that doesn’t mean every airline will treat you the same.

Some airline customer service departments might be slower to respond. Some might try to offer you compensation in the form of miles, even if you purchased Wi-Fi in cash. Some might completely ghost you.

Making your case

To better your odds of getting a refund for bad in-flight Wi-Fi:

  1. Provide documentation: Take screenshots of the poor connection quality or keep a log of the times when you tried to connect to the Wi-Fi and the specific errors you encountered. Include that information when you contact the airline.

  2. Be specific: Provide as much detail as possible, including the flight you were on and the date.

  3. Be polite and professional: Even if you’re frustrated, maintain a courteous tone when communicating with customer service. The customer service employee didn’t break the Wi-Fi.

  4. Advocate for yourself: While you should be courteous, be explicit about what you want (assuming it’s a reasonable request). If you want a $8 refund for your $8 internet, state that. If the airline tries to offer you, say, 800 miles but you’d rather have the cash, be firm in how you want the refund.

  5. Be patient: The airline may need to investigate your claim before issuing a refund. From there, it can take some time for the payment to process.

Also, be realistic about how good the Wi-Fi will be before purchasing. Most airlines are upfront about the fact that streaming video or downloading large files probably won’t work. Alaska Airlines says internet service slows during torrential rains, while the aircraft is banking or if there’s snow or ice on top of the plane. It also says to expect spotty service in certain places, such as north of the Arctic Circle.

In most cases, buying Wi-Fi doesn’t have to be a gamble. If the connection is bad, a refund might be easy to claim. Then again, you’ll need a good Wi-Fi signal to request it.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:

Source: nerdwallet.com

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North Carolina: Where affordability meets natural beauty

Containing the Great Smoky Mountains and plenty of other parks, the draw of North Carolina is both its natural beauty and the relaxed character of the cities that have sprung up within it. From mountains to coastlines, the cheapest places to live in North Carolina offer affordability in a variety of idyllic cities.

The cheapest places in North Carolina to live for renters

It’s nice to see that some of North Carolina’s most popular cities, for everyone from tourists to college students, offer affordable housing that’s even lower than the state’s average. If you long to live in the mountains, then you’re covered. And if you prefer Piedmont or Coastal Plains, you’re also good.

If it’s time to call the Tar Heel State home and you’ve got a tight budget, start your search here. These are the 10 cheapest places to live in North Carolina to check out.

  • Average 1-BR rent price: $1,359
  • Average rent change in the past year: -4%

Just north of Charlotte, the city of Mooresville is an up-and-coming suburban town with major ties to the racing community. It’s the home of the North Carolina Auto Racing Hall of Fame and earned itself the nickname of “Race City U.S.A.”

The dedication to all kinds of racing runs deep in Mooresville, but the town is about so much more. Residents enjoy easy access to picturesque Lake Norman, the largest man-made lake in North Carolina. You can explore over 520 miles of shoreline that stretches into four different counties.

Heading back into the main part of Mooresville, you’ll also find a small-town feel infused throughout each activity, restaurant and shop. The historic downtown district has that quaint feel many look for when moving out of a larger city.

One particularly unique draw is that Mooresville offers up more than one opportunity to get close to some exotic animals at both the Lazy 5 Ranch and Zootastic Park.

Find apartments for rent in Mooresville

Buy a house in Mooresville

9. Chapel Hill

  • Average 1-BR rent price: $1,794
  • Average rent change in the past year: -1%

The most well-known attraction in Chapel Hill is the University of North Carolina. Pride in the ‘Heels, the ever-dominant basketball team, is so heavy it’s easy to see why die-hards claim to “bleed blue.”

While you’ll find plenty of college students in the area and activities to occupy them, the city has much more to it. A social place, you’ll find regular road races and festivals celebrating everything from antiques to bluegrass music.

To hit the most happening spot in the city, check out Historic Franklin Street. Here you’ll find dozens of boutiques, nightspots and restaurants.

With miles of trails and a paved Riverwalk right through the center of town, there is a lot to explore by foot in Chapel Hill. Very family-friendly — Chapel Hill offers activities that include visiting the Kidzu Children’s Museum, the Coker Arboretum and the Carolina Basketball Museum.

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8. Apex

Photo source: Town of Apex / Facebook
  • Average 1-BR rent price: $1,349
  • Average rent change in the past year: -7%

With a relaxing, small-town atmosphere and the convenience of big-city amenities, Apex works to hold onto its character even as more and more residents join the community.

Get to know the city by taking a walking tour of the historic downtown area. Here you’ll see buildings that date back to the late 1800s — including The Union Depot, listed on the National Register of Historic Places.

Considered one of the most intact, turn-of-the-century railroad towns in the area, Apex takes its history seriously without ignoring the present day. Among the restored buildings you’ll find excellent antique shops and specialty stores — not to mention some highly-revered restaurants.

It’s not all railroads around here though. There’s a nice cultural center in Apex which includes multiple galleries, studio classrooms and a theater.

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7. Asheville

  • Average 1-BR rent price: $1,544
  • Average rent change in the past year: +6%

Heading into the mountainous, western part of the state, you’ll find Asheville. This perfect town has eateries and craft brew spots that will wow even the most discerning foodie. The downtown area is walkable enough that you can explore this cool city center on foot.

For a step into elegance and history, visit the Biltmore Estate. Walk the grounds, stay on-site for a night or take a more formal tour. It’s the perfect place to snag a one-of-a-kind piece of art to take home!

Catering to more active folks, the Blue Ridge Mountains offer up ideal locations for apple picking, hiking, biking and even ziplining. For those looking for a home with a vibrant arts scene, the Downtown Arts District of Asheville is full of galleries and museums.

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6. Greenville

  • Average 1-BR rent price: $915
  • Average rent change in the past year: -3%

Not too far from the Atlantic coast lies Greenville, a charming, historic city that manages to keep a foothold squarely in modern life.

An outdoor person’s Mecca with proximity to the ocean, local swamps, the Tar River waterway and the Greenville trail system — Greenville offers everything from boating to fishing to hiking and much more.

When it’s time to refuel, the area is also renowned for its barbecue and beer. The county puts on a “Brew & ‘Cue” tour that allows patrons to get their “PassPork” stamped at various locations.

Lovingly called the “Emerald City,” Greenville residents appreciate that their beautiful home is also a thriving cultural, economic and educational hub. It’s home to East Carolina University and the Uptown district, where live music, food and art reign supreme

Find apartments for rent in Greenville

5. Winston-Salem

  • Average 1-BR rent price: $1,010
  • Average rent change in the past year: +5%

With a city so nice it earned itself a hyphen, Winston-Salem is one of the more well-known spots in North Carolina. Here you’ll find plenty of history, delicious food and of course, craft beer. There are multiple places to stop around town to sample the latest pour from local breweries.

Mild weather and friendly neighbors combine with a low cost of living to welcome residents to Winston-Salem. Drawing in mostly a younger crowd, thanks to nearby universities, you’ll find many young professionals and growing families. For those families interested in renting a house, the median home price rests at $260,000.

To get a solid dose of local history, visit Old Salem. This area pays homage to settlers from 1766 and is full of historic buildings, costumed interpreters and hands-on experiences.

For those looking for some natural beauty and great shopping, Reynolda Village provides both. Stroll through the gardens before popping into cute boutiques and delicious restaurants.

For exposure to the arts, walk Trade and Liberty streets downtown to see street art, murals and plenty of galleries.

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4. Burlington

Photo source: City of Burlington, NC / Facebook
  • Average 1-BR rent price: $1,087
  • Average rent change in the past year: -3%

Another North Carolina town that owes its existence to the railroad is Burlington. It only sprang up because the North Carolina Railroad needed a place to build, repair and maintain the tracks in the area. Still going strong today, Burlington mixes the old and the new to keep things interesting for residents.

A wealth of history combined with a passion for nature conservancy creates a community in Burlington unlike no other. With plenty of shopping and unique dining options — residents have plenty to enjoy in this city.

Visit the Conservators Center to wander through 45 acres of forested area and see over 70 large and small wild cats who call the area home. There’s also Cedarock Park, a 500-acre nature preserve that’s perfect for hiking, horseback riding and disc golf. This affordable area is rich in golf courses as well, making this town perfect for anyone looking to brush up on golf skills.

For the family, City Park offers a large playground and amusement park rides like a miniature train, carousel and airplane ride.

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3. Fayetteville

  • Average 1-BR rent price: $1,035
  • Average rent change in the past year: 0%

Just 65 miles south of Raleigh, the state’s capital, Fayetteville is an ideal commuter hub. Adjacent to Highway 95, you can easily go north to cities like Washington, D.C. and New York or take the southern route to Charleston, Orlando or Miami.

For those who want to keep it local, Fayetteville has a thriving downtown area with retail shops, restaurants and an impressive minor league baseball stadium.

You’ll also find an homage to the city’s rich history at the Airborne & Special Operations Museum and at the North Carolina Veterans Park. For some more natural beauty, make sure to stop into the Cape Fear Botanical Garden. The 80-acre site is only two miles from downtown.

Next door, you’ll also find Fort Bragg, one of the largest military installations in the world. Many military families stationed at Fort Bragg call Fayetteville home, giving it a reputation for being a community of ‘history, heroes and a hometown feeling.’

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2. Greensboro

  • Average 1-BR rent price: $1,117
  • Average rent change in the past year: +14%

Containing the trifecta of attractive qualities, Greensboro is a city with a lot of economic opportunities, affordable housing and an abundance of activity. This eastern North Carolina city has served as an important location in both the Revolutionary War and Civil War, so there’s no shortage of history around here.

For everyday living, Greensboro is a friendly and diverse community that’s perfect for foodies of every kind. Sample the many locally owned coffee shops or breweries alongside the variety of restaurants. Local farmers and native vineyards are big contributors to the menus around town.

A bit of a college town, you’ll find students attending a wide range of schools including the University of North Carolina at Greensboro, NC A&T State University, Bennett College, Guilford College, the North Carolina Zoo and Greensboro College.

Greensboro also plays host each year to the NCAA basketball tournament, bringing in even more college kids than those attending local schools.

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1. Carrboro

  • Average 1-BR rent price: $1,227
  • Average rent change in the past year: -5%

Known to have a progressive vibe, Carrboro is a small town packed full of flare. As far as affordable cities go, Carrboro is rich in offerings. You’ll find craft galleries, indie music venues, progressive theater and exhibitions and more. There’s no shortage of organic grocery stores, farm-to-table restaurants and artsy coffee shops.

Head to Main Street for most of the action around town, including the Carrboro Farmers’ Market featuring local artisans and crafts.

When all the art and culture of Carrboro pique your appetite, this little town has delicious offerings to fill your belly. From burgers to bistros, fine dining to pizzerias, you can eat a different cuisine each day of the week.

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The most expensive places to live in North Carolina

You’ve seen the cheapest places to live in North Carolina, but what about the other side? Fortunately, it’s not all bad. Even the most expensive cities in North Carolina offer up somewhat affordable housing.

Cities like Wake Forest and Garner, which top the list, still maintain an average rent for a one-bedroom of under $2,000 a month. Check out the chart to see where other North Carolina cities fit in.

Ranked City by 1-BR Average + Average Rent

1) Wake Forest: $1,846

2) Garner: $1,501

3) Indian Trail: $1,473

4) Cary: $1,380

5) Charlotte: $1,362

6) Huntersville: $1,341

7) Wilmington: $1,318

8) Concord: $1,294

9) Raleigh: $1,275

10) Morrisville: $1,270

Methodology

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory as of November 2023. 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.

We excluded cities with insufficient inventory from our cheapest places to live in North Carolina report.

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

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All sorts of retailers are attaching the name “Black Friday” to sales, says Jane Boyd Thomas, a professor of marketing at Winthrop University in South Carolina.

As the Black Friday sales go on longer and expand into more categories each year, you’ll find deals you might not have thought about. Here are six offbeat Black Friday buys.

1. Tires

Can you see the top of Lincoln’s head? Car nuts will know the penny trick for gauging tire wear. And if you’re due for a new set, tire retailers and manufacturers are ready to sell you some new rubber at a discount. Nationwide retailer Discount Tire’s website says it will drop Black Friday tire and wheel deals Nov. 23-29 this year.

Look for deals on batteries and filters too. Your local car wash may even run a Black Friday promotion. Car stuff on Black Friday. Who knew?

2. Big-ticket baby gear

After the baby shower, stuff gets expensive to replace without the help of family and friends. Black Friday could be a good time to get a discount on something you use a lot that may be wearing out.

Thomas, who’s about to be grandmother, says it’s a category she wouldn’t have thought about otherwise at this time of year. She’s seen an influx of digital ads for strollers and highchairs lately, some of which were marked down by 50% for early Black Friday, she says. The week of Thanksgiving should bring deals from all sorts of baby brands like Owlet and BOB Gear.

3. Furniture

Rather than roll the dice on a gift your mom or dad might not use, give them a comfortable place to sit for the next gathering at your house. Furniture isn’t the first thing that comes to mind for a Black Friday score, but deals on couches, chairs and tables are in full effect this November. You can get up to 35% off at LoveSac right now, and over at Macy’s, the popular Radley sectional couch is marked down 47% through Nov. 25.

Your relatives should appreciate the soft seating at holiday gatherings.

4. Amusement park tickets

You may not be thinking about theme parks at the moment, but there are deals worth cheering for this time of year. You can save up to 60% on tickets and annual passes to SeaWorld Orlando, for example, or up to 50% on tickets to Busch Gardens Williamsburg, Virginia. If a theme park visit is in your family’s future, look for a deal now.

5. Health and beauty supplies

Not everything has to be a big-ticket buy on Black Friday. You can also find good sales on smaller items like health and beauty products, for example. Thomas says it’s interesting to see how early retailers like Ulta Beauty have pushed out discounts.

Ulta deals are happening now and roll on through Nov. 25. Look for good discounts on items you need to restock, like shampoo and conditioner. Check the websites of your favorite brands for deals, too.

Also, look at your local drugstore on or around Black Friday for better-than-usual buys on toiletries and over-the-counter medicines.

6. Streaming services

Streaming services are getting pricey, and the cost of multiple subscriptions adds up. Last year’s Black Friday streaming deals included 50% off a Paramount+ annual plan and one year of an ad-supported Hulu subscription for $1.99 a month.

Check provider websites on Thanksgiving, Black Friday and Cyber Monday to make sure you don’t miss out. Note that offers may apply only to first-time subscribers.

Don’t let Black Friday break you

A great deal is still a bad reason to go into debt, offbeat buys notwithstanding.

NerdWallet’s 2023 holiday shopping report found that around half of Americans (52%) incurred credit card debt shopping for gifts last holiday season, and among them, nearly a third (31%) haven’t paid off these balances.

And if you’re taking on credit card debt to spend on a semi-discretionary item like a sofa, you may want to reconsider.

Even 50% off a $5,000 item is still a hefty $2,500 out of your budget, said Robert Finley, a certified financial advisor and founder of Virtue Asset Management in Chicago, in an email. Try not to be “seduced by a discount,” he added.

But let’s say you have the money saved for something you need — like tires — and you come in under budget on the purchase thanks to a holiday sale. Finley called what’s left over “found money,” and doesn’t recommend going shopping with it.

Instead, make sure to pay off credit cards to avoid interest, put savings toward student loans if you have them, and if anything is left, invest it, he said.

We won’t knock you if you still want to shop some, though. It’s Black Friday after all.

But while the masses are scrambling to save 20% on an air fryer, you might find something more useful on sale. Look around.

Source: nerdwallet.com

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Mmmmm donuts. Homer Simpson was onto something, for sure.

Whether it’s glazed, sprinkles or jelly-filled, donuts are one of the most iconic breakfast treats in the country.

Best cities for donuts

Our rankings go beyond favorite shops around the U.S. We looked at the 150 most populated cities in the country. Then, to create our top 10, we looked at the proportion of donut businesses in a city, donut businesses per capita and donut businesses per density.

Take a look at our top 10 best cities for donut lovers — you won’t be able to walk away without your favorite donut hole.

10. McKinney, TX

Historic downtown McKinney will capture your heart with its charm. Visit one of the many stores on Main Street, followed by a bit of barbecue and a concert at the McKinney Performing Arts Center.

The quiet town is only 45 miles from Dallas with about 15 donut shops per 100,000 residents, so you’ll have your pick. Get in line for one of The Donut Kitchen‘s apple cinnamon donuts that tastes just like fall.

9. Philadelphia, PA

We’ll never know if our forefathers enjoyed a good donut, but Philadelphia, indeed, has many options when you look both at density and per capita rank. You’ll get a unanimous “Beiler’s Doughnuts” on where to go first if you ask anyone in the city. The Amish bakery serves Pennsylvania Dutch doughnuts like an apple fritter, chocolate glazed cake and famous peanut butter and jelly.

For the vegan inclined, Dottie’s Donuts offers lemon lavender, vegan maple bacon, cinnamon sugar and even a vegan Boston Creme.

8. Orlando, FL

Orlando is currently a hub for some of the best donut shops in the country — Portland’s Voodoo Doughnut at Universal and the Salty Donut hailing from Miami with delicious cake donuts.

Or, Seattle’s Dochi Japanese Mochi Donuts serving donuts made with rice flour that are chewy inside and crispy outside. But it also has some delicious local options like DG Doughnuts‘ fluffy yeast donuts or Valkyrie Doughnuts‘ cronuts and vegan offerings.

Orlando has one of the highest per capita numbers in our top 10 list, with about 23 stores per 100,000 residents.

7. Boston, MA

Boston enjoys a high city walk score of 89, making it easy to hop from donut shop to donut shop in the mornings with a bit of cardio in between. The city has 11 stores per 100,000 residents and a high density of donut shops at 1.6.

Union Square Donuts takes the cake for most original with brioche-style dough that resembles more pastry than a donut but is equally good.

If you’re just looking for a cup of joe and a traditional donut, try Demet’s Donuts.

6. Newark, NJ

Newark isn’t just an airport layover stop — it’s also home to more than 25 Dunkin’ locations just minutes from each other. The density of Dunkin’ in Newark and how many hot and fresh donuts they’re making each morning pushes Newark to No. 6 on our list.

If you want something more unique, stop by Suissa. This small Portuguese bakery makes a deep-fried sonho, a sugar-topped donut you’ll love.

5. Buffalo, NY

In Buffalo, Paula’s Donuts reign supreme. Among the favorites? Paula’s peanut sticks, a cake donut stick coated in peanut. The menu also includes classic sprinkles, Bavarian-style donuts, glazed and jelly donuts. In a recent Buffalo News survey, one reader said that they would drive 1,800 miles for one.

You’ll have choices beyond Paula’s as Buffalo has 18 donut stores per 100 residents.

4. Providence, RI

Despite having a population of fewer than 200,000 residents, Providence has an impressive density of donut shops. For gourmet donuts, visit PVDonuts, a local favorite that serves brioche-style donuts along with seasonal offerings. Similarly, Knead Doughnuts makes fresh donuts every day via pre-order like maple sea salt, butternut squash fritter and spiced sour cream.

3. Jersey City, NJ

Sure, you could go to Krispy Kreme, but Jersey City has so many more donuts to offer. Taking the No. 3 spot on our list, Jersey City has both coffee shops and donut shops to choose from. The Grind Shop carries donuts from New York’s Doughnut Plant with flavors like matcha green tea, red velvet, PB&J and more.

Or, head to The LoDG, where very creative flavors rotate monthly. Don’t miss the Lil’ Chickies (chicken and waffles cake donut), What’s the Flan and Reverse O-S’moresis.

2. Rochester, NY

Family-owned and secret recipes are the name of the donut game in Rochester. Since 1958, Donuts Delite has baked their famous cannoli donuts. The donut is filled with fresh cannoli cream and chocolate chips. Ridge Donut Cafe, operating since 1977, boasts over 30 varieties, including the classic glazed, coconut and powdered blueberry.

Rochester has a pretty high density of shops, so these two will get you started on a delicious tour.

1. Worcester, MA

And our No. 1 best city for donut lovers is Worcester, with an impressive density of shops that offer hot donuts. Worcester also has a whopping 22 stores per 100,000 residents — that’s a lot of donuts near each other. Glazy Susan, a newer specialty shop in the city, slings flavors like cannoli, pumpkin cheesecake, maple French toast cake and, of course, chocolate sprinkle. Get there early, as the shop tends to sell out.

The 50 best cities for donut lovers

Your city didn’t make the list? D’oh! Don’t worry, check out the 50 best cities for donut enthusiasts below and find the nearest spot to you.

The top 10 worst cities for donut lovers

A lower density of donut shops leads to long lines, sold-out inventory and you missing out on a Saturday morning treat. Here are the top 10 worst cities.

Methodology

To find the best cities for donuts, we looked at the 150 most populated cities in the U.S. according to the Census Bureau’s population estimates. We then used a database of more than 8 million business listings to determine the count of donut shops in any given city.

Then, we calculated the proportion of donuts (donut shops compared to all businesses), donuts per density (donut shops per square mile) and donuts per capita (donut shops per population) in each area. We weighted these factors, and the cities with the best overall score were determined to be the best cities for donuts in America.

Business listings may not reflect recent openings or closures.

Muriel Vega is an Atlanta-based journalist who writes about technology and its intersection with arts and culture. She’s worked on content for startups like Mailchimp, Patreon, Punchlist, Skillshare, Rent. and others. Muriel has also contributed to The Washington Post, Eater, DWELL, Outside Magazine, Atlanta Magazine, AIGA Eye on Design, Bitter Southerner and more.

Source: rent.com

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The COVID-19 pandemic changed the way that we work. In-office attendance in some U.S. markets dropped 70-90 percent in 2020, according to The McKinsey Global Institute. The same research notes that in-office hours were 30 percent below pre-pandemic levels in 2022, with U.S. workers reporting to the office an average of 3.5 days.

The 2022 Renter Preferences Survey Report supports these findings. The largest group of renters surveyed (39 percent) were hybrid employees who worked from home a few times a week. Another 31 percent worked from home on a full-time basis. Remote work and hybrid work appear to be here to stay.

This shift away from the office hasn’t just changed the way people work in the United States. It’s changed where they live, too.

What hybrid workers want

The top cities for hybrid work are located all over the country. They include major urban hubs and small cities.

To find the best cities for hybrid workers, Rent ranked cities based on the coworking spaces per thousand work-from-home employees. This survey ranks the percentage of the population that works from home and measures the cost of living index. All features were weighted equally to come up with a score.

Affordable properties

Commute length isn’t as important when workers aren’t going into the office so often (or at all), so a key benefit of apartments in the often expensive city centers disappeared almost overnight. Yet rent prices rose 4.77 percent across the country between December 2021 and December 2022, followed by another marginal uptick between the end of last year and October of 2023.

Saving money became a key concern for many renters. Many remote or hybrid workers moved away from properties in the city center and relocated to more affordable metros, cities, suburbs and neighborhoods.

A lower cost of living

Relocating to a city with a lower cost of living index can save even more money. In addition to housing prices, the cost of living index also measures the price of food, utilities, transportation, health care and miscellaneous goods and services.

The average cost of living in the U.S. is reflected with a value of 100. So a score of less than 100 means a city is more affordable than the national average. A score over 100 means that city is more expensive than average.

Coworking spaces

Coworking spaces are a plus for the hybrid workforce. They provide practical resources and technical support, as well as an opportunity to connect with other remote workers.

Many rental properties have expanded amenities designed to attract and retain remote workers. They include reliable, high-speed internet; expanded work and meeting spaces and extras like complimentary coffee and tea or social spaces to relax after hours.

The 10 best cities for hybrid work

Half of the 10 best cities for hybrid work are located in the South. Another three are found in the Midwest. The Northeast and West also claimed one community each.

Tampa, FL

Tampa is the tenth-best city for hybrid work in the United States. The cost of living in this culturally rich and diverse community on Florida’s Gulf Coast is almost exactly the same as the national average – 99.8.

The city has a robust hybrid workforce. A quarter (25.2 percent) of Tampa’s residents work from home in some capacity. That’s easy to do when there are 56 coworking spaces in the city, roughly one for every two remote workers.

Pittsburgh

Next up is Pittsburgh, the only Northeastern city on the list of the 10 best cities for hybrid work, Pittsburgh thrived as a Gilded Age industrial and cultural hub. It’s expanded to include 90 unique neighborhoods joined by hundreds of bridges.

The cost of living in Pittsburgh is comparable to the national average (100.4). But it’s much more affordable than many of the other major metropolitan areas in the Northeast, one of the most expensive regions in the country.

A substantial portion of Pittsburgh’s 300,431 citizens (30.3 percent) are hybrid workers. A respectable 42 co-working spaces rest within the city limits.

Everett, WA

Bicycle-friendly Everett is the only Western city you’ll see here. Find this creative coastal city just off Puget Sound, 25 miles north of Seattle.

A cost of living index of 111.8 makes Everett the most expensive metro listed here. But it’s still more affordable than many other West Coast communities, which regularly top lists of the most expensive metropolitan areas in the country.

Everett is a small, approachable city (population 110,812), but it still supports remote work employees, who make up 15.6 percent of the city’s population. There are 17 co-working spaces in Everett.

Minneapolis

Minneapolis is Minnesota’s artistic and cultural center. Located along the Mississippi River, it also offers acres of parks, green space and lakes for residents to enjoy.

It’s a good bet for remote workers too. There are 50 coworking spaces in Minneapolis. This support system has helped attract 147,591.6 (and counting!) hybrid workers to Minneapolis already. They comprise just over a third (34.7 percent) of the city’s population.

A cost of living score of 98.99 means it’s slightly cheaper to live in Minneapolis than the national average. Some of these savings came in the form of rent reduction; the Minneapolis–St. Paul–Bloomington metro saw the largest year-over-year rent decrease in the country between December 2021 and December 2022.

Savannah, GA

The genteel southern city of Savannah takes the No. 6 spot on this list. The coastal Georgia city oozes charm and historic ambiance, from its cobblestone squares to the shady parks and stately oak trees draped with Spanish moss.

The cost of living index in this community is lower than the national average at 90.1. A total of 13,237.92 Savannah residents currently work from home in some capacity.

Savannah supports 13 co-working spaces. That’s a relatively high number (nearly one co-working space for every thousand workers), considering that hybrid workers currently make up 9 percent of the city’s workforce.

Greenville, SC

Remote workers move to Greenville for a quaint Main Street, a robust art scene and easy access to lakes, hills and trails in Paris Mountain State Park and beyond. A low cost of living (90.6) is another benefit for residents.

With a population of just 72,095, Greenville is the smallest city in the top 10. But despite its modest size, it’s still attracted and supported 13,337 hybrid workers.

These hybrid work employees make up 18.5 percent of the city’s population. You can find them working from home and at 10 coworking spaces throughout the community.

Rapid City, SD

With a population of 76,184, Rapid City is the second smallest city here. But it’s the largest community in the Black Hills, a region of jagged peaks, lush forests and almost impossibly scenic byways and hiking trails in western South Dakota.

A cost of living index of 93 means it’s more affordable to live in Rapid City than the national average. South Dakota stayed affordable throughout the pandemic as well. It was one of only two states where rent prices didn’t increase in the early months of the pandemic.

Rapid City is well-equipped to handle remote work, as the city currently houses eight coworking spaces. That means you’ll find 1.1 coworking spots for every remote worker, one of the strongest showings on our list. These hybrid employees make up 9.3 percent of the city’s population.

Atlanta

Atlanta is a commercial and cultural hub and a historical powerhouse that was central to both Civil War and Civil Rights history. With a population of 496,461, Atlanta is both the largest city in Georgia and the most populous city on our list of hybrid work hot spots.

It’s also home to the largest hybrid workforce in the top 10 — 38.7 percent of Atlanta residents work from home at least part of the time, beating the famous Atlanta traffic a couple of days per week. They’re supported by 92 coworking spaces.

The cost of living index is 101.6. That means it’s slightly more expensive to live in Atlanta than the national average.

Orlando, FL

Orlando is famous for Walt Disney World and Universal Orlando. But the sunshine and comfortable climate that draw tourists to central Florida also attract remote workers ready for a change of scenery.

Hybrid workers currently make up 19.1 percent of Orlando’s population of 309,154. Find them at one of the city’s plentiful coworking spaces. You’ll find 68 coworking spaces in Orlando, just over 1.2 for every thousand remote workers. That’s tied for the most on this list.

The cost of living in Orlando is 104.8. That’s more than the national average.

Green Bay, WI

The best city for hybrid work is Green Bay, Wisconsin. This laid-back, bayside city is perhaps best known for its professional football team, The Green Bay Packers. But Green Bay’s outdoor recreation opportunities and home-grown shops, restaurants and breweries appeal to all ages.

A household budget goes further here. With a cost of living index of 89.9, Green Bay is the most affordable city in our top 10 spots for hybrid working.

Green Bay is one of the smaller metros on this list, with 107,015 residents. But it does a good job of supporting the 12 percent of the population that works remotely. Currently, Green Bay houses 15 coworking centers. That’s 1.2 coworking spaces for every thousand workers – the highest on this list.

The takeaway for hybrid workers

The pandemic changed how — and where — people work in the U.S. The best cities for hybrid work support the remote workforce with coworking spaces, affordability and a sense of community outside of a traditional office.

Looking for the best of both worlds, where you can work in your apartment one day and collaborate in person the next? Find your next rental home or apartment here. Type in one of the cities mentioned above and browse through all your options.

Rent prices are based on an average from Rent.’s available rental property inventory as of November 2023. 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

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With a rent-to-own agreement, you sign a lease that dictates you’ll rent a home for a given period of time and have the option to purchase before the lease is up. It’s a little more complicated than a regular rental – and you’ll want to take specific steps to ensure the deal makes sense before signing – but it may turn out to be a great choice. Is rent to own a good idea, though? Here’s how to know if a rent-to-own home makes sense for you.

Know what you’re signing

Make sure what you’re considering is a lease with an option to buy, not a lease-purchase agreement. The latter requires that you purchase the home at the end, the former gives you the choice.

Know you can afford it

In a rent-to-own agreement, you have to hand over a small down payment – on average 3 to 5 percent of the agreed-upon purchase price. The good news is this will contribute toward your down payment should you opt to buy. The bad news is if you opt out, it’s non-refundable – so be sure it’s money you’re willing to risk.

You’ll also be paying above-average rent for the property. Why? That extra money will funnel into an escrow account that will also go towards your down payment.

It can be a great deal – if you can cover that monthly nut. But if you’re late with a payment, you’ll likely lose that extra money for good – and could even risk termination of the agreement, which means you won’t get any of your money back.

Know what you’re buying

You wouldn’t buy a home without an inspection, and rent-to-own homes are no exception. Find out if there are any problems with the property and address them before signing.

You also need to know if the property is in foreclosure, so you don’t lose your money when the bank claims the home. Consult with experts in real estate sales and law to get the answers you need.

Know the area, know the market

Rent-to-own homes can be a phenomenal deal in an area that’s on the rise. You can lock in a purchase price and may end up landing a desirable property at a really great rate.

Of course, this works in reverse, too, so be sure you either really love the home and location or have a good sense of where the market is headed, because you could end up paying more than it’s worth.

Customize your agreement

Rent-to-own contracts can be tailored to suit the needs of both buyer and seller. Go over details such as who is responsible for homeowners association fees or general house maintenance, things that a landlord would cover in a more traditional rental arrangement.

Feel confident in your decision

Rent-to-own agreements have loads of advantages, allowing buyers time to build or restore their credit before applying for a loan all while saving money for the down payment. So ultimately, the question of whether or not rent to own is a good idea for you comes down to your unique needs, financial situation and experiences.

Additionally, you’ll have time to take the house for a test drive before making a final decision – better to know about traffic patterns, cell reception and noisy neighbors ahead of time! You’ll also save money on the cost of a move if you decide to buy at the end of the lease.

Ready to look at some houses for rent? Tour some virtually with us first.

This content is for educational purposes only and does not constitute legal advice.

A.D. Thompson spent the first half of her 25-year career behind the editor’s desk, including time at Playgirl Magazine. Her work has appeared in The New York Times, The Orlando Sentinel and a host of other publications, print and online. Now a full-time freelancer, she is the Orlando expert for USA Today’s 10Best.com and writes about everything from Mickey Mouse to marijuana-based tourism with equal levels of enthusiasm – and occasional bouts of the munchies.

Source: rent.com