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Apache is functioning normally

December 2, 2023 by Brett Tams

REDDING — 

To the native Wintu people it was Bohem Puyuik, the “Big Rise,” and no wonder. Mt. Shasta towered above everything else, her loins delivering the natural springs and snowmelt that birthed a great river.

The Sacramento River provided such an abundance of food that the Wintu and many neighboring tribes — the Pit River, Yana, Nomlaki and others — had little to fight over. They thrived in pre-colonial times, on waters that ran silver with salmon, forests thick with game and oaks heavy with acorns.

But centuries of disease, virtual enslavement and murder wrought by European and American invaders scrambled the harmony that once reigned along the Upper Sacramento River.

Today, three tribes here are locked in a bloodless war. At issue is a proposal by one Indigenous group to expand and relocate its casino and whether the flashy new gambling hall, hotel and entertainment center would honor — or desecrate — the past.

The Redding Rancheria is pressing to replace its current Win-River Resort & Casino with a nine-story casino complex with more than double the number of slot machines and more than triple the hotel rooms.

(Carolyn Cole / Los Angeles Times)

The casino envisioned by the Redding Rancheria and its 422 members would rise nine stories on 232 acres along Interstate 5. The rancheria — home to descendants from three historic tribes — began planning the development nearly two decades ago, envisioning a regional magnet for tourists and gamblers.

But the proposal has been buffeted by influential opponents, including the city of Redding, neighborhood groups and the billionaire next door — who happens to be the largest private landowner in America. The naysayers list a cavalcade of complaints against the new Win-River casino complex, saying it would despoil prime farmland, exacerbate traffic, increase police and fire protection costs and threaten native fish in the Sacramento River.

Those complaints have helped stall, but not kill, the project, whose fate rests almost solely in the hands of the Bureau of Indian Affairs in Washington, D.C. And now the BIA’s obscure bureaucrats have been confronted with an explosive new charge from two neighboring tribes: that construction of the casino would desecrate what the tribes say should be hallowed ground — the site of an 1846 rampage by the U.S. Cavalry that historians say probably killed hundreds of Native people.

The Sacramento River massacre has not received the attention of other atrocities of America’s westward expansion, such as the one in 1890 at Wounded Knee, S.D., where U.S. troops killed as many as 300 Lakota people. Estimates of the carnage, recorded over the decades from witness accounts and oral tradition, range from 150 to 1,000 men, women and children slaughtered along the banks of the Sacramento River.

If the higher estimates of the death toll are correct, it would rank as one of the largest single mass killings of Indigenous people in American history.

Gary Rickard, chair of the Northern Wintu tribe, contends the Redding Rancheria’s proposed new casino would desecrate the site of a 19th century massacre of native people.

(Carolyn Cole / Los Angeles Times)

“In my heart, I find it hard to believe that there are Wintu people that are willing to build a casino on … the blood-soaked dirt of the massacre site,” Gary Rickard, chair of the Wintu Tribe of Northern California, told a state Assembly committee in August. “There are dozens of other places along the I-5 corridor and the Sacramento River.”

Redding Rancheria Chair Jack Potter Jr., himself part Wintu, called the claim that his tribe would build its casino on the massacre grounds “a slander that will not be easily forgotten.” He told state lawmakers that the real massacre site is miles away. Rancheria leaders said their opponents have manufactured the controversy for a less honorable reason: to block what would be a sparkling new competitor.

“Gaming in Indian country can be a tide that raises all of our canoes,” insisted Potter, who appeared at times to fight back tears as he spoke at the Sacramento hearing. “We should not battle against one another, in that spirit.”

Column One

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Friendships that go back decades and tribal ties of a century or more have been imperiled by the casino furor. Native people normally aligned against a hostile or indifferent U.S. government — “We’re all the children of genocide,” as one elder put it — have watched sadly as their conflicts turn inward.

It’s a dynamic that has played out before. Robbed of their ancestral lands, tribes now sometimes fight when one tries to claim new territory, often as a base for a lucrative modern endeavor: gambling.

The friction is exacerbated by the peculiar history of the Redding Rancheria — and by opponents’ eleventh-hour invocation of the Sacramento River massacre, 19 years after the rancheria began to assemble parcels for the project.

The casino envisioned by the Redding Rancheria would rise nine stories on 232 acres along Interstate 5 near the Sacramento River.

(Carolyn Cole / Los Angeles Times)

The Redding Rancheria refers to a nearly 31-acre stretch of land near the south end of Redding that the federal government bought in 1922 for “homeless Indians” who came to the area as seasonal workers for ranches and orchards. The rancheria sits in a relatively obscure location compared with the interstate-adjacent site of the proposed casino, more than three miles by car to the northeast.

In 1939, the Wintu, Pit River, Yana and other Indigenous peoples formed a rancheria government. It was recognized by the United States. But in 1958, an act of Congress “terminated” recognition of multiple California groups, including the Redding Rancheria, in an attempt to force Indians to disperse into the general population. It took a landmark 1983 court settlement to formally restore recognition of 17 rancherias, including the one in Redding.

The result is that there are Redding Rancheria members with Wintu blood, like Potter, 52, who firmly support the casino, while other Wintu descendants who are not descended from the original rancheria families, like Rickard, 78, adamantly oppose it. Rickard grew up with Jack Potter Sr. and has known his son since he was a boy.

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Cordiality prevails, at least outwardly, when Rickard and Potter meet today. But the bad blood between their groups has become fierce, exacerbated by the yawning wealth disparity between the rancheria and the Northern Wintu.

Rancheria members have thrived largely because of the success of their existing Win-River Resort & Casino, which operates 550 slot machines, a dozen table games, an 84-room hotel and an RV park.

Along with its existing Win-River Resort & Casino, the Redding Rancheria runs a Hilton Garden Inn and a marijuana dispensary in Shasta County.

(Carolyn Cole / Los Angeles Times)

The complex is the biggest income producer for the rancheria, which also owns a Hilton Garden Inn and a marijuana dispensary in Shasta County. Sources familiar with the tribe said each enrolled member receives a monthly “per capita” payment of at least $4,000 and perhaps as high as $6,000.

The rancheria’s chief executive, Pitt River descendant Tracy Edwards, 54, declined to discuss the amount of the payments.

That income, along with health clinics and other benefits, makes the Redding Rancheria members the envy of Indigenous groups with comparatively paltry assets. Rickard’s Northern Wintu claims roughly 560 certified members, but like many groups across America, the tribe has been laboring for years and still has not received formal recognition from the U.S. government. That means the tribe can’t put land into trust, a prerequisite to casino development and also a shield against federal, state and local taxes.

“We don’t have the resources in order to obtain the things we need,” said Shawna Garcia, the Northern Wintu’s cultural resources administrator. “We don’t have the revenue to assist our members with things like college, housing and other assistance.”

Historians and ethnographers say the Wintu were the predominant tribe around the site proposed for the casino complex, an expanse of meadow and scrubland that locals dub the Strawberry Fields because of its agricultural history. And Rickard questioned why the “pure-blood Wintu people” he represents have been left to struggle, while the rancheria — representing an amalgamation of tribal groups — stands poised to create an even bigger cash cow with its new casino.

Some area residents are wary of plans for a new and bigger Win-River casino complex in Shasta County, concerned it would despoil farmland and threaten native fish.

(Carolyn Cole / Los Angeles Times)

Before the arrival of European and American settlers, the Sacramento River provided such an abundance of food that the Wintu and many neighboring tribes had little to fight over.

(Carolyn Cole / Los Angeles Times)

Rancheria leaders like Edwards, a UC Davis-trained lawyer, have emphasized how the tribal group has supported Native and non-Native people, both as one of the largest employers in Shasta County and through its charitable foundation.

In just one year, 2018, the rancheria said it gave more than $1.2 million to community organizations, helping serve the homeless and victims of the Carr fire. During the early phase of the COVID-19 pandemic, the rancheria donated $5,000 each to 60 businesses struggling to stay afloat.

At a cost of $150 million, the rancheria’s new casino would feature 1,200 slot machines — more than double the number at its current casino — and with 250 rooms, the new casino hotel would be more than triple the size of the existing hotel. The tribal group has pledged to close its current Win-River casino when the new one opens.

The rancheria’s outsized community presence has created substantial goodwill around Redding, but a portion of residents have stepped forward — via petitions and ballot measures — to express disdain for large developments they feel could harm the rural character of their community.

Among the more powerful opponents is Archie Aldis “Red” Emmerson, president of logging giant Sierra Pacific Industries, whose sprawling estate looms along the Sacramento River, just south of the casino site.

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In 2020, an Emmerson-allied company purchased property from the city of Redding that included a portion of a road that would be the north entry to the casino site and created an easement that would have barred access to the rancheria land for all but agricultural purposes. The easement effectively would have thwarted the casino by blocking vehicle access to the development.

But in 2022, a Shasta County Superior Court judge voided the deal, saying that in selling the land (for just $3,000 to the billionaire) the city had violated its “own processes, procedures and the relevant law.” The ruling nullified the easement, preserving the rancheria’s unrestricted access to the property.

Todd Giles lives close to the Redding Rancheria’s proposed new casino complex. He worries about the effects on traffic and crime.

(Carolyn Cole / Los Angeles Times)

The Redding City Council and neighboring homeowners have maintained their opposition to the project for years, while a new conservative majority on the Shasta County Board of Supervisors recently reversed the county’s earlier objections. The supervisors supported the casino, despite admonitions from the sheriff, fire chief and county counsel that the agreement with the rancheria did not provide sufficient compensation to cover the increased costs of serving the big development.

The rancheria agreed to make one-time payments totaling $3.6 million to support Shasta County, the Sheriff’s Department and fire and emergency services. That initial infusion would be supplemented by recurring payments: $1,000 for each police service call and $10,000 for each fire/emergency service call.

No issue has unsettled intra-tribal relations, though, like the debate flowing out of the terrible events along the Sacramento River 177 years ago.

Oral histories of the Wintu and neighboring tribes recall how Native families and elders had gathered along the river known as the Big Water each year in early April for the spring salmon run. Traditionally, the season signaled rebirth.

But Capt. John C. Fremont had other ideas.

Fremont diverted his men from their ordered assignment: completing land surveys in the Rocky Mountains. The Americans instead went adventuring to California, where, in the spring of 1846, they responded to sketchy claims from settlers that they were endangered.

About 70 buckskin-clad white men set upon the Native people, the locals far outgunned by the invaders, each toting a Hawken rifle, two pistols and a butcher knife, according to UCLA historian Benjamin Madley‘s detailed account of the massacre.

The horsemen completed their grisly work with such evident pride that legendary frontiersman Kit Carson later bragged that the coordinated assault had been “a perfect butchery.”

The feud over a proposed new casino has sparked debate over precisely where the 1846 Sacramento River massacre occurred. Two area tribes contend this meadow was a key location in the atrocity.

(Carolyn Cole / Los Angeles Times)

The massacre marked the beginning of “a transitional period between the Hispanic tradition of assimilating and exploiting Indigenous peoples and the Anglo-American pattern of killing or removing them,” according to Madley’s “An American Genocide: The United States and the California Indian Catastrophe.”

Fremont (later a U.S. senator from California and a Republican presidential candidate) would say that his party attacked the natives because of reports of an “imminent attack” upon settlers. But the “battle” was one-sided, with the federal troops suffering no known casualties. Afterward, according to Madley’s account, Fremont’s men feasted on the Native people’s larder of fresh salmon.

In the nearly two centuries since, the tragedy would be more forgotten than remembered. There is no historical marker around Redding noting the event.

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The Wintu people believed to have been the principal victims have preserved memories of the mass killing in their oral history. But no ceremony marks the atrocity. And at the Wintu cultural resource center in Shasta Lake City, a wall-size timeline of the group’s history makes no mention of the 1846 bloodshed.

There’s also the now-pressing question — pushed to the fore by the casino feud — about precisely where the massacre occurred. The Northern Wintu and another outspoken opponent, the Paskenta Band of Nomlaki Indians, insist that the Strawberry Fields property was a key location in the atrocity.

Proceeds from its existing Win-River Resort & Casino have allowed the Redding Rancheria to offer tribal members a healthy monthly stipend, as well as healthcare clinics and other benefits.

(Carolyn Cole / Los Angeles Times)

The Paskenta commissioned a study by a retired anthropologist from Cal State Sacramento that drew on research from the late 1800s by a linguist from the Smithsonian Institution who, in turn, got much of his information from a Wintu elder who survived the massacre. The report, by Dorothea Theodoratus and a colleague, said that the “center” of the massacre was “opposite the mouth of Clear Creek” in the Sacramento River, a point roughly two miles south of the proposed casino location.

But other accounts from participants and witnesses said Fremont’s soldiers chased down victims after the initial assault, leaving the exact range of the bloodshed unknown. The Theodoratus report says that six villages, including two on the proposed casino property, were so thoroughly intermingled that all “would have had some direct involvement with that massacre.”

Andrew Alejandre, chair of the Paskenta Band, told the Assembly Governmental Organization Committee in August that his tribe is seeking to have the state and federal governments designate the Strawberry Fields a sacred site, off-limits to development. Alejandre, 35, said his tribe vehemently opposes building a casino “on top of men, women, children and elders. The spirit of these ancestors … Let them rest!”

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In rebuttal, Potter and rancheria CEO Edwards note that during the many years that they and others have pursued developments in the region, the rival tribes never mentioned the massacre. Divisive fights over a proposed auto mall and a sports complex (both scrapped) came and went without any discussion about desecration of a mass grave site.

“I would never disrespect the remains of my ancestors,” Potter said.

Fifty miles south of Redding in rural Corning, the 288-member Paskenta Band opened the Rolling Hills Casino and Resort two decades ago. The luxe gaming hall is just one part of an economic surge by the tribe, which has also opened an equestrian complex, an 18–hole golf course, a 1,400-acre gun and hunting center and a 3,000-person amphitheater, where Snoop Dogg performed in May.

The Paskenta Band of Nomlaki Indians operates the Rolling Hills Casino and Resort in Corning, along with an equestrian complex, amphitheater, golf course and hunting center.

(Carolyn Cole / Los Angeles Times)

Potter charged that the fight over the historic massacre is really a ploy by the flourishing Paskenta to squelch the Redding Rancheria’s hopes for a shimmering destination casino “because of the mistaken belief that it … will cut into the profits of their gaming facilities.”

Paskenta’s Alejandre, a designer who once ran a clothing company, denied that is the case.

While representatives for the Paskenta and Northern Wintu tribes bashed the casino proposal at the August hearing, representatives of at least eight other California tribes argued in support of the Redding Rancheria. One said the Redding group had proved itself a good steward of cultural resources.

Another speaker at the hearing was Miranda Edwards, the 28-year-old daughter of the rancheria CEO. The Stanford-educated Edwards and her mother spoke about the importance of moving the tribal group forward for the “Seventh Generation,” future descendants whose livelihoods must be planned for today.

“We work hard every day to provide for this rural community and make it the best that we can for everyone that lives there,” Miranda Edwards told legislators. “It’s disheartening to hear from those that choose not to see that. But it will not stop our work.”

Redding Rancheria CEO Tracy Edwards, left, and her daughter, Miranda, say the tribal group’s proposed new casino is part of a larger effort to look out for the livelihoods of future descendants.

(Carolyn Cole / Los Angeles Times)

Potter, the rancheria’s chairman, had a sardonic take on the dispute.

“We always talk about crabs in a pot,” Potter said. “We are like all these crabs, stuck in a pot. When one tries to get out of the pot, all the others reach up and pull him back in.”

Will arguments about the Sacramento River massacre sway the final outcome of the Redding Rancheria’s casino quest? A BIA spokesman said only that “these issues are under review.” Nearly two centuries after representatives of the U.S. military decimated a civilization here, the federal government still retains ultimate authority over the fate of Native people.

Watch L.A. Times Today at 7 p.m. on Spectrum News 1 on Channel 1 or live stream on the Spectrum News App. Palos Verdes Peninsula and Orange County viewers can watch on Cox Systems on channel 99.

Source: latimes.com

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Apache is functioning normally

December 2, 2023 by Brett Tams

Your ideal Indiana apartment awaits.

In this brief exploration of the cheapest places to live in Indiana, we delve into the unique aspects that make certain cities stand out as ideal havens for those on a tight budget. From accessible housing markets to economic diversity, each city on this list presents distinctive features that contribute to a cost-effective and comfortable lifestyle.

Join us as we uncover the hidden gems and economic advantages that make these places not only the most affordable cities, but also enriching for residents seeking financial stability.

Bloomington stands out among the most economical towns to call home in Indiana. Its cost-effective appeal is anchored in several key factors. Firstly, the city maintains a relatively low overall cost of living, encompassing affordable housing options and reasonable utility expenses. Beyond that, Bloomington offers accessible public transportation, minimizing commuting costs for residents on a budget.

The presence of Indiana University contributes to the city’s economic dynamic, fostering a competitive job market with opportunities for part-time and entry-level positions in the university itself. This aspect can be particularly advantageous for individuals seeking employment without compromising their financial constraints.

Grocery and everyday necessities are reasonably priced in Bloomington, allowing residents to manage their budgets more effectively. Additionally, the city’s commitment to green spaces and outdoor activities provides affordable recreational options, promoting an active lifestyle without significant expenses.

Fort Wayne offers affordable housing options, ensuring that individuals and families can find the best home price and right spot that aligns with their financial situation. The cost of living in Fort Wayne is notably reasonable considering the amenities that the city provides.

Ample job opportunities in Fort Wayne contribute to the income ratio and significantly to its affordability. The city boasts a diverse employment landscape with a range of industries, providing residents with various options for securing a comfortable income.

Furthermore, Fort Wayne prioritizes accessible and budget-friendly community facilities. The city’s commitment to parks and open spaces allows residents to enjoy outdoor activities without incurring significant expenses.

Hammond’s housing market is characterized by reasonable prices, ensuring that individuals and families can find cost-effective living arrangements that meet their financial needs.

One notable advantage of living in Hammond is its strategic location, providing easy access to neighboring cities and employment opportunities. This accessibility enhances the potential for securing affordable employment options, contributing to residents’ financial stability.

Additionally, Hammond’s strong food scene is full of affordable dining options, allowing residents to explore the world of various cuisines without breaking the bank. This culinary diversity adds a unique flavor to the city, providing residents with plenty of budget and family-friendly dining experiences.

One distinct advantage of affordable living here in Lafayette is its proximity to educational institutions and attractions. The presence of Purdue University provides opportunities for budget-friendly educational and cultural experiences, including lectures, events and performances that enhance overall quality of life for residents on a tight budget.

The city’s commitment to green spaces and outdoor activities is another notable aspect. Lafayette boasts well-maintained parks and communal spacess that are not only easily accessible but also contribute to a healthy and active lifestyle without significant expenses.

Lafayette’s local economy, supported by a mix of industries, presents residents with varied job opportunities, promoting financial stability for those seeking employment within their budget constraints.

One distinctive advantage of renting in South Bend is the city’s commitment to supporting a healthy lifestyle. Well-maintained parks and outdoor facilities not only provide residents with affordable leisure options but also contribute to a more active lifestyle without additional costs.

South Bend’s proximity to the University of Notre Dame is a notable aspect, offering potential renters access to educational and community resources without straining their budgets. The university’s presence enriches the local atmosphere and provides opportunities for affordable entertainment and intellectual experiences.

The city’s transportation infrastructure is another cost-effective aspect for renters. South Bend’s accessible public transportation system minimizes commuting expenses, allowing residents to navigate the city conveniently without a significant financial burden.

One notable advantage for renters in Evansville is the city’s affordable utilities and lowest cost of living expenses. Lower utility costs contribute significantly to the overall affordability of renting in the area, allowing residents to manage their monthly expenses more effectively.

Evansville’s commitment to community services and rec facilities is another key aspect. The city is home to a number of parks, affordable outdoor activities and open green spaces that contribute to a high quality of life for renters seeking budget-friendly leisure options.

The local job market in Evansville is full of employment opportunities, ensuring renters have access to a range of options that align with their skills and qualifications. This economic diversity supports financial stability for individuals seeking employment within their budget constraints.

One distinctive advantage for renters in Kokomo is the city center’s affordable cost of living. Lower living expenses, including utilities and everyday necessities, make it a particularly attractive and affordable place for those seeking to manage their monthly budgets effectively while renting.

Kokomo’s community focus is another noteworthy aspect, as the city prioritizes local events and affordable activities. Residents have access to safe parks, community spaces and budget-friendly entertainment options.

The city’s strategic location and ease of transportation contribute to its appeal for budget-conscious renters. Kokomo’s accessible transportation infrastructure minimizes commuting costs and enhances convenience for residents navigating the city on a budget.

Muncie is home to Ball State University, providing renters with access to affordable educational and cultural experiences. Renters on a budget can attend events, lectures and performances at ball state university without significant financial strain.

Muncie has a great secondhand market scene, from thrift stores to community markets. This allows budget-conscious renters to furnish their homes, update their wardrobes and meet their daily needs at a fraction of the cost compared to new items, contributing to significant savings.

Muncie boasts a variety of budget-friendly local eateries and diners. Residents can enjoy unique culinary experiences without breaking the bank, thanks to the city’s affordable dining options that cater to various tastes and preferences.

One noteworthy advantage for renters in Gary is the city’s strategic location. Positioned near major highways and transportation hubs, Gary facilitates easy access to neighboring cities, providing residents with diverse employment opportunities. This accessibility enhances the potential for renters to find jobs that align with their skills and financial needs.

Gary’s commitment to green spaces is another unique aspect that caters to individuals on tight budgets. The small city also maintains well-kept parks and outdoor areas around town that not only provide residents with affordable recreational options but also contribute to a healthier lifestyle without the need for expensive memberships or facilities.

Moreover, Gary’s local initiatives for affordable community services, like healthcare clinics and assistance programs, help renters manage their basic needs without incurring significant costs. This focus on community support services contributes to an overall more sustainable and budget-friendly living experience.

One distinctive advantage for renters in Terre Haute lies in the city’s commitment to green spaces and outdoor activities. With a ton of parks, hiking nature trails and public use areas, residents can do as they please in the great outdoors.

The city’s proximity to Indiana State University adds a unique dimension for Terre Haute renters on a budget. Access to the university’s educational resources, including libraries and events, provides affordable opportunities for personal enrichment, further enhancing the overall living experience.

Find your affordable Indiana apartment today

In the heart of the Midwest, Indiana unfolds as an area full of affordability, with cities like Terre Haute, Muncie and Gary providing distinct advantages for individuals seeking budget-friendly living in affordable places.

As we conclude our exploration of the cheapest places to live in Indiana, it becomes evident that these cities and towns not only prioritize financial sustainability but also offer a rich tapestry of experiences for those seeking to thrive within their means.

The most expensive places to live in Indiana

Known for its affordability, Indiana also houses pockets of opulence in certain areas where the cost of living is notably higher. In cities like Carmel, a northern suburb of Indianapolis, and Zionsville, residents experience a lifestyle marked by upscale amenities and a high standard of living. The housing market in these areas is characterized by luxurious homes and exclusive neighborhoods, contributing significantly to the elevated cost of living. With top-tier schools, large parks and upscale shopping and dining options, these suburbs attract those seeking a more affluent residential experience.

Another noteworthy enclave of affluence is located in Fishers, an Indianapolis suburb that consistently ranks among the most prosperous places to live in the state. The city’s planned communities and upscale developments contribute to a higher cost of housing and the meticulously manicured neighborhoods reflect a commitment to providing residents with an elevated living experience. The presence of high-end shopping centers, gourmet restaurants and exclusive recreational facilities adds to the allure of Fishers as a haven for those who can afford the finer things in life.

In the southern part of the state, Newburgh is renowned for its picturesque riverfront properties and upscale residences. The town’s charming ambiance, historic architecture and waterfront views contribute to the premium living experience that comes with a higher price tag. While these areas represent some of the most expensive places to live in Indiana, they also showcase the diversity within the state and population, catering to residents who prioritize luxury and exclusivity in their residential choices.

Your ideal Indiana home awaits

Whether you’re looking for a budget-friendly apartment or a large house on the water, you can find the right place in just a few clicks today.

Source: rent.com

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Apache is functioning normally

December 2, 2023 by Brett Tams
Apache is functioning normally

Pennsylvania, the Keystone State, offers a range of diverse living experiences from bustling urban centers like Philadelphia and Pittsburgh to serene rural boroughs. Amidst this diversity, cost of living is a key factor for many looking to relocate within the state. For renters, some cities in Pennsylvania stand out as particularly economical options. Our analysis identified five cities – Johnstown, Indiana, Pottsville, McKeesport, and Butler – as the most affordable places to live for renters. Each of these cities offers the charm and amenities of Pennsylvania living, while being friendly on the pocket too.

Johnstown, PA

Johnstown, home to close to 20,000 residents, shines as one of the most affordable cities in Pennsylvania. With a median income of $29,171 and a median rent for a two-bedroom apartment at just $685, Johnstown is a great option for renters. Despite the modest cost of living, the city doesn’t lack for attractions. It’s home to the Johnstown Flood National Memorial, the Johnstown Inclined Plane – the world’s steepest – and the Grandview Cemetery. The city’s rich industrial heritage and resilient spirit offer a unique living experience.

Indiana, PA

Indiana, Pennsylvania, offers a compact small-town charm with a population just above 13,000. Notwithstanding the median income of $30,934, the living expenses here are quite low with a two-bedroom rental asking price of $601. Indiana is home to the Jimmy Stewart Museum, dedicated to the legendary actor and native son. Access to education is easily available with the Indiana University of Pennsylvania in town. With many parks and recreational spots like Blue Spruce Park and Yellow Creek State Park nearby, Indiana provides a balanced and affordable living experience.

Pottsville, PA

Pottsville, with a population of over 13,000, boasts a remarkably reasonable median two-bedroom rent of $412. The city, with a median income of $39,154, offers a high quality yet economical lifestyle. Home to the historic Yuengling brewery, the oldest in America, Pottsville is rich in culture and history. Beautiful local parks like Rotary Park and JFK Memorial Pool and recreation areas offer ample opportunities for outdoor activities.

McKeesport, PA

In terms of affordability, McKeesport stands out, especially with a modest median home value of $51,200. Renters will find it good value for money with a median rent of $903 for a two-bedroom home. McKeesport’s population of 19,128 benefit from the city’s great location at the confluence of the Monongahela and Youghiogheny rivers. The city’s Renziehausen Park Rose Garden is a local treasure, and the Great Allegheny Passage trail offers a great opportunity for biking and hiking.

Butler, PA

Despite being the smallest city on the list with a population of 13,008, Butler packs in an impressive punch when it comes to affordability. With a median income of $32,746 and a median rent of $785 for a two-bedroom home, it makes for a great place to live for renters. Butler is known for its historic landmarks like the Butler County Courthouse and is just a short drive from Moraine State Park, offering lots of outdoor activity options.

Methodology

The cheapest cities in each state were ranked based on its median home price and median asking rents for studio, one-, two-, and three-bedroom units. Prior to ranking, inputs were normalized, and weights were applied using a 1.25:1 ratio of asking rents to home prices.
Data on home prices are from the U.S. Census 2016-2020 American Community Survey 5-year estimates. Data on asking rents are from Rent.
Cities without data for one- or two-bedroom asking rents or a population of less than 10,000 were removed from this ranking. Any other missing values were zeroed and did not impact the final score.

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Apache is functioning normally

November 30, 2023 by Brett Tams

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, Las Vegas and Orlando were the most popular migration destinations in October

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.

Related

Source: housingwire.com

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Apache is functioning normally

November 10, 2023 by Brett Tams

Many people consider homeownership a rite of passage, a part of the American Dream, and a key way to build wealth. But recently, as home prices and mortgage interest rates have risen, some may wonder, “Is buying a home a good investment, no matter what?”

It can be challenging to gather enough funds for a down payment, qualify for a mortgage, and then afford all of the costs that go along with homeownership, such as property taxes, maintenance expenditures, and utilities. But to live in a place you love while building equity can be a win-win.

So if you’re wondering “Is buying a house a good investment?” vs. say, investing your money, you’ll have to take a closer look at how homeownership relates to your personal financial situation. Read on to learn how to evaluate what will be the right decision for you, starting with important questions to contemplate.

Is It a Good Investment to Buy a House?

In order to determine if buying a home is a good investment for you, you’ll need to estimate the amount of time you plan to own the house and the real estate marketplace dynamics.

•   If you don’t plan to own the house for at least five years, you may not break even when you sell the home. When you buy a home, you pay for more than just the house and those costs can add up. You’re often paying for appraisals, mortgage application fees, inspections, movers, real estate agent fees, and that can add up to thousands of dollars.

In order to recoup all those fees, conventional wisdom says you need to wait at least five years for your home to appreciate before selling it. If you plan to live somewhere for less than five years, it could make the most financial sense just to rent property.

•   You may also want to consider other aspects of whether it’s a good time to buy a house. For example, is it a hot or cool market? Are you likely to wind up in a bidding war (and possibly overpay) because there isn’t enough supply to meet demand? Are interest rates likely to fall over the next year? These dynamics can impact whether now is the right time to jump into the housing market.

💡 Quick Tip: With SoFi, it takes just minutes to view your rate for a home loan online.

Do You Have Sufficient Savings to Buy a House?

In order to buy a home, you’ll generally have to take out a mortgage to finance your home purchase. Before that’s not the only expense. These costs must also be covered:

•   Before you even get to the mortgage stage, you’ll have to save for a down payment (which is often anywhere between 3% and 20% of the property’s purchase price) and closing costs, which are typically 3% to 6% of the loan amount. This can mean a significant chunk of change.

•   There are continuing costs you’ll have to account for, such as home insurance, property taxes, general maintenance, and emergency home repairs.

When you are renting, if the kitchen sink springs a leak, your landlord will take care of it. But when you own a home, those repairs will be entirely your responsibility. Having an emergency fund saved up will help you deal with unexpected costs associated with homeownership.

Also, if you are purchasing a house as an investment vs. using it as a primary residence, can you afford to buy a house while still renting? That is a situation in which you will want to map out your cash flow and make sure you are prepared if you can’t flip or rent the property as quickly as anticipated. An emergency fund could also be invaluable in that scenario.

Are You Confident in the Housing Market?

The housing market rises and falls; take a close look to evaluate current trends. Home prices skyrocketed during the Covid pandemic and have continued to rise recently. This can make it difficult for first-time homebuyers to find a suitable home that is in their price range. It’s important to be prepared as you start to look at homes. Understand your budget and make sure you have saved enough money to make a down payment on the property.

Also be sure that you understand how mortgage rates can impact the affordability of housing and what your home shopping budget looks like.
💡 Quick Tip: If you refinance your mortgage and shorten your loan term, you could save a substantial amount in interest over the lifetime of the loan.

Are You Ready for the Responsibility?

When you own your own home, you have a lot of freedom to make the space completely your own. With all of this flexibility comes a lot of responsibility. If the house has a yard, you’ll be responsible for regular maintenance and upkeep.

Will you need to pay for a new roof soon? Buy a lawn mower? If you live in an area with harsh winters, will you need to get a snow blower or hire someone to clear the driveway after each snow storm? These costs can add up.

So make sure you are ready for the financial responsibility that comes with owning a home before you make the purchase. You’ll have to account for repairs, improvements, general upkeep, insurance, and taxes. Not only does all of this cost money, it will take your time and attention as well, which isn’t necessarily the case when you rent. If you’re not ready to always be “on call” for your property’s needs, it could be a homebuying mistake to purchase.

Recommended: Should I Sell My House?

Are You Willing to Live with a Long-Term Loan?

Buying a home can mean you’re taking on a loan for perhaps 15 or 30 years. That’s a major undertaking. Part of the process of learning how to buy a house is educating yourself on how mortgages work and the different types available. Generally, there are two types: fixed rate and adjustable-rate mortgages.

•   A fixed-rate mortgage keeps your payment level over time, typically 15 or 30 years, because the interest rate remains stable.

•   The interest rate on an adjustable-rate mortgage loan fluctuates over time. They usually start out lower than a fixed-rate loan but often rise in later years.

To see what a mortgage could mean for your finances, take a look at an online mortgage calculator to compare different types of loans and see what your costs might look like. If a loan could be part of your life for three decades, you want to make sure you’re comfortable with it.

Remember that while it may seem daunting to take on a 30-year obligation, a mortgage helps you build equity in an asset that generally increases in value as time passes. Is a house a good investment? Historically, yes, if you take the long view.

Over the years, homeowners build up equity in the house as they methodically pay off more and more principal with less monthly payments on each loan payment. Many smart borrowers pay extra each month toward the principal to pay off the mortgage sooner.

Recommended: Quiz: Should You Buy or Rent a Home?

Pros and Cons of Buying a Home as an Investment

Before a major financial move, it’s important to consider the benefits and downsides. You’ll want to know what are the pros and cons of buying a starter home or a subsequent property. Consider these points.

Pros of Buying a House

Here are some of the upsides of buying and owning a home:

•   You will build equity in your home over time, which can help you grow your wealth. Your home value may appreciate as well.

•   There may be tax advantages to homeownership, such as deducting mortgage interest.

•   Paying your mortgage payments on time can help build your credit.

•   You can renovate the property as you see fit, unlike the case with rental units.

•   You likely have a good idea of your monthly housing costs for the long term. If you are renting, you could face significant fluctuations.

•   There’s a feeling of security for many people when they know they own their home.

Cons of Buying a House

Next, it’s wise to consider the disadvantages of buying a home:

•   You typically need to pay for the down payment and closing costs, which can be a significant financial hurdle.

•   You are likely locking into long-term debt, and it can take a while to build equity.

•   There is no guarantee that your home’s value will grow over time.

•   The costs related to owning a home can be significant. This includes expenses like property taxes and insurance, as well as home repairs.

•   You will have less flexibility if you need to move for a job, say, or want to relocate to be closer to friends and family. Selling a house can involve time, energy, and money.

Ready to Buy? Consider a SoFi Mortgage

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

Is it wise to buy a house as an investment?

Whether it’s wise to buy a house as an investment will depend on many factors, such as your personal finances and current economic and real estate trends, as well as whether the property is a place that’s a good home for you to live in for at least several years.

Is buying a house worth it in 2023?

Buying a house in 2023 can be challenging because home prices and mortgage rates have been rising. However, if you can afford the monthly mortgage payments, plus the down payment and ongoing costs of homeownership, it may still be the right move for you.

Is owning a home an asset?

In general, a home is considered an asset. Yes, you typically have a mortgage, which is a liability, but on the plus side, you are building equity while having a place you enjoy living.



*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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

SOHL1023243

Source: sofi.com

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Apache is functioning normally

November 1, 2023 by Brett Tams

Rates for a 30-year, fixed-rate mortgage are the highest in over 20 years and may stay elevated for some time.

As borrowers reel from the sticker shock of conventional mortgages, lenders could see a surge of demand for alternative lending products, such as adjustable-rate mortgages (ARMs), for the first time since the financial crisis.

Most potential borrowers should familiarize themselves with how these products work. Without the proper guidance, they could be enticed by attractive introductory rates only to choose the wrong product for their personal or financial situation in the long term.

One way lenders can create value is to upgrade the shopping experience so borrowers can easily understand, compare and contrast the available products. Here are three tips that can help.

1. Ask the right questions upfront

Most lenders ask borrowers a few initial questions to understand their needs better. But many tend to focus on the basics, like whether a borrower is a first-time homebuyer.

With more products on the table, lenders will need more granular data to steer borrowers toward the right one. In many cases, that product may still be a fixed-rate mortgage. But for some borrowers, a less traditional loan type could make the most financial sense. 

What is the best way to help borrowers choose? Start by asking enough questions early on to create a holistic borrower profile. We recommend enhancing your POS flow with an initial questionnaire. Ask these questions:

  • How long do they plan to stay in their home?
  • How comfortable are they with uncertainty?
  • How comfortable are they potentially making higher monthly payments after three, five or seven years?

Of course, the more questions you ask upfront, the more overwhelming the shopping process can feel to borrowers. To ease folks in, we suggest these action items:

  • Break down your questionnaire into manageable chunks. 
  • Add a progress bar that displays what percent of the questionnaire remains. 
  • Add a “Save and Continue Later” button that gives borrowers more flexibility (and allows you to keep folks engaged).

Add context about why you’re asking for specific information at every stage. Tooltips can be a powerful way to do so; they give borrowers the flexibility to toggle explanations. Tooltips are helpful when it comes to educating customers on your products, which we’ll dive into into next.

2. Educate borrowers early and often

Exotic lending products went mainstream in the early 2000s, leading, in part, to the 2008 financial crisis and the subsequent regulatory overhaul.

It’s worth emphasizing just how little borrowers knew about these products. In the run-up to 2008, many lenders emphasized low introductory mortgage rates and weren’t required to disclose the final terms until closing day. Without enough timely information to ask questions and compare options, borrowers had loans they couldn’t afford.

Today’s regulations require more precise disclosures earlier in the process to help people make more informed financial decisions. But they only apply after a borrower has submitted a loan application, which leaves room for ambiguity when shopping.

When lenders educate up front, they can add value when borrowers need it most. Here’s what we recommend:

  • Tailor your educational content to the borrower’s profile. Your initial questionnaire can help. For instance, if a borrower says they plan to relocate to Chicago in a few years, they might be a better candidate for a five-year ARM than someone who intends to stay in Charlotte indefinitely. At the comparison stage, you can prioritize education about that product and deprioritize products that might be a poor fit.
  • Help borrowers understand how rates may change over time. For instance, don’t just display a 3% teaser rate for an ARM. Instead, explain whether it adjusts annually or semiannually, along with the maximum annual adjustment factor and lifetime cap, plus what factors will affect the adjustable rate.
  • Offer information about refinancing. Many borrowers are familiar with the concept but may need to learn how it works. Spelling out the specifics may make some borrowers feel more comfortable taking on a fixed-rate loan at a 7% or higher rate.
  • Create an intuitive shopping experience. Avoid the dreaded info dump, where lending products display on an endless scroll with intimidating blocks of text. Instead, let borrowers compare a handful of products side by side. And present only the most important details first, with drop downs or tooltips that offer more information.

Even in a digital-first shopping landscape, loan officers are still a valuable resource for borrowers. Alongside on-screen sidebars and tooltips, ensure that borrowers can connect with a human expert for more hands-on guidance.

The goal is to help borrowers understand the risks and rewards of every product available and feel more confident in their decisions. 

3. Invest in the right technology

The key to a top-notch shopping experience is a digital platform that allows for everything we’ve discussed so far — all while fitting seamlessly with the rest of your origination software. Creating that platform, though, is often easier said than done.

For instance, if you choose to build your platform, you’ll have plenty of freedom in its design. But you’ll have to integrate it with your point of sale (POS) on the back end. That could make for a longer and more complex project that eats up more of your organization’s resources.

On the other hand, it might be worth talking with your POS vendor about customizing the shopping experience to fit your goals. This route could help you save on development time. 

However, most vendors don’t prioritize software features that seem like “nice to haves.” So you’ll have less control over the features that do get added, not to mention the development timeline. And keep in mind that if your vendor adds new capabilities, any lender — including your competitors — will be able to use them.

There’s no single best path here, but consider partnering with an experienced digital specialist to help you weigh the options available. This way, you can make the right decision for your business and your borrowers.

As “exotic” lending products become more attractive, borrowers will value lenders that demystify the shopping process to connect them with the right product for their needs. 

But the truth is that helpful lenders win in any market conditions. By upgrading your shopping experience now, you can set yourself — and your borrowers — up for long-term success, no matter how the wind blows.

Steve Wolfe is an SVP of Banking and Fintech and Lloyd Booth is an Enterprise Solutions Executive at CI&T, a global digital specialist.

Source: housingwire.com

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Apache is functioning normally

October 31, 2023 by Brett Tams

Natural beauty. Plenty of golf. Perpetual sunshine. You know all there is to know about Phoenix, right? Well, maybe. But we’re pretty sure there are a few Phoenix secrets that non-residents aren’t aware of.

Everyone loves a good secret and every person has at least one. Just imagine how many secrets there are within the boundaries of a single city. Some good, some bad. They can determine whether you become friends with someone, work for a company or even move to a city.

We’re going to spill the tea and share some interesting Phoenix facts, some of which may intrigue you so much that you want to investigate the city even more!

30 juicy Phoenix secrets that just might make you want to move to this city

1. Phoenix is the 5th largest city in the country — growing by more than 163,000 residents in the past decade alone. The total population is 1.63 million. Another 16 million visitors come through the city each year.

2. You can go on an interdimensional art experience at the Phoenix Art Museum. The Fireflies exhibit by Yayoi Kusama surrounds visitors with mirrors and LED lights. Before you know it, your sense of depth feels like an illusion, and you feel like you’re floating through the night sky surrounded by fireflies or drifting through space encircled by millions of sparkling stars.

3. One of the things that draw people to Phoenix is the natural desert beauty. However, residents (for the most part) try to stay away from touristy destinations so they can get some peace and quiet and enjoy their hometown. One way to do this is to head over to Cholla Trail near Paradise Valley. It’s a 3-mile trail where you can hike and take in some of the breathtaking natural rock formations of the area.

4. Road Runner Farmer’s Market is one of the best-kept Phoenix secrets. It’s a sensory extravaganza where you can look, touch, taste and smell some delicious foods and incredible handmade, local products. The great thing about the farmer’s market is that it doesn’t cost a thing to soak up the atmosphere or even to sample some of the produce.

5. There’s no Daylight Savings Time in Phoenix. No irritation over losing an hour of sleep. Time is just constant here.

6. There are four deserts in North America and Arizona is home to a section of all four of them, including the Sonoran Desert. This is one of the few wet deserts, which makes it one of the greenest and most lush deserts in the world.

7. Arizona is famous for the saguaro cactus. The Sonoran Desert is one of the few native habitats of this type of cactus. They can live to 150 years old, though it can take up to 100 years before the cactus grows its arms. Phoenix secret: You’ll receive a felony charge if you cut one down without a permit, even if the cactus is on your own property.

8. Phoenix is sunnier than any other metropolis in the country with over 300 days of sunshine each year. Just be aware that more than 100 of those days will end up in the temperature range of 100+ degrees Fahrenheit.

9. There are approximately 15,500 golf courses in the U.S. and Phoenix has 200 of them. The city is definitely a golfer’s heaven. If you’re one of those people who think golf is a game that ruins a good walk, don’t worry, there are plenty of activities in the city for you, too.

10. The sunshine draws a crowd, particularly those who are older or who are sick of the snow and cold weather in other parts of the country. Because of this, hospitality is one of the top industries in Phoenix with approximately 500 hotels and over 40 resort properties.

11. Phoenix has an average annual rainfall of around 8 inches. Yet, farming has always thrived in Phoenix, due in large part to the irrigation canal system started by the Hohokam people, who inhabited the area around 700 A.D.

12. This city isn’t all about golf and hiking. Some residents here also strive to keep the Wild West alive. Pioneer Village consists of old west buildings, homes and cabins that date back to the late 1800s. You can choose to go on a guided tour or roam the town freely on your own.

13. One of Phoenix’s best-kept secrets is the Shemer Art Center and Museum. It’s such an awesome place, though, that its popularity has gained traction and it’s becoming one of the most beloved cultural centers in the city. In addition to special exhibitions and lectures, you can attend workshops and classes to learn about painting and jewelry making.

14. Desert Ridge Marketplace is one of the best places to go if you want to catch some live music. It’s a great date spot where you can listen to music (for free!) under the gorgeous Phoenix night sky. Or, you can watch a free movie during Movies in The Courtyard.

15. This city has a franchise in all four major sports leagues — the NHL, MBL, NBA and NFL. Only 13 other cities in the country can boast the same thing.

16. Phoenix has lower than average rental rates. That’s kind of hard to believe since the city is so big and has so many tourists and lux amenities. But the average rent in the city is on par with many smaller cities in the U.S., making it a hot destination for people looking to relocate. If you’re looking for apartments for rent in Phoenix, you’ll be happy to know there’s something for nearly every budget.

17. In 1940, there were only 65,000 residents in Phoenix. After World War II, though, the population started to grow swiftly, in part due to the availability of affordable in-home air conditioning and an untapped labor pool that industrialists took advantage of by moving manufacturing facilities into the area.

18. Phoenix is a haven for music lovers, particularly those who love playing instruments and have a high level of appreciation for said instruments. The Musician Instrument Museum is home to more than 16,000 instruments from nearly 200 countries.

19. Batman is actually from Phoenix. Just kidding — it’s really Dracula. Nope. Just kidding again. But there is a bat cave in the city (it’s actually a flood control tunnel) that is home to thousands — yes, thousands — of Mexican free-tailed bats. The bats gather to rest together during the day and then flock back to their destination during the evening hours.

20. If you thought the 16 million tourists visiting Phoenix each year was impressive, we think you’ll be even more awestruck by this number: 46.3 million. That’s the number of passengers that make their way to and from the Phoenix Sky Harbor International Airport each year. It’s one of the top 10 busiest airports in the U.S.

21. You might not think of Phoenix right away when you think of film locations, but film crews visit often to create their motion pictures. Films shot in Phoenix include Transformers: “The Last Knight,” “Psycho,” “Jerry Maguire,” “Raising Arizona,” “Little Miss Sunshine,” “Moneyball” and “The Karate Kid” just to name a few.

22. Locals love a low-key day in nature every once in a while. And they get their fix by visiting the Desert Botanical Gardens. Besides all the amazing plants, another perk of visiting these gardens is that at least twice a month, admission is free.

23. If you want to eat where the locals eat, you’ll love this Phoenix secret! Dick’s Hideaway is well-known to locals but not necessarily to tourists. The restaurant doesn’t have a sign and sits inconspicuously next to a hardware store. And yet, it’s an upscale restaurant that serves American classics, as well as local cuisine, for breakfast, lunch and dinner.

24. There’s a real castle here! In the 1930s, a father built the structure as a gift for his daughter. It’s now known as the Mystery Castle. This architectural masterpiece has stone hallways, a cantina, a dungeon in the substructure and a private chapel.

25. Another restaurant known to locals is a cash-only, dive bar called the Silver Pony. You can enjoy a cold, adult beverage and live music while you play some pool. Oh, and there’s a hitching post out front for your horse (that you rode in on, of course!). Yeehaw!

26. Interesting Phoenix fact: The city purchased Sky Harbor in 1935 for $100,000. Considering the fact that the airport handles over 1,000 tons of cargo and 1,200 aircraft each day — and over 46 million passengers per year — we think they made a pretty good investment.

27. Unless you live in Phoenix or have visited the city, you won’t know about an awe-inspiring kinetic sculptural masterpiece called “Her Name is Patience” that towers over downtown Phoenix. The structure is around 100 feet tall and has flowing lights that make the piece appear to come to life each evening. People are in awe of the structure no matter how many times they’ve seen it.

28. If you’re a car lover, you’ll love the Martin Auto Museum, dedicated to the preservation of automobiles for future generations.

29. Fashion lovers will feel right at home in the Biltmore Fashion Center, which is home to some of the most well-known, upscale shops in the state. It’s great for window shopping but if you have the cash, you can have some serious fun. Think Julia Roberts in “Pretty Woman” kind of fun.

30. Victorian history might not be the first thing that springs to mind when you think of Phoenix, but there’s a rich history dating back to the late 18th century. Heritage Park is home to restaurants, museums and some of the most beautiful Victorian architecture you’ll ever see.

Want to learn some more fascinating Phoenix secrets?

The best way to get to know a city is to spend some time there. Whether you just want to visit Phoenix or are considering a move there, make sure to get to know some of the locals. They can give you a unique perspective that guidebooks can’t always provide.

And in addition to giving you the low-down on some super fascinating Phoenix secrets, they can also tell you where to find the best apartments in Phoenix.

Source: rent.com

Posted in: Growing Wealth Tagged: 2, About, Activities, advice, affordable, air, Air Conditioning, airports, All, Amenities, apartments, apartments for rent, appreciation, Architecture, Arizona, ARMs, art, art center, at home, Auto, Automobiles, average, bar, BAT, Beauty, before, best, big, Blog, breakfast, Budget, buildings, Built, cabins, cactus, car, cash, castle, Cities, city, cold weather, company, cost, country, cut, dating, experience, Fashion, Financial Wize, FinancialWize, first, flood, Free, front, fun, future, gift, Giving, golf courses, good, great, Grow, guide, history, home, homes, horse, Hospitality, hot, hotels, hours, in, international, investment, labor, Learn, Life, lights, Live, Local, low, LOWER, Make, making, manufacturing, market, moneyball, More, Move, movies, Moving, museum, Music, natural, NBA, NFL, NHL, oh, or, Other, painting, park, patience, peace, Phoenix, place, plants, play, pool, preservation, pretty, products, property, quiet, Rates, relocate, Rent, rental, Resort Properties, restaurant, restaurants, rich, right, savings, secrets, shopping, single, sleep, snow, space, Sports, springs, structure, the sonoran, time, tips, Tips & Advice, top 10, tour, town, under, unique, victorian, visitors, war, weather, will, woman, work

Apache is functioning normally

October 24, 2023 by Brett Tams
Apache is functioning normally

Nestled within the larger Dallas-Fort Worth metropolitan area, Plano has evolved into one of Texas’ most appealing cities.

The question, “Is Plano Texas a good place to live?” has become prevalent among many seeking to relocate within Texas. Through an exploration of its residential, educational and recreational facets, this comprehensive study seeks to provide insights into living in Plano, Texas.

Cost of living

One of the vital concerns of anyone looking to relocate is the cost of living. In Plano, the cost of living index sits slightly above the national average. Housing, being a significant factor, sees median home prices and average monthly rents higher than in other cities within Texas. However, when compared to downtown Dallas or Fort Worth, Plano offers a more affordable residential experience. Moreover, the absence of state income tax in Texas lightens the financial load for Plano residents.

Education

Plano prides itself on its robust educational framework, with the Plano Independent School District leading the charge. Offering numerous highly-rated public schools, including the notable Plano Senior High School, the city ensures a quality education for its youth. Moreover, the proximity to various colleges and universities within the Dallas area enriches the educational landscape further.

Employment opportunities

The city serves as a corporate hub, hosting headquarters of renowned companies like JP Morgan Chase and Frito Lay. This influx of corporate entities has bolstered job opportunities in Plano, particularly for young professionals. The median household income in Plano is noticeably higher than the national average, making it an economically attractive destination.

Safety

Ranked among the safest cities in America, Plano boasts a low violent crime rate. The sense of a safe community enhances the appeal of living in Plano, Texas, especially for families.

Recreational amenities

Recreational options abound in Plano. From the historical charm of Downtown Plano to the upscale shopping and dining experiences in Legacy West and West Plano, there’s something for everyone. Nature enthusiasts often find solace in outdoor spaces like the Arbor Hills Nature Preserve. Moreover, the plethora of parks, golf courses and hiking trails offer respite from city life.

Accessibility

The well-structured Dallas Area Rapid Transit (DART) system extends to Plano, facilitating easy commutes to Dallas and other parts of the Dallas Metroplex area. Additionally, the proximity to major highways and the Dallas/Fort Worth International Airport enhances Plano’s accessibility.

Weather

Residing in Tornado Alley, Plano does experience extreme weather conditions, including tornadoes and heavy rain. The city experiences a warm climate with an average high temperature that is often on the higher side. However, the generally mild winters could be appealing to those from colder climates.

Neighborhoods

Plano is home to several affluent areas with great neighborhoods offering a mix of new construction and well-maintained older homes. Whether it’s the historic charm of Downtown Plano or the upscale allure of West Plano, finding your dream home in one of the best neighborhoods is achievable.

Social life

For those who revel in social activities, Plano has much to offer. From live music events to a thriving date night scene with great restaurants, the city provides an engaging social life. The myriad coffee shops and eateries offer spots for social interactions and the enjoyment of great food.

Community

The city has a higher population density compared to other Texan cities, yet Plano residents enjoy a tight-knit community feel. Various cultural events and community programs are commonplace, promoting inclusivity and a sense of belonging among the residents.

Comparatively cheaper living

When the cost of living in Plano is pitted against Dallas, Plano emerges as a more cost-effective option. Despite its affluent aura, the cost of living in Plano, particularly housing and property tax, tends to be lower than in Dallas, thus making it a more economical choice for those looking to live comfortably.

Conclusion: Living in Plano

Taking into account the excellent school system, robust job market, and the safe, friendly neighborhoods, Plano Texas proves to be a promising land for families, young professionals, and retirees alike.

The blend of urban sophistication, cultural richness and recreational variety makes living in Plano an enriching experience. With its continual growth over the past few years, Plano is not only a substantial economic contributor within Texas but also a warm, welcoming home to its residents.

Ready to plant roots in your Plano paradise? Take a look at our available apartments for rent.

Source: rent.com

Posted in: Growing Wealth Tagged: accessibility, Activities, advice, affordable, All, Amenities, apartments, apartments for rent, average, best, Best Cities, Blend, Blog, chase, choice, Cities, city, city life, climate, coffee, community, commutes, companies, concerns, conditions, construction, cost, Cost of Living, crime, dallas, date night, dining, dream, dream home, education, Employment, events, experience, financial, Financial Wize, FinancialWize, first, food, Fort Worth, friendly, golf courses, good, great, growth, guide, historic, historical, home, home prices, homes, household, household income, Housing, in, Income, income tax, index, Insights, international, job, job market, JP Morgan, Land, legacy, Life, Live, Living, low, LOWER, making, market, median, median household income, More, Music, neighborhoods, new, new construction, offer, offers, older homes, or, Other, outdoor, place, Prices, Professionals, programs, property, property tax, public schools, quality, rate, ready, relocate, Rent, Residential, restaurants, retirees, right, safe, safety, School, school district, schools, shopping, Side, social, state income tax, tax, texas, tips, Tips & Advice, weather, young

Apache is functioning normally

October 13, 2023 by Brett Tams
Apache is functioning normally

Nestled in the heart of Utah Valley, Provo has increasingly been a topic of discussion for those looking to relocate.

Known for its close proximity to natural wonders like Provo Canyon and Utah Lake, it’s a location that offers both city life and natural retreat. However, with such growing attention, the question arises: Is Provo, Utah, a good place to live?

Geographic overview

Provo, located in Utah County, sits about 45 miles south of Salt Lake City. As part of the larger Provo-Orem metro area, it’s surrounded by breathtaking views, notably the majestic Wasatch Front mountains. The city enjoys a beautiful position by the Provo River, leading many to the popular Provo River Parkway Trail for outdoor activities.

Educational excellence: BYU and beyond

Central to Provo’s identity is Brigham Young University (BYU). As one of the top institutions in the country, BYU has significantly influenced Provo’s status as a college town. The presence of BYU means Provo is bursting with educational opportunities, from lectures at the BYU Museum and Bean Life Science Museum to events at the BYU campus itself.

Quality of life in Provo

Economic, cultural and safety factors drive movers to Provo in droves.

Economic stability

Provo’s unemployment rate is below the national average. The presence of institutions like BYU and the Provo City Center Temple ensures steady employment in the education and service sectors. Additionally, with a tech boom happening in the broader Salt Lake Valley, many are finding new job opportunities within a commutable distance from Provo.

Cultural richness

Provo is home to a rich blend of cultures. While there is a significant presence of members of The Church of Jesus Christ of Latter-day Saints, Provo is diverse in thought and lifestyle. The city houses several art galleries, theaters, and the iconic Provo City Center Temple, a testament to its rich history and cultural significance.

Safety

One of the notable features of living in Provo is its low crime rates. Both violent crimes and property crimes are below the national average, making Provo a safe environment for young families and college students alike.

Cost of living: breaking down the numbers

Is Provo Utah expensive to live in? Compared to other cities along the Wasatch Front, Provo’s cost of living is slightly below average. However, with the city’s growth, housing costs have been on the rise.

Housing market insights

The median home price in Provo has seen an upward trend over the past few years, though it remains competitive compared to Salt Lake City. Average rent for apartments is also reasonable, particularly given the high student population from BYU and Provo College. However, the demand for affordable homes has been steadily increasing.

Everyday expenses

When comparing Provo’s cost for groceries, transportation, and healthcare to the national average, residents find it reasonable and often below average. However, as with any city, certain luxuries or non-essentials can drive up living costs.

The heart of Provo: its people

With a population density of around 2,500 people per square mile, Provo is lively without feeling overcrowded. The median age skews younger, thanks in part to the influx of college students. Provo residents are generally known for their hospitality, community spirit and active lifestyles, taking advantage of nearby attractions like Provo Beach and Rock Canyon.

Before you pack: Moving to Provo insights

What do I need to know before moving to Provo Utah? Here are some considerations:

Outdoor Activities: With Provo River, Provo Canyon, and myriad trails, there’s always something to do outdoors. Whether you’re into hiking, fishing, or just picnicking, Provo has you covered.

Community Feel: Provo, often dubbed “Happy Valley”, has a tight-knit community. Neighbors often become lifelong friends, and community events are frequent.

Religious Considerations: As mentioned, Provo has a substantial Mormon population. While this brings a unique cultural flavor, it’s essential to be respectful and understanding of religious practices and holidays.

Public Transportation: The bus system in Provo is reliable, but having a car might be convenient for broader exploration and commuting.

Final verdict

Living in Provo offers a harmonious blend of city life and nature, academia and culture, community and individuality. With its reasonable cost of living, low crime rates and opportunities for both personal and professional growth, Provo stands out as one of the best cities in North Central Utah. Whether you’re a student at Brigham Young University, a young family looking to settle or anyone in between, Provo provides a backdrop for memories, experiences and growth.

In the balance of life’s considerations, the essence of Provo UT seems to be this: it’s more than just a city — it’s a community, an experience, and, for many, it’s home.

So, to the question, “Is Provo Utah a good place to live?” the answer resounds as a confident “Yes!” Search our Provo apartments for rent.

Source: rent.com

Posted in: Growing Wealth Tagged: 2, About, active, Activities, advice, affordable, affordable homes, age, All, apartments, apartments for rent, art, average, balance, beach, before, best, Best Cities, Blend, Blog, car, church, Cities, city, city life, College, college students, community, commuting, cost, Cost of Living, costs, country, crime, education, Employment, environment, Essentials, events, excellence, expenses, expensive, experience, Family, Features, Financial Wize, FinancialWize, first, fishing, front, good, groceries, growth, guide, healthcare, history, Holidays, home, Home Price, homes, Hospitality, Housing, housing costs, Housing market, in, Insights, job, lake, Life, Lifestyle, Live, Living, low, making, market, Market Insights, median, median home price, memories, metro area, miles, More, mountains, Movers, Moving, museum, natural, neighbors, new, new job, offers, or, Other, outdoor, outdoors, Personal, place, Popular, price, property, Provo UT, quality, rate, Rates, relocate, Rent, rich, right, rise, river, safe, safety, Salt Lake City, science, search, South, spirit, square, student, students, Tech, the balance, tips, Tips & Advice, town, Transportation, trend, Unemployment, unemployment rate, unique, ut, Utah, views, young

Apache is functioning normally

October 4, 2023 by Brett Tams
Apache is functioning normally

Searching for a new apartment often takes a lot of time and research; in fact, it can be disheartening if you have a hard time finding an apartment you love. And that’s why winter is the best time to rent an apartment. You might be surprised at how easy it is to discover your next apartment, one that you can’t wait to turn into a home.

1. There often is lower demand in the winter

It’s no secret people love to move in the summer. The weather usually is great, the kids are out of school for families looking to relocate and there often is less demand on our time for other activities. In fact, 40 percent of all moves occur in the summer, with just 5% taking place in November and December. As a result, apartment shoppers can find some great apartments for rent, particularly new apartments that may be completed during the season.

2. You could find more options for apartment size, style

In tandem with lower demand, renters may find there is a wider variety of apartment sizes and styles available during the winter than in other seasons. Because demand is lower, it might be easier to find that two-bedroom apartment you wanted instead of having to settle for a one-bedroom unit. This also applies to those new apartments that are completed during the winter. That means you could land a great apartment with new appliances, updated finishes and special spaces such as a sunroom or screened porch.

3. There could be more availability with movers

Because people don’t move as often during the winter, you may be able to book your movers on your timetable instead of having to wait for one to become available. This is important so you can schedule the movers around your commitments and work schedule and don’t have to use valuable personal or vacation days for moving instead. Also, during this slower season, movers may not be as rushed, so might be less likely to damage your items.

4. You could have more time off to move

No one wants to spend their personal or vacation days moving instead of on a much-needed vacation. When moving in the winter, particularly around the holidays, you likely could have extra days off that won’t interfere with your PTO or vacation days. Although no one wants to spend their holidays moving, it could prove beneficial if you don’t have to take off extra time at work.

5. You could snag an apartment when a fall graduate vacates

Looking for an apartment near a college campus could be especially challenging because many, if not most, apartments are already booked from September through May. However, if you are moving to a college town during the winter, particularly in December or January, you could score an apartment when a fall graduate prepares to move out. After all, no landlord wants an apartment to sit empty until the new students arrive in August or September.

6. You could save money

While you may not be looking for a less expensive apartment, you could still score one during the winter. No landlord wants a vacant apartment, so it’s not uncommon for them to run rent specials during the winter when demand is low. This could range from waiving the security deposit to offering a free month of rent to reducing rent for the entire term of the rental agreement.

7. It’s a good time to negotiate preferred rental terms

Because landlords want to rent empty apartments during the winter, the tenant is in a good position to negotiate the rental agreement terms. This could include asking for a shorter- or longer-term lease, waiving fees such as those for pets or upgrading the appliances in the unit. If there’s something you want, now is the time to ask. The worst that could happen is the landlord says no.

Yes, winter is the best time to rent an apartment

As you can see, renting an apartment during the winter could provide many benefits, so don’t hesitate to start looking for a new apartment when the weather turns cold. You could end up scoring a hot deal on your next home.

Alicia Underlee Nelson is a freelance writer and photographer. Her work has appeared in Thomson Reuters, Food Network, USA Today, Delta Sky Magazine, AAA Living, Midwest Living, Beer Advocate, trivago Magazine, Matador Network, craftbeer.com and numerous other publications. She’s the author of North Dakota Beer: A Heady History, co-host of the Travel Tomorrow podcast and leads travel and creativity workshops across the Midwest.

Source: rent.com

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