Uncommon Knowledge
Newsweek is committed to challenging conventional wisdom and finding connections in the search for common ground.
With its beautiful parks, aerospace history, arts scene, and renowned sports teams, Houston, TX, is a fantastic city to call home. From attractions like the Houston Zoo and the NASA Johnson Space Center to the Bayou Music Center and the Houston Arboretum & Nature Center, Houston has plenty of neighborhoods near these popular attractions.
If you’re looking to rent an apartment in Houston, you’ll find that the average rent for a one-bedroom apartment is $1,256. Whether you’re in search of a luxurious apartment or simply curious about Houston’s most expensive neighborhoods, ApartmentGuide has got you covered. We’ve gathered the 11 most expensive neighborhoods in Houston to consider renting in this year.
From the lively Medical Center to the historic Astrodome, there are plenty of amazing Houston neighborhoods to explore. With its proximity to famous attractions and luxury high-rise options, one of these expensive neighborhoods may be the right place for you.
1. Medical Center
2. Astrodome
3. Midtown
4. South Central Houston
5. Greenway – Upper Kirby
6. Inner Loop
7. Uptown-Galleria
8. Washington Avenue – Memorial Park
9. Great Uptown
10. Greater Heights
11. Montrose
Read on to see what each neighborhood has to offer its residents.
Average 1-bedroom rent: $1,999
Apartments for rent in Medical Center
The Medical Center neighborhood is the most expensive neighborhood in Houston, as the average rent for a one-bedroom unit is $1,999. There are plenty of reasons why this neighborhood draws residents. Medical Center is near attractions like the Houston Zoo, Herman Park, and the Houston Museum of Natural Science, making it a prime location to explore the city. The area also has views of the cityscape, making apartment views stunning. For renters living in Houston without a car, the bus and light rail stops in the Medical Center area.
Average 1-bedroom rent: $1,676
Apartments for rent in Astrodome
Astrodome is a bustling area that’s south of Medical Center. This beautiful neighborhood is home to lots of attractions like NRG Stadium and the Houston Astrodome. Astrodome is well-known for its nearby green spaces like Hermann Park and the charming shops and cafes along Main Street. The average rent for one-bedroom apartments is $1,676, which is about $400 above the city’s average, making it a pricier neighborhood. However, Astrodome’s busy atmosphere and amenities may be worth it.
Average 1-bedroom rent: $1,675
Apartments for rent in Midtown
With an average one-bedroom rent of $1,675, Midtown is the third most expensive neighborhood in Houston. This neighborhood has plenty of historic homes in styles like Victorian and Craftsman, as well as modern high-rise buildings. Midtown is also near highways like I-45 and I-69, making it a convenient location for commuters. There are plenty of activities in Midtown, such as the Warehouse Live, MATCH, and the Buffalo Soldiers National Museum. If you’re looking for a relaxing afternoon, Baldwin Park and Midtown Park are in the area.
Average 1-bedroom rent: $1,636
Apartments for rent in South Central Houston
South Central Houston is the next most expensive neighborhood in Houston. This neighborhood is known for its central location near the Houston Museum District and the Medical Center. Home to some of Houston’s most popular neighborhoods, it’s no wonder it’s more expensive to live in South Central Houston. The South Central Houston neighborhood has a lot of shops and restaurants, like Coral Sword and Mandola’s Deli, reflecting Houston’s vibe. There’s always something new to check out in this neighborhood.
Average 1-bedroom rent: $1,594
Apartments for rent in Greenway – Upper Kirby
Just about 5 miles from downtown, Greenway – Upper Kirby is a stellar neighborhood if you want to live close to downtown. While more expensive, the perks of living in Greenway – Upper Kirby may help offset the costs. For example, you can also walk to attractions like the Color Factory, the Menil Collection, and Plaza in the Park. You can also live in this neighborhood without a car, as about seven bus lines go through Greenway – Upper Kirby.
Average 1-bedroom rent: $1,495
Apartments for rent in Inner Loop
Next up is Inner Loop, the sixth most expensive neighborhood in Houston. Inner Loop is full of history and charm with tree-lined streets, historic buildings, and museums. This area also has plenty of parks, restaurants, and attractions, so you’ll have lots to explore. Make sure to enjoy the outdoors at Memorial Park which has walking trails, the Houston Arboretum & Nature Center, and the Bayou Bend Collection and Gardens, Museum of Fine Arts, Houston. It’s no wonder the rents are above Houston’s average. However, you can also find some of the most affordable neighborhoods in Houston nearby.
Average 1-bedroom rent: $1,410
Apartments for rent in Uptown-Galleria
Located west of downtown, Uptown-Galleria is a well-known neighborhood, with its local cafes and restaurants along Westheimer Road, such as The Warwick and the House of Pies. You can also explore The Galleria, a famous Houston shopping center with department stores, museums, and restaurants. Since Uptown-Galleria is located near the Williams Tower and the Water Wall, its upscale lifestyle is one of the many reasons people live here.
Average 1-bedroom rent: $1,395
Apartments for rent in Washington Avenue – Memorial Park
Washington Avenue – Memorial Park takes the eighth spot on our list of most expensive neighborhoods in Houston. The average rent for a one-bedroom unit is roughly $150 more than the city’s average. Washington Avenue – Memorial Park is a great option to consider if you’re looking to be near Memorial Park, which has walking trails, biking trails, and a golf course. It’s about 5 miles from downtown, which means you’ll have easy access to the city center without living in the bustling atmosphere. You can find a lot of unique activities in the area, like the popular Washington Avenue with restaurants and shops, the Art Car Museum, Buffalo Bayou Park, and the Bayou Bend Collection and Gardens.
Average 1-bedroom rent: $1,375
Apartments for rent in Great Uptown
A well-loved Houston neighborhood, Great Uptown is the next area. Great Uptown the larger area that includes The Galleria, the Houston Country Club, and Wiess Park, meaning there’s plenty to do throughout the week. You’ll find there are countless historic buildings in Great Uptown, so make sure to explore the area’s charm. If you need to commute to work, there are many options as the Westpark Tollway is nearby.
Average 1-bedroom rent: $1,367
Apartments for rent in Greater Heights
The tenth most expensive neighborhood in Houston is Greater Heights. Also known as The Heights, this area has a vibrant feeling with its venues, popular restaurants, and quirky shops, like The Heights Theatre, Torchy’s Tacos, and Vinyl Edge Records. You can find lots of early 20th-century homes in pastel colors throughout the area, making it a great place to explore. Greater Heights also hosts the White Linen Night event each year, providing residents with lots of opportunities to enjoy their neighborhood.
Average 1-bedroom rent: $1,350
Apartments for rent in Montrose
Taking the 11th and final spot on our list of most expensive neighborhoods in Houston is Montrose. The average rent for a one-bedroom apartment is $1,350, compared to the city’s average of $1,256. This neighborhood is about 3 miles from downtown, meaning it’s closer to some of the other popular neighborhoods like Midtown and Astrodome. Montrose’s expensive rent may be offset by its famous attractions like the Menil Collection, the Rothko Chapel, and Westheimer Road, which has countless bars, restaurants, and local shops to explore. The convenience of these activities might be worth it to move to the neighborhood.
Methodology: Whether a neighborhood has an average 1-bedroom rent price over the city’s average. Average rental data from Rent.com in March 2024.
The recent rise of the average long-term U.S. mortgage rate, which poses a new obstacle to aspiring homeowners hoping to purchase a property during this homebuying season, could have dramatic consequences on the country’s housing market.
The national weekly average for 30-year mortgages, the most popular in the nation, was 6.88 percent as of April 11, according to data from the Federal Home Loan Mortgage Corp., better known as Freddie Mac. That was 0.06 of a percentage point higher than a week before and up 0.61 compared to a year before. The national average for 15-year mortgages was 6.16 percent, up 0.1 of a percentage point compared to the previous week and 0.62 compared to a year before.
Read more: How to Get a Mortgage
On Monday, experts monitoring mortgage rates on a daily basis noted that the national average for 30-year fixed mortgages reached 7.44 percent—the highest they’ve been so far this year and close to the 23-year weekly record of 7.79 percent reached on October 25, 2023. On Monday, the 15-year mortgage rate was 6.85 percent. At its peak on October 25, 2023, it had reached 7.03 percent.
“Big one-day jump,” commented journalist Lance Lambert on X, formerly known as Twitter. “The average 30-year fixed mortgage rate ticks up to 7.44 percent. New high for 2024.”
The rise in mortgage rates comes as homebuying season, a time when the number of homes listed for sale increases, is heating up. This climb in inventory starts in spring and normally peaks in summer before declining as the weather gets colder, marking one of the busiest times of the year for home sales. But higher mortgage rates could have an early chilling effect on the market.
Read more: Compare Top Mortgage Lenders
The median monthly U.S. housing payment hit an all-time high of $2,747 during the four weeks ending April 7, up 11 percent from a year earlier, according to a report from real estate brokerage Redfin last week. It noted that the average 30-year fixed mortgage rate, then at 6.82 percent, was more than double pandemic-era lows.
There’s not much hope that mortgage rates will come down soon, as the U.S. Labor Department said last week that inflation has risen faster than expected last month, at 3.5 percent over the 12 months to March. That was up from 3.2 percent in February.
“For homebuyers, the latest CPI [consumer price index] report means mortgage rates will stay higher for longer because it makes the Fed unlikely to cut interest rates in the next few months,” said Redfin Economic Research Lead Chen Zhao. “Housing costs are likely to continue going up for the near future, but persistently high mortgage rates and rising supply could cool home-price growth by the end of the year, taking some pressure off costs.”
Jamie Dimon, CEO of JPMorgan Chase, voiced concern last week over “persistent inflationary pressures” and said the bank was prepared for “a very broad range of interest rates, from 2 percent to 8 percent or even more, with equally wide-ranging economic outcomes.”
While the jump in mortgage rates appears modest, it makes a huge difference for borrowers, who might end up paying hundreds of dollars a month more on top of what’s already one of the most significant expenses in their lives.
Many might decide that they can’t afford to buy a home—which is what happened when mortgage rates suddenly skyrocketed between late 2022 and early 2023 as a result of the Federal Reserve’s aggressive interest rate-hiking campaign.
Between late summer 2022 and spring 2023, a drop in demand caused by the unaffordability of buying a home led to a modest price correction of the housing market. But prices have since climbed back due to the combination of pent-up demand and historic low inventory.
While the Federal Reserve doesn’t directly set mortgage rates, these are hugely influenced by the central bank’s decision to hike or cut interest rates. The Fed left rates unchanged in March and is considered unlikely to cut them this month considering the latest data on inflation.
Newsweek is committed to challenging conventional wisdom and finding connections in the search for common ground.
Newsweek is committed to challenging conventional wisdom and finding connections in the search for common ground.
Source: newsweek.com
Want to learn how to make $5,000 fast? Whether you’re in a rush to meet a financial goal this week or aiming for a steady income of $5,000 per month, there are several ways to make it happen. You’ll find different options, from short-term jobs that pay a lot at once to long-term ideas that…
Want to learn how to make $5,000 fast?
Whether you’re in a rush to meet a financial goal this week or aiming for a steady income of $5,000 per month, there are several ways to make it happen.
You’ll find different options, from short-term jobs that pay a lot at once to long-term ideas that bring in money regularly. And, sometimes, combining a few methods can help you reach $5,000 faster.
If you’re looking to make $5,000 fast, you’re not alone. Many people need a big amount of money quickly – for unexpected costs, important purchases, just to save up, or simply to make a stable amount of money regularly.
Below is how you can make $5,000 fast.
If you want to learn how to make $5,000 without a job, then one way may be to flip items for resale.
Flipping items for resale means you buy things at a low price and sell them for more. This could be handmade goods, vintage items (like old games, cameras, clothing, etc.), furniture, sports equipment, appliances, and more.
Look for undervalued items at flea markets, garage sales, yard sales, and thrift stores, and then sell them for a profit. This job involves having an eye to spot valuable items that you think can be resold at a higher price.
You can resell items on eBay, Craigslist, Facebook Marketplace, and more.
I have flipped many, many items for resale over the years, and I think it’s a great way to work from home and make money on your own schedule.
Recommended reading: How Melissa Made $40,000 In One Year Flipping Items
Making $5,000 a month from home is possible by becoming a freelancer.
Freelancers are people who run their own businesses and provide services to other businesses or clients on a contract basis. As a freelancer, you might be hired for onetime projects by businesses or you could secure long-term contract work with a company.
Online freelancing jobs include:
And more.
You can find freelance gigs through networking, reaching out to possible clients through email or phone, creating a freelance listing on Fiverr, searching for gigs on Upwork, and more.
I have personally been a freelancer for years (mainly freelance writing, and, in the past, I have also done freelance social media management), and it’s a great way to earn income while still being your own boss with a flexible schedule.
Recommended reading: 16 Best Freelance Jobs & How To Get Started
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
Rover is a website that connects pet owners with pet sitters and dog walkers. You can work this job on weekends all year round or choose to be available only during the summer months – it’s flexible and up to you.
Getting started on Rover is simple. You create a profile highlighting your experience with pets and the services you offer, such as dog walking, pet sitting, and house sitting.
After setting up your profile, customers will send you requests, and you can discuss pricing with them. Rover handles payment processing, and you’ll receive payments directly into your account.
I have two close family members who are professional dog walkers, and they both love this side hustle.
Recommended reading: 7 Best Dog Walking Apps To Make Extra Money
If you have a spare room in your home that you’re not using, you may want to try renting it out either on a short-term basis through Airbnb or Vrbo or by finding a long-term roommate to make extra cash.
I’ve rented out rooms multiple times before to roommates, and it’s a great way to earn extra income from unused space.
Recommended reading: What You Need To Know About Renting A Room In Your House
If you’re looking to make $5,000, finding a food delivery driving gig is a good option.
With companies like DoorDash, Uber Eats, and Instacart, you can start earning money by bringing people their favorite food. It’s flexible too, so you decide when you work and for how long.
Delivery services like Instacart hire personal grocery shoppers, and the average shopper earns $15 to $20 per hour delivering groceries. Drivers are paid per order, and you keep 100% of your tips. You can also pick your own schedule, which means teachers can work in the evenings or weekends, or only during the summer if they prefer.
If you’re looking to make a quick $5,000, selling high-value items can be a smart move. Take a look around your home; you might have things you don’t need that others are willing to buy for a good price.
You could sell an old cell phone, laptop, camera, designer clothes, your car, and more.
There are many different buyers for high-value items – from people like you and me on Facebook, to pawn shops, eBay, and more.
Tutors who specialize in subjects such as math, language, science, graphic design, and more help students improve in those areas.
And, some tutors can make money rather quickly, such as one who specializes in college courses or high-level exams.
Becoming an online tutor depends on the subject you want to teach. Experience in the field is usually required, but there are opportunities for beginners as well. Tutors who teach advanced subjects like calculus or college entrance exams generally earn more than those teaching simpler topics.
Tutoring rates can range from $15 to over $100 per hour, depending on the subject and where you sell your tutoring services.
Stock image websites are popular platforms where photographers can sell their pictures. Customers can buy royalty-free photos for personal or business use, and these images are commonly used in websites, TV shows, books, social media, and more.
One advantage of using stock photo sites is that they can generate passive income. You can take pictures, upload them, and potentially earn money from them for months or even years. You’ll earn a commission every time someone downloads your photos.
Some well-known stock photo websites include Shutterstock, iStock by Getty Images, Adobe Stock, and Dreamstime.
In the world of stock photography, quality is important, but quantity matters too. The more pictures you have in your stock photo portfolio, the more potential you have to earn money.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
Creating and selling an online course can be a great way to make money quickly, especially if you have knowledge or skills in a high-demand area.
If you have expertise in a certain subject, you can create and sell an online course. Platforms like Teachable and Udemy allow you to develop, host, and sell your course to students. While you may not earn $1,000 immediately, having students enroll over time can generate a substantial income.
I have an online course that I personally sell, Making Sense of Affiliate Marketing. I have also taken many online courses, such as on helping my toddler get better sleep, speech therapy for parents, business courses, blogging courses, and so much more.
There are many different subjects you can teach in an online course, including:
Just like Airbnb transformed the way you can earn money from your spare room, peer-to-peer storage platforms are doing the same for your unused spaces.
If you have extra space at home, consider renting it out to local people for storage. This could be a garage, driveway, closet, basement, or attic.
While making $1,000 in a single day from this may be challenging, renting out your space can provide a steady, long-term income when combined with other income sources.
You can use a website like Neighbor to list your available space for rent, potentially earning up to $15,000 per year.
If you need to learn how to make $5,000 dollars in a day, then one option is to sell any expensive jewelry that you may have.
If you’ve got jewelry you no longer wear, selling it can be a quick way to earn some cash. You might have pieces like engagement rings, necklaces, or bracelets tucked away.
Recommended reading: Where To Sell Jewelry: 12 Best Places For Extra Money
Flipping real estate means buying homes that need fixing, making improvements, and selling them for a profit. This can be a way to make $5,000 (and well over that if you are smart and careful!).
To do this type of real estate investment successfully, you may start by focusing on making cost-effective improvements, especially in areas like the kitchen and bathrooms, and address any major structural or safety issues.
Recommended reading: 23 Best Real Estate Side Hustles To Make Extra Money
If you’re looking to make $5,000 online, selling printables is an option.
Printables are digital files that customers can download and print at home, such as grocery shopping checklists, monthly budget planners, wedding invitations, wall art, and more.
I buy printables all the time, and actively search them out at least a few times a month. And, I’m not alone – many people buy printables frequently as well!
I recommend signing up for the Free Workshop: How To Earn Money Selling Printables. This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
Managing Facebook ads for local businesses is an online job where you can earn at least $1,000 per month per client.
Local businesses want to expand their audience through Facebook ads, but many don’t have the expertise to do it effectively. That’s where you come in. By learning this skill, you can sell your services to small businesses and help them reach more customers online.
Plus, this can be a part-time job that you do in your spare time or even a full-time job.
Creating your own ebook can be a way to earn money online, and you likely have knowledge to share (even if you don’t realize it!) or a good story to write about.
Platforms like Amazon KDP (Kindle Direct Publishing) allow you to reach a wide audience without a traditional publisher.
Examples of genres you can write in include romance, travel, self-help, sci-fi, and more.
If you want to learn how to make $5,000 from home, then one of my favorite ways is to start a blog.
Now, starting a blog doesn’t instantly make you $5,000 because it takes time to set it up. However, with time and effort, some bloggers can make $5,000 a month in the future.
A blog is a website filled with articles, similar to what you’re reading now. You can start a blog on various topics like personal finance, recipes, travel, pet care, family life, and more.
You can earn money from a blog by partnering with companies for sponsorships, displaying ads, engaging in affiliate marketing (like promoting products on Amazon), and selling items such as ebooks, candles, T-shirts, and other products directly through your blog.
Blogging is my primary source of income, and I make well over $5,000 a month online. It took about six months to earn my first $100 from my blog, so getting started requires some patience. It then took me about a year to reach a monthly income of around $5,000 from blogging.
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
Affiliate marketing is a way to earn money by promoting products or services online, and it’s one of my favorite ways to make $5,000 (or more) fast online.
Affiliate marketing is when someone buys a product through a referral link you share, and you earn a commission.
To start, you will want to find products you genuinely like and believe others will benefit from. Then, sign up for their affiliate program, which will provide you with a unique affiliate link. This link tracks the clicks and purchases made from your recommendation.
Recommended reading: Affiliate Marketing Tips For Bloggers – Free eBook
Starting your own Amazon FBA (Fulfillment by Amazon) business can be a great way to make $5,000 fast.
You can sell items from household goods to clothes, games, electronics, and more.
Selling on Amazon FBA works by you sending the items you want to sell to an Amazon fulfillment warehouse. Amazon stores these items for you until they sell on their platform.
When an item sells, Amazon handles the shipping and sends it directly to the customer. This means you don’t have to worry about packing and shipping the sold items yourself.
Recommended reading: How To Sell Items On Amazon FBA
Creating content for your own YouTube channel can be a fun way to work toward making $5,000 fast.
You can create a YouTube channel about topics such as finance, home improvement, travel, toys, pets, and more. There’s a YouTube channel for almost every interest these days.
Like blogging, this isn’t a guarantee that you’ll make money, and it will definitely take time to reach $5,000. But, it can be a lot of fun, and you get to be your own boss.
Buying a business that’s already bringing in money is a way to possibly skip the tough start-up phase and have a business that is making over $5,000.
Now, existing businesses are typically expensive – someone has done a lot of hard work building a business over years and years, after all. They can cost anywhere from a few thousand to millions or even billions of dollars.
You can start by looking at online marketplaces like BizBuySell or Flippa. They list all kinds of businesses for sale, and you’ll see lots of options from online sites (like retail stores and blogs) to local shops (like bike shops, clothing stores, toy stores, and laundromats).
An example – I was recently in a small local bike shop, and they told me that it was for sale. They earned around $20,000 a month (I’m not sure if that was before or after expenses or anything else), and their shop was for sale for around $500,000. You got all the bikes, parts, customers, etc. with the sale. The building wasn’t owned by them, they had monthly rent and other bills to pay. I’m not going to say if this was a good or bad deal – it’s just an example of a real business that is for sale that I recently came across.
Consulting is when you provide expert advice to individuals or businesses facing challenges. Consultants use their knowledge to understand problems, give advice, and help clients make better decisions from an outside perspective.
Consultants work in fields like management, finance, technology, or marketing. They focus on areas like strategy, process improvement, or restructuring to help clients achieve their goals effectively.
Here’s an example of how a consulting gig works: A company is struggling with managing its products and deliveries. They bring in a consultant who knows a lot about solving these issues. First, the consultant looks at how things are currently done. Then, they suggest better ways to store and ship items. The consultant helps put these ideas into action and teaches the company’s team how to use the new methods. Even after the changes, the consultant keeps an eye on things to make sure everything works well. This helps the company save money and makes sure that customers get what they need on time.
Starting a mobile car detailing business can be a way to earn money quickly. After all, you don’t need a lot to get started, and people are always wanting a good detailer to clean their car.
You’ll want to start by getting quality cleaning supplies like car shampoo, wax, and microfiber towels. You can then set fair prices based on what others charge nearby and promote your services on social media and with local businesses.
Driving for a ride-sharing service like Uber or Lyft can be a way to reach your $5,000 goal quickly.
Here’s how you can work toward earning $5,000 with Uber or Lyft:
While you won’t make $5,000 in one day, driving for a ride-sharing service can be a flexible way to earn money and work toward reaching your financial goal over time.
Below are answers to common questions about how to make $5,000 fast.
If you need to make an extra $5,000 quickly, then selling expensive items that you already own is usually the fastest thing that I recommend doing. This is because you may have expensive things in your home already – like jewelry or electronics – that you can sell and get paid for within just a few days.
Making $5,000 in a single day is hard but not impossible. It may require a combination of having high-value items to sell or landing a big client for your freelance business. It’s about making the right move at the right time with the resources you have.
There are many ways to double $5,000 dollars, but it will depend on how much time you have to double your money, as well as how much risk you want to take on. Some ways will be much more risky than others, such as by investing in stocks or real estate. Due to this, it’s important to research and consider your risk tolerance before investing your money.
Ways to make $5,000 in a month can include freelance writing, blogging, proofreading, bookkeeping, and more.
If you want to make $5,000 fast but not get a job, then the fastest thing to do is typically to sell items around your home that you already have, such as jewelry or electronics. You can also combine a bunch of different side hustles, such as freelancing, selling stuff, running a business, flipping real estate, and even small things like taking online surveys (like Survey Junkie for free gift cards).
Some ways to make $5,000 a day online may include selling courses or other digital products. Now, this will not be an easy thing to do, and it will require a lot of hard work (as well as some luck).
I hope you enjoyed this article on how to make $5,000 fast.
As you read above, there are many different ways to make $5,000. Some are faster than others (such as selling expensive items that you already own), and others may be more of a full-time career (such as freelance proofreading).
What do you want to do to make $5,000 fast?
Recommended reading:
Source: makingsenseofcents.com
Hey, I’ve just been featured on CNBC and I want to say hello to all of my new readers. You can read the CNBC article here – I made $40,000 a month from 3 income streams during a 4-month cruise around the world—here’s how If you are a new visitor – welcome to Making Sense…
Hey,
I’ve just been featured on CNBC and I want to say hello to all of my new readers.
You can read the CNBC article here – I made $40,000 a month from 3 income streams during a 4-month cruise around the world—here’s how
If you are a new visitor – welcome to Making Sense of Cents!
I have received many emails about how I was able to afford this trip. I have a free How To Start A Blog course that you can sign up for here. I also talk about this below and how I’ve been able to earn over $5,000,000 blogging over the years.
If you want to read more about my world cruise trip, I recommend reading Around-The-World Cruise With A Kid (25+ Countries In 4 Months!).
Here are some blog posts that you may find helpful and enjoy:
If you have any questions, please leave a comment below or send me an email.
Thanks for stopping by.
-Michelle Schroeder-Gardner
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In addition to reading the CNBC article linked above, I also want to talk about how I grew a blog that has earned me over $5,000,000. I know I will get a lot of questions, so I figured it’s best to lay it all out right here 🙂
What started as just a hobby turned into one of the most life-changing things I’ve ever done – that’s starting my blog, and learning how to make money with it.
Since learning how to monetize a blog over 10 years ago, I have now earned over $5,000,000 from my site. This is still hard for me to believe, and I’m the one who’s lived it!
In the beginning, all I was doing was tracking my own personal finance progress as I finished school and started paying off my student loans. Blogging was a very new concept to me at the time – I heard about it from a magazine – and people were just learning how to monetize blogs back in 2011.
Most bloggers started back then with display ads and sponsored posts, but the options have only increased.
Because of all of the new ways to make money blogging, like affiliate income and selling your own products, you can make somewhat passive income as a blogger.
Passive income is my favorite way to make money because it makes blogging even more flexible and something I can do as I work from home, travel, and work whenever I want.
Blogging has changed my life for the better, and I’m now earning thousands of dollars a month doing something I love.
Learning how to monetize a blog takes work and time, but it’s 100% possible to do. I started earning money after just six months of blogging, and I didn’t even set out to make money when I created Making Sense of Cents. Just think of the potential if you start out knowing that making money blogging is possible!
Starting my blog is one of the best things I’ve ever done for my work, personal, and financial life. And, I urge anyone who is interested to start a blog and learn how to monetize it.
Many of my readers have heard this story, but I love sharing it because I started out like many of you, except I had no idea that blogs could make money. When I started Making Sense in August of 2011, I simply wanted a way to keep track of my financial progress and meet others who had similar goals.
As I started getting to know other bloggers in the community, a blogger friend of mine connected me with an advertiser who was willing to pay me $100 for an advertisement.
I couldn’t believe someone would pay me $100 to advertise on my site!
While it wasn’t a lot of money, especially considering the amount of time and work I put towards my blog in those 6 months, it was very motivating to see that something I loved doing could actually make money.
After that first $100, I started doing a lot of research on how to monetize a blog, and my blogging income quickly grew from there.
One year after I started my blog, I was earning around $1,000 a month, and I was making around $10,000 monthly two years after I started Making Sense of Cents.
My income only continued to grow, and I am still earning a healthy income from this website today.
If you want to learn how to monetize a blog and you haven’t started your blog, then I recommend starting with my free blogging course How To Start A Blog FREE Course.
Here’s a quick outline of what you will learn in this free course:
This is delivered directly to your email inbox, and you will learn how to grow a blog from scratch.
Sure, you can start on a whim, and that’s kind of what I did, haha.
But, I do think that creating a plan is a good idea if you want to learn how to monetize a blog. This can help you get an organized start, identify your blog’s niche, decide on your blogging goals, find opportunities for blogging income, and more.
It wasn’t until 2015 that I finally created a blogging plan (that’s 4 years after I started!), and my blog income grew significantly after that.
I credit that growth to creating a plan!
Having a plan would have been a huge help in the beginning, and I wish I would have started with one. I probably missed some income opportunities because I had no real plan or direction in the first couple of years.
Since creating a blogging plan, I became more focused on goals and motivated toward improving and building Making Sense of Cents.
Here are some questions that you may want to ask yourself when creating a plan for your blog:
Thinking about, researching, and answering these questions will help guide you on your journey and help you decide what to do next.
Your blog’s content is extremely important. This will be what attracts your readers, has them coming back for more, earns you blogging income, and more.
Now, you don’t need to be an expert or need a degree to start talking about a subject, but you do need to be knowledgeable or interested in what you are talking about. And, always be truthful! This will show in your writing and actually help your readers.
To write high-quality content on your blog, here are some tips:
If you want to learn how to monetize a blog, then networking can be extremely helpful.
Networking can mean:
Some bloggers don’t do any of these things and purely see other bloggers as competition. I don’t believe this is the correct way to approach blogging because you will hold yourself back immensely!
Networking is important because it can help you enjoy blogging (friends are nice to have, right?!), teach you new ideas (such as how to make money blogging or how to grow a blog), make valuable connections, and more.
Keep in mind that networking is even how I earned my very first $100 blogging. My blogging friend connected me with an advertiser, which helped changed my blogging journey.
I have learned a lot about blogging from the blogging community, and the people I’ve connected with have been a tremendous support as I’ve grown my blog.
Starting a blog is relatively easy. But, growing and learning how to monetize a blog takes a lot of work.
You’ll have to:
Even when I was just a new blogger and had no plans of making money blogging, I was still spending well over 10 hours a week on Making Sense of Cents.
When I was working my full-time day job and earning an income from my blog, I was working around 40-50 hours a week on my blog on top of my day job!
Now that I blog full-time, my hours vary. Some months I hardly work, and there are other months that I may work 100 hours a week.
It’s not easy, and there’s always something that needs to be done.
But, I absolutely love blogging, which makes the hard work a little less tough.
There are many different ways you can monetize your blog, including:
You could choose to monetize your blog using all of these methods, or even just one. It’s just a personal decision.
For me, I like to be diversified and monetize in many ways, so I do them all.
Below, I am going to dive a little deeper into each way to make money blogging.
Affiliate marketing can be a great way to make money blogging because if there is a product or company that you enjoy, all you have to do is review the product and share a unique affiliate link where your readers can sign up or make a purchase.
In fact, this is my favorite way to monetize a blog. I enjoy it because it can be quite passive – I can create just one blog post and potentially earn an income from it years later. This is because even though a blog post may be older, I am still constantly driving traffic to it and readers are still purchasing through my affiliate links.
Affiliate marketing is a blog monetization method where you share a link to a product or company with your readers in an attempt to make an income from followers purchasing the product through your link.
Here are some quick tips so that you can make affiliate income on your blog:
You can learn more about affiliate marketing strategies in my course Making Sense of Affiliate Marketing.
Advertising on a blog is one of the first ways that bloggers learn how to monetize a blog. In fact, it’s exactly how I started!
This form of blogging income is when you directly partner with a company and advertise for them on your website or social media accounts.
You may be writing a review for them, a tutorial, talking about their product or company, taking pictures, and so on.
If you want to learn how to increase your advertising-income, I recommend taking my Making Sense of Sponsored Posts course.
Display advertising is one of the easiest ways to make money blogging, but it most likely won’t earn you the most, especially in the beginning.
I’m sure you’ve seen display ads before. They may be on the sidebar, at the top of a post, within a blog post, and so on.
The ads are automatically added when you join an advertising network, and you do not need to manually add these ads to your blog.
Your display advertising income increases or decreases almost entirely based on your page views, and once you place the advertisement, there’s no direct work to be done.
If you want to learn how to monetize a blog through display advertising, then some popular networks include Adsense, MediaVine, and AdThrive.
Personally, I use AdThrive for my display advertising network. I don’t have many display advertisements on my blog, but it is easy income.
Another popular way to monetize a blog is to create a sell your own products.
This could be an online product, something that you ship, and so on, such as:
And the list goes on and on. I have seen bloggers be very successful in selling all kinds of things on their blogs.
What’s great about selling your own product is that you are in complete control of what you are selling, and your income is virtually unlimited in many cases.
I launched my first product about 5 years after I created Making Sense of Cents, which was a blogging course called Making Sense of Affiliate Marketing. I regret not creating something sooner because this has been an excellent source of income and has helped many people along the way.
If you really want to learn how to monetize a blog, I recommend that you start an email list from the very beginning.
I waited several years to start my email list, and that was a huge mistake!
Here’s why you need an email list right away:
As a new blogger, you’ll want to find ways to attract a readership to your blog and your article.
No, you don’t need millions and millions of page views to earn a good living from blogging. In fact, I know some bloggers who receive 1,000,000 page views yet make less money than those with 100,000 monthly page views.
Every website is different, but once you learn what your audience wants, you can start to really make money blogging, regardless of how many page views you receive.
Having a successful blog is all about having a loyal audience and helping them with your content.
Even with all of that being said, if you want to learn how to monetize a blog, learning how to improve your traffic is valuable. The more loyal and engaged followers you have, the more money you may be able to make through your blog.
There are many ways to grow your readership, such as:
Now, I also want to talk about helpful resources, courses, and more that can help you to learn how to grow your page views on your blog.
Below are some of my favorite blogging resources to help you improve your traffic:
SEO (search engine optimization) is how you get organic search traffic to your blog.
When you search a phrase on Google, you’ll see a bunch of different websites as the results. This is the result of these websites applying SEO strategies to their blog.
This is a great way for readers to find your blog, and SEO is important to pay attention to as you learn how to monetize a blog!
Below are some of my favorite SEO resources:
Below, I’m going to answer some questions I’ve received about how to start a blog such as:
The amount of page views needed to make money blogging varies, and there is no magic number that you should be aiming for.
This is because it depends on so many factors, such as how you will monetize your blog, your niche, the number of email subscribers you have, the quality of your website, and more.
You may see success with 10,000 page views a month, or you may see success with over 100,000 page views a month. It simply depends on the factors above.
Beginner bloggers can make money in many different ways, such as display advertising, affiliate marketing, creating their own products, and sponsorships.
You can start any of these right from the very beginning.
Display advertising is usually the easiest way to begin monetizing a blog, but the payoff is not very high, especially in the beginning when your page views are not high.
I recommend just launching your blog as soon as you have one blog post and a design. Building a huge backlog of blog posts isn’t usually needed, and it can prevent you from ever getting started!
The more blog posts you have, then the more traffic you may get. That’s because it’s more opportunities to show up in Google searches or share your posts on social media.
I recommend publishing a new blog post at least once a week. Anything less isn’t advised.
Publishing blog posts consistently is smart because readers know to expect regular content from you.
Bloggers fail for many different reasons. These reasons may include:
And much more. Blogging is like any business – there are things to learn, things to improve on, and more.
If you have any other questions related to starting a blog, I recommend checking out What Is A Blog, How Do Blogs Make Money, & More. In this article, I answer more questions related to blogging such as:
And more.
Please leave a comment if you have any questions.
Thanks for reading!
Source: makingsenseofcents.com
Buying your first home can be tedious and overwhelming.
While it’s exciting to visit properties and daydream about your dream home, getting over the financing hurdles is another story. But don’t fret.
This comprehensive guide for first-time homebuyers will walk you through the entire process from start to finish.
As a first-time homebuyer, you may feel a mix of excitement and apprehension. While the home buying process can seem overwhelming, it’s important to recognize the numerous benefits that come with this milestone.
First-time homebuyers have access to several financial assistance programs that can make homeownership more affordable. These include down payment assistance programs, low-interest mortgage loans, and grants specifically designed for first-time buyers. Some of these programs are offered by state and local governments, while others are provided by non-profit organizations or private lenders.
Several loan programs offer lower down payment requirements for first-time homebuyers. The FHA loan, for example, requires as little as 3.5% down if your credit score is 580 or higher. The USDA and VA loans even offer zero down payment options in some cases.
There’s a lot to learn when you’re buying a home for the first time, but fortunately, there are plenty of resources available. Many organizations offer homebuyer education courses that can help you understand the process and make informed decisions. Some lenders and assistance programs require you to take one of these courses, but even if it’s not mandatory, it can still be a valuable resource.
Not only will your credit score play a considerable factor in whether you’re approved for a mortgage, but it will also determine your interest rate.
A small increase or decrease in interest rates may not seem like a big deal. However, mortgage loans are for a hefty sum and for an extended period of time. So, a slight increase or decrease equates to thousands of dollars more spent or saved over the life of the loan.
To have the best chance of being approved for a home loan, you should aim for a credit score of at least 620. It’s possible to get approved for select home loan programs with a score as low as 580, but you may have fewer lenders to choose from.
It’s tempting for first-time homebuyers to start searching for homes when they know their credit score is up to par. But that’s probably not a good move until you determine how much home you can afford. Yes, the loan officer will give you a figure when you obtain a preapproval, but that amount isn’t always indicative of what you can afford.
Why so? Well, they focus on the debt-to-income (DTI) ratio to get an idea of a loan amount you qualify for. According to the Consumer Financial Protection Bureau, lenders prefer a DTI ratio of 43% or lower with your new mortgage payment. To illustrate:
CURRENT MONTHLY DEBT | GROSS INCOME | DEBT-TO-INCOME RATIO | MAXIMUM MORTGAGE PAYMENT (USING 43% RECOMMENDATION) |
---|---|---|---|
$1,000 | $4,000 | 25% | $720 |
$2,000 | $6,000 | 33% | $580 |
$3,000 | $10,000 | 30% | $1,300 |
Note: Debt-to-Income Ratio = Aggregate Amount of Monthly Debt / Gross Income
The problem is that it fails to consider any expenses unrelated to debt. And if you have hefty insurance, childcare, or even grocery bills, that could be a major concern.
So, your best bet is to look at your current budget and come up with a realistic figure for your new mortgage payment. But don’t forget to keep the recommended DTI ratio in mind.
There are several mortgage options on the market for first-time homebuyers, but the most prevalent are:
A conventional mortgage is a type of home loan that is not insured or guaranteed by the government. It’s typically offered by a private lender, such as a bank or credit union, and is the most common type of mortgage used to purchase a home.
Conventional mortgages typically require a down payment of at least 3% of the purchase price of the home. Borrowers typically must have a credit score of 620 or higher and a DTI ratio of 36% or lower to qualify. If you have bad credit or are unable to make a large down payment may have a harder time qualifying for a conventional mortgage.
If the loan amount is over $726,200, it becomes a jumbo loan and requires a higher down payment.
An FHA loan is a type of home loan insured by the Federal Housing Administration (FHA), a government agency within the U.S. Department of Housing and Urban Development (HUD).
FHA loans are designed to make it easier for people to buy homes, especially for first-time homebuyers. They offer lower down payment requirements and more flexible credit guidelines than conventional mortgages.
The minimum credit score required for an FHA loan is 500. If your credit score is between 500 -579, the down payment is 10%. However, if you have a credit score of 580 or above, the down payment is 3.5% of the purchase price.
VA Loans are insured by the Department of Veterans Affairs. They don’t require a down payment and are easier to qualify for than conventional loan products. However, you must be an active-duty member of the armed forces. Surviving spouses also qualify.
A USDA loan is a type of mortgage offered by the U.S. Department of Agriculture (USDA) to low- and moderate-income borrowers who are looking to buy a home in a rural or suburban area.
See also: 14 First-Time Home Buyer Grants and Programs
Check Out Our Top Picks for 2024:
Best Mortgage Lenders
Most mortgages have a 30 or 15-year term. The latter will cost you more per month, but you’ll save a load of cash on interest.
You can also choose from a fixed or adjustable-rate mortgage (ARM). Fixed-rate mortgages have the same interest rate for the duration of the loan. But ARMs typically start with a lower interest rate for a set amount of time. In fact, they usually span from five to ten years and then adjust depending on the housing market.
Some first-time homebuyers choose ARMs over fixed-rate mortgages because it gives them the option to make a smaller monthly payment in the first few years. It could also mean that you can qualify for a more expensive home. But, be careful not to get too overextended, as erratic market behavior could cause the rate to skyrocket.
This is one of the more time-consuming parts of the entire mortgage process for a first-time home buyer. The good news is you don’t have to settle for the first offer that comes your way out of fear that your credit score will take a hit.
“FICO Scores ignore [mortgage] inquiries made in the 30 days prior to scoring,” according to myFICO. So, you won’t be penalized for multiple inquiries.
So, start by researching mortgage lenders that you may be interested in working with. You could also solicit the help of a mortgage broker if you’re strapped for time or want someone to do the legwork for you.
Once you’ve settled on a few lenders, be prepared to provide the following to get preapproved:
They will also pull your credit report and credit scores. If you qualify, the mortgage lender will then provide you with a preapproval letter, valid for a certain time period, that specifies how much you’re eligible for.
During the preapproval process, the lender should have discussed loan options that could be a good fit for you. They should also have communicated how much you will need for a down payment and closing costs.
While some sellers may be willing to cover closing costs, be prepared to provide earnest money to secure your offer. And you may need a large down payment if you’re taking out a jumbo loan, or don’t qualify for the FHA or VA loan program. If that’s the case, now’s the time to figure out a plan for it.
If the seller is not paying closing costs, expect to pay between 2% and 5% of the sales price. And if a hefty down payment isn’t required, it’s not a bad idea to bring money to the table. Doing so allows you to reduce the Loan-to-Value, which positions you as less risky to the lender.
You may also be able to avoid private mortgage insurance (PMI), which is required until you reach 20% in equity, and possibly qualify for a reduced interest rate.
All squared away with a preapproval and planned to save up the cash you need? Now, it’s time to go home shopping. But before you go, you have to decide if you want to enlist the assistance of a real estate agent.
It’s possible to find a slew of listings within your price range on the web with minimal effort. However, real estate agents have access to a system that could expand your reach. Even better, they could be integral in helping you choose a home that’s a good buy and negotiating the final purchase price.
And the seller’s agent pays their commission, so no need to worry about forking over extra cash. Just be sure to hire a real estate professional that is seasoned and reputable.
Now for the fun part: home shopping. Be careful not to judge a home solely by its appearance. Some other important factors to keep in mind:
All of these factors can have an effect on the value of the property over time.
You’ve found the perfect home, and you’re ready to sign on the dotted. Before you can finalize the paperwork and move in, there’s one more important step. And that’s making the offer. Even if the sales price seems fair, you may need to make an offer that’s higher or lower to snag the home.
Why so? Well, there could be a slight or drastic bidding war going on, and the only way for you to win is to beat out the competition. Or maybe your real estate agent did some research and determined the asking price was a bit high based on similar properties in the area or the home’s current condition.
Either way, you want to submit an offer that stands out and gets accepted. Your real estate agent will be able to do so on your behalf. But if you don’t have a real estate agent, check out these letters from Trulia to get you started.
Even after your offer is accepted, there’s still more work to do. You’re not done just yet! It’s time to move on to the mortgage process.
Remember that preapproval letter? The lender will make sure all the information you initially provided is accurate through a process called underwriting.
Depending on how long it’s been since you were preapproved, you may be asked to provide updated bank statements or pay stubs.
The faster you submit the requested information, the quicker you’ll get a response. So, don’t drag your feet if you want a closing date that’s sooner than later.
Before you close on the home, you will need to have a home inspection and appraisal complete.
The home inspection shouldn’t cost you more than $500. It will give you an overall assessment of the property and identify any potential issues.
The appraisal also plays an integral role as it will give you a solid idea of the home’s fair market value. The lender will mandate it, but it’s not a bad idea to get an independent appraisal done to serve as a second opinion.
An inspection and appraisal may help you decide if you should lower your offer or walk away from the property.
Your mortgage lender will require that you take out homeowners insurance. So, you want to start shopping around for quotes and select a policy prior to closing.
At last! You’ve reached the finish line, and it’s time to close on your loan. During the closing, expect to:
But before you show up at closing, it’s a good idea to speak with the lender, so you’ll know what to expect. You can also request a copy of the final closing document, or Closing Disclosure, to see a detailed breakdown of expenses.
Here are a few more suggestions for first time home buyers to help you get approved for your first loan:
Perhaps you’ve done a little legwork, ran the numbers, and are on the fence about home buying. You will typically find that it’s cheaper to make monthly mortgage payments than to pay rent.
You can also take advantage of tax deductions and build up equity as you’re making monthly payments. The equity can be borrowed against for a loan or put some extra money in your pocket should you decide to sell before the repayment period ends.
However, renting a home gives you the flexibility to move to a new location if the home isn’t quite what you expected, don’t like the neighborhood, or want something more affordable.
Furthermore, renting allows you to pass the costs of maintaining the home on to the owner. But as a homeowner, you’ll be responsible for costs associated with maintenance and repairs.
Another reason why some choose to rent over buying is the upfront costs. Most landlords require a security deposit. However, it could be substantially lower than the money you may have to bring to the table for the down payment and closing costs.
Ultimately, you have to decide which is the better fit: investing in an asset that could build wealth or continuing to pay rent until you feel the time is right. There is no right or wrong answer; it just depends on your personal preference and financial situation.
By taking the time to learn about the home buying process, you’ll be well-prepared and save yourself time and headaches. Best of all, you’ll increase your chances of landing your dream home with the most competitive mortgage product on the market.
The process for buying a home typically involves the following steps:
When determining how much house you can afford, there are several factors to take into account. You should consider your income, expenses, down payment, credit score, and mortgage type before making a decision.
A larger down payment can help you get a lower mortgage rate, and a higher credit score can qualify you for better rates and loan terms. Shopping around for mortgage rates and considering different types of mortgages, such as fixed-rate or adjustable-rate, can also help you find the best deal.
Keep in mind that owning a home involves more than just the monthly payments. You will also need to factor in property taxes, insurance, and maintenance costs. You should create a budget that includes all of these costs and leaves room for unexpected expenses.
The amount of money you need for a down payment will depend on the type of mortgage you get and the price of the home you are buying.
Some mortgage programs, such as FHA loans, allow for down payments as low as 3.5%, while others may require a higher down payment. It’s a good idea to speak with a mortgage lender to determine how much you will need.
It’s possible to buy a house with a low credit score. However, it may be more difficult to get approved for a mortgage, and you may have to pay a higher interest rate. Before applying for a mortgage, work on improving your credit scores, as this will help you qualify for a better loan and save you money over time.
Closing costs are fees that are paid at the closing of a real estate transaction. These costs can vary widely and may include things like mortgage origination fees, title insurance, and appraisal fees. On average, closing costs can range from 2% to 5% of the purchase price of the home.
A mortgage preapproval is a letter from a lender that indicates how much you are qualified to borrow for a mortgage. The preapproval letter is based on a review of your financial information, including your credit score, monthly income, and debts. A mortgage preapproval can help you understand how much you can afford to borrow and can make you a more competitive buyer in the real estate market.
A mortgage rate is the interest rate that you will pay on your mortgage. The mortgage rate will determine the amount of your monthly payments and the overall cost of your loan. Interest rates can vary depending on the type of mortgage you get and your credit scores.
PMI, or private mortgage insurance, is insurance that is required by lenders for certain types of mortgages when the borrower has less than a 20% down payment. PMI protects the lender in the event that the borrower defaults on the mortgage. The cost of PMI is typically added to the borrower’s monthly mortgage payment.
Source: crediful.com
Finding a hotel can sometimes cause sensory overload — the sheer number of online travel agencies and hotel websites to check is enough to put anyone in freeze mode. If only there was a single site to help you navigate an infinite maze of hotel rooms.
Enter Trivago, a metasearch engine that compares lodging options to help you find the right hotel for your stay and save money in the process. Perhaps it also can help you calm your senses while vacation planning. Here’s the scoop on Trivago.
Trivago is not a booking site, but instead, it is a price comparison site that is available in more than 50 countries. It shows hotel prices for more than 5 million properties — from multiple booking platforms, including online travel agencies (OTAs), hotel chains and independent hotels — in one place.
Trivago’s search engine is capable of pulling up prices for the same hotel from hundreds of websites, including Booking.com, Expedia, Hotels.com, Vrbo, Trip.com and Priceline. Once you find a deal you like, Trivago transfers you to the booking site offering that rate to complete the booking process.
🤓Nerdy Tip
The websites Trivago refers to have been vetted, which means you won’t find any illegitimate or fraudulent websites that phish for your personal information or credit card numbers.
Keep in mind that Trivago searches hotel prices only and can’t search for other trip components, such as flights or rental cars.
The Trivago hotel rates you see are updated often so that you see the current prices, minus taxes and fees. However, in some rare cases, the offer you find on Trivago might be higher on the corresponding booking site itself.
You can start your Trivago hotel search on Trivago.com by entering a city, a landmark or a specific property you have in mind. Specify your travel dates, the number of rooms and guests, and click “Search.”
Because you’re going to see a plethora of properties, it’s best to apply filters to narrow your search.
First of all, you can set a price range per night or for the total number of nights.
Then, you can apply more filters, such as a hotel’s star rating, and check the boxes with the amenities that are important to you, including free cancellation, a gym, breakfast included, a pool, parking and pet-friendly, to name several possibilities.
Guest ratings are important — you don’t want to stay at a property with bad reviews. The next filter lets you eliminate accommodations with poor ratings.
Say you don’t want to go lower than an 8 out of 10. Then check a box with a “Very good” guest rating. Won’t settle for anything lower than an 8.5? Then click “Excellent,” and Trivago will filter out properties with subpar reviews.
Next up is property type. Whether you prefer staying at a hotel, guesthouse, bed and breakfast, hostel or apartment, you can select the property type you’re looking for and eliminate the ones that don’t interest you.
Location is an important factor affecting your hotel search. If you’re looking for a place in a certain neighborhood or even near a specific address, you can select or enter it as well.
Finally, sort the search results by the following priorities:
Trivago’s recommendations.
Guest ratings.
You also can sort by multiple priorities, such as “Price and recommended” or “Rating and recommended.”
Trivago’s recommendations feature is based on an algorithm that takes into account “the offer’s price, its general attractiveness and the accuracy of the rates provided to us by the booking sites.”
Keep in mind that unless you’re looking at Trivago Book & Go, the booking process goes through whatever booking platform you choose, whether it’s an OTA or directly with a hotel.
🤓Nerdy Tip
The initial rate you see doesn’t include taxes and fees. You’ll be able to see the final room rate on the booking site of choice.
With Trivago Book & Go service, you can make a hotel reservation with the accommodation provider. In this case, the platform acts as a facilitator, connecting you with a partnering travel agency. This allows you to book Trivago hotel deals directly with the partner.
Of course, Trivago charges the partner site a fee for the reservations you make through the Book & Go page.
Trivago’s ability to search hundreds of websites is a good thing and a bad thing at the same time. Having access to that many options can be overwhelming to sift through.
Trivago has several filters that can help you find the best hotel deal possible. Examples include price, accommodation type and ratings. The more filters you apply to your search, the more tailored your results will be.
Having said that, if you’re finding too few hotels once the filters are applied, especially if you’re searching in an area with fewer accommodation options, consider expanding your search by opening up some of the search criteria.
If you click on “View map” in your Trivago search results, you can find hotels based primarily on their physical location. The map shows each property’s location and nightly price, and you can zoom in and out to focus on one specific area or expand your search to multiple neighborhoods in either direction of your preferred location.
When you hover your cursor over a price, more information about a hotel will appear, including its guest rating, the number of reviews and the website with the best deal.
Once you find a hotel on Trivago, we recommend checking how you could lower the price you see even further. Some accommodation providers offer AAA, AARP and military rates to members.
Additionally, you might be able to find a promo code for select websites, such as Orbitz or Hotels.com. Finally, ask around to see if anyone you know works for a hotel chain and can get you a friends and family discount.
If searching for a place to stay is giving your brain more information than it can process, give online resource Trivago a try.
The metasearch engine helps you filter out the noise and find hotel deals in one place. Use the map feature to zone in on a preferred location and scroll until you find the best lodging option for you and your travel companions.
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Source: nerdwallet.com
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What loan officer hasn’t had a memorable co-signing experience? Some more so than others. Along those lines, if you head to Disneyland or Disneyworld, and find bone chips or ashes on the floor of your favorite ride, it is probably not an accident. Nor is eking out a gain, or at least breaking even, in residential lending an accident. At the Great River Conference in Memphis, much of the information being presented is about how to do things more efficiently. And for good reason, as the MBA’s calculations for IMBs and mortgage subsidiaries of chartered banks last showed that total loan production expenses (commissions, compensation, occupancy, equipment, and other production expenses and corporate allocations) increased to $12,485 per loan in the fourth quarter. On the income side of things, borrowers who obtained adjustable-rate mortgage loans (ARMs, for lack of a better acronym) 3 or 5 or 7 years ago have popped up on LO screens for refinances, and you can bet that the companies who own that servicing are all over those borrowers “like hounds on a meat wagon.” (Found here, this week’s podcasts are sponsored by Optimal Blue. OB’s smart solutions automate critical functions like pricing, hedging, trading, and social media. More originators and investors rely upon Optimal Blue’s integrated solutions, data, and connections to support their unique business strategies, no matter how complex. Hear an interview with Optimal Blue’s Mike Vough on refining margin management to improve loan profitability and reduce risk.)
Lender and Broker Products, Software, and Services
For many non-QM lenders, real estate investors make up nearly half of their pipeline. Despite stubbornly high interest rates and low inventory, these borrowers continue to transact in this market, opening up an opportunity for lenders to capture this business. However, capturing this business with traditional marketing and sales efforts is not easy. Unless you have Privy. With Privy, you can now automate real estate investor and borrower acquisition and retention. With just a click of a button, borrowers are able to engage with you at any stage of the transaction process, from just browsing to ready to transact. Let effective technology help drive your DSCR, asset depletion, and fix and flip loan volume. Contact Brad Bieber (803-730-5032) to learn more about Privy’s Enterprise Solutions.
A 30-minute meeting with Planet Home Lending’s Correspondent sales team at the MBA Secondary & Capital Markets Conference could be the catalyst for a year-round boost in your business. Join us in the Gotham III Ballroom at the InterContinental New York Times Square. Don’t wait: secure your spot now before they’re all booked! Get in touch with your Regional Sales Manager or SVP Correspondent Sales, Jim Loving (414-270-0027) to explore our continually refined product lineup spanning vanilla to niche products all tailored to your unique needs: Best effort, mandatory AOT, delegated, or non-delegated.
“Regional Credit Union Attributes Successful Audit Process to QC Ally Partnership! In a world where integrity is everything, QC Ally prides itself on building a foundation of trust with each client partner. Recently, we sat down with Bill James, Chief Risk Officer at Marine Credit Union, to discuss how QC Ally helped them achieve a formalized, unbiased pre-fund and post-close audit process with custom loan sampling. As Bill put it, ‘We’ve been very happy with QC Ally. We stacked QC Ally up against very strong competition, and they really won hands down. The service levels you provide and your own staff with very deep, rich experience are unmatched.’ Learn more here.”
As certain wines age, their tannins bind together in a process called polymerization, creating a smoother, rounder flavor that’s more desirable, and, often, more valuable, than when first vinted. Are your mortgage technology partners improving like fine wine? That’s been the experience of Lake Michigan Credit Union, which just shared new success metrics regarding its use of income and employment verification from Argyle. It’s been about a year since LMCU switched to Argyle for VOIE, and the credit union can now quantify its time and cost savings at a whopping 3 weeks and $100 per closed loan. Read the updated case study findings here.
Mortgage Capital Trading, the de facto leader in innovative mortgage capital markets technology, introduces a game-changing best execution technology for MSR retain and release decisions all in one platform. With this groundbreaking development, MCT’s Enhanced Best Execution (EBX) solution emerges as a real-time bridge between MCTlive! (live whole loan/SRP execution) and MSRlive! (loan level MSR valuation), revolutionizing the landscape of best execution strategies in the mortgage industry. MCT clients now have accurate insight into how loans are trading and what investors are paying along with the intrinsic servicing value to enhance the retained vs. released decisioning process. What was once a manual, time-consuming exercise is now completely automated with EBX, making all of the essential execution data elements accessible with the click of a button. Read the latest press release or join MCT’s upcoming webinar to learn more about their latest innovation.
Events and Training
A good place for longer term conference planning is to start is here, and click on “Conference List” for in-person events in the future. Yes, there’s plenty ahead in April, but I thought for travel planning purposes it would be to glance ahead to May as vendors and lenders take a critical look at travel & entertainment budgets.
National MI University’s May Webinars: Leading With Style with Andrew Oxley – May 7th at 2pm ET. Income Analysis for Conventional Loans with Marianne Collins – May 9th at 1pm ET.
How to Make Accountability Cool and KPIs Fun Again with Dr. Bruce Lund – May 14th at 2pm ET. Screen Savvy: Mastering Virtual Influence for Lenders with Julie Hansen – May 15th at 2pm ET. Understanding the Personalities of Your Clients and Partners with Rebecca Lorenz – May 16th at 1pm ET. Your Event Playbook to Network and Form Referral Partnerships with Kendra Lee – May 21st at 1pm ET.
Great things are happening around the 2024 Fair Lending Forum, April 29 – May 1 in Charlotte, NC! Asurity is thrilled to announce that Josh Stein, North Carolina Attorney General, will be joining us! He will share his perspectives on fair lending during a fireside chat with our Founder and CEO, Andy Sandler titled The Role of State Attorney Generals in Fair Lending Enforcement. Other prominent speakers are Bob Broeksmit, President and CEO of MBA; Lindsey Johnson, President and CEO of CBA: Grovetta Gardineer, Sr. Deputy Comptroller for Bank Supervision Policy, OCC; Ben Olson, Senior Associate Director for Consumer Protection & Supervision, FRB; Varda Hussain, Principal Deputy Chief for Fair Lending in the Civil Rights Division, Housing and Civil Enforcement Section, DOJ; and Frank Vespa-Papaleo, Principal Deputy Director of Fair Lending, CFPB. Register at www.fairlendingforum.com.
If you’re in Minnesota on May 1st, 10:00am – 12:00pm and a Loan Originator, are you interested in creating and building strong realtor relationships? If so, register and attend the “Mastering the Realtor Referral Relationship” presented by Steven Ross, Author of Doors Open When You Knock.
Join Northern Michigan Luncheon, Tuesday, May 2, 11:30 AM – 1:00 PM at Silver Spruce Brewing Company, to hear from a panel of VA Loan Experts and they dive into the specifics of this loan type, any changes that are coming on VA loans and much more. They’ll also be discussing the pending NAR settlement, and what changes that brings to VA loans, sales, and associated realtor fees.
Don’t miss this opportunity to connect with industry peers, gain valuable insights, and elevate your mortgage business. Attend the MMBBA Annual Conference on Thursday, May 2, 10 a.m. to 4 p.m. in Queenstown.
The Maryland Mortgage Bankers and Brokers Association Annual Conference is scheduled for Thursday, May 2, 10 a.m. to 4 p.m. in the picturesque setting of Queenstown, MD. Featuring speaker, Edward Seiler, PhD, Executive Director of the Research Institute for Housing America and Associate VP of Housing Economics at the Mortgage Bankers Association. Edward will provide invaluable insights into the housing market and economic trends.
This year’s OMBA Annual Convention will delve deep into the dynamics of the mortgage industry and explore the current market trends. Whether you’re a seasoned professional or just stepping into the mortgage world, this event on Monday, May 6 – Tuesday, May 7 promises valuable insights to navigate the industry’s landscape.
The AEI Housing Center will host five convenings in the week of May 6 in Denver, Colorado; San Francisco, California; Los Angeles, California; Orange County, California; and San Diego, California. These convenings will share insights on using light-touch density (LTD), also known as middle housing, to craft solutions to America’s growing housing supply crisis. Registration is free. Los Angeles is the only location that will offer a livestream.
Register for NALHFA Annual Conference 2024, May 1-4 in Las Vegas. Experience education and connection at NALHFA 2024 with an Affordable Housing Bus Tour, Women in Finance Luncheon & Roundtable, Speaker Sessions, and Networking Opportunities.
Register for the Maryland Mortgage Bankers and Brokers Association Annual Conference, scheduled for Thursday, May 2nd, 10 a.m. to 4 p.m. in the picturesque setting of Queenstown. This year’s conference will delve deep into the dynamics of the mortgage industry and explore the current market trends. Whether you’re a seasoned professional or just stepping into the mortgage world, this event promises valuable insights to navigate the industry’s landscape.
In Birmingham, the MBA of Alabama will host its 38th Annual Convention on May 7 & 8.
Registration is open for ACUMA’s FOCALpoint workshops – Join ACUMA in Nashville May 9-10 or Denver June 11-12! Same amazing topics and content in each location – just pick the best city for you! The two-day subject-intensive workshops take deep dives into critical issues affecting the credit union mortgage lending industry. Sign up today! Register here for ACUMA workshops.
The MBA Georgia (MBAG) Conference is coming on May 12-15 at the One Ocean Resort, 1 Ocean Blvd, Atlantic Beach, Florida! For registration visit here.
The Single-Family Housing Guaranteed Loan Program (SFHGLP) Servicing Office in St. Louis, MO announced free, in-person training to lending partners, May 13-17 at the Charles F. Prevedel Federal Building. The training will offer multiple sessions to provide technical training on Loss Claims, Loss Mitigation, and Lender Reporting. USDA will not charge a registration fee. Attendees are responsible for all travel costs. USDA will not be blocking hotel rooms. Attendees may search for hotel accommodations near the training facility located at 9700 Page Ave, St. Louis MO 63132.
Capital Markets
A day after Fed Chair Powell threw cold water on expectations for rate cuts this year by admitting progress against inflation has stalled, Treasury and mortgage security prices rallied yesterday, dropping rates some, aided by excellent demand at a $13 billion 20-year Treasury bond reopening. Remember, even “a dead cat bounces.” There is some chatter out there that Fed Chair Powell’s tonal pivot last year is partly to blame for the lack of recent progress against inflation. Futures are now pricing in a maximum of two 25-basis point rate hikes in 2024, a far cry from the nearly 150-basis points of easing that fed fund futures had anticipated at the beginning of the year.
There was no top-tier data of note yesterday, but the Fed did release its April Beige Book, which noted that the economy has expanded at a slight pace since February. “Price increases were modest, on average,” it said. 10 of the 12 Federal Reserve Districts reported slight or modest growth while two reported no change. Consumer spending edged up slightly, though discretionary spending was pressured in some Districts. Tourism increased modestly but varied widely across the 12 Districts. Residential construction grew a little while nonresidential construction was flat. Employment rose at a slight pace while prices grew modestly, maintaining the pace seen in the last report.
We also learned that single-family home prices increased 7.4 percent from Q1 2023 to Q1 2024, up from the previous quarter’s revised annual growth rate of 6.6 percent, according to Fannie Mae’s latest Home Price Index reading. The national repeat-transaction home price index measures the average, quarterly price change for all single-family properties in the U.S., excluding condos. On a quarterly basis, home prices rose a seasonally adjusted 1.7 percent in Q1 2024, essentially the same as the growth in Q4 2023. On a non-seasonally adjusted basis, home prices also increased by 1.7 percent in Q1 2024.
Today’s economic calendar began with weekly jobless claims (212k, +1k from the prior week, continuing claims 1.812 million, so the labor market continues to do just fine) and Philadelphia Fed manufacturing (15.5, way up!). I did see an interesting report in Bloomberg yesterday that indicated cracks in a U.S. labor market that has been near historic strength for much of the past two years are forming. In five states (CA, CT, NV, NJ, WA), the ratio of jobless people per opening is one or more. Meanwhile Arizona and New York are nearing parity with a rate of 0.9, according to February data from the U.S. Bureau of Labor Statistics.
Later today brings March existing home sales and leading indicators, Freddie Mac’s Primary Mortgage Market Survey, and (once again) remarks from multiple Fed speakers. It’s also a busy day for the Treasury, which will both announce month-end supply consisting of $69 billion 2-year, $70 billion 5-year, $44 billion 7-year notes, and $32 billion 2-year FRNs and auction $23 billion 5-year TIPS. After the initial jobless claim’s news, we begin the day with Agency MBS prices marginally worse than Wednesday evening, the 10-year yielding 4.61 after closing yesterday at 4.59 percent, and the 2-year is at 4.95.
Employment
“TAYGO INC. presents an enticing new opportunity for a SaaS Sales Representative! This pivotal role is instrumental in propelling the success of TAYGOTM through selling our SaaS solutions to prospective clients. The key focus is comprehending the requirements and challenges of mortgage lenders (as well as mortgage brokers) and adeptly showcasing how our products, WEB-GOTM and RIN-GOTM, can optimize their operations and business performance. You must have a strong understanding of CRM products, their features, and the mortgage industry. You must effectively engage with prospects to understand their needs. You must also carefully monitor existing clients’ activities to identify upsell opportunities. You must have exceptional communication skills for online demos and meetings, cold or warm calls and emails. Your expertise, patience, and ability to build and maintain strong customer relationships will be vital in achieving our sales goals and ensuring customer satisfaction. Please send your resume to us.”
“Citizens has a proven track record of successfully navigating challenging market conditions while our capital, liquidity and funding positions remain strong. Retail loan officers need a diverse product mix, reliable operations, and seasoned leadership to rely on to be able to win. With great pay and generous benefits, along with strong digital tools to help you get the job done, Citizens is looking for talented loan officers in the Northeast, MidAtlantic, Midwest and Florida. Our deep product mix allows loan officers to serve many different customer needs, from affordable loan programs such as HomeReady to a best-in-class one-time close construction-to-permanent product, we have what you need to succeed. Citizens’ recent launch of Freddie Mac’s LPA enhances our vast product journey, driving a more personalized and customer-centric experience. Our specialty programs such as condo/co-op financing, along with an amazing Private Wealth discount value proposition for high net worth banking clients, ensure you have all the tools to win. We know a positive customer experience begins with loan origination but doesn’t end there. Recently the Citizens Mortgage Servicing Team received the prestigious ICE Innovation Award for Best Use of Data to Drive Automation, resulting in a 10 percent increase in our customer satisfaction scores. To learn more about how to join our team contact Carl Minott or visit here.”
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Source: mortgagenewsdaily.com
Savvy frequent flyers know that having an arsenal of tools at their disposal when planning travel or while on the road is key to a stress-free experience. ExpertFlyer is a website that offers an array of tools and information that can help travel run smoothly, from finding available award seats to flight tracking and seat maps.
Here’s an overview of what you can expect when using ExpertFlyer and what’s available to those who purchase the full premium access version.
ExpertFlyer is a website with free, paid and premium paid subscriptions that allows travelers to search for frequent flyer award and upgrade space, determine how full flights are, track flight status and delays, review seat maps, and check visa and travel requirements for various destinations.
It can also help travelers to:
Check flight status, timetables and on-time information.
Review seat maps for all types of aircraft.
Create and save alerts for specific flights, seats, schedules or aircraft changes.
Save search queries for future use.
The site relies on global distribution systems (these are what travel advisors, websites like Google Flights and Kayak and airline reservations systems use) to provide data — although some airlines block ExpertFlyer from accessing it.
While ExpertFlyer doesn’t have access to every airline’s award space, it does show availability for awards and upgrades made available by that airline’s own award program. These same awards are not always made available to partner programs, but it is helpful to know in case you want to transfer points from other credit card or hotel loyalty programs.
Many elite status members receive upgrade certificates they can use, and while some airlines list upgrade availability on their website, ExpertFlyer can be used for those that don’t.
Currently, ExpertFlyer provides access to the following airlines for award and/or upgrade space. Note that some of these airlines display award space for one cabin only, like economy class.
Available airlines:
Aegean Airlines.
Aer Lingus.
Air Canada.
Air Europa.
Air France.
Air Malta.
Air Mauritius.
Air New Zealand.
Air Serbia.
Air Seychelles.
Air Tahiti Nui.
Alaska Airlines.
American Airlines.
British Airways.
Canadian North.
China Southern Airlines.
CSA Czech Airlines.
Hainan Airlines.
Hawaiian Airlines.
JetBlue Airways.
Kenya Airways.
Korean Air.
Kuwait Airways.
Martinair.
Philippine Airlines.
Shanghai Airlines.
Turkish Airlines.
Xiamen Air.
Using the search engine is simple. Select the airline you want to search, your dates of travel and departure and destination airports. The drop down menu will show you the availability that the website can access for that carrier.
The results show availability for each selected category, with the ability to check multiple flight and date options. Armed with this information, you can then contact the airline directly to make an award booking or try to redeem miles online.
In the above example on a search for a KLM flight from New York-John F. Kennedy to Amsterdam, you can use Delta SkyMiles or Air France/KLM FlyingBlue points to book a business or economy award seat on these flights. You could also use a Delta Global Upgrade certificate on the first two options.
If the search comes up with no results, you can click the exclamation point icon to set an alert to notify you if space becomes available. Just remember that KLM (like other airlines) may make certain award space available to its members, but not to partner carriers. So you’ll want to check the frequent flyer program’s website to determine the exact cost in miles.
Understanding the nuances of each fare class code can be helpful, but often, clicking the small question mark symbol next to a code (like in the KLM example above) will help explain what that availability means.
If you want more details, there’s a fare class guide for many airlines on ExpertFlyer. The below example shows the class codes for different American Airlines fares. Other reference guides available on ExpertFlyer include codes for airports, airlines, meals and aircraft equipment.
If you’re making a connection, you’ll want to consider how you search. Looking segment by segment may not reveal the same award or upgrade availability as searching from origin to destination point.
Each airline is different in this practice, which is referred to as “married segments.” For example, an award flight may be available from New York to Amsterdam and from Amsterdam to Madrid, but not from New York to Madrid (even on the same airlines).
If you want to see how full your flight is, the airline’s own seat map isn’t always a reliable resource. This is because not everyone selects seats in advance or wants to pay for one. Using ExpertFlyer can tell you if the flight is full or still has seats for sale.
You simply enter the flight information you are searching for (departure and arrival city plus flight date). The results will pull up all the flights on all airlines that appear in ExpertFlyer’s database, like the example below.
There are numerous fare buckets for each flight representing different fares and restrictions. If you see a zero after a fare type, this means it’s sold out. In the above example, a search for flights from New York-John F. Kennedy to Amsterdam shows the different fares for sale. Most fares are still available (translation: these flights are not completely full).
In the case of the last flight above (Delta 48), there are only four seats left in business class for sale (J refers to full-fare business class). If you see zeros across the board, the flight is full. It may even be oversold, and if you want to try and volunteer your seat for compensation, get to the gate early. You may get rewarded for changing to another flight.
This information can also be helpful if you have a delayed or canceled flight and want to search for availability on an alternative flight. Checking this information in real time can help immensely, especially if there are only a few seats left up for grabs.
If you’re looking to see which flights are available between a given city pair, from a particular airport or to a particular airport on any given day, ExpertFlyer can provide this information. You can also see how many flights operate between two city pairs on any day.
Below is an example of the flights departing Piedmont Triad airport in North Carolina on the morning of Oct. 21 within the first hour of the day. This information can help you determine which flight options are available.
It can also be helpful to see if a particular airline flies to your destination and if you can use miles on your preferred carrier.
To narrow the search results, you can filter to display only the airlines you want (and also leave out codeshare flights).
If you’re curious about the flight status of your trip, ExpertFlyer can provide timely updates. For example, if there’s a delay, you can often find information about the reason for the delay (not all airlines are transparent about this information). The site also gives estimated departure times.
In the above example, a flight from Chicago-O’Hare to Eagle Vail airport in Colorado was delayed just over two hours due to aircraft maintenance. In the “Comments” section, you can see the plane left the gate at 12:11 p.m. (out), took off at 12:22 p.m. (off) and arrived at 1:51 p.m. (in).
🤓Nerdy Tip
This level of detail can be very helpful if gate agents aren’t forthcoming with information or you’re picking up someone from the airport.
Another helpful benefit is seeing real-time TSA security checkpoint times for the departure airport. The example below shares real-time checkpoint information for Atlanta airport.
Similarly, you can learn more about a particular flight such as aircraft type, total distance flown and if there’s meal service on board.
When you click on the letter B under the first flight in the example, it indicates that first class receives breakfast. The V next to it means food for sale.
The ExpertFlyer seatmap is updated in real time as it reflects the global distribution system. The map is a good resource for knowing which seats are available, for sale, blocked or open to assign.
If you’re standing at the gate and wondering if there are any empty seats you can move to at the last minute, you’ll be able to determine this using the seat map tool.
In the above example of a Delta flight, there are eight seats available to assign in the premium cabin. If you prefer to reserve one of the previously assigned seats, you can set an alert to receive an email if it becomes available.
This can be especially helpful for full flights where you want seats together with a companion or want a particular seat.
The fare information section provides details on the fare rules for each of the different fares available on a particular flight. This is the same information that airlines or travel advisors use when providing details on cancellation or change policies and other restrictions on a ticket.
The travel information section allows you to look up what visa, passport or travel requirements are in place for visiting or transiting through particular countries.
The example below shows instructions for passengers departing the U.S. and traveling to Algeria via France. It explains that you will need a passport with a minimum of six months validity from the arrival date as well as a visa. Visas on arrival are only available for travelers to specific destinations within the country, along with certain restrictions.
As visa requirements can change quite often, this is a useful tool for frequent international travelers.
You can also find details on historical wait times for security or how often a particular flight is delayed. The minimum connection time tool also indicates how much time you should allow between particular flights in each airport. This can come in handy if you’re booking separate reservations (instead of booking all your flights in one ticket) to save money.
ExpertFlyer has a pricing model with three tiers.
Free and a la carte. There’s a free membership that includes access to ExpertFlyer seat maps and the ability to set alerts for preferred seat changes. One alert at a time is allowed for free, with additional seat alerts available for $0.99 each.
Basic tier. A basic membership costs $4.99 per month and allows 250 monthly searches for awards along with access to Expert Flyer seat maps, seat alerts, flight schedules and travel information.
Premium tier. The highest-level membership costs $99.99 annually or $9.99 per month. This service provides access to all of the site’s functionality mentioned above, including unlimited search queries. It also adds extra benefits such as mobile access and the ability to create alerts for aircraft changes or flight availability. You can also do flexible date searches for as many as three days before or after a particular travel date.
If you travel frequently, ExpertFlyer is a useful tool to have. Being in control of your travel reservations, especially when there are disruptions or you’re looking to use miles and upgrades on the best flights, means that ExpertFlyer can be a frequent flyer’s best friend. That said, if you only travel a few times a year, the free or basic version may be a better option.
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Source: nerdwallet.com
Have you been wondering, “Should I move to Kansas City, MO?” If so, you’re not alone. This city is a hidden gem in the heart of America, offering a unique blend of Midwestern charm and urban amenities. Known for its jazz heritage, mouthwatering barbecue, and the iconic Kansas City Royals, this city stands out for its rich culture and friendly atmosphere. In this article, we’ll dive into the pros and cons of living in Kansas City to help you figure out if this city’s rhythm matches your own. Let’s get started.
Walk Score: 35 | Bike Score: 35 | Transit Score: 25
Median Sale Price: $250,000 | Average Rent for 1-Bedroom Apartment: $1,210
Kansas City neighborhoods | Houses for rent in Kansas City | apartments for rent in Kansas City | Homes for sale in Kansas City
Kansas City boasts a vibrant musical history, particularly known for its jazz legacy. The city’s 18th and Vine Historic Jazz District is a cultural gem. The area offers live music venues where visitors can immerse themselves in the sounds that once dominated the area. The local American Jazz Museum serves as a testament to the city’s significant contribution to the genre. This unique musical culture provides residents and visitors with a deep sense of connection to the artistic soul of Kansas City.
Living in Kansas City means experiencing a wide range of weather conditions, from sweltering summers to bitterly cold winters. The city’s location in the Midwest subjects it to unpredictable weather patterns. These include severe thunderstorms and occasional tornadoes in the spring and summer months. Winter brings its own challenges, with heavy snowfall and ice storms often leading to difficult travel conditions. These weather extremes can be a significant drawback for those not used to this type of weather.
Kansas City is renowned for its barbecue, with more than 100 barbecue establishments offering their take on smoked meats. However, the city’s culinary scene extends far beyond barbecue, featuring a diverse array of dining options that cater to all tastes. From farm-to-table restaurants to ethnic eateries reflecting the city’s multicultural population, food lovers will find Kansas City a delightful place to explore new flavors.
With a Transit Score of 25, many locals find public transportation options in Kansas City limited. While the city made strides in improving its public transportation system, including the introduction of the KC Streetcar, it still faces challenges in providing comprehensive coverage. Many areas of the city and its suburbs are not well-served by public transit, making car ownership almost a necessity for residents. This limitation can be a significant inconvenience for those looking for more sustainable transportation options.
The cost of living in Kansas City is 6% lower than the national average. Housing prices are relatively low, allowing locals to enjoy a higher quality of life without the financial strain experienced in more expensive cities. This affordability extends to everyday expenses, such as groceries and utilities, making Kansas City an attractive option for individuals looking to stretch their budgets further.
While Kansas City has a robust job market in industries such as healthcare, finance, and technology, opportunities in certain sectors can be limited. Those seeking careers in more specialized fields may find fewer options available. This means some people may need to commute to neighboring cities or broaden their job search. This limitation can be a significant consideration for people evaluating Kansas City as a potential place to live and work.
Kansas City’s arts and culture scene is a significant draw, featuring a wide range of museums, galleries, and theaters. The Nelson-Atkins Museum of Art and the Kemper Museum of Contemporary Art offer world-class art collections, while the Kauffman Center for the Performing Arts hosts a variety of performances, from opera to ballet. This vibrant cultural landscape provides locals with ample opportunities to engage with the arts, enriching the community’s overall quality of life.
For individuals sensitive to allergens, Kansas City’s seasons can be challenging. The city experiences high pollen counts, particularly in the spring and fall, which can aggravate allergies. Additionally, air quality can be a concern during periods of high humidity and heat in the summer months, potentially affecting those with respiratory conditions.
Kansas City is a haven for sports fans, home to the Kansas City Chiefs (NFL) and the Kansas City Royals (MLB). The city rallies around its teams, creating a strong sense of community and pride. Arrowhead Stadium and Kauffman Stadium offer electrifying environments for game days, providing unforgettable experiences for fans. This passionate sports culture is a unique aspect of living in Kansas City, fostering camaraderie among residents.
The sprawling layout of Kansas City can be a con for those who prefer more compact, walkable urban environments. The city’s extensive footprint means that many destinations are spread out, requiring reliance on personal vehicles for transportation. This sprawl can lead to longer commute times and can detract from the sense of community found in more densely populated areas.
Kansas City has an impressive array of parks and green spaces, offering people a welcome escape from urban life. Swope Park, larger than New York City’s Central Park, provides a vast area for outdoor activities, including hiking, golfing, and the Kansas City Zoo. These green spaces are essential for recreation and relaxation, contributing to the city’s overall livability and quality of life.
Source: rent.com
Northwestern Mutual Releases 2023 Sustainability and Social Impact Report and Reaffirms Commitment to Building “A Better Tomorrow” MILWAUKEE, April 17, 2024 /PRNewswire/ — Northwestern Mutual, a leading financial services company, today announced the release of its 2023 Sustainability and Social Impact Report: A Better Tomorrow. The report shares details on the 167-year-old company’s investments in … [Read more…]