A Medicare flex card is a preloaded debit card offered by some Medicare Advantage plans that members can use for certain expenses like over-the-counter health items, assistive devices and utilities.
Although flex cards for seniors are associated with Medicare, they’re not provided by the government. They’re a potential benefit from Medicare Advantage plans, which are a bundled alternative to Original Medicare plans and sold by private health insurance companies.
What do Medicare flex cards cover?
Costs you pay for with your Medicare flex card vary by plan, but some common categories include:
Groceries (such as healthy items like vegetables and fresh meats).
Utilities (such as gas, water and electricity).
Over-the-counter health items (such as toothpaste and vitamins).
Assistive devices (such as handrails, shower stools and temporary mobility ramps).
Allowance for health care costs (such as dental, vision or hearing care).
Fitness (such as fees for sports facilities or fitness classes).
Weight loss (hospital- or non-hospital-based programs).
Compare Medigap plans
How do you use a flex card for seniors?
Flex cards are typically preloaded at monthly, quarterly or annual intervals with an allowance you can use toward one or more categories. You might be able to choose the category you want to use your flex card for, or your plan may offer a flex card for a specific cost, such as dental or vision care expenses.
You can use your prepaid flex card like you’d use a debit card: Present it at checkout and the money will be deducted from your flex card balance. You might also be able to use it to buy things online.
How much money is on a flex card for seniors?
The amount of your benefit will depend on your plan. Common benefit amounts range from $250 to $1,500 per year. Your plan may offer different benefit amounts for different categories.
How do you get a Medicare flex card?
Medicare flex cards are available with certain Medicare Advantage plans. If you choose Medicare Advantage, you can compare plan benefits and look for a plan that offers a flex card.
However, don’t choose a plan solely for the flex card benefit. Make sure you carefully compare Original Medicare and Medicare Advantage and find the best plan for your needs overall, including making sure your doctors are in-network and your prescription drugs are covered.
Some Medicare Advantage providers only offer flex cards for members who meet certain requirements, such as having a certain chronic condition. And you may live in an area of the country where a plan with a flex card isn’t an option for you.
New York – S. Lichtenberg, a leading producer of window treatments, is turbocharging its recent expansion into other categories under a new licensing agreement.
The company has signed a deal with Egypt Sherrod – the award-winning HGTV star, interior designer and real estate expert – who is expanding her foray into home décor under her consumer brand, Indigo Road by Egypt Sherrod.
The home textiles company will design, develop and distribute fashion bedding, throws, decorative pillows, window treatments, shower curtains and accessories for the brand. Forthcoming additions will include bath and table linens.
Last fall, Lichtenberg unveiled its first collections of bath products and table linens, leveraging its strength in the replenishment business as well as design. The new collaboration will debut at New York Home Fashions Market in March.
“The Indigo Road collection is where comfort and luxury align. It embodies the idea that everyone deserves access to, luxurious home decor,” said Sherrod. “This collection pulls from my own Native American and Eritrean roots, and we strive to create pieces that interweave all this richness. From texture to print work, Indigo Road echoes the refined beauty of the natural world and empowers others to tell their own stories through interior design.”
The Indigo Road by Egypt Sherrod product portfolio currently includes wallpaper, accent furniture and décor pieces.
Denver International Airport is the third-busiest airport in the world, with more than 69 million passengers passing through its terminals in 2022.
Getting access to one of Denver’s airport lounges can improve your chances of finding more peace and quiet — or at least having a snack before you hit the skies.
Here are the lounges at Denver airport currently available for departing passengers.
Concourse A: Delta, United, Capital One and more
Denver airport’s Concourse A is home to the most airlines of the three concourses. This includes:
Air Canada.
Air France.
British Airways.
Copa Airlines.
Delta Air Lines.
Edelweiss.
Frontier Airlines.
Lufthansa.
United Airlines.
Given the number of airlines that fly into Concourse A, it should come as no surprise that it has more lounges than other concourses.
Delta Sky Club
The Delta Sky Club in Denver is located at the pedestrian bridge Y juncture on level 4, on the south end of the center core.
Open from 4:15 a.m. to 12:15 a.m. on Sunday through Friday and 4:45 a.m. to 7:30 p.m. on Saturday.
Denver’s Delta Sky Club lounge includes a buffet, two seating areas, a self-serve bar and other complimentary beverages.
The lounge is open to:
Delta Sky Club annual members traveling on Delta or a partner airline.
Passengers flying first or business class on a SkyTeam airline.
Diamond, Platinum, and Gold-level Medallion members traveling Delta premium select (or the equivalent from a SkyTeam airline).
Select credit card holders, including those with the The Platinum Card® from American Express and Delta SkyMiles® Reserve American Express Card. Terms apply.
United Club
Located near gate A26.
Open from 5 a.m. to 9:30 p.m.
Offers free snacks, a full-service bar and complimentary Wi-Fi.
Access to the lounge is limited to:
Premium cabin customers on an international itinerary.
Business or first class passengers on a Star Alliance airline, flyers with Star Alliance Gold status who are flying internationally or who have Star Alliance Gold status through a partner airline.
Active U.S. military personnel.
Cards with United Club access
United℠ Explorer Card
on Chase’s website
United Club℠ Infinite Card
on Chase’s website
United Club℠ Business Card
Details
Annual fee:$0 intro for the first year, then $95.
Lounge access: Two one-time United Club passes after account opening and each year for your cardmember anniversary.
Annual fee:$525.
Lounge access: Primary cardholders get a United Club membership.
Annual fee:$450.
Lounge access: Primary cardholders get a United Club membership.
Learn more
Capital One Lounge
Located near gate A34, mezzanine level.
Open from 5 a.m. to 9 p.m. daily.
The lounge features:
Drinks (including cocktails, wine and craft beer).
Shower suites and more.
Open with unlimited access to those with the Capital One Venture X Rewards Credit Card, Venture X Business. Capital One Venture Rewards Credit Card or Spark Miles cardholders who are limited to two complimentary lounge visits per year.
USO
Located on the north end of A Gates Bridge from Jeppesen Terminal.
Open from 8 a.m. to 5 p.m.
The lounge includes coffee, snacks, drinks, games and complimentary Wi-Fi.
To use the USO lounge, you need to have a current active duty, Guard, Reserve or dependent ID card. Military retiree ID cards are accepted for access if space is available.
Concourse B: United Clubs
Concourse B exclusively has flights for United, which is why the only lounges here are United Clubs. Below is a list of the United lounges in the concourse.
🤓Nerdy Tip
Those with a boarding pass for same-day travel on a Star Alliance, United or a partner flight can purchase a one-time pass to a United Club in person or through United’s mobile app for $59 per passenger.
United Club – West
Located near gate B30.
Open from 6:45 a.m. to 7:30 p.m.
This United Club in Denver is the largest United lounge in the world. It measures 35,000 square feet and features a bar with craft beer, relaxation rooms, a buffet, a fireplace and a robot that takes away your used plates and glasses.
Access to the lounge is limited to:
Premium cabin customers on an international itinerary.
Business or first class passengers on a Star Alliance airline.
Flyers with Star Alliance Gold status who are flying internationally or who have Star Alliance Gold status through a partner airline.
Active U.S. military personnel.
Flyers with a United Club membership or a United Club one-time pass.
United Club
Located near gate B44.
Open from 5 a.m. to 9:30 p.m.
The lounge offers a full-service bar, complimentary snacks and Wi-Fi.
Access to the lounge is limited to:
Premium cabin customers on an international itinerary.
Business or first class passengers on a Star Alliance airline.
Flyers with Star Alliance Gold status who are flying internationally or who have Star Alliance Gold status through a partner airline.
Active U.S. military personnel.
Flyers with a United Club membership or a United Club one-time pass.
United Club Fly
Located near gate B60.
Open from 7 a.m. to 8 p.m.
This unique lounge gives United passengers with lounge access the ability to quickly grab sandwiches, snacks and drinks to take with them on their flight. While there is a small dining area in the lounge, it’s designed more for a quick grab-and-go experience.
Access to the lounge is limited to:
Premium cabin customers on an international itinerary.
Business or first class passengers on a Star Alliance airline.
Flyers with Star Alliance Gold status who are either flying internationally or who have Star Alliance Gold status through a partner airline.
Active U.S. military personnel.
Flyers with a United Club membership or a United Club one-time pass.
🤓Nerdy Tip
You can purchase an annual pass to United Club lounges or get access from certain United credit cards. For instance, the United℠ Explorer Card (annual fee $0 intro for the first year, then $95) includes two one-time United Club passes after account opening and each cardmember anniversary, while United Club℠ Infinite Card (annual fee $525) includes a United Club membership.
Concourse C: Centurion Lounge, Admirals Club
Concourse C is also home to the American Express Centurion lounge in Denver.
Alaska Airlines, American Airlines, Southwest Airlines, Spirit Airlines and United fly into Concourse C.
American Express Centurion Lounge
Located near gate C46.
Open from 5 a.m. to 10 p.m.
The Denver Centurion Lounge, which is over 14,000 square feet, features craft beer, a live-action cooking station with a chef-designed Italian menu, an immersive game experience and complimentary Wi-Fi.
Open to cardholders who have either the The Platinum Card® from American Express, The Business Platinum Card® from American Express, American Express Centurion, and Delta SkyMiles® Reserve American Express Card. Terms apply.
American Airlines Admirals Club
Located near gate C30.
Open from 4:30 a.m. to 11 p.m.
The Admirals Club in Denver offers complimentary Wi-Fi, food for purchase and conference rooms.
This lounge is open to:
One-day pass holders.
Citi® / AAdvantage® Executive World Elite Mastercard®.
Qualifying first and business-class passengers.
Final thoughts on Denver airport lounges
Denver has a number of lounges, including a Centurion Lounge from AmEx. Even so, the most impressive lounge at the Denver airport is United’s new United Club – West lounge.
While United does have the largest lounge presence in the Denver airport, Delta, British Airways, American Airways and Capital One also offer lounge access.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
If you spent your teenage years waiting anxiously for one of your siblings to get out of the shower, the idea of selling your spacious, multi-bathroom home and moving into a smaller house or condo may feel like a reversal of fortune.
Yet for many retirees, downsizing makes financial and practical sense. Younger baby boomers — those currently ranging in age from 57 to 66 — made up 17% of recent home buyers, while older boomers — ages 67 to 75 — accounted for 12%, according to a 2022 report from the National Association of Realtors Research Group. Boomers’ primary reasons for buying a home were to be closer to friends and family, as well as a desire to move into a smaller home, the report said. Both younger and older boomers were more likely than others to purchase a home in a small town, and younger boomers were the most likely to buy in a rural area.
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For retirees Fred and Shelby Bivins, selling their home in Green Valley, Ariz., will enable them to realize their dream of traveling in retirement. The Bivinses have put their 2,050-square-foot Arizona home on the market and plan to relocate to their 1,600-square-foot summer condo in Fish Creek, Wis., a small community about 50 miles from Green Bay. They plan to live in Wisconsin in the spring and summer and spend the winter months in a short-term rental in Arizona, where they have family.
Fred, 65, says the decision to downsize was precipitated by a two-month stay in Portugal last year, one of several countries they hope to visit while they’re still healthy enough to travel. “We’ve had Australia and New Zealand on our list for many years, even when we were working,” says Shelby, 68. The Bivinses are also considering a return visit to Portugal. Eliminating the cost of maintaining their Arizona home will free up funds for those trips.
With help from Chris Troseth, a certified financial planner based in Plano, Texas, the Bivinses plan to invest the proceeds from the sale of their home in a low-risk portfolio. Once they’re done traveling and are ready to settle down, they intend to use that money to buy a smaller home in Arizona. “Selling their primary home will generate significant funds that can be reinvested to support their lifestyle now and in the future,” Troseth says. “Downsizing for this couple will be a positive on all fronts.”
Challenges for downsizers
For all of its appeal, downsizing in today’s market is more complicated than it was in the past. With 30-year fixed interest rates on mortgages recently approaching 8%, many younger homeowners who might otherwise upgrade to a larger home are unwilling to sell, particularly if it means giving up a mortgage with a fixed rate of 3% or less. More than 80% of consumers surveyed in September by housing finance giant Fannie Mae said they believe this is a bad time to buy a home and cited mortgage rates as the top reason for their pessimism. “This indicates to us that many homeowners are probably not eager to give up their ‘locked-in’ lower mortgage rates anytime soon,” Fannie Mae said in a statement. As a result, buyers are competing for limited stock of smaller homes, says Hannah Jones, senior economic research analyst for Realtor.com.
Here, though, many retirees have an advantage, Jones says. Rising rates have priced many younger buyers out of the market and made it more difficult for others to obtain approval for a loan. That’s not an issue for retirees who can use proceeds from the sale of their primary home to make an all-cash offer, which is often more attractive to sellers.
Retirees also have the ability to cast a wider net than younger buyers, whose choice of homes is often dictated by their jobs or a desire to live in a well-rated school district. While the U.S. median home price has soared more than 40% since the beginning of the pandemic, prices have risen more slowly in parts of the Northeast and Midwest, Jones says. “We have seen the popularity of Midwest markets grow over the last few months because out of all of the regions, the Midwest tends to be the most affordable,” she says. “You can still find affordable homes in areas that offer a lot of amenities.”
Meanwhile, selling your home may be somewhat more challenging than it was during the height of the pandemic, when potential buyers made offers on homes that weren’t even on the market. The Mortgage Bankers Association reported in October that mortgage purchase applications slowed to the lowest level since 1995, as the rapid rise in mortgage rates has pushed many potential buyers out of the market. Sales of previously owned single-family homes fell a seasonably adjusted 2% in September from August and were down 15.4% from a year earlier, according to the National Association of Realtors. “As has been the case throughout this year, limited inventory and low housing affordability continue to hamper home sales,” NAR chief economist Lawrence Yun said in a statement.
However, because of tight inventories, there’s still demand for homes of all sizes, Jones says, so if your home is well maintained and move-in ready, you shouldn’t have difficulty selling it. “The market isn’t as red-hot as it was during the pandemic, but there’s still a lot to be gained by selling now,” she says.
Other costs and considerations
If you live in an area where real estate values have soared, moving to a less expensive part of the country may seem like a logical way to lower your costs in retirement. While the median home price in the U.S. was $394,300 in September, there’s wide variation in individual markets, from $1.5 million in Santa Clara, Calif., to $237,000 in Davenport, Iowa. But before you up and move to a lower-cost locale, make sure you take inventory of your short- and long-term expenses, which could be higher than you expect.
Selling your current home, even at a significant profit, means you will incur costs, including those to update, repair and stage it, as well as a real estate agent’s commission (typically 5% to 6% of the sale price). In addition, ongoing costs for your new home will include homeowners insurance, property taxes, state and local taxes, and homeowners association or condo fees.
Nicholas Bunio, a certified financial planner in Berwyn, Pa., says one of his retired clients moved to Florida and purchased a home that was $100,000 less expensive than her home in New Jersey. Florida is also one of nine states without income tax, which makes it attractive to retirees looking to relocate. Once Bunio’s client got there, however, she discovered that she needed to spend $50,000 to install hurricane-proof windows. Worse, the only home-owners insurance she could find was through Citizens Property Insurance, the state-sponsored insurer of last resort, and she’ll pay about $8,000 a year for coverage. Her property taxes were higher than she expected, too. When it comes to lowering your cost of living after you downsize, “it’s not as simple as buying a cheaper house,” Bunio says
Before moving across the country, or even across the state, you should also research the availability of medical care. “Oftentimes, those considerations are secondary to things like proximity to family or leisure activities,” says John McGlothlin, a CFP in Austin, Texas. McGlothlin says one of his clients moved to a less expensive rural area that’s nowhere near a sizable medical facility. Although that’s not a problem now, he says, it could become a problem when they’re older.
If you use original Medicare, you won’t lose coverage if you move to another state. But if you’re enrolled in Medicare Advantage, which is offered by private insurers as an alternative to original Medicare, you may have to switch plans to avoid losing coverage. To research the availability of doctors, hospitals and nursing homes in a particular zip code, go to www.medicare.gov/care-compare.
At a time when many seniors suffer from loneliness and isolation, a sense of community matters, too. Bunio recounts the experience of a client who considered moving from Philadelphia to Phoenix after her daughter accepted a job there. The cost of living in Phoenix is lower, but the client changed her mind after visiting her daughter for a few months. “She has no friends in Phoenix,” he says. “She’s going on 61 and doesn’t want to restart life and make brand-new connections all over again.”
Time is on your side
Unlike younger home buyers, who may be under pressure to buy a place before starting a new job or enrolling their kids in school, downsizers usually have plenty of time to consider their options and research potential downsizing destinations. Once you’ve settled on a community, consider renting for a few months to get a feel for the area and a better idea of how much it will cost to live there. Bunio says some of his clients who are behind on saving for retirement or have high health care costs have sold their homes, invested the proceeds and become permanent renters. This strategy frees them from property taxes, homeowners insurance, homeowners association fees and other expenses associated with homeownership
The boom in housing values has boosted rental costs, as the shortage of affordable housing increased demand for rental properties. But thanks to the construction of new rental properties in several markets, the market has softened in recent months, according to Zumper, an online marketplace for renters and landlords. A Zumper survey conducted in October found that the median rent for a one-bedroom apartment fell 0.4% from September, the most significant monthly decline this year.
In 75 of the 100 cities Zumper surveyed, the median rent for a one-bedroom apartment was flat or down from the previous month. (For more on the advantages of renting in retirement, see “8 Great Places to Retire—for Renters,” Aug.)
Aging in place
Even if you opt to age in place, you can tap your home equity by taking out a home equity line of credit, a home equity loan or a reverse mortgage. At a time when interest rates on home equity lines of credit and loans average around 9%, a reverse mortgage may be a more appealing option for retirees. With a reverse mortgage, you can convert your home equity into a lump sum, monthly payments or a line of credit. You don’t have to make principal or interest payments on the loan for as long as you remain in the home.
To be eligible for a government-insured home equity conversion mortgage (HECM), you must be at least 62 years old and have at least 50% equity in your home, and the home must be your primary residence. The maximum payout for which you’ll qualify depends on your age (the older you are, the more you’ll be eligible to borrow), interest rates and the appraised value of your home. In 2024, the maximum you could borrow was $1,149,825.
There’s no restriction on how homeowners must spend funds from a reverse mortgage, so you can use the money for a variety of purposes, including making your home more accessible, generating additional retirement income or paying for long-term care. You can estimate the value of a reverse mortgage on your home at www.reversemortgage.org/about/reverse-mortgage-calculator.
Up-front costs for a reverse mortgage are high, including up to $6,000 in fees to the lender, 2% of the mortgage amount for mortgage insurance, and other fees. You can roll these costs into the loan, but that will reduce your proceeds. For that reason, if you’re considering a move within the next five years, it’s usually not a good idea to take out a reverse mortgage.
Another drawback: When interest rates rise, the amount of money available from a reverse mortgage declines. Unless you need the money now, it may make sense to postpone taking out a reverse mortgage until the Federal Reserve cuts short-term interest rates, which is unlikely to happen until late 2024 (unless the economy falls into recession before that). Even if interest rates decline, they aren’t expected to return to the rock-bottom levels seen over the past 15 years, according to a forecast by The Kiplinger Letter. And with inflation still a concern, big rate cuts such as those seen in response to recessions and financial crises over the past two decades are unlikely.
Note: This item first appeared in Kiplinger’s Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.
If you own a home, you probably always have a list of improvements you’re considering. Maybe you desperately want to replace those dated kitchen appliances that scream year 2000, or you want to focus on ways to lower your energy bills, whether that means some strategic air sealing or adding solar panels.
Chances are, you also want any upgrades you pay for to increase the value of your home. You want to know that if and when it comes time to sell your place, you’ll recoup a good percentage of what you invested.
So, whether you have the cash saved up for home investment or you are looking to borrow for your next home project, consider these wise investments.
1. Improve Your Attic Insulation
We get it: You’re not going to invite friends over to see your new attic insulation.But it’s one of the best ways to increase your home’s energy efficiency.
You’ll not only profit when it’s time to sell, but you’ll also see immediate savings from the ongoing energy efficiency this upgrade provides. A properly insulated attic, combined with sealing air leaks throughout your home, cuts an average of 15% off your heating and cooling costs, allowing you to pocket the savings month after month. And who doesn’t want a lower energy bill?
Cost: $600 to $1,200 for blown-in insulation for a 1,000-square-foot attic. You may also need to rent the machine that blows in the fiberglass if you’re a DIY type. If you hire a pro, labor will run about $40 to $70 an hour. 💡 Quick Tip: Before choosing a personal loan, ask about the lender’s fees: origination, prepayment, late fees, etc. SoFi personal loans come with no-fee options, and no surprises.
2. Treat Yourself to New Windows
New windows can do double duty. Not only do they update a room’s tired appearance, they can also have energy-efficiency benefits. Depending on how many windows you replace, this can be a very big-ticket item. The average cost for a vinyl window replacement is $850, and a whole-home job can ring in at $20,091, according to Remodeling magazine. (Wood windows are pricier still.)
But here’s some good news: Replacing those windows adds value to your home. Typically, to the tune of 69% of the cost of the window-replacement project.
Cost: Anywhere from $850 per vinyl window to $20,000+ for the whole house. Again, if you go for wood vs. vinyl windows or need custom size ones (or several French doors), the price can ratchet up significantly. In that case, you might want to look at home improvement loan options.
3. Build a Deck
You and likely anyone who might buy your home in the future will love what a deck can do, lifestyle-wise. Weather permitting, you can have your AM coffee there, type away on your laptop during the day, and host friends, read, or just listen to the birdsong during off-hours. Here’s another nice thing about adding a deck: Your ROI is typically around 68% of the money you pay.
Cost: A new wood deck will cost on average $16,766. A composite one can cost more; on average, these are $22,426.
Read Next: How to Create a Renovation Plan to Match Your Budget
4. Refresh Your Bathroom
Who doesn’t love a beautiful new bathroom, whether your style is sleek and all white or if you prefer a warmer country cottage vibe? A bath remodel will cost, on average, between $6,627 and $17,494, according to Angi, the home renovation site. While an updated bath can definitely add to your home’s value, keep in mind that the sky’s the limit with the price tag. If you move the fixtures around and add one of those egg-shaped soaking tubs or a spa shower that has half-a-dozen mist settings, you may go well beyond the average range of costs.
Also, keep in mind that if you do something really singular (say, you pick tile in a super-bright shade), it may be harder to get your money out if and when you sell your property.
Cost: The average cost is $11,944, with cabinets and shelving accounting for 25% of the total, the shower and tub eating up 22% of costs, and your contractor’s fees usually being about 13% of your total expense. Of course, you can do a small bathroom remodel, perhaps repainting, adding some new artwork and a fresh shower curtain. 💡 Quick Tip: Home improvement loans typically offer lower interest rates than credit cards. Consider a loan to fund your next renovation.
5. Cook up a Cooler Kitchen
If you’re stuck with outdated appliances or hideous cabinets, a kitchen remodel is likely high on your list of improvements. It’s a great way to refresh your kitchen’s style and function.
But increasing home value with a new kitchen can fry your bank account: A remodel typically runs $14,612 and $41,392 according to Angi, but can cost much more if you move appliances’ position, opt for marble countertops, or fall in love with custom cabinetry. On average, you’ll recoup about 60% in ROI.
To update for less and wow your kitchen in a weekend, make some wallet-friendly upgrades: fresh paint, a new faucet, updated lighting (pendant lights are a good choice), and new cabinet pulls.
Cost: While you could just swap out cabinet pulls, which start at about $2 each, and repaint (plan on around $200), a larger kitchen remodel averages $26,849. Again, however, it’s worth noting you could spend multiples of that, depending on how large a project, how luxe the details, and where you live (cost of living can impact the price of goods and services in your area).
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The Easy Way to Finance HGTV-Worthy Upgrades
Even budget-friendly home improvements can set you back quite a bit. If you haven’t set aside the budget to bring more value to your home, you don’t necessarily have to dip into your retirement account or pay less on your student loans each month. You might want to consider a personal loan.
Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. Checking your rate takes just a minute.
SoFi’s Personal Loan was named NerdWallet’s 2023 winner for Best Online Personal Loan overall.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
The discounts reflected in these deals may no longer be available.
If you like shopping at Walmart for convenience and low prices, you’ll find a lot to love about the Cyber Monday deals from the largest retailer in the U.S. On sale now are items for your kitchen, bathroom and wardrobe as well as entertaining helpers and plenty of gift ideas. Keep browsing sales in our guide to Target’s sale as well our big list of sale items from popular retailers and brands.
For early access to Walmart deals that start on Nov. 22, consider joining Walmart+. The paid membership will enable you to shop the retailer’s deals six hours before nonmembers—and potentially before popular products sell out (our writer’s favorite home power station is one of those deals). Members also gets free shipping, Paramount+ video streaming, savings on gas and other perks.
Home
Walmart has items for your home on sale now, from a carpet cleaner that one of our staffers recently purchased to a Lodge Dutch oven that made our best-list after extensive testing. If you’ve recently lost power at your home or want extra power when you go camping, Walmart’s price on the EcoFlow Delta is impressive. And now is definitely the time to pick up a Dyson cordless vac: These are down to near the lowest price we’ve ever seen.
THERMOS
Stainless King Travel Mug
EcoFlow
Delta Mini Portable Power Station
Dyson
V15 Detect Cordless Vacuum Cleaner
LODGE
Essential Enamel Cast Iron Dutch Oven, 5.5 QT
TaoTronics
Oscillating Tower Ceramic Heater
Frigidaire
40-lb. Freestanding Ice Maker
SIAOMO
Mesh Shower Caddy
BISSELL
Little Green Portable Carpet Cleaner
GE
LED+ Color Changing Light Bulbs
SAFAVIEH
Adirondack Lecia Geometric Area Rug, 6′ x 9′
Barbie
Barbie Dreamhouse
Greater Than Games
Spirit Island Board Game
Asmodee
Just One Party Game
Electronics
Markdowns on tech are common during Walmart’s Cyber Monday sales and this year is no exception. See great prices on trusted brands including Apple, Samsung, Sony and more. You can find additional buys in our dedicated tech deals guide.
Anker
Soundcore Space A40
Sony
WH-1000XM5 Noise Canceling Headphones
Samsung
Galaxy Tab A8 10.5″ 128GB (Wi-Fi)
BRAUN
Series 7 7091cc Flex Electric Razor, Mens
Clothes, accessories and shoes
Walmart carries many well-known fashion and apparel brands. Right now, see cozy slippers to get you through the winter and handbags. For clothing and shoes from other retailers, don’t miss our handpicked guide with the latest deals for your wardrobe.
WRANGLER
Corduroy Sherpa Trucker Jacket, Men’s
CROCS
Crocband Clog Sandal, Unisex
MICHAEL KORS
Rosemary Large Logo Shoulder Bag
VONMAY
Indoor Outdoor Slippers, Women’s
VONMAY
Indoor Outdoor Slippers, Men’s
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Looking to learn the best ways to make money while you sleep? Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours. In this article, I will show you 19…
Looking to learn the best ways to make money while you sleep?
Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours.
In this article, I will show you 19 ways to help you reach financial freedom by earning passive income, such as while you sleep.
Having different ways to make money might seem like something crazy, but with the right plan and some hard work, it can actually happen.
In fact, I earn income all the time while I am sleeping and I love it. Now, that doesn’t mean that it’s easy. Some of the ways below will be harder than others, and they may take up a lot of time still. But, you may be able to earn money throughout the day from the hard work that you put in.
Key Takeaways
There are many ways to make money while you sleep, such as by blogging, selling digital products on Etsy, renting out storage space or real estate, putting your money in a high yield savings account, earning dividends, and more.
Some are easier to start than others – so make sure to think about the pros and cons, such as how much time it may take you or how much money you will need to start (your minimum investment!).
19 Best Ways To Make Money While You Sleep
Below are 19 ways to make money while you’re asleep.
1. Blogging
My favorite way to make money while I’m sleeping is by blogging, and it is a great way to make passive income while you sleep. I have been blogging for many years now (since I started Making Sense of Cents, I’ve made more than $5,000,000 from my blog), and I am able to work and earn money while I am asleep, such as by selling digital products, display advertising, and through affiliate marketing.
This is because readers read my blog posts throughout the day and night, even when I am not working. I have blog posts and advertising on my site, for example, that earn me income throughout the day.
So, what is a blog? A blog is like the article you’re reading now, written and published on a website. It’s basically a collection of written content. You can start a blog about many different topics, such as finance (like my blog!), recipes, family, health, wellness, pets, sports, outdoors, travel, and more.
Other similar ways to make money in your sleep include starting a podcast or a social media account, such as on TikTok or Instagram.
Recommended reading: The 25 Most-Asked Blogging Questions To Get You Started Today
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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.
2. Affiliate marketing
If you want to learn how to make money overnight (such as when you’re sleeping), then my absolute favorite way is affiliate marketing.
This is one of the main ways I make money on my blog, but you don’t need a blog to do affiliate marketing either. You can do affiliate marketing on Instagram, Facebook, Pinterest, an email list, and more.
Affiliate marketing is when you share products or services from other companies with readers, subscribers, or people that you know. When someone buys through your referral link, you get a commission and earn some money from the company.
Here’s an example: Let’s say you write about a book on your blog and provide a link to it. If someone buys that book through your referral link, you get a commission.
You’ve probably bought things through affiliate marketing many, many times over the years. I definitely have!
Recommended reading: Affiliate Marketing Tips For Bloggers – Free eBook
3. Selling printables
Making and selling printables is another good way to make money without much active effort.
Printables are digital items that people can download and print at home. They can be things like games for a bridal shower, checklists for grocery shopping, planners for managing budgets, invitations, coloring pages, quotes designed to be printed and hung on walls, and more.
I buy printables all the time, and so do other people. In fact, I bought a printable the other day for my daughter – one that would help her learn the alphabet that I could print out at home for her.
Making printables can be a passive way to earn money. You only need to make one digital file for each product, and you can sell it as many times as you want. All you need is a laptop or computer and an internet connection, which makes it a low cost way to start a business.
Recommended reading: How I Make Money Selling Printables On Etsy
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.
4. Investing in real estate
Investing in real estate is a popular way to make passive cash flow while you sleep.
By purchasing rental properties, you can earn a steady flow of rental income from tenants and guests. Also, your property’s value will most likely appreciate over time, which can increase your net worth.
You can invest in residential properties, commercial real estate, short-term rentals (such as starting an Airbnb), REITs (real estate investment trusts), and more. There are pros and cons of each, so you will want to think about that before you get started.
Recommended reading:
5. Starting a YouTube channel
Starting a YouTube channel is another way to make money while you sleep. This is because you can add affiliate links to your videos, generate ad revenue, form brand sponsorships, and sell products within videos as well.
You’ll need to create videos that entertain, educate, or inform viewers, and get as many views to your videos as you can (for the most part, more page views usually does mean more income).
As your YouTube content becomes more popular, you will earn passive income from past videos while working on new content.
Recommended reading: How I Grew From 0 Subscribers To Over $100,000 On YouTube In Less Than One Year
6. Dropshipping
Dropshipping is a type of business where you sell items on an online store, but you don’t do the shipping. Instead, you have a supplier that does the shipping for you.
So, this means that you don’t need to keep any products in stock yourself.
That doesn’t mean that this is easy, though – you have to find trustworthy suppliers and make sure your customers get their orders on time. You will also need to create a website, find a way to differentiate yourself from other dropshippers, take pictures of the items you are selling, answer customer questions, and find ways to grow your store.
The types of items that you can sell in a dropshipping store include clothing, electronics, home decor, pet supplies, luggage, stationary, craft supplies, books, and more.
7. Online courses
I have made over $2,000,000 from selling courses over the years – courses that I have personally created.
Making and selling online courses is a great way to earn money at any time of the day – even while sleeping.
Some examples of courses that can be created include:
Parenting and family
Health and wellness
Woodworking
Dog training
Standardized tests preparation
Playing the guitar
Teaching a language
Traveling
Painting
Cooking
And so much more!
I have taken courses on all sorts of topics over the years, such as baby sleep classes, personal finance, credit card rewards, and so much more.
Creating an online course is one of the fastest ways to use your time, increase your earnings, and help more people.
Recommended reading: How I’ve Made Over $1,000,000 From My First Course Without a Big Launch
8. High yield savings accounts
A high yield bank account is a low-risk method to make extra cash while you sleep.
These types of savings accounts earn a higher interest rate than a regular savings account, so your money grows faster.
You will want to make sure that you pick a trustworthy bank and check the interest rates regularly because they can go up or down. Some people move their money into high yield savings accounts often so that they can get the highest interest rates.
Remember, these accounts usually over the long run have lower interest rates compared to stocks or real estate, but they give you a stable and secure way to earn money.
I personally use Marcus by Goldman Sachs as they have a very high rate. You can get up to 5.40% at the time of this writing through a referral link bonus. According to this high yield savings account calculator, if you have $10,000 saved, you could earn $540 with a high yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
9. Dividends
Buying stocks that pay dividends is another way to earn money while sleeping.
When you invest in these stocks, you get a portion of the company’s earnings on a regular basis.
Here’s how dividends work: If you have shares of a company that gives you money because you own them, that’s called a dividend. So, if you own 10 shares of Company XYZ, and they give you $5 in dividends every year, you’ll get $50 in total for that year. Usually, companies give out dividends four times a year. In the example, the $5 they give you every year will likely be divided into $1.25 for each quarter (four times a year).
Recommended reading: What Are Dividends & How Do They Work? A Beginner’s Guide
10. Rent out your garage
If you have extra land or space in your home that you’re not using, you can make money by letting other people use it for storage.
You can rent storage space for things like cars, boats, boxes, and more. This could be your garage, driveway, closet, basement, attic, or even just a shelf.
A website where you can list your storage space is Neighbor. On this site, you can make between $100 and $400 or more every month. How much you earn depends on how much people in your area want to rent and what kind of space you’re renting out.
Recommended reading: Neighbor Review: Make Money Renting Your Storage Space
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You can use this website to list your unused space for rent and make up to $15,000 per year by doing so. With Neighbor, you can rent out your garage, driveway, basement, parking lot, shed, warehouse, carport, attic, street parking, or even a closet.
11. Hosting webinars
Webinars are like online classes or workshops about specific subjects (I’ve included a list below of some examples). If you’re an expert in something, you can record a webinar and charge people to attend or sell products and services related to the topic during the webinar.
You can also record your webinars and let people watch them whenever they want, which can bring in money while you are sleeping or on vacation.
For example, you could host a webinar about:
Starting an e-commerce store – Teach participants the ins and outs of setting up and running a successful online store.
Digital marketing strategies for small businesses – You could share online marketing techniques to help businesses grow their online presence, such as tips for TikTok, Instagram, Pinterest, Google SEO, and more.
Stock market investing for beginners – You could share advice and tips for newbies in the world of stocks, mutual funds, index funds, bonds, S&P, and investment portfolios.
How to make money with affiliate marketing – You could teach the strategies behind successful affiliate marketing sites.
How to invest in fine wine – Or, any other type of investment! If there is something specialized that you invest in that is different from normal, you may be able to generate interest in your webinar.
And so much more.
12. Peer-to-peer lending
Peer-to-peer (P2P) lending is when you lend money to people or businesses who need loans, and they pay you back with interest.
Websites like LendingClub and Prosper let you spread out your money to lots of borrowers, which lowers the risk if someone can’t pay you back.
As borrowers make their payments, you get a part of the interest, which adds to your passive income streams that you can make without working.
With a peer-to-peer lending site, people can borrow money from a group of lenders like you and me, rather than from a traditional financial institution like a bank. People use peer-to-peer lending sites for all sorts of reasons such as debt consolidation, home improvement, small business financing, investment opportunities, and more.
13. Selling stock images and graphics
If you like taking pictures, you can make money in your sleep by selling stock images on websites like Shutterstock, Getty Images, or Adobe Stock.
People buy stock images for all sorts of reasons, such as to put on their website, within articles and blog posts, on social media, and more. I buy stock images all the time because they can help to make a blog post more enjoyable to read (you can find several stock images within this blog post, in fact).
A great thing about stock content websites is that they can bring in money even when you’re not actively working. You take pictures, put them on the site, and they can keep making money for a long time.
Some common types of pictures that you can sell include travel, business, people, food, animals, health, fashion, sports, and more.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
14. Start a membership site
Creating a membership site where people pay a regular fee (such as each month or each year) for special content, resources, or services is a way to make money.
Some examples of membership sites that you can start include:
Stock image library – You can sell a collection of pictures or videos that subscribers can use for their own projects (such as their own business). Subscribers pay for access to this media library. I personally have been paying for a stock photo membership for years, and I think they are amazingly helpful.
Newsletter – Send valuable and special content straight to your subscribers’ email inboxes regularly where you charge a subscription fee for access.
Mastermind groups – You can form small, focused groups of individuals who come together to support and challenge each other in achieving their goals, and you charge a membership fee for participation. I have seen mastermind groups go for anywhere from free to tens of thousands of dollars a year to participate.
Freelance job board – You can start a site where freelancers can find real job listings and opportunities. Members pay for access to these job listings because they want to find real jobs that pay (instead of having to weed through fake ads or low paying ones).
Consulting or coaching services – You can give personalized advice, coaching sessions, or access to a private community for members looking for guidance in a specific area, like life coaching or business consulting.
Fitness membership – You can create a platform with workout plans, meal plans, and wellness tips. Members pay a monthly fee for access to this content.
Digital downloads library – You can create a library of downloadable resources like ebooks, templates, or software. Subscribers gain access by becoming members.
Community forum – You could create a community around a shared interest or hobby where members can engage in discussions, ask questions, and share experiences, and you charge a fee for access.
Online courses membership – You can start a platform where you have courses on a specific subject, like photography, cooking, or digital marketing, where subscribers then pay a monthly fee to access the content.
Keep in mind, the secret to a successful membership site is giving real benefits to your subscribers. So, whether it’s great content, a helpful community, or useful resources, make sure your members feel like they’re getting what they paid for so that they keep their subscription for months and years to come.
15. Sleep studies and mattress testing
Taking part in sleep studies and mattress testing will most likely not be a long-term, reliable source of income, but it can earn you some extra money while you literally sleep.
You can find these by researching local sleep clinics or mattress companies that have paid studies or testing. Many universities also pay for sleep studies, such as the Harvard Division of Sleep Medicine.
The amount of money you can make depends on the specific study or testing, but it can be an interesting way to earn some extra money or get a free mattress for your time.
16. Vending machine business
Running a vending machine business can be a good way to make money, and you can sell different kinds of products. You may be able to earn over $1,000 a month with a well-run vending machine business.
Here are some ideas of what you can sell in a vending machine:
Snacks and drinks:
Chips
Candy
Nuts and seeds
Cookies
Soda
Bottled water
Energy drinks
Juices
Healthy and organic food:
Granola bars
Dried fruits
Nut mixes
Organic snacks
Low-calorie drinks
Hot drinks:
Coffee (regular, decaf, specialty)
Tea
Hot chocolate
Frozen treats:
Ice cream
Frozen yogurt
Popsicles
Fresh food:
Sandwiches (pre-packaged)
Salads (in sealed containers)
Fruit cups
Yogurt parfaits
Personal care and hygiene items:
Tampons and pads
Toothbrushes and toothpaste
Hand sanitizer
Makeup
Vitamins and supplements
First aid kits
Pain relievers
Electronics and accessories:
Phone chargers
Headphones
Power banks
Office and school supplies:
Notebooks
Pens and pencils
Sticky notes
USB drives
Specialized items:
Fishing bait and supplies
Beauty and skincare products
Baby items (diapers, wipes, toys, snacks)
Recommended reading: How I Make $7,000 Monthly With A Vending Machine Business
17. Amazon FBA
Amazon FBA (Fulfillment by Amazon) is where sellers store products in Amazon’s fulfillment centers, and Amazon handles customer shipping, returns, and customer service on the seller’s behalf. By using FBA, you can sell a variety of products without worrying about storing inventory or handling shipping logistics.
You would be finding the products to sell, though. Even if you have no experience selling on Amazon, you can earn money selling household goods, toys, books, electronics, and so on.
If you want to learn more about starting an Amazon business, I recommend signing up for this free training that will teach you how to sell products on Amazon and make $100 to $500 per day.
Recommended reading: How To Work From Home Selling On Amazon FBA
18. Write a book
People can buy books at any time of the day, including while you are sleeping.
Self-publishing online platforms, such as Amazon KDP (Amazon’s Kindle Direct Publishing platform), allow you to reach a broad audience without the need for a traditional publisher.
Writing your own book is a great way to make money from home, and there is probably something helpful that you could write about (even if you think otherwise!). One very popular topic right now is romance novels, in fact.
Recommended reading: How Alyssa is making $200 a DAY in book sales passively
19. Develop and sell an app
If you have technical skills, developing and selling an app can be a way to make money overnight while you are sleeping.
Creating your own app, whether it’s a helpful tool, a fun game, or something else, can help you to make passive income.
Even though it will take some work and money up front, once your app is in the app stores, it can generate revenue no matter the time.
Some ideas for apps that you could create include a budgeting tracker, meal planner, fitness tracker, meditation app, travel itinerary planner, and more.
You will want to do some research, and make sure that there are people who want to use the app that you are thinking about creating, of course. You could start brainstorming ideas by thinking about what kind of app you think could be helpful in your life to have.
Frequently Asked Questions On How To Make Money While You Sleep
Below are answers to common questions on how to make money while you sleep.
What is passive income?
Passive income is money you earn without actively working, and instead, it comes from investments, businesses, or assets that require minimal effort on your part. Now, that doesn’t mean that making passive income is easy, as you will most likely have to put in a lot of work in the beginning to get started. But, it can be well worth it to make money at any time of the day. Passive income is personally my absolute favorite way to make money.
Which businesses make income overnight? What businesses make money while you sleep?
A few businesses that can generate income even when you’re not actively working are online stores, affiliate marketing websites, and selling printables. These businesses run online, making them accessible to customers 24/7 so people can use them.
What did Warren Buffett say about making money while you sleep?
Warren Buffett, a successful investor and businessman, is quoted as saying, “If you don’t find a way to make money while you sleep, you will work until you die.” This goes to show how important it is to find ways to make money without constantly working a regular 9-to-5 job.
What is the best way to make money while you sleep? – Summary
I hope you enjoyed this article on how to make money while sleeping. As you can see, there are many full-time jobs and side hustles to make money while you sleep such as:
Blogging
Affiliate marketing
Selling printables
Investing in real estate
Starting a YouTube channel
Dropshipping
Selling online courses
Putting your money in high yield savings accounts
Dividends
Rent out your garage
Hosting webinars
Peer-to-peer lending
Selling stock images
Start a membership site
Sleep studies and mattress testing
Vending machine business
Amazon FBA
Write a book
Develop and sell an app
Do you want to learn how to make money while you sleep?
When architect Simon Storey’s clients took him to a steep lot of undeveloped land for sale in Silver Lake, he advised them to pass. Storey’s firm, Anonymous Architects, is used to building on difficult sites, but he knew this particular lot would be especially challenging.
“It’s more difficult and more time-consuming,” says Storey.
The lot lingered on the market for a few years and then the asking price dropped. That’s when Storey and his wife, Jen Holmes, decided they were willing to take on the difficult ground-up construction.
Sloped lots typically require excavation and complicated and costly foundations, and have issues ranging from erosion to drainage to landscaping. It’s not for the faint of heart.
“It’s such a huge pain. But I proved myself right: It wasn’t easy,” he says.
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Storey and Holmes bought the 2,900-square-foot lot in 2017 for $92,000 and started to plan their home. The land was not just steep — a grade of 33% — but also long and narrow. (For comparison, the steepest street in Los Angeles, Eldred Street in Highland Park, has the same slope.) The couple bought the land from entrepreneur Judd Schoenholtz, who bought the lot in a trust sale. Ironically, Schoenholtz was considering how to build on it and had looked at some of Storey’s other houses for inspiration. “Simon is probably the only one who could figure it out,” he says with a laugh.
Working within the constraints of a narrow lot was familiar to Storey, who had previously built his own home in Echo Park, a compact but elegant structure whose 960 square feet exceeded the 780-foot-lot it was built on.
Storey’s previous home, dubbed Eel’s Nest after the slender homes typical of dense neighborhoods in Japan, was a study in efficient urban living. He found ways to enlarge the space, just 15 feet wide, through the clever use of windows and skylights, high ceilings and a floating staircase that did double duty as a light well.
Storey and Holmes wanted to take the best parts of Eel’s Nest and the lessons learned from living in that space for more than a decade and apply them to this new project, which they called the Box. Once again the constraints of the lot dictated the design. “We had no choice but to go right up to maximum width and stick with it for the entire building,” explains Storey.
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The result is a long building that spans just 18 feet across and 100 feet long. Yet adding just three more feet than their previous house makes a dramatic difference. “Every inch makes an outsize difference. I don’t think of it as being a narrow building,” says Storey.
Storey wanted the house to be as utilitarian as possible. He chose a corrugated cement panel typically used for farming and industrial buildings in Europe as a siding material above the two-story concrete base.
With the structure built three feet from the property line, the couple were constrained by city code in the amount of windows allowed on the side of the building. As a result, the windows are arranged in a horizontal expanse, providing panoramic views of the hills in Silver Lake and Echo Park.
The entrance to the house is set back another five feet, allowing double-height windows that span two stories, bringing in more light. The floating staircase from Eel’s Nest makes another appearance in the Box, across from the entrance. A narrow walkway on the top floor connects the front and back of the house but allows light to filter in on both sides to the floor below. The skylight in Eel’s Nest also reappears in the Box, bringing more light into the shower in the primary bathroom.
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With a workshop sitting between the ground-floor garage and the two main stories of the house, Storey and Holmes were able to construct all of the cabinetry, millwork and even features like their stair treads on-site. “Anything made of wood we built ourselves,” says Storey.
Holmes, who works in development at LACMA but was an art student in college, found her sculpting skills came in handy. “I knew how to weld but didn’t do it for 20 years,” explains Holmes, who took a half-day welding class at Gearhead Workshops in Torrance to brush up on her skills.
In fact, much of the construction they did themselves, as a budgetary consideration but also to ensure the level of detail met their standards. Weekends, holidays and vacation days for nearly three years were spent working on the house.
The couple estimate they spent 5,500 hours working on the house, not including the hours spent on planning, designing and general contracting, and saved about $520,000 in construction costs based on pricing from comparable projects Storey has worked on.
“I’d take naps on a furniture blanket on the floor or in the car,” says Holmes, who became a regular at the nearby Whole Foods to pick up meals before they had a working kitchen. “Everyone [who works] there knows me and I know all of them.”
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Other expenses included $300,000 for the foundation, more than three times what it would have cost for a similarly sized project on a flat lot, and about $20,500 for geology consultants to survey the slope. All together the project came in at roughly $1.3 million. However, the average homeowner shouldn’t expect such a deal. Acting as his own architect, general contractor and builder helped Storey and Holmes save considerably. Additionally, every hillside lot presents its own hidden expenses — and what a house costs to build is often very different than its market value in competitive L.A.
Before they started on the cabinets, the pair worked on sealing the envelope of the house to ensure better air quality and circulation. They meticulously identified every gap in the framing stage, foaming and caulking the gaps to improve efficiency.
Once that was complete, they set about building their own window frames and cabinetry. The two handpicked all of their own lumber from Bohnhoff Lumber Co. in Vernon, a decision Storey says is key to guaranteeing high quality. “It was a cost issue but also a quality issue. There is a shocking level of inconsistency when you don’t pick it yourself.” The natural wood provides a calming contrast to the industrial materials used on the exterior.
Most of the casework is a mix of red and white oak. With construction of the house happening during the pandemic, the cost of white oak saw a precipitous rise. Storey and Holmes began to introduce red oak as an accent material, though the effect is still monochromatic. “I don’t want to live somewhere austere, but I like things that are minimal,” says Holmes.
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All of the cabinetry and woodwork is custom, designed to suit the couple’s needs. Separating the kitchen and living room is a multipurpose room-within-a-room that includes a custom pantry on one side and cabinetry to house their record collection and stereo on the other.
“Every element of the house has a function,” says Storey. The focus on utilitarian design is a carryover from Eel’s Nest. “We are squeezing as much utility into the building as possible.” Appliances, primarily Fisher & Paykel, are hidden behind custom wood panels, as are closets and bathrooms.
With four bedrooms and three bathrooms, the house was designed to be flexible enough to adapt to changing needs. Planned prior to the pandemic, Storey’s design called for his office to occupy the back of the house, with living spaces in the front. However, the office can easily be converted into a guest suite for relatives or visitors that includes a kitchenette and a private entry.
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As a passionate cook, Holmes programmed the layout of the kitchen to her specifications. The sink is placed in a central island, facing the views. “Every party I go to, people end up in the kitchen,” says Holmes. “I wanted it to be comfortable to cook in but also a place to entertain. We can have four or eight or 20 people here and it doesn’t feel too big or too small.”
While Holmes wanted the kitchen to be as functional as possible, Storey wanted the kitchen to not look like a kitchen at all. “The fridge and freezer vanish. Nothing screams ‘kitchen.’ We had competing objectives but managed to merge into a perfect solution,” he says, adding, “It’s a good allegory for marriage.”
Situated in the heart of downtown Portland, Oregon, The Duniway is a Hilton hotel that offers travelers a relatively upscale boutique hotel atmosphere in a great location.
A short walk from many of the city’s most popular attractions, venues, restaurants and coffee shops, it’s a compelling option for guests looking to book a stay at a more locally-inspired hotel in the Hilton portfolio — after all, it’s named after Portland suffragist Abigail Scott Duniway.
Location
The Duniway sits at the corner of SW Taylor Street and SW 6th Avenue in Portland.
The feel around the hotel is a distinct city vibe, with nearby urban squares, tall buildings and Metropolitan Area Express (MAX) light rail trains quietly rumbling by every so often.
Staying here, you’ll be steps from a local winery’s tasting room, a short stroll from coffee shops and restaurants and an easy walk to popular gathering spots like the Arlene Schnizter Concert Hall (0.2 miles) and the Portland Art Museum (0.3 miles).
Pioneer Courthouse Square, shown above, is just over a block away from the property.
The hotel is located on the west side of the Willamette River. If you want to reach the Oregon Convention Center, on the opposite bank, it’s a short drive.
Design elements
When you walk into The Duniway, you’ll immediately encounter the contrast of dark brown wood and leather tones accented by pops of bright color.
You can relax or work at one of the many tables or leather chairs, or make your way to the Mayrose Lounge Bar, which features coffee from local Portland coffee roasters as well as a full complement of alcoholic beverages.
You’ll find Portland and Pacific Northwest-inspired imagery throughout the property.
Accomodations
The Duniway features a relatively traditional room layout that’s been modernized with smart touches and thoughtful design.
The focal point of the room is the 65-inch television integrated into a wooden floor-to-ceiling entertainment center.
The comfortable bed is flanked by attached nightstands, on which you’ll find USB charging ports and reading lamps.
Our room also offered a windowside loveseat and tables perfect for enjoying room service or getting some work done — although you might prefer the desk for the latter.
We were upgraded to a high-floor room thanks to our reservation with Fine Hotels & Resorts (and my Hilton Gold elite status), which gave us a view of downtown Portland.
The bathroom features a white marble vanity and single-use bath products (which is becoming more of a rarity these days) from Badgley Mischka.
Though we didn’t request one, we received an accessible room assignment. As such, the room offered a roll-in shower as well as a bench and hand-held shower head.
Finally, in an upgrade from more budget-oriented hotels — one that was appreciated by this coffee enthusiast — the room features Vittoria Coffee espresso machines.
Food and beverage
Just off the lobby is the Mayrose restaurant, described by the property as an American brasserie that celebrates the progressive culture of Portland.
The restaurant has an open concept feel and, depending on the time of day, is filled with natural light.
Though we didn’t find any single dish to be especially memorable, the meal was perfectly enjoyable and the menu offers plenty of options, whether you’re hoping to sit down and make full use of a property credit like us or simply enjoy a meal without having to leave the hotel premises.
The highlight was definitely an appetizer — the seared gnocchi with pea puree and crispy prosciutto ($14).
We also found the charred brussels sprouts topped with a fried egg yolk, crispy onions and sherry vinegar ($13) to be a bit of a unique take on a dish you find at many restaurants these days.
Our bill came to $97 which, thanks to our dining credit, meant we only had to pay for the tip out of pocket.
Our AmEx booking also entitled us to a breakfast credit of $30 per person, per day.
The Mayrose was packed for breakfast and brunch and featured menu offerings like scrambled biscuit sliders ($13) and an A.M. Banh Mi sandwich ($13).
However, we decided to take advantage of a separate dining option the hotel offers: you can also use property credits and charge meals to your room at The Duniway’s sister hotel, the Hilton Portland Downtown, across the street.
There, you’ll find the restaurant Hop City in the lobby, which includes a market-style area and a sit-down dining room where you can order from an a la carte menu or visit the hot buffet.
My wife enjoyed her breakfast potatoes with an over-easy egg and aioli.
Amenities
A highlight of The Duniway is Abigail’s Hideaway, a plant-filled courtyard on the 11th floor that provides an expansive outdoor area where guests can relax and get some fresh air.
There are several sofas underneath string lights, plus heaters for those cooler Pacific Northwest evenings.
Children might enjoy the giant chess board on the patio, which is open until 10 p.m. each night.
Just inside, the gym includes a Peloton bike (like most Hilton properties in the U.S.) in addition to other exercise equipment and cardio machines.
One room over, an indoor pool offers a place to go for a swim, though there’s not much room for lounging on the rather small pool deck.
How to get there
Located in downtown Portland, travelers arriving by air will likely fly into Portland International Airport, which is about a 15-minute drive from the hotel, depending on traffic.
By rideshare, my wife’s Lyft to the airport cost around $35, though that price can, of course, fluctuate with supply and demand.
Departing later, I walked a block to catch the MAX Red Line to the airport for just $2.50. If I hadn’t run into construction delays and had to switch to a bus — which, to their credit, the hotel front desk warned me about — it would have been a pretty seamless (and inexpensive) trip.
If you’re traveling to Portland with a car or have a rental, parking at the hotel is a bit pricey, at $33 per night for self parking and $55 for valet service.
The Duniway hotel recapped
The Duniway puts guests in excellent proximity to all downtown Portland has to offer, and it offers a distinctly independent, un-corporate atmosphere — not unlike what you’d find at a Hilton Curio Collection-type property.
It also offers great value for American Express Fine Hotels & Resorts guests. Between a property credit and daily breakfast credits, my wife and I saved $220 during our two-night stay, while also getting access to complimentary premium Wi-FI and a guaranteed 4 p.m. checkout — which came in handy ahead of a red-eye flight back to the East Coast.
Terms apply.
(Top photo courtesy of Sean Cudahy)
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Tucked alongside a large dorm building on the fringes of Woodbury University’s campus in Burbank is a small but very eye-catching house. The 425-square-foot home is contained by a gently curving concrete form equipped with a generous porch and a dramatic sloping roof. Slender, carefully staggered floor-to-ceiling windows gently illuminate the interior.
It’s a nice piece of architecture. What makes it truly remarkable is who built it — and how.
The Solar Futures House, as it is formally known, was designed by Woodbury architecture students and constructed out of concrete using the latest 3-D printing technology. It is the first such permitted structure in the city of Los Angeles, according to Woodbury architecture dean Heather Flood. And it was built by Emergent, a 3-D printing construction firm based in Redding. (A quick geography explainer: While Woodbury has a Burbank address, a piece of the campus, where the house was built, is located within Los Angeles city limits — hence the L.A. permits.)
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Most notable is how quickly this project came to fruition. “It was 15 months from design, going through the permitting process with the city, working with the printing company and dealing with 14 atmospheric storms,” says Kishani De Silva, chair of the construction management program at Woodbury, who served as faculty lead on the project. “It came to life on the 12th of May. … The next day the students literally graduated.”
From design to near completion in 15 months? In bureaucratic Los Angeles, that counts as damn near miraculous.
Certainly, it helped that students were collaborating with municipal experts from the Mayor’s Office of Energy and Sustainability, the Bureau of Engineering and a nonprofit clean tech incubator at the Los Angeles Department of Water and Power — organizations that could help navigate the red tape. But at a time when our region is gripped by a housing and homelessness crisis, it is nonetheless a model worth examining.
To be clear, the house is not 100% complete — though it’s awfully close. A couple of the interior areas are still in need of drywall, and some exterior features and the landscaping remain unfinished. Moreover, the building will require a certificate of occupancy from L.A.’s Department of Building and Safety.
But it is an impressive piece of design, achieving a lot in a small space.
The layers of 3-D-printed concrete give the walls a geologic look, and the curving shape and high ceilings prevent this intimately scaled studio from feeling like a shoebox. In addition, the covered porch and the living room are connected by a sliding door; throw it open and the space feels bigger and airier.
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And, true to its name, this is a structure that prioritizes environmental concerns.
The Solar Futures House began as an entry in the Solar Decathlon, a national collegiate competition organized by the U.S. Department of Energy that encourages budding designers to create high-performance structures powered by renewable energy.
In the spring of 2022, a class of Woodbury students submitted a design proposal and was selected as one of 14 finalists, receiving a $50,000 grant for construction. By the fall of that year, the team was breaking ground.
The structure they proceeded to build was all about efficiency. Shower water is recirculated for toilet flushing. The home’s bending form and sloped roof are designed to respond to the angle of the sun over the course of the year, thereby maximizing the generation of solar power. Currently, the structure features one solar array on the roof, which makes the building net zero (meaning no additional electricity is needed to power the home). Add another and it becomes net-positive, supplying energy to the grid.
The angled roof is made out of a reflective, resin-coated metal and sits atop 9 inches of mineral wool insulation, which helps preserve the building’s interior temperatures and buffer external noise. (Woodbury’s campus sits next to the 5 freeway, but between the double-layer concrete walls, the triple-glazed windows and the insulation, the house feels peaceful.) Mineral wool insulation also functions as a fire barrier — addressing another environmental concern in California.
To mitigate the use of concrete, which is carbon-intensive, the team developed a formula that contained a higher percentage of fly ash, making it more sustainable. The precise nature of 3-D printing also means that no concrete goes to waste.
This new construction method allowed for the speedy erection of the building’s double-layer walls: De Silva estimates that printing took about three days. It also let students play with form. In a traditional stick-build structure, 90-degree angles are the most efficient way for walls to meet. But 3-D printing allows for more flexible shapes; hence the curving walls, which give the house a more organic feel. Take the bathroom: Designed to be compliant with the Americans With Disabilities Act, it is no afterthought — it’s tucked into an attractive rounded room that also includes laundry facilities.
Naturally, the DOE’s grant didn’t cover all of the costs.
Flood estimates that the budget for the house currently stands at about $250,000, including in-kind support and donated services from area firms. L.A.-based Nous Engineering pitched in on the structural work, while Breen Design Group in Torrance helped with the mechanical systems; Mitsubishi Electric donated an HVAC system and Ikea supplied furnishings.
The Solar Futures House is a significant achievement — especially considering that Woodbury is a small school (with fewer than 1,000 undergraduates) and its accredited architecture program is relatively new, established in 1994. The university serves students primarily from Southern California, many of them Latino, making it a designated Hispanic-Serving Institution. (The school plays a critical role in diversifying the field, since architecture remains overwhelmingly white.)
Two dozen students worked on the Solar Futures House over a period of two academic years, rotating in and out of the project as part of their coursework. But a number of them were able to see it through from beginning to end, including Karin Najarian and Jade Royer; Sergio Santos was able to work on the home throughout the entire final year.
The Solar Futures House soon will be habitable; university administrators are debating how it might be used. Possibilities include a guest house for visiting speakers or a residence for a housing-insecure student.
Whatever its ultimate purpose, the home will continue to function as a teaching tool. “It’s a prototype for a method of design and construction and the actual shape and form could be varied,” says Flood. “It could conform to many different site conditions. You can nest multiple units together in a way that would take advantage of structural efficiencies.” (Construction companies already have begun to create two-story structures using 3-D printing technology.)
Woodbury students will be able to take this initial concept and run with it, refining and adapting it to suit the needs of other constituencies, such as the elderly.
The house may be almost complete, but the ideas that informed it are just beginning to take off.
To learn more about the Solar Futures House, and keep up on any upcoming public events, check the project’s website at solar.woodbury.edu.