Deal alert: Bose Noise Cancelling Headphones 700 via Amazon.
I was a convert to the Apple AirPods.
I used to have a pair of Beats over-ear headphones, but once the noise-canceling AirPods Pro came out, I believed that over-ear headphones merely offered squashed ears and another big case to carry in my already full luggage.
However, after a couple of weeks of traveling, covering north of 10,000 miles with the Bose Noise Canceling Headphones 700, it became apparent that my over-ear headphone stereotypes were nothing more than total misconceptions thanks to this pair of headphones’ plethora of high-tech features.
These headphones, which regularly retail for $379, are an investment, so it’s notable that right now, the black Bose 700 headphones are at the lowest price ($299) we’ve seen from Amazon this year (as of the time of publication).
What a traveler should look for in a good pair of headphones
Let’s face it: We all love surround sound (which deepens the fidelity of audio so it sounds more natural) and noise-cancellation features that reduce external noise. But as nice as those two features are, they’re not at the top of my wish list.
Wired and wireless connectivity
As a frequent traveler, I always want to ensure that my headphones offer wired and wireless connectivity. That way, I can wirelessly use the headphones for audio on my phone or laptop or use the cord to plug them into the seatback inflight entertainment system. While this isn’t a difficult prerequisite to meet nowadays, as most headphones over $100 offer this, it’s nonnegotiable in any headphones I invest in.
Most notably, the Apple AirPods only offer a connection through Bluetooth. While some newer IFE systems offer Bluetooth audio, I have yet to see this feature on any of my flights. So, if you’re just traveling with AirPods and want to watch the movies on the screen in front of you on a plane, you’re likely stuck with the crummy inflight earbuds the airlines offer you — if they offer them at all.
Durability
I also want to make sure that my headphones are durable. When I travel, my friends and family often get a kick out of how much I squeeze into my backpack. As a result, I’m looking for a strong case that will keep the headphones safe when my 16-inch MacBook Pro is hastily jammed back into my backpack on top of my headphones after going through an airport security checkpoint.
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Painless calls
Lastly, I always look for a solid microphone that won’t pick up background audio. Let’s say your flight gets canceled and there’s a long line to get rebooked. As I shared in a recent article, getting through to an airline agent quickly is the best way to get rebooked and be on your way. When calling your airline, the last thing you want your agent to say is, “I’m sorry. I can’t hear you. There’s a lot of background noise. Please call back.” That’s why a clear microphone that doesn’t pick up background conversations or announcements is especially important for travelers.
Bose 700 features
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Here are some of the features of the Bose 700 headphones that I’ve grown to like.
Noise cancellation
When I let my tech-geek friend know I’d be reviewing the Bose 700 headphones, he told me that some of the newer Sony headphones (like the Sony WH-1000XM5) have better noise cancellation. Though I have yet to try the Sony headphones, the Bose 700 headphones’ noise cancellation impressed me.
You can change noise cancellation from 1 (minimum) to 10 (maximum) through the Bose Music app. There’s also a physical button on the side of the headphones, which can change the noise control, but more on that later.
Going for a walk on a busy street with cars driving roughly 30 mph around me, I was left hearing quiet wooshes as cars passed with the headphones on 10. On my American Airlines flight, I played some calm, quiet Spanish guitar music in the air. While I could still hear some plane noises, the headphones blocked toilets flushing and neighboring passengers talking. As we began our descent, the first time I removed the headphones, I thought to myself, “Wow, this plane is loud,” after being surprised by how much noise there was without the headphones.
The Bose Music app
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After unboxing the headphones, the instructions told me to download the Bose Music app (available on iOS and Android). After downloading the app and permitting it to access Bluetooth, I could quickly connect my headphones to my phone directly in the app. One of my favorite features of the headphones was the ability to connect to both my phone and laptop simultaneously. That way, I didn’t have to manually change the audio connection between the two.
You can also sign up for your own Bose Music login, but luckily, having a Bose Music account isn’t required to use the headphones.
From the Bose Music app, you can adjust the noise cancellation and equalizer, see tips, customize shortcuts and access many more features.
Intuitive controls
Controlling the headphones is simple with the three physical buttons (power/Bluetooth, voice assistant and noise control) and the touch-sensitive gesture pad. The headphones came with a simple-to-use guide to help you learn how to use the controls on the right ear cup:
Command
Feature
Two taps.
Play/pause music and answer or decline calls.
Swipe of finger up or down.
Volume change.
Swipe of finger left or right.
Change tracks.
Hold Bose logo.
Battery reading.
Hold Bose logo during an incoming call.
Decline the call.
While it wasn’t hard to learn these controls, they didn’t always work the first time around. For example, two taps on the right ear cup didn’t always pause my music. I also had a hard time with the noise control button. Sometimes it was hard to have the noise cancellation return to the maximum of 10, so I found myself using my phone and the Bose Music app to change many of these controls.
A sleek design with 2 color choices
In my opinion, the Bose 700 headphones are beautiful. They’re some of the most stylish headphones on the market. You have the choice of either going with luxe silver or black. When folding the headphones back into their case, each ear cup rotates 90 degrees to fit in easily. At around 9 ounces, I never felt like they were too heavy, and the cushy headband made for hours of comfortable listening.
A long-lasting battery
Bose claims that the battery will last up to 20 hours. In our tests with mixed-use (phone calls, full noise cancellation and moving the headphones from laptop to iPhone and back), the battery lasted 12 hours and 35 minutes. While that’s a far cry from 20 hours, after just 30 minutes of charging from the USB-C cord (included in the headphones), the headphones were back to 30% battery.
Bottom line
The Bose 700 headphones have unparalleled craftsmanship and quality; however, the elephant in the room is the hefty price tag, which thankfully is a bit lower than normal right now at just under $300 for the black version.
Sony has several headphones that offer great sound quality, better battery life and high-quality noise cancellation for under $200. Still, the Bose 700 headphones offer superior comfort while ticking off all the items on my lengthy headphone wishlist. I wouldn’t hesitate to recommend them to a friend.
Enjoy exclusive access to some of the best courtyards and gardens in Austin.
From the best neighborhoods to the best views, Austin has a lot to offer the energetic apartment hunter. The city is filled with beautiful apartments, but the trick is finding somewhere that truly meets all your needs.
This means thinking through what amenities matter most to you. Whether you want a resort-style pool, a state-of-the-art fitness center or even covered parking, you can find what you’re looking for in Austin. That said, you need to be sure not to forget about the outdoor space when you’re wading through the vast sea of amenities. Austin is just too beautiful to deny yourself an outdoor space you can use to hang out with those closest to you without leaving home.
To see a few hand-selected standout apartment complexes with courtyards and gardens in Austin, check out this list below. Pick your favorite spot and schedule your tour today.
Source: Rent. / Troubadour
This long strip of lawn at Troubadour is the perfect spot for some outdoor games. Grab a set of cornhole boards and make a day of fun in the sun for you and your friends. As the sun goes down, head into the outdoor TV lounge and catch a movie under the stars.
Located within the safe and comfortable Hancock neighborhood, this area is known for its great parks and spanning green space. In this bike-friendly area, with public easily accessible transportation, getting around doesn’t have to involve a car. A little to the north of the city center and the University of Texas, you’ll get a nice mix of students, young professionals and families living here.
Source: Rent. / Lantana Ridge
Get closer to nature in the on-site park at Lantana Ridge. With a paved trail for walking, running or cycling, no corner of this beautiful, 55-acre space will be left unexplored after a few months of living here.
Found in one of Austin’s larger neighborhoods, East Oak Hill is only 10 minutes from downtown. Although close to the urban center of the city, you’ll feel separated from all that living here in the hill country. With plenty of outdoor space, you can spend time exploring the Texas hills, hang out on Lady Bird Lake or even wander through Barton Creek Wilderness Park.
Source: Rent. / MAA Barton Skyway
Although you’ll find a well-maintained walking trail on the property at MAA Barton Skyway, the little oasis pictured above allows you to stop and settle into your natural surroundings. Set under the trees, among a layer of fallen leaves, a little wooden table and benches await for you to take a calming break in this bit of secluded space.
To keep up the outdoor activity, make sure you head to nearby Zilker Park. A prime feature of this Barton Hills neighborhood, the 350-acre park includes a botanical garden, a sculpture garden and a spring-fed pool.
Source: Rent. / Paloma
Enjoy a moment of zen in the minimalist courtyard at Paloma. A single, skinny bench lets you sit and take a moment to meditate alongside two companion trees. In the center of this space, a marble fountain provides a soothing soundtrack, ideal for deep contemplation.
Minutes away from great shopping, dining and entertainment, living in Northeast Austin gives you convenient access to the rest of the city as well as plenty natural resources. A quieter part of town, you’ll also find touches of suburbia with wide streets plenty of parks and an ever-evolving populous of young families.
Source Rent. / Bridge at Steiner Ranch
The garden at Bridge at Steiner Ranch is more for walking around than stopping to smell the roses. In fact, there aren’t any flowers here, just native trees and bushes, giving this area a comfortable, natural feel. The lawn is close-clipped to really highlight the other plant life, and the curved path lets you quickly do a lap or two before moving on.
Up in the hill country, this Northwest Austin neighborhood is picturesque to say the least. It’s also a great spot for outdoor enthusiasts to call home. An abundance of hiking and biking trails throughout means there’s no shortage of fresh air activities within a short drive.
Source: Rent. / Barton’s Mill
An outdoorsy vibe is what stands out at Barton’s Mill. Walking up to your apartment, for example, takes you along a path surrounded by grass, trees and manicured bushes. It’s like walking through a little park or garden, something that should put you in a good mood whether you’re leaving for the day or getting back home after a long day out and about.
Outdoor recreation is a favorite pastime of many Austinites, so living in South Lawn is great because of the easy access to the outdoors. Throughout this neighborhood, you’ll find opportunities to hike, bike and even hop into a canoe. It’s a great place to call home to make those sunny days count in this great city.
Source: Rent. / Camden Stoneleigh
The courtyard at Camden Stoneleigh feels like a garden thanks to the circle of trees and vibrant green lawn. Gnarled branches lean in all directions, giving this space a mystical feel, combining tasteful hardscaping with small plants along the border. Take the path, walk right through or weave between the trees for a little solo time in nature.
Yet another popular part of Austin, living in Southwest Austin gives you the best of both worlds. You’re close to the downtown area and all its fun, but you still have plenty of parks, shopping and green space to enjoy close to home. There are a few lakes to utilize for a dip or a boat ride as well, which comes in handy when summer temperatures soar.
Source: Rent. / Sonterra
The garden at Sonterra welcomes you in with a special message, “Plant dreams, pull weeds and grow a happy life.” This sweet sentiment makes this lush space all the more special. Take a walk around to get closer to the trees and other greenery or sit on one of the stone benches for a quiet moment. Between the wide variety of plant life and the stacked rock borders, you’ll fall in love with this tranquil space in no time.
This Northwest Austin community provides an element of seclusion thanks to its heavily-wooded surroundings which extend into the greenbelt. You’re also very close to Lake Travis and Volente Beach, which sits along four acres of the lake.
Source: Rent. / The Park at Wells Branch
Nice decking and red wooden benches set the courtyard at The Park at Wells Branch apart. This is also where you’ll find the charcoal grill and umbrella-covered picnic table for when it’s time to whip up a meal alfresco. Surrounded by a short wall of shrubbery and mature trees with leaning branches, this is the ideal spot for a Saturday barbecue.
A tranquil Austin community, living here can also make your daily commute very easy. It’s close to some of the local major employers like IBM and Amazon. Other amenities within this eco-friendly community include a pool and hot tub, playground and basketball court. There are also nearby trails for hiking and biking to keep those active vibes going.
Source: Rent. / The Social
A minimalist approach to greenery doesn’t make the garden path any less peaceful at The Social. Iron gateways spice up an otherwise basic sidewalk, giving it a fun look. Cacti and other desert-friendly greenery sit low to the ground, while pruned bushes and trees rise up to near-eye level.
For a real taste of Austin suburbia, you’d do well to call any community in Parker Lane home. This chill neighborhood is primarily residential, so you may have to drive a little to head out for the night, but you do have an excellent bit of greenery all around. Mabel Davis District Park is here. It takes up 50 acres in the center of the neighborhood and contains a playground, an Olympic-sized swimming pool and a skate park. There’s also a covered picnic area and basketball courts.
Find an apartment with one of the best gardens in Austin
Don’t forget to consider amenities as you decide what your ideal Austin apartment looks like and start uncovering all the secrets this great city has to offer. Having all the right features — and a great outdoor space — will give you a winning combination to call home no matter what part of the city speaks to you the most.
Are you pondering over the idea of moving to Santa Barbara? Let this Redfin article be your insider guide, unveiling the secrets of this picturesque coastal haven, as shared by its vibrant residents. This isn’t your typical city guide; it’s a treasury of local insights, revealing everything from exceptional dining experiences and enchanting bookstores to lush hiking trails and historic hotels.
As you search for apartments for rent or homes for sale in Santa Barbara, remember that this city offers more than just a place to live—it’s a gateway to a community brimming with adventure and exploration. Join us as we delve into the unique experiences and treasures that await you in this picturesque paradise.
1. Have a biodynamic glass of wine at Satellite
If you’re searching for the perfect blend of vegetarian plates and wine, Jill Ettinger, co-founder and editorial director of Ethos, recommends Satellite. “There, you’ll find organic, local produce, and biodynamic wine for a meal that doesn’t disappoint.” Ettinger also suggests trying the vegan mac and cheese, stuffed tacos, or yoga pants salad–and be sure to grab a bottle of their 2020 Sylvain Pataille Aligoté Burgundy as a memento.
2. Grab a craft beer at Night Lizard Brewing Company
Beer enthusiasts, rejoice! Shannon Fennell suggests Night Lizard Brewing Company to “discover a diverse range of handcrafted beers, from hoppy IPAs to smooth stouts, each crafted with passion, sustainability, and precision.” And you don’t have to be a beer aficionado to enjoy all this local brewery has to offer; all are welcome.
3. Enjoy a delicious cup of coffee at Handlebar Coffee
Tristan Tracy with Tristan Tracy Photography recommends Handlebar Coffee. “It’s the best cup of coffee in the Santa Barbara area,” says Tracy. From competitive cycling to multiple storefronts, Handlebar Coffee roasts quality beans daily.
4. Join the Taste Santa Barbara Food Tour
If you’re looking for an all-in-one experience, Tristan Tracy also suggests checking out the Taste Santa Barbara Food Tour. “The owner is a blast, and the food is amazing. You’ll eat the best of downtown Santa Barbara and learn about this town’s history.”
5. Spend the afternoon at Chauncer’s Bookstore
Author and freelance writer Audry Fryer recommends a hidden gem for book lovers, Chaucer’s Bookstore. Fryer describes the store as a, “cute independent bookstore with a cozy atmosphere, friendly and knowledgeable staff, and an extensive collection of varying genres.” You can even find a selection of journals, puzzles, games, and magazines. There is truly something for everyone.
6. Go on a beachfront pottery date
If you’re searching for a fun, creative, and romantic date, look no further than Sarah Klapps’s two-hour “Clay Date.” Klapp offers private pottery lessons for two in her beachside art studio where “guests will learn how to make pottery on the wheel and take home their finished work.” All materials are included; bring yourself and someone special for an enjoyable experience.
7. Stroll through the Santa Barbara Botanic Garden
With over a thousand species of plants, Shannon Fennel recommends exploring the Santa Barbara Botanic Garden. “Explore winding trails that lead you through lush landscapes, vibrant wildflowers, and fragrant gardens, igniting your senses along the way,” says Fennel. If you’re searching to spend the day captivated by the beauty of wandering through California’s native plants, this is the perfect place.
8. Spend the day at Alameda Park
If your children are eager for a day of entertainment, look no further than Kid’s World at Alameda Park.”This 8,000 sqft playground is just one of the amazing sections at Alameda Park and is home to beautiful trees and also boasts a great way to spend a morning in Santa Barbara,” says Tristan Tracy.
9. Experience luxury at the Rosewood Miramar Hotel
Whether you’re briefly in town searching for your next home or have family visiting after you’ve settled, Tracy also recommends a stay at Rosewood Miramar Hotel just outside of Santa Barbara city limits. “This historic property was recently rebuilt into a glamorous and lavish estate hotel.” Tracy shares how she’s often captivated by the fantastic boardwalk views, cocktails, and guest service–claiming that “it really is the whole experience of the highest-end hotel in Montecito.”
When your stomach is grumbling, you may not feel inclined to debate dining plans. But if you are new to a city or have found an apartment in a different part of town, you might not know just where to indulge your taste buds.
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Why not hop on the Internet and check out the food scene in your town with online guides and apps, like these fabulous foodie finders?
Yelp Yelp is a great go-to site when you are looking for reviews of even the tiniest of eateries. This foodie-friendly review site is driven by communities of locals who write the entries, chiming in with their 2 cents. You can search by cuisine, neighborhood or ranking, and get insider info about whether the restaurant has unique features like large group seating or TVs in the lounge. Yelp is also tied in with our next good-eats guide, OpenTable, so you can make reservations on the spot.
Read more: How to Dine Like a Professional Foodie (and Not Spend a Fortune!)
OpenTable OpenTable makes it really easy to make a reservation at a restaurant. In fact, this digital dining tool started out primarily as a reservations service. As the user base grew, however — and more restaurants began depending on the site to handle online reservations — restaurant reviews were also added. Now you can search for an open table on Friday night, for instance, and feast your eyes on the latest comments about the cuisine.
The other cool feature about this site is that you can earn dining rewards points for booking your reservations online. After racking up enough points, you’ll earn gift certificates to use at participating OpenTable restaurants.
Urbanspoon Like many of these online tools for finding food reviews, Urbanspoon helps you focus on locally-ranked neighborhood restaurants organized by cuisine or neighborhood. They also provide specific lists in categories like the “Talk of the Town” and “Kid Friendly” to help you navigate the food scene in your city. One of the neatest tricks that Urbanspoon serves up is an app which allows you to search nearby neighborhoods so you can consider restaurants most convenient to you.
No idea what you’re in the mood for? Take a gamble with their fun slot machine widget!
Zagat If you are really into ratings, then Zagat is a great destination for you to make dining decisions. These guides were around well before the Internet, spotlighting the finest dining in major cities. Zagat surveys its members about their favorite restaurant picks, then uses those results to create their well-respected ratings. Zagat also has a food-tastic blog written by in-the-know gourmands from around the country.
Read more: Table for One: How to Dine Alone (and Love It!)
GrubHub Sometimes going out to dinner can be a drag. Not to worry: now, you can explore the local food scene without leaving your house.
GrubHub is the newest player in food pickup and delivery. Just tell them where you live and what you want to eat. GrubHub will do the work to find you a nearby restaurant that delivers or has easy pick-up options. You can order online or by phone, then track your order with their mobile app or text updates. Finding food has never been so easy!
Dig in to your next food search with these awesome online food guides. And for the most up-to-date local foodie information, stay on the lookout for dining guides featured in your city’s digital publications.
On a budget? Read more about Cooking Smart for One!
A covered call ETF is an exchange-traded fund that provides investors with additional income by writing options on the securities the ETF holds. These actively-managed ETFs offer investors the benefits of writing call options on stocks, without them having to participate in the options market directly.
The upside is that investors take on less risk and potentially earn income in the form of options contract premiums on top of dividends. The downside is that potential upside profits will be capped because the call options will have to be exercised once the underlying security reaches a certain strike price (one of many options trading terms to know), at which point the shares will be called away from the shareholder.
Basics of the Covered Call Strategy
Covered calls involve buying shares of a stock and then writing call options contracts on some of those shares. A covered call could also be referred to as “call writing” or “writing a call option” on a security.
Other investors can then purchase the call option contract. They pay a small fee to the call writer, known as a premium, for doing so. The contract gives a buyer of the option the right, but not the obligation, to buy shares at a specific price on or before a specified date.
In the case of call options, when the share price of the underlying security rises above the strike price, an option holder can choose to exercise the option, at which point the stock will be called away from the person who wrote the call option.
The option holder then receives shares at a cost lower than current market value. Their profits will equal the difference between the option strike price and where the stock is currently trading minus the premium paid. The higher the stock price rises before the expiry date, the greater the profit for the person holding the call option.
Because the call option writer receives income on the deal in the form of a premium, they want the stock price to either stay flat, fall, or rise only slightly. If the stock rises beyond the strike price of the option, then they’ll receive the premium, but their shares will be called away. The option writer will have a gain or loss depending on the difference of the exercise price and the purchase price of the stock and the premium received.
On the other hand, if the stock doesn’t reach the strike price of the option, then the writer keeps both the premium and the shares. They’re then free to repeat the process as many times as they wish.
What Is a Covered Call ETF?
A covered call ETF is an actively-managed exchange-traded fund (ETF) that buys a set of stocks and writes call options on them — engaging in the call-writing process as much as possible in order to maximize returns for investors.
By investing in a covered call ETF, investors have the opportunity to benefit from covered calls without directly participating in the options market on their own. The fund takes care of the covered calls for them.
The ETF covered call strategy usually involves writing short-term (under two-month expiry) calls that are out-of-the-money (OTM), meaning the security’s price is below a call option’s strike price. Using shorter-term options allows investors to take advantage of rapid time decay.
Options like these also serve to create a balance between earning high amounts of premium payments while increasing the odds that the contracts will expire OTM (which, for covered call writers, is a positive outcome).
Writing options OTM serves to make sure that investors can benefit from some amount of the upward price potential of the underlying securities.
When to Buy a Covered Call ETF
It may be a good time to buy a covered call ETF when most of the securities held by the ETF are expected to trade sideways or go down slightly for some time. Beyond that, any time is a good time for investors who find the strategy appealing, want to take the chance of gaining extra income for their portfolios, and don’t mind missing out on outsized gains if the market rips higher.
Covered call ETFs might also be attractive to people nearing retirement, people who are generally more risk-averse, or anyone looking to add some additional income to their portfolio without having to learn how to write and trade options.
If an investor were considering ETFs vs. index funds, they might choose an ETF for the reason that the fund might employ creative strategies like covered calls, whereas index funds merely try to track an index.
When Not to Buy a Covered Call ETF
The one time when it may be advisable not to buy a covered call ETF might be when stocks are generally rising and making new record highs on a regular basis. This is a scenario where covered call ETFs would underperform the rest of the market.
If the underlying securities rise only slightly, and do not exceed the strike prices set for the covered calls, then these ETFs should also perform well. It’s only when stocks rise to the point that the shares get called away from the fund that the fund will almost certainly underperform compared to holding shares directly.
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Pros and Cons of a Covered Call ETF
The main benefits that come from taking advantage of an ETF covered call strategy are reduced risk and increased income.
Pros of a Covered Call ETF
Overall, a covered call ETF has largely the same risk profile as holding the underlying securities would. But some investors see these ETFs as less risky than holding individual stocks because the ETF should, in theory, do as well or slightly better than the market in most situations. (The one exception would be during extended, strong bull markets.)
But while covered call ETFs reduce the risk associated with owning a lot of shares while also providing additional income, hedging against downside risk would best be accomplished by using put options.
Cons of a Covered Call ETF
Covered call ETFs are actively managed, which means they tend to have higher expense ratios than passively managed ETFs that track an index. But the extra income may potentially offset that cost.
The Takeaway
A covered call ETF is an actively managed exchange-traded fund that offers investors the benefits of writing call options on stocks, without them having to participate directly in the options market. For investors looking for a simpler approach, this may be beneficial. Covered call ETFs also have two primary benefits in reduced risk and increased income.
That’s not to say that they don’t have downsides, too. Notably, they tend to be actively-managed, which generally means they have higher associated fees. Again, all of this should be taken into consideration before folding any type of security into an investment strategy.
Ready to invest in your goals? It’s easy to get started when you open an Active Invest account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).
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Family travel is a whole other ballgame. The strategy, gear, planning, expectations and number of times you may answer “Are we there yet?” make it an entirely different sport than solo or adults-only trips.
While traveling with kids is arguably quite different than taking a trip without a child (notice we didn’t call it a “vacation” with kids), it doesn’t have to be intimidating. In fact, there are countless ways to experience memorable moments and make lifelong memories with your kids, whether you hike the mountains of Machu Picchu or ride the newest coaster at Disney World.
Related: TPG’s 10 top family vacation destinations
To make the journey a little easier, we’ve compiled our 43 favorite family travel tips. Whether you’re traveling with infants, teens or some of both, these tried-and-true tips are bound to ease travel headaches and ensure your family travels are as fun and carefree as possible.
Travel tips for infants and toddlers
Having a baby does not mean the end of your time as a traveler. It may cause you to temporarily pause your adventures, and it will certainly change how you travel. But traveling with a baby is still worth the effort.
While it’s true that your baby may not remember the details of your trips during the first few years, quality time together is invaluable. You will always remember their first big vacations.
Some travel is often easier with a small, snuggly baby than with a growing, active toddler, so don’t be afraid to plan something while your little one is still young.
Use the right travel stroller
If you plan on traveling with a stroller, you want one that is lightweight and easy to maneuver through the airport or rough terrain, if necessary, once you reach your destination.
Related: These are the 13 best travel strollers for your next trip
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If you choose to gate-check your stroller, foldability isn’t as important. Instead, prioritize protecting your stroller from dirt and damage by investing in a stroller with a bag. For long layovers, you can request to have your gate-checked stroller delivered to you between flights so that your baby has a safe and comfortable place to rest while you navigate the airport. Just ask the gate agent when you check your stroller.
Baby-wear
To keep your hands free and your baby snuggled, you may choose to baby-wear through the airport or on a flight (though most airlines don’t allow it during takeoff and landing).
The Transportation Security Administration rules state that infants may be carried in a sling or carrier while going through the walk-through metal detector, so you shouldn’t have to remove them for security — at least, according to the rules.
If it’s not too hot, baby carriers and slings also come in handy at theme parks, which allow baby-wearing on many family-friendly attractions. Just be sure you ask about safety restrictions before you ride.
Breastfeeding mamas should consider carriers that allow easy access for on-the-go nursing, such as those in sling or wrap styles.
Consider a Doona
If you don’t want to lug both a car seat and a stroller and your baby weighs between 4 and 35 pounds, you’re in luck: The Doona can serve the function of both. It transforms very easily from a stroller to a car seat and back again, all while your baby is strapped in.
Because of their convenience, Doonas are great for flights, cab rides, Uber rides and, frankly, any part of your busy life with a baby.
Think twice about flying with a lap infant
Most airlines allow children younger than 2 to fly as lap infants instead of purchasing separate seats for them.
The cost savings can be hard to pass up, and during those early months when the little one is nursing or sleeping a lot, it can be the easiest way to go. However, if your baby is fussy or you are flying solo, you may feel more comfortable keeping them in their car seat. If they can sleep through anything or you have someone you can split baby-care duties with, you may have more success flying with a lap infant.
If you do purchase a seat for your baby, there are dozens of portable car seats out there that are much easier to travel with than the bulky car seat you may have at home.
Get a car seat just for travel
The Cosco Scenera is a perennial favorite when it comes to travel car seats. At around 10 pounds and only $50 to $60, this car seat is a winner for travel when you need something easy and affordable. It’s rated for rear-facing little ones weighing between 5 and 40 pounds or forward-facing kiddos weighing 22 to 40 pounds.
Another model to consider is the WAYB Pico portable car seat, which was recommended by several TPG readers.
Use a car seat on the plane
Every kid is different, but if your little one sleeps well in a car seat in the car, they may do the same on a plane. If your kids are generally comfortable in car seats and have their own seat assignments on the plane, consider bringing the car seat on board for a secure flight experience.
Related: Car seats that are airline approved
Bring a Boppy pillow if you’re holding an infant
TPG’s senior director of engineering Mitchell Stoutin recommended using a Boppy nursing pillow for long flights with an infant. In addition to being handy for nursing, it gives your baby a comfortable place to rest. He also advised stashing your Boppy in a vacuum Ziploc bag to save space when not in use.
Sign your kids up for frequent flyer programs
Once you make the transition to buying your child a seat — either because they turn 2 or because you think having a separate seat will work best for your family — sign them up for a frequent flyer account and let the miles start rolling in.
No minimum age requirements exist for kids, so enroll them while they’re young to maximize their earnings.
Related: Earning frequent flyer miles for your kids just got a little easier
Board last
Most airlines let families with young children board early in the process, but as long as your family has assigned seats, you don’t need to worry about rushing to board before others.
Instead, have one parent get all the gear ready and board first while the other waits as long as possible before bringing the baby on board. This will help minimize the amount of time you have your little one in tight quarters, reducing the likelihood of a meltdown or further disrupting their schedule.
Pack your carry-on strategically
Think about everything you may need to easily access for yourself and your baby before organizing your carry-on. That way, you don’t forget any of your must-have items or struggle to find them while on board.
Consider packing food, diapers and extra outfits for at least twice as long as you think you’ll need them for your little one while in transit. Don’t forget to also bring clothes, snacks and drinks for yourself so you have everything you need.
As a general rule of thumb, it’s a good idea to have enough essentials to survive at least 24 hours off of what you bring on board, as you never know what is going to happen.
Bring large Ziploc bags and black trash sacks
Avoid packing a suitcase without tossing in a few Ziploc bags, grocery bags or trash bags. They can be used to stash snacks and store wet or dirty clothing.
As TPG executive editor Scott Mayerowitz shared, large black garbage bags can also work as blackout shades in a pinch.
Related: The best family beach vacation destinations to kick off summer
Find a space in your hotel for the baby to sleep
In the best-case scenario, you’ll have accommodations with at least two bedrooms so your baby has a dark, quiet place to sleep while you relax without disturbing them. However, there are times when having multiple rooms isn’t possible.
If you only have one bedroom, try putting a crib in a hotel closet or bathroom to achieve the same result.
Travel with gear that will help your baby sleep in the hotel
When it’s time for the baby to sleep, there are numerous sleep tents, shades and white noise machines to choose from. Here are a few of our most trusted options:
You don’t always need to buy new gear for a successful trip, though. One reader suggested using painter’s tape to cover outlets as a quick, cost-effective way to baby-proof your hotel room.
Related: These are the best New York City hotels for families to check out
Have diapers and essentials shipped to your final destination
While you need plenty on hand for that first day or two, you can purchase what you need from Amazon and have it shipped directly to your destination instead of traveling with an entire week’s worth of needed items like diapers and wipes.
Alternatively, you can use a service like Shipt or Instacart to have essentials delivered to your hotel or home rental after you arrive.
Pack the snacks
This is true for all ages but especially applies when traveling with infants.
Don’t ever assume anything baby-appropriate will be available while you are in transit. The last thing you want is the stress of scrambling to find what you need at the last minute.
To avoid this potential headache, pack enough formula, snacks and more so you have whatever your little one may need to stay happy and content.
Related: How to pack — and prepare — for travel with a baby
Travel tips for preschoolers
The good news is that when kids are old enough for preschool, they don’t need quite as much sleeping and transportation gear.
With preschoolers, you’ll want to pay particular attention to toys and activities that will keep them entertained, night lights that will help keep the “scaries” away and a few other important travel essentials.
Bring mess-free toys
When choosing toys to pack for a flight or road trip, keep in mind that you don’t want anything that will create a mess or get lost easily, such as Legos or slime.
For mess-free coloring, we love Crayola Color Wonder Markers and coloring pages. If you’re taking a long flight or road trip, consider suction toys that can stick to a car or airplane window.
Related: 14 mistakes parents make when traveling with kids
Pack hidden toys to reveal during your trip
A surefire way to keep your child content for extended periods of time is to hide some toys until your travel day arrives so they feel new and exciting. You can even wrap them up or dole them out periodically throughout your trip — we recommend packing one toy for each hour of a flight — to add an element of surprise.
Try visiting a dollar store or dollar aisle in a store to dial up the surprise factor. Trust us, the $5 investment will pay off in spades.
Related: Your guide to flying with kids of every age
Consider an inflatable booster seat
If your child has graduated to a booster seat (congrats!), there are inflatable and fold-flat booster seats available that are easier to haul when traveling by car.
While there are several options currently on the market, the BubbleBum inflatable booster seat is a TPG reader favorite.
Use a stroller
Should you find yourself covering lots of miles on your trip, having a stroller can come in handy, even if you don’t normally use one at home.
For example, at a large theme park like Disney World, you may find yourself needing a stroller until your kid is 6, 7 or even 8 years old if you are moving quickly and want them to easily keep up (or if you know they will fall asleep before you are ready to call it a night). This may mean renting one when you get there, though you may prefer to have your own if you’re doing more than spending time at Disney.
Get stroller straps
Because it isn’t socially acceptable to AirTag children (though they do come in handy for finding lost luggage), we instead suggest getting stroller straps that bigger kids can hold on to while you push younger children in the stroller. We’re particularly fond of the Tagalong Stroller Accessory.
Preschedule car service from the airport
If you need car seats or want to be sure you have a ride waiting for you when you land, Uber and Lyft now both have options for prescheduling a ride if you need one.
While the best service depends on where you are going, one option to try is Blacklane. Consider having your driver meet you inside at baggage claim if you’re traveling with a lot of gear.
Pack a night light
For kids who are afraid of the dark, night lights may come in handy. This affordable nightlight is small, sleek and easy to pack.
If you are going on a cruise and don’t have access to traditional power outlets, TPG senior travel editor Erica Silverstein suggests bringing along battery-operated tea lights instead.
Travel somewhere with a kids club
A magical milestone in travel is when your child turns 3 and is potty trained, as this unlocks access to a variety of kids clubs.
Whether you’re on a Disney cruise (like the new Disney Wish cruise ship, pictured below) or at a resort with a kids club (some of which are free to use), children’s clubs are great for preschoolers.
By going somewhere that caters to younger children, you’ll be able to get a well-deserved break while the kiddos are taken care of.
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Plan down days and afternoon rest
Even if your preschooler has dropped daily naps at home, it’s still smart to build some downtime into your vacation schedule. This is especially important because it’s likely that their sleep schedule will be a little off while you’re traveling and that your vacation will be more action-packed than what they’re used to at home.
To help your overtired kid adjust, plan a relaxing pool day or take an afternoon break in your hotel room to keep crankiness at bay.
Travel tips for elementary-age kids
As kids get older, they can do more while on vacation with less help, but the tried-and-true tricks for keeping them entertained may no longer work.
Because their brains are developing and becoming more complex, elementary-age kids will need to have access to more activities while they’re away from home. As a result, you’ll need to adjust your strategy for vacations so they continue to have a good time.
Use packing cubes for the family
This tip applies to all age groups but can be especially helpful when your child starts taking more of an interest in choosing their own clothes. By relying on packing cubes, you can keep clothing for every member of your family organized while saving space.
If you decide to use packing cubes, there are a couple of good methods to choose from.
You can have a packing cube for each day of your trip and put your family’s clothing for each day in one cube. This works well if you will be making multiple stops and don’t want to pack and unpack everything.
You could also pack each family member’s clothing in a separate packing cube, which is helpful when you are encouraging kids to get dressed on their own and choose their own outfits.
Leave 1 day free in the schedule
We’ve already covered the importance of leaving some flex time in the afternoons, but if you are traveling for more than a long weekend, we highly recommend leaving an entire day unscheduled. That way, the kids can either rest and chill or you have the ability to say yes to something they spot along the way.
Depending on your child’s interests, you may want to use your free day for activities like splashing around at a water park, checking out some animals at a zoo, enjoying an epic ice cream-tasting adventure or spending more time at the kids club.
The key is to leave this day flexible so you can cater some activities to what your kid is enjoying the most.
Take advantage of your hotel’s club lounge
Club access can be invaluable when traveling with kids.
If you stay in a club-level room at a hotel, you’ll often have daily access to breakfast, snacks and drinks. An added bonus is that the club can serve as a gathering spot for enjoying more time (and often gorgeous views) with them.
Related: Can you use a World of Hyatt club lounge access award for someone else?
Plan trips with another family
This is the age where having other kids around really starts to matter.
If at all possible, try planning the trip to at least overlap with time spent with cousins or friends. Doing so will virtually guarantee the kids will have a better time, which means you will, too.
For these types of trips, you may want to look into finding a good vacation home rental.
Related: Why the best big family vacation may be skiing
Travel tips for tweens and teens
Traveling with tweens and teens is completely different than traveling with younger kids — something you probably know all too well if you are currently living with them.
At this age, kids are well on their way toward becoming full-fledged adults. As a result, they deserve a taste of the space, privacy and independence that comes along with adulthood.
Build an activity bag
It’s easy to assume the phone will do the trick, but TPG editor Kristy Tolley is a proponent of custom activity bags to keep kids (including older ones) occupied on long trips.
For your activity bag, consider anything from snacks to quiet toys to new games for their Nintendo Switch to art supplies — whatever will keep them entertained while you get to your final destination.
Double-check downloaded content
Wi-Fi on airplanes can be quite finicky. Even if you pay for it, there’s never a guarantee it’ll work for the entirety of your flight. Because of this, download movies, music, games and more to your device (or your child’s) before your trip.
When downloading movies or TV shows, turn to multiple sources like Netflix, Disney+ and Apple. That way, if you run into issues with one provider, you still have content from the others.
Also, remember that messaging others is free on many flights, so be sure your teen has the airline app downloaded if you want them to be able to keep using services such as iMessage while in the air.
Enroll your child in TSA PreCheck
Until they turn 13, kids traveling with a parent or guardian with TSA PreCheck will be allowed to go through the expedited security line even if they themselves don’t have TSA PreCheck.
Even after they turn 13, kids 17 and younger can typically use the TSA PreCheck lines with their parent or guardian as long as the teen has the indicator on their boarding pass.
If you have a credit card that reimburses fees for TSA PreCheck, you can recoup the cost of your child’s application. Note that Clear continues to work to bring kids through until they turn 18.
Related: Why you should get TSA PreCheck and Clear — and how you can save on both
Consider connecting rooms
The days of squeezing two or three kids into one queen-size bed are probably long gone once they reach their teenage years. Not to mention, trying to have the whole family use one bathroom is an ordeal you likely won’t want to go through.
To keep the peace, consider reserving connecting hotel rooms.
With connecting rooms, you’ll have double the beds, bathrooms and storage space. Plus, teens and tweens will have the space and privacy they need without you being too far away to keep an eye on them.
Related: Big news for families: Hilton to guarantee adjoining rooms with ‘Confirmed Connecting Rooms’
Let kids choose a few activities (or plan the whole day)
At this age, kids are not just along for the ride. Give them some input (and independence) by allowing them to help plan your trip. Odds are they’ll be more engaged by being involved in the planning.
Bring a friend
While planning trips with other families is a good strategy with elementary-age kids, by the time kids are teens, just bringing along one of their friends could be sufficient.
To keep the costs down, consider using an airline companion certificate to bring along that friend without spending extra.
Go somewhere with a teens club
If you are visiting a resort or destination where you may be going light on activities, lean into places that have a space just for teens.
Cruise ships are fantastic when it comes to this, as they often have kid-focused spaces divided into pretty distinct age ranges. For example, Disney Cruise Line has a club for kids ages 3 to 12, another for those between 11 and 14 and then one for teens ages 14 to 17.
By taking advantage of clubs that are broken up into designated age groups, your teen can have plenty of fun without the annoyance of hanging out with younger kids.
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Related: Child turning 18? Here’s everything you need to know before the next time they travel
General family travel tips
Some family travel tips transcend age groups.
Regardless of how old your kids are, where you’re traveling or how you’re getting to your vacation destination, there are a few tips you’ll always want to keep top of mind.
Utilize airport lounges
Airport lounges are becoming more and more kid-friendly, as they offer dedicated family rooms with toys and kids shows on TV, plus food that will please picky eaters. Additionally, if you have a long layover or are dealing with flight delays or cancellations, you’ll be much more comfortable waiting in a lounge instead of at your gate.
You can purchase a day pass to many lounges but may be able to get yourself and your family in for free with certain credit cards or airline status. For example, The Platinum Card® from American Express grants the cardmember and one guest complimentary access to Priority Pass lounges and access to Centurion and Escape lounges, though complimentary guest access depends on how much you spend annually.
Related: Best credit cards for airport lounge access
Upgrade to a suite
Similar to springing for connecting rooms, upgrading to a suite will buy you additional space and, sometimes, a pullout sofa that adds another sleeping option.
You’ll also have more room for your family’s belongings and areas for relaxing and dining so your kids don’t spend all their time jumping, eating and lounging on the beds.
Check for reciprocal zoo and museum memberships
If you have a membership to your local zoo or museum, you may be able to use reciprocal benefits for free or discounted entry to other zoos and museums that you can visit on vacation.
This information is usually available on your zoo or museum’s website, but you can also check lists on the Association of Zoos & Aquariums’ page about reciprocal admissions or on the North American Reciprocal Museum Association website.
Get a travel tracker that doubles as a memento
There are so many unique travel souvenirs you can get that also serve as keepsakes for remembering your child’s travel “firsts.”
These Junior Frequent Flyer flight logbooks allow you to record your child’s flights while teaching them about aviation.
If a national park visit is in your future, order a standard or junior National Parks Passport and collect stamps every time you visit a new park.
Don’t forget important medicines
When you are away from home, you have to be prepared for anything. That includes unexpected sicknesses and accidents.
Pack kid-safe and grown-up medicines, as well as Band-Aids, antibiotic ointment and other first-aid necessities in your carry-on bag so you won’t be without them if your checked luggage is delayed or lost.
Bring an extra bag
If you are traveling between a cold climate and a hot one, pack a lightweight tote bag that can fold into your carry-on so you can easily gather up everyone’s coats once on the plane. By keeping this tote tucked away until you’re on board the aircraft, you’ll enjoy an extra allowed bag, saving you the headache of trying to determine where to put bulky coats.
Get Global Entry for each family member
Unlike TSA PreCheck, which allows kids to travel with an eligible adult until they turn 18 (in most cases), anyone wishing to use Global Entry to expedite reentry into the U.S. needs to apply for the program.
Global Entry can save valuable time spent waiting in line. However, you’ll need to apply well in advance of your trip so you have time to submit your application, complete an in-person interview and await approval.
Similar to TSA PreCheck, you can use a credit card that will reimburse your child’s Global Entry application fee.
Try out the games built into many spaces
It’s easy to miss, but many resorts, theme parks and cruise ships have a hidden layer of fun that ranges from traditional scavenger hunts to interactive activities you can unlock with an iPhone or similar device.
While the youngest travelers won’t benefit from these types of experiences, they can be fun for a variety of age ranges, especially elementary-age kids and tweens.
Related: Disney World rolls out all-new MagicBand+: Here’s what this wristband can do for your trip
Bottom line
Family travel has its own built-in challenges, but it also comes with immense rewards.
By knowing all the tips and tricks to traveling with kids, having the right gear with you, mapping out a game plan and having the right attitude and realistic expectations, you can have a memorable vacation every member of the family enjoys.
You may not get to do everything you want or sometimes feel like it’s more of a hassle than a vacation. However, if you’re willing to be flexible and appreciate when things go according to plan — even if the end result isn’t quite what you had hoped for — you’ll find yourself eager to book your next family trip before you have the bags unpacked and put away.
From golf simulators to wide open spaces filled with weight-lifting machines, these are the ten best apartment gyms in San Antonio.
Whether you’re working to tack on some muscle, hoping to get your sweat on or looking to play some beach volleyball from the comfort of your home, there’s an apartment fitness center in San Antonio that’s perfectly fitted to your needs.
You just need to know where to look to find it.
Source: Rent. / Cypress at Stone Oak
Boasting two state-of-the-art fitness centers, two swimming pools and a yoga studio, the workout resources at Cypress at Stone Oak are second to none. With large windows, high ceilings and motivational messaging on the wall, the fitness centers at Cypress at Stone Oak feel more like an expensive gym than an apartment complex workout room.
These Stone Oak apartments also back up to a golf course and are only a stone’s throw away from Bracken Nature Preserve. Bracken is a great place for hiking and features a cave that sees a mass exodus of bats each night. A great option to switch up your workout and get some steps in while seeing something new.
Source: Rent. / Celeste at La Cantera
With designer lighting, top-tier equipment and plenty of space to clear your mind and get your heart rate up, it’s obvious the design team behind Celeste at La Cantera takes their workouts seriously, or at least new future residents would.
Boasting a long row of elliptical machines, treadmills and even a Stairmaster, in addition to all of the other traditional trappings you’d find at a membership-based gym, the fitness center at La Cantera is one of the best places to enjoy a workout in the University of Texas at San Antonio area.
Source: Rent. / The Mark at Huebner Oaks
How many apartments have an indoor golf simulator? Not many. With temperatures regularly soaring into the triple digits, having an indoor option to (virtually) hit the links is essential for dedicated golfers. While this unique feature isn’t all that’s provided in terms of fitness at The Mark at Huebner Oaks, it does help to set them apart.
The Mark at Huebner Oaks also has an expansive fitness center with high ceilings and natural light in addition to a dedicated stretching/yoga area. With flatscreens on the walls and oversized ceiling fans overhead, this Huntington Place complex sets the standard for communal workout areas.
Source: Rent. / The View at Crown Ridge
The View at Crown Ridge is a great complex for active people to call home. The slanted ceiling gives the fitness center here an airy vibe and the windows make it so you don’t feel like you’re missing out on the day while you work your core or get your cardio in.
These Cross Mountain apartments are situated right next to Crownridge Canyon Park, one of North San Antonio’s best-kept secrets. This outdoor recreation area features walking paths, scenic bridges and beautiful rivers. Sound like a good way to spend a Sunday getting your sweat on, right?
Source: Rent. / The Estraya Westover Hills Apartments
The Estraya Westover Hills Apartments complex has one huge fitness center. With 200 units to serve, The Estraya went big and embraced a resort-style feel from the brightly colored gym. They packed it to the gills with high-quality equipment and paired it with a dreamy pool with a waterfall feature and tanning ledge. Estraya is a great place to be active and then kick back in comfort.
This Oak Creek area complex boasts professional quality stationary bikes, enough ellipticals to ensure waiting is never an issue and free weights for days. Long story short, this fitness center has it all.
Source: Rent. / 1800 Broadway
1800 Broadway invites people looking in the Westfort area to enjoy the best of what loft living has to offer. And the best of loft living includes a well-equipped, elegantly designed gym. The fitness Center at 1800 Broadway makes the most of its smaller footprint with multiple multipurpose machines that can support full workout circuits in and of themselves.
The other reason this Westfort complex makes the list is because of its proximity to the North River Walk, just a few blocks away. This scenic walking path provides the best of both worlds by being the premier spot to take a stroll and stop (more than a few times) for some shopping or a coffee.
Source: Rent. / The Mosaic
Drawing design inspiration from all around the world, The Mosaic has an aesthetic entirely of its own. That same aesthetic transitions to the fitness area where you’ll find high ceilings with exposed duct work, a versatile selection of workout equipment and extra equipment for plyometrics if that’s your thing.
Tucked away north of Downtown in Tobin Hill, The Mosaic is a workout warrior’s paradise thanks to its mix of traditional machines and newer CrossFit-inspired materials, this gym has it all to help you reach your fitness goals.
Source: Rent. / The Ranch at West End
The Ranch at West End may not have the largest gym on the list but what it may lack in size, it makes up for in alternative workout options. The Ranch at West End has a full-size beach volleyball court and a midsize circular basketball court, perfect for a game of HORSE or two on two with your neighbors.
The actual fitness center is nothing to scoff at either. Equipped with kettlebells, a calisthenic area and muscle-boosting machines, this Westcreek complex has the complete setup for anyone hoping to have options for physical activity right outside their door.
Source: Rent. / Vineyard Springs
Vineyard Springs is known for its large floor plans and those spacious spots are now supported by a brand-new fitness center. The on-site fitness center features a mirrored wall, a rowing machine and a conveniently placed TV that can be seen from nearly every machine and station in the gym.
Beyond a new gym, there is also an on-site trainer, educated with the skills to make sure you meet your fitness goals. And outside the gym are two bespoke pools that may be the best spots in all of The Vineyard to cool off after a long workout.
Source: Rent. / Cielo
What’s better than an elliptical with a pool view? Cielo’s light-filled gym leverages its prime location to ensure that anyone dedicated enough to take a trip to the gym gets rewarded with a relaxing pool view while they work up a sweat.
Cielo also backs up to Ladybird Johnson Park. Ladybird Johnson Park features large open fields, an expansive skatepark and a playground, making this park the perfect spot for a full day of active fun with the entire family. This Oak Grove complex really is a great spot for active people of all ages to call home.
San Antonio is calling
If you’re looking for an apartment in San Antonio and have a passion for personal fitness, start your search with this list. These aren’t all the apartments in Alamo City, but they are the ones with the best gyms. Get out there and find the perfect place with the gym that was built for you.
Featured image source: Rent. / Celeste at La Cantera
The 10-year yield (ticker: US10Y) describes what 10-year U.S. Treasury notes will pay over 10 years if bought today. Also known as T-notes, Treasury notes are a low-risk fixed-income investment that pays a set rate of interest every six months.
Considered one of the lowest-risk investments on the U.S. market, 10-year Treasurys are a “risk-free” benchmark against which other investments and debt are compared. (Three-month Treasury bills are another.)
While no investment is ever completely risk-free, Treasury notes come close if held to maturity. As a result, some investors and analysts look to demand for T-notes as one way to assess investor confidence in the economy.
Treasury notes are one of four main types of U.S. government debt securities. The others are Treasury bills, Treasury bonds and Treasury Inflation-Protected Securities (TIPS). They vary in their duration, interest payments and yields.
Competitive bid
When a bidder specifies the conditions of the Treasury (such as rate and yield) that they’re willing to accept.
Non-competitive bid
When a bidder agrees to accept whatever conditions, such as rate and yield, are established at the auction.
The face value of a Treasury note, or what you pay to loan the government money.
Treasury bill
The shortest-term U.S. debt security, Treasury bills mature in less than a year. They’re also known as a zero-coupon bond. T-bills do not pay interest like other Treasurys, and instead are sold at a discount. The difference between the face value of the T-bill and its discount rate is the “interest earned.”
Treasury bond
A long-term U.S. debt security maturing in 20 or 30 years.
Treasury note
A type of U.S. debt security maturing in 2, 3, 5, 7 or 10 years.
Market ticker for the 10-year Treasury yield.
The interest rate the U.S. government pays on its debt, or how much you can earn from investing in a Treasury note.
Price vs. yield
Treasury prices and yields tend to move in opposite directions, and are affected by supply and demand and the health of the economy. The purchase price or face value of a Treasury note is what you pay to buy it. The T-note’s yield is the interest rate you earn for loaning the government money.
Treasury notes are sold at auction through a bidding process. The Treasury first accepts any noncompetitive bids, or bids from investors who accept the current T-note rate and yield. Then, the Treasury accepts the highest competitive bid.
If demand for Treasury notes is high, they may sell for more than their face value. If demand is low, on the other hand, Treasurys can sell for less than their face value.
The Treasury may raise the yield of newly issued 10-year notes if the price of existing 10-year notes starts to fall on secondary bond markets (because of market forces like inflation). If there’s high inflation, for example, the potentially higher yield of newly issued 10-year notes will make them more attractive than previously issued T-notes.
This effect is also known as interest rate risk and is most relevant for investors trying to sell T-notes on a secondary market. If held for their full duration, Treasury notes still pay their coupon payments and principal in full. But if a T-note-holder were to sell early, they may have to discount the price.
Longer-term investments tend to offer higher yields to offset any potential price impact from interest rate or other risks.
Why is the 10-year Treasury yield important?
As one of the lowest-risk investments on the market, the 10-year Treasury and its yield are important for several reasons. First, the 10-year Treasury is a baseline against which the risk of other investments is assessed.
Treasury rates also affect interest rates for other types of consumer debt, like real estate and mortgage loans. Consumers often compare the return they could earn on Treasurys to certificates of deposit, money market accounts, corporate bonds and even mortgage-backed securities. So when yields for 10-year T-notes go up, so too do rates for real estate and mortgage debt.
Finally, supply and demand for Treasurys fluctuate with the economic climate. When markets or world events turn tumultuous, investors tend to flock to Treasurys in search of a safe haven. When times are good, though, investors tend to seek out other investments that can provide a more favorable return.
Are 10-year Treasury notes a good investment?
Whether 10-year Treasurys are a good investment for you depends on your investment goal. If your goal is to let your money grow slowly and conservatively over time, Treasury notes are considered a low-risk investment if held to maturity since they’re backed by the U.S. government.
One of the main risks with Treasury notes is what’s known as “opportunity cost”: You could forgo potential profits by investing in T-notes instead of a security with a higher potential return.
What is the 10-year treasury yield today?
Here is today’s 10-year Treasury note yield, alongside other Treasury securities for reference.
Rates are sourced from Google Finance and may be delayed. Data is solely for informational purposes, not for trading.
How do you buy 10-year Treasury notes?
Treasury notes can be bought in increments of $100 directly from the U.S. government via TreasuryDirect, or through a bank or broker. T-notes can also be purchased bundled together in the form of a Treasury exchange-traded fund.
Do you pay tax on T-notes?
Investors pay federal income taxes but no state or local taxes on T-notes and other Treasurys.
The Federal Reserve is pressing pause on its series of interest rate hikes designed to tame inflation – for now at least.
The Federal Reserve Open Market Committee announced Wednesday that it would leave the federal funds rate unchanged, forgoing what would have been an 11th consecutive rate hike. Those increases, which began in March 2022, have brought the federal funds rate from near zero to its current target range of 5-5.25%.
A financial advisor can help you protect your money from the effects of inflation. Find an advisor today.
The increases have been the central bank’s primary weapon in its fight against inflation, which crested at 9.1% in June 2022 but has since receded to 4%. Despite inflation’s recent downward trajectory, it remains well above the Fed’s long-term target of 2%. In fact, officials signaled they expect to see two more quarter-point increases.
What It Means for Retirees
While inflation’s downward trend feels encouraging, retirees and those on fixed incomes remain vulnerable as inflation is still double the Fed’s target range.
“It’s like saying, ‘He’s getting much better because he only robs four people a week and he used to rob 20 people a week.’ Inflation is a kind of robber which steals the value from retirees’ savings accounts and monthly pensions,” said Christopher Manske, founder and president of Manske Wealth Management in Houston.
“The fact that inflation is now stealing a bit less is still too much theft.”
Here are a few things retirees should be thinking about related to inflation and current interest rates:
Put Interest Rates in the Proper Context
High interest rates have made various savings vehicles, including certificates of deposit (CDs) and money market funds, more attractive. But Hao Dang, an accredited investment fiduciary at Consilio Wealth Advisors in Bellevue, Washington, says retirees should remember that the net return on their savings is barely outpacing inflation.
Yet, there is still a benefit to holding more cash at higher rates.
“Safe money can help them sleep better at night and help withstand any future sell-offs in the stock and bond markets,” he said. “If a retiree typically holds six months’ worth of expenses in cash, it could help to increase that to nine months to a year.”
And while a traditional portfolio of stocks and bonds benefits from diversification, savers can also stand to benefit from diversifying their cash position with an eye toward the future.
“Bonds are sensitive to rate hikes so if there are more rate increases down the line, there could be some losses in even the safest bonds,” Dang added.
“Enjoy higher rates while they can but start anticipating where to place cash for two to three years down the line.”
Good News for Pensions?
High interest rates not only mean better yields on bonds, they can also boost the investment returns of public pensions. In fact, a 2019 study conducted by the Federal Reserve Bank of Boston found that low interest rates often lead public pensions to assume more investment risk in an attempt to generate higher yields. This was especially true for funds that were underfunded or affiliated with states that had weaker public finances, the researchers found.
When Will the Fed Lower Rates?
If you’re expecting the Fed to lower interest rates this year, at least one heavyweight in the financial services industry says you may be setting yourself up for disappointment.
Vanguard economists say it’s far more likely that the Fed will either raise interest rates or leave them at their current target as opposed to cutting them this year. In fact, Vanguard’s model predicts that the Fed won’t start to lower rates until the middle of 2024.
“Our model suggests that it’s nearly three times as likely that the Fed will raise its target for the federal funds rate or keep it on hold this year than that it will cut rates,” Asawari Sathe, a Vanguard senior economist, said in a recent edition of Vanguard Perspective. “Our model’s output underscores our conviction that the Fed’s fight against inflation hasn’t yet reached an inflection point.”
As a result, if a saver is looking to open a new savings account or lock in a long-term CD, they’ll want to do so in the next six to 12 months, says Mark Hayes, a certified financial planner (CFP) and founder of Infinitive Wealth Advisory in Fishers, Indiana.
“Savers should consider taking action soon to lock in rates while borrowers might want to hold off,” he said.
Bottom Line
The Federal Reserve chose to leave interest rates untouched at the June meeting of the central bank’s Federal Open Market Committee. The pause comes after 10 consecutive interest rate hikes that brought the federal funds rate from near zero to its current target range of 5-5.25%. With more rate hikes potentially on the way, retirees may want to reevaluate their debt and even consider refinancing, as well as diversify their cash positions.
Retirement Planning Tips
A financial advisor can help you navigate the complexities of retirement planning. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
Social Security and portfolio withdrawals are two vital components of a retirement income plan. But how much income do you expect to generate in retirement? SmartAsset’s retirement calculator can help you estimate how much money your portfolio
Patrick Villanova, CEPF®
Patrick Villanova is a writer for SmartAsset, covering a variety of personal finance topics, including retirement and investing. Before joining SmartAsset, Patrick worked as an editor at The Jersey Journal. His work has also appeared on NJ.com and in The Star-Ledger. Patrick is a graduate of the University of New Hampshire, where he studied English and developed his love of writing. In his free time, he enjoys hiking, trying out new recipes in the kitchen and watching his beloved New York sports teams. A New Jersey native, he currently lives in Jersey City.
Whether you have school-aged kids or are planning to start a family, school rankings is probably high on your priority list when relocating. But not all cities or towns with great schools come with a hefty price tag.
Additionally, these towns with a lower cost of living and nationally-ranked schools have lots of activities to offer families. For example, Nashville has a great adventure science center, Pueblo, Colo. offers lots of family-friendly outdoor activities and Indianapolis is home to several professional sports teams.
The research for this infographic is based on a U.S. News study, as well as Census data. We found the top eight cities with a low cost of living using the U.S. Census. We found the top-ranked high schools through the U.S. News study, which looked at 22,000 public high schools in 49 states, as well as the District of Columbia.
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