Oklahoma is a state that beautifully blends Native American heritage, cowboy culture, and modern urban attractions. From the bustling streets of Oklahoma City to the tranquil beauty of the Wichita Mountains, Oklahoma offers a unique mix of experiences. But what else is Oklahoma known for? Whether you’re considering renting a home in Tulsa, looking to settle into an apartment in Norman, or just planning a visit, you’ll soon find that Oklahoma has much more to offer than meets the eye. In this article, we’ll explore what makes Oklahoma special and why so many are proud to call it home. Let’s dive in.
1. The Oklahoma State Fair
The Oklahoma State Fair, held annually in Oklahoma City every September, is a cherished event in the state. The fair spans over eleven days and attracts thousands of visitors with its array of attractions and activities. The fairgrounds provide attendees with thrilling amusement rides, from classic Ferris wheels to high-adrenaline roller coasters. Additionally, food is a major highlight, from corn dogs and funnel cakes to unique creations such as deep-fried Oreos and bacon-wrapped turkey legs. Beyond that, the fair has an impressive lineup of live entertainment including live concerts, stunt performances, and magic acts.
2. National Cowboy & Western Heritage Museum
The National Cowboy & Western Heritage Museum in Oklahoma City is a must-visit for anyone interested in the American West. The museum boasts an extensive collection of Western art, artifacts, and exhibits that celebrate cowboy culture. Visitors can see impressive sculptures, paintings, and even life-sized dioramas depicting scenes from the Old West. This museum offers a fun and educational experience, making it a top attraction in the state.
3. Chicken fried steak
Oklahoma’s culinary scene is highlighted by the beloved dish, chicken fried steak. This comfort food classic consists of a breaded and fried beef steak, typically served with creamy gravy and mashed potatoes. It’s a staple at many local diners and restaurants, such as Kendall’s Restaurant in Noble. Praised for its hearty portions and delicious flavor, chicken fried steak represents Oklahoma’s tradition of Southern cooking.
4. Lake Texoma
Lake Texoma is one of the largest reservoirs in the United States. Straddling the Oklahoma-Texas border, this lake offers a wide range of activities such as boating, fishing, and camping. Additionally, Lake Texoma is known for its excellent striper fishing, making it a prime spot for anglers looking to catch trophy-sized fish. The scenic beauty and recreational opportunities make it a favorite spot for locals and adventure seekers alike.
5. Philbrook Museum of Art
The Philbrook Museum of Art in Tulsa showcases an impressive collection of art from around the world. Housed in a stunning Italian Renaissance-style villa, the museum features works by renowned artists such as Pablo Picasso and Georgia O’Keeffe. Also, the beautiful gardens surrounding the museum provide a serene setting for visitors to enjoy.
6. Woody Guthrie Center
If you enjoy folk music, you should visit the Woody Guthrie Center in Tulsa. The museum is dedicated to the life and legacy of folk music legend Woody Guthrie. The center features interactive exhibits, rare recordings, and personal artifacts that tell the story of Guthrie’s impact on American music and culture. Patrons can learn about his famous songs, such as “This Land is Your Land,” and explore his contributions to the folk music movement. The center also hosts live performances and educational events, keeping Guthrie’s spirit alive.
7. Route 66
Often referred to as the “Main Street of America,” Route 66 runs through Oklahoma, making it a key landmark in the state. Travelers can explore charming small towns, quirky roadside attractions, and historic sites along this iconic highway. If you plan on driving Route 66, be sure to check out notable stops including the Round Barn in Arcadia and the Blue Whale in Catoosa. This historic route attracts road trip enthusiasts from around the world, eager to experience a piece of Americana.
Fun facts Oklahoma is famous for
Birthplace of the shopping cart: The states holds the achievement of being the birthplace of the shopping cart. Sylvan Goldman introduced it in 1937 at his Humpty Dumpty supermarket chain in Oklahoma City.
The Sooner State: Oklahoma is known as “The Sooner State” because of the early settlers who entered the territory before the official start of the Land Rush of 1889.
Man-made lakes: With over 200 man-made lakes, this state has more of these lakes than other state in the U.S.
8. Tahlequah and Cherokee Heritage
Tahlequah, the capital of the Cherokee Nation, is rich with Native American history and culture. Visitors can explore the Cherokee Heritage Center, which offers exhibits on the Trail of Tears and traditional Cherokee life. The center also hosts events and demonstrations of traditional crafts, such as pottery and basket weaving. Tahlequah provides a unique opportunity to learn about the Cherokee people’s past and present, making it a culturally significant destination in Oklahoma.
College football is a major part of Oklahoma’s identity, with the University of Oklahoma Sooners and Oklahoma State University Cowboys boasting passionate fan bases. The Bedlam Series, the annual rivalry game between these two teams, is a highly anticipated event that highlights the state’s deep-rooted love for the sport. Both programs have produced numerous NFL stars and Heisman Trophy winners, cementing Oklahoma’s reputation as a powerhouse in college football.
10. Pioneer Woman Mercantile
Owned by celebrity chef Ree Drummond, the Pioneer Woman Mercantile in Pawhuska has become a culinary and shopping hotspot. The mercantile features a bakery, deli, and retail store offering Drummond’s signature recipes and products. Visitors can savor hearty meals, delicious pastries, and browse through a variety of kitchenware and home goods. Because of the charming ambiance and friendly service, the mercantile is a popular destination for fans of Drummond’s cooking show and blog.
11. Beavers Bend State Park
Beavers Bend State Park, located in the southeastern part of the state, is a top destination for nature lovers. This scenic park offers hiking trails, fishing spots, and opportunities for kayaking on the Mountain Fork River. The park is also home to cozy cabins and campsites, providing a perfect getaway for social gatherings and outdoor enthusiasts. With its stunning landscapes and variety of recreational activities, Beavers Bend State Park is a great way to experience the natural beauty of Oklahoma.
12. Oil and energy industry
Oklahoma is widely recognized for its significant contributions to the oil and energy industry. The state is home to major energy companies like Devon Energy and Chesapeake Energy, which play a crucial role in the national economy. Oklahoma’s landscape is dotted with oil rigs and natural gas wells, reflecting its deep history in fossil fuel production. The annual Oklahoma Oil & Gas Expo in Oklahoma City highlights the latest advancements and innovations in the field, attracting professionals and industry leaders from across the country.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Creating a budget grocery list is a smart way to save money while ensuring you have all the essentials you need. With the right items on your list, you can enjoy nutritious and delicious meals without overspending.
Whether you’re trying to cut down on expenses, build healthier eating habits, or just make grocery shopping easier, having a well-planned list is key. Here are 12 must-have items that should be on your budget grocery list to help you stay on track and make the most of your money.
1. Dried Beans
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Dried beans are cheap and full of nutrition. They provide protein and fiber while being low in calories. Perfect for vegetarian and vegan diets, they make a great addition to any budget grocery list.
2. Potatoes
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Potatoes are cost-effective and versatile. They can be used in many dishes and are great for those on a budget. You can bake, boil, or mash them for a frugal and filling meal.
3. Peanut Butter
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Peanut butter is a budget-friendly staple. It’s a good source of protein and healthy fats. You can eat it alone or use it in various recipes to add flavor and nutrition.
4. Oatmeal
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Oatmeal is one of the cheapest and healthiest grains. It’s low in calories, high in fiber, and magnesium. It’s a versatile option for breakfast, snacks, or lunch.
5. Eggs
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Eggs are a cheap source of protein and nutrients. They cost less than ten cents per serving and can be used in many recipes, from omelets to baked goods.
To learn more: 100+ Frugal Meals for When You’re Broke or on a Budget
6. Bananas
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Bananas are a budget staple. They’re inexpensive, easy to store, and perfect for a quick snack or to add to meals.
7. Apples
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Apples are a great budget-friendly fruit. Look for cheaper varieties like Red Delicious and Gala. They’re nutritious and easy to find, making them perfect for a frugal grocery list.
8. Rice
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Rice is a great value food for any budget. It’s widely used in Mediterranean diets and can be added to stir fry or burritos. Add spices for extra flavor.
9. Lentils
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Lentils are a budget-friendly protein source. You can make plant-based meat alternatives or stretch meals by adding them to ground turkey. They’re versatile and nutritious.
10. Carrots
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Carrots are cheap and full of nutrients like fiber, potassium, and beta carotene. They help with weight loss, eye health, and cholesterol. Buy whole carrots instead of baby carrots to save more money.
11. Pasta
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Pasta is a versatile, budget-friendly option. It’s cheap and can be used in many dishes, from main courses to side dishes. Top it with sauce, cheese, or butter for a frugal meal.
12. Canned Tomatoes
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Canned tomatoes are cheaper than fresh and perfect for budget meals. They can be added to stews or sauces. Buying organic canned tomatoes can also save money.
Find 50 more Budget Grocery list ideas
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Want to save money while eating healthy? This guide has a list of affordable food options to keep you full. From meats to grains, fruits to veggies, this budget grocery list has everything you need.
To learn more: The 60 BEST Budget Grocery List Items for Cheap Eating
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Journeying to a new place lets you try on what living in another culture feels and looks like, whether you’re exploring the adobe house-filled streets of Santa Fe or the lantern-lit alleys of an ancient Moroccan city. Many travelers, dazzled by the rug sellers of Istanbul or the pottery workshops of Oaxaca, return with worldly housewares or art to decorate their homes.
“A textile, a clay bowl or an object you pick up at a flea market connects you to a time that you’ve enjoyed, a memory of a place,” says Hilary Robertson, a Brooklyn prop stylist and author of “Nomad At Home: Designing the Home More Traveled.” “If you can’t move to Marrakech or Kyoto, you can at least recreate something of the feeling.”
But snapping up the best items for your particular home requires a bit of strategy and advance planning. Here’s how to shop smartly, how to get your treasures back in one piece, and what to do with them upon your return.
Do your homework
You usually won’t turn up Indigenous handicrafts or interesting local art at an airport store or the hotel gift shop. “So do research before you go, looking up artisan networks, finding out which days flea markets operate, and figuring out what you might even be able to buy in a given place,” says Rachna Sachasinh, owner of Tikkiwallah, an online shop selling fair-trade Thai and Laotian pillow covers, blankets and other textiles.
Seek tips on what to buy and where to shop from your hotel concierge (or short-term rental owner), and via the websites and social media accounts of official tourism boards. You can also flip through old-school guidebooks (Lonely Planet, Rick Steves), which tend to concentrate on local retailers, rather than the location of every West Elm in Mexico City. TikTok and Instagram also offer potential shopping info, but be wary of paid brand placements.
While cool art and vintage home decor are available at most destinations, “you’ll find more handmade items like textiles, rugs and baskets if you travel to places like Morocco, India and Mexico, which still have living crafts cultures,” says Sachasinh.
Consider hiring a shopping pro
To get straight to the treasure hunting, you could hire a tour guide who specializes in shopping for a few hours. Look for market- or retail-specific experiences in your destination on travel booking sites such as TripAdvisor and Tours by Locals; using the name of a specific place (“Istanbul Grand Bazaar” or “Oaxaca pottery workshops”) can further winnow your search.
You can also try a simple online search to turn up market-savvy private guides such as Buenos Aires Shop Hop (guided jaunts to leather workshops and vintage markets in Argentina) or Maryam Montague, the proprietor of Peacock Pavilions hotel in Marrakech, who takes travelers on daylong expeditions through the city’s souks looking for fuzzy tribal rugs, bright pottery and leather poufs.
Or go on a crafts- or shopping-focused trip. Tour companies such as Ace Camps and Thread Caravan host weeklong trips to meet artisans and make things alongside them in destinations such as Perú (try weaving in the Sacred Valley near Machu Picchu) or Japan (learn how to use shibori indigo dyes or make pottery).
Luxury trip-planning company Indagare offers frequent style-centric small group tours to Mallorca, Rajasthan and Paris with dinners in designers’ homes, market excursions and meetups with artists. Grant K. Gibson, an interior designer, leads small groups to destinations such as Jaipur, India, and Oaxaca, Mexico, where they visit showrooms, learn about block printing and woodworking techniques, and usually come back with suitcases full of merchandise.
“Design touches on so many passion points — art, history and culture, food and wine — that trips like these are a great linchpin for learning, exploration and meeting fellow design enthusiasts,” says Indagare founder and chief executive Melissa Bradley.
Know what to look for
To support local artisans, look for fair-trade crafts stores, which pay creators fairly for their products and tend to stock goods representative of a destination. Other top bets: flea markets focused on handmade or antique goods, museum shops, and government-sponsored artisan boutiques or networks. For instance, Artesanías de Colombia shops in Bogotá and Cartagena hawk rope hammocks and palm fiber baskets produced by Indigenous weavers.
“And visiting an artisan workshop might give the deepest connection to something handmade, since you get talk to the crafter or even make something beside them,” says Sachasinh, who recommends the weaving workshops and the blanket- and table runner-stuffed store at Ock Pop Tok in Luang Prabang, Laos. At the Seattle Glass Blowing Studio, artists create the delicate bowls and glasses the Pacific Northwest city is known for — and teach beginners how to make their own.
Think about how you’ll get it home
Serendipity and impulse inspire many souvenir purchases. But if you want a Turkish rug for your living room or a vintage Parisian painting to match your bathroom tile, be sure to travel with photos and measurements of the space you have in mind. “I always bring a measuring tape and swatches of any fabric I want to match, too,” says Montague.
Planning on carrying a lot of items home on the plane? Stash a collapsible duffel (Paravel makes a clever zip-down one) in your luggage, or, for larger purchases, pack an extra, empty hard-sided suitcase. “It’s usually cheaper to pay for an extra checked bag than to ship a lot of things home,” says Montague. Know that oil paintings can be taken off their stretchers and rolled up, and that you can purchase a throw pillow cover that takes up little luggage space and buy the bulky insert when you arrive home.
“I’m wary of checking a bag with breakables, though,” says Bradley, who has ferried glass and pottery back from Cambodia and South Africa in a hard-sided carry-on.
And whether you are two hours away by car or five time zones away by plane, retailers that sell bulky items can generally guide you toward a shipper, even though it’s often not cheap. “I had this great farmhouse dining table shipped from the Paris flea market, and I’ve had people on my trips to India send home inlaid dressers,” says Gibson.
Get creative
Many housewares bought on your travels can be repurposed, and even ordinary goods found in other countries can seem special or elevated compared to what you’d get at home. “I go to Mexican hardware stores, because even basic items like door hooks or storage bins can be so colorful and fun,” says Robertson.
A Navajo rug can serve as a tablecloth; a beaded Maasai collar morphs into a sculpture when displayed on a wire stand. Even the simplest souvenirs — a vintage postcard of Yellowstone National Park, a scrap of fabric — look terrific when nicely framed.
Grouping disparate travel finds on a gallery wall can make them seem cohesive. “I have the most random … stuff hung on the wall of the staircase at my house — a painting from India, a brass bowl I got in Turkey,” says San Francisco interior designer Chelsea Sachs. “It’s like a chronicle of my life, and these things remind me of special moments when I get back home.” Indagare’s Bradley arranges Iranian tiles, Burmese boxes and Peruvian ceramics amid the novels and art books on her shelves.
Fabrics, buttons and other easy-to-transport materials you snap up on the road can turn into home accents, even if you aren’t especially crafty. Bring home a couple pieces of washi — a Japanese mulberry paper so storied it’s recognized by UNESCO — to hot-glue onto a lampshade or inside a wooden tray. A basket or other object can be turned into a light fixture. “I carried a huge antique rattan bird cage home on a ferry from Provincetown once, and now it’s a chandelier,” says Robertson.
And almost any textile — a striped Peruvian blanket, a vintage quilt from a flea market — can be fashioned into a throw pillow or shower curtain by your drycleaner or used to reupholster a chair seat. “Sometimes stuff has to hang around for a while before you know what you’ll do with it,” says Sachs.
You might not want to amass a cabinet full of souvenir teacups, spoons or snow globes like your great grandparents did. But the concept of picking up one small object everywhere you travel still has some validity; it might save you from overbuying, and even kitschy trinkets can summon memories. Think about scoring a holiday tree ornament or small flower vase every time you go on a trip, or save a few coins from each foreign country you visit to pile into a bowl on your coffee table. “Pieces from different places become integral to your home and allow you to reconnect with a destination and its aesthetic,” says Bradley.
Inside: The decision on where you live is a big life choice. Learn how an HCOL vs LCOL area will impact you financially. Plus find the cost of living city that fits for you.
HCOL. LOCL. MCOL. What do these acronyms mean and why should I care?
Back when I was trying to decide where to live, there wasn’t a big discussion about the high cost of living or low cost of living areas.
You just picked a city close to family or branched out to a new area. Were you drawn to the big city or not? Plain and simple.
Today, there are many tools at our disposal to try and figure out what is the best city to live in based on income, expenses, and the lifestyle that you desire.
In this post, you will see how to analyze what type of city you want to live in and see if it makes financial sense for you.
Why such the price difference between HCOL and LCOL?
In a low cost of living city, you can buy a house for $50,000. In contrast, a median home price in a high cost of living city can cost $1.5 million. This is a correlation between supply and demand in the market.
The more people who want to live in a certain area that has less available space will naturally drive up prices. Whereas most low cost of living areas, the supply is abundant since there is plenty of space to spread out and find your own neck of the woods for much less.
Here’s a quick comparison of HCOL vs LCOL vs MCOL.
New York City has the highest cost of living at 100, followed by Los Angeles and San Francisco. This graph highlights the difference in cost of living in these example cities.
HCOL Seattle, WA
MCOL Las Vegas, NV
LCOL Knoxville, TN
Cost of Living Index
85.57
69.33
63.26
2 Bed Apartment Rent
$2,724
$1,176
$788
Median Home Price
$826,200
$441,771
$256,188
Median Income
$92,263
$56,354
$33,229
Data from Nerdwallet, Census.Gov, and Numbeo
What is HCOL area Mean?
Simply put, HCOL means a high cost of living.
This type of acronym is to describe certain areas or cities where expenses that impact your budget the most, such as housing, food, and transportation, are more expensive than other areas.
When defining an HCOL area, it is a comparison of the cost of living based on other areas around other cities, states, and countries.
There is no hard line to define high cost of living since it is compared to the other cities.
Is it possible to live in a high cost of living area? Absolutely, it all depends on how you choose to live, the income you make, your lifestyle choices, and your savings percentage.
VHCOL are VERY high cost of living areas, such as Manhattan, Honolulu, San Francisco, Singapore, or Hong Kong.
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Pros and Cons of HCOL
Just because an area is labeled HCOL does not mean that you shouldn’t call the city home and stay away from these areas.
There are plenty of advantages and disadvantages of living in a high cost city.
There are always drawbacks to living in a high cost of living area and you have to decide whether or not what works for you.
In order to make a solid decision on where the best place is for you to live, you need to know this information.
Advantages of HCOL City
Job Market is Solid
First of all, in HCOL cities, the job market is stronger, there are more jobs available, and typically those jobs have a higher paying threshold than other areas.
That is why many companies are attracted to these areas because they know the talent pool of potential employees is much stronger in high cost of living area versus other areas where there are not as many skilled workers.
Income is Higher
Since companies know they must pay their employees a fair wage living in a high cost of living area, incomes are higher to support the increased expenses.
This helps those municipalities collect more taxes, which feed back into the system to provide more for their residents.
More Opportunities
More opportunities abound in a high cost of living cities.
Not only in the job market but there is access to public amenities and conveniences. Some examples include museums, sporting events, transit, best medical services, endless entertainment options, quality restaurants, high-end shopping, and quick access to international airports.
Even better, you can find free entertainment each and every day that does not cost a penny. Here is a list of 101 things to do with no money.
There are many benefits of living in a high cost of living area just because their opportunities are endless. You will always find something to do and there is always stuff going on.
Better Schools
Typically, in your high cost of living cities, that is where you will find the better schools. This is in direct correlation to the job market and skilled workers.
These skilled workers tend to have a higher instance of college graduates and they tend to want the best for their children. As a result, the schools tend to be much better than you would find in other areas.
Higher Chance of Home Equity
Another advantage of big cities is the variety of neighborhoods you can find in a bigger city. You can find the type of house you want to live in and the diversity you crave.
While home costs are much higher, there is also a greater chance of income increasing your home equity much faster than other areas.
For example, in Michigan, you could pay $100,000 for the exact same house in 5-10 years since appreciation will not happen at the same rate as other cities. Whereas, if you look at some of the hot markets, like Denver, Phoenix, or Austin, the home prices have been skyrocketing.
Thus, if you live in those quickly appreciating housing areas, there is a higher chance to increase the value of your house.
Disadvantages Of HCOL Cities
Higher Basic Cost of Living – Specifically Housing
First, housing costs can break the bank. It is the biggest expense for any household.
If you were unable to secure a salary to justify the housing cost, it makes it nearly impossible to be able to afford to live in a high cost of living area.
This is where you would have to get creative and look for housing subsidies or other means to stretch your housing budget.
Harder to Find Houses
Another con of a high cost of living areas is it is much harder to find housing! House and rent prices are higher, jobs are tougher to find where there’s opportunities abound, and you may feel like you are searching for a needle in a haystack.
You need to have the right opportunity to find the proper house for you. If you are looking at buying, you need things to line up properly and in your favor.
Stretch Yourself Too Far Financially
Since incomes tend to be much higher, many people find the urge to spend more discretionary income.
In many cases, this means that the average household may stretch themselves a little bit further by keeping up with the Joneses. They tend to spend more frivolously and not live as frugal.
This is a trap to be aware of if you are in a high cost of living area. You can be savvy with your money and save, but you have to be cognizant of how you spend your hard-earned salary.
HCOL Cities…
These are the HCOL areas. Do you need to avoid them? No, but going into those areas, you must realize the cost of living will be higher.
Here’s a list of all of the cities that are the top 20 cities that are high cost of living areas according to Kiplinger:
1.
Manhattan, New York
(145.7% above U.S. average)
2.
San Francisco, California
(94.7% above U.S. average)
3.
Honolulu, Hawaii
(97.6% above U.S. average)
4.
Brooklyn, New York
(80.5% above U.S. average)
5.
Washington, D.C.
(60.7% above U.S. average)
6.
Seattle, Washington
(56.7% above U.S. average)
7.
Oakland, California
(53.9% above U.S. average)
8.
Arlington, Virginia
(50.5% above U.S. average)
9.
Orange County, California
(50.2% above U.S. average)
10.
Boston, Massachusetts
(48.8% above U.S. average)
11.
Queens, New York
(47.8% above U.S. average)
12.
Los Angeles, California
(46.6% above U.S. average)
13.
Bethesda, Maryland
(45.5% above U.S. average)
14.
San Diego, California
(41.4% above U.S. average)
15.
Alexandria, Virginia
(40.0% above U.S. average)
16.
Stamford, Connecticut
(36.4% above U.S. average)
17.
Portland, Oregon
(34.3% above U.S. average)
18.
Fairbanks, Alaska
(27.9% above U.S. average)
19.
Bergen County & Passaic County, NJ
(26.6% above U.S. average)
20.
Anchorage, Alaska
(24.4% above U.S. average)
Source: Kiplinger
What Is LCOL Area Mean?
LCOL stands for lower cost of living.
These cities have a lower average cost of living versus the average.
Simply put…your ability to stretch your income goes much further in a low cost area compared to a high cost of living area. This is where you can get a bigger bang for your buck.
Pros and Cons of LCOL
The differences in the area where you can live can be vastly different. Thus, providing benefits or drawbacks of choosing to live there.
The cons are typically the reasons that most people want to stay away from these cities.
This is where personal preference tends to play the biggest reason for choosing one location over another.
Just like with a high cost of living area, you need to weigh the pros and cons of living somewhere where expenses are not quite as high.
Advantages of LCOL –
Slower Pace of Life
One of the biggest benefits is a slower pace of living in low cost of living area.
Life doesn’t move as fast.
There is more time to breathe, there is more time to step back and take a bigger picture. It is not go, go, go, go 24/7. Time to enjoy the fresh air and slower pace.
Cheaper Housing
This is why people choose to live in a low cost of living area. Period.
You are able to afford much more house for much less.
That right there, over the long term can make or break somebody financially.
Lower Taxes
Many of the lower cost of living cities also benefit from lower taxes as well. They have lower income taxes, and even possibly, lower property taxes. So, this is something to take into consideration when looking at a low cost of living area.
Check what the difference would be from where you’re currently at to where you are considering moving.
Remote Work
This is the bread and butter spot! When you can take in a higher pay and still live in a LCOL city.
After 2020, remote work is becoming more and more popular. In addition, it is an added benefit companies are including to attract skilled employees.
This is one scenario where you can get the best of both worlds.
Disadvantages Of LCOL Cities
Less Opportunities
First of all, there are fewer opportunities. There are fewer things to do, there are less things going on. The airport is a further drive away.
In a big city, you can always find events happening. It may not be the same in other cities. However, some cities have created programs to draw in residents with the big city feel like Bellefontaine, Ohio.
Income Potential is Lower
The job market doesn’t have the high-paying jobs that you would find in the bigger cities. The income potential in one of these cities does not compare.
Let’s face it… a good majority of your working years are about built around making an income. With a lower cost of living city, the income limitations can be cumbersome and it takes longer to be able to reach your financial goals.
LCOL States and Countries with LCOL
Geographic arbitrage can give you great value for your money.
Arbitrage is the spread of differing prices for the same thing like rent, food, or transportation.
This means you can save more money by living in LCOL state or spend less of your nest egg by living in a LCOL countries.
These are the areas you can find the lower cost of living. There are many LCOL cities to be found as well.
LCOL States:
1.
Mississippi
(84.10% of U.S. average)
2.
Kansas
(86.67% of U.S. average)
3.
Oklahoma
(88.09% of U.S. average)
4.
Alabama
(88.80% of U.S. average)
5.
Arkansas
(89.16% of U.S.average)
6.
Georgia
(89.30% of U.S. average)
7.
Tennessee
(89.49% of U.S. average)
8.
Missouri
(89.75% of U.S. average)
9.
Michigan
(90.54% of U.S. average)
10.
Indiana
(90.57% of U.S. average)
Source: US News
LCOL Countries:
Listed in alphabetical order because there are many to chose from based on your personal preferences.
The definition of MCOL is any area that just has an medium cost of living.
There is not one extreme or another. These cities are just plain average. Maybe slightly above or below the median cost of living.
This can be a sweet spot of reaching your financial goals while enjoying a higher quality of life.
Benefits of MCOL Area
As you can read on Reddit personal finance threads, there are plenty of reasons to live in an MCOL area.
Mostly because these types of cities you can get the best bang for your buck, and still have the pros of living in a high cost of living area, as well as the pros of living in a low cost of living area.
This is where the job market may be very stable with good wages but the cost of living is not going to cost you a fortune.
Also, you can find tons of cities that meet the criteria of a MCOL city.
Cost of Living Varies within Cities
Regardless of whether you choose, HCOL, LCOL, or MCOL areas, the cost of living will be dramatically different between these cities.
Whether you are looking at the downtown area, the outlying suburbs, or maybe even the cities that have popped up around near the main city.
Just because the city is HCOL or LCOL, there will be neighborhoods that will be the outliers to the main part of the city.
So, when you are looking at cost of living, you must know the things that are most important to you and what type of neighborhood that you would want to live in because they can be found.
That is what I call hidden gems.
It is possible to find a cheaper house in a low cost of living or high cost of living area, you just have to do your homework and know what you’re looking for.
Vice versa, it is very possible to find a neighborhood in a low cost of living area that is much higher than the surrounding areas.
How can I buy a house in a high cost of living?
It is possible to be a homeowner in a in a high cost of living area. You just have to be able to afford the down payment on the house to make being a homeowner justifiable, if possible.
Before you decide to buy a house, here are some factors you need to take into consideration..
1. Does it make sense?
First, you have to make sure that it makes logical sense to buy a house. Especially in a high cost of living area because the house prices may not match up to what the income that you are bringing in.
Will you still be able to reach your money goals by purchasing a house? Or will you be house poor?
2. Compare rent to potential mortgage
Will it be cheaper to rent? Or cheaper to have a mortgage?
To figure this out, take what the average rent is in your neighborhood. Then, use a mortgage calculator to figure out the maximum amount you can afford.
Since those calculators will leave you house poor. Decide what you are able to justify in spending on a mortgage and figure out what the mortgage payment is.
Is the mortgage payment less than average rent in the area?
For example, it may cost in a high cost of living area, like San Diego, it may cost $3,000 a month to rent a house. Whereas you might be able to buy a similar home in the same neighborhood and have your mortgage payment of $2,259.
Thus, making buying makes more financial sense than continuing to rent.
3. Expand your horizons
Another tip to afford your dream house – do not be set on that one specific neighborhood in a high cost of living area.
Many times you can find an up-and-coming neighborhood that is much less than the trendier and hip current neighborhoods that you want to live in.
Thus, you can typically save a good chunk of money. Plus in the long run, you greatly increase the potential for home equity.
4. New Homebuyer Programs
If this is the first time you are buying a house, then look into first-time homebuyer programs and grants. (Hint… this is like free money!)
There are many out there because cities want their residents to buy in their neighborhood and their cities because that means they are going to be there for a longer-term.
Also, there are programs for the military, teachers, nurses, single moms, minorities, graduate students. You just have to look.
5. Save for Down Payment
When you are looking at buying a house, this is the time to become serious about saving for a down payment.
You may have to find ways to save more money each month.
This could include things like downsizing your lifestyle to make it possible. Living with friends or family while you save up more money. Or just spending less for a certain period of time until you reach your downpayment goal.
6. House Hacking
The last step is one of the best ways to reach financial independence in a high cost of living city. Plus the concept works well in any city… house hack.
Find a multi-family housing property that you were able to buy. For example, plan to live on one side of the duplex and rent out the other. This will help you pay for your mortgage, by using the rent collected from your renters.
Thus, lowing your overall housing cost, which is your biggest expense.
Where Does Your Income Go the Furthest?
This is a comparison that you may be surprised by the outcome. Thus, proving why you need to do cost comparisons to see what financially makes the most sense when deciding to move from one to the other area.
comparison of income, expenses, taxes, and potential savings!!!!!!!!!!!
Once again, this is personal to your situation. So, take a moment and use the cost of living calculator yourself.
Paying taxes is one option to increase what you take home in each paycheck.
No Income States
These are the states that don’t pay state income taxes on wages:
Alaska
Florida
Nevada
New Hampshire
South Dakota
Tennessee
Texas
Washington
Wyoming
For most people, that is an instant decrease in overall taxes!
Higher Taxed States
Also, if you live in one of the higher taxed states, then you may want to reconsider moving to a lower cost of living area.
The higher taxes income tax states include:
California
Hawaii
New Jersey
Oregon
Minnesota
The District of Columbia
New York
Vermont
Iowa
Wisconsin
These states tax income somewhere between 7.65% – 13.3%.
Property Taxes
Property taxes vary from state to state.
In some states with large property taxes, it may even out with no income taxes. While other states, like Illinois, where property taxes are high and income taxes are above the national average as well.
Moving From HCOL to LCOL
The reason that most people move from HCOL to LCOL area is to save money. They want to decrease their expenses – that is the primary driver. Other times, it may be that they’re looking for a different type of lifestyle.
But as you can read on Reddit, everybody has a different personal experience.
It may have been beneficial and may have been bad timing. It may have been the best choice. It may have been the worst decision.
Make sure to factor in the costs associated with the move. Also, any ongoing expenses like travel if you are moving away from family.
How to Choose HCOL or LCOL?
Deciding where you live is one of the most personal decisions that you can make. Nobody can make it for you. You know what you want in life, how you want to live, and where you would feel more comfortable.
So, let’s look primarily at the financial side of making this decision of what is best.
1. Lifestyle You Desire
There are massive differences between HCOL and LCOL cities!! In big cities, life moves at a faster pace. While most cheaper cities areas move at a slower pace, so you have to make the decision of what type of lifestyle.
Do you want you want the big city? Do you want suburbia? Or do you prefer more of a country lifestyle?
When looking at this first factor, your answer should not include money. This is where your heart is. This is where your home. This is the life that you plan on living. This doesn’t include the financial sense.
This includes what makes your heart happy.
2. Your Money Goals
One of the things that discussed the most on this site is the 10 Money Bliss Steps to Financial Freedom. That is where most of our readers find their current money goal. And for good reason, you must build a strong foundation with money one step at a time.
In order to achieve long term financial success, the decision on housing is critical as it is the biggest expense in any budget. And that is can have the greatest impact on your budget!
On the flip side, the amount of income you are capable of making can also make the biggest impact on what you can afford to spend.
You must decide on your current money goal as well as the longer term money vision. Maybe you are looking at wanting to retire early? Love to live a slower life in the future?
It is possible to live in HCOL area where you are able to live extremely frugally and save more money. This is what my friend did over at Tuppennys FIREplace. For them, it was a smarter decision. On the flip side, maybe you are happier living a slower pace of life. Income is not the primary driver and you just want to enjoy life more.
At the end of the day, you must prioritize what you want, how your budget and your expenses correlate, and how your saving rate is impacted in various cities.
3. Season of Life
For those in their younger years may not understand this as much, but as you go through seasons of life, you will realize that you have different goals, objectives, and desires along the way.
When deciding where to live, your current season of life will probably have a very high impact on what you are looking for.
If you have young kids, you probably want to find a neighborhood where you have other families nearby that your kids can interact with.
If you are close to retirement, you may look decide to move out of the good school district because you do not need to pay the premium of living here. You may choose to move to a lower cost of living area, so you have the freedom to travel and help my kids and grandkids.
4. Potential Income & Career Opportunities
The greatest benefit of a high cost of living area is the income potential and the career opportunities. Both are much greater in the bigger cities than you would find in the smaller cities.
If your primary goal is increasing your income and advancing your career, then looking at high cost of living areas an absolute must. Plus you might be able to find something on the outskirts of expensive neighborhoods, that would make the most financial sense.
Then, living in HCOL is justified and necessary and the income can justify the higher costs associated.
On the flip side, there is plenty of income potential as a small business owner in a low cost of living area. You just have to know the market, what your skills are in, and what the needs are in your area.
4. Fixed Expenses
Fixed expenses can be dramatically different in each area.
Write out a list of your top fixed expenses and make sure to compare those as well.
For example, child care costs and tuition are going to be much more expensive in a big city than in the suburbs. Maybe in certain neighborhoods, a car would not be needed; thus, eliminating another big cost and associated maintenance.
While some fixed expenses seem meniscal, over time, they can add up significantly. Thus, helping or hurting your financial picture.
Unspoken Price Tag to Live Somewhere
As we covered in this post, there is a lot to consider when deciding between HCOL, LCOL, or MCOL areas.
It is a highly personal decision that you must take the time to make the best decision for you!
Not someone else, but for you.
One thing to watch out for when looking at where to live is what I call the “price tag” of a beautiful city.
Many times, employers know that the city that people want to live in their city for whatever reason. Thus, you will experience what I like to call the “income hit” to living there.
For example, Fort Collins, Boulder, and Austin are highly desirable areas for postgraduates to live in because they fall in love with the town and they want to stay here for the long term. Thus, employers know that this!
As a result, income for jobs maybe 10 to 15% less than they could make in any other type of market or city. So, that is something just to be aware of when wanting to stay in the city that they have grown to love.
In conclusion, when you’re looking at a high cost of living area versus a low cost of living area, there are two sides to the coin.
One – what makes financial sense. Two – your home is where your heart is.
Consequently, you have to make the decision on what makes sense for you.
While it makes financial sense to move to a lower cost city, at the same time, it may move you away from your family and your support system, and everything that you enjoy, and you may not be as happy in the long run.
Enjoy weighing the alternatives between all of the options available.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
So, you have only one day in Fort Worth to experience all this city has to offer – you’ve come to the right place! Whether you’re exploring the town for vacation or trying to decide on renting an apartment in Fort Worth or buying a home in Fort Worth, ApartmentGuide can help you plan the ideal day.
In this article, you’ll find a treasure trove of restaurants, activities, and parks handpicked by Fort Worth locals. Your task is to look through the list and select one item from each step to create your ideal itinerary. Feel free to choose more than one option if you wish! Think of this as a “Choose Your Own Adventure” for exploring a new city. The goal is for you to get a crash course in what it’s like to live in Fort Worth.
Step one:
Try a new experience
During your time in Fort Worth, make sure to take advantage of all the great experiences this city has to offer. See below for a myriad of experiences, from glass art classes to the oldest bookstore in Texas. Choose one or a few to explore during your stay.
SiNaCa Studios: “Escape the humdrum and head to SiNaCa Studios for some fun and excitement. You will have a blast with glass art classes at SiNaCa Studios. Whether you want to try glass blowing or flamework glass art, you will have a hot time at SiNaCa Studios.” – Clarissa M. of Romantic Spots Fort Worth.
Casa Mañana: “Casa Mañana is known for bringing captivating performances to life on stage. At Casa Mañana, you can enjoy a wide range of theatrical productions from Broadway favorites to family-friendly productions. From the moment you walk into the domed building, to the rise of the curtain to open the show, to the final applause, you will be fully immersed in the magic that is Casa Mañana.” – Clarissa M. of Romantic Spots Fort Worth.
Barber’s Bookstore: “Come visit the oldest bookstore in the state. We are one of the last independent bookstores in Tarrant County. We buy libraries and do appraisals.” – Brian Perkins, owner of Barber’s Bookstore and author of online stories.
Rooftop Cinema Club: “Enjoy a unique experience at Rooftop Cinema Club. You will have a scenic view of downtown Fort Worth at night while you enjoy a movie under the moonlight. The cinema provides personal headphones for each person, concessions where you buy drinks and classic movie snacks. Check out their website for exclusive screenings like Wooftop!, Singles Night, and movies that provide closed captions.” – Giselle Jimenez of Pax & Beneficia.
Tubman Gallery: “Visiting the newly opened Tubman Gallery to view beautiful art from local artists is a great way to connect with the east side of the city. The experience is unique, inviting, and inspiring.” – Black Coffee FW.
The Fort Worth Botanic Garden: “One of my favorite places to photograph couples is the Fort Worth Botanic Garden! The garden offers a variety of landscapes, from meticulously manicured lawns to wildflower-filled meadows and, my favorite, the Japanese garden. The landscapes there are especially beautiful in the fall and winter, bursting with warm and vibrant colors.” – Elizabeth Couch of Elizabeth Couch Photography.
Wanna try something else? Check out WhatsUpFortWorth.com: “If you are looking for something to do in Fort Worth, you just have to make one click to WhatsUpFortWorth.com. Whether it’s live music for the upcoming weekend, festivals in and around Fort Worth, or the live theater selections, WhatsUpFortWorth is your one-stop click for ‘what’s up’ in Fort Worth. Select the area of town and date, and you will know everything that is going on in Fort Worth.” – Greg Heitzman of WhatsUpFortWorth.com.
Step two:
Go on a scavenger hunt around town
If you’re looking for a unique experience, consider exploring the town through one of the scavenger hunts put on by DFW Scavenger Hunt. Travel on foot as your host sends you on a quest to solve a puzzle before time runs out. If you like escape rooms, this will be right up your alley, testing your wits while exposing you to the art, culture, and history of Fort Worth. DFW Scavenger Hunt has provided a few destinations to get you started. Visit them for more!
Butch Cassidy and the Sundance Kid: “Lawmen dreamed of nabbing Butch Cassidy and the Sundance Kid for years, but here in Fort Worth they’ve been truly captured, in bronze, along with the rest of the Wild Bunch. Visit the Flatiron Building to see this unique piece of art, and snap a selfie with the gang.” – DFW Scavenger Hunt.
Find the panthers: “A 19th-century insult hurled at the city claimed it was so quiet that a panther was spotted sleeping undisturbed on the streets. The city reclaimed the slight, and now panthers can be found throughout town, including at the Sleeping Panther Fountain in Hyde Park.” – DFW Scavenger Hunt.
Spot the knights: “Here’s a mini-scavenger hunt for you. See if you can find the knight guarding Sundance Square. Here’s a hint: the figure stands on a ledge a few stories up from Main Street in a full suit of armor, a symbol of a secret society that once called this building its home.” – DFW Scavenger Hunt.
Step three:
Enjoy the local food and coffee
If you’re kicking around the idea of renting a home in Fort Worth, make sure to try the local cuisine. Fort Worth does not disappoint, with everything from hip coffee shops to mouthwatering Mexican food.
Joe T Garcia’s: “Joe T Garcia’s serves up more than just delicious Mexican food and drinks. Joe T Garcia’s also serves up the most enchanting garden oasis vibes. You will feel like you’ve found a little piece of heaven while you dig into delicious enchiladas surrounded by lush greenery.” – Clarissa M. of Romantic Spots Fort Worth.
Dr. Sue’s Chocolates: “Dr. Sue’s Chocolates is a great local chocolatier crafting all natural chocolates that are perfect pairings with wine or for gift giving.” – Gina Graves of Messina Hof Winery.
Pax and Beneficia Coffee: “Enjoy a hot or iced coffee at Pax & Beneficia Coffee in the heart of downtown Fort Worth. Each coffee bean is roasted at their Grapevine HQ by their very own roaster, Joan Juan. They take pride in making the best quality of specialty coffee and handmade syrups used in each of their locations and drinks. You also have the option to take their packaged coffee and syrups for an at-home experience.” – Giselle Jimenez of Pax & Beneficia.
Carpenter’s Cafe: “Having the most flavorful chicken salad at Carpenter’s Cafe & Catering will satisfy anyone’s hunger, and call them back to do it all over again. They also have amazing Asian zing nachos and the best smoked turkey club sandwich.” – Black Coffee FW.
Black Coffee FW: “Stop by Black Coffee to start your day with the best latte, cappuccino, or drip coffee you can have in the city. Our staff is friendly and always ready to quench your caffeinated thirst.” – Black Coffee FW.
Step four:
Explore a different part of the city
Fort Worth is a city of rich history and culture. In fact, locals preferred to recommend exploring a specific part of the city in full before moving on. Below are different parts of Fort Worth that each present their own unique culture. Pick one and enjoy all it has to offer!
Take a stroll in the Cultural District: “One of our favorite days spent in Fort Worth is in the Cultural District, specifically strolling the Kimbell Art Museum and the Amon Carter Museum of American Art, both within walking distance to the hotel. Afterwards, you can pop in to The Circle Bar or the patio at Emilia’s at The Crescent Hotel Fort Worth for festive cocktails and dinner in the stunning atmosphere, and enjoy the impressive art program throughout the hotel along the way. After dinner, catch a concert or performance at Dickie’s Arena, less than a five-minute drive from the hotel.” – Lauren Lamp of The Crescent Hotel Fort Worth.
Explore South Main Street: “Beignets, breweries, and The Bearded Lady (It’s a restaurant): if you’re looking for an eclectic neighborhood to explore, ‘SoMa’ is it. You could spend a morning working from Roots Coffeehouse, grab Hawaiian food for lunch at the always-packed Coco Shrimp, finish the afternoon off with a few beers from HopFusion Ale Works and then grab dinner once the sun goes down at Funky Calavera, which has the best birria tacos in Ft. Worth. You might even be able to catch one of your favorite indie bands at Tulips FTW if you time it right!” – Justin Runyon of Runyon Coffee.
Discover Sundance Square: “I have a deep love for Fort Worth and its unique charm. Sundance Square in downtown Fort Worth screams COWTOWN! The architecture, light, and colors in the area are a recipe for success during any photoshoot! Elopements at the Tarrant County Courthouse are becoming very popular and are a joy to photograph. When you visit downtown Fort Worth, she’s right there in all her glory: The courthouse – a stunning pink granite building that’s a true work of art. Inside, it’s like stepping back in time, with ornate staircases, gold accents, and light that make everything feel romantic and magical. Getting hitched at the historic 1895 Tarrant County Courthouse is memorable and special.” – Elizabeth Couch of Elizabeth Couch Photography.
Walk along the Trinity River: “When the weather is nice (say, spring or fall), a stroll along the Trinity River is a fantastic way to get some exercise and enjoy this small river that runs all the way through Ft. Worth. One of my favorite things is to start or end the day at restaurants along the river, like Press Cafe or Woodshed Smokehouse. If you’re a long-distance runner, there’s no better place to train as the trail is around 18 miles long from start to finish!” – Justin Runyon of Runyon Coffee.
Head North for a touch of nature: “As the owner of a portrait studio in North Fort Worth for the past 15 years, I can genuinely say that I love this vibrant community. Nestled in an area rich with scenic beauty and bustling with activity, North Fort Worth has provided the perfect backdrop for my work as a photographer. From the picturesque state parks to the charming downtown area and the iconic Stockyards, I have found endless inspiration for portrait sessions that truly capture the essence of this wonderful region.” – Jennifer Braly of Braly Studios.
Step five:
Grab a drink and reflect
Now that you’ve spent time exploring Fort Worth, it’s time to end the day with a drink and some time to reflect. What did you like about the city? What did you not like? Could you see yourself renting a house in Fort Worth or even buying a home in nearby Dallas?
Atlas Fort Worth: “Get ready for a trip around the world at Atlas. Atlas is a sophisticated, Edgar Allan Poe-inspired, cocktail bar with sophisticated decor, low lighting, and a refined ambiance. At Atlas, you can enjoy great cocktails inspired by a variety of global cultures.” – Clarissa M. of Romantic Spots Fort Worth.
Free Play: “Free Play is the place to be for fun and nostalgia. This epic arcade bar with a huge selection of classic arcade games and pinball machines that provide endless entertainment. Whether you are a Pac-Man fan or Street Fighter is more your vibe, you can enjoy unlimited play on a variety of your favorite retro games while enjoying a craft cocktail or beer.” – Clarissa M. of Romantic Spots Fort Worth.
Messina Hof Grapevine Winery: “We are an urban winery featuring multiple tasting areas with over 40 different wines, premium flights, wine on tap, and delectable small plates. Take in the sunshine as you sip and savor on the patio or balcony and enjoy the view of downtown Main Street. Messina Hof is the most awarded winery in Texas with over 45 years of winemaking experience and is committed to old-world hospitality.” – Gina Graves of Messina Hof Winery.
Martin House Brewing Company and TopGolf: “Nobody puts on a party quite like Martin House. Bring your favorite folding chair and sit alongside the Trinity River while enjoying one of their many, many events throughout the year. After enjoying a few beers for less than $20 and filling up on their food truck offerings, traipse over to TopGolf across the river and tee off for a few hours. You’ll get an action-packed evening with great views of downtown Ft. Worth.” – Justin Runyon of Runyon Coffee.
The San José Mineta International Airport is located in San Jose, California, in the middle of Silicon Valley. If you find yourself traveling into or out of this airport, you may be wondering if there are any lounges in which to relax and avoid the crowds.
There are currently three lounges from which to choose. Below, we’ll dive into all you need to know about the lounges at the San Jose airport.
About San Jose airport lounges
The San Jose airport doesn’t have any airline-affiliated lounges. There are two lounges open to travelers regardless of which airline they’re flying, while the other is accessible only by active U.S. military members.
🤓Nerdy Tip
The San Jose airport has two terminals (A and B), and while there are currently no lounges in Terminal B, you can easily walk between the two.
The Clubs at SJC (Gate A8 and A15)
The San Jose airport offers two lounges, both dubbed The Club SJC: one near Gate A8 and one at Gate A15.
Both offer free snacks and beverages (including soft drinks, beer, wine and liquor), showers, flat-screen televisions with Direct TV and complimentary Wi-Fi.
The Club lounges are open to Priority Pass members and travelers who purchase a day pass at least six hours before their scheduled flight.
While the exact food and drink options can change seasonally, below is an example of what’s currently available:
Breakfast (served until 11 a.m.). Cheesy scrambled eggs with mascarpone, orange ricotta toast, yogurt parfaits, fruit and cereal.
All Day Dining (served after 11 a.m.). Sweet and sour meatballs with rice, smoked turkey, avocado and cheddar slider, masala chickpea rice bowl, trail mix, and chocolate brownies.
Drinks. Specialty cocktails, vodka, whiskey and other hard liquors, red and white wines, beer, and non-alcoholic beverages.
USO Lounge (Between Terminals A and B) – Military only
Located curbside between Terminal A and Terminal B (access from the street-level sidewalk behind the U.S. and California flags).
Offers free snacks and beverages, complimentary Wi-Fi, charging stations, books and a large-screen television.
Access to the lounge is only available to active U.S. military on a pre-arranged basis.
Credit cards with Priority Pass
If you have the right card in your wallet, you will get access to Priority Pass lounges without having to pay out-of-pocket for a membership or a day pass.
Best Priority Pass cards
Chase Sapphire Reserve®
on Chase’s website
Capital One Venture X Rewards Credit Card
The Platinum Card® from American Express
Annual fee
Priority Pass benefits
• Full Priority Pass Select membership.
• Includes two guests per visit.
• Full Priority Pass Select membership.
• No limit on the number of guests allowed.
• No restaurants.
• Full Priority Pass Select membership.
• Includes two guests per visit.
• No restaurants.
Enrollment required. Terms apply.
Learn more
Lounges at the San Jose airport recapped
While the San Jose airport lacks an airline-affiliated lounge, it offers three lounges to travelers — two of which are accessible to Priority Pass members.
If you aren’t a Priority Pass member, you can pay $50 per person for access to either The Club SJC (Gate 8) or The Club SJC (Gate 15), though AAA members will receive a discount.
Active U.S. military members may also access the San Jose airport’s Military Lounge, provided they email the airport in advance to arrange their visit.
To view rates and fees of The Platinum Card® from American Express, see this page.
Ascend Hotel Collection is part of the Choice Hotels International family and represents a series of boutique and luxury hotels, the top tier of the Choice brand.
Those who collect Choice Privileges points may find that these hotels are often an ideal choice when making a redemption since they have a higher profile than other hotels in the Choice portfolio.
If you are looking for a top hotel in the Ascend Collection, there are several options worth exploring.
What is the Ascend Collection?
Ascend Collection hotels deliver the same brand promise as other Choice hotels properties but offer a one-of-a-kind experience.
🤓Nerdy Tip
This soft brand resembles what other hotel companies have, such as Curio Collection by Hilton or The Luxury Collection (Marriott). The Ascend Collection is the top brand within the Choice Privileges program.
How to book Ascend Hotel Collection properties
Choice Privileges doesn’t allow points redemption more than 100 days in advance, so if you are a procrastinator, this program is for you! Unfortunately, Choice does not make it easy to find Ascend Hotel locations, but if you do an online search for your preferred city, the results include the Ascend Hotel Collection logo in the top left corner.
The cost in points varies by property and day, so you will want to check how many points you need on any given night. They range from as few as 6,000 points for a redemption night all the way up to 35,000 points for a standard hotel or as many as 100,000 for an all-inclusive hotel.
Here are some Ascend Hotel Collection locations worth visiting, whether you are planning to redeem points or earn them to redeem on a future stay.
Popular Ascend Collection hotels
With nearly 250 hotels in the soft brand, these Ascend Collection hotels in cities around the world are especially noteworthy.
If you’re looking for a boutique option that offers something local and unique, look no further than these Ascend properties. They are in various countries, such as Australia, Canada, Norway, Turkey, Spain, Sweden and the United Kingdom. Many of them are historic rebuilds.
Hotel Aquarius Venice, Italy
(Photo courtesy of Hotel Aquarius Venice)
The Hotel Aquarius Venice is in the Santa Croce district, which means it is convenient to the train station, about halfway between it and the Rialto Bridge.
Walking through the winding streets of Venice is a favorite pastime of tourists for people-watching and a little exercise. For those who want to arrive at the hotel by boat, it has an entryway to the canal through a small garden door.
Emotions All Inclusive Juan Dolio, Dominican Republic
(Photo courtesy of Choice Hotels)
If you want a Caribbean getaway with all-inclusive meals and drinks, Emotions All Inclusive Juan Dolio has a beachfront location and plenty to enjoy by the water.
There are three outdoor pools, including one in an adults-only area for more peace and quiet. The resort has seven restaurants and a stretch of private beach, providing a vacation getaway that packs in the value.
K Bar S Lodge, Keystone, South Dakota
(Photo courtesy of Choice Hotels)
Within view of Mount Rushmore, the K Bar S Lodge is a short drive from the national memorial. In the gardens, deer and other animals roam past.
Guests can enjoy complimentary breakfast each morning. Other amenities include free parking, an outdoor patio, a whirlpool, and furnished balconies in the rooms.
The Pine Lodge on Whitefish River, Montana
(Photo courtesy of Choice Hotels)
In Whitefish, Montana, The Pine Lodge is an ideal spot for those who want to spend time in the great outdoors.
The hotel is close to Whitefish Lake and the Whitefish Mountain Resort and also has a free shuttle to take guests to and from the airport or train station. Complimentary breakfast is also included.
The Giacomo Hotel, Niagara Falls, New York
(Photo courtesy of Choice Hotels)
The Giacomo is a towering hotel within close proximity to Niagara Falls. It provides restored history, with the building listed on the National Register of Historic Places.
From the front door, guests can walk to the Cave of the Winds, the Maid of the Mist boat tour, and nearby dining.
Hotel Blake, Chicago
(Photo courtesy of Hotel Blake)
Close to Grant Park and Millennium Park and in the Morton Building, Hotel Blake is on the National Register of Historic Places. This hotel is a great option for those who want to be close to tourist hot spots like the Art Institute of Chicago, Navy Pier and Lincoln Park Zoo.
With so many hotels in Chicago, it’s nice to redeem points for a hotel with local history and character.
Blue Angel Hotel NYC, New York
(Photo courtesy of Choice Hotels)
In the heart of Manhattan, Blue Angel Hotel NYC has a lovely al fresco terrace overlooking the city from the seventh floor.
Guests at this boutique hotel also receive a selection of drinks and snacks and a free pass to a nearby health club to use during their stay.
Earn Choice Hotels points quickly
Choice Privileges points can generally be redeemed for a night at a Choice hotel for between 6,000 and 35,000 points, but before you start using your Choice Privileges points, you have to earn them. Beyond qualifying hotel stays, another way to amass a large number of points is to earn a sign-up bonus from a Choice Hotels credit card.
Here’s how the company’s two co-branded cards compare.
How the cards compare
Choice Privileges® Select Mastercard®
Choice Privileges® Mastercard®
Annual Fee
Sign-Up Bonus
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 rewards nights at select Choice Hotels® properties..
Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months – enough to redeem for up to 5 rewards nights at select Choice Hotels® properties..
Still not sure?
If you seek more flexibility in redeeming miles for hotel stays, consider applying for a more general travel credit card instead. A more general travel credit card differs from a hotel card in that you can book lodging at multiple hotel chains, rather than reaping the benefits of staying loyal to a single brand.
The more high-end the travel credit card, the more benefits you can enjoy, including airport lounge access or automatic elite status in certain programs. That said, a brand-specific hotel card can net benefits like late check-out or free breakfast, which can have meaningful dollar value.
Choice Privileges’ soft brand, Ascend Hotel Collection
These one-of-a-kind boutique hotels allow Choice Privileges members to earn and redeem points at independent hotels that prove unique to their area. Each hotel has its own character and amenities, but for those looking for a hotel with its own style and substance, Ascend Hotels are a perfect fit.
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 2024, including those best for:
Living in Indiana provides residents a blend of urban excitement and small-town charm. Here, residents enjoy a laid-back lifestyle amidst bustling city centers and scenic countryside. From the dynamic energy of Indianapolis, the state’s capital and cultural hub, to the historic allure of towns like Bloomington, home to Indiana University, the “Hoosier State” provides a diverse range of experiences. However, there are cons to living there. In this ApartmentGuide article, we’ll dive into the pros and cons of living in Indiana to give you some insight into what life is like.
Renting in Indiana snapshot
1. Pro: Vibrant cultural festivals
Indiana is home to a variety of cultural festivals that celebrate its rich heritage and diverse communities. The state hosts events such as the Indy Film Fest and the Feast of the Hunters’ Moon in West Lafayette, providing residents and visitors a chance to experience the arts, history, and culinary delights of different cultures.
2. Con: Tornadoes and flooding risk
The “Hoosier State” faces certain risks such as tornadoes and flooding, particularly in the spring and summer months. Tornadoes can occur sporadically throughout the state, posing a threat to residents and property, while heavy rainfall can lead to flash flooding in low-lying areas.
3. Pro: Affordable cost of living
The cost of living in Indiana is relatively low compared to many other states. This affordability is evident in housing, utilities, and daily expenses, making it an attractive place for people looking for a more manageable financial lifestyle. Evansville, is a great example of this affordability as it has a median home sale price of $152,450 and an average rental price of $777 for a one-bedroom apartment.
4. Con: Limited public transportation
Indiana’s public transportation options are limited, especially in rural and suburban areas. This can pose challenges for those who do not own a vehicle or prefer not to drive, impacting their ability to easily access certain amenities. For instance, Terre Haute has a transit score of 19, meaning that almost all errands require a car.
5. Pro: Educational opportunities
Indiana has a strong educational system, with prestigious institutions like Purdue University in West Lafayette and Indiana University Bloomington. These universities not only provide excellent higher education opportunities but also contribute to local economies and cultural vibrancy.
6. Con: Air quality concerns
Some areas in Indiana face air quality issues, largely due to industrial activities and vehicle emissions. Since most residents rely on their cars to get around, Indiana has a reputation of facing pollution, especially in larger cities like Indianapolis. This environmental concern can affect residents’ health, particularly those with respiratory conditions, and efforts are ongoing to address and improve air quality across the state.
7. Pro: Thriving sports culture
Indiana has a rich sports culture, with a passionate following for basketball at all levels. From high school to professional leagues, with teams like the Indiana Pacers and the Indianapolis Colts. The state also hosts significant sporting events, such as the Indianapolis 500, attracting fans from around the world.
8. Con: Seasonal allergies
Indiana’s climate and diverse vegetation contribute to high seasonal allergies, with pollen levels often peaking in the spring and fall. Common allergens include tree pollen from species like oak, maple, and birch, as well as grass pollen during the summer months.
9. Pro: Natural beauty and outdoor activities
From the sand dunes of Indiana Dunes National Park along Lake Michigan’s shores to the scenic trails and waterfalls of Turkey Run State Park, there are ample opportunities for hiking, camping, and exploring nature. Additionally, Indiana’s numerous lakes, rivers, and reservoirs offer opportunities for fishing, boating, and water sports, providing endless recreational options.
10. Con: Limited job opportunities
Indiana, while home to thriving industries like manufacturing and healthcare, may offer limited job opportunities in specialized fields compared to larger urban areas. For example, in rural areas, residents may find fewer job openings in sectors such as technology or finance, requiring them to seek employment in larger cities.
11. Pro: Community spirit
Indiana is known for its strong sense of community and hospitality. Neighborhoods and towns across the state host local events, from farmers’ markets to county fairs, fostering a sense of belonging and togetherness among residents.
12. Con: Infrastructure challenges
Despite ongoing improvements, Indiana faces infrastructure challenges, including aging roads and bridges. In fact, Indiana received a C- on its 2021 Infrastructure Report Card highlighting the need for road repair. These issues can impact travel efficiency and safety, and addressing them is a priority for ensuring the state’s continued growth and development.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
It seems the cruise lines are all trying to outdo each other by seeing who can build the biggest ship with the most bells and whistles. However, bigger is not always better. Some ports can’t fit the mega ships or accommodate the large number of passengers they bring with them. Other times, the cruise is all about the itinerary and not the ship.
That’s the case with the Celebrity Millennium, the namesake of Celebrity Cruises‘ Millennium class of ships which also includes the Infinity, the Constellation, and the Summit.
All four ships are on the smaller side when compared to Celebrity’s Solstice and Edge class ships, and they don’t have all of the latest and greatest amenities, but they’re very adequate, especially for port-intensive itineraries in Asia.
Celebrity Millennium overview
The Millennium is an older ship, with its maiden voyage taking place on July 1, 2000. However, in 2019 it received an extensive upgrade as part of Celebrity’s fleet-wide modernization effort, which cost the cruise line more than $500 million. The Millennium currently has a guest capacity of 2,218 with 11 guest decks.
The ship’s home port is in Tokyo, and it has spent the past few seasons sailing itineraries around Asia, notably taking passengers to various ports of call in Japan. It will remain there at least through the 2025-2026 season.
Unlike some cruise ships, the Millennium spends a lot of time in port, visiting up to eight ports on a 12-night itinerary. This means the ship is more often a place to eat and sleep when you’re not out exploring, instead of a destination itself — the onboard entertainment options are just an extra bonus.
Millennium accommodations
There are a total of 1,109 staterooms on the Millennium, and 58% of them feature a veranda. There are 10 different room types from which to choose — they range from luxurious suites to concierge-level rooms to basic interior staterooms.
The photo below shows a veranda stateroom on Deck 6, with 170-square feet of space and a 38-square foot balcony. The large bed can also be separated into two twin beds if needed. In addition to the area pictured, the room also features a refrigerator, drawers, a closet and a safe.
Veranda stateroom. (Photo by Tiffani Sherman)
The veranda room also comes with a small desk area near the sliding glass balcony door. The desk features several outlets for charging your electronics: two American-style outlets, two USB-A ports and one European-style outlet. There are additional outlets near the bed.
Desk in veranda stateroom. (Photo by Tiffani Sherman)
A small bathroom features a walk-in shower along with a toilet and vanity.
Veranda stateroom bathroom. (Photo by Tiffani Sherman)
The balcony was set up with two chairs and a small table, and included dividers on each side for privacy from the neighbors.
Celebrity Millennium veranda. (Photo by Tiffani Sherman)
🤓Nerdy Tip
Bring a small clock with you if you’re sailing on the Millennium. There isn’t one in the room, and it’s nice to know what time it is without having to pull out your phone.
Millennium cabin types
In addition to the veranda stateroom described above, the Millennium has several other room types:
Inside cabins and ocean view staterooms: These rooms provide 170-square feet of space and either no windows or a porthole window with ocean view, but no balcony.
Concierge Class staterooms: Concierge class rooms come with a veranda and are slightly larger at 209-square feet. These rooms have a dedicated concierge and provide passengers with access to exclusive events.
Aqua Class staterooms: For those interested in a wellness-focus, these rooms come with a veranda, premium bathroom amenities, complimentary fitness classes, access to the Persian Gardens thermal suite and complimentary dining at Blu, a “clean cuisine” restaurant solely for Aqua Class passengers.
The Retreat: This exclusive section on the ship is reserved for four different types of suites. The cabins are larger — two penthouse suites clock in at 1,432-square feet each — and guests have access to a private lounge and sundeck as well as a dedicated restaurant, Luminae. In addition to the two penthouse suites, there are 48 smaller suites on offer.
Dining on the Celebrity Millennium
The Celebrity Millennium is a bit of a throwback to the days where the main dining room was the main attraction, with the Metropolitan dining room taking center stage. However, there are several other dining options on board, ranging from a buffet to specialty restaurants that cost extra.
Metropolitan dining room
The Metropolitan dining room is the main dining venue on Decks 4 and 5. The lower deck offers anytime seating where guests can come and go when they want. The seating on Deck 5 is divided into early and late seating, where passengers show up for meals at a set time.
Parts of the restaurant are open for breakfast, lunch, and dinner and the dinner menu changes nightly. Dining in the main dining room is included in the cruise fare.
Main Dining Room. (Photo by Tiffani Sherman)
The Oceanview Café
The Oceanview Café is the buffet on Deck 10 that has a variety of food stations to choose from.
The Oceanview is open for all meals and for late-night pizza. The offerings change daily for lunch and dinner, while the breakfast menu stays pretty much the same.
The Oceanview is also where many special events happen, like special Christmas and New Year’s buffets.
Other free dining venues
Other free dining venues on the Millennium include:
Café al Bacio on Deck 5 has coffee drinks, both boozy and traditional, as well as a case with breakfast pastries in the mornings and desserts all day.
Spa Café on Deck 10 in the Solarium has healthy dishes for free and a juice/smoothie bar (which you have to pay for unless you have a premium or non-alcoholic drink package).
The Mast Grill is near the outdoor pool and has grilled hamburgers, veggie burgers, turkey burgers and hot dogs. It’s also the place to get great French fries that are perfect to eat while getting some sun near the pool.
Mast Grill. (Photo by Tiffani Sherman)
Restaurants for Aqua Class and Retreat passengers
There are also two restaurants that are exclusively for those staying in certain cabin types.
Luminae on Deck 4 is for guests staying in suites in The Retreat. It is always open for breakfast and dinner and serves lunch on days at sea.
Entrance to Luminae. (Photo by Tiffani Sherman)
Blu is on Deck 5 and is for guests staying in AquaClass cabins. It is open for breakfast and dinner.
Inside Blu. (Photo by Tiffani Sherman)
Specialty dining restaurants
The Celebrity Millennium also has four specialty dining venues that either have a prix fixe menu or a la carte fare:
Le Petit Chef at Qsine combines food, entertainment and 3D mapping to create a unique dinner show experience.
The Tuscan Grille is a combination of an Italian restaurant and a steakhouse.
Sushi on Five is exactly what it says it is, a sushi restaurant on Deck 5.
The Gelateria is also on Deck 5 and serves gelato charged by the scoop.
Sushi on Five. (Photo by Tiffani Sherman)
🤓Nerdy Tip
If you want to dine at all of the specialty dining restaurants, a specialty dining package can save you some money instead of paying each cover charge separately.
Bars and lounges
As with any cruise, there’s no shortage of places to partake in a cocktail or enjoy a glass of wine. Drinks and lounges are available on each deck, and you can carry drinks from place to place.
The Sky Lounge is located on Deck 11 and features great ocean views as well as music and dancing after dark.
Cellar Masters is on Deck 5 near the Metropolitan Restaurant. Wine is the specialty here and they serve vintages that are not available at other bars.
Entrance to Cellar Masters. (Photo by Tiffani Sherman)
🤓Nerdy Tip
Make sure you understand the pricing limits if you have a drink package. The classic drink package includes most items up to $10. The Premium package includes items up to $17. If you order something that costs more than your package limit, you will have to pay the difference.
At the Martini Bar and Crush on Deck 4, bartenders put on a show for guests while constructing complicated drinks, all atop an ice-covered bar.
Martini Bar and Crush. (Photo by Tiffani Sherman)
The Rendezvous Lounge is on Deck 4 near the lower level of the Metropolitan Restaurant. It’s a great spot for a pre-dinner cocktail or after-dinner dancing.
The Rendezvous Lounge. (Photo by Tiffani Sherman)
The Sunset Bar is also the outside seating area for the Oceanview Café on Deck 10. It’s a great place to watch the wake when the ship is sailing or catch some live music in the evenings.
The Sunset Bar. (Photo by Tiffani Sherman)
The Sunset Bar. (Photo by Tiffani Sherman)
Public areas
The Celebrity Millennium is one of the line’s smaller ships. There is a main atrium area that runs through Decks 3, 4 and 5.
Main atrium area. (Photo by Tiffani Sherman)
If you need to visit guest services or the shore excursion desk, both are in this central area on Deck 3.
Shore excursions desk. (Photo by Tiffani Sherman)
The Theater spans Decks 4 and 5. During most cruises, there are several shows featuring singers, dancers and aerialists as well as other shows with musicians and comedians.
Theater entrance on Deck 5. (Photo by Tiffani Sherman)
The Casino is on Deck 4. It is closed while in port, but open when at sea. There are plenty of slot machines, roulette wheels, blackjack tables and more.
Celebrity Millennium casino. (Photo by Tiffani Sherman)
Pools and outdoor venues
The Celebrity Millennium has two main pools. One is outdoors and for all ages. The other, dubbed The Solarium, is indoors and for adults only. Both are on Deck 10.
The main pool has chairs situated around its perimeter. Some are in the sun while others are under cover. There are also several hot tubs passengers can use here. A dual-purpose jogging and walking track circles the pool up on Deck 11.
Main pool. (Photo by Tiffani Sherman)
The Solarium is near the front of the ship and features a relaxing waterfall. The Spa Café is nearby, as well as the entrance to the spa itself.
The Solarium Pool. (Photo by Tiffani Shernan)
Padded chairs and hot tub in the Solarium. (Photo by Tiffani Sherman)
Sports decks
A multipurpose sports court is located on Deck 12. At times, it’s used as a basketball court, while other times it is for pickleball.
The sports court. (Photo by Tiffani Sherman)
There are also nearby cabanas for taking a break between games.
Cabanas near the sports court. (Photo by Tiffani Sherman)
The Rooftop Terrace
Above the Sunset Bar on Deck 12 is the Rooftop Terrace, a space with cabanas, comfortable chairs and an outdoor movie screen.
Movie screen. (Photo by Tiffani Sherman)
Shopping
Shopping is not a big focus on a smaller ship like the Celebrity Millennium, but there are a few shops on Deck 5. You can find necessities like toiletries, as well as indulgent items like jewelry.
A shop with clothing and other items. (Photo by Tiffani Sherman)
Celebrity Millennium recapped
The Celebrity Millennium may not be the newest or biggest cruise ship, but it’s an adequate vessel for port intensive itineraries like Asia, where it will be sailing at least through the 2025-2026 season.
If you’d like to sail on the Millennium, itineraries range from 11 to 14 nights and may include stops in Hong Kong, India, Indonesia, Japan, Malaysia, Singapore, South Korea, Sri Lanka, Taiwan, Thailand and Vietnam.
Top photo by Tiffani Sherman.
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 2024, including those best for:
If you’re considering booking a flight with Turkish Airlines or redeeming Miles&Smiles miles for a flight operated by a partner airline, it’s good to be aware of its cancellation and refund policies. If your plans aren’t firm, you can weigh the pros and cons of making the booking in the first place.
But even with the best laid plans, things might need to be changed at the last-minute. Below is what you need to know about Turkish Airlines’ cancellation policy for cash and award tickets.
Turkish Airlines 24-hour cancellation policy
The Turkish Airlines refund policy abides by the U.S. Department of Transportation 24-hour rule.
Free cancellations are available within 24 hours on flights to or from the United States booked at least seven days before departure. You may receive a full refund back to the payment card if you cancel a flight within this risk-free cancellation period.
Turkish Airlines flight cancellation policy
Turkish Airlines’ cancellation policy varies depending on your destination, ticket type and fare class.
The airline sells various tickets across two cabins, economy and business. For example, for domestic travel in economy class, you can book an EcoFly, ExtraFly or PrimeFly ticket.
Let’s break it down.
Turkish Airlines cancellation policy for domestic flights (within Turkey)
Cancellations made within one hour of departure
Not allowed.
Not allowed.
Not allowed.
Not allowed.
Cancellations made between one and 12 hours before departure
Not allowed.
Penalty of 560 Turkish lira ($18.35).
Penalty of 490 Turkish lira ($16.06).
Penalty of 820 Turkish lira ($26.87).
Cancellations made more than 12 hours before departure
Penalty of 525 Turkish lira ($17.20).
Penalty of 375 Turkish lira ($12.29).
No penalty.
No penalty.
Non-refundable fare classes
Q, T, L, V, P, W, U.
V, P, W, U.
The cancellation policy differs for Turkish Airlines flights between Turkey and Cyprus. You can find those fare policiesh here.
Turkish Airlines cancellation policy for international non-branded fares
Semi-flexible
Not allowed.
Permitted, subject to deductions.
Permitted, subject to deductions.
Not allowed.
Permitted, subject to deductions.
Permitted, subject to deductions.
Turkish Airlines cancellation policy for international branded fares
The following rules apply to economy tickets.
Not allowed.
$70 change fee. No refunds.
$0 change fee. $140 refund fee.
And the following rules apply to business class fares.
BusinessFly
BusinessPrime
$70 change fee. No refunds.
$0 change fee. $0 refund fee.
How to cancel a Turkish Airlines flight
You can cancel a Turkish Airlines flight by accessing your booking information from the Manage Booking page. Enter the record locator and the passenger’s last name, and your booking details will populate on the next page. From there, you’ll have the option to change or cancel your flight.
You also can cancel your flight by dialing the Turkish Airlines call center at 800-874-8875. Follow the prompts, and a customer service agent will be available shortly.
How to cancel a Miles&Smiles award flight
If you need to cancel a Turkish Airlines award flight booked with Miles&Smiles miles, you can do so online or by calling the Turkish Airlines U.S. call center at 800-874-8875.
To get your miles redeposited, you must pay a fee of:
150 Turkish lira ($4.91) for domestic flights.
$70 for international flights.
In case of a no-show, you can get your miles back as well for the following fee:
200 Turkish lira ($6.55) for domestic flights.
$150 for international flights.
Depending on how many Turkish Airlines miles you redeemed, the fees to get them back in your Miles&Smiles account aren’t terribly high.
Other ways to get your money back
Even if you’ve purchased a ticket that doesn’t allow refunds, you may still be able to get your money back, depending on how you booked and if you’re covered with travel insurance.
Cards with travel insurance benefits
Chase Sapphire Preferred® Card
on Chase’s website
Chase Sapphire Reserve®
on Chase’s website
The Platinum Card® from American Express
Ink Business Preferred® Credit Card
on Chase’s website
Annual fee
Travel protections (not a comprehensive list)
• Trip delay: Up to $500 per ticket for delays more than 12 hours.
• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Baggage delay: Up to $100 per day for five days.
• Lost luggage: Up to $3,000 per passenger.
• Trip delay: Up to $500 per ticket for delays more than 6 hours.
• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.
• Baggage delay: Up to $100 per day for five days.
• Lost luggage: Up to $3,000 per passenger.
• Trip delay: Up to $500 per trip for delays more than 6 hours.
• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Lost luggage: Up to $3,000 per passenger.
Terms apply.
• Trip delay: Up to $500 per ticket for delays more than 12 hours.
• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
• Baggage delay: Up to $100 per day for five days.
• Lost luggage: Up to $3,000 per passenger.
Learn more
For The Platinum Card® from American Express, note the following disclaimers:
Trip delay:
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Underwritten by New Hampshire Insurance Company, an AIG Company.
Trip cancellation:
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Underwritten by New Hampshire Insurance Company, an AIG Company.
Trip interruption:
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Underwritten by New Hampshire Insurance Company, an AIG Company.
Loss luggage:
Assuming your reason for cancellation meets certain eligibility requirements, you can get a refund. Examples of covered reasons to cancel a trip include a qualifying illness or injury, severe weather, jury duty, quarantine and more.
It’s also possible to purchase travel insurance from a third party to ensure you’re covered for your trip.
🤓Nerdy Tip
If you’re not certain of your travel plans, purchase an upgrade called Cancel For Any Reason (CFAR) insurance, which allows you to cancel your bookings and receive up to 75% of your money back, regardless of why you cancel.
The bottom line
Depending on where you’re traveling and the fare you booked, Turkish Airlines flights can be eligible for refunds, but the less expensive fares tend to include a penalty clause for you to get your money back.
The Turkish Airlines 24-hour risk-free cancellation policy allows you to cancel a U.S.-bound or U.S.-departing flight for free as long as it departs more than seven days in the future.
As far as canceling award tickets, you’ll be charged up to $70 to get the miles redeposited into your Miles&Smiles account.
To view rates and fees of The Platinum Card® from American Express, see this page.
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 2024, including those best for: