While presidential ballots are being tallied and argued about, mortgage rates tend to sit still and wait. So rates are unlikely to move much in November until the result of this year’s presidential election is clear and broadly accepted — even if it takes time to reach a consensus.
The elections of 2000 and 2020 offer examples for what we might see in the 2024 go-round.
In 2000, the outcome of the election depended on the result in Florida, where razor-thin margins led to five weeks of recounts and lawsuits. According to Freddie Mac, the 30-year mortgage rate stayed between 7.73% and 7.79% for the first three weeks of that saga before dropping to 7.54% in December, in the week before the Supreme Court stopped the vote recounts in Florida.
In 2020, it took four days for the TV networks and the Associated Press to conclude that Joe Biden had won the election. But Donald Trump didn’t concede, injecting uncertainty into the proceedings. In the 12 weeks from Election Day to the inauguration, the 30-year mortgage remained in a rather tight range: as high as 2.84% and as low as 2.65%. It averaged either 2.71% or 2.72% for four weeks in a row.
November’s mortgage rate forecast is for rates to remain relatively unchanged until doubt has evaporated. The direction of mortgage rates is anyone’s guess after that, depending on who wins the White House and which parties will control the House and Senate.
What happened in October
At the end of September, NerdWallet writer Kate Wood noted that mortgage rates had fallen for five months in a row, “but October could break the streak.” That’s what happened, which is good for her forecast record but bad for borrowers. In NerdWallet’s daily survey, the 30-year mortgage rate rose about 60 basis points (a basis point is one one-hundredth of a percentage point). It averaged 6.75% in the last week of October in NerdWallet’s survey, compared to 6.16% in the last week of September.
October’s rise in mortgage rates threw a wet blanket over the market. “After a brief burst of activity in September when rates were almost 60 basis points lower, overall applications have declined 27%, driven by a pullback in refinances,” said Joel Kan, deputy chief economist for the Mortgage Bankers Association.
Fed and mortgages moved in opposite directions
The Fed justified its rate reduction by noting that job gains had slowed and inflation had been falling toward the central bank’s 2% goal. That was true at the time of the Fed meeting. But then, a couple of weeks afterward, two economic reports were released that contradicted the Fed’s confident analysis:
Inflation ticked up to 2.7% in August from 2.6% in July, as measured in the Fed’s favorite inflation gauge, the core PCE price index. Markets had been expecting this. Nevertheless, inflation moved in the wrong direction.
Nonfarm payroll jobs grew by 254,000 in September, the most vigorous growth since March. This result surprised markets, which had expected slower job growth.
Healthy job creation can fuel inflation — and mortgage rates are sensitive to inflation. So the news of the robust economy was followed by a month of rising mortgage rates.
The Fed is expected to continue moving in the opposite direction by cutting short-term interest rates a quarter of a percentage point when it meets Nov. 6 and 7. But look for the Federal Reserve‘s action to be overshadowed by the election’s aftermath.
What other forecasters predict
Forecasts from Fannie Mae, the Mortgage Bankers Association and the National Association of Realtors all imply that mortgage rates will fall in the final three months of this year and gradually decline all next year. The three organizations predict that the 30-year mortgage will average 6% to 6.3% from October through December, and to settle below 6% in the final three months of 2025.
As of the end of October, the 30-year mortgage has averaged 6.43% in the fourth quarter. For the predictions of lower rates in the fourth quarter to pan out, mortgage rates would need to fall decisively in November and December. Time is running short for that to happen.
A full-time job isn’t always enough to achieve your financial goals. That’s why nearly 40% of U.S. adults have a side gig, according to a 2023 Bankrate survey. Making extra moneycan help you pay off debt, save to buy a house, or catch up on retirement savings.
Fortunately, there’s a wide range of side hustles and passive income streams that can help you tackle financial to-dos or even take your wealth to the next level, says financial blogger Kelan Kline. A side hustle is typically an additional job a person can take to earn extra money to supplement their primary income. On the other hand, passive income can be income that requires little or no effort to maintain.
Kline should know. When he and his wife Brittany were saddled with student loan debt, they launched The Savvy Couple—a blog focused on side hustles and money management tips—to help them earn extra income.
“It became a full-time business that allowed us to quit our 9-to-5 jobs in law enforcement and helped teach us to fast-track our financial freedom,” Kline says.
While most secondary gigs won’t turn into new careers, they can add a spark to your savings. So, what are some side hustle and passive income ideas that can help you make extra money? Read on to see which types of side hustles and passive income ideas can inspire you to accelerate your financial targets—and learn how your new income streams can work together to generate even more cash.
What is a side hustle?
A side hustle is any income-generating work outside of your primary job—anything from food delivery to selling items online. People use the extra income to improve their financial health, from building up savings to preparing for a big purchase.
What are some side hustle ideas?
“To find a side hustle, you should think about your existing skills and interests to narrow down what kind of opportunity you’re looking for,” says Randa Kriss, small business specialist at NerdWallet.
We’ve collected some side hustle ideas you can try without too much previous experience to help you make extra dough—or even find a new job:
(All earnings information courtesy of ZipRecruiter🙂
Ride-sharing
Ride-hailing or ride-sharing apps make it easier for people to get around on demand, while creating a market for drivers and their cars. For many ride-share drivers, this is their primary source of income, but it can also be a convenient side hustle option.
“Driving for a ride-sharing service is a great way to make some extra money,” Kline says. “It allows you to be your own boss and set your own hours, which can be especially beneficial for people who have a flexible schedule or want to supplement their income.”
Approximate earnings: $13 an hour
Delivery driving
Don’t want to drive strangers around? Deliver food instead. Many delivery service apps need drivers to drop off grocery hauls and restaurant takeout.
“Delivery driving is a great way to earn some extra money on the side, while also having some time to decompress,” says Jacqueline DeMarco, a freelance writer specializing in personal finance content. “Driving can be stressful, but it’s a lot less stressful without passengers in the car. You can even listen to podcasts or audiobooks to make it feel like less of a chore.”
Approximate earnings: $18 an hour
Grocery shopping
Grocery delivery services also need people who can shop for items before they’re delivered. Once you sign up and choose a nearby supermarket, customer orders will pop up on your phone. Efficient shoppers who can quickly navigate local stores are making extra money by filling up shopping carts—and you could, too.
“Enjoy the free air conditioning while you fulfill grocery orders,” DeMarco says.
You can even take care of your own grocery needs once your customer orders are fulfilled. You may be less tempted to order expensive takeout if you’re already in a supermarket.
Approximate earnings: $16 an hour
Tour guide
If you love your area and have an engaging personality, become a local tour guide.
Being a tour guide can be a great way to meet new people and show them a city or neighborhood you’re passionate about—all while making extra money. You might need to pass a test to work for certain organizations, and many tours use a pay-what-you-like model so the income can be inconsistent. But it’s a side hustle with growth potential, DeMarco says.
“You can learn the ropes working for a tour guide company or app, then eventually take that knowledge and start your own tour guide business,” she says. “That way, you don’t have to share the profits.”
Approximate earnings: $19 an hour
Virtual assistant
Virtual assistants aren’t algorithms or chatbots—they’re real people. Virtual assistants can work from almost anywhere in the world as they perform digital tasks like scheduling, fielding emails, and even managing social media for companies or individuals.
“It’s an excellent option for people who have administrative and organizational skills, as well as the ability to work independently,” Kline says.
Approximate earnings: $24 an hour
Babysitting
If you’re trustworthy, responsible, and enjoy working with kids, babysitting is a great opportunity. And once you start establishing solid relationships with parents, it can evolve into a regular gig that provides a stable income. You can list your services on online platforms catering to babysitters.
When DeMarco was a babysitter, she also worked on freelance writing assignments while the kids slept, which helped her to maximize her side income opportunities. “If you love kids, it’s a fun way to earn extra cash,” she says.
Approximate earnings: $18 an hour
“To find a side hustle, you should think about your existing skills and interests to narrow down what kind of opportunity you’re looking for.”
Pet sitting
Are fur babies more your thing? Countless pet sitting opportunities exist—especially now that more people have returned to on-site work since the pandemic pet adoption boom. Multiple apps and sites allow you to list your pet sitting services. Just make sure you emphasize any experience you have as a pet sitter or a pet owner.
Approximate earnings: $16 an hour
House sitting
Many homeowners prefer to have someone stay over or regularly check in on their property (and also maybe look after their pets). House sitters not only get paid but often have full access to the home’s amenities, which might even include a pool or home theater.
“A lot of my babysitting clients would ask me to house sit or pet sit when they were out of town,” DeMarco says. “The best part about side hustles like this is you only have to say yes to a job when it works for your schedule.”
Approximate earnings: $17 an hour
Studies and focus groups
Research companies always need focus group participants. Whether they meet remotely or in person, these groups may give feedback on new products or provide insights that help organizations develop new services.
“Participating in focus groups and studies can be an interesting way to make extra money,” says Kline. “It is a great option for people who have flexible schedules, as it does require some time commitment and availability.”
Approximate earnings: $27 an hour
Translation work
Are you fluent in multiple languages? If so, you can put that skill to work. Translation duties can include working with marketing copy or medical and legal documents, so additional expertise may be necessary. And certain languages may offer more opportunities—and more money—than others, so research apps and online job boards to gauge the demand for your specific language skills.
Approximate earnings: $28 an hour
Graphic design
You can start a side hustle creating logos, visual assets for social media, or custom stickers for events or companies if you have the skills—or the willingness to learn. Creating designs for a friend or family member at a discount rate and posting them to your online portfolio is one way to gain experience and attract more—and higher-paying—clients.
“Graphic design can be a great side hustle for people who have an eye for design,” Kline says. “It is also a relatively easy and low-cost way to get started.”
Approximate earnings: $27 an hour
DIY for hire
Can you install a light fixture, assemble furniture, shovel snow, or paint a room? You can get paid for those tasks by signing up as a service provider on any freelance labor marketplace or app.
Approximate earnings: Varies depending on the job
Data entry
Data entry can be repetitive work, but the advantages extend beyond the ability to do it from home. Tasks can range from transcribing audio for a documentary filmmaker to inputting a company’s financial records on a spreadsheet. And the work is easy to find, as many job sites list part-time data entry roles.
“Data entry jobs typically require minimal training and can be done on a flexible schedule,” Kline says.
Approximate earnings: $19 an hour
Tutoring
Tutoring can be a flexible side hustle, too. You can work with students remotely or in person—from elementary school kids who need help after school to high school and college students who need weekend guidance to help them cram for exams.
“Tutoring can be a great way to make some extra money if you have the knowledge and skills,” Kline says. “It is also an excellent way to give back and help others.”
Approximate earnings: $20 an hour
Background acting
The people in the background of your favorite movies and TV shows actually get paid. And you don’t need to live in Los Angeles or New York City to find those roles. Production companies and university film students often post online ads for background acting opportunities across major U.S. cities. The time commitment will likely vary, but the extra money—and on-location craft service spreads—can make it worth your time.
“You can learn more about the film industry and meet interesting people,” DeMarco says.
Approximate earnings: $27 an hour
How can a side hustle complement a passive income strategy?
While side hustles and passive income ideas can both add income to your bottom line, they aren’t the same thing. So, what is passive income?
Unlike a job or side hustle, passive income does not require much, if any, additional effort. Examples include stock dividend payments, property rental income, and book or music royalties.1
Of course, no one will show up at your house and start handing you cash. Usually, a passive income stream will require some initial effort and an upfront cost to set up, but ideally, it requires minimal effort once the wheels are in motion. That initial effort or investment might mean that passive income streams won’t be as accessible as side hustles, at least not until a little later in life.
“Having both a side hustle and passive income can be incredibly powerful when it comes to building financial freedom,” Kline says. “For example, you could use the money from your side hustle to invest in stocks and bonds, which can generate dividend payments.” (Please consult your tax advisor with respect to information contained in this article and how it relates to you.)
Or you could use the money earned from a side hustle to eventually purchase a rental property, which can generate long-term passive income, Kline says.
“Ultimately, having both sources of income can help you achieve your financial goals faster,” he adds.
Most passive income streams could be considered a form of investment. But this includes much more than buying and selling stock in companies. Anything you purchase with the intent to make more money from could be considered an investment.
Consider these additional ideas for making extra money:
Dividend investing
“Dividend investing is a great way to earn passive income,” Kline says. “It involves purchasing stocks or bonds that pay out dividends, which could be a great source of income over time.”
You should do research or consult an investment professional to learn which companies offer the best mix of dividend payments versus risk. Most dividend-paying stocks pay out quarterly, though some may pay out more or less frequently. The amount paid will be a percentage of your holdings, likely in the low single digits.
Dividends can be a reliable source of income for retirement, and advocates of the Financial Independence, Retire Early (FIRE) strategy for early retirement often recommend investing in dividend-paying stocks.
“Having both a side hustle and passive income can be incredibly powerful when it comes to building financial freedom.”
Rental income
There are many different types of property you can buy in order to rent out, depending on what’s available in your area or what investments you’re willing to consider.
Consider these different types of rent-based passive income ideas:
Long-term home or apartment rental
Leasing out a home or apartment can be a reliable and significant source of passive income, but it’s also a very involved process. You’ll need to learn the rental regulations for your area and your obligations to your potential tenants. Unless you can afford to pay someone to manage the property, the upkeep may resemble a job of its own.
Short-term rentals
If you have a spare room or vacation property, you could list it on a short-term rental platform or app.
“It’s a relatively easy way to make money by renting out your unused space or investment property,” Kline says.
While this may not provide the same degree of reliable income as a long-term lease, it’s easier to get started. Plus, utilizing black-out dates means you still get to access your space when you want, while having the opportunity to make an income from it when you don’t.
Other rental spaces
A spare parking or storage space can also be a source of passive income, and several apps and services exist for listing them. Best of all, renting out a space you never use, like a garage spot, requires little effort to earn reliable passive income.
Rent out your car
You can even list your car on some auto rental apps to earn money. If you don’t mind the additional wear and tear on your car—or the idea of other folks driving it—this could be a good way to make your car work for you. Just be sure to check with your car insurance provider to see if you need to carry additional coverage before booking your first renter.
What can you do with your additional funds?
Wondering what to do with the extra cash you earn from implementing side hustle ideas and passive income ideas is a great problem to have. But what are your options? Sometimes, you’ll want to reinvest in a side hustle (like upgrading the ties in a car you use for ride-share driving) or in a passive income strategy (such as painting the walls of your rental property).
Often, you’ll need a safe place to store your money that will still give you a generous return so that it keeps growing until you know what to do with it. Here are some low-risk options that can deliver growth on your additional cash:
Savings accounts
Savings accounts can provide a safe place to put your extra cash as long as you’re depositing your funds at an FDIC-insured institution. The interest your deposits earn can also be a source of portfolio income, which can include interest, dividends, and capital gains on investments.
CDs
Choose your term, lock in your rate, and watch your CD grow
Discover Bank, Member FDIC
A CD, or certificate of deposit, is similar to a standard savings account but with one key difference: CDs tend to have higher interest rates, which means they can also provide portfolio income. As a tradeoff, you’re expected to leave the money in the account for a specific amount of time, and there’s often a fee for early withdrawal. It helps to know how CDs work to get the most out of them.
Money market accounts
Money market accounts are similar to CDs in that they offer greater returns in exchange for restrictions. You won’t need to wait multiple years to withdraw your funds from a money market account, but there likely will be a limit on how often you can withdraw funds, and you might need to maintain a minimum required balance amount.
Retirement accounts
Certain jobs will offer retirement accounts, like 401(k) plans, as a benefit of employment. Whether you have a 401(k) plan or not, you can open up an individual retirement account, known as an IRA—either a traditional IRA or a Roth IRA. The primary difference has to do with when you pay taxes on the money in the account. For a traditional IRA, you pay taxes when you withdraw funds from the account. For a Roth IRA, you pay taxes on the money as it’s put into the account. For either, you may have to pay a fee if you withdraw your money before retirement. Always check with your plan provider for specific rules and fees related to early withdrawals.
There are even more choices to make. For example, you might consider an IRA CD in addition to an IRA Savings Account. IRA CDs function just like other CDs but are intended to build up funds for after you’ve finished working. It could be worth speaking with a retirement planning professional to establish a personal saving strategy.
How can you benefit from side hustles and passive income?
Both side hustles and passive income can add financial comfort and confidence.
Has this tour through passive income and side hustle ideas inspired you to pursue additional income streams to boost your finances? Whether you start a side business or just pick up some gigs via an app, extra income sources paired with passive income streams can be a game-changer for your financial health.
Looking to maximize your financial health? Try using a financial checklist to see how you’re tracking against your financial goals.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.
1 The information provided herein is for informational purposes only and is not intended to be construed as professional advice. Nothing contained in this article shall give rise to, or be construed to give rise to, any obligation or liability whatsoever on the part of Discover Bank or its affiliates. For specific advice about your unique circumstances, you may wish to consult a qualified professional, at your expense.
Discover Bank does not sell non-deposit investment products (“NDIP”) or provide recommendations regarding NDIP. NDIP are NOT FDIC insured.
We don’t often head into the heart of the Rockies, but this week, we’re making an exception for something truly special — a striking modern retreat in Boulder, Colorado, that just hit the market with a $15 million price tag.
And if it sells anywhere near its asking price, the Boulder house will set a new local record. Again!
With a prime location at 1505 Sunset Boulevard, the property is currently the most expensive home for sale in the foothills of the Flatirons, and will likely become the highest recorded sale in Boulder once sold — dethroning a record set by this very house when it last sold in June 2021 for $13,200,000.
Past media coverage says another neighboring property (set just a few doors down at 1489 Sunset Blvd.) is the record-holder, after selling in January 2023 for a hefty $13 million. But a quick look at 1505 Sunset Boulevard’s public records show a previous sale that tops it, at $13.2 million.
Regardless, the sleek home is now back on the market and likely to set a new record in the process. Marybeth Emerson of The Agency Boulder holds the listing.
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A distinctly contemporary house in downtown Boulder, Colorado
Blending modern luxury with the wild beauty of the great outdoors, the newly listed property is ideally located on a 0.44-acre lot in a prime downtown location, close to Boulder’s beloved Pearl Street.
With the best of Boulder within walking distance, the home also enjoys unobstructed views of the Flatirons and Foothills.
Unassuming from the front
With decidedly contemporary architecture, the home’s street-facing facade doesn’t really give away its size — best observed from the backyard — but lures the eye in with its clean lines, modern design, and floor-to-ceiling windows.
Pairing modern architecture with cutting-edge features
Designed by the visionaries at Surround Architecture, an award-winning local design firm known for fusing cutting-edge architectural design with uncompromising technical competence, and built by Harrington Stanko in 2016, the home blends timeless elegance with modern sophistication and conveniences.
Fittingly, the home has been appointed with a state-of-the-art Savant home automation system and an elevator servicing all floors.
The contemporary design continues inside
The 7,246-square-foot home has 5 bedrooms and 6 bathrooms, with large, light-filled common areas brimming with modern, elegant finishes and 12′ wide plank white oak floors throughout.
An open floorplan provides ample space for gatherings
The main living area transitions easily from the sleek, modern kitchen to the dining area and living room, with a dual-sided fireplace separating the two.
A sleek kitchen and dining area
Featuring refined additions like Italian Varenna cabinetry, Miele appliances, and a Jura coffee bar, the sleek kitchen is the heart of this space.
Appliances are cleverly masked
The kitchen’s sleek cabinetry cleverly masks the appliances so as not to detract from the clean design, with clerestory windows above casting light on the beautiful finishes.
Multiple seating and lounging areas
Making the most out of its open floorplan layout, the main living area provides several spaces for lounging and entertaining guests and family, including a TV area and separate lounging that maximizes the views.
Floor-to-ceiling windows take in breathtaking mountain views
Floor-to-ceiling windows bathe the living area in natural light and blur the lines between indoors and out.
All upper-level bedrooms offer views of the Flatirons
All the upper level bedrooms, including the primary, offer unobstructed views of the Flatirons.
See also: This sleek home served as backdrop to Tesla’s Optimus bot in ‘We, Robot’ presentation
Sleek see-through balconies don’t obstruct the views
The upper-level bedrooms also have walk-out balconies, but steps were taken to ensure these don’t take away from the views and all of them have transparent railings.
A walk-out lower level houses amenities and a guest suite
Heading downstairs, we find a walk-out lower level with an extra guest suite and a whole range of amenities — meant for both relaxation and entertainment.
Amenities include a wine cellar, exercise room & spa
Here we find wellness-oriented amenities like an exercise room, spa bath, steam shower and dressing room, as well as fun additions like a game room, family room, and wine cellar.
A pool with a view
Outdoor amenities include an intimate heated pool and multiple lounging areas, with SYNBlue synthetic grass creating a manicured evergreen aesthetic and a low-maintenance landscape.
A terraced backyard with several patios
There’s also an outdoor kitchen and several patios and seating areas where future residents and their guests can dine al-fresco or just take in the generous views.
Raising the bar for Boulder real estate
While $15 million homes aren’t common for the area, the Sunset Boulevard home’s asking price is less ambitious than it sounds. Just a couple of years back, a 10,169-square-foot home on Juniper Ave was asking $19.9 million.
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Georgia is full of scenic landscapes, southern charm, and beautiful cities. From the cultural hub of Atlanta to the historic streets of Savannah, Georgia provides a variety of lifestyles for residents. However, like any state, it comes with both advantages and challenges. Is Georgia a good place to live? Let’s take a closer look at the pros and cons of living in the Georgia to help you learn more.
Is Georgia a good place to live?
Moving to Georgia means experiencing warm weather, Southern hospitality, and a mix of urban and rural environments. The state has major cities like Atlanta, Augusta, and Columbus, each offering a different way of life. Georgia’s economy is strong in sectors such as agriculture, manufacturing, film production, and technology. In addition to its vibrant job market, the state has an impressive educational system with institutions like the University of Georgia and Georgia Tech. But life in Georgia isn’t all peaches and sunshine. Summers can be brutal with high heat and humidity, and traffic in Atlanta is notoriously frustrating.
Georgia state overview
Population
10,711,908
Biggest cities in Georgia
Atlanta, Columbus, Augusta
Average rent in Atlanta
$1,830
Average rent in Columbus
$994
Average rent in Augusta
$1,046
1. Pro: Thriving film and entertainment industry
Georgia has been dubbed the “Hollywood of the South” thanks to its booming film and TV production scene. With generous tax incentives, studios from across the world are flocking to Georgia, making it a hot spot for the entertainment industry. Whether you’re in the Atlanta metro area or surrounding cities like Fayetteville, you might find a film set around the corner or spot celebrities in local restaurants.
Insider scoop: Keep an eye on local casting calls or opportunities in the film industry. Even if you’re not in entertainment, local businesses benefit from the economic boom created by the film industry’s presence.
2. Con: Urban-rural divide
While Atlanta and its surrounding suburbs are growing rapidly, much of Georgia remains rural and less developed. This urban-rural divide is stark in terms of infrastructure, economic opportunities, and access to healthcare or education. Rural Georgians often face longer commutes and fewer amenities compared to their counterparts in urban centers.
3. Pro: Affordable cost of living, especially outside Atlanta
There are various affordable housing options in Georgia, with lower rental costs compared to many other states. Major cities like Atlanta tend to have higher rent, with an average rent of around $1,830, especially in popular neighborhoods like Midtown or Buckhead. However, more affordable options can be found in cities like Augusta and Columbus, where average rents are $1,046 and $994, respectively. Athens, a college town, offers rental rates averaging $1,485.
4. Con: Unpredictable weather, including ice storms
While Georgia is known for its hot, humid summers, it’s also notorious for its unpredictable weather in the winter. Ice storms are a particular issue in parts of northern and central Georgia, where freezing rain can cause road hazards and power outages. Atlanta, in particular, is infamous for shutting down during even a light snowstorm due to a lack of snow removal equipment.
Local tip: Keep emergency supplies, such as generators and battery-powered radios, on hand if you’re moving to North Georgia. Black ice can be a hazard on roads in winter, so driving with caution is essential during colder months.
5. Pro: Access to diverse landscapes and outdoor recreation
Georgia’s diverse geography provides a great opportunities to explore. You can hike in the Blue Ridge Mountains, enjoy water sports on Lake Lanier, or relax on the beaches of the Golden Isles. There’s also a wealth of state parks, including the stunning Amicalola Falls, and the Okefenokee Swamp for wildlife lovers.
Insider scoop: Explore lesser-known spots like Providence Canyon, also known as “Georgia’s Little Grand Canyon,” for unique hiking experiences, or head to the Chattahoochee River National Recreation Area for outdoor fun near Atlanta.
6. Con: Traffic and transportation limitations
Atlanta’s traffic is notorious, but it’s not the only city in Georgia where transportation can be an issue. Public transportation options outside of Atlanta are scarce, meaning most residents rely on cars to get around. Traffic in Atlanta during rush hours can make commutes extremely long, and the lack of reliable public transport in many areas exacerbates the issue.
Insider tip: If you’re moving to Atlanta, consider living near MARTA stations, which provide the best public transit options. In cities like Savannah or Macon, be prepared for limited public transport and plan your commute accordingly.
7. Pro: Strong higher education programs
Georgia has a strong higher education system, led by universities like Georgia Tech and the University of Georgia. Athens, home to UGA, offers a lively college-town atmosphere filled with music, art, and culture. The state also supports a robust technical college system, making education accessible for a wide range of career paths.
8. Con: Warm climate makes Georgia a hotspot for pests
Georgia’s warm, humid climate makes it a hotspot for pests, with mosquitoes, fire ants, and cockroaches being common nuisances. The summer months, in particular, bring an increase in mosquito activity, making outdoor gatherings uncomfortable. Fire ants can be a serious problem in yards and parks, delivering painful stings if disturbed. Additionally, the state’s mild winters allow pests like cockroaches and termites to thrive year-round, requiring vigilant pest control measures for homeowners.
9. Pro: Plenty of rich history and culture to explore
From the historic architecture of Savannah to Atlanta’s Civil Rights landmarks, Georgia is deeply rooted in American history. It’s a state where Southern traditions meet modern cultural influences, creating diverse cultural scenes. Whether you’re visiting museums, Civil War battlefields, or catching a concert at the Fox Theatre in Atlanta, you’ll be surrounded by cultural experiences.
10. Con: Aggressive allergy season
Georgia is known for its heavy pollen seasons, especially in the spring. Residents often struggle with seasonal allergies caused by oak, pine, and grass pollens. For those sensitive to allergens, Georgia’s high pollen counts can make certain times of the year particularly uncomfortable.
Amazon’s Prime Big Deal Days continues today with discounts exclusively for Prime members.
But you don’t have to be on the hunt for every deal, because frankly, who has time? Our Nerds did the research for you by talking to experts and tracking prices on 12 popular products at four major retailers.
Whether you’re shopping for household staples or holiday gifts, consult this Nerdy list of what to buy (and skip) on Prime Big Deal Days.
Best things to buy (or skip) on Prime Big Deal Days
Buy: Past-purchase staples
Don’t let Amazon’s homepage algorithm dictate what you buy. One strategy to cut through clutter: Let your order history lead the way.
Save money by finding deals on the things you already use and know are worth your money. Open your order history and review items you’ve repurchased over the past 30 days, three months or even a year. If you spot a discount on something you need, take advantage and stock up.
Here’s how to “buy again.”
Amazon app: Go to your cart in the mobile app and select the “buy again” tab near the top of the screen.
Desktop: Click on “Returns & Orders” on the top right side of your screen. Then click “Buy Again” to add frequent purchases to your cart.
We’ve seen the “Prime Big Deals” label on trash bags, dog food, dishwasher pods, mouthwash, Clorox cleaner, the Mr. Clean Magic Eraser, vitamins and baby bottles. You can also shop for items that regularly wear out, such as the water filter in your refrigerator or the electric toothbrush heads you’ve been using for too long.
Skip: Lightning deals
Look away from pressure-driven lightning deals that are only available for a limited time or until a certain number of units are sold. These promotions are meant to make you feel panicked and push you toward impulsive purchases.
“Consumers are easily swayed by the deals and promotion messages, and their ‘fear of missing out (FOMO)’ mentality often tricks them into jumping on these flash deals,” Savannah Wei Shi, associate professor of marketing at Santa Clara University, said in an email interview.
Take a breath and know that if you miss the deal, you’re not missing out. The item will probably be discounted in the coming months, which could give you time to realize you don’t even want it anymore.
Buy: Toys
If you need gift ideas for the kids in your life, Andrea Woroch, a personal finance writer and consumer savings expert who has appeared on “Good Morning America” and other TV news shows, recommends looking for deals on crafting kits, dolls and action figures, Lego sets and even video game consoles and gaming bundles.
Woroch warns, however, that not all toy deals will be worth it this early in the holiday shopping season, and suggests going in knowing what you want. How do you know when to add that toy to your cart?
“If you’re getting 30% off, buy it. That’s a good deal,” she says.
Amazon highlighted Lego deals in its Prime Big Deal Days announcement and Target is advertising up to 30% off select sets during its Circle Week sale, which runs all week.
Skip: Small home appliances
You might be better off waiting until Black Friday or Cyber Monday to buy small home appliances. Based on our price tracking data, the Instant Vortex 6-quart 4-in-1 air fryer is on sale for $107.95 today, but if you wait, you could score a bigger deal. The air fryer was $59.49 during Amazon’s Cyber Monday sale last November.
Coffee lovers also might want to hold out for another sale. The Keurig K-Classic single-serve coffee maker we tracked was $109.99 at Amazon during July’s Prime Day Sale and is $139 now. Last year, the price dropped to $76.49 on Cyber Monday, so you’re probably better off waiting. That, or buy it directly from Keurig.com, where it’s $99.99 today.
Buy: Personal electronics
Our advice is nuanced in this category. Discounts on headphones and smart speakers are a given during Amazon’s major sales. The price of the high-end set of Sony headphones we’re tracking is down to $298 at Amazon ($297 at Walmart) — about $100 off list price — which matches the Prime Day in July price.
Many Alexa-enabled devices and Amazon-branded e-readers are also on sale today. Tablets, fitness trackers, streaming sticks, laptops, cameras and TVs are fair game, too. The 65-inch LG C3 TV we’ve been watching dropped to a low of $1,296.99 at Amazon and Walmart for this week’s sales. That’s $300 less than it was on Black Friday 2023.
But the product release cycle impacts gadget prices. For example, if you were hoping to pick up an Apple Watch Series 9 (GPS + Cellular) with a 41mm sport band at a discount after the series 10 was released, you might be out of luck.
With the new version now out, Amazon was only selling a used version of the previous model for $462.56, and it was unavailable at Target in the weeks leading up to Prime Big Deal Days. If you’re not picky about the color or style you purchase, you might be able to score a deal.
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Skip: Fast fashion on Amazon
Fashion can be hit or miss on Amazon, Woroch says. If you hold off on clothing purchases today, you can save your money for when there are more sales from a wider selection of storefronts about a month from now.
“I would wait for Black Friday weekend,” she says.
More stores participate, and you’ll have the chance to get great deals from brands known for better clothes, she says.
Are Prime Big Deal Days the best time to buy?
Not always. Amazon has created two sale holidays — Prime Day in July and Prime Big Deal Days in October — that have forced other retailers to follow suit.
Our data shows some deals are worth a look. Discounts from Amazon and its competitors during Prime Big Deal Days make it the best time to buy five of the 12 products on our list. Prime Day in July delivered the lowest price for four items on our list.
So, for nine out of the 12 items we tracked, Prime Day in July or October brought the lowest prices. Last Black Friday had the lowest price for only one of the items on our list and tied with Cyber Monday for another.
Here’s a tidbit that sums up shopping online in 2024: Prices can be just as good, or better, during non-sale days. That was the case for the aforementioned Sony headphones.
If you were shopping on a random Tuesday (Sept. 24 to be exact), you could have nabbed them for $285 from a third-party seller on Walmart.com, $12 less than today. But good prices during off-sale periods are tough to time. Waiting for the big sale is easier.
Check competitors and your budget
The Prime Big Deal Days sale isn’t the only one happening this week. Amazon is probably the play for Prime members (most deals require a Prime membership), but online shopping makes it easy to compare prices at competitors. Target Circle week (Oct. 6-12) and Walmart’s first Holiday Deals Event (Oct. 8-13) are both happening now, and our research shows prices are competitive.
Like with Amazon, Target’s sale is for Circle members only (free to join), while Walmart’s sale is open to everyone (although paid Walmart+ members get early access to special deals). Don’t overlook Best Buy, especially when it comes to electronics.
If you have a holiday shopping budget, now’s the time to revisit it. If money is tight and shopping would put you into debt or cause bills to go unpaid, skip the sale. There will be plenty of chances to buy things you want or need in the future. Some distance will give you a chance to research, reevaluate and save.
How we tracked prices
NerdWallet tracked online prices on 12 products at four nationwide retailers — Amazon, Target, Walmart and Best Buy — focusing on Black Friday 2023, Cyber Monday 2023, Prime Day 2024 and Prime Big Deal Days 2024. We selected a range of items, including electronics and home goods, that are popular with shoppers year after year.
Some caveats:
Some products have upgrades or a new model introduced in a given year. In these cases, we continued to track the original item and not the newest generation.
Pricing can vary based on color. When possible, the most basic and/or universal color was selected. If this color or model wasn’t available, we tracked another color.
In-store and online prices sometimes vary. We used online prices to reflect the current retail landscape, which is defined by dynamic pricing, and to ensure we got the most up-to-date prices available.
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Monitor your credit, track your spending and see all of your finances together in a single place.
There are plenty of reasons why roommates might break up. Maybe you really aren’t compatible, or perhaps you’re moving in with a significant other. Or, it could even be that you’re making more money now, and you’re ready to try and hack things on your own. Whatever the case, asking a roommate to move out or telling them you’re moving out can be a delicate situation.. So whether you’re living in an apartment in Denver, CO or an Indianapolis, IN rental, this Rent. guide will help you through the process of breaking up with your roommate. Here are 7 steps to help you navigate this situation smoothly and respectfully.
1. Think it through
Be honest with yourself about why you want your roommate to move out. Be sure to give the issue plenty of thought before making a decision.
If a lack of compatibility is the reason why you wish to leave, don’t be hasty about making the decision. Try addressing your concerns with your roommate and see where the conversation goes.
If it’s a matter of them leaving dirty clothes scattered around the apartment or not cleaning the kitchen on their turn, you may be able to come up with a workable solution. However, if the issues run deeper than a dirty kitchen and/or loud music, it may be a different story.
If you’re absolutely sure you want to break up, keep reading to find out how to go about doing it.
2. Consider the timing and place
You can opt to have the conversation at home or in a public place. Think about how your roommate will receive the news and pick a place accordingly. Make sure you and your roommate have ample time to sit down and talk. Ask in advance when the two of you can have a chat. To avoid blindsiding them, let them know that you wish to discuss the living situation or your plans for when the lease is up.
3. Give plenty of notice
It’s important that you give yourself and your roommate plenty of notice. You’ll both need time to adjust, figure out the finances and split up possessions, so have the discussion with plenty of time before you actually need to move out.
4. Be calm and direct
If you’re going to have the conversation, be direct. Also, avoid telling mutual friends before you get a chance to talk to your roommate. The last thing you want is for them to hear it through the grapevine and feel like you’re being dishonest.
5. Take responsibility and avoid accusations
Take responsibility for your decision. Avoid blaming your roommate or making any accusations. You may be asking them to move out due to irresolvable problems, like constantly missing rent payments. But it’s still your decision to ask them to move out, so take ownership of it. If you feel that you need to tell them the reasons you want to move out, do so directly but avoid using confrontational language.
6. Figure out how you will divide things up
One of the hardest parts about a roommate breakup is fairly splitting up your possessions, especially if you split the cost of big-ticket items. Sit down with each other and figure out what makes the most sense. Is your roommate going to keep everything and reimburse you? Or, do you get the couch and they get the TV? Compromise is key here.
7. Discuss financial responsibilities
Make sure to address how rent, utilities, and other shared costs will be handled during the transition. If your roommate is leaving before the lease ends, work together to find a fair solution, whether it’s finding a new roommate or renegotiating with your landlord.
8. Don’t forget your lease
Before asking a roommate to move out, be sure to review your lease and understand your legal responsibilities. While it may not always be possible to remove someone from a lease without their agreement, it’s worth talking to your landlord to explore your options. Some landlords may allow a name change on the lease, letting you find a new roommate or take over the full rent yourself.
9. End on a positive note
If possible, try to end things on good terms. If the situation allows, stay friendly and connected, especially if you value their friendship. Letting them know that your relationship can continue despite the change in living arrangements can help smooth over any lingering awkwardness.
Figuring out how to get a roommate to move out is hard
Asking someone to move out or informing them you’re moving out is tough. It’s a daunting conversation no one wants to have, but sometimes it’s a necessary move. Hopefully, these tips and ideas make it easier and you can move forward with your lease and your life.
I know, I know, mortgage shopping is the worst. It’s not a fun thing to do.
It’s not like shopping for a new car or a new TV, or even a new house. But it’s a necessary evil unless you’ve got a boatload of cash.
The reason it’s not fun is because there’s lot of math, paperwork, and high-pressure salespeople involved.
Not to mention lots of mortgage lingo that will likely go over your head.
But there’s a silver lining to putting in all that time to shop; you’ll learn a lot about mortgages.
I Get It, Mortgages Aren’t Fun
Look, I’ll be the first person to tell you that mortgages are boring af. I’ve been writing about them for nearly 20 years now.
And before that, I was working on the frontlines with mortgage brokers and loan processors and underwriters.
None of it was fun, and it’s probably even less fun when you’re new to it and simply trying to get through it.
Conversely, you might have a blast shopping for a new car and doing test drives while checking out all the cool features.
The same goes for new clothes, a new TV, computer, etc. They call it retail therapy for a reason.
I’ve never heard anyone say mortgage shopping is therapeutic. In fact, it’s usually the exact opposite.
Typically, people say they’d rather go to the dentist than go through the mortgage process.
Okay, so what’s the point here? Well, as mentioned, you can learn a lot if you do shop around.
Learn About Mortgages as You Shop Your Rate
Most people don’t shop around for their home loan. They either just go with the lender their real estate recommended, or the first quote they come across.
Again, this is because mortgages are not at all fun. And not getting any funner.
Not only does this cost people (since studies prove multiple quotes leads to lower rates), it also means you won’t learn a whole lot.
Again, I understand. Most people are literally just trying to get through it so they can move into their new home. Or enjoy a new low rate on their existing mortgage in the case of a refinance.
But aside from potentially paying more, you’ll also learn less. And when you know less about something, the probability of a bad decision increases.
For example, you might pick the wrong mortgage product for your individual situation.
Or you might be told to pay discount points at closing, only to sell your home or refinance before the breakeven period.
You might even refinance even when it doesn’t make sense to do so. Or buy too much house and become house poor because the numbers were only presented to you one way.
Bringing it full circle, you might also get ripped off because you’ll be a novice and more easily taken advantage of.
If you actually make a few phone calls and speak to multiple loan officers, mortgage brokers, etc., you’ll learn more about the ins and outs of it all.
Each time you talk to someone new you’ll have a little bit more knowledge than the prior call.
And this will help you avoid the typical gotchas and perhaps allow you to come off more confident. That can lead to better mortgage rate negotiating and ultimately better odds of a lower rate.
Here Are Some Mortgage Shopping Tips to Make It Less Awful
If you’re stressed about it your credit scores, keep in mind that while mortgage inquiries can lower your credit score, it’s often not by much.
You also don’t need to let everyone run your credit. And FICO now combines multiple mortgage inquiries into one when made within a 14- to 45-day window.
Those who have heard of those annoying trigger leads can employ a strategy I laid out years ago.
Use a temporary phone number like Google Voice for free. Share that number with all the lenders, brokers, etc.
Then ditch it once you’ve found your match and carry on with your real number. Or just keep using the temporary one!
Even if you use a mortgage broker, take the time to compare mortgage brokers too. Because many of them just send all their business to one lender. So it’s not really shopping around.
In addition, they have varying compensation structures, meaning if you compare more than one you might land on the broker who earns less per loan and saves you money.
For example, one broker might earn 2% on each loan, while another is satisfied with just 1% loan origination fee in exchange for more volume. The broker earning less will likely have the lower rate and closing costs.
Lastly, if you already have average or poor credit, know that mortgage rates can vary even more, so shopping around is even more important!
Simply put, rates are priced in a tighter range for those with really high FICO scores. But even those folks should also gather more than one quote!
Read on: How to shop for a mortgage.
(photo: Alan Levine)
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
I know, I know, mortgage shopping is the worst. It’s not a fun thing to do.
It’s not like shopping for a new car or a new TV, or even a new house. But it’s a necessary evil unless you’ve got a boatload of cash.
The reason it’s not fun is because there’s lot of math, paperwork, and high-pressure salespeople involved.
Not to mention lots of mortgage lingo that will likely go over your head.
But there’s a silver lining to putting in all that time to shop; you’ll learn a lot about mortgages.
I Get It, Mortgages Aren’t Fun
Look, I’ll be the first person to tell you that mortgages are boring af. I’ve been writing about them for nearly 20 years now.
And before that, I was working on the frontlines with mortgage brokers and loan processors and underwriters.
None of it was fun, and it’s probably even less fun when you’re new to it and simply trying to get through it.
Conversely, you might have a blast shopping for a new car and doing test drives while checking out all the cool features.
The same goes for new clothes, a new TV, computer, etc. They call it retail therapy for a reason.
I’ve never heard anyone say mortgage shopping is therapeutic. In fact, it’s usually the exact opposite.
Typically, people say they’d rather go to the dentist than go through the mortgage process.
Okay, so what’s the point here? Well, as mentioned, you can learn a lot if you do shop around.
Learn About Mortgages as You Shop Your Rate
Most people don’t shop around for their home loan. They either just go with the lender their real estate recommended, or the first quote they come across.
Again, this is because mortgages are not at all fun. And not getting any funner.
Not only does this cost people (since studies prove multiple quotes leads to lower rates), it also means you won’t learn a whole lot.
Again, I understand. Most people are literally just trying to get through it so they can move into their new home. Or enjoy a new low rate on their existing mortgage in the case of a refinance.
But aside from potentially paying more, you’ll also learn less. And when you know less about something, the probability of a bad decision increases.
For example, you might pick the wrong mortgage product for your individual situation.
Or you might be told to pay discount points at closing, only to sell your home or refinance before the breakeven period.
You might even refinance even when it doesn’t make sense to do so. Or buy too much house and become house poor because the numbers were only presented to you one way.
Bringing it full circle, you might also get ripped off because you’ll be a novice and more easily taken advantage of.
If you actually make a few phone calls and speak to multiple loan officers, mortgage brokers, etc., you’ll learn more about the ins and outs of it all.
Each time you talk to someone new you’ll have a little bit more knowledge than the prior call.
And this will help you avoid the typical gotchas and perhaps allow you to come off more confident. That can lead to better mortgage rate negotiating and ultimately better odds of a lower rate.
Here Are Some Mortgage Shopping Tips to Make It Less Awful
If you’re stressed about it your credit scores, keep in mind that while mortgage inquiries can lower your credit score, it’s often not by much.
You also don’t need to let everyone run your credit. And FICO now combines multiple mortgage inquiries into one when made within a 14- to 45-day window.
Those who have heard of those annoying trigger leads can employ a strategy I laid out years ago.
Use a temporary phone number like Google Voice for free. Share that number with all the lenders, brokers, etc.
Then ditch it once you’ve found your match and carry on with your real number. Or just keep using the temporary one!
Even if you use a mortgage broker, take the time to compare mortgage brokers too. Because many of them just send all their business to one lender. So it’s not really shopping around.
In addition, they have varying compensation structures, meaning if you compare more than one you might land on the broker who earns less per loan and saves you money.
For example, one broker might earn 2% on each loan, while another is satisfied with just 1% loan origination fee in exchange for more volume. The broker earning less will likely have the lower rate and closing costs.
Lastly, if you already have average or poor credit, know that mortgage rates can vary even more, so shopping around is even more important!
Simply put, rates are priced in a tighter range for those with really high FICO scores. But even those folks should also gather more than one quote!
Read on: How to shop for a mortgage.
(photo: Alan Levine)
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
The New York Yankees credit card could be a home run for die-hard fans of the Major League Baseball team.
Issued by Comenity Bank, a subsidiary of Bread Financial, the $0-annual-fee card offers promotions and benefits that could be useful for frequent Yankees-game attendees. Plus, it rewards everyday spending as well.
Still, MLB fans looking for more flexible rewards and redemption options — not to mention more baseball-related perks — might be better off with a card issued by Capital One, the official bank and credit card partner of Major League Baseball.
Here are five things to know about the New York Yankees Mastercard.
1. Yankees fans can score solid rewards
When you use the New York Yankees Mastercard, you’ll earn the following (not as cash back, but as points in the Pinstripe Rewards program):
5x points at Yankee Stadium concession stands.
3x points at restaurants, bars and gas stations, and on rideshare and mass transit.
1x back on all other purchases.
Given concession prices, frequent Yankee Stadium visitors might welcome that 5x reward rate. On top of that, the card’s 3x categories will help holders rack up points for some everyday spending. Those categories — bars, gas, rideshares and mass transit — are also particularly useful for pre- and postgame transportation and activities.
The caveat here, however, is that rewards are earned as Pinstripe points, rather than cash back. Every 100 points you earn will get you $1, meaning points are worth a penny each. That’s good value, but even season ticketholders might need a long while to rack up a meaningful amount of rewards.
🤓Nerdy Tip
You’ll become a member of the Pinstripe Rewards program when you get the New York Yankees credit card. The rewards program is only for Yankees credit card members.
2. Cash-back redemption is flexible …
Pinstripe points can be redeemed for more than just Yankees-related options. You can redeem them for cash back in the form of a direct deposit or statement credit to your account, starting at $1 or 100 points. This is a significantly lower redemption minimum than what some other cards require.
Note that statement credit may take up to six business days to post to your account and that points expire after five years.
3. … But other redemption options feature tough catches
Cardholders also have the option to redeem points for Yankees game tickets, memorabilia and experiences. But there are some hoops to jump through.
Game tickets. There’s no minimum points requirement for redeeming this way, but there are some stipulations that come with game tickets redemptions. You can only redeem points for two game tickets at a time, and those tickets must be for seats in designated areas at select home games played at Yankee Stadium during the regular season. Designated seating areas vary by game but cardholders usually have the choice between main and field level seating locations, according to a representative from Bread Financial. Note that you must redeem tickets through the Yankees account center. You’ll receive tickets within 48 hours before your game starts through the MLB Ballpark App or through a Yankees Ticketmaster account — both of which are free to join.
Yankees memorabilia and experiences. Memorabilia includes items like collectible Yankees baseballs, mini bats and helmets, merchandise and limited-edition items. Experiences include participating in the ceremonial first pitch, on-field batting practice viewing, and game-day stadium tours. Like game ticket redemptions, you don’t need a certain amount of points to redeem for either of these options, but costs will vary depending on the item or experience. As of this writing, participating in a ceremonial first pitch will cost you around 120,000 points, while batting practice viewing and stadium tours plus a pair of tickets will cost around 18,000 each, for example.
4. It offers special promotions for new applicants
New cardholders can earn:
Two free tickets when you spend $100 on the card within 30 days of account opening.
A $50 statement credit when you spend $1,000 outside of Yankee Stadium.
Two free game tickets can be an attractive deal for fans. But again, there are some caveats. Complimentary tickets apply only to home games played at Yankee Stadium and cannot be used for opening day games, the traditional old-timers’ day game, or any home games against the Boston Red Sox, Chicago Cubs, Los Angeles Dodgers and New York Mets. Plus, you can only redeem these tickets for seats in designated seating areas — which are typically located between the foul poles in the outfield section. So if you’re hoping to snag seats behind home plate or near the dugout, for instance, you might be better off redeeming points for cash back and buying your tickets outright.
Note that you can only redeem the free tickets online, and you must have a Ticketmaster account to redeem them.
Also, if you plan on opening the card to score free tickets for an upcoming game, keep in mind that the card’s terms say that new cardholders will receive their ticket redemption code within 60 days of account opening and that the code is not valid for previously purchased tickets. (Note: According to a representative from Bread Financial, tickets are typically fulfilled within days of earning the offer.)
5. It doesn’t hold up against simple cash back
Yankees fans can certainly rack up decent rewards with the New York Yankees credit card. But a number of general cash-back card options can offer more flexibility.
Notably, Capital One is MLB’s official bank and credit card partner, which means all eligible Capital One rewards cardholders can redeem their rewards for MLB tickets from all 30 teams, from opening day through the baseball postseason — including tickets to the World Series. These baseball-related redemption options are more varied and less limiting than what the New York Yankees Mastercard offers.
With an eligible Capital One card, you’ll also get discounts on MLB TV, items purchased though the MLB shop and on visits to the Jackie Robinson museum in New York City, as well as access to VIP experiences like private on-field sessions and batting practice.
More specifically, the $0-annual fee Capital One SavorOne Cash Rewards Credit Card could be a lucrative option for MLB fans. It earns 3% cash back on dining, eligible streaming services, grocery stores and entertainment — and tickets to sporting events qualify for that “entertainment” category.
In some cases, in fact, you might be able to do even better than that. That’s because the card also earns 8% back on purchases through Capital One Entertainment, a portal that includes tickets to sporting events. Rewards earned with this card can also be redeemed as cash back in any amount, and again, this is in addition to the aforementioned MLB-related benefits that Capital One offers cardholders.
Expert insights with SunWest’s Pavan Agarwal | Mortgage Professional TV [embedded content] As the mortgage industry gears up for what are sure to be busy fall and winter seasons, we spoke with SunWest chief executive officer Pavan Agarwal to hear what he and his company have been keeping top of mind in the current market … [Read more…]