Ok reader, this is one of my best eBay secrets, but I’m in a giving mood so strap in for a history lesson. Snoopy—Charlie Brown’s beloved beagle—was a cultural symbol during the Vietnam War. People back home, as well as some servicemen, used him as a WWI fighter pilot to criticize our involvement in Vietnam. (Snoopy fighting the Red Baron was seen as a more just war.) But, some servicemen used him as a symbol of the war effort.
Either way, the result is there are a bunch of Snoopy-engraved Zippo lighters floating around in the world. Some are crude—think Snoopy with a thought bubble that just says “Sex.” Some are sweet—think Snoopy with a thought bubble that has the name of a serviceman’s wife. Some are sad—think Snoopy saying “I wanna go home.” They are all incredibly fucking cool and relatively well priced for vintage ephemera.
Some people think it’s morbid to own one of these, but history is full of contradictions. Scour eBay, ask your grandfather, or go to a local antique market. One of those three will probably have a vintage Snoopy Zippo.
Located in the northeastern region of the United States, New Jersey is characterized by its cities, picturesque coastline, and rich cultural heritage. From Jersey City’s skyscrapers to Cape May’s charming seaside towns, the state offers a diverse range of experiences for residents and tourists. In this ApartmentGuide article, we’ll discuss the pros and cons of living in New Jersey to provide valuable insights for those considering a move or wanting to learn more about the state. Whether you’re interested in renting, or ready to explore, read on to discover what life in New Jersey is like.
Renting in New Jersey snapshot
1. Pro: Rich historical sites
New Jersey is steeped in American history, offering numerous historical sites and landmarks. From the battlegrounds of the Revolutionary War in Princeton to the iconic Ellis Island and Liberty State Park, the state serves as a living museum. These sites not only provide educational experiences but also serve as beautiful places for exploration.
2. Con: High housing costs
The housing costs in New Jersey is notably high compared to the national average. This is particularly evident in housing costs especially in popular metros like Hoboken, where the median sale price is $840,000 and rent for a one-bedroom is $2,900. Residents often find themselves allocating a significant portion of their income to maintain a standard of living, making savings a challenge for many.
3. Pro: Proximity to major cities
New Jersey’s strategic location offers unparalleled access to major cities like New York City and Philadelphia. This proximity provides residents with the unique advantage of enjoying suburban tranquility while having easy access to the urban amenities, employment opportunities, and cultural experiences offered by these metropolitan areas.
4. Con: Traffic congestion
With its dense population and proximity to major urban centers, New Jersey faces significant traffic congestion, particularly in the northern part of the state around Hoboken and Jersey City which are near the highways to to Manhattan. Commuters often experience lengthy delays, especially during peak hours, which can affect daily schedules and overall quality of life.
5. Pro: Diverse culinary scene
New Jersey boasts a diverse culinary scene, with a wide array of dining options ranging from fine dining to local diners and food trucks. The state is famous for its Italian cuisine, diners, and being the birthplace of the iconic Taylor Ham, egg, and cheese sandwich. This diversity offers residents and visitors a rich palette of flavors to explore.
6. Con: Weather extremes
New Jersey experiences a wide range of severe weather conditions including tornadoes, thunderstorms, high winds and hailstorms. These extremes can pose challenges for residents, from dealing with the discomfort of hot and humid summers to navigating the difficulties of storms and the associated disruptions they can bring.
7. Pro: Great educational institutions
The state is home to some of the nation’s pristine educational institutions, including Princeton University. New Jersey’s school system is one of the best in the nation, providing quality education from kindergarten through university.
8. Con: Property taxes
New Jersey residents face some of the highest property taxes in the United States. The property tax rate is 2.26% which compared to the national average of 0.99% is very high. This financial burden can be a significant challenge for homeowners and those making a jump from renting to owning.
9. Pro: Diverse housing options
New Jersey offers a diverse range of housing options, catering to various preferences and lifestyles. From historic neighborhoods with charming brownstones to modern high-rise apartments overlooking bustling cityscapes, there’s something for everyone. This abundance of housing choices enables residents to find accommodations that suit their needs and preferences.
10. Con: Seasonal tourists
During the summer months, New Jersey becomes a hotspot for tourists seeking sun, sand, and sea along its iconic coastline. Boardwalks bustling with activity and amusement parks attract those looking for entertainment and relaxation. From the historic charm of Cape May to the lively feel of Atlantic City, New Jersey’s diverse attractions ensure a memorable experience for visitors throughout the seasons.
11. Pro: Beautiful beaches
12. Con: State sales tax
New Jersey’s sales tax rate is relatively high compared to many states, which can increase the cost of goods and services for residents. In fact, New Jersey is ranked 8th in the nation for its state tax rate standing at 6.625%. This tax burden may pose a challenge for individuals and families on tight budgets, impacting their purchasing power.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
The Consumer Financial Protection Bureau (CFPB) on Friday issued a report indicating that it is taking a closer look at the impact of “discount points” on mortgage transactions, noting that use of the practice has picked up over the past two years with undetermined value for mortgage borrowers.
“The percentage of homebuyers paying discount points roughly doubled from 2021 to 2023,” the report said. “The increase was even greater among borrowers with lower credit scores. While discount points may provide advantages to some borrowers, the financial tradeoffs are complex. The CFPB is monitoring these increases and potential risks to consumers.”
CFPB Director Rohit Chopra added that elevated interest rates are making such a practice more common despite inconclusive benefits for consumers.
“Higher interest rates on mortgages have led borrowers to pay upfront fees to lower their interest payments,” he said. “The heavy use of ‘discount points’ suggests that many borrowers are uncertain about their ability to refinance in the future.”
Serving as a one-time fee paid at closing that allows a borrower access to a lower mortgage interest rate, CFPB notes that such points “have no fixed value in terms of the change in interest rate” and that borrower benefit is highly dependent on how long a borrower maintains a particular mortgage.
The elevated rate environment has made future refinancing options less clear for borrowers entering the market today, but CFPB also expressed concern over the disproportionate application discount points have on borrowers with lower credit scores. Usage of discount points were especially prevalent among low-credit borrowers also using Federal Housing Administration (FHA) lending programs, CFPB said.
The assertions of the report are based on quarterly Home Mortgage Disclosure Act (HMDA) data from 2019 through the first three quarters of 2023, and the prevalence among FHA borrowers with lower credit scores suggests that “lenders may be using discount points to lower borrowers’ monthly payments and debt-to-income ratio, which is one of the measurements lenders use to assess a borrower’s ability to repay in order to qualify for a mortgage,” an announcement of the report’s contents said.
To illustrate that prevalence, the report said that nearly 77% of FHA borrowers with credit scores below 640 purchased discount points, compared with 65% of all FHA borrowers with broader credit profiles.
This is the latest development in the Biden administration’s war on so-called “junk fees,” with the CFPB pointing out a desire to closely monitor the impacts of discount points in a blog post published in early March. The Bureau at that time said that discount points “may not always save borrowers money, however, and may indeed add to borrowers’ costs.”
Marty Green, principal at mortgage law firm Polunsky Beitel Green, suggested that the CFPB report is missing some important details, including the availability of loans without discount points in the market.
“One major consequence of the volatile rate environment over the past two years was that lenders were, at times, not offering an undiscounted rate to applicants,” Green said in a statement provided to HousingWire. “The CFPB references the use of discount points by investors to hedge against increased prepayment risk but doesn’t ‘connect the dots’ to the fact that increased investor demand for upfront fees to the decreased availability of loans without points being offered in the market.”
Green also suggests that Fannie Mae and Freddie Mac‘s early 2023 updates to loan level pricing adjustments (LLPAs) are not being considered in its report.
“The GSEs added LLPAs to additional loan types and credit score bands,” he said. “LLPAs are often passed on to borrowers through points, so it’s only natural to see a greater percentage of borrowers receiving a loan with discount points included. The percentage of borrowers paying discount points will necessarily increase when (a) fewer loan products are offering par rates and (b) the GSEs increase the use of LLPAs to cover additional loan products/borrowers.”
Free access to PawSupport, a 24/7 vet helpline available even on holidays.
Pros and cons
Offers reimbursement for sick vet exam fees.
Multipet and military discounts available.
Wellness plan includes prescription diet food coverage.
No mobile app.
6-month waiting period for orthopedic conditions in dogs.
Claims process could be quicker.
Bottom line
Paw Protect insurance offers an unlimited annual coverage option and access to a 24/7 vet helpline. But it has a slower claims process than some other insurers and no mobile app.
About Paw Protect pet insurance
Paw Protect earned 4.5 stars out of 5 for overall performance. It stands out for having comprehensive accident and illness coverage that includes congenital and hereditary conditions, dental illnesses, behavioral issues and alternative therapies.
Strengths: Paw Protect’svet telehealth service is free for all policyholders. Available by phone, live chat or video call, it offers round-the-clock support if you have any health concerns about your pet.
Weaknesses: Paw Protect doesn’t have a mobile app to manage your policy, and it’s slower than some other pet insurers in handling claims.
Paw Protect pet insurance plans and coverage
Paw Protect has a few plans to choose from.
Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.
Accident and illness
Paw Protect’s accident and illness plan is a comprehensive plan that covers:
Sick vet exam fees and medical waste disposal.
Emergency and specialist care.
Prescription medication.
X-rays, ultrasounds and other diagnostic tests.
Hospitalization and overnight stays.
Dental injuries.
Dental illnesses, up to $1,000 per policy term.
Congenital and genetic conditions, including hip dysplasia, ACL injuries, allergies and intervertebral disc disease (IVDD).
Cancer and chronic conditions.
Acupuncture, chiropractic treatment and laser therapy.
Behavioral therapy.
Euthanasia.
Accident only
Paw Protect’s accident-only plan is generally for older pets. It covers treatment for accidents like broken bones, bite wounds, ingested objects and car accidents. It doesn’t cover any claims related to illnesses.
Wellness Rewards
Paw Protect’s Wellness Rewards is an extra package you can add to your insurance plan. It’s offered through Embrace pet insurance and pays for routine care up to $250, $450 or $650 per year. You can get reimbursed for:
Wellness exam fees.
Flea, tick and heartworm prevention.
Microchipping.
Nutritional supplements and prescription food.
Fecal and blood tests.
Pet activity monitors.
Hip dysplasia exams.
Routine chiropractic, acupuncture, massage therapy and reiki care.
Routine anal gland expression.
Cremation and burial expenses.
What’s not covered
Paw Protect pet insurance doesn’t cover:
Breeding, pregnancy or giving birth.
DNA testing or cloning.
Intentional injuries by you or someone in your household.
Injuries or illnesses from racing, fighting, cruelty or neglect.
Cosmetic procedures like tail docking or ear-cropping.
Routine veterinary care, unless you have a wellness plan.
Avian flu or nuclear war.
If you have an accident-only plan, Paw Protect also won’t cover any illness-related claims.
Paw Protect coverage options
Deductibles: A pet insurance deductible is the amount you have to pay before your plan reimburses you for vet expenses. Paw Protect’s annual deductible options are typically $100, $250 and $500.
Reimbursement amounts: Pet owners have the option to get reimbursed for 70%, 80% or 90% of vet expenses.
Paw Protect applies your reimbursement percentage to the vet bill first, before subtracting your deductible. Say you have a $2,000 vet bill, an 80% reimbursement rate and a $500 deductible. To determine your eligible expenses, Paw Protect calculates 80% of $2,000, which is $1,600. Then, it subtracts your $500 deductible, so your reimbursement amount is $1,100.
Some pet insurers subtract your deductible from the vet bill before applying the reimbursement rate. Using the same figures, that method would result in a slightly higher $1,200 payout ($2,000 bill – $500 deductible = $1,500. 80% of $1,500 is $1,200).
Coverage limits: You can choose an annual coverage limit of $5,000, $10,000 or unlimited.
Restrictions and waiting periods
Age restrictions: At Paw Protect, pets must be at least 2 months old to get a policy. The company’s website states that the maximum age of enrollment is 5 years for an accident and illness plan, with accident-only coverage available for older pets. However, in certain states, we were able to get online quotes for accident and illness plans for pets older than 5. We’ve reached out to Paw Protect for clarification.
Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. Paw Protect has a two-day waiting period for accidents and a 14-day waiting period for illnesses. Dogs also have a 12-month waiting period for orthopedic conditions like hip dysplasia. Paw Protect may waive the orthopedic waiting period if your vet performs an examination after enrollment and verifies that your dog has no orthopedic issues.
Paw Protect pet insurance rates
The cost of Paw Protect pet insurance will depend on where you live and your pet’s age and breed. Below are sample monthly rates from Paw Protect for six common dog breeds at ages 2 and 8. Our sample dogs lived in Katy, Texas, and had accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.
French bulldog
German shepherd
Golden retriever
Labrador retriever
Medium mixed-breed dog
We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.
Domestic shorthair
Exotic longhair
Maine coon
Discounts
Paw Protect offers a 10% multipet discount and a 5% military discount.
State availability
Paw Protect is licensed to sell policies in all 50 states and Washington, D.C. Wellness plans aren’t available in Rhode Island.
Availability may change at any time. Coverage may not be available to all pets in a given state.
Consumer experience
Website: Paw Protect’s website is easy to navigate and has an education center with information about pet insurance. You can also get a quote, view sample policies and see how Paw Protect compares with other insurance companies.
App: Paw Protect doesn’t have a mobile app.
Claims: The fastest way to submit aclaim is by logging into your account on Paw Protect’s website. But you can also email, fax or mail your claim forms. It takes about 10 to 15 business days to process an accident or illness claim and about five business days to process a wellness claim. You have your entire policy term to file a claim, plus an extra 60 days after renewal.
Customer service: You can call Paw Protect customer service at 888-812-6704 Monday through Friday from 9 a.m. to 8 p.m. ET and Saturdays from 10 a.m. to 2 p.m. ET. You can also email customer support.
Other pet insurance companies to consider
Not ready to make a decision? You may be interested in these other pet insurance companies:
How we review pet insurance
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.
Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
Frequently asked questions
Does Paw Protect cover vaccinations?
Paw Protect covers vaccinations under its wellness plan. With this add-on, you can get reimbursed for routine care, up to $250, $450 or $650 per year. For all plans, you save about $25 per year if using the total benefit amount. In addition to vaccines, this plan covers things like wellness exam fees, spaying and neutering, microchipping, dental cleaning, and routine blood work.
How does Paw Protect insurance work?
Paw Protect insurance helps cover the costs if your pet gets sick or inured. You pay a monthly or annual fee, and if your pet needs to go to the vet, you pay the bill, then submit a claim for reimbursement. The amount you get back depends on the coverage options you’ve selected.
How do I cancel Paw Protect pet insurance?
You can cancel your Paw Protect policy at any time by calling customer service.
This ApartmentGuide article takes you through the pros and cons of living in Virginia, where renters enjoy access to some of the state’s most walkable neighborhoods, alongside charming living options. Whether you’re drawn to the charm of the cobblestone streets of Lynchburg or the ease of urban living in Alexandria, Virginia offers something for everyone. However, every state has its drawbacks, so get ready to explore what “Old Dominion” is all about.
Renting in Virginia snapshot
1. Pro: Rich historical sites
Virginia’s landscape is dotted with pivotal historical sites that offer a deep dive into America’s past. From the Jamestown Settlement, the first permanent English settlement in the Americas, to the historic battlefields of the Civil War, residents and visitors alike have the unique opportunity to walk through history.
2. Con: High pollen allergies
Virginia’s diverse climate contributes to a high pollen count, especially during the spring and fall. This can be particularly challenging for residents with allergies, as cities like Richmond and Virginia Beach often rank high in the lists of worst cities for allergy sufferers with top allergens being maple, juniper and birch trees.
3. Pro: Diverse climate
The state enjoys a diverse climate, offering residents a taste of all four seasons. From the warm, sandy beaches of Virginia Beach in the summer to the snow-covered mountains of the Shenandoah Valley in winter, Virginia provides a variety of environments to enjoy year-round.
4. Con: Traffic congestion
Northern Virginia, particularly the areas surrounding Washington D.C., is notorious for its traffic congestion, with major highways such as Interstate 495 and Interstate 66 experiencing heavy traffic during rush hours. Commuters can expect long delays on these routes, making it one of the more challenging aspects of living in this otherwise picturesque state.
5. Pro: Culinary scene
Virginia’s culinary scene boasts a mix of flavors, drawing inspiration from its diverse cultural heritage and bountiful agricultural resources. From the iconic Chesapeake Bay blue crabs to the savory Southern barbecue of Richmond’s renowned joints, Virginia offers a delectable array of regional specialties.
6. Con: High cost of living in some regions
While Virginia offers many benefits, the cost of living in certain areas, especially Northern Virginia, can be quite high. This includes housing, healthcare, and transportation, making it a significant consideration for anyone planning to move to the state. Take Alexandria for example, where the median home sale price is $653,750 and the average rent for a one-bedroom is $2,065. These high costs can be challenging for those on a budget.
7. Pro: Outdoor activities
With its vast natural landscapes, Virginia is a haven for outdoor enthusiasts. The Appalachian Trail offers hiking opportunities, while the Chesapeake Bay is perfect for boating and fishing. The state’s parks and recreation areas provide countless ways to enjoy the great outdoors.
8. Con: High humidity
Virginia experiences high humidity levels, especially during the summer months, due to its coastal location and proximity to the Chesapeake Bay and Atlantic Ocean. The humid conditions can often lead to discomfort, with residents facing sticky and muggy weather that exacerbates the feeling of heat.
9. Pro: Proximity to Washington D.C
The proximity to Washington D.C. provides residents of Virginia with access to a plethora of career opportunities, cultural attractions, and political institutions. Moreover, residents can enjoy the diverse array of museums, theaters, restaurants, and entertainment options that Washington D.C. has to offer, enriching their overall quality of life.
10. Con: Hurricane risk
Being on the Atlantic coast, Virginia is susceptible to hurricanes and tropical storms, particularly in the late summer and fall. Coastal areas are most at risk, requiring residents to have emergency plans in place and sometimes leading to evacuations.
11. Pro: Strong job market
Virginia boasts a strong job market, particularly in sectors like technology, defense, and government contracting. The presence of the Pentagon and numerous military bases provides stability and opportunities for those in the defense sector and beyond. Additionally, the state’s proximity to Washington D.C. offers access to a wide range of government agencies, consulting firms, and non-profit organizations.
12. Con: Environmental degradation:
Rapid urbanization and industrial development in certain areas of Virginia contribute to environmental degradation, including air and water pollution, habitat loss, and deforestation, which can harm ecosystems and wildlife. For example, the expansion of industrial facilities along the James River in Richmond has led to increased water pollution and habitat destruction.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
West Virginia offers a diverse array of living experiences, from the historic charm of Wheeling’s cost-effective living options to the quaint allure of smaller towns like Lewisburg. With abundant outdoor recreational opportunities like hiking trails and state parks, West Virginia beckons those seeking an active and adventurous lifestyle. Whether you’re contemplating a move to the state or simply seeking insights, this ApartmentGuide article will highlight the pros and cons of living in West Virginia, helping you make informed decisions about your future home.
Renting in West Virginia snapshot
1. Pro: Rich historical landmarks
West Virginia is home to numerous historical landmarks, such as the Harpers Ferry National Historical Park, which offers a glimpse into the past with its well-preserved historical town and museums. This state’s rich history in the Civil War and the industrial revolution is showcased in various sites, making it a haven for history enthusiasts.
2. Con: Limited public transportation options
West Virginia struggles with limited public transportation options, particularly in rural areas like Union. This can pose a challenge for residents without personal vehicles, making it difficult to access essential services, employment opportunities, and recreational activities. Additionally, the lack of reliable public transportation may contribute to social isolation and dependence on others for transportation needs.
3. Pro: Abundant outdoor activities
The state is renowned for its stunning natural landscapes, including the New River Gorge Bridge, which creates opportunities for high-adrenaline activities like base jumping during the annual Bridge Day festival. The vast forests and rivers are also a great addition creating endless outdoor activities, from hiking and mountain biking to whitewater rafting on the Upper Gauley River.
4. Con: Limited access to technology
West Virginia’s rural areas often experience limited access to high-speed internet, hindering connectivity. Many residents in remote regions struggle with slow internet speeds and unreliable connections, impeding their ability to participate in online activities. So if you’re considering a move to this state, you’ll want to consider different regions that are right for your lifestyle.
5. Pro: Close-knit communities
West Virginia is known for its close-knit communities, where neighbors often form strong bonds and support each other. This sense of community is especially evident in smaller towns and rural areas, where local events and gatherings foster a strong sense of belonging.
6. Con: Natural disaster risks
West Virginia faces natural disaster risks such as floods, landslides, and severe storms due to its geographic location and terrain. Flash floods are particularly common in the state’s mountainous regions, posing threats to communities and infrastructure.
7. Pro: Low cost of living
Compared to many other states, West Virginia offers a relatively low cost of living. Housing, utilities, and daily expenses are generally more affordable, allowing residents to stretch their budgets further. Even in Charleston, West Virginia’s largest city, the average rent for a one-bedroom apartment is $752 making renting more attainable for renters.
8. Con: Infrastructure deficiencies
West Virginia’s infrastructure deficiencies are evident in its aging roads, bridges, and utilities, which require significant investment and maintenance. Many rural areas face challenges with deteriorating infrastructure, impacting transportation, access to services, and economic development. The state’s rugged terrain and harsh weather conditions further exacerbate these infrastructure challenges.
9. Pro: Proximity to nature
The proximity to nature is a pro to living in West Virginia, providing ample opportunities for outdoor recreation and relaxation. With its vast forests, like the Monongahela National Forest, rolling hills, such as those found in the Appalachian Mountains, and winding rivers like the New River, the state offers residents easy access to hiking, camping, fishing, and other outdoor activities.
10. Con: Environmental concerns
Mining and industrial activities have left a mark on West Virginia’s environment, leading to concerns about water quality, deforestation, and land degradation. Efforts are being made to address these issues, but they remain a concern for many residents. For instance, mountaintop removal mining has dramatically altered the landscape in some areas, leading to loss of biodiversity and habitat destruction for wildlife.
11. Pro: Rich cultural heritage
West Virginia’s rich cultural heritage is celebrated through music, art, and festivals. The state’s Appalachian roots are evident in its folk music and dance, traditional crafts, and storytelling, offering residents and visitors a unique cultural experience. For example, the annual Appalachian String Band Music Festival in Clifftop brings together musicians from across the region to celebrate and preserve traditional Appalachian music traditions.
12. Pro: Rural isolation
The rural isolation can be seen as a con to living in West Virginia, as residents in remote areas may face limited access to essential services and amenities. With sparse populations and long distances between communities, individuals may experience challenges in accessing healthcare, shopping centers, and educational institutions.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
In the heart of Appalachia, West Virginia’s scenic beauty combines with its urban centers to create a living experience unlike any other for renters. This ApartmentGuide article takes you through the historic streets of Charleston to the vibrant community of Huntington, highlighting the rental markets, neighborhoods, and cultural heritage that define West Virginia’s most notable cities. Renters will find that despite its modest size, the state offers a surprising variety of options, from quiet, leafy suburbs to lively downtown areas. Here are the major cities in West Virginia to consider moving to.
1. Charleston, West Virginia
Population: 48,864 Average rent for a one-bedroom apartment: $699 Average rent for a two-bedroom apartment: $829 Charleston, WV apartments for rent
Charleston, the state capital, offers a unique blend of historical charm and modern amenities. Residents enjoy a variety of outdoor activities, including hiking and kayaking along the Elk and Kanawha Rivers. The city’s arts scene, including the annual Charleston Light Opera Guild, provides cultural enrichment and entertainment.
2. Huntington, West Virginia
Population: 46,842 Average rent for a two-bedroom apartment: $850 Huntington, WV apartments for rent
Huntington is known for its dynamic community and the Marshall University campus, which adds a lively atmosphere to the city. The city boasts the Huntington Museum of Art and the beautiful Ritter Park, offering residents a mix of cultural and recreational activities.
3. Morgantown, West Virginia
Population: 30,347 Average rent for a one-bedroom apartment: $607 Average rent for a two-bedroom apartment: $747 Morgantown, WV apartments for rent
Home to West Virginia University, Morgantown is a bustling city with a youthful spirit. The city offers numerous parks, such as Dorsey’s Knob Park, providing stunning views and outdoor activities. The downtown area is filled with shops, restaurants, and cafes, catering to diverse tastes.
4. Parkersburg, West Virginia
Population: 29,738 Average rent for a one-bedroom apartment: $700 Average rent for a two-bedroom apartment: $825 Parkersburg, WV apartments for rent
Parkersburg sits along the Ohio River, offering scenic views and waterfront activities. The city is rich in history, with landmarks like Blennerhassett Island Historical State Park. Residents enjoy community events, local markets, and the Parkersburg Art Center.
5. Wheeling, West Virginia
Population: 27,052 Average rent for a one-bedroom apartment: $635 Average rent for a two-bedroom apartment: $775 Wheeling, WV apartments for rent
Wheeling is known for its historic architecture, including the Victorian-era Wheeling Suspension Bridge. The city’s heritage is celebrated at the annual Heritage Port Sternwheel Festival. Oglebay Park offers year-round recreational activities, from golfing to winter lights displays.
6. Weirton, West Virginia
Population: 19,163 Average rent for a two-bedroom apartment: $650 Weirton, WV apartments for rent
Weirton, nestled in the Northern Panhandle, offers a close-knit community atmosphere. The city provides easy access to outdoor adventures in the nearby hills and rivers, and the Weirton Area Museum and Cultural Center showcases the city’s industrial heritage.
7. Martinsburg, West Virginia
Population: 18,777 Average rent for a one-bedroom apartment: $682 Average rent for a two-bedroom apartment: $1,712 Martinsburg, WV apartments for rent Martinsburg, WV homes for sale
Martinsburg, with its rich Civil War history, offers numerous historical sites, including the Belle Boyd House. The city’s downtown area is a hub for local businesses and events, fostering a strong sense of community among residents.
8. Fairmont, West Virginia
Population: 18,416 Fairmont, WV apartments for rent
Fairmont, known as the “Friendly City,” lives up to its name with a welcoming community. The city is home to Prickett’s Fort State Park, offering a glimpse into 18th-century life. Fairmont’s culinary scene includes the famous pepperoni roll, a local delicacy.
9. Beckley, West Virginia
Population: 17,286 Average rent in Beckley: $1,136 Beckley, WV apartments for rent
Beckley offers a gateway to outdoor adventures in the Appalachian Mountains, including hiking and whitewater rafting. The Beckley Exhibition Coal Mine provides an educational experience about the region’s coal mining history. The city’s annual Appalachian Festival showcases traditional music and crafts.
10. Clarksburg, West Virginia
Population: 16,061 Average rent for a one-bedroom apartment: $850 Average rent for a two-bedroom apartment: $1,800 Clarksburg, WV apartments for rent
Clarksburg, the cultural and commercial hub of North Central West Virginia, boasts a bustling downtown area. The city’s Italian Heritage Festival celebrates Clarksburg’s rich Italian culture. The Robinson Grand Performing Arts Center hosts a variety of performances, enriching the city’s cultural landscape.
Methodology : The population data was retrieved from the United States Census Bureau for 2021, while the average rental data was sourced from Rent.com and the Redfin Data Center in March 2024.
Generally, it helps to save up to 20-25% of a house’s sales price. However, factors like geographical location, economic climate, real estate interest rates, and global events will influence how much money you’ll need to buy a house.
Key Takeaways:
An ideal down payment is 20% to 25% of a home’s value.
USDA and VA home loans traditionally don’t require down payments.
If you make a down payment below 20%, you may be required to get private mortgage insurance.
How much money do you need to buy a house? That cost depends on numerous factors like inflation and real estate trends. According to the Census, homes sold for a median price of $420,700 in January 2024.
Thankfully, you don’t need to pay off that amount all at once. A down payment that’s 20% to 25% of a home’s value can help you secure a property. Even if you don’t have the funds to make a sizeable down payment, low and no-down-payment mortgage options are available.
Below, we’ll share our expertise to help you learn all about loans and mortgage options. We’ll also answer several common questions and share helpful tools, like Credit.com’s mortgage calculator.
All Costs Associated with Buying a House
Spend enough time shopping around for houses, and you’ll learn very quickly that a property’s sales price isn’t the only expense you’ll have to pay. Below, we’ll cover down payments, earnest money deposits, and other factors that determine the real cost of a home.
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Down Payments for Different Mortgage Options
According to the United States Census Bureau, 661,000 new homes were sold in January 2023. Most homebuyers don’t pay off their properties in full from the get-go. Instead, they cover a portion of the home’s cost with a down payment, then gradually pay off the remaining value via monthly mortgage payments.
“How do home mortgage rates work?” and “What types of mortgages am I eligible for?” are common questions for first-time homebuyers.
Below, we’ll discuss four mortgage options and break down how each of them works.
1. Conventional Mortgage
A conventional loan is a mortgage option that’s offered by a private lender instead of the government. Mortgage companies, credit unions, and banks offer conventional loans, though they might require a down payment between 20% and 25% of a property’s sales price.
Lenders might request that you purchase private mortgage insurance (PMI) if your down payment is less than 20%. PMI reimburses lenders if you don’t make your mortgage payments, and borrowers will have to pay for coverage annually.
2. USDA Mortgage
The United States Department of Agriculture (USDA) offers this unique mortgage to borrowers who live in rural areas. A USDA mortgage has no down payment requirement, and its interest rate is very competitive.
To qualify for a USDA loan, you need to:
Buy an eligible property. Your potential home has to be in an eligible rural area.
Meet income guidelines. To qualify for a USDA loan, your income can’t exceed a state-specific amount.
Use the home as your primary dwelling. You have to live on the property permanently.
Be a U.S. citizen, a U.S. national, or a qualifying resident alien. Foreign nationals not authorized to remain in the United States can’t get USDA loans.
You’ll also need to meet the lender’s credit requirements. On average, a credit score of 620 or more will qualify you for a government-backed USDA loan.
3. FHA Mortgage
The Federal Housing Administration (FHA) offers this distinct government-backed mortgage. Borrowers can secure an FHA mortgage with a down payment as low as 3.5%.
Borrowers with very low credit scores might be eligible for an FHA loan, at the expense of having more strict loan limits and higher up-front costs.
To get an FHA loan, you need to meet the following requirements:
Primary residence. The house associated with your loan must be your primary residence. You can’t rent it out to others for profit.
FHA maximum limit. FHA loans can only apply to properties within a set price range. In 2024, the maximum FHA loan amount is $498,257 for single-family homes.
Debt-to-income ratio. To qualify for an FHA loan, you must spend a maximum of 43% of your income on housing costs and housing-related debt.
4. VA Home Loans
Veterans Affairs (VA) loans offer low credit requirements and come with no down payment restrictions.
Certain people qualify for VA loans, including:
Service members who’ve served for at least 90 days consecutively.
Veterans who’ve served at least 181 continuous days, depending on their deployment date.
National Guard members with six years of Active Reserve status or 90 consecutive days of active duty service.
Surviving spouses of veterans, including veterans who are missing in action or being held as a prisoner of war (POW).
Earnest Money Deposit
An earnest money deposit is a payment that buyers can place to demonstrate how serious they are about obtaining a property. Earnest money deposits are normally between 1% and 3% of a property’s sales price. This deposit is not the same as a down payment.
When you make an earnest money deposit, those funds are put into an escrow account. If the seller of a property closes on a deal with you, your earnest money deposit is then added to your down payment. If the seller doesn’t close on the deal with you, it’s possible to regain your earnest money deposit if contingencies are set in place.
Several common contingencies include:
Home inspection contingency: Buyers request to have an inspection conducted on a property. If problems are discovered, buyers can back out of a deal.
Home sale contingency: Buyers who might need to sell their current home can ask for extra time.
Insurance contingency: This is for buyers who may need time to obtain home insurance for a property.
Closing Costs
Closing costs include taxes, appraisals, home inspection costs, title costs, and attorney fees. They’re generally between 3% and 6% of your mortgage principal. Your mortgage principal is the amount you borrow—so the bigger your down payment, the less you’ll pay in closing costs.
Let’s use the $200,000 home above as an example. Consider these three 4% closing cost scenarios:
Your down payment is 10%, or $20,000, leaving a mortgage principal of $180,000. Your closing costs will roughly amount to $7,200.
You offer20%, or $40,000, as your down payment. Your mortgage principal is $160,000, and you’ll pay $6,400 in closing costs.
You apply for a mortgage with no down payment, so your mortgage principal is $200,000. Ultimately, you’ll pay $8,000 in closing costs.
Home-Buying Examples
Next, we’ll show you how to determine your down payment on a home with the previous loans as examples. Let’s imagine your dream home is on the market for $200,000.
Down payments for conventional mortgages are usually $10,000 – $40,000.
USDA mortgages normally don’t require down payments.
An FHA mortgage can cost as little as $7,000.
A VA home loan also doesn’t require a down payment.
USDA and VA home loan mortgage options have the lowest up-front costs for eligible borrowers. An FHA mortgage is less costly than a conventional loan, but interest rates will affect your total payments in the long term.
Financial Resource Ideas
Making a down payment can be challenging because you need a paper trail of your purchases. In most cases, you can’t use borrowed money for a down payment.
Conversely, we know several creative ways to come up with a down payment:
Profits earned from stock or bond sales
Filing for an IRA or 401(k) withdrawal
Paying with money from your checking or savings account
Cash earned from a money market account
Using funds from your retirement account
Monetary gifts
You can roll other funds, like your tax return or a security deposit refund, into your down payment, too.
How Much Money Should I Save Before Buying a House?
It’s important to look at the big picture when buying a house. You’ll need to pull together a down payment and closing costs, but you’ll also need to budget for removal costs, inspections, and repair fees.
A tool like a monthly budget template can put your common expenses into perspective and help you better understand how much house you can afford with your current income.
When Should I Seek Mortgage Relief?
“What happens if I miss a mortgage payment?” is another concern for new and long-time homeowners. First, know that your home won’t immediately be foreclosed on if you miss a payment. Foreclosure usually isn’t imminent unless you’ve missed two or three payments.
If your mortgage payments aren’t within reach, you can contact your lender and explain your specific situation. Seeking forbearance, which is a temporary pause on your payments, can also help you regain your bearings.
Prepare to Buy a Home with Credit.com
Knowing your credit score and understanding the elements that affect it can help you know what you need to do to prepare for loan opportunities.
Sign up for Credit.com’s ExtraCredit® subscription to check out 28 of your FICO® scores. Afterward, visit our mortgage rates page to get additional information.
Los Angeles is an undeniable international creativity, entertainment, and innovation hub. Known for its sprawling footprint, the city offers a unique blend of glamor, culture, and cutting-edge industry, attracting millions of visitors and new residents each year.
From the iconic Hollywood sign to the bustling streets of Downtown LA, the city is a hotspot for artists, entrepreneurs, and dreamers.
Whether you’re soaking up the sun on one of its world-famous beaches or moving to the City of Angels to pursue your loftiest dreams, Los Angeles promises an unforgettable experience. Let’s dive into ten specific things that make Los Angeles a city like no other.
1. Hollywood Sign
The Hollywood Sign is not just the landmark of one of LA’s most iconic neighborhoods; it’s a symbol of dreams, ambition, and the global entertainment industry. Perched on Mount Lee in the Hollywood Hills, this iconic sign originally advertised a local real estate development in 1923. Today, it’s a must-see for tourists and a constant reminder of the city’s pivotal role in film and television. The sign’s towering letters have watched over countless film productions and continue to inspire those who come to Los Angeles hoping to make a mark in the entertainment world.
2. Griffith Observatory
Griffith Observatory offers breathtaking views of Los Angeles and the cosmos. Situated on the southern slope of Mount Hollywood in Griffith Park, this observatory is as much a gateway to the stars as it is a stunning vantage point for viewing the city’s expansive landscape. Inside, visitors can explore exhibits about space and science, watch live shows in the planetarium, and peer through telescopes to gaze at the celestial wonders.
3. Venice Beach
Venice Beach is renowned for its eclectic boardwalk, talented street performers, and picturesque canals that mirror its Italian namesake. This beachfront neighborhood captures the essence of California’s free spirit with its skate parks, mural-covered buildings, and boutique shops. Whether you’re watching the skilled skateboarders, shopping for unique souvenirs, or simply enjoying the sun, sand, and surf, Venice Beach provides an unforgettable slice of Los Angeles’ laid-back lifestyle.
4. The Getty Center
The Getty Center stands out as a monumental testament to art, architecture, and stunning gardens. Sitting atop the Santa Monica Mountains, it has panoramic views of Los Angeles and houses an impressive collection of artworks spanning centuries. From European paintings to modern sculptures, the Getty’s exhibits are as diverse as the city itself.
5. Los Angeles County Museum of Art (LACMA)
Los Angeles County Museum of Art, or LACMA, is the largest art museum in the western United States, showcasing an extensive collection that spans geographical boundaries and historical periods. From ancient artifacts to contemporary pieces, LACMA offers something for every type of art enthusiast. The museum is also home to Chris Burden’s “Urban Light,” a captivating installation of restored street lamps that has become an iconic photo spot for visitors and locals alike.
6. Universal Studios Hollywood
Universal Studios Hollywood is a thrilling blend of an amusement park and a working movie studio, providing visitors with an immersive entertainment experience. Here, you can explore the wizarding world of Harry Potter, face off against dinosaurs in Jurassic Park, or take a behind-the-scenes tour of real film sets. It’s a unique opportunity to dive into the magic of movie-making and enjoy rides and shows based on popular films and TV shows.
7. Hollywood Walk of Fame
The Hollywood Walk of Fame stretches along Hollywood Boulevard, paying tribute to stars from the entertainment industry. With over 2,600 brass stars embedded in the sidewalks, it honors actors, musicians, directors, producers, and fictional characters. Tourists flock here to find the stars of their favorite celebrities and capture a piece of Hollywood history. The Walk of Fame is a testament to the city’s enduring impact on entertainment.
8. Santa Monica Pier
Santa Monica Pier is a classic symbol of California’s beach culture, with amusement park attractions, family-friendly restaurants, and stunning ocean views. The pier’s Ferris wheel and roller coaster add a nostalgic charm to the seaside setting. It’s a popular spot for fishing and, at night, the lit-up Ferris wheel creates a magical backdrop against the Pacific Ocean.
9. The Broad
The Broad is a contemporary art museum in Downtown Los Angeles, known for its innovative architecture and extensive collection of post-war and modern art. Founded by philanthropists Eli and Edythe Broad, the museum houses over 2,000 works of art, including pieces by Andy Warhol, Jeff Koons, and Roy Lichtenstein. Admission is free, making it an accessible destination for artsy types and casual visitors alike.
10. Dodger Stadium
Dodger Stadium is the historic home of the Los Angeles Dodgers and so much more than just a ballpark. Located in the Elysian Park neighborhood, it offers stunning views of the downtown skyline and the San Gabriel Mountains. Attending a game here is a quintessential LA experience, complete with sunny skies, cheering fans, and the chance to catch a fly ball. Beyond baseball, Dodger Stadium hosts concerts and events, making it a versatile venue in the heart of Los Angeles.
Florida is a popular destination for beaches, theme parks, rocket launches and more. However, one of the more underrated destinations in this state is Fort Walton Beach. Let’s take a look at how to get there, the best things to do in Fort Walton Beach and where to stay once you arrive.
The best things to do in Fort Walton Beach
Fort Walton Beach offers many things to do for every type of traveler. Whether you’re visiting as a family, with friends or on a couple’s getaway, you’ll find plenty of attractions, cultural experiences and outdoor adventures to fit your budget.
1. Paddleboard along the coast
Fort Walton Beach offers calm, clear waters in its bays, which is perfect for stand-up paddleboarding (SUP). This activity is one the best things to do in Fort Walton Beach whether you’re an expert or a beginner.
Some of the locals’ favorite spots include Norriego Point, Okaloosa Island Beach and Gulf Islands National Seashore. If you don’t have your own equipment, local businesses rent boards to visitors wanting to enjoy the sun and water.
2. Visit the Air Force Armament Museum
For the AV geek or military buff in your family, the Air Force Armament Museum is a must. This military museum features over 29 different aircraft ranging in age from the War II-era to present day. Inside, you’ll also find exhibits featuring hundreds of pieces of armament, including bombs and missiles.
It’s a good option for budget-conscious travelers because admission is free. It’s open every day from 9:30 a.m. to 5 p.m., including most federal holidays.
3. Learn local history at Fort Walton Beach Heritage Park and Cultural Center
The Fort Walton Beach Heritage Park and Cultural Center is the place to be for visitors wanting to learn about local history. This museum showcases the area’s history from 12,000 B.C. through the 1950s.
The park includes numerous attractions, such as Indian Temple Mound Museum, Camp Walton Schoolhouse Museum, Garnier Post Office Museum, Fort Walton Temple Mound and the Civil War Exhibit Building.
Purchase your admission inside the Indian Temple Mound Museum for $5 per person. One ticket includes admission to all of the attractions listed above. The museums open at 10 a.m. and close by 3 p.m. (or earlier). It is closed on Sundays, Mondays and all major holidays.
4. Step into the Norriego Point tide pools
The Norriego Point tide pools offer a shallow water experience for visitors of all ages. The tide pools are cordoned off from open waters to provide a safe space for small children and inexperienced swimmers.
In the tide pools, you’ll discover numerous types of fish, hermit crabs and more. Learn about the local sea life up close. These also offer a unique vantage point to watch the boats coming into the harbor.
There is no cost to visit the Norriego Point tide pools. However, parking is limited, so consider parking at nearby O’steen Beach or on the local streets.
5. Feed an alligator at Gator Beach
Another activity at Fort Walton Beach is seeing the alligators at Gator Beach. There is no admission fee, and its considered the largest alligator park on the Emerald Coast.
This attraction features hundreds of alligators; for a small fee, visitors can feed the gators. If you’re brave enough, you can even take a picture while holding a live alligator. There are also multiple shows and tours throughout the day to learn about this local species.
6. Experiment at the Emerald Coast Science Center
The Emerald Coast Science Center in Fort Walton Beach is one of many attractions for families with young children.
This interactive, hands-on museum features numerous exhibits for guests, including dinosaur fossils, robotics, chemistry demonstrations and a handful of outdoor exhibits. Plus, there are additional areas with live birds, mammals and reptiles to round out your science adventure.
The museum is open Wednesday through Saturday from 10 a.m. to 3 p.m. Admission is $12 per person, and children two and under are free.
7. Camp at Henderson Beach State Park
While many travelers prefer a nice hotel, others are looking for a more rustic experience. Camping at Henderson Beach State Park allows visitors to immerse themselves in the outdoors and enjoy 30-foot sand dunes and warm Gulf Coast waters.
The state park offers 60 campsites, fishing opportunities and a nature trail. It’s adjacent to the beach, and campers can access the water using the boardwalk.
Visitors can make reservations up to 10 months in advance (11 months for Florida residents). Campsite prices range from $16 to $42 per night and cabins are $30 to $160 a night. Florida State Parks also charges a nonrefundable fee of $6.70 per reservation. You can book your stay online or over the phone at 800-326-3521.
8. Become a mermaid at Reefs & Wrecks Remembered
If you or your child has ever dreamed of becoming a mermaid, this dream can become reality at Reefs and Wrecks. This PADI-certified company offers three different types of mermaid experiences for different levels of swimmers.
The entry level course is the Discover Mermaid experience in a shallow pool. For experienced divers, the Advanced Mermaid course includes two sessions in open water where you can test out your mermaid skills. Prices start at $145 and go up to $450, depending on the course selected.
9. Go fishing at The Island Pier
Throw out a line or just enjoy the views from The Island Pier. This pier stretches 1,262 into the Gulf of Mexico, so it offers unparalleled views of the beach and water.
Local marine life includes dolphins, sea turtles, herons and pelicans. Visitors can purchase a daily fishing license, buy lures and tackle or rent equipment from shops on the pier.
If you’re unable to catch anything, don’t worry about going hungry. The pier’s shop serves sandwiches, ice cream, snacks and drinks.
10. Stroll the Okaloosa Island Boardwalk
Along the Okaloosa Island Boardwalk, you’ll find a variety of dining options, gift shops and activities. There are numerous restaurants to choose from based on your budget and appetite.
Plus, visitors can enjoy the children’s playground, splash pad and sand volleyball courts. During the summer, stick around after dark for the fireworks show on Wednesday evenings.
11. Shop local at the Downtown Fort Walton Beach Farmers Market
Support local farmers, artisans and crafters by shopping at the Downtown Fort Walton Beach Farmers Market. The market is open year-round on the second and fourth Saturdays of each month. It operates from 8 a.m. to 1 p.m., so arrive early for the best selection.
The Okaloosa Farmers Market is another option where you can buy local goods. It operates on Tuesdays, Thursdays and Saturdays from 7 a.m. to 2 p.m.
12. Go snorkeling at Stingray Bay
The Gulfarium Marine Adventure Park is a unique experience for travelers. The park offers numerous animal encounters, including dolphins, harbor seals, penguins and stingrays.
Ticket prices are $30 or less, depending on your age. Florida residents receive a discount.
One of the experiences available is to snorkel in Stingray Bay. For an additional $59, you’ll get 30 minutes to snorkel and interact with cownose rays, small sharks, groupers and numerous fish species.
13. Experience the fun at Crab Island
One of the top things to do in Fort Walton Beach is Crab Island, which takes advantage of the shallow waters and raised sandbars along the Gulf Coast.
In most places, the water is only one to four feet deep, so it’s safe even if you don’t know how to swim. Visitors will find obstacle courses, floating bars and more for fun in the sun.
Only accessible by boat, many people rent one or bring their own to visit Crab Island. Some arrive on pontoon boats so they have a place to rest and relax during the day. There are also tour and water taxi options.
While there is food available from floating food vendors and restaurants, you cannot purchase alcohol on Crab Island. You’ll have to bring your own if you want to enjoy an adult beverage.
Where is Fort Walton Beach, Florida?
Fort Walton Beach is located on the Florida panhandle, across the Choctawhatchee Bay from Destin. The city is about two hours east of Mobile, Alabama, and about an hour west of Panama City Beach, Florida.
How to get to Fort Walton Beach, Florida
Fort Walton Beach is a popular road trip destination for travelers in the South. However, the local Destin-Fort Walton Beach Airport is also an option for those who wish to fly. The airport is serviced by Allegiant Air, American Airlines, Delta Air Lines, Southwest Airlines and Sun Country Airlines.
There are numerous nonstop flights from airports across the country, including Boston, Dallas-Fort Worth, Minneapolis, Las Vegas and Washington-National.
Where to stay in Fort Walton Beach
Travelers have a variety of lodging options when booking their vacation to Fort Walton Beach. Here are a few from several major hotel chains, along with how many points are needed to book a room there in 2024.
Tru by Hilton Fort Walton Beach: Redemptions from 22,000 to 70,000 Hilton Honors points per night.
Holiday Inn Express Fort Walton Beach Central: Redemptions from 14,000 to 43,000 IHG One Rewards points per night.
Fairfield Inn & Suites Fort Walton Beach-West Destin: Redemptions from 32,000 to 48,000 Marriott Bonvoy points per night.
You can earn a large sum of points quickly by getting the sign-up bonus for new hotel and travel credit cards. Generally speaking, to earn a bonus, you need to spend a certain amount within a specific time frame after signing up for the card.
Top hotel credit cards
Marriott Bonvoy Boundless® Credit Card
on Chase’s website
Hilton Honors American Express Surpass® Card
IHG One Rewards Premier Credit Card
on Chase’s website
Annual fee
Sign-up bonus
Limited time offer! Earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card.
Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Terms Apply.
Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Still not sure?
Once you reach that threshold, you’ll earn a bulk sum of points or miles that can be used toward award redemptions.
Other accommodations in Fort Walton Beach can be booked through Expedia, Hotels.com and Vrbo using OneKey Rewards.
Things to do in Fort Walton Beach recapped
Beach vacationers should consider visiting Fort Walton Beach in the Florida panhandle. There are many fun things to do for adults and kids alike. Learn about the city’s history, make new friends with local wildlife, go fishing and enjoy a variety of water activities.
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: