Here’s a bright idea — it’s time to work smarter, not harder on your holiday lights this year. Smart LED lighting not only allows you to create festive lighting you can control, but it can also save you money on your electric bill.
We’ve found top-rated, customer-loved smart holiday lights that can be used to showcase the colors and lighting effects you want on your Christmas tree, Christmas wreath, outdoor holiday decor and more. Plus, most of our smart light picks can be controlled using your smartphone. How genius is that?
Christmas home decorating ideas using smart lights
Transform your entire home into a holiday wonderland that your family, friends and neighbors will love. Let’s take a look at amazing smart lighting options that make decorating your home for the holidays super simple.
Philips Hue Christmas Festavia 65′ string lights
Even Santa would approve of decorating your Christmas tree, as well as the inside and outside of your home, using Philips Hue Festavia 65-foot smart string lights.
Each string includes 250 individual mini smart LEDs that are app controlled and can work in conjunction with all other Philips Hue smart lighting products that use a Philips Hue Bridge (sold separately or as part of a smart lighting kit).
The Festavia string lights are also available in a 130-foot length that includes 500 individual mini lights ($360). Both sets can be set up to sync with your favorite holiday music.
A smart Christmas tree: Mr. Christmas Vermont Spruce
One of the best decisions you can make this holiday season is to adopt smart lighting in all aspects of your Christmas decorating, starting with the Christmas tree. The Mr. Christmas Vermont Spruce is seven feet tall with a 48-inch diameter. It comes with 400 mini-LED smart lights built into the artificial tree, allowing for quick and stress-free setup. The lights can be voice-controlled via Alexa, enabling you to instantly change the lighting color or lighting mode
In addition to all white or multi-colored lights, you can opt to have all of the lights display just red, green, blue, light blue, yellow or purple. Lighting modes include steady, sparkle, firefly, flip and fade. You’re also able to create a schedule for the lights to turn on and off, or switch between colors and scenes automatically.
A flexible and customizable decorative light string: Govee Christmas lights
For your indoor or outdoor holiday light decorating, the Govee Christmas lights are an affordable alternative to string lights. However, these offer just as many customization options.
This 66-foot-long string light set includes 200 mini-LEDS that are fully programmable. Because it’s IP65 rated, this light strip can be used indoors or outdoors. The flexible string can be wrapped around a tree, staircase, fence or pillar. It can also be hung around the edge of a ceiling, around a doorframe, or on any wall. Use your creativity to discover unique ways of using these bright and colorful smart lights throughout your home.
Once set up, the Govee Christmas lights can be programmed to display your choice of 16 million colors, using a variety of pre-programming lighting effects. The lights can even sync with whatever music is playing. There are 99 pre-set lighting scenes to choose from. You have full control over these lights (and all other Govee smart lighting products) using Alexa voice commands or the easy-to-use Govee mobile app (for iOS and Android-based devices).
If you’re looking for more traditional holiday string lights, but want to control them using a smartphone app, we suggest these Twinkly Strings smart lights. The 65.5-foot string includes 250 mini-LEDs, each of which can display more than 16 million colors, so you can decorate your home with beautiful light and color.
Using the Twinkly mobile app, it’s easy to control one strand of string lights or multiple strands at the same time. This means all of the lighting can sync perfectly within each room or area of your home. Using the app, you’re also able to create a schedule to turn the lights on and off, have the lighting change colors or patterns at predetermined times, have the lights sync with the music that’s playing, or instantly switch to a light color and pattern that you want. The lights also accept voice commands. Because they’re waterproof, you can set them up indoors or outdoors.
While it’s possible to set up multiple 65.5-foot Twinkly Strings lights to work together, there’s also a cluster version of the lights that includes 400 mini-LEDS on a 19.5-foot strand. This variation allows you to create different visual effects using a larger number of smaller LED lights (within a smaller space) that can also display over 16 million colors.
Offering yet another way to decorate the outdoor areas of your home, Govee offers its permanent outdoor lights package. Throughout the year, these lights can brighten a porch, terrace, or front door area of your home with bright decorative white lights. During the holiday season, these same lights can transform your outdoor space with holiday colors and animated light sequences.
These smart lights come in 100-foot strands that contain 72 LED eaves lights that are waterproof and controllable using the same Govee mobile app that works with all of the company’s smart lighting products. The lighting set also responds to voice commands via Alexa or Google Assistant.
Each of the lights can alternate between 16 million user-selectable color options and together showcase any of the 75 pre-programmed scenes that are accessible via the app. Each light has a maximum brightness of 26 lumens. Since these lights are designed to be attached permanently to the outside of your home, special VHB glue and clips are provided.
Holiday wreaths with integrated smart lighting: Twinkly pre-lit wreath
Using the same mobile app that controls other smart lighting products from Twinkly, you’re able to control the 50 mini-LED lights that come pre-wired within this artificial holiday wreath that has a two foot diameter.
The smart lights within the wreath can display more than 16 million colors in a variety of customizable or pre-created lighting patterns. The app is available for iOS and Android mobile devices.
The wreath’s lighting responds to voice commands via Alexa or Google Assistant. To coordinate perfectly with this wreath, your Christmas tree and other holiday decor, Twinkly also offers a nine-foot, pre-lit garland ($115). It utilizes 50 fully controllable smart mini-LEDs and works with the same app.
Decorative smart lighting you can use all year long: Nanoleaf Shapes
Nanoleaf offers a variety of decorative smart lighting products. Most come in a collection of flat tiles that get hung on a wall in whatever pattern you choose. This LED lighting kit includes nine hexagon-shaped tiles that are app-controlled. Each tile can display more than 16 million colors. Using the Nanoleaf app, you’re easily able to choose from hundreds of pre-created animated light patterns, have the lights sync with music, or display whatever color(s) and patterns you want.
Throughout the year, Nanoleaf Shapes can add decorative ambience to any room, but during the holidays, the lights can mimic the Christmas lights strung throughout your home or on your tree.
If nine hexagon-shaped titles isn’t enough, expansion kits with hexagonal and different size triangle-shaped titles are sold separately. What we love about these smart light products is that you can mix and match the Nanoleaf tiles and create whatever pattern you desire on your walls. Then you can choose the colors and animated light patterns that are displayed at any given time. Each tile sticks to the wall using removable mounting tape that’s supplied.
Use regular light fixtures to display holiday lighting: Philips Hue A19 LED smart bulb starter kit
One of the great things about the Philips Hue home smart lighting ecosystem is that there are literally dozens of options to choose from, including stand-alone light fixtures with color-changing smart bulbs built into them, smart light strips, decorative lights and replacements for recessed ceiling lights.
The expansive Hue product line also includes standard A19 LED light bulbs that can replace the traditional light bulbs within your existing light fixtures. Doing this transforms those light fixtures into smart lights within minutes.
To take advantage of the Philips Hue smart lights, you need to either purchase a Hue Hub (that’s sold separately) or acquire the necessary hub as part of a Hue Starter Kit.
We recommend the Philips Hue A19 LED smart bulb starter kit because it includes the required hub, along with four standard size (A19) light bulbs that can be used within any of your existing light fixtures. Once this starter kit is set up, you can easily add any additional Hue smart lighting products (including more A19 bulbs, which are sold separately) to your home and control them all using the same Hue mobile app.
Each A19 smart bulb can display many shades of white, as well as more than 16 million colors. And in addition to selecting the colors, you’re also able to set each bulb’s brightness. The lights can be controlled one at a time, in groups within a single room, or you can use the app to control all Hue lights at once. Using a few on-screen taps or voice commands, it’s possible to create customized lighting scenes or choose from thousands of pre-created animated scenes –- including many that are holiday-specific.
Upgrade your artificial Christmas tree: Fraser Hill Farm 12-foot flocked Christmas tree with smart lights
This holiday season, make things easier on yourself with two simple moves. First, swap out the real tree for a super-realistic artificial Christmas tree – no more fussing with the live ones. Second, bring some smart lighting magic to your tree to make it the ultimate holiday showstopper.
Meet the Fraser Hill Farm 12-foot flocked Christmas tree with built-in smart LED lights. It’s a breeze to set up, and it stands at 12 feet tall with a 76-inch diameter. If that’s too big for your space, don’t worry – Fraser Hill Farm offers similar artificial trees in 6.5′, 7.5′, or 9′ heights.
This tree has 5,483 lifelike, flocked tips that give it the charm of a traditional cut tree. It’s designed to last for years and dazzle you every holiday season. Plus, it comes with a bunch of cool lighting options to suit your mood.
Related content from CBS Essentials
Jason R. Rich
Jason R. Rich (www.JasonRich.com) is an internationally recognized consumer technology expert with more than 30 years’ writing experience. He’s also an accomplished author and photographer. One of his most recently published books, The Remote Worker’s Handbook: How to Effectively Work From Anywhere ($24.99, Entrepreneur Books) is now available from Amazon and wherever books are sold.
California’s population of homeless veterans has plateaued despite billions of dollars in state spending to create housing for former military service members. Now, Gov. Gavin Newsom wants to shift the state’s resources to focus on veterans with serious mental health conditions.
$6.4 billion mental health bond he’s sending to voters in the March primary election, would set aside funding specifically for veterans with serious behavioral health conditions.
That’s a shift from California’s last two major efforts to fund housing for veterans, both of which created units for a general population of former military service members.
The first effort began in the late 1990s, when the state built seven new veterans’ homes over a period of 17 years. Today those veterans homes are underused. They were built to house about 2,400 people, but only 1,575 veterans live in them. The 300-unit veterans home in Barstow was so underutilized in 2020 that Newsom moved to close it as he braced for a pandemic recession, although lawmakers blocked him from shutting the site.
The second push centered on a pair of ballot measures voters approved in 2014 and in 2018 that allocated $4.6 billion to build housing specifically for former military service members. The money created the Veterans Housing and Homelessness Prevention Program, which has supported the construction of about 3,250 housing units for veterans to date.
Veterans advocates and state officials view the programs — along with federal efforts led by the Department of Veterans Affairs — as successful in reducing homelessness among former military service members. In the last 12 years, veteran homelessness in California has decreased by more than 30%.
But the trend in California mostly accounts for gains made during the Obama administration, when veteran homelessness peaked nationwide and the Department of Veterans Affairs moved aggressively to place former troops in housing. Since 2014, the number of homeless veterans in California has mostly plateaued around 10,000 to 12,000 people, according to annual counts released by the Department of Housing and Urban Development.
Alex Visotzky, senior California policy fellow at the National Alliance to End Homelessness, said the high numbers of veteran homelessness result from the challenges veterans face on returning home in California’s competitive housing market.
“When housing markets are unaffordable and incredibly competitive, those with the greatest needs are going to be more likely to fall out,” he said.
Newsom’s new strategy in the mental health bond, advocates say, should help those most in need. The California Department of Veterans Affairs estimates that half of the state’s unhoused veterans suffer from some kind of behavioral health issue.
The money in the bond would go to the state’s Department of Housing and Community Development, which would work with CalVet “to focus specifically on housing veterans experiencing behavioral health challenges,” said Assemblymember Jacqui Irwin, the Thousand Oaks Democrat who wrote the bill that ultimately put the bond on the ballot.
Studies have shown veterans are overrepresented in the nation’s homeless population. They may experience personal challenges, such as post-traumatic stress disorders or other mental health issues as well as disabilities related to their military service.
“Transitioning from that very specific culture and society to civilian life is a lifelong process,” said Amy Fairweather, director of policy at the veterans advocacy group Swords to Plowshares. “If you do have any physical or mental disabilities, dealing with those and trying to re-enter civilian life can be very difficult.”
Napa County as the state’s first veterans home. That site is still in operation, housing around 600 veterans on a picturesque property in wine country.
Altogether, the state now has eight veterans homes. The two largest homes are in fairly remote communities — one is in Napa County’s Yountville and the second is in Barstow in the Mojave Deserts. Moving to them can mean living at a long distance from a veteran’s family. That geography somewhat limits interest in the homes.
The homes account for the lion’s share of CalVet’s $650 million annual budget. Some advocates have called on the state to put money into programs that would benefit people who don’t necessarily want to live in a veterans home.
“The state should keep its promises to the current home residents, but as things change, the program needs to be less structured on just providing room and board for a very limited number of people and more structured on providing skilled nursing facility care for those who need it,” said Ethan Rarick, executive director at Little Hoover Commission, which published a report on the veterans homes in 2017.
Outside of the veterans homes, California approved a series of bonds meant to help military service members find housing beginning in 2008. The Veterans Bond Act, passed that year, provided $900 million to veterans through the CalVet Home Loans Program.
In 2014, California passed an initiative creating the Veterans Housing and Homelessness Program, which put $600 million toward building multi-family homes for veterans. A second ballot initiative in 2018 gave another $4 billion to the program.
The federal Department of Veterans Affairs, meanwhile, has kept up steady funding for housing vouchers that can provide a place to live for former troops. The Veterans Affairs Supportive Housing program, commonly known as HUD-VASH, was a centerpiece of the Bush and Obama administration’s efforts to curb veterans’ homelessness. It provides rental assistance to over 100,000 veterans nationally.
A steep drop in veteran homelessness
The number of homeless veterans in the U.S. peaked in the Great Recession, when the VA in 2007 reported some 154,000 former troops were homeless.
At that time, Fairweather of Swords to Plowshares said many of those deployed in the Iraq and Afghanistan wars were starting to come back home “to a society that wasn’t prepared for it.”
On top of that, they and older veterans struggled in the economic downturn, which led to more unemployment and homelessness.
“It all came together in a way that was really disadvantageous to the veterans,” she said.
Last year, the VA estimated about 33,000 veterans were homeless nationwide. According to the 2021 annual homelessness assessment report by the federal Department of Housing and Urban Development, more than half of them are over age 55. The data also shows that Black veterans are more likely to be homeless than veterans belonging to other races.
Advocates say veterans can be reluctant to ask for help.
“When veterans ultimately fall down that hole into homelessness, what is happening along with that is that they’re losing connection with friends and family, because they’re ashamed that their life is falling apart and it’s hard for them to ask for help,” said Stephen Peck, president of the veterans support organization U.S. Vets.
San Francisco native and Army veteran Latoya White has struggled to stay housed in the dozen years since she left the service. She has found it difficult to afford rent even though she was able to keep decent jobs at a grocery store, the San Francisco airport, and now as a city bus driver.
She was unfamiliar with the resources the VA offered to veterans, like housing vouchers.
“I’ve always had benefits through my job. I don’t think that then the VA had as many resources as they have now. I did go to the VA and they’re so limited on what they could help me with. So, you know, I just went and got a job and I just was really self sufficient,” she said.
After sleeping in her car and couchsurfing for several years, White reached out for help from the advocacy group Swords to Plowshares. That led her to transitional housing, and then to an apartment in San Francisco this June through the HUD-VASH program.
“A lot of us didn’t even know anything about the HUD-VASH program,” said White, 34. “A lot of veterans don’t even know that there is assistance out there for them.”
What does Newsom want to do?
Putting the money into the mental health bond comes with a tradeoff.
In advancing Newsom’s mental health plan, lawmakers amended an early version of Assemblymemer Irwin’s veterans’ housing bill that would have issued more bonds for the existing veterans’ housing program. Without new funding, the program that supports construction of multi-unit veterans’ housing is expected to run out of money in 2024.
Still, representatives for Newsom’s ballot measure in a written statement said the bond would create more capacity to help former troops.
“Proposition 1 adds new money for California’s most vulnerable veterans without any redirection or reprioritization from the current program. Without Proposition 1, there would be zero funding for homeless veteran housing moving forward, which is why the measure is so critically needed,” the statement read.
All together, the ballot measure going to voters includes $6.4 billion to fund projects for behavioral health issues and those at the risk of homelessness. It also includes a proposal to adjust how the state spends money it collects for mental health services from a tax on personal income over $1 million, aiming to direct more of the money to housing.
The $1 billion for veterans housing will be distributed in the form of loans and grants by the Department of Housing and Community Development.
Representatives from veterans’ groups say the program’s success could hinge on getting the word out, and providing services that provide a path out of homelessness.
At U.S. Vets, Peck said the nonprofit strives to create a community where veterans help veterans.
“Building that community is really important,” he said. “A federal veteran who’s been through the process already is probably more effective than we are as social workers.”
Gibson, who currently lives in transitional housing provided by Swords to Plowshares, has started to find that community through the nonprofit.
“I talked to them about how I’m struggling with some issues and they are pretty open and supportive about it,” she said.
Gibson hopes that federal and state services fund more community-oriented programs like hers, so more veterans are able to feel like they are home.
Supported by the California Health Care Foundation (CHCF), which works to ensure thatpeople have access to the care they need, when they need it, at a price they can afford. Visit www.chcf.org to learn more.
Amged Baker, a 40-year-old software developer, wanted to move to a bigger home as the Florida native transitioned into a new role at work that allowed him to be permanently remote. He also wanted more space for his two kids.
But Baker, who works for a real-estate platform, knew that it wasn’t that simple to trade up. Mortgage rates had doubled and home prices continued to rise. In his hometown of Palm Beach County, Fla., home prices soared by nearly 60% over the last five years.
He sold his previous home for $600,000, which had a 30-year mortgage rate of 2.8%. However, he was prepared to give up that rate if he could avoid paying a rate of 7%.
Baker was intrigued byassumable loans. Having refinanced his current home during the pandemic, he was keenly aware of the value of his ultra-low mortgage. He knew his monthly payments would be a lot more affordable with an assumable mortgage — and so his search began.
He’s not alone. It appears to be the housing market’s latest obsession — homeowners, buyers, and real-estate agents are all talking about assumable mortgages.
Across real-estate brokerage sites, listings boast that the home comes with an “assumable mortgage,” described in glowing terms as a “rare find,” “game-changer,” or as one buyer said on social media, “white whale.”
What are assumable mortgages?
With assumable mortgages, the loan — and, importantly, its interest rate — is passed from the seller to the buyer when a house changes hands.
With the U.S. housing market frozen by high rates and low inventory, it’s clear why people have turned their attention to assumable loans. They’re particularly appealing now because they offer homeowners a way to potentially capitalize on their pandemic-era ultra-low mortgage rate by passing it on.
Here’s the catch: Only certain types of loans can be assumable mortgages. The seller must have a government-backed home loan, which is insured by the Federal Housing Administration, Veterans Affairs, or certain loans by the U.S. Department of Agriculture.
“‘Folks don’t want to give up those assumable mortgages because they’re just as attractive to them as they are to you.’”
— Andy Walden, vice president of enterprise research strategy at ICE
These government agencies allow homeowners to transfer ownership of the mortgage to a new home buyer under certain conditions such as the new buyer having good credit, an acceptable debt-to-income ratio, and more.
For the typical home buyer today who is facing a 30-year mortgage with a rate over 7%, assuming an existing mortgage with an interest rate as low as 1.75% is an enticing proposition. It offers an alternative to buying points — fees a borrower pays the lender to cut the mortgage rate on their home loan — or taking out an adjustable-rate mortgage, which comes with its own risks.
For the seller, an assumable mortgage presents another feature to play up when listing their home. There is also, perhaps, some comfort in knowing that their ultra-low interest rate will be inherited by the buyer.
Assumable mortgages were popular in the 1980s
“For the last 40 years, rates have been falling, so nobody cared about assumability,” said Tod Tozer, former president and CEO of Ginnie Mae. “So we’re basically back to the future — we’re back to 40 years ago when 30-year mortgages were close to 13%, 14% back in 1981. And they’ve been falling ever since.”
Ginnie Mae securitizes all FHA, VA, and USDA mortgages for the secondary market. Tozer has also written about assumable mortgages being a “solution” to today’s frozen housing market, as the seller will be able to “receive top dollar for the sale of their home,” and move to another place.
Assumable mortgages were popular in the 1980s when mortgage rates were in the double digits. Back then, many conventional loans were assumable. “It was the standard of the industry,” Tozer said.
But assumable mortgages aren’t as common as a conventional loan, making them hard to come by.
Based on the market today, only 12 million mortgages are potentiallyassumable, which is less than a quarter of all mortgages in the U.S., according to loan-level data from ICE. Of these mortgages, which are primarily FHA, VA, and USDA loans, about 7.2 million or 14% have a mortgage rate of below 4%.
Assumable mortgages can be difficult to find, and it can also be difficult to get homeowners to part with their loan if the alternative is to buy a house with a much higher interest rate.
“Folks don’t want to give up those assumable mortgages because they’re just as attractive to them as they are to you,” said Andy Walden, vice president of enterprise research strategy at ICE, or Intercontinental Exchange, a data company.
Additionally, even after a buyer takes over the mortgage, they will still need to cover the difference between the outstanding balance and the sale price, Walden told MarketWatch.
How assumable mortgages work
So how do they work? Imagine an aspiring homeowner views a home valued at $375,000, and the home comes with an assumable mortgage of $225,000. The buyer in this situation will need to put down $150,000 in cash, or find other financing after they assume the mortgage.
If the buyer requires secondary financing, it will likely come at a higher interest rate, which will offset some of the savings from the assumable mortgage. Nonetheless, for homeowners who are keen on selling, if they have an assumable mortgage, their house will become more attractive to buyers.
“Veterans across the country are sitting on these ultra-low rates,” Chris Birk, vice president of mortgage insight at Veterans United Home Loans, told MarketWatch. “So they’ve got this incredible marketing opportunity.”
“‘Veterans across the country are sitting on these ultra-low rates. So they’ve got this incredible marketing opportunity.’”
— Chris Birk, Veterans United Home Loans
And yet of the 69,000 VA purchase loans that his company processed in 2022, only about two dozen were assumptions.
There’s a lack of awareness about assumable loans, Jason Mitchell, chief executive of Jason Mitchell Group, a Scottsdale, Ariz.-based real-estate brokerage, told MarketWatch.
The first question real-estate agents should ask homeowners who are listing their homes is whether their mortgage is assumable. “If you can mark it as an assumable mortgage at 3.5%, you’re gonna get a better price on your house,” he added.
What happens if the new buyer defaults on the assumable mortgage?
The person who assumes the mortgage also becomes responsible for paying the loan on time. If the new buyer stops making their mortgage payments and goes into default, that does not mean the original owner will be required to pay up.
With FHA loans, “once the assumption is complete, it is a full release of liability for the previous borrower, which means the new borrower (the borrower that has assumed the mortgage) has full responsibility for all aspects of the mortgage,” a HUD spokesperson told MarketWatch.
Similarly, with VA loans, when another buyer assumes the mortgage, there is a release of liability, Birk added. The veteran who owned the home previously isn’t financially responsible if the new owner defaults.
One man’s search for an assumable mortgage
During his search, Baker, the software developer, contacted Chris Tapia, a 41-year-old real-estate broker with Compass Florida. Tapia had met Baker three years ago when the homeowner bought his first home in Palm Beach, and the pair had become good friends.
Tapia had recently introduced the idea of assumable mortgages to Baker. The agent believed that it was one key way for home buyers to take back the purchasing power they lost as homeownership became more expensive.
“Everything is so phenomenally expensive that no one can really afford anything right now,” Tapia told marketWatch.
In his quest for assumable loans, Baker specifically looked for homes that were financed with a mortgage from the Federal Housing Administration, Veterans Affairs, or the U.S. Department of Agriculture.
He then searched home listings from various online brokerages to identify those that were financed with an FHA or a VA mortgage. He also looked at services such as FHA Pros, a site that provides real-time data for FHA and VA condominium approvals.
But homeowners can also look for listings with assumable loans via Google with the following search term: site:compass.com “assumable.”
MarketWatch found several new and old listings advertising assumable mortgages in the home’s description.
Finding an assumable rate of 3.05%
Baker and Tapia attended 20 open houses in Palm Beach County.
They made four offers and ultimately closed on a four-bedroom single-family home in Palm Beach County for $620,000. Baker took over the seller’s 30-year fixed-rate mortgage, under the assumption rules.It has a 3.05% rate.
He currently holds a Federal Housing Administration loan with an outstanding balance of $324,000. As a result, he put down $269,000 in cash.
The seller had only paid off about 3 years on their 30-year loan,so Baker took it over with a monthly payment of about $1,500. He estimated that buying the home with a conventional mortgage at the prevailing rate would cost closer to $2,300 a month.
Baker closed on the home in June 2023, and because he assumed the seller’s loan he did not have to pay thousands of dollars in closing costs.
“You will be hearing about assumable loans more often,” Tapia, the broker, said.
Baker agreed. “To be honest with you, it was always a good deal — it was always better than going the conventional route,” he said.
Inside: Are you looking for ways to make money on the side? This guide has everything you need to know about the best side hustles for men. From turning your passion into profit with these gig ideas!
In this post, I collaborated with my husband. Together, we combined our ideas and expertise after work to generate ideas centered around how men specifically can make money. His input and insights were remarkably vital to this post.
Break free from the 9-to-5 grind and embark on a journey towards a fulfilling side hustle – it’s a game-changer for gentlemen looking to beef up their bank accounts.
In the ever-evolving landscape of side hustles, now is your year to supercharge your earnings. There’s a treasure trove of opportunities waiting for you to delve into, all while indulging in your passions. From tech-savvy endeavors to unleashing your creative genius and practical gigs that pay, our guide is here to unveil the ultimate side hustles that can set you on the path to financial triumph.
Ready to boost your income? Fantastic! You’re on the path to prosperity.
Here, we’ll explore the 40 best side hustles for men in 2024.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Embracing the Hustle: Why Men Should Consider Side Hustles
Side hustles are more than mere cash generators – they’re the keys to a world of freedom, flexibility, and endless growth potential.
If you’re a gentleman with a hunger for financial prosperity, a side hustle can be your golden ticket. It empowers you to call the shots and maintain your existing commitments while paving your way to success.
While women tend to lean towards side hustles for women, it’s high time for men to dive headfirst into the captivating world of side hustles!
How can a guy make extra money?
Making extra money doesn’t have to be monotonous. Whether you’re a tech whizz, an avid creator, or a hands-on worker, there’s something for you.
There are so many ways to make money. I just read this story about a college kid starting with $300 and turning his sticker side hustle into a full time business. 1
These options can yield solid income by leveraging your unique skills and interests. Want to learn more? Keep reading; we have plenty of ideas for you!
Top Side Hustles for Men
As my hubby said, extra income takes the financial strain off the normal job. With side hustles, you can choose how you want to spend your time – watching sports, playing video games, or making money.
The choice is yours!
Right now, learning to make money online for beginners is the most popular place to start.
1. Invest in Real Estate
Around here at Money Bliss, we always stress how to make your money work for you and real estate is no different.
Real estate investment is a golden opportunity that not only offers a steady income but also the potential for property value to soar. Keep in mind, that it’s a long-term game that requires a significant upfront investment.
However, there are many options like flipping properties, renting properties, or even investing through a REIT. Dive into the world of real estate to maximize your returns. Let your money do the heavy lifting for you.
2. Day Trader
Many men opt for trading stocks and options as a side hustle for several compelling reasons.
Trading offers flexibility, as your research can be done at any time, making it convenient to manage along with a nine-to-five job.
It has an immense profit potential, given the volatility and opportunities present in the global stock markets.
Many want to earn a rate of return greater than the average return of the S&P 500 – a common benchmark index for that competitor inside them.
Finally, trading presents an opportunity for continual learning and development, as successful trading requires staying updated with financial news, stock apps, market analysis, and economic trends, thereby enhancing one’s financial literacy.
Trade & Travel
Learn to trade stocks with confidence.
Whether you want to:
Retire in peace without financial anxiety
Pay your bills without taking on a side hustle
Quit your 9-5 and do what you love
Or just make more than your current income….
Making $1,000 every.single.day is NOT a pie-in-the-sky goal.
It’s been done over and over again, and the 30,000 students that Teri has helped to be financially independent and fulfill their financial dreams are my witnesses…
3. Become an Umpire or Referee
Sports fans, here’s your calling! Transform your passion into a profitable part-time gig by becoming a sports referee.
There is a HUGE shortage of umpires and referees.2 Rates per game can range from $20 to $60, and over time, you can earn even more as you referee older leagues. Plus many leagues are paying more to incentivize refs to come back to the fields.
Not only does it assure good pay, but it also lets you enjoy your favorite sport, exercise, and create exhilarating moments. Check it at your local club or league for training and to get started today.
This is something my brother-in-law did all the time and easily made 200 dollars a day.
4. Participate In Medical Studies
If adding to medical knowledge interests you while earning, consider participating in clinical trials.
Compensation depends on various factors like the study’s length and complexity. You can earn $50 to $300 a day!
It’s worth considering if you’re comfortable with potential risks and lengthy commitments. Websites like ClinicalTrials.gov or your local hospital could help you get started. It’s a unique way of contributing to medical research while making money. Do check the risks before diving in!
5. Moving and Heavy Item Delivery
Feel like adding some muscle? Moving and heavy item delivery might be your perfect hustle. If you’ve got a buddy, a solid back, and a truck (or can rent one), this is the gig.
You could easily earn about $20-$25 an hour helping people move houses or delivering large items. Opt for evening or weekend gigs to fit around your day job.
Get started by advertising your services or using apps like TaskRabbit or NextDoor. An excellent way to stay fit and earn some extra dollars at the same time!
6. Rent Out Your Extra Room
Do you have a spare room? Then, transform that neglected space into a cash cow.
Airbnb or VRBO can help you lease it out to travelers. Its user-friendly platform lets you manage rentals with aplomb. Plus, you get the chance to grow into a SuperHost.
Another option is to look at investing in a duplex where you live on one side and rent out the other.
7. Woodworking
This takes a special talent like my father-in-law had. He and his boys were known for crafting Adirondacks chairs, bedroom furniture, and patio tables.
So, if you have this woodworking knack, then this side hustle could be a golden ticket. The key to success is to perfect your craft to a few select items to be efficient with your time, so, you can better the profit. Let your handyman skills shine and earn you some extra cash!
The average earnings of a woodworking side hustle in the U.S. can range from approximately $500 to $3,000 or more per month, depending on factors such as the complexity of projects and marketing efforts.
8. Beekeeping
Honey, take note! If you’re not deterred by bees and are interested in agriculture, try your hand at beekeeping. This might be a family affair – like my daughter’s soccer coach.
Honey sells for around $20 a pound, and bees virtually do all the work! Plus, you contribute to pollination and the environment.
Combined with pest control services (like removing large nests), you can amplify your earnings. However, getting comfortable with bees might take time. But, once you do, the sticky sweet liquid gold that is raw honey could put a sizeable amount of money in your pocket.
9. Detail Cars
If you have a passion for cars and cleanliness, consider detailing cars as your side hustle. There’s something gratifying about transforming a dusty vehicle into a sparkling gem.
Depending on the quality of your service, you can earn up to $500 in a single weekend! Start by experimenting with your own car and build a portfolio to attract customers.
You’ll need tools like a good shop vacuum and detailing brushes. I have seen plenty of men showcasing their work on social media with before-and-after photos. Polish those wheels and drive towards profit!
10. Landscaping Side Hustle
Armed with green fingers? Eager to perform hard physical labor? Then a side gig in landscaping can do wonders for your wallet.
From regular lawn care to fall leaf cleanup to full-on backyard redesigns, there’s something for everyone. Look to websites like Lawn Love to match you with your first clients.
Potential income for this venture depends on how many hours of your time you are willing to trade.
11. Drive for Ridesharing Apps
Like to drive? Awesome, do it for cash! Ridesharing apps like Uber and Lyft got you covered.
Be your boss, and work on your terms.
You need to make sure you have a nice car, proper insurance, and learn the busiest routes to maximize your earnings. Do pay heed to your vehicle’s wear and tear, though. However, this is one of the jobs that pay weekly.
12. Snow Plowing
Living in a snowy region? Consider snow plowing. This is a quick way to make money! I can attest to my kids quickly making $200+ a day from snow shoveling.
Even better is to have business clients that need this service. As such, all you need is a reliable truck or SUV with four-wheel drive and a snowplow. Plus, you can upsell by offering extra services like salting and hand shoveling.
This lucrative side gig can result in you earning thousands each winter. It’s an opportunity to put your vehicle to good use and tackle Mother Nature for a handsome payout.
16. Knife Sharpening
If you have a knack for precision and patience, knife sharpening could be a rewarding side hustle. Businesses like restaurants butcheries, and home cooks are potential clients.
All you need is a quality knife sharpening setup and knowledge of the right techniques. Advertising your services on social media can help bring in customers. Who knew such an unusual skill could be so profitable?!
17. Plasma Donation Centers
While this one is probably more geared to side hustles for college students have you ever considered donating plasma for cash?
You help others, and it earns you up to $500 a month. It’s a generous deed with a minimal time commitment.
Search for “where to sell plasma in [your city]where to sell plasma in [your city]” to get started. Remember, most places have similar requirements to blood donation and may require a short medical screening first.
18. Bookkeeping
Good with numbers? Have an eye for detail? Look into bookkeeping.
Services like generating invoices, managing accounts payable, and preparing tax returns are always in demand. Overhead costs are low as you only need a computer and accounting software. Plus, payment is high at around $50 per hour!
For most bookkeepers, referrals are their bread and butter. To start out check the local Chamber of Commerce to start meeting other business people.
Turn your love for crunching numbers into a lucrative side hustle.
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19. White Label Software
Dip your toes into software reselling by using white-label software. This is great for someone who is good with technology and understands SaaS. However, no coding or IT background is necessary.
All you need to do is buy “seats” of an existing software at a wholesale rate, then resell them at retail.
Use any software name or category on Google and add “White Label” at the end to find options. Build a website, market your product, and start earning by becoming a digital intermediary! Start earning by becoming a digital middleman!
20. Work as a Translator
In the United States, nearly 20% of the population, roughly 67.8 million people, speak a language other than English at home, with Spanish, Chinese, Tagalog, Vietnamese, and Arabic being the most prevalent.3 If you’re fluent in another language, this opens doors to flexible and potentially lucrative side hustle in translation and interpretation.
Earnings in the language translation side hustle can fluctuate based on the client’s requirements and your preferences. For instance, you might find translation opportunities on platforms like Freelancer.com offering rates of up to $60 per hour, while translators on Fiverr can charge as much as $125 per project.
21. Pallet Flipping
Are you inclined towards an entrepreneurial middleman ship? Pallet flipping could be your ticket to substantial income.
This is similar to buying storage units unseen and flipping for a profit. With pallet flipping, the process involves buying and reselling pallets of customer returns, overstocked items, or unsold merchandise, often from major online platforms. Connect businesses that need pallets to ship their products with those looking to get rid of them.
Whether you start small or aim high, scalability and considerable earnings are within reach. Check out this Pallet Flipping book to get started.
22. Help Others Write Resumes
If you have a talent for crafting impressive resumes, there’s a lucrative side hustle waiting for you. Job seekers are constantly looking for professionals who can help them stand out in the competitive job market.
According to our research, professionals skilled in resume writing can start charging for their services on platforms like Fiverr, often earning anywhere from $50 to $150 per resume service including cover letters and LinkedIn profiles.
Mastering the art of creating effective resumes, including understanding industry-specific keywords, is the secret sauce to success in this field. By assisting others with their career aspirations, you can collect a decent income while making a meaningful impact on their job prospects.
This is also a popular digital product to sell on Etsy.
Earn More Writing
You can make money as a freelance writer.
Learn techniques to find those jobs and earn the kind of money you deserve!
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23. Laundromat
Here’s an unconventional yet profitable idea – owning a laundromat! It’s an already profitable model (as it has been around for years) and most processes are automated.
Integrating some digital marketing skills and making tweaks like improving your online presence could earn you significant profit. But be aware, that this does involve an initial investment. Scope out opportunities to buy a laundromat near you.
Also, another trend is starting a laundry business where you take care of others’ laundry needs. Who would have thought laundry could be so rewarding?
24. Start a Consulting Side Hustle
Do you have expertise in a specific area? Consider starting a consulting side hustle.
Consulting is often about solving problems and providing strategies. Whether you’re skilled in marketing, HR, tech, or any other field, your knowledge can be valuable to businesses. Use your existing network to start and gradually grow your client base.
With the right marketing and a robust network, consulting can be highly rewarding. Honestly, this is a popular job after retirement for many. So why wait? Start monetizing your wisdom today!
25. Furniture Flipping
Ever heard of furniture flipping? It’s about buying used furniture at low prices, revamping it, and selling it for a profit.
Furniture flippers can be a goldmine especially if you know what to look for. Unearth the potential in old furniture and flip it into a profit with this artistic hustle.
You can source items from yard sales, flea markets, or online. Sanding and repainting can transform items into showpieces. This gig is perfect if you love hands-on projects that require creativity and patience. Remember, a great photo makes the sale for your final piece!
26. Walk Dogs
Dog lovers, rejoice! Here’s the perfect gig for you – dog walking. If you love playing with our furry friends and love the outdoors, why not get paid for it?
Apps like Rover can connect you with dog owners in your area in need of walking services. Dog walking can fetch (pun intended!) you around $10–$18 per walk. If you’re passionate about spending time with fidos, this side hustle is a pleasure that pays!
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27. Find Odd Jobs in Your Area
Not afraid to roll up your sleeves? Awesome! Odd jobs can be a treasure trove of opportunities.
Think yard work or furniture assembly. Seek out these gigs on platforms like TaskRabbit, Nextdoor, Craigslist, or Fiverr, and a few hours of work can earn you a tidy sum. It’s the perfect hustle for those in search of quick cash injections!
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28. Photographer
Are you skilled at capturing beautiful moments? Turn your passion into a lucrative side hustle by becoming a photographer.
With average rates of earning 500 dollars per day, your earnings could easily surpass those of a full-time job. You can explore areas like wedding photography, senior photos, or commercial product photography.
The best way to gain clients is through referrals or a fundraiser. Grab your professional camera and start capturing memorable moments while boosting your income. Focus your lens and let your creativity shine!
29. Unusual Rentals
Get creative! As this man demonstrated, unconventional rentals like a power washer can earn you thousands of dollars every month. 4
You can rent out spaces like your garage, or backyard to pet owners, or even invest in items like portable hot tubs or bounce houses. Platforms like Airbnb, Sniffspot, Vrbo, and Neighbor can help you get started.
Your unused space or items can transform into extraordinary sources of income. Dive into the world of rentals and unveil massive profits!
30. Cryptocurrency
Crypto investment is a popular side hustle that can yield incredible returns (and significant losses).
However, keep in mind that the cryptocurrency market is volatile, and you should only risk what you can afford to lose.
Crypto is not for the faint-hearted, but with the potential for high returns, it could be your golden opportunity.
31. Teach Music Classes
Do you possess a hidden musical talent? Then, teach music class!
With countless adults and children seeking music lessons, you can make good money sharing your skills. Offer piano lessons, guitar instruction, drumming, or any instrument you excel in. You can use platforms like Skillshare or provide private lessons.
On average, music instructors can charge anywhere from $40 to $100 or more per hour for online lessons depending on how advanced the lessons are. Sharing your passion for music while making money sounds like music to the ears, doesn’t it?
32. Sell on eBay
Have you ever visited a garage sale? Turn those finds into a profitable hustle by selling on eBay. eBay is an excellent platform for selling a wide range of items.
Some personal successes include flipping items like electronics, old iPods and iPhones, sneakers, and furniture. Successful eBay selling boils down to recognizing profitable items and securing a bargain purchase.
Are you ready to flip and fill your wallet with extra cash? You could sell on Facebook Marketplace, too.
33. Reselling on Amazon
Reselling products on Amazon is the trend of the hour. Scout for items cheaper in your area than online, including toys, limited edition shoes, or seasonal delicacies.
Consider trying dropshipping to curate your product lineup without worrying about inventory. Armed with just an Amazon seller account and a keen eye for trends, you can dive into this lucrative venture!
34. Start A Freelance Business
Have niche skills? Time to cash them in by freelancing. This is a booming market.
Bid on projects that resonate with your skill set: graphics, writing, social media management, website design – you name it! Going freelance offers flexibility, and autonomy and can bring in some serious cash.
Be sure to create a compelling portfolio to attract clients and make sure you have solid reviews.
35. Play Games Online
Game on, fellas! Who said you can’t turn your gaming hobby into a money-making machine?
You can pocket money by playing games like Blackout Bingo and Solitaire Cube.
Just remember you can win real money, but you can suffer losses as well. Also, be sure to check if cash tournaments are available in your region.
36. Watch Videos Online
Do you enjoy watching videos? You can earn while indulging in your favorite pastime! Platforms like InboxDollars and MyPoints offer cash rewards for watching videos. Plus, you can claim a $5 sign-up bonus on InboxDollars.
While the earning potential might be relatively low, it’s a seamless background activity. You can make money while relaxing on the couch. So, why not unwind with your favorite video content and get paid for it?
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37. Start a Podcast
Do you have a passion for conversation? Starting a podcast is not just about speaking your mind; it’s a captivating path to potential profit.
With over 177 million podcast listeners in the U.S. alone, your words have a vast audience waiting to tune in.5
Dive into topics like BBQ techniques, current events, or life’s twists and turns, and you might be surprised to know that top podcasters earn money with sponsorships.
38. Delivery Gigs
Do you love driving, but want to limit contact with people? Consider delivery gigs.
Food delivery apps like DoorDash, Uber Eats, and Instacart can pad your wallet. You can make deliveries on your schedule while retaining control over when and where you work.
These gigs typically pay $15 to $20 per hour, plus tips. Some companies even allow bicycle deliveries for a bit of exercise. Deliver your way to financial success with this flexible side hustle.
39. Start a YouTube Channel
Do you have a passion for digital creativity? Consider starting a YouTube channel – the “king of side hustles.”
Use your unique perspective to engage viewers, whether through personal vlogs, tech reviews, or evergreen content. The potential is boundless.
YouTubers earn money from ad revenue and sponsorships. With a staggering number of users on YouTube, why not tap into this vast audience?
Established channels can rake in thousands per video. However, remember that channel success hinges on content quality, relevance, and consistency. Get behind the camera and share your creativity with the world!
40. Freelance Writing
If you have a way with words, freelance writing is an attractive side hustle. Typically, writing is the most sought-after freelance service.
You can choose from various writing niches, including copywriting, blog writing, ebook, social media content creation, or creating detailed reports. Impress clients with samples of your best work.
For many, this was the first step before they went into to the world of blogging.
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42. Take Online Surveys
Have some free time and a reliable internet connection? Consider taking online surveys.
Websites like Swagbucks, Panel Place, or Survey Junkie are on the lookout for your opinions. It’s simple: sign up, share thoughts, and cash out! Look out for the highest-paying survey sites to maximize your profits.
Taking online surveys can typically amount to around $50 to $200 per month, depending on the frequency and length of surveys taken.
While it won’t make you a fortune, it’s an easy way to make a couple extra bucks during downtime. Start voicing your opinions for money today!
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43. Find a Flexible Part-Time Job
Finally, a part-time job can provide a steady cash stream.
Right now, you can find hiring signs everywhere! This is a great way to trade your time and make a little bit over minimum wage.
Apply to those vacant positions now, and sail towards extra cash!
Striking the Balance: Juggling Regular Jobs and Hustles
This is where my husband is always the most concerned because juggling your full-time job along with your side hustle can be tricky. Even more so, if you have a family.
The key is to create a feasible schedule that allows you to manage both without affecting the quality of work.
Keeping a time log can help identify how you can spare time for your hustle. Remember, side hustles should not hinder your regular job.
The goal is to make extra money, but not lose precious time with your family, so you must strike that balance for a smooth side-hustling journey. It’s all about dedication, time management, and commitment.
Now, are you ready to toss that juggling ball up in the air?
Frequently Asked Questions about Side Hustles
Personally, we feel the most profitable side hustles for men is real estate investment, followed closely by trading stocks and options.
These side hustles have a higher amount of money needed to start investing. So, we decided to consider your skills and interests to make a big impact now.
Making an extra $2000 a month is a game of adopting multiple hustles or honing in and being successful with one.
More importantly, it’s all about identifying your strengths, and interests and leveraging opportunities from there. Keep grinding, and you’ll find that fortune favoring your extra efforts!
Earning an extra $1000 a month might seem daunting, but it’s definitely achievable. Combining side hustles like driving for DoorDash, medical research studies, and flipping items can help you hit that target. Remember, the key lies in maximizing your skills, and efficiency, and choosing the right hustles. Embark on your side-hustling journey today and watch as your bank account flourishes!
Which Side Hustle for Guys Do You Like?
Now that we’ve explored these exciting side hustle opportunities, it’s time for you to take action. Which one resonates with you the most?
To truly excel in the world of side hustles, it’s crucial to approach your ventures with the right mindset. Your skills, hobbies, and interests should align with your chosen hustle, ensuring that you’re not just chasing dollars but pursuing something that genuinely excites you.
Remember that side hustles require time, commitment, and sometimes an upfront investment. The higher you’re willing to climb, the better your view (and the payouts) will be!
Don’t wait any longer. Start your side hustle journey today, and unlock the door to financial freedom and personal fulfillment.
Source
CNBC. “21-year-old spent $300 to start his sticker side hustle—now it brings in up to $38,000 a day: I was ‘unprepared’ to go viral.” https://www.cnbc.com/2023/10/30/how-sticker-side-hustle-invalid-jp-went-tiktok-viral-became-lucrative.html. Accessed October 30, 2023.
CBS News, “Youth sports referee shortage grows amid aggression from parents, coaches.” https://www.cbsnews.com/philadelphia/news/youth-sports-referee-shortage-grows-amid-aggression-from-parents-coaches/. Accessed October 30, 2023.
Census.gov. “Nearly 68 Million People Spoke a Language Other Than English at Home in 2019.” https://www.census.gov/library/stories/2022/12/languages-we-speak-in-united-states.html. Accessed October 30, 2023.
Express. “‘Anyone can do it’ Man shares unusual way to make money without leaving home.” https://www.express.co.uk/finance/personalfinance/1623166/money-making-tips-earn-from-home-fat-llama. Accessed October 30, 2023.
Exploding Topics. “Number of Podcast Listeners.” https://explodingtopics.com/blog/podcast-listeners. Accessed October 30, 2023.
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The Sentinel offers nonprofit and other community organizations an opportunity to promote upcoming events for free in the community calendar for three days before the event. Events requiring reservations may be promoted for up to two weeks before the reservation deadline.
Events that require a purchase from a for-profit business, even if a donation is made to the organization, are not eligible for the calendar.
Submit items at least one week in advance via email, [email protected]; call (717) 248-6741; online, Virtual Newsroom at www.lewistownsentinel.com; or mail or drop off, The Sentinel, 352 Sixth St., P.O. Box 588 Lewistown, PA 17044. The editor reserves the right to edit all submissions.
You must include a telephone number for verification purposes. The phone number is not for publication, unless so indicated.
Reserve Now:
•Chicken/ham pot pie sale — noon-6 p.m., Decatur Fire Co. Cookhouse, North 522, Alfarata. Order by calling (717) 543-0921 by Nov. 8.
•Freedom Avenue UMC and Shining Light Through the Darkness soup sale — Friday, Nov. 17. Soups available: chicken corn with and without rivels, ham bean, beef vegetable, stuffed pepper and French onion. Cost is $8 per quart. Pick up between 9 a.m.-6 p.m. on Friday, Nov. 17 at the Freedom Avenue UMC fellowship hall, 511 East Freedom Ave. in Burnham. Preorders recommended. Walk-ins welcome. To preorder, call or text Darlene Gray @ (717) 953-6352 by Sunday, Nov. 12.
•Church bazaar — 9 a.m. to 1 p.m., Nov. 18, Rhodes Memorial United Methodist Church, 500 Highland Ave., Lewistown. Vegetable soup, ham pot pie, coconut cream pie and apple pie. Must order ahead by Nov. 13
at (717) 248-1897.
•Mincemeat sale — 10 a.m.-noon pickup, Nov. 18, East Kish Presbyterian Church, corner of Walnut and Church streets, Reedsville. Cost is $11.50 per quart, $5.75 per pint. Order by Nov. 11 at (717) 667-2806. Leave a message with name, phone number and quantity. Proceeds benefit the church’s mission and Benevolence Fund.
•Annual craft show — Saturday, Nov. 18 from 9 a.m.-2 p.m. at Milroy United Methodist Church. Vendors can contact Paul at (724) 678-6619 for more information. Crafts, food, baked goods, jewelry, home decor and more available. Soup sale: $7 per quart. Chicken noodle, ham and bean and creamy chicken and wild rice available. Preorder by Wednesday, Nov. 15 by calling (724) 678-6619. Pick-up during craft show.
•Meal — pickup 10 a.m.-noon, eat-in 11 a.m.-12:30 p.m., Calvary Lewistown, 111 E. Third St., Lewistown, Nov. 23. Reserve meals by calling (717) 242-1481 no later than 2 p.m. Nov. 21. Shut-ins can receive free delivery in Lewistown, Burnham, Yeagertown, Reedsville and Milroy.
•AARP Safe Driving class — Nov. 29-30 from 9 a.m.-1:30 p.m. at the Mifflin-Juniata Regional Services Corporation (MJRSC) in Yeagertown. Classes will be held in the ground floor conference room. Instructor: Nancy Simmons. Cost is $20 for AARP members, $25 for non-members. Bring membership card and driver’s license to class. For reservations, call (717) 667-2763.
Saturday, Nov. 4
•Holiday bazaar — 9 a.m.-1 p.m., Milroy White Memorial Church, South Main St., Milroy. Benefits mission work.
•Graceful Soles Shoe Bank — 9 a.m.-noon, Grace United Methodist Church, 101 Logan St., Lewistown. Children up to age 18 are given a free pair of shoes with verification of low income through medical assistance. Parent or guardian must accompany child.
•Winter Wonderland Craft and Vendor Show — 10 a.m.-2 p.m., Mifflin County Youth Park. Event sponsors the Mifflin County Penn Roosevelt Camp and Lodge.
•Soup sale — noon, McVeytown Masonic Lodge, 25 N. Market St., McVeytown. Kettle cooked soup of ham and bean and chicken corn. $8/quart. Proceeds benefit local charities.
•General Thomas Mifflin Chapter of the Pennsylvania Daughters of the American Revolution — 3-5 p.m., Mifflin County Courthouse, Monument Square, 1 West Market St., Lewistown on the second floor in the courtroom. Speaker is Jackie R. Esposito. Program will be “Managing your Personal Archives.”
•Drive-thru beef and ham potpie sale — 4 p.m. at the Rescue Hose Company #20, 222 S. Sassafras St. in Beavertown. Sold by the quart. Proceeds benefit the fire company.
•Crafterday — 9 a.m. to 11 a.m., Mifflin County Library, Lewistown branch, 123 N. Wayne St., Lewistown. Susan Miriello will be teaching Tunisian Crochet. All supplies are provided. A $5 non-refundable fee will secure your spot. Information: (717) 242-2391.
Sunday, Nov. 5
•Burnham Lions Club turkey dinner — 10 a.m.-1 p.m. or until sold out. Take-out only. Turkey, filling, mashed potatoes, gravy, corn and green beans. Take-outs $12 per dinner. Burnham Lions Building, First Ave. in Burnham.
Monday, Nov. 6
•Bag sale — 10 a.m.-3 p.m., Sacred Heart Thrift Shop 4 N. Dorcas St., Lewistown. $5 for clothing and shoes.
•Bingo — 10 a.m.-1 p.m., McVeytown Senior Center.
•TOPS (Take off the Pounds Sensibly) PA 13339 meeting — 6:45 p.m., Rhodes Memorial United Methodist Church, 500 Highland Avenue, Lewistown. Weigh-in at 6 p.m. Welcoming new members. For information: (717) 994-0156
•Central Pennsylvania Grasp Chapter — 7-9 p.m. at CPYM Sausman Center, 12339 William Penn Hwy. in Thompsontown. There is no cost to attend. For more information, please contact: Shannon Zeiders at (717) 953-6810 or [email protected].
Reunions
Upcoming reunions, including missing classmate requests, are published as part of the calendar and should be sent to [email protected]. Brief reports of reunions and class reunion photos with the people identified in the order in which they appear are accepted for publication in the Saturday Living section and should be sent to [email protected].
Known as the hidden treasure of the Midwest, North Dakota is full of natural beauty, historic allure and modern conveniences. As more people discover the benefits of residing in the Peace Garden State, pinpointing the best places to live in North Dakota becomes increasingly essential. From cities steeped in history and picturesque towns beside expansive lakes to thriving economic centers, this state presents a ton of pristine living options.
Population: 126,748
Average age: 31.4
Median household income: $60,243
Average commute time: 15.0 minutes
One-bedroom average rent: $976
Two-bedroom average rent: $1,044
Often heralded as one of the best places to live in North Dakota, Fargo strikes an impressive balance between traditional midwestern charm and a forward-thinking atmosphere. With North Dakota State University fueling the city’s innovative spirit, the city simultaneously retains its historic heart, showcased in the well-preserved downtown architecture and the timeless appeal of the Red River Valley Fair.
There’s never a dull moment in Fargo, thanks to its eclectic mix of theaters, art galleries and events that rival much larger cities. The winters, though cold, come alive with community-led ice skating and snowboarding, while the warmer months are replete with lively street fairs and farmers markets. Foodies, too, find solace in Fargo’s evolving culinary scene, where traditional American fares comfortably coexist with international delicacies.
Population: 74,138
Average age: 37.4
Median household income: $75,715
Average commute time: 18.3 minutes
One-bedroom average rent: $995
Two-bedroom average rent: $1,030
As the state’s capital, Bismarck is the hub of political activity and offers residents the opportunity to engage closely with the state’s governance. The iconic Art Deco state capitol building, often referred to as the “Skyscraper on the Prairie,” stands as a testament to the city’s deep-rooted political legacy while overlooking the picturesque Missouri River.
The city’s parks and trails offer endless exploration possibilities throughout the changing seasons. A ton of local eateries serve everything from hearty North Dakotan classics to contemporary dishes, while local theaters and events keep the community spirit alive and buzzing. Hoping to get away for a weekend? The Bismarck Airport gives you access to the rest of the country in mere hours.
Population: 58,781
Average age: 29.4
Median household income: $53,611
Average commute time: 13.1 minutes
One-bedroom average rent: $925
Two-bedroom average rent: $1,125
Celebrated as one of the best places to live in North Dakota, Grand Forks masterfully combines a strong academic focus with a touch of classic Midwestern charm. Home to the University of North Dakota, the city enjoys the youthful energy and innovation associated with a collegiate atmosphere, resulting in a thriving local arts scene, cutting-edge research initiatives and an influx of diverse perspectives.
The Red River, which gracefully meanders through the city, provides a scenic backdrop for a range of recreational activities, from serene riverside picnics to invigorating water sports. Downtown Grand Forks is a delightful blend of historic buildings, contemporary shops and quaint restaurants that offer everything from traditional comfort foods to more avant-garde culinary experiments. Seasonal events, like the Greenway Takeover Festival, have solidified Grand Forks’ reputation as a community that knows how to come together and celebrate.
Population: 47,789
Average age: 32.1
Median household income: $68,543
Average commute time: 18.4 minutes
One-bedroom average rent: $935
Two-bedroom average rent: $1,015
Minot has a captivating mix of military significance, due to its proximity to Minot Air Force Base, and the warmth of small-town living. Dubbed “Magic City” because of its meteoric growth during the railroad era, Minot remains a beacon of rapid development and dynamism, giving residents an environment of opportunities and progress.
Scandinavian Heritage Park stands as a unique testament to the city’s rich ancestral ties, displaying enchanting replicas and monuments from Nordic countries, a nod to the region’s strong Scandinavian influence. Meanwhile, the annual North Dakota State Fair in Minot is an event like no other, drawing crowds from all across the region.
Population: 27,332
Average age: 30.9
Median household income: $75,061
Average commute time: 14.6 minutes
One-bedroom average rent: $825
Two-bedroom average rent: $995
Williston serves as a crucial nexus of the state’s thriving energy industry due to its position within the Bakken oil fields, making it attractive for young people looking for employment opportunities and relatively low home prices. This energy hub is not just about industry; it presents an intriguing blend of historical significance and a pulse of modern growth. The city has experienced waves of expansion and opportunity, all while maintaining a communal atmosphere that welcomes longtime residents and newcomers alike.
The city’s location near the confluence of the Yellowstone and Missouri Rivers provides a scenic landscape for various outdoor activities, from fishing trips to tranquil riverside contemplations. Moreover, local events, like the Band Day Festival, showcase the city’s commitment to community engagement and celebration.
Population: 25,167
Average age: 32.6
Median household income: $70,391
Average commute time: 15.2 minutes
One-bedroom average rent: $900
Two-bedroom average rent: $1,000
Consistently acknowledged as one of the best places to live in North Dakota, Dickinson is a gem situated at the gateway to the ruggedly beautiful Theodore Roosevelt National Park. The city seamlessly intertwines its rich past as a historic railway stop with its present-day significance in the energy industry, primarily due to its location within the Bakken oil formation. This combination ensures a dynamic local economy while preserving the charm of its heritage.
Outdoor enthusiasts consider Dickinson a true haven, given its proximity to the Badlands, which offers a striking landscape for hiking, horseback riding and wildlife spotting. Within the city limits, the Dickinson Museum Center showcases impressive prehistoric finds, a nod to the region’s fascinating geologic history.
Population: 24,447
Average age: 35.6
Median household income: $74,341
Average commute time: 17.7 minutes
One-bedroom average rent: $925
Two-bedroom average rent: $1,100
Mandan possesses a distinctive allure rooted in its rich history and scenic landscapes. As the seat of Morton County, this town has deep historical ties, especially with the indigenous tribes of the area, and remnants of this legacy can be found in places like Fort Abraham Lincoln State Park, once the home of the 7th Cavalry.
The city’s picturesque setting along the banks of the Missouri River presents countless opportunities to enjoy the great outdoors, from boating to fishing, ensuring residents are never short of nature-infused activities. Downtown Mandan offers a delightful selection of shops, restaurants and events, bringing the community together in celebration and camaraderie.
Population: 15,750
Average age: 37.9
Median household income: $49,038
Average commute time: 12.2 minutes
One-bedroom average rent: $790
Two-bedroom average rent: $780
Affectionately known as “Buffalo City,” Jamestown earned its moniker thanks to the presence of the National Buffalo Museum. This connection is made even more tangible by the presence of a live herd, including the famous rare white bison, residing on the edge of the city.
But the bison isn’t Jamestown’s only claim to fame. The city is adorned with the Jamestown Reservoir and its series of lakes, giving residents and visitors ample space for boating, fishing and kicking back under the North Dakota sun. Meanwhile, the historical 1883 Stutsman County Courthouse provides a glimpse into the area’s past, reflecting the city’s enduring commitment to preservation.
Population: 6,559
Average age: 39.7
Median household income: $54,629
Average commute time: 15.4 minutes
One-bedroom average rent: $470
Two-bedroom average rent: $590
Recognized as one of the best places to live in North Dakota, Valley City carries the charming title of “City of Bridges” with pride. This nickname comes from the many historic bridges that span the Sheyenne River, each with its unique design and story, creating picturesque vistas throughout the town. These bridges not only serve as functional connectors but also as a symbol of the city’s commitment to preserving its architectural legacy while fostering connections among its residents.
Surrounded by the scenic beauty of the Sheyenne River Valley, the city provides a tranquil environment complemented by resources for fishing, hiking and more. Valley City State University adds to the town’s dynamic energy, infusing it with academic prowess and events.
Population: 7,182
Average age: 40.7
Median household income: $40,037
Average commute time: 14.3 minutes
One-bedroom average rent: $565
Two-bedroom average rent: $645
Devils Lake holds a magnetic appeal with its beautiful lake and the plentiful outdoor adventures it offers. The town is enveloped by the stunning beauty of the Devils Lake Basin, which not only provides a haven for anglers, boaters and nature enthusiasts but also reflects the town’s resilient spirit in adapting to the lake’s fluctuating water levels.
The community in Devils Lake is closely knit, with residents taking pride in their hometown, enthusiastically supporting local businesses and coming together for numerous annual events. The town’s historic downtown area, coupled with its many shops and restaurants, provides a serene setting for leisure and socializing. Education is given prominence, with the local college serving as a hub for learning and community events.
Your new North Dakota apartment awaits
North Dakota stands out as a state that seamlessly merges gorgeous vistas with dynamic communities. For those seeking a mix of nature, history and modern attractions, North Dakota is a top contender.
The best places to live in North Dakota beautifully capture the state’s unique appeal, making every resident feel right at home. Whether you’re captivated by the historic bridges of Valley City or the fishing paradise of Devils Lake, there’s no question that there’s an apartment in North Dakota that’s perfect for you.
You’re going to have to do more than just pay rent to get new digs. Get ready to fork over a security deposit before move-in day comes.
When it comes to renting, there are costs that everyone is familiar with. These include application and move-in charges, first and last month’s rent, utilities, parking, storage and so on. In particular, the security deposit is one large expenditure that’s standard for anyone who signs a lease for a rental property.
The term “security deposit” is pretty vague, though, so a lot of renters aren’t sure what it’s for. For many people, it seems like a way for the property management company to squeeze even more money out of a renter! In this article, we’ll answer all your questions related to this crucial, one-time payment. That way, you’ll be as informed as possible when it comes time to sign the lease and pay all the associated rental fees.
What is a security deposit?
A security deposit is a set amount of money that a tenant pays to a landlord before moving into a rental property. Essentially, it’s like insurance for the managers/owners to protect their property from damage. The amount of money varies by state or property. So, the payment could be one month’s rent, two months’ rent (also known as twice the amount) or another flat fee set by the property manager.
The funds are held by the manager for the duration of the lease. In fact, state laws dictate that the money must sit in a bank account. At the end of the lease, the landlord returns that money to the tenant, in part or in full, following a move-out inspection of the rental. Or, the property manager can keep it to cover damage other than normal wear and tear. If the damage costs less to fix than the security deposit, the landlord will return the remaining amount to the tenant. So, you might not lose all of the last month’s rent, but you could lose some of it.
When do I pay my security deposit?
The entire security deposit is usually paid when you sign the lease. Often, they’ll also be paying for the first months’ rent, last month’s rent and any other related costs. Tenants pay security deposits by check, money order or electronic payment.
How much is a security deposit?
In general, the amount of the security deposit will be the equivalent of one month’s rent, or maybe two. For example, if your monthly rent is $500 and your landlord requires first and last months’ rent for the deposit, you’ll need to have $1,000 on-hand for the security deposit.
Credit score can also impact how much you need to put down. Low credit scores can turn into a higher security deposit unless you have a co-signer.
Other factors, like the rental application, determine how much to charge for an apartment security deposit. A potential tenant with solid employment history and no criminal record is likely charged less. Also, the rental type and quality, state laws and local market rates all play a part. Often, states limit the security deposit amount, so that renters aren’t totally price gouged.
Why do landlords collect security deposits?
While not all property managers collect security deposits, it’s a pretty standard part of the rental agreement. Property ownership is a difficult business with significant risk, so this helps landlords cover their bottom line.
Property owners collect security deposits as a financial safeguard to protect their properties from damage or other irresponsible actions by residents. Here are some examples of what a security deposit would cover.
Property protection
Accidents happen throughout a lease. If a tenant breaks a light fixture or cracks the drywall, the cost to fix those would come out of the security deposit as they were the tenant’s fault. Knowing that they’ll be out of a hefty chunk of change if they aren’t careful incentivizes people to avoid damaging the unit. Renters who want to get their entire security deposit back should treat the apartment with care and respect.
Financial protection
Security deposits also cover any bills or rent that are delinquent at the end of the lease agreement. So, if you were behind on rent for one month and still haven’t paid that back to your landlord by end of the lease, or you have unpaid utilities on your account, they could take the amount out of the deposit.
Pet protection
If you’ll be sharing your new home with a furry best friend, chances are you’ll have to pay a pet deposit, in addition to the security deposit. This would cover any damages your pet makes to the rental, like tearing up or soiling the carpet. Some landlords will also charge a small amount in “pet rent” on top of the deposit.
What does a landlord do with a security deposit?
The security deposit is “just in case” coverage. For the duration of the lease, the funds will be kept by the landlord in a bank account that generally is separate from their business bank account.
Because of this, the security deposit may collect interest. Some state laws say that the tenant gets those earnings when the landlord returns the deposit money, but in others, the landlord retains the interest earnings. This is something to think about and confirm with your landlord before you lease the apartment.
Can my landlord make deductions from my security deposit?
Remember, a security deposit is a measure to protect the property manager, not the tenant. There are certain circumstances under which your landlord can deduct from it. Here are the most common reasons a renter won’t get the security deposit back.
There’s significant damage
Wear and tear are normal and expected, which is why it’s the landlord’s job to fix or repair things like old appliances, worn-out carpeting and mold damage. However, if you gouge a hole in the drywall or generally damage the unit in an abnormal way, it’s your responsibility to pay for repairs, and the cost of such repairs will come out of your deposit. So, if you want to get your security deposit back, treat the rental unit gently.
In most states, though, there are provisions in place to protect the tenants from having unreasonable or unnecessary dollars taken from their deposit by the landlord. For example, in California, landlords can’t withhold security deposits to pay for things like painting or carpets unless they were totally wrecked by the renter.
The landlord is also prohibited from using a deposit to fund repairs for preexisting problems in an apartment. Don’t be afraid to ask for an itemized list of repairs if you suspect something dishonest is going on.
You owe unpaid rent or fees
If you have any late fees or unpaid apartment rent at the end of your term, your landlord can take that out of your security deposit. To avoid this, pay rent on time every month, and keep an eye on related bills, as well! Avoid overpaying, though. If you put down last months’ rent at the beginning, don’t forget and double down!
You broke the lease
Sometimes, a landlord can also deduct from your security deposit if you break the contract without providing adequate notice. So, avoid this unless it’s absolutely necessary. If you can’t get around it, give your landlord as much notice as possible. Everyone appreciates a thoughtful renter.
You left the unit in a mess
Not cleaning the unit before vacating is grounds for landlords to deduct from the security deposit. That’s why it’s always a good idea to make sure the apartment is tidy before moving out.
However, renters are only required to leave the unit as clean as it was when they first moved in, so that’s what you should aim for: that it’s clean enough to move in for the next tenants. Empty the refrigerator, wipe up any big spills and otherwise “broom clean” the place. Most landlords don’t expect it to pass the white glove test but want it tidy and relatively easy for professional cleaners to handle. Don’t lose a months’ rent because you were too lazy to straighten up!
How long will it take to get my security deposit back?
This can vary by the property manager and state, but most require the landlord to return your security deposit within 30 days of the tenant vacating the premises. Your landlord will include the timeframe in your lease, so make note of that when agreeing to the lease. Also, pay attention to how your landlord will return the payment so you know what to expect when you leave your apartment.
If you’re not getting some or all of your money paid back, the property manager has to provide a written explanation detailing why, including an itemized list of deductions. In many states, they even have to provide receipts detailing repairs.
What if I don’t get my deposit back?
If you don’t get all or part of your money paid back, the simple answer is that it’s probably because your landlord had to make deductions to cover costs. If you disagree with the reasons they deducted from the deposit, there are some options for recourse.
First, before you turn over the apartment keys, take pictures of every room and closet. That way, if the manager tries to pull a fast one you’ll have photographic evidence.
Next, if you disagree with the deductions, write a demand letter to the landlord disputing them, and explain why you’re entitled to the deposit refund. Be sure to retain a copy for your files.
If you’re unable to come to a satisfactory agreement, you can file a lawsuit in small claims court, which handles cases valued at less than $10,000. This is a relatively inexpensive and relaxed court option. Or, you can turn to a professional mediator to help everyone see eye to eye.
Are there alternatives to security deposits?
Thanks to rent, application fees, security deposits and move-in charges and so on, renting is an expensive process. Luckily, there are some emerging security deposit options that cost less and are more efficient and painless for everyone involved.
Lease insurance
Increasingly, landlords are pursuing lease insurance options like LeaseLock to eliminate security deposits altogether. Similar to other types of insurance, the tenant or landlord pays a small fee (starting at $19 for LeaseLock) per month for coverage against thousands of dollars in property damage.
Pay-per-damage
Instead of dishing out a huge amount to the landlord upfront as a security deposit, some landlords choose to bill for damages on a case-by-case basis. They can only charge for damages up to the amount of a traditional security deposit, though, and a third-party company oversees the claim and process to ensure the landlord isn’t over-billing the tenant.
Surety bonds
Facilitated through a third-party bonding company, surety bonds allow renters to only pay a small fraction of the security deposit to the landlord. Because the bonding company guarantees that the tenant will pay and abide by the terms of the bond, landlords are able to accept a much smaller amount as there’s legal protection in place.
Do security deposit laws vary by state?
The short answer is yes, security deposit laws can vary widely by state. Some states do not have statutory limits, which means they don’t specify how much a landlord can charge for a security deposit. In that case, the amount is at the discretion of the landlord.
In other states, though, there’s a cap limit to what the landlord can charge for a security deposit. Many states also have strict laws regarding when to return the security deposit to the tenant after vacating the premises. Here, you can find a full run-down of security deposit laws state-by-state.
Don’t feel insecure about security deposits
Having to save and temporarily sign away a month’s rent (or more!) for a security deposit can feel scary. But it’s completely normal and is in the best interest of both parties. If you maintain the terms of your contract and don’t leave anything grossly damaged, you should get your deposit back. So, as long as you keep the parties and destructive animals to a minimum, you’re covered.
The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.
The Second City will take first place in your heart.
Chicago, often referred to as the “Windy City,” stands as the most populous city in Illinois, the third-largest by population in the U.S. and one of the most significant in terms of culture, amenities and overall influence. It’s home to comedy clubs where famous entertainers like Tina Fey and Steve Carell got their start. Because it’s the birthplace of some of the nation’s most diverse and storied architecture, moving to Chicago will give you iconic images such as the Willis Tower (formerly known as the Sears Tower), Tribune Tower and the Cloud Gate sculpture within reach of your apartment.
Plus, the vibrant sports scene in Chicago offers you both the Chicago Cubs to the Chicago White Sox, leading to some interesting debates among fellow Major League Baseball enthusiasts. In basketball, the Chicago Bulls often dominate United Center, and hockey fans can cheer for the Chicago Blackhawks.
Yet, Chicago offers much more than just its well-known landmarks, attractions, sports and deep-dish pizza. The city is divided into several neighborhoods, each with its unique character and claims to fame.
To provide you with a glimpse of the city overall, here are some essential data points:
Population: Approximately 2,700,000
Population density (people per square mile): Around 11,800
Median income: $63,153
Average studio rent: $1,800
Average one-bedroom rent: $2,200
Average two-bedroom rent: $2,800
Cost of living index: 115
These statistics should give you a better understanding of Chicago’s demographic and economic landscape as you consider your move. But they’re only the beginning to truly understand what it feels like to live in Second City. Let’s keep going.
Chicago neighborhoods to explore
Chicago has often been called a “city of neighborhoods” for its diverse communities. The city’s extensive transit system seamlessly connects these unique pockets of culture and community, making it easy for residents and visitors alike to explore the richness of Chicago’s neighborhoods. Here are just a few of our favorite ‘hoods to kickstart your exploration:
Pilsen
Nestled in the heart of the city’s Lower West Side, Pilsen is a neighborhood that wears its Mexican heritage proudly. The streets are adorned with colorful murals and vibrant storefronts, creating an atmosphere that transports you to another world. This neighborhood is known for its welcoming community and delicious Mexican cuisine.
Top Pilsen apartments:
Wicker Park
Located to the northwest of downtown Chicago, West Town’s historic Wicker Park is a bustling enclave of creativity and artistic expression. Its streets are lined with trendy boutiques, hip cafes and art galleries. Wicker Park is the perfect place to immerse yourself in the city’s alternative culture and enjoy a thriving music scene.
Top Wicker Park apartments:
Lincoln Park
With its leafy streets and historic brownstones, Lincoln Park offers a taste of classic Chicago charm. Named for Chicago’s most heavily used park, this North Side neighborhood is home to the city’s eponymous park, a sprawling green oasis along Lake Michigan’s shoreline. Here, you can explore the Lincoln Park Zoo, soak in scenic lake views, and visit the Peggy Notebaert Nature Museum.
Top Lincoln Park apartments:
Hyde Park
Situated on Chicago’s South Side, Hyde Park is a neighborhood steeped in history and academia. It’s home to the University of Chicago, which has a stunning campus reminiscent of a European village. Hyde Park’s cultural offerings include the Museum of Science and Industry, as well as beautiful lakeside parks like Promontory Point.
Top Hyde Park apartments:
Logan Square
If you’re seeking a neighborhood that exudes creativity and a vibrant arts scene, look no further than Logan Square. Located on the city’s Northwest Side, it’s known for its artistic community, craft breweries and an array of eclectic restaurants. The historic boulevards and the iconic Logan Square Monument add to the neighborhood’s unique character.
Top Logan Square apartments and rental houses:
Pros and cons of Chicago living
This bustling metropolis nestled along the shores of Lake Michigan offers a unique blend of advantages and drawbacks for those considering calling it home.
Pros:
See why life is good for those living in America’s third-largest city.
Cultural diversity and the food scene
Chicago is a melting pot of cultures and traditions. It’s a city that celebrates its immigrant history, resulting in a vibrant tapestry of languages, cuisines and lifestyles. From the lively neighborhoods of Pilsen and Chinatown to the historic communities of Ukrainian Village and Little Italy, Chicago offers endless opportunities to immerse yourself in different cultures.
Public transportation much better than national average
Chicagoans enjoy a robust public transit system, making it easy to navigate the city without the need for a car. The Chicago Transit Authority (CTA) operates an extensive network of buses and “L” trains that connect various neighborhoods. This accessible and affordable transportation system helps reduce the hassle of daily commuting.
Cultural attractions
Chicago boasts world-class cultural institutions. The Art Institute of Chicago houses an extensive art collection, while the Museum of Science and Industry offers interactive exhibits. The city also features renowned theaters like the Chicago Symphony Orchestra and the Steppenwolf Theatre Company, ensuring there’s always something to do for culture enthusiasts.
Lakefront beauty
Chicago’s stunning lakefront, with its picturesque parks and beaches, provides a serene escape from the urban hustle and bustle. Whether you’re strolling along the Lakefront Trail, lounging at North Avenue Beach or enjoying the greenery of Grant Park, you can always find a tranquil spot to unwind.
Cons:
No place is perfect. Make sure these potential cons aren’t dealbreakers for you if you’re planning on moving to Chicago.
Cost of living
Chicago has a relatively high cost of living. Rent, groceries and other daily expenses can add up quickly. While it may not be as expensive as some other major cities like New York — in fact, it’s about 45% lower — newcomers should be prepared for the financial challenges of funding life in a major metropolitan area.
Just how high is Chicago’s cost of living? Though not Willis Tower high, expect to pay nearly 20% extra than the national median. According to Redfin, “the cost of living is 19% higher than the national average. Housing costs in particular are 50% more than the national average… Additionally, everyday expenses such as groceries, transportation and healthcare are generally pricier in the city.”
Crowded areas
Chicago is a densely populated city, especially in neighborhoods like the Loop and River North. During peak hours, crowded streets and packed public transportation can be a common occurrence. Opting for less densely populated neighborhoods like Hyde Park or Lincoln Square can offer a bit more breathing room.
Urban realities
Living in a big city like Chicago comes with the typical challenges of noise, congestion and a fast-paced lifestyle. For those accustomed to smaller towns or quieter environments, the bustling streets and constant activity of the city may require an adjustment period. And as anyone who migrates to this city might tell you, traffic here carries its own set of challenges.
The Windy City offers a diverse and dynamic urban experience with its own set of advantages and challenges. It’s a city where culture thrives, public transportation excels and beautiful lakefront escapes await, but it also demands adaptation to a higher cost of living and the realities of big-city life. Visiting Chicago and exploring its neighborhoods can help you determine if this dynamic city is the right place for you to call home.
Cold winters and other unpredictable weather
Living in Chicago can be a rewarding experience, but its cold, harsh winters and unpredictable weather can be a notable drawback. Winters in the Windy City are characterized by bone-chilling temperatures, heavy snowfall and biting winds that can make daily life challenging, and frosty breezes from both the Chicago River and Lake Michigan only compound the issue.
These unpredictable weather patterns can make planning outdoor activities or even just daily routines a bit of a gamble, with sudden temperature fluctuations and unexpected storms keeping residents on their toes. While Chicago offers many attractions and a vibrant culture, its winters and weather can be a formidable con for those who prefer milder climates.
Ready to feel the Midwestern warmth of the Windy City?
Are you contemplating a move to the vibrant and iconic city of Chicago? If so, you’re embarking on a journey that promises an array of opportunities and experiences that are truly second to none.
Chicago, renowned for its stunning skyline, diverse neighborhoods and rich cultural and architectural heritage, is an exceptional place to call home. Are you ready to pack your bags? Take a look at our Chicago apartments for rent.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.
The White House released its first-ever standards aimed at reducing a bevy of safety and security concerns raised by artificial intelligence.
The order is sweeping and addresses potential risks AI technology poses to consumers, workers, national security, privacy, innovation and immigration.
“One thing is clear: To realize the promise of AI and avoid the risk we need to govern this technology,” said President Joe Biden during a press conference on Oct. 30. “There’s no other way around it, it must be governed.”
The executive order includes an emphasis on the development of new standards, tools and tests across the board. There are eight parts to the order:
Safety and security. Create new safety and security standards for AI, with an emphasis on national security.
Consumer privacy. Protect consumer privacy in AI systems.
Advancing equity. Avoiding algorithmic discrimination in the workplace; by federal contractors; and landlords. It also calls for best practices for using AI in the judicial system.
Health care and education. Advance the use of AI in the development of affordable and life-saving drugs. Provide educators with the resources to deploy AI-enabled educational tools.
Mitigate risks to workers. Collect information on how AI could impact the labor market while developing principles and best practices to maximize the benefits of AI while addressing potential risks like job displacement.
Promote innovation and competition. Expand grants for AI research in key areas like health care and climate change. Expand the ability of highly-skilled immigrant workers with expertise in critical areas to remain in the U.S.
Collaborate with other nations. Establish international frameworks for the use of AI worldwide.
Ensure effective government use of AI. Develop guidance for agencies’ use of AI systems; helping agencies acquire AI products and services; and accelerate the hiring of AI professionals in the federal government.
Biden said during the press conference that the order is the “most significant action any government anywhere in the world has ever taken on AI safety, security and trust.” At the conclusion of the press conference, Biden also called on Congress to pass legislation on AI.
What’s in the Blueprint for an AI Bill of Rights?
On Oct. 5 the White House released its “Blueprint for an AI Bill of Rights” outlining five principles to guide the creation and distribution of automated systems. Recommendations under each of the principles include continuous risk identification and mitigation, as well as testing and evaluation during all phases of the creation of AI systems.
Safe and effective systems. Automated systems should be designed to proactively protect users from harm.
Algorithmic discrimination protection. Automated systems should be used and designed in a way that avoids discriminatory treatment of people based on protected classifications such as race, sex, religion and disability.
Data privacy. Automated systems must include built-in protections to protect users from abusive data practices and users should have agency over how their personal data is used.
Notice and explanation. People should be notified when an automated system is being used and should be provided with plain language explanations of outcomes from that system.
Human alternatives, consideration and fallback. People should be able to opt out of an automated system and have access to a human alternative, when it’s appropriate — based on “reasonable expectations in a given context.”
More AI news
Aug. 9: The White House announced a two-year competition called the “AI Cyber Challenge” that challenges competitors to identify and fix software vulnerabilities using AI. It includes collaboration with AI companies like Anthorpic, Google, Microsoft and AI. The competition includes $20 million in prizes and is intended to drive the development of new improved computer code security technology.
May 4: The White House announced it secured voluntary commitments from 15 of the top leaders in AI to have their systems publicly evaluated to find out how they align to the AI Bill of Rights. The companies include Amazon, Anthropic, Google, Inflection, Meta, Microsoft and OpenAI.
April 25: A joint statement made by the Federal Trade Commission, Department of Justice, Consumer Financial Protection Bureau and the Equal Employment Opportunity Commission reaffirmed its commitment to enforcing existing discrimination and bias laws among those who use AI to conduct business including social media platforms, banks, landlords, employers and other businesses.
Additional coverage of artificial intelligence from NerdWallet:
Small business
Personal finance
(Photo by Chip Somodevilla/Getty News via Getty Images)
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We know it’s the week before Halloween, but it’s not too late to grab the perfect Halloween decor! Whether you’re looking for the perfect finishing touches to complete your Halloween home or you haven’t even begun to decorate, Amazon has you covered with all kinds of Halloween decor.
The online retailer has more than just indoor decorations and spooky decor for your yard. If you’re in need of Halloween costumes, party supplies, Halloween candy, costume makeup, pumpkin carving supplies, and more, Amazon has what you’re looking for!
Where to Buy Halloween Decor: Amazon Prime Members Have Access to Fast, Free Shipping
Get Halloween decor to your front door fast with Amazon Prime. If you’re an Amazon Prime Member, you’ll get your Halloween decorations fast and easy with two-day shipping! Signing up to become a Prime Member is easy for those who don’t already subscribe.
18 Halloween Decorations to Turn Your Home From Bare to Scare
Halloween Kitchen Decor
Buy from Amazon, $40
Let your friends and family know what you’re serving up this Halloween with this spooky coffin-shaped letter board! It’s the perfect kitchen or dining room accessory for listing menu items, but it can really be used anywhere in the house. It’s available in black, orange, or purple and comes complete with 500 white and black characters so you can create a custom sign for your home.
Buy Now
Halloween Bathroom Decor
Buy from Amazon, $18
Keep your bathroom smelling fresh this fall with this pumpkin spice soy wax candle. It’s infused with fall scents like pumpkin, cinnamon, clove, and vanilla and small enough (9 oz.) to place on the back of a toilet or vanity in your home’s powder room to mask any unwanted odors this Halloween!
Buy Now
Halloween Home Decor
Buy from Amazon, $30
These adorable mini knit pumpkins are ideal for your mantle or can create a beautiful centerpiece for your coffee table or dining room buffet this fall. They’re hand-made by a small business in Wisconsin, stand 2.5″ x 2″ tall, and come in a set of 12 fall colors sure to fit with a variety of home decorating styles.
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Halloween Door Decor
Buy from Amazon, $26
Welcome guests this Halloween with this ghoulish front door sign. The “Welcome” illuminates to greet your guests and trick-or-treaters alike! This wreath comes in three options: the ghost pictured here, a moon wreath with a black cat, and an alien sign that reads “You were warned.”
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Halloween Table Decor
Buy from Amazon, $31
Dress up your table this Halloween with these adorable light up ghost figurines. Each little ghost has a different expression and body type that gets illuminated by LED lights in a beautiful warm white glow. From mantles to dining room tables, decorative shelving, and more, there’s no wrong way to decorate with these ghosts!
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Halloween Porch Decor
Buy from Amazon, $10
Illuminate your yard with these creepy glowing ghosts this Halloween. Each kit comes with three ghosts adorned with witch hats that light up. When night falls, they will seem to float in the air, creating a mysterious atmosphere on your property for your guests or passerby.
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Pastel Halloween Decor
Buy from Amazon, $27
This set of decorative pumpkins feature traditional pumpkin shapes and are painted in harvest white and pastel pink, then lightly brushed with gold and topped with whitewashed stems. They’re also available without the gold brushing detail as well as more traditional Halloween color options. Use them in a decorative bowl to create a centerpiece, on your mantle, or in a powder room to create a festive fall ambiance.
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HALLOWEEN WALL DECOR
Buy from Amazon, $9
This kit comes of 120 bat stickers is made of waterproof PVC, making them the perfect indoor or outdoor decor! The bats come in four ranging sizes with wings that can be folded any way you like. Use them on interior or exterior walls to create a spooky vibe anywhere around your home.
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Halloween Mantle Decor
Buy from Amazon, $7
100% anti-crease polyester fabric ensures a lightweight, durable, and fade-resistant black lace spiderweb perfect for your Halloween mantle, dining room table, or buffet set-up. It’s 18×96 inches and can be used in plenty of other ways, too, including over a doorway or window or as a backdrop for your Halloween photo shoot.
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Black Cat Halloween Decor
Buy from Amazon, $20
Illuminate your yard this Halloween with this set of decorative black cats. Their eyes glow with purple LED light to create a mysterious and dark atmosphere on your property. They can be turned on automatically or set with a timer to glow for six hours at a time.
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Halloween Window Decor
Buy from Amazon, $10
Illuminate your window this Halloween with a spell book, cat, and cauldron light set! Set it and forget it this Halloween with these timed LED light shapes, which also come in a set that has a pumpkin, spider, and witch hat.
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Indoor Halloween Decor
Buy from Amazon, $24
Use these flickering flameless hanging candles throughout your home this Halloween to achieve a spooky atmosphere! Each tapered candle is equipped with barely-there fishing line that makes them easy to hang from ceilings, mirrors, and more. The best part is that they’re controlled with a magic wand that only requires one AAA battery.
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Halloween Witch Decor
Buy from Amazon, $30
Install this quintessential crashing illuminated witch to any tree in your yard for a hilarious addition to your Halloween decor. Long straps on each hand and ankle make it easy to install, remove, and reuse year after year. The steel wire in the broom makes it adjustable and customizable, too! Available in warm white or orange lights, this crashing witch is a must-have.
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Cute Halloween Decor
Buy from Amazon, $24
Dress up your couch, power recliner, or porch swing this Halloween with these adorable ghost throw pillows! They’re made from an ultra-soft polyester velvet material that’s durable but soft to the touch. Each set comes with three pillows that range in size (12″x16″, 13.5″x16″, 17″x16″).
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Gothic Halloween Decor
Buy from Amazon, $15
If you’re a lover of gothic Halloween decor, these artificial eucalyptus stems are ideal for your home. Each pack comes with 24 pieces of black faux eucalyptus stems (13.4 inches in length) ideal for centerpieces, entryways, and more.
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Living Room Halloween Decor
Buy from Amazon, $12
Have throw pillows you want to dress up for the Halloween holiday? This set of four throw pillow covers is perfect! With quotes like “It’s Just a Bunch of Hocus Pocus” and “Sanderson Sister’s Black Flame Candle Company,” they’re perfect for any fan of Hocus Pocus! Available in white and black, white, black and orange, or colorful options, these throw pillow cases will fit into any Halloween home decor.
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Chic Halloween Decor
Buy from Amazon, $25
This rustic book tower features burlap ribbon wrap and is accented with the words “spells”, “curses”, and “brews” in a typewriter style print that’ll make the perfect addition to your bookshelf, coffee table, or window display this Halloween. Plus, these open like a box and are hollow inside, so they can double as secret storage!
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DIY Halloween Decor
Buy from Amazon, $10
Create your own custom Halloween decorations with this DIY wood set complete with spiders, bats, pumpkins, witch hats and eight other varying styles. These decorations can be stained or painted any way you like, then hung with the cotton rope each kit comes with to easily transform your home for the Halloween holiday.
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Get festive with these Halloween decorations! Shop these and more from Amazon.
Want more Halloween ideas? Keep reading!
Halloween Cakes: 14 Spooky Good Recipes
These Old Halloween Photos Will Get You in the Spirit
Halloween Dinner Ideas: 22 Frightfully Fun Recipes
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