Thinking about living in Greensboro? This cool North Carolina city is a solid spot to settle down. From community activities to economic opportunities, Greensboro has a lot to offer. That said,, as with any place, there are aspects that might not suit everyone. Let’s explore 13 of the most prominent pros and cons of living in Greensboro so you can make the best decision for you.
Greensboro at a glance
Walk Score: 29 | Bike Score: 32 Median Sale Price: $280,500 | Average Rent for 1-Bedroom Apartment: $1,112 Greensboro neighborhoods | Houses for rent in Greensboro | Apartments for rent in Greensboro | Homes for sale in Greensboro
1. Pro: Affordable cost of living
Greensboro’s cost of living is lower than the national average, making it more affordable than other cities. Houses tend to sell for below the national median of $432,849 and apartments in Greensboro follow a similar trend, going for $1,122 on average.
2. Con: Minimal public transportation options
Although Greensboro does have a bus system, the public transportation infrastructure is not as extensive as in larger North Carolina cities. Locals without a car may find it challenging to navigate the city or reach surrounding areas efficiently. The transit system covers main areas, but it can be lacking for daily commuters or spontaneous trips.
3. Pro: Thriving arts and scene
Living in Greensboro means easy access to arts, theater, and music. The city is home to several museums, like the Weatherspoon Art Museum, and live music venues like Hangar 1819. The historic Carolina Theatre hosts world-class performances, creating ample opportunities for residents to enjoy the local culture.
4. Con: Hot summers
While Greensboro may not be one of the hottest cities in the U.S., July and August often see consistent temperatures in the 90s. This makes outdoor activities less enjoyable during peak heat. The humidity can add to the discomfort, especially for those used to cooler climates.
5. Pro: Abundance of parks and outdoor activities
Greensboro is full of outdoor spaces and parks. The city boasts over 90 miles of trails and several large parks, including the popular Greensboro Arboretum and the Bog Garden. For those who love hiking, biking, or simply enjoying time outdoors, Greensboro is a fantastic place to be.
6. Con: Traffic on major highways
While Greensboro isn’t known for severe traffic like larger cities, congestion can build up on major highways, particularly during rush hour. I-40 and I-85, which run through the city, are prone to bottlenecks during peak commuting times. This can extend travel time, especially for those working outside the city.
7. Pro: Strong job market in healthcare and education
Greensboro’s economy is growing, with a particular emphasis on healthcare and education. The presence of major employers like Cone Health and the University of North Carolina at Greensboro provides job opportunities and bolsters the city’s reputation as one of the best college towns in North Carolina.
8. Con: Limited nightlife
Greensboro has a laid-back nightlife scene, which may not appeal to those seeking more of a party atmosphere. While there are a few bars, breweries, and lounges, the options are more limited compared to cities like Raleigh or Charlotte. This may be a drawback for younger folks or those looking for more excitement after dark.
9. Pro: Access to higher education
Greensboro is home to several higher education institutions, including the University of North Carolina at Greensboro and North Carolina A&T State University. These schools offer a range of programs and solidify Greensboro’s status as an elite North Carolina college town.
10. Con: Pollen and allergies
For people with seasonal allergies, living in Greensboro can be tough during spring and early fall. The city’s abundance of trees and plants means high pollen counts, which can trigger allergies. Residents with sensitivities may experience discomfort during these months, making it a consideration for those prone to extreme seasonal allergy reactions.
11. Pro: Central location in North Carolina
Greensboro’s location in central North Carolina makes it easy to travel to other parts of the state. Residents are within a few hours’ drive of the beaches to the east and the mountains to the west. This central location is perfect for weekend getaways or day trips to explore North Carolina’s stunning scenery and stellar small towns.
12. Con: Underwhelming shopping choices
While Greensboro has several malls and shopping centers, it lacks the high-end retail options that larger cities offer. For more upscale shopping, residents may have to visit friends living in Raleigh or Charlotte. This may be inconvenient for those looking for a wider variety of stores or luxury brands.
13. Pro: Growing food scene
Greensboro’s food scene is expanding, with a variety of restaurants serving everything from Southern comfort food to international cuisine. Local eateries, food trucks, and farmers markets are becoming increasingly popular. For foodies, Greensboro offers a surprising range of delicious options that cater to many tastes.
A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.
When people think of Detroit, they often picture its vibrant downtown and automotive legacy, but the true essence of living in Detroit extends beyond the urban core. The suburbs of Detroit offer a variety of residential areas that provide a quieter, more relaxed lifestyle while still being connected to the city’s rich history and amenities. These Detroit suburbs are spread across the metropolitan area, each with its own unique character and appeal.
In this ApartmentGuide article, we’ll explore some of the most notable Detroit suburbs—from cultural hubs to serene, nature-filled communities—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in Detroit or curious about the different Detroit neighborhoods, let’s discover the best parts of Metro Detroit to call home.
Cost of living in Detroit
Before we dive into the top Detroit suburbs, let’s cover how much it costs to live in Detroit. The overall cost of living in Detroit is about 3% higher than the national average, making it slightly more expensive compared to the national standard. Housing is a key factor, with the median sale price for a home in Detroit at $91,000, which is significantly lower than the national average of $432,657. Rent follows a different trend, with the average rent for a one-bedroom apartment in Detroit at $1,680, higher than the national average of $1,514.
While some suburbs around Detroit offer more affordable options, others can be more expensive, depending on their amenities and location. Here, we’ll explore a range of top suburbs, providing different lifestyle and housing opportunities depending on your budget and preferences.
If you’re looking for more specific rental insights, check out our guides on the 4 Most Expensive Neighborhoods in Detroit to Rent in 2024.
1. Grosse Pointe
Known for: Historic architecture, lakefront views, and charming neighborhoods
Grosse Pointe is one of Detroit’s most prestigious suburbs, known for its waterfront homes and historical architecture. Situated along Lake St. Clair, this suburb boasts beautifully preserved estates, quaint streets, and proximity to downtown Detroit. Grosse Pointe offers a suburban atmosphere with a blend of elegance and access to parks, shopping, and fine dining.
Population: 45,000 Median home sale price: $514,000 Grosse Pointe transportation scores: Walk Score 69, Bike Score 64
Apartments for rent in Grosse Pointe, MI | Houses for rent in Grosse Pointe, MI | Homes for sale in Grosse Pointe, MI
2. Royal Oak
Known for: Lively downtown, arts scene, and walkability
Royal Oak’s bustling downtown, filled with restaurants, entertainment venues, and coffee shops, makes it one of Detroit’s most vibrant suburbs. The nightlife is energetic, with a variety of bars and the famous Royal Oak Music Theatre. With easy access to highways, it’s a popular spot for commuters working in Detroit while enjoying the suburb’s trendy, artistic vibe.
Population: 59,000 Median home sale price: $342,000 Royal Oak transportation scores: Walk Score 57, Bike Score 53
Apartments for rent in Royal Oak, MI | Houses for rent in Royal Oak, MI | Homes for sale in Royal Oak, MI
3. Ferndale
Known for: Artsy vibe, local shops, and community events
Ferndale offers a creative atmosphere, attracting residents who enjoy unique local shops, vintage stores, and independent restaurants. Its strong sense of community is reflected in the many street fairs, art shows, and food festivals held throughout the year. With its compact downtown and walkable streets, Ferndale provides a charming, lively setting for residents.
Population: 20,000 Median home sale price: $250,000 Ferndale transportation scores: Walk Score 67, Bike Score 67, Transit Score 13
Apartments for rent in Ferndale, MI | Houses for rent in Ferndale, MI | Homes for sale in Ferndale, MI
4. Birmingham
Known for: Upscale boutiques, fine dining, and cultural attractions
Birmingham is one of Metro Detroit’s most affluent suburbs, combining high-end living with a downtown filled with boutiques, art galleries, and gourmet restaurants. The walkability of Birmingham’s downtown, combined with its luxury shopping options, has made it a popular area for professionals. Despite its upscale reputation, Birmingham’s sense of community and plentiful parks add to its charm.
Population: 21,000 Median home sale price: $983,000 Birmingham transportation scores: Walk Score 60, Bike Score 47
Apartments for rent in Birmingham, MI | Houses for rent in Birmingham, MI | Homes for sale in Birmingham, MI
5. Troy
Known for: Great schools, business hub, and shopping centers
Troy is a large suburban city that combines residential living with business districts and abundant shopping options like the upscale Somerset Collection mall. With top-rated schools, beautiful parks, and a range of housing options, Troy is one of the most desirable suburbs in the Detroit metropolitan area.
Population: 84,000 Median home sale price: $430,000 Troy transportation scores: Walk Score 29, Bike Score 41
Apartments for rent in Troy, MI | Houses for rent in Troy, MI | Homes for sale in Troy, MI
6. Dearborn
Known for: Cultural diversity, Middle Eastern heritage, and proximity to Detroit
Dearborn is one of Detroit’s most culturally rich suburbs, known for its large Middle Eastern community and iconic landmarks like the Arab American National Museum. The suburb is home to Ford Motor Company’s headquarters, adding a significant economic presence. Dearborn combines cultural vibrancy with suburban comfort, making it an excellent place for those who want to stay close to Detroit but enjoy a quieter atmosphere.
Population: 110,000 Median home sale price: $257,450 Dearborn transportation scores: Walk Score 58, Bike Score 47
Apartments for rent in Dearborn, MI | Houses for rent in Dearborn, MI | Homes for sale in Dearborn, MI
7. Livonia
Known for: Large shopping malls, suburban atmosphere, and recreational parks
Livonia is a highly sought-after suburb with a blend of residential neighborhoods, shopping hubs, and parks. It’s known for its strong retail presence, including major shopping malls and entertainment centers. Livonia offers a well-rounded suburban lifestyle with excellent access to both Detroit and Ann Arbor, making it convenient for commuters.
Population: 94,000 Median home sale price: $317,500 Livonia transportation scores: Walk Score 36, Bike Score 45
Apartments for rent in Livonia, MI | Houses for rent in Livonia, MI | Homes for sale in Livonia, MI
8. Novi
Known for: Growing economy, modern developments, and top-rated schools
Novi is a rapidly growing suburb that boasts a strong economy, driven by commercial and industrial development. It’s an attractive option for those seeking new housing developments, shopping centers, and proximity to excellent schools. Novi also offers ample parks and recreational spaces, creating a balanced suburban lifestyle.
Population: 66,000 Median home sale price: $489,950 Novi transportation scores: Walk Score 19, Bike Score 45
Apartments for rent in Novi, MI | Houses for rent in Novi, MI | Homes for sale in Novi, MI
Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Detroit area. Average rent and home sale price data were sourced from Redfin and Rent.com as of October 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from Walk Score.
Whether you’re seeking a slower pace or easy access to nearby cities, Chesapeake is an intriguing option for many. However, before deciding to make the move, it’s important to weigh the pros and cons of living in Chesapeake. Let’s explore 10 of the most prominent pros and cons of living in Chesapeake to help you decide whether or not it’s the place for you.
Chesapeake at a glance
Walk Score: 21 | Bike Score: 35 | Transit Score: 14 Median Sale Price: $410,000 | Average Rent for 1-Bedroom Apartment: $1,482 Houses for rent in Chesapeake | Apartments for rent in Chesapeake | Homes for sale in Chesapeake
1. Pro: Easy access to nature
Chesapeake is known for its beautiful natural spaces, particularly the Great Dismal Swamp National Wildlife Refuge. The city offers ample opportunities for hiking, birdwatching, and other outdoor activities. For nature lovers, the proximity to wetlands, forests, and rivers is a significant draw.
2. Con: Car-dependent city
Public transportation options are limited in Chesapeake, making owning a car darn near essential. While there are some bus services, they’re sparse compared to larger Virginia cities. Commuting can take longer, especially during peak traffic hours, as the city covers a large geographical area. If you’re used to walkable cities, this may feel inconvenient.
3. Pro: Strong job market
Chesapeake benefits from a strong economy with major industries like defense, healthcare, and manufacturing all thriving. Major employers include Dollar Tree’s headquarters and Chesapeake Regional Medical Center. The proximity to military bases also contributes to a stable job market with diverse opportunities. Residents often find local employment without needing to commute to neighboring cities.
4. Con: Growing traffic congestion
With Chesapeake’s steady growth, traffic congestion has become a more prominent issue, especially during rush hours. While there are several routes in and out of the city, the increase in population puts more cars on the road. The expansion of nearby cities also contributes to longer travel times when commuting to places like Norfolk or Virginia Beach.
5. Pro: Proximity to beaches
Living in Chesapeake means being just a short drive from friends living in Virginia Beach and other Atlantic coastal destinations. You can enjoy weekends at the beach without having to deal with beach-town prices. This accessibility makes it easy to balance city life with coastal relaxation.
6. Con: Limited nightlife
If you’re looking for strong nightlife, Chesapeake may feel quiet compared to nearby cities like Norfolk. While there are some restaurants and bars, like the beloved Neat Bird Chicken and Whiskey, the city is more known for its family-friendly activities and well-maintained outdoor spaces.
7. Pro: Family-oriented community
Chesapeake offers a range of family-friendly activities and amenities, including excellent public schools, parks, and community centers. The city frequently hosts events like farmers’ markets and local festivals that cater to all ages.
8. Con: Higher housing costs
Compared to some neighboring areas, housing in Chesapeake can be on the pricier side. While the median sale price is slightly lower than the national median of $432,849, the cost of buying in Chesapeake has risen over recent years. Apartments in Chesapeake have followed a similar trend, going for around $1,757 on average.
9. Pro: Convenient access to major highways
Chesapeake’s location near major highways like I-64 and Route 17 makes it easy to travel across the Hampton Roads region. Whether you’re commuting to Norfolk, Virginia Beach, or farther afield, the city is well-connected.
10. Con: Limited public transportation
Chesapeake lacks a comprehensive public transit system, which can make getting around difficult without a car. While there are some bus routes, they’re not as extensive as in neighboring cities like Norfolk. This lack of public transportation may be a drawback for those accustomed to transit systems.
A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.
“I am thrilled to announce both Rocke and Valerie’s new positions within NAMB,” NAMB president Jim Nabors said in a Press release. “Both of these industry veterans are incredibly talented professionals and have served NAMB for many years in various capacities. With these two now working with NAMB full time, NAMB is best positioned to … [Read more…]
Fall in Portland, Maine is a spectacular experience, filled with vibrant colors and a host of activities. September to October is the best time of year to enjoy the magic of fall in Portland, from the scenic coastal views to fun downtown festivities. Stroll through the charming streets of the Old Port, where you can explore local shops and enjoy seasonal treats at cozy cafes. Don’t miss the chance to visit nearby orchards for apple picking or take in breathtaking views on a scenic drive. With local festivals celebrating food, art, and community, there’s fall things to do in Portland, ME for everyone to enjoy.
Whether you’re searching for a house to rent in Portland, ME, an apartment to call home, or ready to purchase your first home in the city, , this city has so much to offer. Let’s explore 15 fall things to do in Portland, ME, where pops of color and cozy vibes create the perfect backdrop for autumn and give you a taste of why Portland is a good place to live.
1. Pop some tags at the local thrift shops
The community around thrift and vintage shopping in Portland is eclectic and supportive, hosting regular events like swap meets and pop-up markets. Whether you’re hunting for a vintage vinyl record, mid-century furniture, or stand-out fashion statements, you’ll be sure to find something unique at one of Portland’s thrift stores.
“One of my favorite things about Portland is the amount of thrift and vintage shops we have,” shares local photographer Shado of Shado of a Rose Photography. “All within a 10-minute walk you could get incredible vinyl at Moody Lords, find that new sweater you need for fall at Material Objects, or pick up a retro video game/movie poster from Electric Buddhas.”
And, if you’ve worked up an appetite while thrifting, Shado has you covered. ”If you’re in the mood for some food just pop over to Exchange street a few blocks away. Whether you’re getting incredible chicken from Crispy Gai, eating $1 oysters on a Wednesday night at Blyth and Burrows, or having dessert at Gorgeous Gelato, you really can’t go wrong when going out in the Old Port.”
2. Admire the fall foliage in Portland
Whether you’re walking, biking, or simply taking a drive, enjoying the fall foliage in and around Portland is a perfect way to experience the changing of the seasons. The contrast of the colorful foliage with the historic architecture and coastal scenery creates a picturesque setting that feels like a scene from a postcard.
Fall colors around town
“This small East Coast city, with its cozy New England town feel, offers a little bit of something for those wanting to feel at home or someone seeking a temporary home base to do some leaf-peeping in Maine during the fall season,” describes local Portland author Marpheen Chann.
One of the best ways to experience the fall foliage in Portland is by exploring the many parks and waterfront areas. “A walk or bike ride on smooth trails can take you around Back Cove, where you can get a quality photo of Downtown Portland from across the water at Payson Park. Continue your day at Portland’s Eastern Promenade, the perfect place for a picnic with scenic views of Casco Bay and its islands,” Chann shares.
Catch a train
You can also relax into a scenic tour of the fall foliage by hopping on the Maine Narrow Gauge. “From your comfortable seat on the historic train, take in the dazzling colors of autumn, set against the backdrop of Casco Bay. You’ll hear all about Portland’s history and learn about local landmarks from onboard narration,” describes Matt Levy, general manager of the Maine Narrow Gauge Railroad. You can also get special Pumpkin Train tickets for the last two weeks of October, and continue the fun into the holiday season with a Polar Express themed train ride.
Finish the day
Hungry after a day of exploring fall in Portland? “Experience some of Portland’s iconic and diverse restaurants without the summer crowds with Cambodian-Chinese eats at Oun Lidos on Market Street,” recommends Chann. “If you’re looking for a good spot for a drink or a casual date, pickup where you left off with a friend or a book at Novel on Congress Street or snag some downtown views high up at the Top of the East on High Street.”
Whether you’re walking around town or getting into the countryside, experiencing the fall colors in Portland is an autumn must-do – finished off with great food, of course.
3. Wander the picturesque streets of Portland
“Portland in the Fall is magical,” gushes Adria Moynihan Rusk, a painter at Still Life Studio in Portland. “You’ll skip the rush of summer tourists while being here at the most picturesque time of year. Check out the Old Port and Bayside neighborhoods to find a unique selection of local shops and breweries.”
Old Port
Portland’s neighborhoods offer a mix of maritime heritage and urban appeal, inviting you to spend your autumn days wandering their streets. “Fall is a perfect time to explore Portland,” agrees Sierra Bisson, author of the travel blog The Ocean Drifter. “Walk around the cobblestone streets of the Old Port, where you’ll find great shopping and amazing restaurants.”
Charming lanes and narrow alleys wind through the Old Port, where brick buildings house eclectic shops, art galleries, and cozy restaurants. “When you’re in the area, make sure to stop by must-try spots like Duckfat and Taco Escobarr,” Bisson continues. “If you’re in the mood for some nightlife, swing by Bonfire for a fun evening with a great atmosphere and drinks.”
The Waterfront
If you’re looking for places to stop by on your stroll, Rusk is full of suggestions. “Grab a latte at Bard Coffee and walk down Commercial Street to people-watch along the waterfront,” she shares. “Take the fairy out to Peak’s Island and back, and then head to Washington Avenue for a hot bowl of Pho Ga at Cong Tu Bot. Don’t forget to try the potato donuts at the Holy Donut.”
To finish off your day of exploring Portland in the fall, Rusk recommends, “Find a park bench on the East End promenade and watch the boat traffic skip across Casco Bay. It’s hard to do it wrong, so make an adventure of it.”
4. Warm your insides with local beer tasting
Portland, ME’s craft beer scene is renowned for its creativity, quality, and variety, making it one of the top destinations for beer lovers in the country. The city boasts a high concentration of breweries, from long standing favorites like Allagash Brewing Company to newer, experimental breweries like Bissell Brothers. Many breweries are located in Portland’s industrial areas and waterfront, offering taprooms where guests can sample a range of styles, from hoppy IPAs and smooth stouts to crisp lagers and sour ales.
“You absolutely have to check out at least one of the local breweries – Portland is known for its craft beer scene,” confirms Bisson of The Ocean Drifter blog.
Must-visit breweries
“Fall in Portland isn’t complete without attending Oktoberfest at one, or more, of the city’s great breweries,” seconds local tech expert and beverage connoisseur Dan DeSimone. “I especially like Belleflower, which is walking distance from a number of other breweries like Austin Street and Rising Tide. Tandem Coffee is right down the street too if you’re in the mood for a latte break (pumpkin spice optional) between beers.”
The East Bayside is another area that is renowned for its breweries, with local chocolate shop Dean’s Sweets offering the perfect neighborhood map to plan out your day of beverage sampling. “The East Bayside is one of the fastest-changing neighborhoods in Portland, ME,” reveals Kristin from Dean’s Sweets. “There are spirit makers, food trucks, hard seltzer, and cider right alongside the many breweries and wineries. And of course, chocolate at Dean’s Sweets, for those who want a gift for others or a nibble for yourself,” she laughs.
Join a beer tour for a unique beer-tasting experience
For a fun way to spend fall in Portland and sample the craft beer scene, consider a beer tour. “Join the Maine Brews Cruise for a cozy, festive journey through Maine’s craft alcohol scene amidst the backdrop of stunning fall foliage,” shares the Maine Brews Cruise team.
With options of a guided walk through the streets of Portland or having your own designated driver on a tour bus, the Maine Brews Cruise is perfect for those who enjoy a snug atmosphere while exploring local breweries, distilleries, and wineries. “With expert guides and a warm setting, you can learn, taste, and toast to the season – flannel attire recommended for the full autumn experience,” says the team.
You can also embrace Portland’s coastal vibe with a beer and boat tour through SeaPortland. “For those eager to experience Portland’s crisp fall beauty and rich history, SeaPortland provides exclusive tours that combine sightseeing with local brew tastings,” describes the crew. “You can explore historic Fort Scammel or enjoy a Harbor Cruise, where the vibrant fall colors enhance the flavor of each locally brewed beer. These 90-minute tours promise a blend of good vibes and spectacular sights, ideal for anyone looking to savor the season.”
However you prefer to indulge in the local craft beer scene, the city’s community-focused beer culture is a great fall thing to do in Portland.
5. Get outside into Portland’s local landscape
Portland is a mix of coastal beauty and historic urban charm. Located on a peninsula overlooking Casco Bay, the city’s waterfront features working harbors, marinas, and scenic parks like the Eastern Promenade. In the fall, the vibrant foliage adds to the town’s allure, making outdoor exploration a must.
See the scenery
“Visiting Portland in the fall is many people’s highlight of the year,” states Nick Robinson of Portland Schooner Co. “For a nature experience in town, try the walking trails at the Evergreen Cemetery where you can catch migrating birds in the trees, turtles and other amphibians in the ponds, and an array of tree species lighting up the landscape with their vibrant colors.”
You can also get a new perspective of Portland’s scenery via a historic wooden schooner, sailing your way around Casco Bay on the Maine-built boat through the Portland Schooner Co. “Don’t forget your hat, sunglasses, and cozy layers,” reminds Robinson.
Enjoy your dining outdoors
“Autumn in Portland is my favorite time of year,” confesses Chelsea K Ray, a wardrobe consultant and blogger based in the city. “Breakfast right on Casco Bay at the Porthole is a must. Walk off your lobster Benedict with a stroll along the East End Trail, and don’t forget to dip your toes in the ocean at East End Beach.”
Ray recommends doing some shopping at Mexicali Blues and Ports of Call on Commercial Street before enjoying fresh seafood at DiMillos, a floating restaurant that features beautiful waterfront views. “Wrap your day up with a cocktail at the Commercial Street Pub,” encourages Kay, noting that the pub is a true local’s spot where you can share your day’s adventures with other patrons.
6. Celebrate the season with Harvest on the Harbor
Since its inception in 2007, Harvest on the Harbor has celebrated Portland’s outstanding culinary scene, showcasing the talents of local chefs, brewers, distillers, and food artisans. “This is the 16th year for Harvest on the Harbor, which draws attendees from around the world to savor the deliciousness of Maine,” shares the Harvest on the Harbor team.
Portland has earned the reputation as “The Foodiest Small Town in America,” and the festival nods to this title by highlighting Maine’s rich food and beverage culture.
“Harvest on the Harbor is a celebration of Maine-made spirits, Maine lobster, Maine oysters and Maine seafood,” confirms the team. “With four events in three days there is something for everyone, including the Maine OysterFest, From The Sea and the Maine Cocktail Classic.”
Held the last weekend of October, Harvest on the Harbor offers a fun fall outing and a tasty celebration of Maine’s local flavors and traditions.
7. Indulge in Portland’s fall flavors and festivities
Portland celebrates fall with festivals, outdoor markets, food, and events like the Portland Farmers’ Market, which overflows with fresh produce, baked goods, and seasonal flowers.
Local eats and treats
“Portland is simply vibrant in autumn,” affirms Jamie, author of the blog Travel Addict. “Whether you are tasting local beers at the Portland Beer Hub, hiking on Peaks Island, or tasting the freshest of seafood along the waterfront, it’s the perfect fall destination with something for everyone. The cuisine is top notch – with incredibly fresh seafood at Scales and exquisite flavors at Duck Fat.”
Seasonal favorites like cider donuts, craft pumpkin ales, and hearty farm-to-table dishes become staples at eateries across the city, making a food tour a perfect fall thing to do in Portland.
“Maine Day Ventures keeps you moving and learning while you eat and shop,” suggests Kristin of Dean’s Sweets. “The guide gives an insider’s behind-the-scenes taste of the most popular spots in the city. The tour includes generous portions of some Maine specialties, including lobster, blueberries, craft beer, and the always-loved Maine potato, along with some up-and-coming foodie trends.”
Fall activities
Other fun fall activities come recommended from the Harvest on the Harbor team, including visiting corn mazes, hiking, trying award-winning restaurants, shopping and gallery hopping.
“Every Friday, the City of Portland hosts a First Friday Art Walk with gallery openings,” says Harvest on the Harbor. “Performing arts opportunities include the Portland Symphony Orchestra, celebrating its 100th season with performances at a few area breweries and a pay-what-you-can Chamber Series.”
8. See the city by sea
Experience Portland by sea for stunning views of Casco Bay, its islands, and iconic lighthouses like Portland Head Light. Fall tours provide a quieter, more intimate experience, with crisp air and warm autumn sunlight reflecting off the water.
“If you’re looking to enjoy Maine’s autumn spectacle, Casco Bay Custom Charters offers cozy flannel-wrapped adventures aboard vintage vessels,” shares Dyland Suhr from Maine Tour Company. “Enjoy breathtaking views of the colorful coastline with a bottomless mimosa brunch or a sunset dinner prepared by a private chef. This is the perfect opportunity for private groups to make unforgettable leaf-peeping memories on the water.”
Charter a boat for an intimate and private experience, or take the ferry across the bay to Peaks Island for a day of strolling amongst the neighborhood’s fall colors.
“Catch the ferry at Casco Bay Lines,” recommends Kristin from Dean’s Sweets. “The 30-minute trip across the bay is fun all on its own. Get some sun and enjoy the sparkling water and cool air along the way. If you’re lucky, you may see a bald eagle or a harbor seal.”
9. Take a day for everyone to play
“A trip with loved ones to Portland wouldn’t be complete without a visit to the Children’s Museum & Theatre of Maine, the state’s most visited museum and top destination for play located at Thompson’s Point,” says Shultzie Fay Willows, a representative for the museum.
Kids can explore hands-on exhibits like water and air activities, an outdoor playground, and an indoor climbing structure. They can also enjoy cultural displays, aquarium tours, performances at the country’s oldest children’s theater, and creative activities in MakerSpace – all included.
To round out the fall weekend in Portland, Willows is full of all-ages recommendations. “Afterward, paint some pottery next door at Color Me Mine or explore the fascinating International Cryptozoology Museum,” she shares. “For lunch, stop by Bissell Brothers, savor a grilled cheese at Sacred Profane, or enjoy hot dogs and pierogi at Leisure Time. There is something for everyone to do, try, and explore.”
10. Journey to the countryside for a true fall farm experience
A 40-minute drive from Portland, Bowdoinham comes alive in autumn with apple picking, pumpkin patches, and hot cider. This rural town along the Kennebec River is known for its vibrant farming community and fall harvest season.
If you’re looking for beautiful colors, Stonecipher Farm is an organic farm brimming with bright veggies in the autumn months. “The ‘no-till’ approach to vegetable production means a highly organized field system, resulting in an outstanding aesthetic,” claims Ian Jerolmack from the farm. “Folks have said it looks like the king’s garden.”
When you’re done exploring the farm, head back into town and sample from many other local farms at various Bowdoinham fall festivals, where vendors line up with their fresh offerings and handmade crafts.
11. Bring Fido along for the adventure
Portland is known for being an exceptionally dog-friendly city, welcoming four-legged companions in many public spaces and businesses. Numerous restaurants and breweries have outdoor patios where dogs are welcomed with water bowls and treats. The city’s pet-friendly vibe extends to shops, where many local businesses allow well-behaved dogs.
“There are many restaurants and locations that are dog-friendly throughout the city, just make sure to check their pet policy and local leash laws to ensure you and your dog have a great and safe time enjoying Maine’s fall together,” advises Portland pet photographer Gina Soule.
“Enjoying Portland in the fall alongside your four-legged best friend gives you a taste of the very best of Maine,” Soule continues. “From having your dog join you for a stroll along the Eastern Prom, exploring Higgins beach together, to enjoying an adult beverage around a fire on the patio at Maine Craft Distilling, you can’t go wrong with any of the numerous dog-friendly locations Portland has to offer.”
12. Cozy up with a good book
Fall and books are the perfect pair, whether you’re curling up in a chair by a roaring fire or sipping on tea at a local cafe with a book in hand. “Portland has a rich and robust bookish culture, with tons of amazing bookshops throughout the city,” adds Ash Holland, local owner to The Lucky Fox Bookshop.
Local favorites include Sherman’s, which opened in 1896, residing as Maine’s oldest bookstore. Another is Longfellow’s, a classic book shop with the perk of having the occasional feline guest wandering the store, available to adopt if it happens to choose you.
But if you’re after a fun and unique bookshop experience, look no further than The Lucky Fox Bookshop. A traveling and online bookstore, The Lucky Fox is an independently-run business that hosts pop-up shops at hot spots around Portland, and centers their collection around LGBTQ themes, fantasy, and works from marginalized authors. “Check out the event page to see where we’ll be setting up shop this fall and winter; or, explore the online shop to snag your next great read,” advises Holland.
As the weather gets cooler, many bookstores also host special events like author signings, book clubs, and seasonal sales, making bookshop hopping a perfect fall activity for a day in Portland.
13. Prepare to be spooked at a haunted house
A visit to a haunted house perfectly captures the fall mood, blending eerie history with spooky entertainment as the days grow shorter and colder.
While there are multiple haunted houses you can explore around Portland, nothing quite beats The Annual Haunting at the Parsonsfield Seminary. Originally built in the 1800s, its 42 rooms transform into an epic spooky mansion for the ultimate Halloween experience. You’ll be led on a tour through the building’s four floors for a suspenseful storytelling show, guaranteed to give you some scares. Tours are offered only the last two weekends of October, and the seminary changes its act every year for a truly unique time.
While the Parsonsfield Seminary is located an hour out of Portland, it’s more than worth the trip. Make a weekend of it by staying nearby with Backcountry Excursions, where owner Cliff Krolick ensures you get the full fall experience cozying up in one of his yurts or cabins nestled within the woods.
14. Travel off the beaten path on an oyster tour of Portland
“If you’re an oyster lover visiting Portland, be sure to check out the Maine Oyster Trail,” recommends Trixie Betz, an oyster expert.
The Maine Oyster Trail, of which Portland is a major hub, offers activities like farm tours, boat tours, raw bars, shuck trucks, and even kayaking adventures, where you can see oyster farming up close and taste the product directly from the source. It’s a great fall activity that combines education, fresh seafood, and Maine’s scenic coastline.
“Fall is the best time to enjoy oysters, and what better place to do that than in Maine,” shares Betz. “Not only will you enjoy delicious Maine oysters and learn about the industry, you’ll earn prizes along the way.”
The Maine Oyster Tour includes an oyster passport you can use to keep track of the places you’ve visited; the more establishments you check into, the more prizes you earn. The farm-to-table approach of the experience gives you the unique opportunity for direct interaction with Maine’s oyster farms, making the Maine Oyster Trail a perfect fall thing to do in Portland.
15. Escape the chill with local nightlife
Portland’s nightlife changes with the seasons, especially in the fall when outdoor patios stay open with heaters and fire pits. Many places also host seasonal events, from Halloween-themed parties to fall harvest festivals that go into the night. Rising Tide Brewing Company and Oxbow Blending & Bottling have both indoor and outdoor spaces, and you can often find live music or food trucks.
For local music and laid-back vibes, check out the Flask Lounge for nightly live music, dancing, and up-and-coming DJs and bands. “Nestled in the heart of Portland, Flask Lounge is your favorite down-to-earth neighborhood bar,” affirms Flask Lounge owner Jessica Nolette. “Known for its unassuming charm and the city’s most affordable drinks, it truly feels like home.”
If dancing isn’t your thing, cozy up inside an intimate cocktail bar instead. The Portland Hunt + Alpine Club will serve you creative drinks in a sleek, Scandinavian-inspired space. For a warm and vintage vibe, Blyth & Burrows features a speakeasy-style experience, with handcrafted cocktails celebrating the maritime history of Portland.
Whether you’re in the mood for craft beers, live music, dancing the night away, or a more elegant evening, exploring the nightlife in Portland fall will leave you feeling warmer than you started.
Discovering fall things to do in Portland, Maine
There’s truly something special about fall in Portland, Maine. From festive farmers’ markets to cozy cafes and autumnal events, there’s something for everyone to enjoy. Whether you’re a lifelong resident or a first-time visitor, there are a plethora of fall things to do in Portland just waiting to be discovered. So bundle up, head out into the brisk air, and immerse yourself in all the fall fun this enchanting New England city has to offer.
Negative working capital is when a company’s current liabilities are greater than its current assets. Current liabilities are those that are due in less than 12 months. Current assets are those that can turn into cash in less than 12 months.
It’s easy to think that companies with negative net working capital would be at financial risk, but that’s not necessarily the case. There are many situations where having occasional and controlled negative working capital can actually work in a business’s favor.
Read on for an in-depth look at what it means to have negative working capital, when it can happen, and whether it’s a good or bad thing for your small business.
Key Points
• Negative working capital occurs when a company’s current liabilities exceed its current assets, indicating potential cash flow challenges.
• Businesses like supermarkets and restaurants often have negative working capital due to fast inventory turnover and delayed payments to suppliers.
• Negative working capital can, however, signal a risk of not meeting short-term obligations, potentially leading to financial strain.
• Some companies use negative working capital strategically to free up cash by delaying payments to suppliers.
• If your small business is struggling with working capital, you can take out a working capital loan or business line of credit to help meet short-term obligations.
What Is Negative Working Capital?
Working capital is the difference between a business’s current assets and current liabilities.
Working Capital = Current Assets – Current Liabilities
A current asset is an asset that can be easily converted to cash within a year. Current assets include cash, cash equivalents, accounts receivable, stock inventory, marketable securities, prepaid liabilities, and other liquid assets. A current liability is any debt that is expected to be repaid within a year. Current liabilities include obligations such as accounts payable and amounts due to suppliers, employee wages, and payroll tax withholding.
Ideally, current assets should be greater than current liabilities but for many businesses, that’s not always the case.
Negative working capital is when a company’s current liabilities are greater than its current assets, as stated on the firm’s balance sheet. While that may sound like a risky proposition, some businesses are able to dip into periods of negative working capital without any ill effects.
Negative working capital commonly arises when a business generates cash very quickly because it can sell products to its customers before it has to pay the bills to its vendors for the original goods or raw materials. It then uses that cash to purchase more inventory or expedite growth in other ways. By doing this, the company is effectively using the vendor’s money as an interest-free loan. The firm still has an outstanding liability, however, which means it can end up with negative working capital.
Positive Working Capital
Positive working capital is when a company’s current assets exceed its current liabilities. It’s the opposite of negative working capital and is usually a good position for a company to be in. Positive working capital means your business will be able to fulfill its financial obligations in the coming year and still have cash leftover to deal with any market disruptions (or other challenges) and/or invest in growth.
In order to be approved for a small business loan, businesses usually need to have a positive working capital, since many loans require assets as collateral. If the business is upside down on its debts vs. its assets, it may have trouble getting approved. However, working capital is one of many factors that lenders look at when approving loans.
Is it possible to have too much positive working capital? Yes. If assets are sitting somewhere and not helping the business grow and generate further revenue, then it’s possible they could be better used elsewhere to fuel the company’s next phase of development. To be competitive in today’s market, leveraging growth for healthy, steady business expansion is often essential.
Zero Working Capital
Zero working capital is when a company’s current assets are the same amount as its current liabilities. Having zero working capital can be a good sign, suggesting that the company is managing its resources effectively, maintaining just enough liquidity to cover its short-term obligations without tying up excess capital in non-productive assets.
However, having zero working capital can also signify that the company is operating on thin margins and doesn’t have much room for error. If unexpected expenses arise or if there’s a downturn in sales, the company could face liquidity problems.
Sometimes, a company might intentionally maintain zero working capital for a short period, perhaps to finance a specific project or investment. However, this is typically not a sustainable long-term strategy.
How to Calculate Negative Working Capital
Negative working capital is calculated by subtracting current liabilities from current assets. If liabilities exceed assets, the result is negative working capital. The formula is the same as the formula for working capital, with the end result being negative:
Negative Working Capital = Current Assets – Current Liabilities
Here’s a negative working capital example:
A gaming retailer buys $1.5 million worth of the latest console directly from the manufacturer. It sells every console within the first day, but doesn’t have to pay its bill for the next 45 days. So it uses this influx of cash to buy more consoles and further increase revenues. In this case, negative working capital works because sales are growing. As a result, this retailer should not have trouble meeting its short-term financial obligations as they become due.
Recommended: How to Calculate Cash Flow
How Negative Working Capital Arises
While negative working capital might seem alarming, there are situations where it can be a strategic choice or a temporary condition. Here’s a look at some reasons why a company might have negative working capital.
• Industry norms: Some industries naturally operate with negative working capital due to their business models. For example, retail businesses often collect cash from customers before paying suppliers for inventory. This allows them to operate with negative working capital, using suppliers’ credit to finance their operations.
• Rapid growth: A company experiencing rapid growth might have negative working capital because it’s investing heavily in inventory and receivables to support increased sales. While this can strain short-term liquidity, it’s often seen as a sign of expansion and can be managed if the growth trajectory is sustainable.
• Seasonal variation: Businesses that experience seasonal fluctuations in sales may have negative working capital during slow periods when they build up inventory and receivables in anticipation of higher demand.
• Efficiency goals: In some cases, companies deliberately manage their working capital to optimize efficiency. They may prioritize cash flow by delaying payments to suppliers or accelerating the collection of receivables, even if it results in negative working capital on their balance sheet.
When Is Negative Working Capital Good vs Bad?
As mentioned, negative working capital can either be good or bad. Let’s take a closer look at why.
Good Negative Working Capital
Negative working capital can be a good thing when companies are able to sell their inventory faster than their suppliers expect payment. This cash surplus allows the company to purchase more inventory or spur growth in other ways. In this scenario, the vendor is essentially financing part of the company’s operating and investment expenses — similar to a zero-interest loan.
Negative working capital can also provide a company with greater flexibility and agility to respond to changing market conditions or unexpected expenses, while also allowing it to take advantage of growth opportunities as they arise.
Recommended: Business Loan vs Personal Loan: Which Is Right for You?
Bad Negative Working Capital
As soon as a company is unable to pay its operational costs or suppliers on time, negative working capital can shift from good to bad. Even if a company may have utilized negative working capital in the past without issues, a hiccup in sales can hurt operations fast. Negative working capital leaves a company with minimal cushion to absorb the unexpected.
If a business must constantly delay payments to vendors and suppliers, it could strain relationships with those partners. Over time, suppliers may become reluctant to extend credit or offer favorable terms, which could affect a company’s ability to secure necessary goods and services.
Recommended: 15 Types of Business Loans to Consider
Which Industries Typically Have Higher Negative Capital?
Companies with rapid turnover of inventory or services and make their money through cash often have negative working capital. This includes large food stores, retailers, fast food restaurants, service-oriented business, e-commerce companies, and software companies.
Strategies for Dealing With Negative Working Capital
To stay on top of negative working capital, business owners may want to:
1. Fully understand the flow of cash within your company. Using a business balance sheet to track income and expenses can help you pinpoint money issues that could contribute to negative working capital.
2. Keep track of account receivables.
3. Analyze how long it takes to completely sell through inventory batches.
4. Optimize billing cycles to space out expenses to match estimated sales.
Recommended: How Much Does it Cost to Start a Business?
The Takeaway
Negative working capital is a state in which a company’s current liabilities exceed its current assets. Negative net working capital is fine as long as a company is able to pay its operational expenses and suppliers on time. If it is unable to do so, however, its long-term financial health may be in jeopardy.
While negative working capital can offer certain advantages in terms of cash flow management and flexibility, it’s essential for companies to carefully monitor and manage their working capital levels to avoid potential pitfalls and maintain financial stability.
If you’re seeking financing for your business, SoFi can help. On SoFi’s marketplace, you can shop top providers today to access the capital you need. Find a personalized business financing option today in minutes.
With SoFi’s marketplace, it’s fast and easy to search for your small business financing options.
FAQ
What does negative working capital indicate?
Negative working capital can indicate a business has a high inventory turnover, meaning it’s able to sell off inventory before any amount is owed to the supplier. On the other hand, it can also mean that the business is having difficulty receiving on-time payments from its customers.
Is negative working capital typically a bad thing to have?
Not necessarily. Businesses in retail or fast-moving consumer goods often operate with negative working capital because they receive payment from customers before paying their suppliers. However, negative working capital can also signify liquidity issues, financial distress, or strained supplier relationships if the company is unable to meet its short-term obligations.
Can working capital being too high be a problem?
Yes. High working capital often means that a significant portion of the company’s assets is tied up in short-term assets like cash, accounts receivable, and inventory. If these assets are not being efficiently utilized, it can lead to lower returns on investment and reduced profitability.
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Looking for the best online customer service jobs? If you’re searching for a way to make money from your laptop or are tired of commuting, then an online customer service role might be the perfect fit for you. Online customer service jobs are typically entry-level opportunities that can be done from home. These jobs are…
Looking for the best online customer service jobs?
If you’re searching for a way to make money from your laptop or are tired of commuting, then an online customer service role might be the perfect fit for you.
Online customer service jobs are typically entry-level opportunities that can be done from home.
These jobs are great for anyone, even with no experience. I’ve personally seen how these roles can provide a good income, all while giving you the freedom to create your own schedule.
In this article, I’ll guide you through the best online customer service jobs available, what they pay, and how to get started—even if you’re completely new to the field.
12 Online Customer Service Jobs
Below is a list of the best online customer service jobs to make money.
The below are mainly large companies that are hiring, but another option would be to become a virtual assistant and work for a small company. Many smaller companies use virtual assistants to get the tasks done that they need, such as customer service. You can learn more about this at Best Ways To Find Virtual Assistant Jobs.
1. Amazon
Amazon is always hiring remote customer service associates to support its massive customer base.
To find jobs on Amazon as an online customer support specialist, visit Amazon’s career website here. In the search bar, type “customer service” and select remote or virtual as your location. This makes sure that the jobs that come up are 100% remote.
From there, you can also choose filters like part-time or full-time. You select the country you’re eligible to work in, as Amazon has job postings all around the world. You’ll want to look for jobs with titles like “Customer Service Associate,” “Customer Support Specialist,” or “Virtual Customer Care Representative”.
Amazon also has seasonal positions, so if you’re looking for a temporary role to bring in extra money during the holidays, this is a great option.
There are many benefits to working for Amazon, including stock options, career development course funding, employee discounts, and more.
Recommended reading: How To Find A Remote Job
2. Apple
Apple also has job listings for remote customer support jobs.
To find customer support jobs at Apple, go to their official careers page here. You can also choose filters like “home office,” so you only see remote job listings. Besides the Apple careers page, you can also find jobs at Apple on sites like Indeed and LinkedIn. Search for keywords like “Apple Customer Service” or “Apple At-Home Advisor”.
You can also set up job alerts for Apple’s customer support jobs so you get email alerts any time a job related to customer service is posted.
There are many benefits to working for Apple, including generous time off, discounts on Apple products, stock options, and education reimbursement for courses.
3. American Express
American Express also has remote customer support jobs. To find these jobs, visit the American Express career page. This is where you can search for jobs by keyword and location.
You can type in keywords like “Customer Service” or “Customer Support” and use the location filter to choose “virtual” or “remote” jobs.
American Express has remote customer service jobs, usually called “Virtual Customer Care Professionals.” You can look for these jobs on sites like Indeed and LinkedIn as well. American Express is frequently hiring customer support specialists, so keep checking for job listings or set up email alerts.
There are many benefits to working for American Express, including health insurance, travel discounts, stock, and more.
4. Progressive
Progressive Insurance has Customer Support job openings on their website here.
To find Progressive customer support roles that are remote, use the keyword “remote” when searching for jobs. As of this writing, I found job openings for remote Claims Adjusters paying $24/hour. I think it’s important to regularly check for job updates on Progressive’s website as they are constantly adding new jobs.
You can also search for Progressive customer support roles on Indeed and LinkedIn. Indeed even lets you set up email alerts whenever new Progressive customer support roles show up.
There are many benefits to working for Progressive, including good starting pay, eligibility for bonuses, extra pay for working evenings or weekends, PTO, and more.
5. Yelp
Yelp has common customer support roles such as Customer Support Specialists and Content Moderation specialists.
To look at job openings for Yelp, check out their career page here. This is where you’ll find all of Yelp’s job openings, including tasks, qualifications, and benefits.
You can also engage with Yelp employees on LinkedIn to see what the job is like and get any insights on the hiring process.
There are many benefits to working for Yelp, including insurance, PTO, mental health services, monthly wellness subsidies, work-from-home reimbursement, and more.
6. AAA
I had a harder time finding remote roles for AAA, but I did find people saying they hire for remote customer support roles, they just can be harder to come by.
In-person customer support roles for AAA seem to be more common, but to find online jobs for AAA, check out their career page here.
There are many benefits to working for AAA, including tuition reimbursement, comprehensive health insurance, and wellness programs.
7. CVS Health
CVS Health has many remote customer support roles, with pay starting at $18 an hour and going up to $28 an hour, depending on experience.
To find CVS Health customer support roles, go to their careers page and filter the search for remote customer support jobs.
There are many benefits to working for CVS Health, including 401(k) with matching, employee discounts, wellness programs, and stock options.
8. Sutherland
You may not have heard of Sutherland before. Sutherland is a digital transformation company specializing in making digital processes feel more human to customers.
Sutherland often has remote customer support roles open. To find Sutherland customer support roles, go to their careers page and search for remote.
There are many benefits to working for Sutherland, including advancement opportunities, competitive pay, comprehensive health benefits, and more.
9. Chewy
If you love animals, you may love working for Chewy as a customer support specialist.
To find jobs at Chewy, go to their customer service careers page here. This is where you’ll find all of the job openings, qualifications needed, benefits, and more. I found it interesting that they have a page specifically for customer service careers, which suggests they are actively hiring in this area!
The starting wage for these jobs is $15.50 an hour, with room to grow.
There are many benefits to working for Chewy, including comprehensive insurance, competitive pay, 401(k), and more.
10. Concentrix
Concentrix is a global business company specializing in CEM, also known as customer experience management. They help businesses improve their operations and enhance customer interactions.
Concentrix has many open job listings for customer support roles, which you can find here.
There are many benefits to working for Concentrix, including paid training, bonus opportunities, insurance, wellness programs, and more. They even have mentorship programs to help you grow in your career and other unique benefits.
11. Alorica
Alorica is a global customer experience and business process outsourcing company. They help businesses improve their customer interactions, similar to Concentrix, which I mentioned above.
To find Alorica customer support job listings, visit their careers page here. Their customer support roles usually start at $16 an hour.
There are many benefits to working for Alorica, including employee discount programs, paid training and tuition reimbursement, and more.
12. TTEC
TTEC is similar to Alorica and Concentrix and is often hiring customer support specialists.
To find jobs at TTEC, go to their careers page here and search for customer service representative jobs.
There are many benefits to working for TTEC, including working remotely full-time, PTO, wellness and healthcare benefits, and more.
Frequently Asked Questions
Below are the most common questions about online customer service jobs.
How much do work-from-home customer service jobs pay?
Work-from-home customer service jobs typically have a starting wage of around $15 an hour, with more experienced customer support specialists earning over $25 an hour.
What are the highest-paying jobs in customer service?
The highest-paying jobs in customer service include jobs at Progressive and CVS Health. Technical support is related to customer support and typically pays a little bit more than customer service specialist jobs.
Can customer service be online?
Customer service jobs are almost always online since you can do this work from your laptop via chat, email, or video conferencing. So, this can be a great work-from-home job choice!
What does an online customer service representative do?
An online customer service representative is in charge of many tasks and may include:
Supporting customers through live chat, email, and social media
Addressing customer inquiries, resolving issues
Handling customer complaints
Handling processing, managing returns or exchanges
You can find job listings for customer service agents in nearly all industries around the globe, such as retail, travel, finance, and more.
Are there Amazon customer service jobs?
Amazon has many customer service jobs that are both in-house and remote. These roles typically involve helping customers with returns and inquiries, troubleshooting issues, and providing support related to Amazon’s products and services.
How can I find online customer service jobs from home with no experience?
To find online customer service jobs, visit job boards like Indeed or FlexJobs. Look for jobs with keywords like “customer service” and “customer support.” Make sure to choose your location as “remote,” so you only see remote job openings.
Best Online Customer Service Jobs – Summary
I hope you enjoyed my article on the best places to find online customer service jobs.
Finding an online customer service job is relatively easy to do, even with no experience. This is a great way to work from home without having to go on a long commute to work.
Are you interested in starting an online customer service job?
Located just southeast of Las Vegas, Henderson offers a unique desert lifestyle without all the buzz of the bright lights on The Strip. As one of the fastest-growing cities in the state, living in Henderson means suburban comfort with proximity to world-class entertainment.
Whether you’re looking for outdoor activities, a strong job market, or a more relaxed alternative to Vegas, Henderson has plenty to offer. All that said, it’s important to weigh the pros and cons of living in Henderson before making the decision to move.
Henderson at a glance
Walk Score: 30 | Bike Score: 44 | Transit Score: 25 Median Sale Price: $495,124 | Average Rent for 1-Bedroom Apartment: $1,693 Henderson neighborhoods | Houses for rent in Henderson | Apartments for rent in Henderson | Homes for sale in Henderson
1. Pro: Proximity to Las Vegas
Living in Henderson means you’re just 15 minutes away from the Las Vegas Strip. This gives you access to world-class entertainment, dining, and shopping without having to live in the hustle and bustle of the city itself.
2. Con: Impacted by Vegas traffic
While being close to Las Vegas is convenient, commuting during peak hours can be frustrating. Highways like I-215 and I-515 can experience heavy traffic, particularly on weekends and during events.
3. Pro: Access to the great outdoors
Henderson is just a short drive from attractions like Lake Mead and the Sloan Canyon National Conservation Area. These areas provide ample opportunities for hiking, boating, and camping, making it ideal for nature lovers. Needless to say, there’s always something to do in Henderson.
4. Con: Hot summers
While it may not be one of the hottest cities in the U.S., summers in Henderson can be extremely hot, with temperatures frequently reaching over 100 degrees. The heat can make outdoor activities challenging, especially during the summer months.
5. Pro: Growing job market
Henderson’s growing economy includes industries like healthcare, education, and tech. Major employers like Amazon and the Henderson Hospital contribute to steady job growth and career opportunities.
6. Con: Limited public transportation
Public transportation in Henderson is limited compared to larger cities. While there are buses, many locals find that owning a car is necessary to get around efficiently.
7. Pro: Family-friendly suburbs
Henderson is known for its family-friendly communities with parks, recreation centers, and excellent public schools. The city also boasts several master-planned communities that offer amenities like pools, parks, and golf courses.
8. Con: Higher housing costs
While more affordable than some areas of Las Vegas, housing prices in Henderson tend to be a bit higher than the national median of $432,849. Apartments in Henderson follow a similar trend and go for around $1,701 on average. The demand for real estate in this growing city keeps prices higher than in rural or smaller cities.
9. Pro: Variety of shopping and dining
Henderson is home to a wide range of shopping centers and dining options, from high-end restaurants to local favorites. The District at Green Valley Ranch is a popular shopping destination featuring unique boutiques and eateries.
10. Con: Water restrictions
As part of the desert Southwest, Henderson faces water conservation challenges. Residents must adhere to strict watering schedules, and xeriscaping is common to reduce water usage.
11. Pro: Quality healthcare
Henderson is home to several top-rated healthcare facilities, including the Henderson Hospital and Dignity Health-St. Rose Dominican. This ensures that residents have access to quality medical care close to home.
12. Con: Lack of local attractions
Henderson, while full of opportunities, lacks the cultural attractions found in larger Nevada areas. Museums, theaters, and festivals are fewer, meaning residents may need to venture to Las Vegas for such experiences.
13. Pro: Lower sales tax compared to Las Vegas
Henderson has a lower sales tax rate than neighboring Las Vegas, allowing residents to save a bit more on everyday purchases. This can make a noticeable difference when shopping for large items or dining out frequently.
A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.
“People get weird around money,” says Bobby Soler, a financial advisor with the firm Strategies for Wealth in New York City. “It can be really awkward with family members.”
He knows from firsthand experience. When it came to caring for his grandmother, his family avoided planning discussions, which led to stressful disagreements between siblings. He wants people to prevent that kind of situation by talking about money — even difficult topics like end-of-life planning — well in advance.
You want to know if your parents have enough money for retirement
Opening up the conversation by using a recent news article can be an easy way to start, says Dan Casey, founder of the financial firm Bridgeriver Advisors in Bloomfield Hills, Michigan. You could mention that you read an article about the value of using a retirement calculator, for example, or how many people are concerned with having enough money.
That way, he says, “you’re just passing on knowledge,” and can avoid unintentionally seeming like you’re trying to find out what inheritance you might one day receive.
Try questions that evoke hopes and dreams, says Erika Wasserman, CEO of Your Financial Therapist based in the Miami, Florida area.
One question you can pose is, “Mom and Dad, what is retirement going to look like for you?” Then, you could follow up by asking about where they want to live or whether they plan to move.
“When you give people a chance to explain their vision, it gives you a different perspective and allows them to open up,” she says.
You want to make sure your parents or grandparents have end-of-life paperwork in place
“Focus on the fact that you really care about them,” says Annie Cole, a Vancouver, Washington-based money coach and author of the book “101 Ways to Earn More, Build Wealth, and Live Rich in Your 30s.”
She recently asked her dad if he had a will.
“We called out the elephant in the room and just said, ‘This might feel a little awkward,’” she says. That comment broke the ice and made everyone laugh, and then they had a productive conversation about his retirement plans.
Try giving siblings and other involved family members a heads up before broaching a heavy topic together, says Elaine Swann, a San Diego, California-based etiquette expert and author of the etiquette guide “Let Crazy Be Crazy.”
She warns against springing a conversation about estate planning on siblings or family members.
“If you have a group family text, bring up the fact that you want to have a conversation,” she says, then pick a mutually-convenient time. That way, they can be physically and mentally prepared.
You’re going on vacation together as an extended family
Have a conversation about vacation cost-sharing during the planning process of the trip, Casey says. If you are offering to host and pay for one element but not another, spell that out, he adds. And if you know a financially-strained family member can contribute in another way, such as cooking, discuss those contributions in advance, too.
Similarly, at a group dinner, it’s helpful to talk about splitting the bill before placing orders, Swann says.
“There’s nothing wrong with saying, ‘Hey, how would you like to split the bill?’ Have the conversation beforehand so it’s less awkward and you can sit back and enjoy the meal,” she says.
You’re going through a difficult financial period
“It’s OK to put a boundary in place,” says Wasserman. “You can say, ‘Right now I’m working through financial issues and I have the support I need, but I appreciate your love and support.'”
Family members often want to make sure you’re OK or at least have a plan in place. “They want to see you are handling it. That is just reassuring to people who love you.”
If you don’t want to talk about your situation, Swann suggests being blunt.
“That’s not something I want to talk about. So anyway, how was your vacation this year?” is a script that helps you firmly pivot to another topic. “Be prepared to shift the conversation,” she says.
Your family members keep asking you for money
If you agree to loan family members money, it should always be in writing, Casey says, including any agreement around when it will be repaid.
If you don’t want to loan family members money, then Cole suggests offering to help in non-financial ways, such as by preparing meals or caring for any pets. You can also be honest about why you’re declining to provide financial assistance.
“We say, ‘We don’t mix family and money in that way,’” Cole says. “That’s our saying, and people understand.”
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Individual retirement accounts (IRAs) are retirement savings accounts that offer certain tax-advantages. Some types of IRAs, including traditional and inherited Roth IRAs, are subject to required minimum distribution (RMD) rules.
What is an RMD on an IRA? In simple terms, it’s a withdrawal you make from an RMD every year once you reach a certain age. RMDs are a way for the IRS to ensure that retirement savers meet their tax obligations. Failing to take distributions when you’re supposed to could result in a tax penalty, so it’s important to know when you must take an RMD on an IRA.
Key Points
• Required minimum distributions (RMDs) are mandatory withdrawals from IRAs that account owners must start taking at age 73, as per IRS rules.
• RMDs apply to traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, and other defined contribution plans.
• The RMD amount account holders need to withdraw is calculated using the IRS Uniform Lifetime or life expectancy tables.
• Failing to take RMDs can result in a 25% excise tax, reduced to 10% if corrected within two years.
• RMDs are taxed as ordinary income, and qualified charitable distributions (QCDs) can be used to reduce tax liability.
Required Minimum Distribution (RMD) Definition
A required minimum distribution is an amount you need to withdraw from an IRA account each year once you turn 73. (In 2023 the SECURE 2.0 Act increased the age that individuals had to start taking RMDs to age 73 for those who reach 72 in 2023 or later.) You can take out more than the minimum amount with an RMD, but you must withdraw at least the minimum to avoid an IRS tax penalty.
The minimum amount you need to withdraw when taking an RMD is based on specific IRS calculations (see more about that below).
Special Considerations for RMDs
RMD rules apply to multiple types of retirement accounts. You’re subject to RMDs if you have any of the following:
• Traditional IRA
• SEP IRA
• SIMPLE IRA
• 401(k) plan
• 403(b) plan
• 457(b) plan
• Profit-sharing plan
• Other defined contribution plans
• Inherited IRAs
You must calculate RMDs for each account separately.
Failing to take RMD distributions from IRAs or other eligible investment accounts on time can be costly. The SECURE 2.0 Act allows the IRS to assess a 25% excise tax on the amount you failed to withdraw. That penalty might drop to 10% if the RMD is properly corrected within two years.
Why Do You Have to Take an RMD?
The IRS imposes RMD rules on IRAs and other retirement accounts to prevent savers from deferring taxes on earnings indefinitely. Here’s how it works.
Roth IRAs generally don’t have RMDs. When you make contributions to a Roth account you use after-tax dollars — in other words, you’ve already paid taxes on that money. So you don’t have to pay taxes again when you make qualified withdrawals in retirement. However, if you inherit a Roth IRA, you will be required to take RMDs.
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RMDs for Roth and Traditional IRAs
When you open an IRA, you will typically choose between a Roth IRA or traditional IRA. There are differences between them when it comes to RMDs. Traditional IRAs are always subject to RMD rules. If you contribute to a traditional IRA, whether you max out the annual contribution limit or not, you can expect to take RMDs from your account later. RMD rules also apply when you inherit a traditional IRA.
Are there RMDs on Roth IRA accounts? No, if you’re making original contributions to a Roth IRA that you own. But you will need to take RMDs if you inherit a Roth IRA from someone else.
The IRS determines when you must take distributions from an inherited Roth IRA. The timing depends on whether the person you inherited a Roth IRA from was your spouse and whether they died before 2020 or in 2020 or later.
If you inherit an IRA from a spouse who passed away before 2020, you may:
• Keep the account as your own, taking RMDs based on your life expectancy, or follow the 5-year rule, meaning you generally fully withdraw the account balance by the end of the 5th year following the year of death of the account holder
OR
• Roll over the account to your own IRA
If you inherit an IRA from a spouse who passed away in 2020 or later, you may:
• Keep the account as your own, taking RMDs based on your life expectancy, delay beginning distributions until the spouse would have turned 72, or follow the 10-year rule, generally fully withdrawing the account balance by the end of the 10th year following the year of death of the account owner
OR
• Roll over the account to your own IRA
If you inherit an IRA from someone who is not your spouse and who passed away before 2020, you may:
• Take distributions based on your own life expectancy beginning the end of the year following the year of death
OR
• Follow the 5-year rule
If you inherited an IRA from someone who is not your spouse and who passed away in 2020 or later and you are a designated beneficiary, you may:
• Follow the 10-year rule
IRA withdrawal rules for inherited IRAs can be tricky so if you know that someone has named you as their IRA beneficiary, you may find it helpful to discuss potential tax implications with a financial advisor.
How To Calculate RMDs on an IRA
To calculate RMDs on an IRA, you divide the balance of your account on December 31 of the prior year by the appropriate life expectancy factor set by the IRS. The IRS publishes life expectancy tables for RMDs in Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs). You choose the life expectancy table that applies to your situation.
IRA Required Minimum Distribution Table Example
The IRS uses the Uniform Lifetime Table to determine RMDs for people who are:
• Unmarried account owners
• Married IRA owners whose spouses aren’t more than 10 years younger
• Married IRA owners whose spouses are not the sole beneficiaries of their account
Here’s how RMD distributions break down.
Age
Distribution Period (Years)
Age
Distribution Period (Years)
72
27.4
97
7.8
73
26.5
98
7.3
74
25.5
99
6.8
75
24.6
100
6.4
76
23.7
101
6.0
77
22.9
102
5.6
78
22.0
103
5.2
79
21.1
104
4.9
80
20.2
105
4.6
81
19.4
106
4.3
82
18.5
107
4.1
83
17.7
108
3.9
84
16.8
109
3.7
85
16.0
110
3.5
86
15.2
111
3.4
87
14.4
112
3.3
88
13.7
113
3.1
89
12.9
114
3.0
90
12.2
115
2.9
91
11.5
116
2.8
92
10.8
117
2.7
93
10.1
118
2.5
94
9.5
119
2.3
95
8.9
120 and over
2.0
96
8.4
Source: IRS Uniform Lifetime Table
And here’s an example of how you might use this table to calculate RMDs on an IRA.
Assume that you’re 75 years old and have $1 million in your IRA as of last December 31. You find your distribution period on the chart, which is 24.6, then divide your IRA balance by that number.
$1 million/24.6 = $40,650 RMD
You’ll need to recalculate your RMDs each year, based on the new balance in your IRA and your life expectancy factor. You can use an online calculator to figure out RMD on an IRA annually.
Withdrawing Required Minimum Distribution From an IRA
There are two deadlines to know when making RMDs from an IRA: when distributions must begin and when you must complete distributions for the year. The SECURE 2.0 Act introduced some changes to the timing of RMD withdrawals from an IRA.
When Do RMDs Start?
Beginning in 2023, the minimum age at which you must begin taking RMDs rose to 73 (that’s the same age you must begin taking RMDs for 401(k)s, in case you are wondering). The deadline for the very first RMD you’re required to make when you turn 73, is April 1 of the following year. So, if you turned 73 in 2025, then your first RMD would be due no later than April 1, 2026.
Once you make your first RMD, all other RMDs after that are due by December 31 each year. So, using the example above, if you make your first RMD on April 1, 2026, then you’d need to make your second RMD by December 31 of that same year to avoid a tax penalty. Just keep in mind that taking two RMDs in one year could increase your tax burden for the year.
Qualified Charitable Distributions (QCDs)
Qualified charitable distributions (QCDs) are amounts you contribute to an eligible charity from your IRA. QCDs are tax-free and count toward your annual RMD amount, and you can contribute up to $100,000 per year. Using your IRA to make QCDs can lower the amount of tax you have to pay while supporting a worthy cause.
For a distribution to count as a QCD, it must be made directly from your IRA to an eligible charity. You can’t withdraw funds from your IRA to your bank account and then use the money to write a check to your favorite charity.
Note that QCDs are not tax-deductible on Schedule A, the way that other charitable donations are.
How RMDs Are Taxed
RMDs are taxed as ordinary income, assuming that all of the contributions you made were tax-deductible. If you have a traditional IRA, your RMDs would be taxed according to whichever bracket you fall into at the time the withdrawals are made.
With an inherited Roth IRA, withdrawals of original contributions are tax-free. Most withdrawals of earnings from an inherited Roth IRA are also tax-free unless the account is less than five years old at the time of the distribution.
The Takeaway
The IRS requires you to take RMDs on certain types of IRAs, including traditional IRAs and inherited Roth IRAs. Knowing at what age you’re required to take money from an IRA and your deadline for withdrawing it can help you plan ahead and avoid a potentially steep tax penalty.
In general, coming up with a financial plan for your future can help you work toward your retirement goals. You can consider different options for saving and investing, including IRAs, 401(k)s, or other types of savings or investment vehicles, to help determine the best fit for your money.
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FAQ
What happens if you don’t take RMDs from an IRA?
Failing to take an RMD from an IRA on time can result in a tax penalty. The current penalty is generally a 25% excise tax, assessed against the amount you were required to withdraw.
Do you have to take your IRA RMD if you are still working?
You do have to take RMDs from an IRA even if you’re still working. It’s worth noting that the IRS does typically allow you to defer RMDs from a 401(k) while you’re working — however, that rule doesn’t extend to IRAs.
Are you required to use IRA RMD money for specific purposes?
You can use RMDs money in any way that you like. Some common uses for IRA RMDs include medical expenses, home repairs, and day-to-day costs. You can also use IRA RMDs to make qualified charitable donations (QCD), which could minimize some of the tax you might owe. QCDs must be made directly from your IRA to the charity.
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