Hanover Mortgages

Apache is functioning normally

November 6, 2024 by Brett Tams

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

Your credit score tells banks, lenders, landlords and even some employers a lot about your financial situation and responsibility. But, according to TransUnion®, 45 million Americans are either credit underserved or credit unserved, meaning they lack a credit history and a credit score. If you’re one of them, figuring out how to start building credit for the first time is essential. Below, we explore a few credit-building strategies you may want to use.

Key takeaways:

Your credit score acts as a snapshot of your financial health and helps lenders, landlords and even some employers to decide if they want to work with you.
Becoming an authorized user or opening your own credit card can help you build your credit history and improve your credit score over time.
Checking your credit report with each of the three credit bureaus can help you understand where you stand and make smarter financial decisions.

1. Understand the basics of credit

Before you can start building good credit, you need to understand the basics of credit and how it works. Credit refers to any loan or credit card that you may take out. It represents a promise between you and your chosen lender or credit card provider. They promise to lend you money or give you a credit card, and in exchange, you agree to repay what you borrow.

When you make payments on time and in full, you’ll build your credit history and start to see your credit score go up. There are different types of credit scores, but the most common one is the FICO® credit score.

The FICO scoring system looks at your payment history, how much debt you have, how much you’re charging on credit cards relative to the credit limit (known as your credit utilization) and other similar factors. Your lenders and credit card issuers should report this information to the three main credit bureaus during each billing cycle.

When you’re on top of your payments and aren’t maxing out your cards, you’ll likely build good credit. If you’re late consistently or miss payments, max out your credit cards or borrow more than you can afford to repay, your credit score could drop.

Once you understand the basics of credit, you can start building your credit history and improving your credit score.

2. Apply for a starter credit card

Starter credit cards are designed for individuals with poor credit histories or no credit histories, and they’re available from most banks and credit unions. These cards typically have low credit limits, making it harder for you to borrow more than you can afford to repay.

Some starter credit cards may be secured credit cards. These cards are backed by a cash deposit that you make and have a credit limit equal to that deposit amount. If you make payments on time and in full, you can keep using your credit card without issue. If you miss a payment or can’t repay the credit card, your security deposit will cover it. Keep in mind that you’ll still be charged interest on those late or missed payments, and if you carry a balance from month to month, you’ll be charged interest, too. This fee can add up over time.

These cards can be easy to qualify for, even if you don’t have a credit score. However, their low limits may make it hard to use them for bigger purchases.

If you’re still a student, you may be able to qualify for a student credit card. These cards are often unsecured credit cards, so you won’t have to make a cash deposit. But the credit limit you’re eligible for may be small as well.

3. Become an authorized user

If you don’t want to take on a credit card of your own or you don’t qualify for one, you could ask a trusted friend or family member to make you an authorized user on their credit card. As an authorized user, you can make purchases and build your credit score on a card someone else qualified for. Ultimately, the credit card owner (your friend or family member) is responsible for making monthly payments, so you’ll need to work out an agreement on how you’ll repay them for what you purchase.

The benefit of becoming an authorized user is that you’ll still build your credit score over time without having to take on a credit card of your own. However, your credit score could take a hit if the primary cardholder misses payments or maxes the card out.

4. Take out a credit-builder loan

If you don’t have a proven credit history, you may be able to use a credit builder loan to build your credit. These are small loans designed to help you establish a credit history by making regular on-time payments until you repay the loan in full.

Unlike traditional loans, you won’t receive the money you borrow upfront. Instead, your lender (typically your bank or credit union) will deposit the money in a savings account. Once you repay the loan in full, you’ll gain access to the money in that account and can use it however you see fit.

These loans can have lower rates than credit-building credit cards, making them ideal for borrowers who want to avoid high interest payments.

5. Use credit responsibly

Using credit responsibly can help you create a strong credit history and improve your credit score over time.

Here’s how you can become a responsible credit user:

Strengthen credit history

Establishing or strengthening your credit history is the first step in using your credit responsibly, and the easiest way to do that is to pay bills on time and in full each month. To stay on top of payments, enroll in autopay whenever possible and let your credit card company, lender or other service provider debit the payment out of your bank account automatically.

Worried about spending more than you should? Limit what you use your credit card for. For example, you could use your credit card to pay for a streaming service and set up autopay for that one bill. This will help you pay the card off in full without putting you at risk of spending more than you should.

Keep your credit utilization low

Your credit utilization ratio refers to the amount of credit you’re using on your card relative to the card’s limit. By keeping it low and not maxing out your cards, you’ll strengthen your credit history over time. Most financial experts recommend keeping your credit utilization ratio below 30 percent.

Try committing to only using your card for purchases you know you can repay in full and have already budgeted for, like the streaming service mentioned above. Once you have a history of making on-time payments, you can ask your credit card issuer for a credit limit increase. The higher your credit limit is and the smaller your outstanding balance is, the lower your credit utilization will be.

Mix up your credit types

Credit mix plays an important role in your credit score and your credit history. Rather than just taking on a number of credit cards, you may find it beneficial to apply for other types of credit. Personal loans, auto loans and credit-builder loans can all improve your credit mix.

Credit cards are considered revolving debt that you can use and repay until you close the card. Personal loans, auto loans and credit-builder loans are types of installment loans that let you make set payments each month until the end of the loan’s term or until you repay the loan in full. Having a combination of the two types may boost your credit score.

6. Look for alternative ways to build credit

Here are a few alternative ways to build credit if taking on a new loan or opening a credit card doesn’t meet your needs.

Add alternative data to your credit profile

Credit bureaus are willing to consider alternative credit data when determining your credit score and establishing your credit history. You may be able to add utilities, rent payments, cell phone bill payments and other recurring expenses to your credit profile.

As long as you make payments on time and your utility provider, landlord or cell phone company reports those on-time payments to the credit bureaus, you’ll build your credit history and boost your score over time.

Consider cash-flow underwritten credit cards

These credit cards let you charge certain monthly bills like streaming services, internet bills and other similar services without having to undergo a credit check. The card issuer will instead look at your total income and bank account activity to determine if you’re eligible for the card and how much they’re willing to lend you.

As you make payments on time, the card issuer reports those payments to the credit bureaus, helping you establish your credit history.

Qualify based on foreign credit history

If you recently immigrated to the United States, you won’t have an established credit history in the country. However, if you have a strong credit history in your home country, you may be able to use that history to qualify for loans or credit cards.

Once you start making payments and using your lines of credit or loans responsibly, you’ll build your credit history in the United States. It’s a way to put your good financial habits to work in your new home. Major credit card issuers like Chase, Capital One and American Express all issue cards to qualifying immigrants.

7. Monitor your credit regularly

Get in the habit of checking your credit score and your credit report regularly. This will help you monitor your score over time and track your improvements. If you have a bad credit score and keep working on your financial habits, you’ll be able to track your progress and see improvements so you can stay motivated.

Tools like Credit.com make it easy to check and monitor your credit score for free. AnnualCreditReport.com lets you check your credit report from each of the three major credit bureaus for free on a regular basis, so you can monitor your report for errors. If you find any errors, you can dispute them with the credit bureaus. If those errors are fixed, your score might go up.

Ready to start building your credit?

Figuring out how to start building credit for the first time can feel overwhelming, but as long as you keep these strategies in mind, you’ll be well on your way to establishing a good score. For a view of where you stand, get your free credit assessment today to see your credit score and a short summary of your credit report.

Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.

Source: lexingtonlaw.com

Apache is functioning normally

November 6, 2024 by Brett Tams

Reader Ray noticed that Chase is showing a decrease in the bonus for someone who refers a friend to a Southwest credit card. The change is coming in 2025 and will decrease the bonus from 25,000 points to 20,000 points per referral. The annual limit will remain at 100,000 referral points possible to earn per card.

Source: doctorofcredit.com

Apache is functioning normally

November 6, 2024 by Brett Tams

Anchorage, often called the “Gateway to the Last Frontier,” is a city of breathtaking landscapes and outdoor adventure. With its stunning mountain views, abundant wildlife, and a unique mix of urban amenities and rugged charm, it’s no wonder that many people dream of calling Anchorage home. However, life in this Alaskan city comes with its own set of challenges. So whether you’re looking for a cozy apartment in Anchorage or a modern apartment in downtown Anchorage, you’ve come to the right place.

In this ApartmentGuide article, we’ll explore the various pros and cons of living in Anchorage, helping you decide if this northern city is the right place for you.

Fast facts about living in Anchorage

Known for: Stunning landscapes, proximity to wildlife, and outdoor adventure opportunities
Fun fact: Anchorage has nearly 24 hours of daylight in summer and extended darkness in winter
Population: Over 290,000 residents
Average rent: $1,412 per month for a one-bedroom apartment
Median home sale price: $420,000
Public parks: Over 223, including the expansive Kincaid Park
Languages spoken: Predominantly English, with a significant Alaska Native language presence
Proximity to Denali National Park: About 240 miles north
Restaurants: A variety of local dining options, with a focus on fresh seafood and Alaskan specialties

1. Pro: Spectacular natural beauty

Anchorage is surrounded by awe-inspiring natural landscapes. From the Chugach Mountains to the scenic coastlines and sprawling forests, residents enjoy easy access to Alaska’s rugged beauty. Wildlife such as moose, eagles, and even bears can often be seen right in town, and the city is within reach of stunning national parks and nature reserves.

Popular outdoor recreation areas in Anchorage

Kincaid Park
Chugach State Park
Tony Knowles Coastal Trail
Flattop Mountain Trail
Far North Bicentennial Park

2. Con: High cost of living

The cost of living in Anchorage is 25% higher than the national average, driven by the unique challenges of Alaska’s remote location. Daily expenses, particularly for housing and groceries, are more costly due to shipping and transportation needs. The median sale price for a home in Anchorage is $420,000, and rent for a one-bedroom apartment in Anchorage is $1,412 per month. Groceries and dining out also carry a premium, with basic goods often costing significantly more than in the lower 48 states.

Additionally, utility costs are substantial, especially in winter when heating bills rise. Healthcare is 45% more expensive than average, and with limited public transportation, residents often rely on personal vehicles, adding to monthly costs. While Anchorage offers a quality lifestyle with access to stunning natural surroundings, the high cost of living can make it challenging to balance finances and manage discretionary spending for many residents.

3. Pro: Strong sense of community

Anchorage residents share a unique bond, with a strong sense of community that comes from living in an isolated, rugged environment. Alaskans are known for being friendly, resilient, and resourceful. Anchorage hosts numerous community events, festivals, and markets that bring people together, fostering connections among residents and celebrating Alaskan culture.

4. Con: Extreme winter conditions

Anchorage winters are long, dark, and cold. Temperatures can drop well below freezing, and snowfall is frequent. The city experiences extended periods of darkness in winter, with only a few hours of daylight per day at the peak of the season. These conditions can be challenging for those unaccustomed to cold weather and limited sunlight, sometimes leading to seasonal affective disorder (SAD).

5. Pro: Outdoor recreation opportunities

Anchorage is a paradise for outdoor enthusiasts. With hundreds of miles of trails and easy access to hiking, skiing, fishing, and kayaking, there’s no shortage of outdoor activities. The nearby Chugach State Park and countless other natural areas offer opportunities for adventure year-round, making Anchorage ideal for those who love being active in nature.

6. Con: High transportation costs

With limited public transportation options, most residents rely on personal vehicles, which can be expensive to maintain due to harsh weather conditions and rugged roads. Fuel prices are typically higher than the national average, and winter vehicle maintenance, including snow tires and regular repairs, adds to the cost of owning a car in Anchorage.

Anchorage’s transportation scores

Walk score: 31
Transit score: 22
Bike score: 52

Looking for a walkable spot in Anchorage? Check out The 10 Most Walkable Neighborhoods in Anchorage, AK to find neighborhoods that make getting around a breeze.

7. Pro: Unique cultural experiences

Anchorage offers a blend of cultures, influenced by Alaska Native heritage, outdoor lifestyle, and the rugged history of the Last Frontier. Museums such as the Alaska Native Heritage Center provide insight into the region’s Indigenous cultures, while local festivals celebrate everything from the Iditarod sled dog race to the Anchorage Fur Rendezvous winter festival. This diversity adds richness to life in Anchorage.

8. Con: Limited job market diversity

Anchorage’s job market is somewhat limited, relying heavily on industries such as oil, tourism, healthcare, and government. Those seeking jobs in other fields may find fewer opportunities. Additionally, seasonal work is common, particularly in tourism and outdoor recreation, which may lead to job fluctuations depending on the time of year.

Top employers in Anchorage

Providence Alaska Medical Center
Alaska Native Tribal Health Consortium
BP Exploration Alaska
Alaska Airlines
Anchorage School District

9. Pro: Low taxes

Alaska is one of the few states with no state income tax or sales tax, making Anchorage appealing for those seeking to save on taxes. Additionally, Alaska residents receive an annual Permanent Fund Dividend (PFD), which is a payout from state oil revenues, providing an additional financial benefit to those who live in the state for more than a year.

10. Con: Limited access to goods and services

Due to its remote location, Anchorage has limited access to certain goods and services, and imported items often come with a higher price tag. Shipping delays and shortages are not uncommon, particularly for specialty goods and products not manufactured in Alaska. This can be inconvenient for those accustomed to quick and affordable access to a wide range of goods.

11. Pro: Abundant wildlife viewing

One of the unique aspects of living in Anchorage is the chance to see wildlife up close. Moose often wander into neighborhoods, eagles soar overhead, and salmon can be seen spawning in local rivers. For those interested in wildlife, Anchorage offers a rare opportunity to experience animals in their natural habitat right in the city.

12. Con: Isolation from the lower 48 states

Living in Anchorage means being geographically isolated from the rest of the U.S. Travel to and from Alaska can be time-consuming and expensive, with few direct flights to major cities. This isolation can make it challenging to visit with individuals in other states or receive support for certain services and resources that are more easily accessible elsewhere.

13. Pro: Quality healthcare

Anchorage has several well-regarded healthcare facilities, including Providence Alaska Medical Center, the largest hospital in the state. Residents have access to specialized medical services, which is a benefit in a remote region like Alaska. Additionally, Anchorage serves as a medical hub for much of the state, meaning quality healthcare is more accessible here than in many other parts of Alaska.

14. Con: Limited nightlife and entertainment

For those who enjoy a bustling nightlife, Anchorage might feel limited. While the city has a selection of restaurants, bars, and theaters, the options are fewer compared to larger cities in the lower 48 states. Many residents instead find entertainment in outdoor activities, festivals, and community events, but those seeking a more active nightlife scene may need to adjust their expectations.

Pros & cons of living in Anchorage, AK (Summary)

Pro: Spectacular natural beauty
Con: High cost of living
Pro: Strong sense of community
Con: Extreme winter conditions
Pro: Outdoor recreation opportunities
Con: High transportation costs
Pro: Unique cultural experiences
Con: Limited job market diversity
Pro: Low taxes
Con: Limited access to goods and services
Pro: Abundant wildlife viewing
Con: Isolation from the lower 48 states
Pro: Quality healthcare
Con: Limited nightlife and entertainment

Apache is functioning normally

November 6, 2024 by Brett Tams

Are you looking for the best winter side hustles? Winter can be a great time to pick up a side hustle and make extra money. As the temperatures drop, you might find yourself with more free time and the perfect chance to earn income. Or, perhaps you’re looking for winter side hustles so that you…

Are you looking for the best winter side hustles?

Winter can be a great time to pick up a side hustle and make extra money. As the temperatures drop, you might find yourself with more free time and the perfect chance to earn income.

Or, perhaps you’re looking for winter side hustles so that you can put money toward the holiday season.

Whatever your reason is, finding the right winter side hustle can bring in extra cash and make the most of your time.

Best Winter Side Hustles

Below are the best winter side hustles.

1. Snow removal

Snow removal is a great way to make extra money in the winter. When snow covers everything, people need help clearing their driveways, sidewalks, and even their roofs. You can offer to shovel snow or use a snow blower.

It’s a service that many people will pay for, especially after heavy snowfall.

You don’t need much to start and to find potential clients. Basic tools like a sturdy shovel, warm clothes, and maybe a snow blower will do. A snow blower can be a good investment if you plan to help a lot of people. It makes the job faster and easier, which means you can help more customers.

2. Sell printables on Etsy

Selling printables on Etsy is a great way to make extra money during the winter. Printables are digital files that buyers can download and print at home. This side hustle is perfect if you want to work from home and set your own hours.

You can design things like planners, calendars, art prints, or even holiday-themed items. If you enjoy being creative, this could be a perfect fit for you.

You don’t need a lot of experience to get started. There are many online tutorials to help you learn how to design and list your printables.

Selling printables allows you to earn passive income. Once you upload your designs, they can be sold over and over without any extra work. It’s a great way to make money while you sleep!

You can learn more at How I Make Money Selling Printables On Etsy.

Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.

3. Selling handmade crafts

Winter is a great time to make and sell handmade crafts. People love cozy and unique items during the colder months. Plus, handmade gifts are perfect for holidays.

You can knit scarves, hats, and mittens. These items are always in demand. You can also make holiday ornaments and decorations.

If you enjoy making crafts, you can sell them online. Websites like Etsy make it easy to reach buyers. Another option is to showcase your products at local holiday markets in a booth. These events are popular in winter.

4. Paid online surveys

Paid online surveys are a great way to make extra money during the winter. Many websites pay you for sharing your opinions. It’s simple, and you can do it from the comfort of your home.

Paid online surveys might not make you rich, but they are a fun and easy way to earn some extra money.

The survey companies I recommend signing up for include:

Prime Opinion
Swagbucks
Branded Surveys
Five Surveys
PrizeRebel
American Consumer Opinion
Survey Junkie
InboxDollars

I’ve done lots of surveys over the years and have earned over 100 free gift cards. What I like about them is that you can do them whenever you want – in the morning, at lunchtime, or before bed. You don’t need to follow a strict schedule, and they’re really easy to do.

5. Freelance writing

Freelance writing is a great side hustle in the winter. If you like writing, this might be perfect for you because you can work from home and stay warm in the winter!

As a freelance writer, you can write many things. This includes blog posts, articles, and even short stories. You get paid by the word or by the project.

I have been a freelance writer for years, and I love how flexible this side hustle is. You can take on as many or as few writing projects as you’d like, which can be great if you are looking for a way to make extra income only in the winter.

6. Pet sitting

Pet sitting is a great way to make money during the winter. You get to stay inside and be warm while taking care of pets.

Many people travel during the holidays so they need someone to look after their furry friends. This is where you come in!

Pet sitters might feed cats, walk dogs, or even cuddle them. Pet owners will pay you to make sure their pets are happy and safe.

There are apps like Rover that can help you get started. These apps let you find pet sitting gigs easily. You just create a profile, and people can hire you. Or, you can even put up flyers on a local bulletin board (such as at a grocery store or community center near you).

7. Virtual assistant

Becoming a virtual assistant is a great side hustle to start this winter. As a virtual assistant, you can work from the comfort of your home, helping businesses or busy individuals with different tasks.

You might handle scheduling, email management, social media, or even simple bookkeeping tasks. This role is very flexible, and you can choose how many hours you work each week.

If you are organized and good at multitasking, this job could be a perfect fit for you. Many people are looking for help with their daily tasks, and you could be the one to assist them.

The pay for virtual assistants can vary. Some earn an hourly rate, while others might charge per task or project. On average, virtual assistants can earn between $15 and $30 an hour, depending on their skills and experience.

8. Renting out winter gear

Winter is a great time to make money by renting out gear like skis, snowboards, and sleds. Many people want to enjoy winter sports, but buying new gear can be expensive.

If you already own winter gear, renting it out can bring in extra cash. People often look for affordable ways to enjoy winter activities without spending a lot on new equipment.

Make sure your gear is in good condition, and this may mean that you clean it and check for any damage. This way, your renters will have a good experience and might come back next season.

9. House sitting

House sitting is a great winter side hustle. Many people travel during the cold months, leaving their homes empty so they need someone to watch over their house while they are away.

A house sitter’s main job is to keep the house safe. They might need to water plants, collect mail, and sometimes care for pets. It’s pretty easy and can be quite relaxing.

You can find house sitting gigs through websites like Rover or local community boards. Some people even turn this into a regular side job, bouncing from house to house.

10. Online tutoring

Online tutoring is a great way to make extra money during the winter. You can teach kids or adults in different subjects.

Many platforms let you choose your own rates and hours, so you can work when it suits you. Plus, some parents like to fit in extra tutoring during the winter months because there are a lot more days off from school, and they don’t want their child to fall behind.

11. Catering for holiday events

Catering for holiday events can be a great way to make extra money in the winter. Many companies and families throw parties during the holiday season. They need people to help prepare food, serve meals, and clean up after the events.

A typical catering shift can last anywhere from 7 to 10 hours. This means you can earn a good amount of money in just one day.

Catering jobs can be found through local catering companies, event planning services, or online job boards. It can be a flexible side hustle that fits around your other commitments. Some events might be on weekends or evenings, which is perfect if you have a day job.

12. Blogging

Blogging can be a great winter side hustle. You can start a blog right from your home, making it perfect for cold days.

For me, I worked on my blog as a side hustle for a couple of years before it became my full-time job. And in the winter, I would typically take some extra days off around the holidays so that I could use all of my vacation days at the end of the year, and I would use those “off” days for working on my blog as a side hustle!

I have free training that you can take – How To Start A Blog FREE Course. Want to see how I built a $5,000,000 blog? In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.

13. Holiday decorating

Holiday decorating can be a fun and profitable winter side hustle. Many people love the festive look during the holiday season but don’t have the time or skills to decorate.

You can offer your services to decorate homes, businesses, or event spaces. You get to play with lights, tinsel, and ornaments to create a magical atmosphere.

Word of mouth is extremely important and helpful with this type of side hustle, so make sure that you are providing a high-quality service where you get repeat customers!

14. Dropshipping winter products

Dropshipping is a great way to make money without having to keep inventory. You can sell winter products that people need when it’s cold.

Thermal clothes are a must-have. They help people stay warm and are very popular in the winter. Jackets, gloves, and scarves are also useful items you can offer.

Another great idea is selling foot warmers and coffee thermal cups. These are small but very handy. People love them on chilly mornings. Beanies and winter hats for children are also items that parents often look for during winter.

15. Christmas tree lot

Working at a Christmas tree lot is a fun way to make extra money during the holiday season.

You’ll help families in finding the perfect tree, wrap it up, and load it into their cars. The job also includes tasks like setting up displays, trimming branches, and keeping the lot neat and tidy.

Christmas tree lots typically start popping up in November and last through Christmas.

16. Ski instructor

Becoming a ski instructor can be a fun way to make money in the winter. You get to enjoy the snowy mountains while helping others learn how to ski.

If you are good at skiing and like working with people, this could be a great side hustle. Ski instructors often get paid around $20 to $30 per hour and get benefits like free lift passes.

This side hustle is especially common in areas with big ski resorts. If you live near one or can travel, it might be the perfect winter job for you.

17. Babysit

Babysitting is a great winter side hustle for many reasons, such as parents may need help during the holiday season. They have parties to attend, shopping to do, and sometimes just want a night out.

Babysitting can be a flexible job. You can work around your schedule. If you are a student, you can babysit after classes. On weekends, you can take on more hours.

18. Greeting card making

Greeting card making is a fun and crafty side hustle, perfect for winter and having a flexible side hustle. You can create custom cards for holidays, birthdays, or special occasions.

To get started, you need some supplies like cardstock, markers, and decorations. You can find these at craft stores or online.

Once you have your supplies, start designing your cards. You can draw, paint, or even use a computer program to create your designs. Add some thoughtful messages inside to make them special.

Selling your cards can be easy too. You can sell them online on online platforms like Etsy or at local craft fairs and markets. It’s a great way to reach people who love handmade items.

I actually love buying custom greeting cards, and I just bought one for my husband for a holiday. I bought it on Etsy and I love how it’s a card that I was able to customize just for him.

19. Mail delivery

Companies like UPS and FedEx hire thousands of extra workers during the winter months so that they can stay on top of holiday orders.

This can be a great place to look for a winter side job!

20. Seasonal retail jobs

During the winter, stores get super busy, especially around the holidays. This is when many shops need extra help. Seasonal retail jobs can be a great way for you to make some extra money.

Many stores offer flexible hours, so you can work part-time. This makes it easier if you have other commitments, like school or another job.

Many retailers start hiring for seasonal positions in September or October. It’s a good idea to apply early if you’re interested.

21. Work one-time gigs on Craigslist

If you don’t want a permanent side hustle, working one-time gigs might be perfect for you. Craigslist has a section just for these gigs. You can find work that fits your schedule.

One of the great things about these gigs is that you often get paid right after you finish the job. This can be really helpful, especially around the holidays.

There are many different types of one-time gigs on Craigslist. For example, you might find jobs like removing yard debris, cleaning houses, or moving big plants.

22. Winter photography

Family photography can be a great side hustle in the winter.

Many families like to get together during the winter months, which means that they also like to take family photos since everyone is in one place.

You can host short photo sessions called mini-sessions, lasting from 20 to 45 minutes. These are popular because they’re quick yet capture great moments, and they’re affordable for families.

Recommended reading: 18 Ways To Get Paid To Take Pictures

23. Firewood delivery

Firewood delivery can be a great way to earn extra money in the winter.

People with fireplaces and wood-burning stoves need a steady supply of firewood. You can sell bundles or full cords of wood straight to their doorsteps.

24. Gift wrapping

Gift wrapping is a great winter side hustle that you can do from home. Many people have a hard time making their presents look perfect, and they may not have the time or skill to wrap gifts beautifully.

During the holiday season, there is high demand for gift wrapping services. People buy gifts for Christmas, Hanukkah, and other celebrations. You can offer your services to family, friends, and neighbors. You can also advertise online or on community boards.

You don’t need many supplies to get started, and you most likely just need to buy some wrapping paper, ribbons, and bows. You might also need tape, scissors, and gift tags. You can find these items at local stores or online.

Frequently Asked Questions

Below are answers to common questions about how to find winter side hustles.

How to make extra cash in the winter?

You can make extra cash in the winter by removing snow for neighbors, selling printables on Etsy, or creating handmade crafts to sell online. Paid online surveys and freelance writing are also great indoor options. These activities can add up and give you a nice income boost during the cold months of the winter.

What are some fun ways for kids to earn money during the winter?

Kids can earn money in the winter by shoveling snow for neighbors or setting up a hot cocoa stand. They can also make and sell handmade crafts, like holiday decorations. Pet sitting is another idea, especially for families traveling during the holiday season.

How to make money in the winter as a landscaper?

Landscapers can make money in the winter by selling snow removal services such as shoveling driveways and sidewalks. You can also provide winter preparation services like wrapping plants to protect them from the cold. In addition, putting up and taking down holiday lights for homeowners can be a valuable service during the holiday season.

What are some outdoor winter side hustles?

Outdoor winter side hustles include snow removal and teaching winter sports like skiing or snowboarding. These activities can be both enjoyable and profitable, allowing you to enjoy the winter season while making extra money.

Best Winter Side Hustles – Summary

I hope you enjoyed this article on the best winter side hustles.

Many people look for jobs in the winter, and luckily many businesses are hiring as well!

There are many winter side hustles, such as snow shoveling, selling on Etsy, answering surveys, freelancing, pet sitting, house sitting, holiday decorating services, and finding a part-time job.

What do you think are the best winter side hustles?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

November 6, 2024 by Brett Tams

Virgin Hotels Las Vegas, which is part of the Curio Collection by Hilton, stands out — for better or worse — as a different kind of Vegas experience.

This hotel’s quieter, calmer vibe can appeal to travelers seeking respite from the chaos found at most other hotels on the Las Vegas Strip. But for other travelers, the hotel’s odd location near — but not on — Las Vegas Boulevard might feel like the worst of both worlds: You’re still largely dealing with Vegas Strip traffic and prices, yet you don’t get the benefit of being able to easily walk back to your room after a night on the town.

I visited the hotel in June 2024 as part of a two-night stay for a company event. Given that, I didn’t pay for the room — but my employer did (cash rates were hovering at about $200 per night that week). Even if you’re fronting your own bill, the price you’ll pay can vary widely. On some nights (such as weeknights in the winter), prices hover just over $100. But on peak nights, such as Thanksgiving weekend, room rates can start at close to $700.

Here’s a look at what you can expect at Virgin Hotels Las Vegas and whether this off-Strip property is worth your time (or Hilton Honors points).

(Photo by Sally French)

At about a mile from the heart of the action, Virgin Hotels Las Vegas is neither conveniently walkable nor close enough to offer the quintessential Vegas experience.

If you’re the type who loves popping out of your room and into the chaos of Las Vegas Boulevard, this location may feel inconvenient. Sure, you can grab a rideshare or a cab, but traffic on Las Vegas Boulevard can get backed up, so getting around by car might not be as easy as it sounds, especially during peak hours.

That said, if your Vegas trip includes excursions to off-Strip gems like Meow Wolf’s Omega Mart, the Neon Museum or outdoor adventures at Red Rock Canyon, the location might not be a dealbreaker.

Getting there and parking

(Photo by Sally French)

The hotel is conveniently located near the airport. Assuming no traffic, it’s only about a five-minute drive to Harry Reid International Airport. As is the case with many Las Vegas resorts, there is no dedicated shuttle service.

But if you drive yourself, parking is free. That’s hardly ever the case with other Las Vegas resorts.

The amenities at the Virgin Hotels Las Vegas include pools, a spa, gym, beach club, plus multiple shops, bars and restaurants. Travelers on a short getaway might not even need to leave the grounds to have a full itinerary.

Here’s a look at some of the top amenities offered at Virgin Hotels Las Vegas, Curio Collection by Hilton.

A quiet casino

(Photo by Sally French)

The resort’s 60,000-square-foot casino has 550 slot machines and more than 45 table games. There’s also the Betfred Sportsbook for sports betting.

The casino tends emptier than the ones on the Strip, which can make it feel less exciting. But it’s nice not having to elbow your way to a blackjack table.

A calm pool scene

(Photo by Sally French)

Similar to the casino, the pool area at Virgin Hotels Las Vegas (which consists of four different pools) is typically less crowded than other Vegas resorts’ party-centric pools.

(Photo by Sally French)

The most raucous pool of the Virgin Hotels Las Vegas is Kassi Beach Club, a 21+ venue that’s open only on weekends. DJs play music genres such as tropical house and Top 40 hits, but it has more of a laid-back, pool party vibe.

Bottle service is available, and it’s not cheap. A bottle of Grey Goose will run you $350 at Kassi Beach Club before tax and gratuity. Though, that’s a bargain compared to the roughly $800 you’ll pay for the same bottle at Encore Beach Club at Wynn Las Vegas.

(Photo by Sally French)

Then there’s the main pool, plus two smaller pools called the Terrace Pool and Dish Pool. The latter two tend to close during shoulder season, which isn’t typically a big deal given the main pool doesn’t get too crowded anyway.

(Photo by Sally French)

But on my visit on a weekday in June, temperatures were soaring over 90 degrees and guests couldn’t even use the main pool because someone had thrown up in it. You can’t fault the hotel for that, but it’s the risk of having a single pool in operation at a resort in Las Vegas.

An impressive gym

(Photo by Sally French)

The Virgin Hotels Las Vegas gym is far better equipped than many hotel fitness centers. It includes free weights, cardio machines, and yes — a squat rack (it’s rare to find a hotel gym with a proper squat rack).

(Photo by Sally French)

Dining at Virgin Hotels Las Vegas

There are about a dozen places to eat or drink at Virgin Hotels Las Vegas. Many are chain restaurants, ranging from Dunkin’ to world-renowned Japanese restaurant Nobu.

Other options include a fast casual pizza joint, a juice bar and an open-air Mexican restaurant.

(Photo by Sally French)

Daily food and beverage credits for certain Hilton elites

Hilton Honors members with Gold or Diamond elite status get a daily food and beverage credit, which can be used at any time at some restaurants on-site. To use it, simply charge your food at an eligible restaurant to your room. At the Virgin Hotels Las Vegas, the credit covers up to $15 per guest (up to two) per day. It works at the following restaurants on Virgin Hotels Las Vegas property:

You don’t necessarily need to be a frequent Hilton guest to earn Hilton elite status. Certain Hilton credit cards offer elite status as a benefit simply for holding the card.

Cards that earn Hilton points

Hilton Honors American Express Card

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Aspire Card

The Hilton Honors American Express Business Card

Annual fee

Earning rates

• 7 points per $1 on eligible purchases with a hotel or resort within the Hilton portfolio.

• 5 points per $1 at U.S. restaurants, U.S. supermarkets and U.S. gas stations.

• 3 points per $1 on all other eligible purchases.

Terms apply.

• 12 points per $1 on eligible purchases with a hotel or resort within the Hilton portfolio.

• 6 points per $1 at U.S. restaurants, U.S. supermarkets and U.S. gas stations.

• 4 points per $1 on U.S. online retail purchases.

• 3 points per $1 on all other eligible purchases.

Terms apply.

• 14 points per $1 on eligible purchases with a hotel or resort within the Hilton portfolio.

• 7 points per $1 on flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies.

• 7 points per $1 at U.S. restaurants.

• 3 points per $1 on all other eligible purchases.

Terms apply.

• 12 points per $1 on eligible purchases with a hotel or resort within the Hilton portfolio.

• 5 points per $1 on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3 points per $1 thereafter.

Terms apply.

Other noteworthy benefits (see reviews for full rundown)

• Hilton Honors™ Silver Status, which gives you a 20% bonus on Hilton Honors base points as well as a fifth night free whenever you use points to book five or more nights at a Hilton property.

• Path to Hilton Honors™ Gold Status. Get an upgrade to Gold if you spend $20,000 or more on the card in a calendar year.

Terms apply.

• Hilton Honors™ Gold Status, which gives you an 80% points bonus, as well as complimentary breakfasts at select hotels and room upgrades at select properties where available.

• Path to Hilton Honors™ Diamond Status. Get an upgrade to Diamond if you spend $40,000 or more on the card in a calendar year.

• $200 annual statement credit for eligible Hilton purchases on your card (doled out in $50 statement credits per quarter).

• Potential free night. Earn a weekend night reward after you spend $15,000 on purchases on your card in a calendar year.

Terms apply.

• Hilton Honors™ Diamond Status, which gives you such perks, such as double bonus points on all base points you earn, room upgrades when available, premium Wi-Fi, late checkout and more.

• Free nights. Get one free night reward with the card each year. Earn an additional night after you spend $30,000 on purchases in a calendar year and another after you spend $60,000 in a calendar year.

• Flight credit. Get up to $50 in credit each quarter on flight purchases made directly with an airline or through American Express.

• $200 annual resort credit. Get up to $200 in statement credits semi-annually for eligible purchases at participating Hilton Resorts.

Terms apply.

• Hilton Honors™ Gold Status, which gives you an 80% points bonus, as well as complimentary breakfasts at select hotels and room upgrades at select properties where available.

• Path to Hilton Honors™ Diamond Status. Get an upgrade to Diamond if you spend $40,000 or more on the card in a calendar year.

Terms apply.

Welcome offer

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.

Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.

Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Terms Apply.

Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025. Terms Apply.

Learn more

(Photo by Sally French)

The resort has about 1,500 rooms and suites spread across three towers. Although rooms vary in size and specific amenities, all follow the chic design found at most Virgin hotels. That includes the hotel’s patented “Lounge Bed.”

Here’s a look at a room called the “2 Queens Chamber”:

(Photo by Sally French)

Convenient, modern touches include a JBL bluetooth speaker, plenty of power outlets and a 55” Samsung TV.

(Photo by Sally French)

Rooms feature a makeup vanity, instead of a desk.

(Photo by Sally French)

The closet has an iron, an in-room safe and a separate shelf for shoes.

(Photo by Sally French)

The bathroom is spacious and fairly luxurious with both a rain shower head and a handheld showerhead.

(Photo by Sally French)

Complimentary amenities include custom products by Red Flower.

Is Virgin Hotels Las Vegas pet-friendly?

The hotel offers dog-friendly rooms, but dogs cannot remain unattended in rooms unless locked in a kennel or carrier.

And keep in mind that “dog-friendly” can take on different meanings depending on the hotel. At this hotel, dogs (aside from service dogs) can pass through public areas if on a leash, though they aren’t allowed to linger.

Is the Virgin Hotels Las Vegas worth it?

(Photo by Sally French)

To view rates and fees of the Hilton Honors American Express Card, see this page.

To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page.

To view rates and fees of The Hilton Honors American Express Business Card, see this page.

All information about Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. Hilton Honors American Express Aspire Card is no longer available through NerdWallet.

How to maximize your rewards

Source: nerdwallet.com

Apache is functioning normally

November 6, 2024 by Brett Tams

Refinance applications fell by 6% week-over-week, though it remained 84% higher than the same time last year. Refinances now make up just 43.1% of mortgage applications, down from 45.7% the previous week. Meanwhile, the purchase market saw a slight boost, with the seasonally adjusted purchase applications up by 5%, marking a 10% increase compared to … [Read more…]

Apache is functioning normally

November 6, 2024 by Brett Tams

Are you an introvert in search of the perfect job environment? Introverts typically focus on internal feelings rather than external stimuli and need alone time to thrive. Introverts often have excellent listening skills, avoid conflict, take time making decisions, prefer to work alone, and feel drained after being in a crowd.

A part-time remote job can be a good move for introverts. We’ll dive into a list of flexible remote jobs, the pros and cons of each, and how to evaluate remote job opportunities.

Key Points

• Increased productivity and improved work-life balance are significant benefits of remote work.

• Remote work can offer introverts the opportunity to earn supplemental income while maintaining a flexible schedule.

• Potential downsides include reduced social interaction and teamwork opportunities.

• Part-time remote jobs like bookkeeping and online tutoring are ideal for introverts.

• It’s a good idea to thoroughly evaluate remote job opportunities before applying.

What Are Flexible Remote Jobs?

The most basic definition of a flexible remote job is one that allows you to work from home instead of from a traditional office. However, there are some variations on remote work.

Some positions are 100% remote, which means you work from home every day. You do not need to be in an office at all or travel for your job. Hybrid remote jobs are partially remote, which means you may need to travel or spend time in the office for some of your working hours.

Finally, you might have the “option” of remote work. Some employers offer the option to either work from home or go into the office.

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Pros and Cons of Getting a Remote Job

There are both pros and cons to getting a remote job. Let’s take a look at them.

Pros:

• Higher productivity: Remote employees are often more productive because they can get more work done in a quieter working environment with fewer interruptions. They take fewer breaks and experience fewer sick days than those who work in an office. (After all, germs spread throughout an office like wildfire.) In addition, remote workers can often accomplish tasks at a more comfortable pace without having to worry about office drama.

• Better work-life balance: Working from home can improve your work-life balance, allowing you to spend more time with family, pets, or partner. Employees may also worry less about taking time off to care for a family member.

• Saves on commuting: Remote work allows you to reduce your carbon footprint by not commuting or taking public transportation. And you don’t need a budget tracker to tell you that not driving to work can also save money on fuel, maintenance, and insurance.

Cons:

• Fewer teamwork opportunities: Just as it’s difficult to assemble a robust happy hour with a fully online team, it’s also harder to build true camaraderie when you work remotely. It may also be more difficult for managers to build inherent trust with a team that doesn’t see each other every day.

• Reduced social interaction: As an individual who works remotely, you may find reduced social interaction one of the most obvious downsides of working remotely. It can exacerbate feelings of isolation.

• Less access to IT support: If you have a problem with your computer or need access to particular software, you might have trouble finding the same type of help as you would in an office.

• Must be intrinsically motivated: It helps to be a self-starter when you work remotely. If you need the motivation of a team or an office to get you through your workday, you may prefer an in-person environment.

Why Are Remote Jobs Good for Introverts?

Working remotely at home can help introverts find the quiet space they need to focus. You may also find there are mental and physical benefits. For instance, virtual meetings may be less intimidating for introverts, who may have trouble speaking up in large groups.

Remote part-time jobs also help traditional workers earn supplemental income. A free budget app can help you decide how much you need to earn per hour or per paycheck.

Where to Look for Remote Jobs for Introverts

You can find remote jobs for introverts on platforms like FlexJobs.com or WeWorkRemotely.com. Searching “jobs with flexible schedules near me” on Google might even yield some opportunities.

Take a look at company career pages on LinkedIn, or inquire within your personal network. Your friends or family may know of a great connection for a remote job.

How to Evaluate a New Remote Job Opportunity

Let’s say you’ve found a listing with potential. How do you know whether it’s a good opportunity to make money from home? Let’s walk through some ways to evaluate job posts.

passive income ideas. These roles have different degrees of flexibility, salary ranges, and educational requirements.

Some of these ideas could also be good work-at-home jobs for retirees.

1. Graphic Designer

National average salary: $58,910 per year

Job growth outlook (2023-2033): 2%

Job description: Graphic designers help communicate ideas through visual organization and design. They work on a wide variety of projects for customers, such as advertisements, websites, print materials, and more.

Requirements: Typically requires a bachelor’s degree in graphic design as well as a portfolio to showcase past projects.

2. Accountant

National average salary: $79,880

Job growth outlook (2023-2033): 6%

Job description: Accountants analyze, verify, file, and interpret financial records. They prepare and explain financial statements, and develop financial reporting methods. Accountants work with a wide variety of organizations, from individuals and small businesses to large corporations.

Requirements: Usually requires a degree in accounting or a related field. Accountants can also pursue further certification, such as a Certified Public Accountant (CPA). Advanced certifications may improve your chances of finding jobs with flexible schedules.

3. Computer Programmer

National average salary: $99,700

Job growth outlook (2023-2033): -10%

Job description: Computer programmers work software by writing, modifying, and testing code and scripts. They ensure that software meets performance, reliability, and security standards, update existing programs, and check for errors in code. Programmers work in computer systems design and other related industries.

Requirements: Bachelor’s degree is typically required, and you must also be proficient in several programming languages.

4. Drafter

National average salary: $62,530

Job growth outlook (2023-2033): -1%

Job description: Drafters convert rough engineering and architectural designs into precise technical drawings and plans, using software. The same computer-aided drafting (CAD) programs are used by many industries, outlining the dimensions, materials, and procedures for building. If this sounds intriguing, you may want to learn more about trades that make the most money.

Requirements: Typically requires a drafting degree from a community college or technical school.

5. Insurance Underwriter

National average salary: $77,860

Job growth outlook (2023-2033): -4%

Job description: Underwriters evaluate insurance claims, help decide policy coverage and premiums, and analyze risk using mathematical models. They may assess the risks of home, auto, or life insurance.

Requirements: Usually must have a bachelor’s degree to enter the field, though experience may count in this career. Underwriters must pursue certification to advance to more senior positions.

6. Actuary

National average salary: $120,000

Job growth outlook (2023-2033): 22%

Job description: Actuaries use mathematical formulas to analyze risk, including economic costs, for organizations. They collect and compile statistical data, perform risk assessments, and implement plans based on the data collected. Actuaries also use financial theory to determine risk.

Requirements: Requires a bachelor’s degree and a series of assessments for certification at different levels.

7. Data Scientist

National average salary: $108,020

Job growth outlook (2023-2033): 36%

Job description: Data scientists analyze information using specialized tools and techniques to help organizations derive meaning from numbers. They collect and organize data into useful formats and build predictive modeling for organizations. These scientists extract insights with the goal of increasing efficiency in organizations.

Requirements: Generally must have a bachelor’s degree in mathematics or statistics; some organizations require a master’s or doctoral degree.

8. Desktop Publisher

National average salary: $51,290

Job growth outlook (2023-2033): -13%

Job description: Desktop publishers design page layouts for online printed or published items. They review text, graphics, and other materials created by writers and designers, and use computer software to create various documents and products. Desktop publishers also collaborate with design and media professionals such as graphic designers and illustrators.

Requirements: Typically requires a bachelor’s degree.

9. Bookkeeper

National average salary: $47,440

Job growth outlook (2023-2033): -5%

Job description: Bookkeepers keep track of financial records by recording transactions, creating invoices, handling payroll, and balancing the books for a company. They provide up-to-date information about financial transactions for an organization.

Requirements: Some postsecondary education may be required.

10. Public Relations Specialist

National average salary: $66,750

Job growth outlook (2023-2033): 6%

Job description: Develop and maintain a positive public image for their client. Some public relations specialists deliver speeches or plan and execute meetings and events in the community.

Requirements: Typically requires a bachelor’s degree in an area such as communication or business.

11. Marketing Manager

National average salary: $156,580

Job growth outlook (2023-2033): 8%

Job description: Marketing managers plan and execute various programs to drum up interest in a company and its products. This can involve planning promotional campaigns, such as giveaways or contests, or running advertising campaigns on various platforms.

Requirements: Bachelor’s degree required in a related field, such as marketing, advertising, digital media, communication, website/graphic design, or English.

12. Information Clerk

National average salary: $40,540

Job growth outlook (2023-2033): -1%

Job description: Prepares reports, claims, bills, or orders for their company, and gathers and records information from customers.

Requirements: Generally requires a high school diploma and on-the-job training

13. Medical Records Specialist

National average salary: $48,780

Job growth outlook (2023-2033): 9%

Job description: Medical records specialists process and maintain patient records and after visits may also assign clinical codes for patients’ diagnoses, procedures, and services.

Requirements: A certificate or associate degree may be required.

14. Sales Representative

National average salary: $73,080

Job growth outlook (2023-2033): 1%

Job description: Sales reps sell products over the phone. They find customers, use sales techniques on the customer, and develop relationships to drive future sales.

Requirements: May qualify without formal education, but a bachelor’s in finance, business administration, or marketing may be required. Companies may teach you further techniques in cold calling, finding leads, and using sales techniques.

15. Online Tutor

National average salary: $39,580

Job growth outlook (2023-2033): 1%

Job description: Online tutors do the same things as in-person tutors, including meeting with students one-on-one. However, they meet with students on Zoom or another online method instead of in person.

Requirements: Depends on the subject you teach, but clients/students may prefer tutors who list degrees or credentials.

16. Freelance Writer

National average salary: $73,690

Job growth outlook (2023-2033): 3%

Job description: Freelance writers and authors may write for a variety of media and brands: websites, newspapers, magazines, company documents, and more. Many types of companies hire freelance writers instead of hiring in-house. Aspiring freelance writers can jumpstart their career by trying it out as a side hustle.

Requirements: Writers should have a college degree in journalism, English, communications, or a related field.

Recommended: 10 Entry-level Jobs with Little Human Interaction

17. Film and Video Editor

National average salary: $65,070

Job growth outlook (2023-2033): 3%

Job description: Film and video editors work in film production by editing and assembling videos to inform or entertain an audience. They may manipulate footage, dialogue, sound effects, special effects, and more to create video content for a wide variety of sectors.

Requirements: Typically requires a bachelor’s degree in film or broadcasting to work for a company; on a freelance basis, a degree is likely not required.

18. Project Management Specialist

National average salary: $98,580

Job growth outlook (2023-2033): 7%

Job description: A “PM” controls every stage of a project, from planning to helping execute the final steps. They may schedule milestones, put together a budget, and assign duties to individual participants.

Requirements: Typically requires a bachelor’s degree to work for a company.

19. Information Security Analyst

National average salary: $120,360

Job growth outlook (2023-2033): 33%

Job description: Talk about high-paying jobs with flexible schedules — information security analysts fit that mold perfectly. These analysts keep company data safe from breaches and cyber attacks. They create plans to protect information from cyber criminals and assess system vulnerabilities within the organization.

Requirements: Bachelor’s degree in computer science and experience in the field.

20. Recruiter or Human Resources Specialist

National average salary: $67,650

Job growth outlook (2023-2033): 8%

Job description: Recruiters or HR specialists recruit, screen, and interview job candidates. They might also train, handle benefits and compensation, and work with individuals once they become employees. Those who work remotely may handle the screening part of the interview process or recruit remotely.

Requirements: Typically requires a bachelor’s degree in HR, business, or a related field.

21. Market Research Analyst

National average salary: $74,680

Job growth outlook (2023-2033): 8%

Job description: Market research analysts gather information about consumers and competitors and draw conclusions based on their research to help make decisions about the viability of products or services. They help companies understand the products people want, the demographics of the consumers buying them, and the optimal cost of an item.

Requirements: Bachelor’s degree in statistics, marketing, or a related field. Some employers may require candidates to have a master’s degree.

22. Freelance Editor

National average salary: $75,020 per year

Job growth outlook (2023-2033): -2%

Job description: Editors can work for organizations in many sectors. They may plan and edit content, conduct research, rewrite work, fact check, copy edit, proofread, and more.

Requirements: Typically requires a bachelor’s degree in communications, journalism, or English, as well as writing and proofreading experience.

23. Virtual Assistant

National average salary: $54,496

Job growth outlook (2024-2034): 24%

Job description: Virtual assistants can work for any type of company that requires administrative or clerical work. For example, they may schedule appointments, make phone calls, arrange travel, or manage emails.

Requirements: No degree is required but candidates may need to specialize in a specific area; must have a strong internet connection and an ability to communicate on online platforms.

24. Remote Trader

National average salary: $76,900

Job growth outlook (2023-2033): 7%

Job description: Remote traders handle financial investments, such as stocks, bonds, and other securities on behalf of clients. Traders must have deep knowledge of the stock market to analyze, buy, and sell investments on behalf of clients. Remote traders, who work for themselves and with their own cash, are also called “day traders.”

Requirements: Typically requires a bachelor’s degree to work for a company. If you work for yourself, no degree is required. Must have knowledge of the stock market and trading.

25. Search Engine Optimization Analyst

National average salary: $54,688

Job growth outlook (2021-2031): 19%

Job description: Search engine optimization (SEO) managers coordinate a company’s or business’s SEO strategy — that is, what will drive a website or piece of content to the first page of Google results. They may handle marketing, analysis, content, link building, and keyword strategy.

Requirements: Bachelor’s degree and/or related experience

26. Fundraiser

National average salary: $64,160

Job growth outlook (2023-2033): 6%

Job description: Fundraisers organize events and run campaigns to raise money, typically for nonprofit organizations. Fundraising might not seem as if it’s the best choice for introverted employees. However, a lot of emails exchange hands, and it’s still possible to do the job well even if you’re not the most outgoing individual on your team.

Requirements: A bachelor’s degree is typically required, with strong communication skills — but not necessarily verbal skills.

27. Telemedicine Radiologist

National average salary: $353,960

Job growth outlook (2023-2033): 4%

Job description: Radiologists diagnose injuries and diseases using medical imaging like X-rays, computed tomography (CT) scans, magnetic resonance imaging (MRI) scans, nuclear medicine, positron emission tomography (PET), and ultrasounds. Telemedicine radiologists do all this via computer.

Requirements: Requires a medical degree and a residency in radiology as well as successful completion of certification exams through the American Board of Radiology.

28. Telemedicine Family Doctor

National average salary: $240,790

Job growth outlook (2023-2033): 4%

Job description: Some family physicians offer telemedicine-only options. The position might involve the same type of medicine as a regular doctor’s office, except physicians diagnose mild symptoms only and refer patients to other specialists. If you’re a doctor who finds a regular clinical setting to be too taxing as an introvert, a telemedicine option might be right for you.

Requirements: Requires a medical degree.

29. Telemedicine Psychologist

National average salary: $92,740

Job growth outlook (2023-2033): 7%

Job description: Psychologists observe and help patients cope with cognitive, emotional, and social problems and behaviors. They also help manage illnesses and supervise patient assessments with the overall goal of achieving wellness. Telemedicine psychologists interact with patients via Zoom or similar platforms.

Requirements: Typically requires a doctoral degree in psychology.

30. Medical Transcriptionist

National average salary: $37,060

Job growth outlook (2023-2033): -5%

Job description: Medical transcriptionists convert voice recordings from physicians and other healthcare workers into reports that medical professionals can use.

Requirements: Postsecondary education certificate is required as well as basic medical knowledge.

31. Health Education Specialist

National average salary: $62,860

Job growth outlook (2023-2033): 7%

Job description: Health education specialists help individuals and communities attain health and well-being by delivering plans to achieve specific goals or implement goals prescribed by doctors and other professionals.

Requirements: You typically need to earn at least a bachelor’s degree.

Recommended: What Is The Difference Between Transunion and Equifax?

The Takeaway

Introverts can find a wide variety of remote jobs with flexible schedules. Whether you prefer a second gig or a full-time job, you’ll find great ideas on our list. Some roles require specific skills or personality traits, such as bookkeeper, sales rep, drafter, or public relations specialist. Others are open to anyone willing to stick it out through the learning curve period, like data entry, medical coder, online tutor, video editor, or fundraiser. Jobs requiring advanced degrees are intended for current practitioners who are unfulfilled in a typical office setting.

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FAQ

Is remote work good for introverts?

Yes, remote jobs can be good for antisocial people or just shy introverts. Still, it’s important to cast a wide net — including part-time jobs with flexible schedules — to find a role that aligns with your needs and preferences.

What jobs will allow me to work remotely?

The best remote jobs with flexible schedules don’t fall into just one category. Almost every industry offers some remote work options. The right job for you depends on your education, experience, personality, and career goals. Start with what you want to do, and then look for remote opportunities.

What is the best job for a shy person?

There’s no one best job that will fit any shy person, just as there’s no one perfect job that will fit any outgoing person. There are many work-from-home jobs with flexible schedules that introverted people may want to consider. Consider researching online, and contacting people you know about their positions before you make a decision.

Photo credit: iStock/vorDa

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Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SORL-Q424-005

Source: sofi.com

Apache is functioning normally

November 6, 2024 by Brett Tams

Pennsylvania, also known as the Keystone State, is more than just history and cheesesteaks; it’s a land of beautiful landscapes, cultural quirks, and unexpected perks. If you’re moving to Pennsylvania, you’ll be located between New York, New Jersey, and Ohio, perfectly situated near major cities. But is Pennsylvania a good place to live? Let’s dive into the unique aspects of renting in Pennsylvania with a rundown of ten pros and cons that could make or break your decision to call this state home.

Is Pennsylvania a good place to live?

Living in Pennsylvania provides residents with bustling cities, gorgeous landscapes and the proximity to major cities. Philadelphia is known for its historic landmarks and thriving sectors like education and healthcare, while Pittsburgh has a growing tech and healthcare scene. Major employers in the state include Comcast, Hershey, and top universities like the University of Pennsylvania and Carnegie Mellon University.

The state also has a great cultural scene, with attractions like the Philadelphia Museum of Art and the National Aviary in Pittsburgh, along with music festivals and diverse food markets. Sports are a huge part of life here, with passionate fans supporting teams like the Philadelphia Eagles, Pittsburgh Steelers, and Penn State football. Whether enjoying outdoor activities in the Poconos or attending a Broadway show in Philly, there’s always something to do.

Pennsylvania overview

Population	13,002,700
Biggest cities in Pennsylvania	Philadelphia, Pittsburgh, Allentown
Average rent in Philadelphia	$1,817
Average rent in Pittsburgh	$1,626
Average rent in Allentown	$2,104

1. Pro: Affordable housing in many areas

Compared to neighboring states like New Jersey and New York, Pennsylvania offers affordable rental and housing options, particularly in smaller cities and rural areas. Renting in Harrisburg, for example, averages around $1,275 a month, while in Pittsburgh, you’ll find one-bedroom apartments averaging around $1,626, both lower than in many major metro areas. However, the affordability doesn’t stop there. Erie, Upper Darby, and Bristol are just a few other affordable places to live. You’ll find rent averaging, $1,000-$1,200 for a one-bedroom apartment.

2. Con: Winter weather and snowy conditions

Pennsylvania’s winters can be challenging, particularly in the central and northern regions where snowfall is heavier. Cities like Philadelphia experience more mild winters, with occasional snowstorms and temperatures typically ranging from the mid-20s to 40s °F, but areas like Erie and the Poconos can see significant snowfall—often 100+ inches per year—and temperatures frequently dip below freezing. These regions are prone to long stretches of snow and ice, with the Poconos seeing snow from November through March.

Insider scoop: Invest in good snow tires if you’re in a snowy region and consider joining a carpool for commuting in bad weather.

3. Pro: Proximity to major cities

One of the standout benefits of living in Pennsylvania is its central location between major metropolitan areas on the East Coast. This proximity offers residents convenient access to cities like New York City, Baltimore, and Washington, D.C. Whether you live in the bustling streets of Philadelphia or a more suburban or rural area, you’re never too far from the economic, cultural, and entertainment opportunities these cities provide.

For example, from Philadelphia, you can take a quick 1.5-hour drive or hop on an Amtrak train to New York City, making it possible to work in one city while enjoying the more affordable and peaceful living conditions of another.

4. Con: The humidity can be intense

Pennsylvania’s weather, particularly during the summer months, can be quite oppressive due to high humidity levels. The state experiences a humid continental climate, and in areas such as Philadelphia, Pittsburgh, and the eastern parts of the state, the air can feel thick and sticky during the summer. High humidity makes the temperatures feel hotter than they actually are, which can lead to uncomfortable conditions for those who are not accustomed to it.

Insider scoop: One thing locals often do to beat the humidity is to head to the mountains or the many nearby lakes, where the temperature is usually a few degrees cooler. The Poconos and Lake Erie are popular escapes in the summer months, providing much-needed relief from the sticky air.

5. Pro: Sports are big here

Sports culture in Pennsylvania is an undeniable force, with some of the most passionate fanbases in the country. Whether it’s professional football, basketball, or hockey, Pennsylvanians take their sports seriously. The state is home to some major-league teams, including the Philadelphia Eagles (NFL), Pittsburgh Steelers (NFL), Philadelphia 76ers (NBA), and Pittsburgh Penguins (NHL). Game days are a big deal, with residents filling stadiums or gathering in living rooms, bars, and tailgating events to cheer on their teams.

Insider scoop: One thing you’ll quickly learn when living in Pennsylvania is that game day is practically a state holiday—especially if you’re near Philadelphia or Pittsburgh. The Eagles’ “Bird Gang” and the Steelers’ “Steel Curtain” are legendary, and you’ll see fans decked out in team colors everywhere you go.

6. Con: Pennsylvania is pretty rural

While Pennsylvania is home to several large cities, much of the state is rural, which can be both a pro and a con depending on your lifestyle preferences. If you enjoy wide-open spaces, rural charm, and a slower pace of life, the state’s smaller towns and farmland regions may appeal to you. However, for those used to city living or who prefer urban amenities, Pennsylvania’s rural areas can feel isolated. The further you venture away from cities like Philadelphia and Pittsburgh, the less access you have to the conveniences of urban life, such as diverse job markets, shopping centers, and entertainment options.

7. Pro: There’s plenty of outdoor activities

Pennsylvania has plenty of outdoor activities that make it an ideal location for nature lovers and adventure seekers. From the Appalachian Mountains to the vast forests in the northern part of the state, there’s hiking, biking, and wildlife-watching opportunities. Ricketts Glen State Park, for example, is a top destination for hiking, with its renowned waterfalls and scenic trails. The Poconos are famous for skiing in the winter and hiking, zip-lining, and water sports during the warmer months. With over 120 state parks, the state offers year-round outdoor recreation, making it a fantastic place for people who enjoy staying active.

8. Con: No oceans border the state

While Pennsylvania has a variety of beautiful lakes, rivers, and other outdoor experiences, it doesn’t have the coastline that some residents may crave. The state has no direct access to the Atlantic Ocean. This means that while you can enjoy freshwater lakes, river activities, and coastal-like experiences in its large inland reservoirs, you won’t be able to hit the beach for an ocean view or salty waves. Residents seeking the easy access to oceanfront activities found in neighboring states like New Jersey or Delaware will have to travel to find the coastline.

Travel tip: The closest beaches are in New Jersey, which requires at least a 1.5-hour drive from Philadelphia.

9. Pro: Although there are no oceans, there is Lake Erie

Though Pennsylvania may not have oceanfront property, it does have Lake Erie, a massive freshwater lake that provides many of the same benefits as living near the ocean. The shores of Lake Erie offer sandy beaches, ideal for swimming, fishing, and picnicking. Erie, a city on the lake, has seen significant investment in its waterfront areas, making it a popular destination for water sports, including boating and jet skiing.

10. Con: Limited job opportunities in rural areas

While Pennsylvania’s larger cities have robust job markets, rural areas often struggle with fewer employment opportunities. Many small towns rely heavily on agriculture, local businesses, or manufacturing, and may not have the diverse job options available in urban centers. This can make it challenging for residents in these areas to find specialized work or advance their careers, leading some to commute long distances or relocate to cities for better prospects.

Pros and cons of living in Pennsylvania: Overview

Pros	Cons
Affordable housing in many areas	Winter weather and snowy conditions
Proximity to major cities	The humidity can be intense
Sports are big here	Pennsylvania is pretty rural
There’s plenty of outdoor activities	No oceans border the state
Although there are no oceans, there is Lake Erie	There are many striped skunks

Source: rent.com

Apache is functioning normally

November 6, 2024 by Brett Tams

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

The real estate market can be intimidating for anyone, especially those who may be in the market for their first home or who may have less-than-excellent credit. In 2023, the average median down payment on a home in the United States was slightly over $34,000. For many young people, the idea of saving up that much can feel impossible.

Luckily, there’s another option. Rent-to-own homes can be an excellent way for those who need more time to be ready for homeownership. But if rent-to-own is so great, why isn’t everyone doing it? Well, rent-to-own does come with some significant downsides. Keep reading for a comprehensive overview of rent-to-own vs. buying to understand which option is right for you.

What does rent-to-own mean?

The process of rent-to-own is very much what the name sounds like. You start by renting the home but enter into a contract as part of your rental agreement that you intend to purchase the house after an agreed-upon time (usually one to three years).

As long as you buy the home, a specific portion of your rental payments, determined up front, is applied to the price of the house.

A rent-to-own agreement also locks in the price of the home at the time of the contract, so you don’t have to worry about appreciating values putting the house out of your financial reach after a few years.

For example, you can sign a contract saying 25 percent of your rental payments will go toward the home purchase after five years of renting. The agreement values the home at $350,000, which is what you’ll buy it for at the end of the five years. Your rent is $2,000 a month, so you’ll have a “down payment” of $30,000 at the end of the five years.

When you choose rent-to-own, you have to decide if you’ll go with a lease-option or a lease-purchase agreement. A lease option means you can buy the home at the end of the rental period, but you aren’t legally bound to do so. This option gives you some flexibility.

A lease-purchase is a legally binding agreement that you’ll buy the house at the end of the rental period, and you can face fees and other repercussions if you don’t follow through.

Rent-to-own vs. buying: What’s the difference?

If all goes well, the result of rent-to-own is the same as when buying traditionally, but how you get there is a little more complicated.

When you buy a house traditionally, you work with a real estate agent, look at homes that fit your purchase budget and then make an offer on the one you like. As long as the offer is accepted and nothing shows up on the inspection or appraisal, you close on the house and it’s yours.

With rent-to-own, you’ll still likely work with a real estate agent and look at homes. However, when you find one you like, you’ll enter into either a lease-option or lease-purchase agreement and start renting the house. After the rental period, you’ll have to buy the house with a mortgage and the traditional closing procedures.

Rent-to-own can be more expensive because there are usually fees associated with this option. You’ll have to pay those as well as the regular closing costs and fees when it’s time to buy the house. It can also be more costly because there are hidden fees and risks associated with rent-to-own (more on that below).

In most cases, you’ll also be responsible for most of the maintenance on the house while you’re renting. This is essential to consider, as it can be costly and take away one of the typical benefits of renting.

The risks of rent-to-own

There are two main risks involved with rent-to-own situations. The first is that property values in the area might decrease over the rental period, which could leave you paying more than the house is worth. If you signed a contract to purchase the home at $350,000 but at the end of the term the home is worth $250,000, you’ll be stuck paying the original agreed-upon price.

The second risk is that you might lose the house—and usually a decent chunk of your money investment with it. Here are a few scenarios that could happen:

Sometimes, rent-to-own contracts have strict terms, which could risk the entire agreement. For example, the contract might specify that if you’re late or miss a rent payment one time, the rent-to-own contract is void.
If you sign a lease-purchase agreement but can’t fulfill your obligation to purchase the home at the end of the lease term, you’ll likely have to pay a substantial fee.
Rent-to-lease agreements typically come with higher-than-average rents. Additionally, you must pay for all house maintenance expenses. If you don’t purchase the home at the end of the term, you spend years paying more for no reason.
At the end of the rent-to-lease agreement, you must get a mortgage from a lender. If you can’t secure a mortgage approval, you’ll be unable to purchase the home.
If the home can’t pass a home inspection and therefore doesn’t qualify for a mortgage, you may be unable to buy the home.

The advantages of rent-to-own

Doing a rent-to-own option instead of a traditional purchase has several advantages, especially if your credit isn’t great. Rent-to-own lets you pick out a house you want to buy and lock in a price while still giving you time to build your credit or save money for closing costs.

It can also help you build equity instantly when you complete the purchase because of the portion of rent that’s allocated to the purchase.

Should you rent-to-own or buy?

If you’re considering rent-to-own, you’re probably wondering if it’s a better option than buying traditionally. It depends. Every situation is unique, but rent-to-own can sometimes be a better option.

Rent-to-own can give you a better feel for homeownership because you’ll be taking on most of the maintenance of the home. If you have a lease option, you can decide that you don’t like the responsibility of having to pay to fix or maintain things and that renting is better for you.

It can also be a better option for those who know they want to buy their own home but don’t have the credit or money in the bank to do that right now.

Rent-to-own lets you start building equity right away instead of all the money going to your landlord’s mortgage, and it gives you a few years to work on saving money, building a solid credit history and paying down debt.

No matter your reasons for wanting to go the rent-to-own route, it’s important not to try to go through the process alone. A qualified real estate agent with experience working with rent-to-own situations can help you find a suitable property and help ensure you understand what you’re signing up for.

Someone must walk you through the contract so you understand all the terms and potential fees.

They can also suggest and set up things like a home inspection if you want that done before entering into the contract.

For more information on rent-to-own, examples of contracts, red flags to look out for and ways to shop for the best deal, download the Complete Rent-to-Own Guide for Prospective Homebuyers.

Alternatives to rent-to-own homes

If you decide rent-to-own isn’t for you and you can’t get a traditional mortgage, there are still other options. You can wait and spend a year or two working on your credit. Paying down debt, making sure all payments are made on time and building up your savings can put you in a much better position to buy a house and help you qualify for a better interest rate.

You can also look at other loan options such as an FHA or USDA loan. These often have lower credit score requirements and may require less money down than a conventional mortgage.

Lastly, you can also look into getting a cosigner for your mortgage if you have a friend or family member willing to take on the risk.

Bottom line: Rent-to-own can be a great avenue to homeownership as long as you work with professionals, understand what a rent-to-own contract entails and know what to look for in a suitable property.

Regardless of whether you plan to go the rent-to-own route or buy a home outright, your credit health will be important. A strong credit score can help you get mortgage approval, and typically, the better the credit, the lower your interest rate. Get started on improving your credit today by taking Lexington Law’s free credit assessment.

Lexington Law is not an RTO company. Any content provided on this website regarding the topic of RTO is nothing more than a resource Lexington Law believes might be helpful to readers of its website. Lexington did not write this content. It was provided by a third party. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.

Lexington did not write this content. It was provided by a third party.

Source: lexingtonlaw.com

Apache is functioning normally

November 6, 2024 by Brett Tams

The Offer

Some American Express members are being targeted for a 35% transfer bonus to Marriott. Normally you can transfer 1,000 Membership Rewards points to 1,000 Marriott points. Under this promotion you’d receive 1,350 Marriott points.

The Fine Print

Valid until 12/31/24

Our Verdict

Previous transfer bonuses for Marriott have been:

Even with the transfer bonus this isn’t worth considering as American Express MR are much more valuable than Marriott points.

Source: doctorofcredit.com