August 2024 - Hanover Mortgages

Apache is functioning normally

August 27, 2024 by Brett Tams

With its rich history and southern charm, it’s no mystery why people love living in Georgia. Whether you’re looking to rent in Atlanta or searching for an apartment in Savannah, the Peach State has something for everyone. From its beautiful coastlines to its mountainous regions, this state is full of surprises. If you’re curious about what makes Georgia unique, here are 15 fun facts about Georgia that you might find interesting.

1. Georgia produces more peanuts than any other state

Georgia farmers grow nearly half of all peanuts in the United States. Jimmy Carter, the 39th President, was a peanut farmer from Georgia. The state celebrates this with annual peanut festivals. The peanut industry contributes significantly to Georgia’s economy. If you love peanuts, Georgia is the place to be.

2. The world’s largest drive-in restaurant is in Atlanta

The Varsity, located in Atlanta, holds this title. It can accommodate up to 600 cars and 800 people inside. Founded in 1928, it’s famous for its hot dogs, burgers, and frosted orange drinks. It’s one of Atlanta’s most well-known landmarks and a must-visit in the city.

3. Coca-Cola was invented in Georgia

John S. Pemberton created Coca-Cola in Atlanta in 1886. The first glass was sold at Jacobs’ Pharmacy for five cents. Today, Atlanta is home to the World of Coca-Cola museum. The museum celebrates the drink’s history and global impact. It’s one of the city’s most popular attractions.

4. Georgia is the largest state east of the Mississippi River

In terms of land area, Georgia is the largest state east of the Mississippi. Nationwide, the Peach state ranks 21st, slotting in between Michigan and Washington.

5. Georgia is the leading producer of Vidalia onions

Vidalia onions are known for their sweet flavor. They can only be grown in a specific region of Georgia. The state protects the onion’s name under federal law. Vidalia onions are a favorite in many dishes nationwide. They’re harvested from late April to early June.

6. Savannah is home to one of the largest St. Patrick’s Day parades in the U.S.

Savannah’s parade is one of the oldest and most popular in the country. Thousands of people flock to the city for the celebration. The event features floats, bands, and plenty of green attire. It’s an annual tradition that dates back to 1824.

7. Georgia has more than 60 state parks and historic sites

The state offers diverse landscapes, from mountains to coastal marshlands. Popular parks include Amicalola Falls, Tallulah Gorge, and Fort Yargo State Park near Athens. These parks provide opportunities for hiking, camping, and wildlife viewing. Many historic sites also tell the story of Georgia’s past. Outdoor enthusiasts have plenty to explore in Georgia.

8. The Okefenokee Swamp is one of the largest freshwater ecosystems in the U.S.

The Okefenokee Swamp covers over 700 square miles. It’s home to diverse wildlife, including alligators and black bears. The swamp is a critical habitat for many species. Visitors can explore it by boat, canoe, or on foot. The area is both mysterious and beautiful.

9. Georgia boasts the busiest airport in the world

Hartsfield-Jackson Atlanta International Airport holds this distinction. It served over 100 million passengers in 2023. The airport is a major hub for domestic and international flights. Its location makes it a key connecting point between the U.S. and the rest of the world.

10. The Masters Tournament is held annually in Georgia

This prestigious golf tournament takes place in Augusta, GA at the Augusta National Golf Club. It’s one of the four major championships in professional golf. The event attracts top golfers and fans from around the world. Winning the Masters is one of the highest honors in golf, making Augusta the center of the golf world every April.

11. Georgia is called the “Peach State”

Georgia earned this nickname due to its high-quality peaches. Peach orchards thrive in the state’s warm climate. The peach symbolizes hospitality and southern culture. The state celebrates its peaches with events like the Georgia Peach Festival, which occurs every June. Although other states produce more peaches, Georgia’s remain iconic.

12. The Appalachian Trail begins in Georgia

The Appalachian Trail extends from Springer Mountain in northern Georgia to central Maine, covering over 2,190 miles. Georgia’s section offers stunning views of mountains and forests. Many hikers start their journey here each year. The trail is a bucket-list adventure for Atlanta locals and outdoor enthusiasts.

13. Georgia has the largest aquarium in the Western Hemisphere

With over 11 million gallons of water, the Georgia Aquarium in Atlanta houses thousands of marine animals. It features exhibits ranging from tropical fish to beluga whales. The aquarium is home to the only manta rays and whale sharks in the U.S. Locals can also experience interactive exhibits and live shows.

14. Martin Luther King Jr. was born in Atlanta

The civil rights leader was born in 1929 in the Sweet Auburn district. His childhood home and church are part of the Martin Luther King Jr. National Historical Park. The park honors his life and legacy. Visitors can learn about his role in the Civil Rights Movement.

15. Georgia is home to one of the oldest universities in the U.S.

The University of Georgia was founded in 1785. Located in Athens, it’s the first state-chartered university in America. Notable alumni include celebrity chef Alton Brown and Pro Football Hall of Famer Terrell Davis.

Apache is functioning normally

August 27, 2024 by Brett Tams

Capital One has announced that as of 8/12 the lounge fees for non cardholders will be increasing from $65 to $90. Venture X and Venture X Business cardholders continue to get the special rate of $45 for guests (the first two guests are free). Can’t see this having much of an effect on overcrowding as the $65 rate was already expensive but maybe some very slight incremental revenue for Capital One.

Source: doctorofcredit.com

Apache is functioning normally

August 27, 2024 by Brett Tams

Mortgage rates held mostly steady during the week ending Aug. 22, as mortgage lenders rolled with the punches. The biggest hit came from revised employment numbers hinting at a weaker economy, but that was far from a knockout.

The 30-year fixed-rate mortgage rose 10 basis points, averaging 6.38%. A basis point is one one-hundredth of a percentage point. But daily movements have been mostly downward, and for the past two days, the average rate on a 30-year fixed has been more than one percentage point lower than a year prior.

Looking at the bigger picture, we’re finally starting to see the lower mortgage rates that home buyers — and plenty of refi-curious homeowners — have long been waiting for. Will one percentage point (or more) be enough to get the housing market moving?

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The difference 1% makes

Let’s see how much a slightly lower interest rate could help a hypothetical home buyer. Last year at this time, the average 30-year fixed rate was 7.33%, just under a percentage point higher than our current average of 6.38%.

A buyer who borrowed $300,000 for a 30-year fixed loan a year ago, with an interest rate of 7.33%, would be making monthly principal and interest payments of $2,063. A buyer borrowing the same amount at this week’s average of 6.38% would have monthly payments of $1,873, a savings of almost $200 per month.

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What’s your property type?

How do you plan to use this property?

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Lower rates vs. higher prices

While rates may be going down, home prices in most markets have continued to rise. In July, the median price of an existing home was $422,600, according to data released this morning by the National Association of Realtors. That’s a 4.2% increase compared to one year ago, when the median price was $405,600 — a sum that’s also nothing to sneeze at.

Do lower mortgage rates help to cancel out that cost difference? Let’s take a look. We’ll assume an 8% down payment, which was the typical first-time home buyer down payment in 2023, per NAR data. A home buyer who borrowed $373,152 — last year’s median price minus 8% — at a 7.33% interest rate would be making monthly principal and interest payments of $2,566. This year’s buyer, with an interest rate of 6.38% and a borrowed sum of $388,792 would face monthly principal and interest payments of $2,427.

This week’s lower average rate just manages to give today’s hypothetical buyer an edge, with a savings of $139 per month despite higher home prices. Lower mortgage interest rates don’t help buyers as much as lower home prices would, but every bit helps.

Source: nerdwallet.com

Apache is functioning normally

August 27, 2024 by Brett Tams

That’s an outlook shared by Left Coast Leaders broker/owner Amir Nurani (pictured), who cautioned brokers against advising clients that the Fed’s rate will post a dramatic immediate fall. “The Fed still has PTSD from what happened during the COVID era when they smoked rates down to nothing and made money really, really cheap,” he told … [Read more…]

Apache is functioning normally

August 27, 2024 by Brett Tams

While there are many benefits to being an authorized user on another person’s account, you risk damaging your credit score if the primary cardholder isn’t responsible with the account.

Let’s take a look at the pros and cons of being an authorized user and how to prevent a credit score drop after being added to someone else’s account.

What Does It Mean to Be an Authorized User?

An authorized user means you’ve been added to another person’s credit account and can use it to make purchases. You’ll also receive your own card, though you can’t see the primary cardholder’s charges nor will you receive a bill. The primary cardholder is responsible for any charges made on the card.

The move comes with several benefits. You can have immediate access to credit without the need for a credit inquiry. Plus, it’s an opportunity to establish a credit history or help repair or build your credit.

However, there are limitations worth noting. The biggest one is that the primary cardholder’s behavior reflects on you. If he or she routinely misses payment due dates or uses up most of their available credit, for instance, your credit score (and theirs) can take a hit. What’s more, you can’t make changes to the account or add other authorized users, and you won’t be able to ask for credit limit increases.

If you find yourself stretching your finances every month, consider using a budget. A spending app can help you create a budget and spot upcoming bills.

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Check your credit score for free. Sign up and get $10.*

How Being an Authorized User Affects Your Credit

When you’re added as an authorized user to an account, your credit could be impacted positively or negatively — or not at all.

For instance, if you’re added to an account with a record of timely payments, your credit score may improve. If you’re an authorized user on an account that’s not in good standing, your credit score could suffer. And if the credit card issuer doesn’t report authorized user activity to any of the three credit bureaus, your score won’t be impacted.

Credit score monitoring services can help you keep tabs on any changes in your credit score and see an overview of your debt balances.

Recommended: Why Did My Credit Score Drop After a Dispute?

Who Should You Ask to Add You as an Authorized User?

Oftentimes, being added as an authorized user on a credit card account can help you establish credit or increase your credit score. But keep in mind that the primary cardholder is responsible for making payments, and the card’s use will be reflected on both of your credit reports.

Trust is key, so only consider asking someone who has a positive payment history, good spending habits, and low credit utilization ratio.

How to Add an Authorized User to Your Account

The process of adding an authorized user to an account varies by credit card. But generally speaking, you should be able to handle it online or by calling the issuer directly.

When adding an authorized user, you will likely need to know their personal information, such as their address, phone number, and Social Security Number. Once you’ve submitted your request, your credit card company should mail a new card to the authorized user.

How to Remove an Authorized User From Your Account

The easiest way to remove an authorized user from your account is to contact your credit card company’s customer service department. However, depending on the card, you may be able to take care of this online. You’ll likely be asked to verify your account information.

Does Removing an Authorized User Hurt Your Credit Score?

Removing an authorized user from an account may not hurt your credit score, but it could impact theirs. If the card has a long record of on-time payments and low credit utilization, that positive history will be removed from the authorized user’s credit report. And if the account has been open for a long time, it could also decrease the average length of their credit history.

However, the authorized user may see a boost in their score if they’re removed from an account with a history of late or missing payments or high credit utilization.

Recommended: How to Check Your Credit Score Without Paying

How Does an Authorized User Build Credit?

Before you’re added as an authorized user, it can be helpful for you and the primary cardholder to understand the factors that affect your credit score. Here’s what goes into your FICO™ Score, which most lenders use.

• Payment history

• Amounts owed

• Length of credit history

• New credit

• Credit mix

Of those five factors, payment history and amounts owed have the biggest impact on your credit score. So ensure the primary cardholder makes on-time payments and avoid carrying a high balance, which can affect your credit utilization ratio.

How Fast Does an Authorized User Build Credit?

How long does it take to build credit? Credit card companies typically report activity to the credit bureaus every 30 to 45 days.

Pro tip: You can often check your credit score for free through certain banks and credit cards. Many financial institutions will give regular credit score updates as a free service to their customers.

If yours doesn’t offer this service, you can sign up for a credit score monitoring service or use a tool like a money tracker app.

Difference Between Authorized User vs. Joint Account Holder on a Credit Card

Though both share an account with another person, there are some important differences between an authorized user and a joint account holder.

Most notably, a joint account holder is equally responsible for making payments on the account, while an authorized user is not. Also, when you apply for a card as a joint account holder, the credit card issuer will perform a hard inquiry, which could cause your credit score to drop temporarily. A hard inquiry is generally not required when adding an authorized user.

Pros and Cons of Being an Authorized User

Becoming an authorized user on an account comes with its share of benefits and drawbacks. Here are a few things to consider:

thumb_upPros:

• Immediate access to credit

• Could help you build or improve your credit

• No responsibility to pay the debt

thumb_downCons:

• May damage your credit score if the primary cardholder fails to make on-time payments or keep balances low

• Risk damaging your relationship with the primary account holder

• No control over account

The Takeaway

Being added as an authorized user can help you build or improve your credit, but in some cases you may notice a drop in your credit score. This often happens when the account is not in good standing, perhaps because of late or missed payments or a high balance. To help protect your (and the account holder’s) credit score, ensure bills are paid on time and keep credit utilization low.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

Will being added as an authorized user hurt my credit?

While becoming an authorized user can help your credit, there are times when it can have the opposite effect. For instance, if you’re added to an account that has a history of missed payments or the credit utilization ratio is too high, your credit score could fall.

How many points does your credit score go up as an authorized user?

There’s no set number of points you receive when you become an authorized user. However, if the account you’re associated with is in good standing, you may see an increase in your credit score.

How long does an authorized user show on a credit report?

Generally speaking, it takes a month or two after you’ve been added as an authorized user for the account to show up on your credit reports.

Photo credit: iStock/Milan Markovic

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

*Terms and conditions apply. This offer is only available to new SoFi users without existing SoFi accounts. It is non-transferable. One offer per person. To receive the rewards points offer, you must successfully complete setting up Credit Score Monitoring. Rewards points may only be redeemed towards active SoFi accounts, such as your SoFi Checking or Savings account, subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. SoFi reserves the right to modify or discontinue this offer at any time without notice.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

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.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

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-Q324-012

Source: sofi.com

Apache is functioning normally

August 27, 2024 by Brett Tams

Looking to live in Vermont without breaking the bank? While Vermont is known for its picturesque landscapes and small-town charm, finding an affordable place to live can be a challenge. That’s why we’ve done the homework for you.

Below are four of the most affordable cities in Vermont, ordered from the lowest to highest average rent. Whether you’re a young professional, a family, or someone seeking a peaceful retirement, these towns offer a mix of affordability, employment opportunities, and local attractions that make them worth considering.

1. Springfield

Average rent: $1,563

Springfield tops our list as one of the most affordable cities in Vermont, with an average rent of $1,563. One-bedroom apartments in Springfield go for an average of $1,425, and two-bedrooms cost about $1,700. This makes Springfield a great option for those looking for affordable housing without compromising on space.

Major employers in Springfield include the Springfield Medical Care Systems and the local school district, providing stable job opportunities. On a nice day, you can explore the stunning Muckross State Park or take a leisurely stroll along the Toonerville Trail. The town’s downtown area is also charming, with locally-owned shops and cafes that give it a quaint, welcoming vibe.

Apartments for rent in Springfield | Houses for rent in Springfield | Homes for sale in Springfield

2. Rutland

Average rent: $1,625

Next up is Rutland, where the average rent sits at $1,625. One-bedroom apartments are available at about $1,750, while two-bedrooms are slightly cheaper at $1,500. Rutland offers a unique affordability dynamic—families or roommates seeking a two-bedroom unit can enjoy lower rental costs.

Rutland is home to several major employers, including Rutland Regional Medical Center and Green Mountain Power. Pine Hill Park is a local favorite for hiking and mountain biking. In winter, you can ski at the nearby Pico Mountain. Beyond that, the Rutland Farmers Market is a great place to pick up local produce and handmade crafts without spending a fortune.

Apartments for rent in Rutland | Houses for rent in Rutland | Homes for sale in Rutland

3. Winooski

Average rent: $1,625

Winooski’s average rent matches Rutland’s at $1,625, but the rental spread is slightly different. With one-bedroom apartments averaging $1,545 and two-bedroom units at $1,705, Winooski offers affordable options for those who prefer a smaller town feel close to Burlington. The cost of dining out and groceries is generally lower than in larger cities in Vermont, making it easier to stick to a budget.

Winooski’s proximity to Burlington means easy access to job opportunities, with employers like the University of Vermont providing jobs and adding a college town vibe to the area. The city itself has a growing tech scene, providing opportunities in various startups. For some affordable outdoor fun, the Winooski River Walk offers scenic views and a peaceful escape right in town.

Apartments for rent in Winooski | Houses for rent in Winooski | Homes for sale in Winooski

4. South Burlington

Average rent: $1,850

Rounding out the list is South Burlington, where the average rent is higher at $1,850. One-bedroom apartments in South Burlington go for about $1,500, but two-bedroom units are pricier at $2,200. Despite being the most expensive city on our list, South Burlington remains affordable compared to many other parts of the state, especially considering its proximity to Burlington and Lake Champlain.

South Burlington is a hub for employment, with major employers like Ben & Jerry’s, University of Vermont, and GlobalFoundries located nearby. The city also has a variety of free and inexpensive activities. Red Rocks Park is perfect for hiking and swimming in Lake Champlain, and the South Burlington Recreation Path provides miles of scenic walking and biking trails.

Apartments for rent in South Burlington | Houses for rent in South Burlington | Homes for sale in South Burlington

Methodology

All cities must have over 8,000 residents per the US Census and have an average rent price under or within $300 of the median rent price for the state – which is $1,558 per month according to Redfin data. Average rental data from Rent.com July 2024.

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.

Source: rent.com

Apache is functioning normally

August 27, 2024 by Brett Tams

When you’re choosing your next living space, one of the key decisions you’ll face is whether to go for a full kitchen or settle into a kitchenette. Don’t be deceived by the size—whether you’re in a sleek studio in Los Angeles, a sunny vacation rental in Tampa, or a home in Philly, understanding the difference between these two can significantly impact your daily life. Each offers its own set of benefits tailored to different lifestyles and spaces.

In this ApartmentGuide article, we’ll dive into the essential differences between kitchens and kitchenettes, where you’re likely to find each, and how to make the most of whatever cooking space you have.

Features of a kitchen: The full culinary experience

A kitchen is much more than just a place to prepare food—it’s the heart of the home. A well-designed kitchen can transform meal preparation from a chore into a joy, offering everything you need to create culinary masterpieces or simply enjoy everyday cooking. Here’s a closer look at what makes a kitchen stand out:

Full-sized appliances

A hallmark of a full kitchen is its array of large, robust appliances. You’ll find a standard refrigerator with ample space for all your groceries, an oven for baking and roasting, and a stove with multiple burners for simultaneous cooking. Many kitchens also include a dishwasher, making cleanup a breeze. These appliances are designed to handle the demands of daily cooking, whether you’re preparing a quick weeknight dinner or hosting a lavish holiday feast.

Ample counter space

The countertops in a kitchen are where the magic happens. With plenty of room to spread out, you can easily chop, mix, and assemble your ingredients. Whether you’re kneading dough, rolling out pasta, or simply setting up a coffee station, the extensive counter space in a kitchen allows for multiple activities to happen at once. This is particularly beneficial when you’re hosting guests, as it gives you the flexibility to prepare food without feeling cramped.

Storage galore

One of the most important aspects of a kitchen is its storage capacity. Cabinets, drawers, and even a dedicated pantry offer space for all your cooking essentials—pots, pans, utensils, spices, and non-perishable food items. With well organized storage, everything has its place, making it easy to find what you need when you need it. This not only streamlines your cooking process but also helps keep your kitchen clutter-free.

Sink and ventilation

A full kitchen typically features a generously sized sink, often with a garbage disposal unit, making it easy to wash and prep your ingredients. Proper ventilation is another key component, usually provided by a range hood that helps eliminate cooking odors, smoke, and excess heat. This ensures that your kitchen remains a comfortable and pleasant place to work, even when cooking up a storm.

Features of a kitchenette: A compact convenience

A kitchenette is a smaller version of a kitchen, designed for spaces where a full kitchen isn’t feasible or necessary. It’s all about maximizing functionality in a compact area, offering the essentials without the extras. Here’s what you’ll typically find in a kitchenette:

Smaller appliances

In a kitchenette, you’ll often find miniaturized versions of standard kitchen appliances. This might include a mini fridge, which is perfect for storing just the basics like milk, eggs, and a few snacks. Instead of a full oven and stove, you might have a two-burner stove or even a combination microwave-oven. These appliances are ideal for simple meals and snacks, but they may limit your ability to cook more elaborate dishes.

Limited counter space

Counter space in a kitchenette is usually at a premium. You’ll have just enough room for essential tasks like chopping vegetables or making a sandwich. This limited space encourages simplicity and efficiency in your cooking routine, making it perfect for those who prefer quick and easy meal preparation. While you might not have room for large kitchen gadgets or extensive meal prep, a kitchenette offers just enough space to get the job done.

Minimal storage

Storage in a kitchenette is typically minimal, with a few cabinets or shelves to hold the bare necessities. You won’t have the luxury of a pantry or extensive cabinet space, so you’ll need to be strategic about what you store. This might mean sticking to a few versatile pots and pans, keeping only the most frequently used utensils, and limiting your pantry items to the basics. The upside? Less clutter and a more streamlined cooking experience.

Basic sink

The sink in a kitchenette is often smaller, sometimes lacking a garbage disposal unit. It’s designed for light use, such as washing dishes for one or two people or rinsing off produce. While it’s perfectly functional, it’s not equipped to handle large volumes of dishes or heavy-duty cleaning tasks. This reinforces the kitchenette’s role as a space for simple, everyday cooking rather than elaborate meal preparation.

Side-by-side comparison

Feature	Kitchen	Kitchenette
Appliances	Full-sized (fridge, oven)	Smaller (mini fridge, microwave)
Counter Space	Ample for meal prep	Limited to essentials
Storage	Cabinets, drawers, pantry	Minimal, just the basics
Sink	Full-sized with disposal	Smaller, no disposal
Ideal for	Cooking, hosting, meal prep	Quick meals, snacks, limited cooking

Which one is right for you?

Kitchenettes are great for:

Space-conscious individuals or couples: If you’re living in a smaller space and don’t want to feel overwhelmed by a large kitchen, a kitchenette is the perfect solution. It offers just the essentials, allowing you to cook simple meals without taking up too much of your living area.
Minimalist cooks: If your cooking style is more about quick, easy meals or you tend to eat out often, a kitchenette provides exactly what you need without the extras. It’s perfect for those who prefer simplicity and efficiency over elaborate cooking.
Frequent travelers or renters: For those who are often on the move or renting short-term, a kitchenette offers the basic amenities without the commitment of a full kitchen. It’s ideal for vacationers who want to prepare a few meals at home or students looking for a convenient place to whip up a snack between classes.

Types of apartments with kitchenettes

Studio apartments: Many studio apartments, particularly in urban areas, feature kitchenettes to maximize living space while still providing the essential cooking amenities.
Vacation rentals: Whether it’s a beachside cottage or a mountain cabin, vacation rentals often include kitchenettes to allow guests to prepare light meals and snacks during their stay.
Student housing: Dormitories or student apartments frequently come with kitchenettes, offering a practical solution for students who need to prepare meals but don’t have the space or time for a full kitchen setup.

Kitchen are great for:

Culinary enthusiasts: If you’re someone who enjoys experimenting with recipes, trying new cooking techniques, or preparing multi-course meals, a full kitchen is a must. The ample space and full-sized appliances allow you to cook with freedom and creativity, without worrying about running out of room or tools.
Hosts and entertainers: Love having friends over for dinner? A full kitchen offers the perfect setup for hosting. You can easily prepare large meals, serve drinks from the fridge, and still have space for guests to gather and socialize.
Gadget lovers: From blenders to stand mixers, air fryers to espresso machines, a full kitchen has the space to store and use all your favorite kitchen gadgets. If your cooking routine involves a variety of appliances, a full kitchen will ensure everything has its place.

Types of apartments with kitchens

Most homes: Whether it’s a single-family house or a spacious apartment, full kitchens are a standard feature in most traditional living spaces.
Full apartments: Larger apartments often come with a full kitchen, making them ideal for those who want the comforts of a home without sacrificing cooking space.
Larger condos: Many condos, especially in suburban or upscale urban areas, feature full kitchens designed to accommodate the needs of residents who enjoy cooking and entertaining.

Source: apartmentguide.com

Apache is functioning normally

August 26, 2024 by Brett Tams

Indiana is a state rich in history, culture, and natural beauty. Whether you’re living in Indiana or just visiting, there’s always something fascinating to discover. From bustling downtown streets to college town charm, Indiana offers something for everyone. So, whether you’re looking to rent in Indianapolis or searching for an apartment in Bloomington, these fun facts about Indiana will make you appreciate the Hoosier State even more.

1. Indiana is known as the “Crossroads of America”

Indiana has more miles of interstate highway per square mile than any other state. This strategic location makes it a hub for transportation and commerce. The nickname reflects Indiana’s central position in the United States. Major highways like I-65, I-70, and I-74 intersect within the state.

2. The Indianapolis 500 is the largest single-day sporting event

The Indianapolis 500, held annually at the Indianapolis Motor Speedway, attracts over 300,000 fans. The event, often called “The Greatest Spectacle in Racing,” has been held since 1911. It covers 500 miles, with drivers completing 200 laps. The winner receives the iconic Borg-Warner Trophy and drinks a bottle of milk.

3. Indiana’s state bird is the cardinal.

The cardinal, with its bright red plumage, became Indiana’s state bird in 1933. It’s also the state bird of six other states. Cardinals are a common sight in Indiana, especially in wooded areas and backyards. Their distinctive song is a familiar sound in the spring.

4. You can find sand dunes on the shores of Lake Michigan

Sand dunes are probably one of the last things you’d expect to find in a midwestern state like Indiana, but that’s exactly what you’ll find in the northern part of the state, just east of Gary. Indiana Dunes National Park is home to one of the region’s most unique

5. Indiana is the birthplace of the “King of Pop”

Michael Jackson was born in Gary, IN, in 1958. The Jackson family lived in a small house on Jackson Street. Michael began his music career here with his brothers as The Jackson 5 before embarking on a chart-topping solo career.

6. The famous poet James Whitcomb Riley hailed from Indiana

James Whitcomb Riley, known as the “Hoosier Poet,” was born in Greenfield, IN, in 1849. He gained fame for his folksy poems written in the Hoosier dialect. “Little Orphant Annie” is one of his most beloved works. Riley’s influence on Indiana’s literary heritage remains strong. His former home in Indianapolis is now a museum.

7. Indiana has produced five U.S. vice presidents

Indiana is often called the “Mother of Vice Presidents” due to its political influence. The state has produced five U.S. Vice Presidents, most recently Mike Pence. Other notable figures include Thomas Hendricks and Dan Quayle. This distinction highlights Indiana’s significant role in American politics.

8. The Wabash River is the official state river of Indiana

The Wabash River is one of the longest free-flowing rivers east of the Mississippi. It stretches over 500 miles, flowing entirely within Indiana’s borders. The river played a crucial role in the state’s early settlement and development. Today, it’s a vital natural resource and a popular spot for recreation. The Wabash also inspired the state song, “On the Banks of the Wabash, Far Away.”

9. Indiana’s Amish community is one of the largest in the United States

Indiana is home to a significant Amish population, particularly in Elkhart and LaGrange counties. The Amish community in Indiana is known for its traditional lifestyle. They avoid modern technology and maintain strong agricultural roots. Visitors often explore Amish Country to experience their way of life.

10. Indiana has a town named Santa Claus

Santa Claus, IN, is a small town known for its Christmas-themed attractions. The town receives thousands of letters addressed to Santa Claus every year. Volunteers answer each letter, continuing a tradition that began in 1914. The town is also home to Holiday World & Splashin’ Safari, a popular theme park. Living in Indiana can feel magical, especially around the holidays.

11. The world’s first theme park opened in Indiana

Holiday World is also the country’s first theme park. It opened in 1946 as Santa Claus Land, offering a Christmas-themed experience. The park has since expanded to include Halloween and Thanksgiving-themed areas.

12. Indiana has the largest children’s museum in the world

The Children’s Museum of Indianapolis is the world’s largest museum of its kind. It covers over 472,000 square feet with exhibits on science, history, and culture. The museum attracts more than one million visitors annually. It features interactive exhibits, including a full-size dinosaur skeleton. It’s a must-visit destination for anyone looking for things to do in Indianapolis.

13. Indiana is home to the oldest continuously running high school basketball tournament

The Indiana High School Boys Basketball Tournament dates back to 1911. The tournament has become a significant part of the sports culture in a state with a basketball-loving reputation. Known as “Hoosier Hysteria,” it draws large crowds and intense competition. Indiana’s love for basketball is well-known, with high school games often packed. Many famous NBA players, including Larry Bird, started their careers in Indiana.

14. The first professional baseball game was played in Fort Wayne, Indiana

The first professional baseball game took place in Fort Wayne on May 4, 1871. The game was between the Fort Wayne Kekiongas and the Cleveland Forest Citys. Fort Wayne won the game 2-0, making history in America’s pastime. This event marked the beginning of professional baseball in the United States.

15. Indiana is a leading producer of popcorn

Indiana ranks among the top popcorn-producing states in the U.S. The state’s fertile soil and favorable climate make it ideal for growing corn. Many famous popcorn brands source their corn from Indiana farms.

Apache is functioning normally

August 26, 2024 by Brett Tams

I recently came across a simple game on Freecash that said I could make around $300 for playing, so I decided to give it a try. Since I’ve always been curious about whether making money playing games is truly possible (and have wondered how long it takes), I wanted to fully test it out for…

And guess what? It worked!

I earned $302.80 playing Bingo on Freecash on my phone. It took about a week, and I’ve already received the full payment.

What’s even better is that this opportunity isn’t limited to just one game; there are plenty of other games on the Freecash website that have the same potential.

While I’ve already written a detailed Freecash review, I wanted to share this quick update because I wanted to test the gaming side of Freecash myself.

If you’re someone who already enjoys playing games on your phone or if you’re on the lookout for a new side hustle, this is definitely worth checking out. It was surprisingly easy, though it did take a bit of time to make real money playing games.

Click here to sign up for Freecash.

How I Made $302.80 Playing Games on Freecash in Just One Week

Below you will learn all about how I made money playing a game on my phone and what you need to know.

How to get started making money playing games on Freecash

To start making extra money on Freecash, you need to create an account. I signed up by visiting the Freecash website and clicking the “Sign Up” button. I used my email address, but you can also sign up using Google.

Once you have an account, you need to log in. After logging in, you’ll find a dashboard with many game options. I started by choosing a game that seemed fun and easy.

Here’s how to get started making money playing games on Freecash.

Sign up – Create an account on Freecash by clicking here.
Log in – Access your new dashboard.
Choose games – Pick games that interest you.
Get paid – After you reach a certain level, amount of time played, etc. (the reward you get can vary from game to game), you can get paid.

When you first sign up, you’ll only see a few game offers (these are typically their most popular games or best rewards offers). But as you start using them, more will become available. I talked to Freecash about it, and they explained that the offers you see depend on your device, where you are, and other details. You’ll see 1 to 5 offers at first. After you try one, more offers will open up. These first offers change often, based on which ones pay more and how many people are clicking on them.

For me, the game I played was actually the first game offered on a new account (I tested it by creating a brand new account, and the exact game I played and the same rewards were listed).

I enjoyed making extra cash by playing games on my phone. It was a fun way to spend my free time and earn money.

Recommended reading: 23 Best Game Apps To Win Real Money

Proof that I made money playing games on Freecash. The $0.05 amounts were rewards for playing 2 minutes each day. The larger amounts like $40, $70, and $150 were for reaching certain levels.

How much money can you make playing games on Freecash?

The amount of money will vary. Different games have different rewards amounts. And, whether you are playing on your phone or your desktop will change the rewards amount as well.

For example, the Bingo game I was playing was paying around $174 if I played via desktop but a little over $300 if I played on my phone.

Click here to sign up for Freecash.

How long do you have to play games on Freecash?

I spent around 1 to 2 hours a day for around one week in order to make $302 on Freecash.

I think I probably could have sped this up if I would have read the directions of the game, though, as toward the end I finally learned some little tricks that helped me go through the levels faster.

What games can you play to earn money on Freecash?

The games will vary and so will the reward amounts. There are currently 416 games I can play on Freecash and make money with.

There are many popular games that you may already be playing, such as:

Bingo
The Price Is Right
Pool
Solitaire
Scrabble
Yatzy
Word Crush
Blackjack
Crossword
Monopoly

And more.

Did you have to spend money in order to win money in the game app?

No, many of the games (maybe all? or most?) are free to sign up for and give you free daily credits. For me, this was plenty in order to reach each reward. The game I played (and I’m assuming others) had options to buy things, but I did not have to do that.

At one point, I did get an offer from Freecash to spend money in the app.

The offer was: Spend $3 in the app and get $5 back. That was free money, so I decided, “Why not?” – They sent me the money, so that was easy.

Here’s how some other games work:

Free-to-play options – Many game apps that pay real money are free to download and play.
In-app purchases – Some games offer in-app purchases to speed up progress or get special items. I avoided these and still managed to win cash.
Ads – Some of these apps use ads as a way to keep the game free.
Tournaments and competitions – Some games have tournaments that might have entry fees, but there are also free ones.

Why does Freecash pay you to play games?

They pay you to play games for many reasons:

To test out the game apps
So that you will possibly spend money in the app
To get advertising/marketing toward the games

Here’s more info on this:

Freecash pays users to play games because it benefits both the company and the game developers.

First, game developers want more people to try their games. By paying people to play, developers get more users to download and engage with their games. It helps them get more downloads and better reviews.

Second, Freecash partners with these developers. When I play and complete a task in a game, Freecash gets paid by the developers. Then, Freecash shares a part of that payment with me.

Playing games isn’t just for fun; it’s a big business too. Advertisers and developers are willing to spend money to get more people hooked on their products.

What other ways can you make money with Freecash?

Besides playing games on my phone, Freecash offers several other ways to make money.

Surveys – One of the easiest ways to earn is by taking surveys. These can be on topics like shopping habits or favorite brands. Each completed survey adds money to your account.
Online tasks – You can also make money by completing different online tasks. These tasks can include signing up for new websites, watching videos, or even trying out new apps.
Offers – There are special offers where you can earn by signing up for free trials or services.
Referral program – You can refer friends to join Freecash. When they sign up using your referral link, you earn a percentage of what they make.
Daily rewards – Freecash also has daily rewards and bonuses. For example, they have a leaderboard. A couple of the days, I was actually in the top 100 due to the amount that I earned from playing games. I earned a few extra points this way.

These methods make it easy to earn extra cash on Freecash. Each option provides flexibility, so you can choose what works best for you.

Frequently Asked Questions

Here are some common questions people ask about making money by playing games on Freecash.

Can you really make money on Freecash?

Yes, you can make money playing games on Freecash. I made $302.80 using Freecash. This app has many different tasks and games that pay you for your time.

Does Freecash pay for playing games?

Yes, Freecash pays you to play games. You earn points for completing game tasks, which can be redeemed for cash or gift cards.

Can you make money from free games?

Yes, many free games pay rewards or points that you can turn into money. Always read the terms and conditions to know how payouts work.

What are some real apps that pay you to play games on your phone?

Some real apps I have used include Freecash, KashKick, Swagbucks, and InboxDollars. These apps have legit ways to make extra cash by playing games.

Can you actually make cash by playing games on your iPhone or Android?

Absolutely, you can make money playing games on your iPhone or Android. Both iPhone and Android have many different apps where you can receive money by playing games. Always make sure the app is trustworthy before investing your time, though.

How I Really Made Money Playing Games on Freecash – Summary

I hope you enjoyed this article on how I really made money playing games on Freecash.

Making $302.80 by playing games on my phone on Freecash was both fun and rewarding.

I was very surprised by how easy it was to make money playing games on Freecash, and I still can’t believe I made $302 in just one week of playing such an easy game too – Bingo.

Click here to sign up for Freecash.

Have you ever tried making money playing games on your phone? What was the result?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

August 26, 2024 by Brett Tams

The Robinhood Gold Card was unveiled in March 2024 by the investment app Robinhood and issuer Coastal Community Bank.

Made of stainless steel and weighing in at 17 grams, the card aims to keep up with fancy premium metal credit cards that offer lucrative benefits — and it can certainly deliver that, earning an industry-leading 3% cash back on most purchases. Historically, a 2% flat rate on everything has been as good as it gets for products in this class, especially among no-annual-fee cards like this one.

Still, there are hurdles to accessing the Robinhood Gold Card. First, you must be a Robinhood Gold member to qualify for it, and that’s not free — although with a 3% rewards rate, it won’t be difficult to offset that cost. Secondly, as of this writing, if you’re interested in applying you must “reserve your spot” online and wait for an invitation “when it’s time.” The card has been slowly shipping to those who joined that waitlist when it debuted, but the rollout has been uneven, and it’s not clear when applicants can expect to receive their cards.

And despite that juicy 3% rate, one thing you won’t get with the card? A lucrative sign-up bonus.

Here’s what you need to know about the Robinhood Gold Card.

1. It offers an uncommonly high rewards rate

As a cardholder, you’ll earn an uncapped 3% cash back on all purchases, aside from travel booking completed through Robinhood’s travel portal, which earns 5% back.

Rewards are issued as points you can redeem at a value of 1 cent apiece for a cash deposit into a Robinhood brokerage account, a statement credit, travel booked through Robinhood’s portal, gift cards purchased through the portal, and shopping with eligible retailers through the portal. To redeem points in these ways, you must have downloaded and installed the latest version of the Robinhood credit card app. (Note that the credit card app is separate from Robinhood’s primary investing app.)

A flat and unlimited 3% rate on most purchases is almost unheard of for cards like this, with the possible exception of some smaller banks and credit unions. That means rewards will accumulate faster if you use the Robinhood Gold Card to cover most purchases — as long as you pay off the card in full each month to avoid interest charges. With an APR that can range as high as nearly 30% (as of August 2024), carrying a balance on this card will be costly.

If you’re looking for cards with even higher rewards rates, you can find them, at least in certain spending categories. The U.S. Bank Cash+® Visa Signature® Card, for instance, gets you 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose (from a list of 12); 5% back on prepaid air, hotel and car reservations booked directly in U.S. Bank’s Rewards Center; 2% back on an everyday category you choose; and 1% back on all other eligible purchases. It has a $0 annual fee and comes with a sign-up offer for new cardholders: Earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.

2. There’s a waitlist

Getting on the waitlist to reserve the Robinhood Gold Card doesn’t require much effort. You can visit the card’s website to get in line by providing your email address. No other information is required at that stage.

The company has begun rolling out the card to people on the waitlist who are Robinhood Gold members, but it has not yet provided a specific date as to when all applicants can expect their cards to arrive in the mail. It’s also unclear as to whether the waitlist will remain a requirement for all applicants.

If you don’t want to wait for a credit card with good rewards on everyday spending, consider other $0-annual-fee products like the Capital One SavorOne Cash Rewards Credit Card or Wells Fargo Active Cash® Card. The Capital One SavorOne Cash Rewards Credit Card offers 3% back on dining, eligible streaming services, grocery stores and entertainment, as well as 1% back on all other purchases. The Wells Fargo Active Cash® Card offers 2% cash back on all purchases.

3. A Robinhood Gold membership is required

The Robinhood Gold Card doesn’t have an annual fee, but you will have to be a Gold member to qualify for it, and that comes with a $5 monthly fee. If you opt to pay annually, the cost is $50.

The card’s 3% rewards rate alone makes it easy to offset the cost of that fee, and that’s before considering the other perks that Gold membership can offer, such as a 5% APY on uninvested cash, a 3% match on Robinhood retirement IRA contributions, a 1% deposit boost on new eligible deposits, and more. Terms apply.

4. Features increase safety and convenience for shopping

The Robinhood Gold Card offers a variety of helpful features — some not always available on other cards — that make it easier to manage your spending. As a cardholder, you can expect access to these options:

Virtual cards: The card comes equipped with disposable card numbers that may be used as virtual cards that provide an added security option when shopping online.
Options to simplify free trials and subscriptions: The card offers a way to cancel subscription payments, end free trials automatically, and authorize cards for one-time use.
Family-friendly features: You can add up to five family members to the account as cardholders, regardless of their age. Everyone added receives their own card, and you can set spending limits, track their spending and lock lost cards instantly.
An app with helpful visuals: You’ll manage the card in an app that, again, is separate from Robinhood’s main investing app. Through the app you can get a financial overview of your spending patterns, real-time spending insights and more.

5. Travel-friendly features

While the Robinhood Gold card can be an ideal cash-back credit card, it also has elements of a decent travel credit card. In addition to the 5% back on travel through Robinhood’s travel portal, the card offers a lengthy list of travel benefits, and it doesn’t charge foreign transaction fees.

As of August 2024, you’ll get trip interruption reimbursement, an auto rental collision damage waiver, extended warranty protection, return protection, roadside dispatch, travel and emergency assistance, Visa Signature concierge service, and purchase security. As is the case with any credit card, though, these benefits may change over time.

If, however, you want a truly travel-focused card with more perks, consider the $95-annual-fee Chase Sapphire Preferred® Card. It earns 5 points per dollar spent on all travel purchased through Chase; 3 points per dollar spent on dining, select streaming services and online grocery purchases; 2 points per dollar spent on travel not purchased through Chase; and 1 point per dollar spent on all other purchases. The card also comes with a $50 annual credit on hotel stays purchased through Chase, plus points take on more value when you redeem them for travel through Chase. On top of that, you’ll get access to multiple travel partners, which can help your points go further. And unlike the Robinhood card, there’s a generous sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Source: nerdwallet.com