Industry experts point to potential rate cuts by the Federal Reserve as a driving force behind the recent activity. Lenders appear to be pricing in these anticipated reductions, and market volatility may follow depending on the Fed’s decision. “We could see additional short-term market volatility as the Fed considers a 25 or 50 basis point … [Read more…]
Are you looking for the best fall side hustles? Fall is a great season to start thinking about ways to make some extra money. With cooler weather and cozy vibes, it’s a great time to find new ways to make money. If you need extra cash for holiday shopping or want to save more, there…
Are you looking for the best fall side hustles?
Fall is a great season to start thinking about ways to make some extra money. With cooler weather and cozy vibes, it’s a great time to find new ways to make money. If you need extra cash for holiday shopping or want to save more, there are many side jobs that are perfect for the fall season.
Many of these jobs can be done from home or in your local area. The best part is, you don’t need a lot of experience or money to start. There are many ways to use your skills and free time to make cash.
Best Fall Side Hustles
Below are the best fall side hustles.
1. Work at a pumpkin patch
Working at a pumpkin patch is a fun way to make some extra money in the fall. Pumpkin patches usually hire seasonal workers, which means the job won’t last too long. It’s perfect if you’re looking for something short-term.
You could help customers pick out their perfect pumpkin, help in setting up displays, and ring up customers.
It’s usually busy on weekends, so you might have a lot of customers to help.
Check your local farms or community centers for job openings. They tend to start hiring before the season begins.
2. Participate in paid online surveys
Taking paid online surveys is a great way to make extra cash without much effort. You can do it from home, on your phone, or whenever you have free time. Companies need your opinions to improve their products and services, so they’re willing to pay for your feedback.
Paid online surveys can be a fun and easy side hustle. While you won’t get rich from them, they can definitely help you make a bit of extra spending money. Plus, they fit into your schedule whenever you have some spare time.
The survey companies I recommend signing up for include:
Survey Junkie
Prime Opinion
Swagbucks
Branded Surveys
American Consumer Opinion
Five Surveys
PrizeRebel
InboxDollars
I’ve done lots of surveys over the years, and 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.
3. Sell crafts on Etsy
If you love creating things, selling crafts on Etsy is a great fall side hustle. Many people go to Etsy to find handmade items that are unique and special. I shop on Etsy all the time and it’s because I know that I can find one-of-a-kind gifts on the site.
Fall is a perfect time to sell your crafts, and you can think about making items like wreaths, pumpkin decorations, or knitted scarves. People love decorating their homes for the season.
You can also try making Thanksgiving table decor or fall-themed wall art. These items are very popular and can sell quickly.
4. Work at an apple orchard
Working at an apple orchard can be a fun and rewarding side hustle in the fall.
Many orchards need extra help during the harvest season, which usually runs from late summer to early winter. You can find jobs picking apples, helping customers, or even working at a cider mill.
Most orchards pay by the hour or by the bushel, so you can earn a decent amount of money depending on how many hours you work or how fast you pick.
Check with local orchards or look online for job openings. Some places may have flexible hours, which is perfect if you’re balancing other commitments.
5. Dog walking or pet sitting
Dog walking is a fun way to earn extra money, especially in the fall. The weather is cooler, and both you and the dogs will enjoy the fresh air. Many people need dog walkers because they are busy or unable to walk their pets. This makes it a great side hustle for animal lovers.
You can make good money walking dogs, typically around $15 to $30+ per hour.
There are apps like Rover that connect you with pet owners who need help. Signing up is usually quick and easy, and I personally know dog walkers on Rover who make extra money (my mother-in-law as well as my sister!).
6. Tutoring kids
Tutoring kids can be a terrific fall side hustle. If you are good at teaching, it’s a great way to earn extra money. Many parents look for tutors for subjects like math, science, or reading.
Tutoring isn’t just for older kids. Younger children also need help with basic skills. And don’t forget, you can tutor in fun subjects too, like arts and crafts.
Tutoring pays well. Some tutors earn around $25 to $35 an hour, depending on the subject and their experience.
7. Rent a room on Airbnb
Renting a room on Airbnb is a popular side hustle in the fall. If you have an extra room, you can list it on Airbnb for travelers to book.
Of course, to start, you’ll want to check if short-term rentals are allowed in your area. Some cities have rules about this, so you don’t want to get in trouble for breaking any laws.
Then, you’ll want to get your room ready (make it comfortable with fresh sheets, towels, and clean up the area), take good pictures to display on Airbnb, and set a fair price.
8. Freelance writing
Freelance writing is a great fall side hustle from home. You get to write for different clients, which means your work can include articles, blog posts, website content, and more.
One of the top benefits of freelance writing is flexibility. You can work from home, a cafe, or anywhere you’re comfortable. This makes it easy to fit freelance writing into your fall schedule, whether you have other commitments or just want more control over your time.
Freelance writers can get paid per word or per project. Beginners might start at lower rates, but experienced writers can make good money. For example, writing a 1,000-word article might earn you $50 to $350 depending on your skill and the client.
9. Coach a fall school sport
Coaching a school sport in the fall is a great side hustle. You can share your love for the game while earning extra cash. Schools often look for experienced players to lead their teams.
This job usually happens after school, so it won’t clash with a regular nine-to-five job. You could coach sports like soccer, football, or cross-country.
10. Photography sessions
Fall is a beautiful time for photography. The changing leaves and glowing sunsets make perfect backdrops. If you enjoy taking photos, you can turn this hobby into a side hustle. Families, couples, and even pet owners love to capture memories with autumn colors.
I know many people who take family photo sessions in the fall, and I am actually trying to get one booked right now. The fall is a very popular time for photos, especially because many people use these pictures for holiday cards that they send out.
You can offer short, themed photo sessions. These are called mini-sessions and can last between 20 to 45 minutes. They are popular because they don’t take much time but still capture great moments (and are affordable for families).
You can promote your mini-sessions on social media or through local community boards. Show examples of your past work to attract clients, and even having a few props like pumpkins or cozy blankets can make your sessions even more special.
Recommended reading: 18 Ways To Get Paid To Take Pictures
11. Halloween costume shop
Starting around September, everyone starts thinking about Halloween. And, that includes costume shops!
These typically start popping up and usually last from around September to early November, so that means they need temporary workers.
They need workers to ring people up, stock the shelves, decorate, and more.
12. Virtual assistant
Being a virtual assistant is a fun and flexible way to make money. You can work from home, set your own hours, and choose who you want to work for. This side hustle can fit around your schedule, whether you want part-time work or a full-time job.
Virtual assistants manage social media, schedule appointments, handle emails, or do data entry. Basically, they help with any tasks that someone doesn’t have time to do themselves. This job is very important for keeping businesses running smoothly.
The pay for virtual assistants can be really good. Beginners usually start at around $15 to $20 per hour. With experience, you can make more, even reaching $50,000 a year or more. The more skills you have, the more you can earn.
I was a virtual assistant for several years, and it was a great side hustle. I learned many things by working for small businesses, and it was a great and flexible side hustle.
13. Social media management
Social media managers help businesses or influencers run their social media accounts, such as Instagram, Facebook, TikTok, or their YouTube channel. This includes creating posts, responding to comments, and analyzing engagement.
You don’t need a degree to do this job. Being good at social media and having some creativity can be enough. Small businesses usually need help, especially during busy holiday seasons.
14. Rake leaves
Raking leaves is a great way to earn extra cash in the fall. Many people don’t have the time or energy to do it themselves, especially if they have big yards or a lot of leaves.
You don’t need a lot to get started either with this side hustle idea. A good rake and sturdy bags are pretty much the essentials. You might also want gloves to protect your hands. Working in your neighborhood can be a smart move since you won’t have to travel far.
Timing is important and many homeowners want their yards cleared before the first snowfall. Letting people know early in the season can help you get clients (such as by posting flyers or making social media posts).
15. Become a rideshare driver
Driving for rideshare services like Uber or Lyft can be a great way to earn extra money. With this gig, you can choose your own hours and work as much or as little as you need, such as only during the fall months.
The pay can vary. Earnings might depend on your location, demand for rides, and tips from passengers. Some drivers also earn bonuses for completing a certain number of rides in a set time.
16. Gutter cleaning
Gutter cleaning is a great side hustle idea in the fall. With leaves falling, many homeowners need help keeping their gutters clear. Clean gutters prevent water damage to homes.
You don’t need much to start. A good ladder and some basic tools are usually enough, especially in the beginning.
17. Babysit
Babysitting is a great way to make extra income, especially in the fall when parents are busy with school routines and holiday planning. You can earn good money while working flexible hours that fit your schedule.
By babysitting, you can enjoy a flexible side hustle that fits around other responsibilities or activities you may have.
18. List your storage space
Do you have extra space in your garage or attic? You can make money by renting it out to others who need storage!
Many people look for storage solutions in the fall. They need space for their summer items like RVs, boats, and outdoor furniture, as an example. Listing your storage space can help them and put extra cash in your pocket.
You can use websites like Neighbor or Craigslist to list your space. These platforms make it easy to connect with people in need of storage.
19. Mystery shopping
Mystery shopping is a fun way to earn some extra cash and get free stuff. Here, you act like a regular customer while secretly noting down details about your experience. Companies hire mystery shoppers to check how well their services work.
You’ll find tasks like visiting restaurants, checking out stores, or making phone calls. Payment methods can be cash, gift cards, or reimbursements. Most shoppers earn about $10 to $50 per assignment.
One great company to start with is BestMark. They have lots of jobs like shopping at clothing stores or dining at restaurants. This is the secret shopping website that I have used many times in the past, so I know that they are real.
20. Firewood delivery
Firewood delivery can be a great way to make extra money in the fall. As the weather cools down, more people start needing firewood to keep warm.
Having a truck or trailer is important for transporting the wood. You can charge extra for delivery, making your service even more profitable.
Now, this isn’t an easy job. Loading and unloading firewood as well as chopping it is hard work. But, it can give you a way to make extra income in the fall.
21. Haunted house
One of the most fun fall side hustles is to find a job at a haunted house. Haunted houses usually start popping up in September, and many times they are in desperate need of workers.
Working at a haunted house can be really fun, and there are lots of different jobs you can do!
Some people work as actors, wearing scary costumes and makeup to scare visitors. Others work as guides, leading guests through the haunted house and keeping everyone safe. Makeup artists create spooky looks for the actors. Some people set up sound effects, lights, and special effects to make the haunted house scarier. There are also jobs for handling tickets, marketing, and other tasks to keep the haunted house running smoothly.
I have several friends who love working at haunted houses, and they’ve been doing it for years.
22. Seasonal decor installation
As the leaves change colors, many people want to decorate their homes for fall. If you have a good eye for design, you can make money by helping them set up seasonal decorations – this can include Halloween decorations and even installing holiday lights on a house for Christmas.
People are often busy preparing for holidays, so your service can save them time and effort. You can charge by the hour or by the project.
Frequently Asked Questions
Finding a fall side hustle can be easy and fun. From working at pumpkin patches to selling crafts online, there’s something for everyone. Here are some commonly asked questions about fall side hustles.
What are some easy side jobs to do from home during the fall season?
Taking online surveys is a simple way to make extra money. You can also sell crafts on Etsy. If you have a skill like graphic design or writing, freelancing can be a good option too.
Can you list outdoor activities that can earn money in the cold months?
Working at a pumpkin patch or an apple orchard can be enjoyable and help you make extra income. Dog walking is another great idea. These activities allow you to spend time outside while earning some extra cash.
What strategies can help a landscaper keep earning in the winter?
Landscapers can provide snow removal services, such as to homes and businesses. Another option is providing outdoor holiday decoration services. These strategies can help keep the income flowing even when it’s cold.
How can I make an extra $2000 a month?
Combining several side hustles can help you reach your goal of making $2,000 per month. You can take online surveys, sell crafts on Etsy, and work part-time at places like pumpkin patches or apple orchards. Diversifying your efforts makes it easier to hit your target income.
Best Fall Side Hustles – Summary
I hope you enjoyed this article on the best fall side hustles.
There are many ways to make money in the fall, such as working at a pumpkin patch or haunted house, answering online surveys, dog walking, tutoring, freelancing, and more.
Making extra money is great, and it can help you save for the holidays, stop living paycheck to paycheck, pay off your debt just a little more quickly, and more.
What do you think are the best side hustles in the fall?
Wyoming is a state filled with natural beauty and fascinating history. Whether you’re looking to rent in Cheyenne or searching for an apartment in Casper, living in Wyoming offers a unique experience. From its vast landscapes to its small-town charm, there’s much to discover about the Cowboy State. Here are some fun facts about Wyoming that might surprise you.
1. Yellowstone National Park is the first national park in the world
Established in 1872, Yellowstone is a symbol of America’s natural heritage. It spans over 2 million acres and hosts diverse wildlife. Geysers, hot springs, and the iconic Old Faithful are just a few highlights. The park’s creation set the precedent for preserving natural wonders across the country.
2. Wyoming was the first state to grant women the right to vote
In 1869, Wyoming made history by giving women the right to vote. This bold move earned it the nickname “The Equality State.” Wyoming’s commitment to equality continued when it elected the first female governor in the U.S.
3. The state is home to the smallest population in the U.S.
With fewer than 600,000 residents, Wyoming has the smallest population of any U.S. state. Despite its size, Wyoming is known for its tight-knit communities and wide-open spaces. The lack of crowding offers residents a peaceful, close-to-nature lifestyle. You’ll rarely find traffic jams in Wyoming’s towns.
4. Devils Tower was the first declared United States National Monument
In 1906, President Theodore Roosevelt designated Devils Tower as the first national monument. This striking rock formation rises 867 feet from its base. It holds cultural significance for Native American tribes and attracts climbers and tourists alike.
5. The cowboy spirit is alive and well in Wyoming
Wyoming is known for its cowboy culture, and ranching and rodeos are integral parts of the state’s identity. Wyoming hosts the Cheyenne Frontier Days, the largest outdoor rodeo. Cowboys and cowgirls from all over compete in this week-long event. Wyoming’s Western heritage is celebrated year-round in towns across the state.
6. The Wind River Range has some of the best rock climbing in the country
For adventure seekers, the Wind River Range is a climber’s paradise. The range offers challenging routes and breathtaking scenery. The Cirque of the Towers is a particularly popular spot. This rugged area attracts climbers from around the world.
7. Wyoming produces more coal than any other state
Wyoming is the leading coal producer in the United States. The state’s vast coal reserves contribute significantly to its economy. Nearly 40% of the country’s coal comes from Wyoming’s mines. The industry provides jobs and supports local communities. Despite shifts in energy trends, coal remains vital here.
8. Jackson Hole has one of the steepest vertical drops in North America
Ski enthusiasts flock to Jackson Hole for its challenging terrain. The mountain’s vertical drop of 4,139 feet is among the steepest on the continent. Jackson Hole’s slopes attract world-class skiers and snowboarders. The resort also offers stunning views of the Teton Range.
9. Wyoming has the lowest population density in the lower 48 states
With only six people per square mile, Wyoming offers plenty of space to spread out. This low density provides a sense of solitude and freedom. It’s ideal for those seeking a quieter, more private lifestyle. The open landscape enhances the feeling of living in harmony with nature.
10. The state has a strong tradition of ranching and farming
Agriculture plays a crucial role in Wyoming’s economy and culture. Cattle ranching, in particular, has deep roots in the state. Wyoming’s wide plains are perfect for raising livestock. The state also produces significant amounts of hay, barley, and wheat. Ranching families often pass their traditions down through generations.
11. The University of Wyoming is the only four-year institution in the state
Founded in 1886, the University of Wyoming is a cornerstone of education. Located in Laramie, it serves students from across the state and beyond. The university offers diverse programs and has a strong focus on research. It’s also home to the state’s only law school.
12. Wyoming is a top destination for stargazing
The state’s low light pollution makes it ideal for observing the night sky. Areas like the Snowy Range and Bighorn Mountains offer spectacular views. Stargazers can see the Milky Way with the naked eye. Wyoming’s clear skies and high elevations enhance the experience.
13. The Wyoming state flag was designed by a local resident
The distinctive flag, featuring a bison and the state seal, was designed by Verna Keays. In 1917, the design was selected in a statewide contest. The bison symbolizes Wyoming’s wildlife and frontier heritage.
14. Wyoming is a major producer of natural gas
Natural gas production is a significant part of Wyoming’s energy sector. The state ranks among the top 10 producers in the nation. Wyoming’s gas fields contribute to both local and national energy supplies. This industry plays a key role in the state’s economy. It’s another example of Wyoming’s natural resource wealth.
15. Wyoming’s Old West history is preserved in numerous museums
The state’s rich history is showcased in its many museums. Places like the Buffalo Bill Center of the West in Cody offer immersive experiences. These museums preserve the stories of Wyoming’s early settlers, Native American tribes, and cowboy culture. They provide valuable insights into the state’s past. Visitors can step back in time and explore the Old West.
Citi released the 5% quarterly category for the fourth quarter of 2024 (activation required):
Restaurants
Citi Travel – hotels, car rentals, and attractions (excluding air travel) booked through the Citi Travel site at CitiTravel.com or by calling 1-833-737-1288
Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter or you can save the entire amount for a different quarter, or you can use part up each quarter.
Looking to buy a manufactured home, a boat, or a piece of equipment for your business? You may need a chattel mortgage.
Chattel mortgages are used to finance movable assets separately from the land they occupy. They come with a higher cost than a traditional mortgage, so manufactured home dwellers who qualify for a standard mortgage will save money by choosing that route.
Here’s what you need to know about how chattel loans work and when you might want to look for alternative financing.
What Is a Chattel Mortgage?
First of all, a chattel mortgage is used for personal property, not real property. Real property includes land and property that cannot be easily removed from the land.
When a chattel mortgage is used for a large, movable asset like a manufactured home — called a mobile home before June 15, 1976 — or a piece of equipment (the “chattel”), the asset is held as collateral on the loan. If the borrower defaults on the loan, the lender can recoup costs by selling the asset.
A chattel loan may have a lower interest rate than an unsecured personal loan but a higher rate than a traditional mortgage.
How Does a Chattel Mortgage Work?
Chattel mortgages are used in two main instances: when an asset can be moved or when the land the asset sits on, or will, is leased. (In fewer cases, a chattel loan may be used when a borrower doesn’t want to encumber their owned land with a loan, as when land is owned jointly in a trust.)
Applying for a chattel loan is similar to applying for other types of loans, such as home equity loans and personal loans. The lender will look at your creditworthiness and ability to repay the loan before making a decision.
Chattel loans are typically small, with relatively short terms, but usually require no appraisal, title policy, survey, or doc stamps (the documentary stamp triggers a tax in certain states).
Recommended: First-Time Homebuyer Guide
What Are Chattel Loans Used For?
Here are some of the most common applications for chattel loans.
Manufactured Homes
Manufactured homes are built in a factory on a permanent chassis and can be transported in one or more sections. Formerly known as mobile homes, they’re designed to be used with or without a permanent foundation, but must be elevated and secured to resist flooding, floatation, collapse, or lateral movement.
Many are titled as personal property. Manufactured housing that is titled as personal property or chattel is only eligible for chattel financing.
When a manufactured home is titled as chattel, you’re also going to pay vehicle taxes to the Department of Motor Vehicles instead of property taxes.
Many consumers may encounter a chattel loan at the sales office of a manufactured home builder. They’re convenient with quick closing times, but come with a higher interest rate and a shorter term than most traditional mortgages.
This makes the financing cost of the manufactured home high, even if the payment is low thanks to the lower cost of a manufactured home compared with a site-built home. Around 42% of loans for manufactured homes are chattel loans, according to the Consumer Finance Protection Bureau.
When you own a manufactured home and rent the land it occupies, such as in a mobile home park, you will need a chattel mortgage, except when an FHA Title I loan is used.
Tiny Houses
A chattel mortgage may be used for tiny house financing when the tiny house is not affixed to a permanent foundation and/or when the land is leased.
Tiny houses are usually too small to meet building codes for a residential home, so even if the home is on a foundation and on owned land, a traditional mortgage is almost always out of the question. Even if Fannie Mae or FHA allows the property, the lender won’t.
Tiny houses on foundations are usually classified as accessory dwelling units.
Vehicles
A chattel loan may finance assets that are not permanently affixed to the property, such as vehicles. Dump trucks and construction vehicles may qualify.
Equipment
A chattel loan can be used to purchase large equipment for a business, such as a forklift or a tractor. Even livestock can be purchased with a chattel loan.
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
How Much Does a Chattel Mortgage Cost?
Chattel mortgages are more expensive than many other different mortgage types. The Urban Institute concluded that chattel loans were substantially more expensive than non-chattel loans. Owners of manufactured homes would spend thousands more per year in interest compared with a traditional mortgage.
These types of mortgages are not being purchased by Fannie Mae or Freddie Mac on the secondary mortgage market. When a conventional mortgage is purchased by one of these entities, the loan originator obtains more liquidity and can provide more loans to more people. This drives the cost of the mortgage down.
A chattel mortgage, on the other hand, must stay on the books of the lender, making the loan riskier and more expensive. If you qualify, you might want to consider refinancing your chattel mortgage into a traditional mortgage.
Recommended: Home Loan Help Center
Chattel Mortgage vs Traditional Mortgage
To qualify for a conventional or government-backed mortgage instead of a chattel mortgage, you must own the land your home sits on, the home must be permanently affixed to a foundation, and it must have at least 400 square feet of living space (600 for Fannie Mae’s conventional loan for manufactured homes).
Mobile homes built before June 15, 1976, will not qualify for a mortgage loan. A personal loan is about the only option.
You must also meet all other requirements set forth by the lender to qualify for a traditional mortgage. A mortgage calculator tool can help with this.
For some types of assets, a chattel mortgage may be a good option to consider. Take a look at the major differences.
Chattel Loan
Traditional Mortgage
For movable property only
Includes the land and all attached structures
May have a lower interest rate than an unsecured personal loan
Usually has a lower interest rate than a chattel mortgage
Shorter terms (e.g., 5 years)
Longer terms (e.g., 15 years, 30 years)
Lower origination fees
Higher loan fees
Shorter close time
Longer close time
Lender holds the title, which is only given to the buyer when it is paid off
Lender holds a lien on the property, not title
Pros and Cons of a Chattel Mortgage
A chattel mortgage is more expensive than a traditional mortgage, so anyone who can qualify for a traditional mortgage may wish to pursue that option first. It’s not all bad news for chattel mortgages, though, especially for other types of property where a chattel loan is desirable.
Pros
Cons
Lender only has a security interest in the movable property, not the land
If you default on the loan, the lender can take your asset. Also, the lender owns the asset until the loan is paid off
Taxes may be lower on property titled as “chattel” rather than “real” property
Higher-cost loan than a traditional mortgage
Possible faster close and lower loan fees than a standard mortgage
Fewer consumer protections. Chattel loans are not covered by the Real Estate Settlement Procedures Act or CARES Act
Lower interest rate than a personal loan
Higher interest rate than a traditional mortgage
Pays down more quickly than a traditional mortgage
Shorter term may create higher payments
Interest paid is tax deductible
Interest paid is also tax deductible with a traditional mortgage
Consumer Protection and Chattel Mortgages
Chattel mortgages on manufactured homes are a special concern to the Consumer Financial Protection Bureau because that type of housing:
• Serves an important role in low-income housing
• Is typically taken on by financially vulnerable people
• Has fewer consumer protections
Manufactured home sellers often have an on-site lender where borrowers can walk away with a chattel loan the same day as the home purchase. In certain scenarios, though, better financing options might be available.
The Takeaway
Buying a manufactured home or a piece of heavy equipment? A chattel loan could be the answer. If, though, you are buying a manufactured home and own the land, a traditional mortgage makes more sense than a chattel mortgage.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
Where can I get a chattel loan?
Lenders specializing in chattel or manufactured housing loans will offer this type of loan.
How much does a chattel mortgage cost?
The interest rate of a chattel mortgage could be several percentage points higher than that of a standard mortgage loan.
What happens at the end of a chattel mortgage?
When a chattel mortgage is paid off, the borrower receives legal title to the property or asset borrowed against. It’s also possible for landowners with permanently affixed manufactured homes to refinance into a traditional mortgage to end their chattel loans.
Is a chattel mortgage tax deductible?
A chattel mortgage qualifies for the same tax deductions that a traditional mortgage does. This includes a deduction on mortgage interest paid throughout the tax year.
Photo credit: iStock/MicroStockHub
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SoFi Mortgages Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
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The Denver Capital One Lounge, located in Denver International Airport, is a great place to visit if you’re looking for complimentary food and drinks on-the-go.
It features a buffet of thoughtfully curated dishes with elevated ingredients (like ground bison sloppy joes). And unlike most lounges, it actually encourages you to take food to-go. Paper bags placed next to the cookies suggest it’s okay to bring some with you on your flight. At the front entrance, there’s a wall of prepackaged food like sandwiches. Employees hand out bags to fill with your to-go treats.
While Capital One lounge access is primarily touted as a complimentary perk for Capital One Venture X Rewards Credit Card and Capital One Venture X Business cardholders, anyone can enter this airport lounge for a fee. And because it’s not actually that exclusive, the lounge can get pretty crowded, so it’s not always as relaxing as perhaps it should be. But if you can get past the crowds, it’s a worthwhile stop.
Denver Capital One lounge location
The lounge is located in Concourse A on the airport’s mezzanine level. It’s open daily from 5 a.m. until 9 p.m.
Spaces to relax and work
The lounge spans a single floor on the mezzanine level of the main airport terminal. Most visitors stay in the common areas, which have food, drinks and other amenities.
If you want a separate area, you can reserve a private work space or a small conference room. Though they’re free to reserve, expect to join a waitlist — as there are typically more people seeking private workspaces than rooms available. You can ask to join the waitlist at the front desk.
There are also individual phone booths, though they generally get snapped up quickly. Other spaces in the Capital One Lounge include a parents room (typically for nursing) and a relaxation room with a pod-like nap chair.
In other open seating areas, there’s bar seating, counter seating, seating at tables and lounge-like seating in plush couches.
Bathrooms
Bathrooms are sleek, clean and decked out with wall art. Ambient music plays on the bathroom speaker. The two shower suites are available on a first-come, first-served basis.
The problem? Heavy crowds coupled with not very many bathrooms means there’s usually a line.
Plan on visiting the general airport bathrooms before stopping into the Capital One Lounge. For what it’s worth, the Denver International Airport bathrooms are among the best airport bathrooms you’ll find. They’re even scented via an air freshener that smells like a winter forest.
Food and beverage options
The food and drinks offered in the Denver Capital One Lounge are among the best you’ll find in any airport lounge, comparable in quality to what’s served in top-tier competitors like the AmEx Centurion Lounges.
Buffets
Portions are served on small plates. As is the case with all Capital One airport lounge locations, dishes are curated to the region. In Denver, the star entree is the Colorado ground bison sloppy joe served on a brioche bun.
The sides are just as intriguing, such as the mac and cheese with smoked gouda, cheddar cheese and bacon. There’s also a bacon-free option. Healthier sides include lemon-garlic broccolini, plus an assortment of salads.
Mornings feature a hot breakfast menu, with items such as mini Dutch pancakes with blueberry compote and polenta with white cheddar cheese, chorizo and chives.
There’s also no shortage of sweets, which include brownies, cookies (some with unexpected flavor combinations, like the chocolate chip lavender cookies) and honey-pistachio baklava. In the mornings, there’s an array of croissants, muffins and scones.
Bar
The Denver Capital One Lounge’s centerpiece is the staffed bar, which takes up most of the main dining area.
Beer comes from local breweries, including Cerveceria Colorado, Upslope Brewing Company and Odell Brewing Company. Capital One partnered with Denver-based bar Yacht Club to develop cocktail recipes, most of which use liquor from Colorado companies. There are also zero-proof options.
Almost all the alcohol is complimentary, save for a handful of top-shelf options. Capital One calls it the “Rare Bottle Club.” For an additional $10 to $20, you’ll get a 2-ounce pour of high-end spirits.
Coffee and non-alcoholic options
The coffee and tea options are unremarkable, with some standard tea bags and carafes of La Colombe drip coffee, served alongside a variety of milk options. You can also order espresso drinks like lattes or cappuccinos at the bar.
While the coffee bar falls a bit flat, the soda bar is an absolute delight. Unlike usual soda fountains of Coca-Cola or Pepsi products, Capital One serves soda flavors like pineapple cream, black cherry with tarragon and lemon berry acai.
Takeout food
Perhaps the most notable part of the Capital One airport lounges is the takeout section.
While other airport lounges slap up signs reminding guests that all food must be consumed in the lounge, Capital One actively encourages you to take food to-go.
The lounge’s entrance features a wall of prepackaged foods designed to travel. There are sandwiches and wraps, as well as assorted cups filled with things like fruit, pudding and hummus. There are also canned beverages and boxed water.
When I was there, employees eagerly handed out bags to fill with to-go food.
The Denver Capital One Lounge is often crowded. On both of my recent visits, it was difficult to find a seat. But no matter where you sit, you’ll usually have access to a power outlet.
During one of my visits to the lounge, there was a queue to get inside. But employees were offering travelers the option to simply take a grab-and-go bag, rather than wait to get inside the full lounge, which was a good alternative.
Use the Capital One app to ditch the line
If you’re a Capital One Venture X Rewards Credit Card or Capital One Venture X Business cardholder, you can join the waitlist for the Denver Capital One Lounge (and other Capital One lounges) on the Capital One app. Navigate to the Rewards & Benefits tile, and tap the airplane icon.
From there, you can select a specific from the Capital One lounge locations and view the capacity. Then, you’ll receive a text notification when it’s your turn to enter. To minimize waiting time, you might want to join the waitlist before you arrive.
If you don’t have the Venture X and Venture X Business cards, you’ll still have to wait in the physical line.
How to get into the Capital One Lounge
If you hold a Capital One Venture X Rewards Credit Card or Capital One Venture X Business card, you get unlimited, complimentary access to Capital One lounges. You can also bring up to two guests per visit for free. Any guests beyond that incur an $45 per visit, per person charge.
Just know that the Capital One Venture X Rewards Credit Card commands a $395 annual fee, which might not necessarily be worth it to you if you don’t live near an airport with a Capital One lounge.
CREDIT CARDS WITH CAPITAL ONE LOUNGE ACCESS
Capital One Venture X Business
Capital One Venture X Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One Spark Miles for Business
Annual fee
$0 intro for the first year, then $95.
Capital One lounge access policy
Unlimited access. Includes two guests per visit.
Unlimited access. Includes two guests per visit.
Two visits per year.
Two visits per year.
Learn more
🤓Nerdy Tip
Currently, Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business receive two free passes each year. Additional guests are $45 each. However, starting Jan. 1, 2025, Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business cardholders must pay $45 per visit. Guests will also cost $45 per person.
There are a few other entry requirements that aim to prevent misuse of the lounge. . You must present a boarding pass with a confirmed seat assignment for a departing or connecting same-day flight. You also can’t enter if you’re arriving in Denver and aren’t heading to a connection elsewhere. And you can only enter up to three hours before your flight’s departure time.
But you don’t need to hold a Capital One credit card to gain access to this lounge. Anyone — Capital One customer or not — can pay $90 to enter. For a long layover where you can take advantage of the food and drinks, showers, and private work areas, $90 might be worth it
Other DEN lounges to consider
If you don’t hold a Capital One Venture X Rewards Credit Card or Capital One Venture X Business, then you may want to consider other Denver airport lounges.
As a United hub, Denver Airport hosts multiple United Club lounges, including a compelling grab-and-go lounge called United Club Fly. If you want a day pass to any of United’s clubs, United Club Lounge access is offered for $59, which is less than the cost for the general public to buy a Capital One Lounge day pass.
UNLOCK AIRPORT LOUNGES WITH THE RIGHT CARD
The Platinum Card® from American Express
Citi® / AAdvantage® Executive World Elite Mastercard®
United Club℠ Infinite Card
on Chase’s website
Delta SkyMiles® Reserve American Express Card
Chase Sapphire Reserve®
on Chase’s website
Annual fee
Lounge benefits
Access to more than 1,300 lounges worldwide, including:
• The issuer’s own Centurion Lounges and International American Express lounges.
• Lounges in the Plaza Premium, Escape and Airspace networks.
Terms apply.
Complimentary Admirals Club membership, plus access to partner lounges with which American Airlines has a reciprocal agreement.
Access to United Club locations and participating Star Alliance affiliated lounges worldwide.
For occasional United travelers, a different card, the United℠ Explorer Card, gives you two one-time passes to the United Club each year. That card has an annual fee of $0 intro for the first year, then $95 . Read our review of that card.
• Access to Delta Sky Club when traveling with Delta, plus two one-time passes each year for guests. (Note that limits on lounge visits are scheduled to take effect in 2025. Read more about that here.)
• Access to American Express Centurion Lounges when flying Delta.
Terms apply.
• Access to Chase’s own Sapphire Lounges, though there are currently only a couple of locations.
Learn more
To view rates and fees of The Platinum Card® from American Express, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.
Is the Capital One Lounge at DEN worth it?
The Denver Capital One Lounge probably isn’t worth the full day pass cost for most travelers. But if you already have complimentary lounge access through your credit card, or if you’re paying for the day pass but planning to make good use of the amenities, it’s well worth visiting.
The food is among the highest quality you’ll find anywhere in the airport. And since Venture X or Venture X Business card members can likely avoid the line by joining the waitlist via the app, then one of the lounge’s biggest pain points — the line to get in — can be avoided.
OCMBC president Serene Vernon commented on the acquisition: “We are thrilled to welcome Wes Hunt and the entire HomeStar Financial team to the OCMBC family. Their extensive experience in servicing and their commitment to providing outstanding customer service align perfectly with our values at OCMBC. We look forward to achieving remarkable things together.” “HomeStar is … [Read more…]
Though sometimes overlooked, Kansas is a state full of surprises. Whether you’re looking to rent in Wichita or searching for an apartment in Overland Park, living in Kansas will show you that the state has plenty to explore. Here are 15 fun facts about Kansas that might just make you see the Sunflower State in a new light.
1, The geographic center of the contiguous United States is in Kansas
Kansas is home to the geographic center of the contiguous United States. This point is near the small town of Lebanon, in Smith County. The exact location is marked with a plaque and a small chapel. Visitors come from all over to stand at this significant spot. Kansas proudly holds this central position in the nation.
2. Kansas produces more wheat than any other state in the U.S.
Wheat is a major part of Kansas’ agricultural identity. The state produces nearly one-fifth of all wheat grown in the United States. This vast output earns Kansas the unofficial nickname “The Wheat State.” Farmers here work tirelessly to maintain this leading position.
3. The first woman mayor in the United States was from Kansas
Susanna M. Salter became the first woman mayor in the United States. She was elected in 1887 in Argonia, KS. Her election was a pivotal moment in women’s political history. Salter’s victory was an important milestone for women’s rights.
4. Dorothy from “The Wizard of Oz” calls Kansas home
The famous character Dorothy Gale from “The Wizard of Oz” hails from Kansas. Her journey to the magical land of Oz begins on her family’s farm in the state. The story has made Kansas synonymous with tornadoes and dreams of home. Visitors can explore Oz-themed attractions in various Kansas towns.
5. Sunflowers are a prominent feature of Kansas
Kansas is known for its stunning sunflower fields, and they bloom across the landscape. These vibrant fields are a sight to behold during late summer. Kansas is known for producing both wild and cultivated sunflowers. The flowers symbolize the state’s agricultural heritage. Many visitors come to Kansas to capture the beauty of these fields.
6. The world’s largest ball of twine is in Kansas
Kansas is home to the world’s largest ball of twine, located in Cawker City. This quirky attraction started in 1953 and continues to grow. Each year, the town hosts a “Twine-a-thon” to add more to the ball. It has become a symbol of community and local pride.
7. The state is named after its original inhabitants
The state of Kansas is indirectly named after the region’s indigenous population, the Kanza people, whose name translates to “the people of the south wind.”. The Kansas River was initially named after them because they lived along its banks. The state was then named after the river.
8. The first Pizza Hut opened in Wichita
Pizza Hut, one of the world’s largest pizza chains, started in Wichita, KS. The first restaurant was opened by two brothers in 1958. This humble beginning led to a global phenomenon. The original building is now a museum dedicated to the company’s history.
9. Kansas hosts one of the largest hot air balloon festivals in the country
The Great Plains Balloon Race in Sioux Falls, KS, attracts hot air balloon enthusiasts from across the nation. This annual event in the city of Wichita is a colorful spectacle. The sky fills with vibrant balloons of all shapes and sizes. Spectators can enjoy rides, live music, and local food vendors. Kansas’ wide-open skies make it perfect for ballooning.
10. Amelia Earhart was born in Atchison, KS
Aviation pioneer Amelia Earhart was born in Atchison, KS, in 1897. She became the first woman to fly solo across the Atlantic Ocean. Earhart’s legacy continues to inspire aviators and adventurers worldwide. Her childhood home is now a museum dedicated to her life and achievements.
11. Kansas has the longest railroad bridge over water in the world
The Rock Island Railroad Bridge in Kansas spans over the Missouri River. It stretches for nearly a mile, making it the longest of its kind. This engineering marvel has been a vital transportation link for over a century.
12. The first settlers in Kansas arrived in 1827
Fort Leavenworth, established in 1827, was the first permanent settlement in Kansas. It played a significant role in westward expansion. The fort is still an active military installation today.
13. Kansas experiences some of the most extreme weather in the U.S.
Kansas is part of Tornado Alley, where tornadoes are frequent and often severe. The state’s weather can change rapidly, with hot summers and cold winters. Kansas also experiences intense thunderstorms and occasional floods.
14. The Kansas State Capitol has a unique dome mural
The Kansas State Capitol in Topeka features a stunning mural inside its dome. Painted by John Steuart Curry, it depicts famous Kansans and historical events. The mural is considered one of the state’s artistic treasures. Visitors can tour the Capitol and see the mural up close.
15. Kansas outlawed alcohol before Prohibition
The sale of alcohol was notably outlawed in the United States when the 18th Amendment was ratified in 1917. This didn’t change much in Kansas, though, as the state had already moved to ban the sale and production of alcohol in 1881.
Originally posted 6/27/24, reposting 9/8/24 as the offer is slated to expire on 9/16/24
Timing Your Spend
We wrote earlier about the 120,000 points signup bonus on both Chase Southwest business credit cards. There is a $15,000 spend requirement. To get the Southwest Companion Pass requires 135,000 points, and so anyone who does this bonus can end up with the Companion Pass. The key here is the timing, since the signup bonus is broken down in two components:
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from your account opening.
Plus, earn an additional 40,000 points after you spend $15,000 on purchases in the first 9 months.
Getting The Pass In 2024-2025
Someone who hits the $15,000 threshold in 2025 will not end up with any Companion Pass since the 135,000 points have to all be earned in one calendar year.
And so, seemingly, the plan would be to finish both tiers of the entire spend requirement before your December 2024 statement closes. This way, you’ll get the full 135,000 points during 2024. You’ll then get the Companion Pass for the rest of 2024 and the entire 2025.
Getting The Pass For 2025-2026
Yet some people might take an entirely different route and deliberately delay getting the pass until 2025. The key here is the fact that these signup bonuses are slated to end on 9/16/24.
A potential plan would be to deliberately push off applying for this card until September. Then change your statement to close on December 1st. And you’ll deliberately delay meeting any signup bonus spend requirements until after your December statement closed. (Or you can meet most of it, but leave a bit of spend off. This route might leave you a few thousand points short, but it’ll make the spend easier.)
This way, all of the spend and signup bonus points will come through on the January 2025 statement. Then you’ll meet the second tier spend requirement during December or any of the coming months. With this plan, it’s possible to squeeze nearly two years of Companion Pass (2025 and 2026) from this deal instead of just one-and-change.
It’s possible to change your card statement date to close the 1st of each month. That way, any points earned in December won’t post to your Southwest account until January 1, 2024.
Readers suggest that changing the Due Date to the 26th of the month should result in the statement closing on the first of each month. Others recommend changing to the 2nd or 5th to avoid cutting it so close. Note that you might not be able to change your due date more than once-per-180-days, so we have to get it right the first time.
You can read this article we wrote last year and the comments there for more discussion on the timing.
Downsizing, whether it refers to moving to a smaller home, reducing your possessions, or simplifying your lifestyle, can offer a range of benefits. Whether your reason for downsizing is retirement, empty nesters, looking to save money, or finding you just want a more minimalist lifestyle, here is what downsizing can offer you.
More Money
Larger homes are typically more costly. For one, mortgage rates and energy expenses are usually higher.. However, there’s another reason why larger homes are typically more costly. We are driven to fill them with extra stuff like additional furnishings and trinkets.
It’s natural that when we see empty space in our house we want to fill it, but by. reducing the size of your house, you can also reduce the amount of stuff you own and buy. However, this isn’t the case for all homeowners. Having a smaller home might assist you in avoiding overcharging, overspending, and over-purchasing for your enormous house. There simply isn’t space for extras in a smaller house!
Environmental Impact
Reducing the size of your house is a green decision. Generally speaking, smaller dwellings use less energy, which lowers their carbon footprint. A smaller home’s construction and upkeep also typically have less of an impact on the environment. Decluttering and lowering the amount of belongings are also parts of the downsizing process, which over time can result in less material waste and a more fulfilling and environmentally responsible way of life.
Less Upkeep
Taking care of your house for the majority of your life becomes second nature. Because of this, it is simple to forget how much time you spend on your house, from gutter cleaning to grass mowing. You may be surprised by how much time you save in your schedule when you downsize to a smaller, more manageable place.
Additionally, going out of town requires a lot of planning for many people. Who will mow the grass, collect the mail, and ensure your home is secure? Many opt to downsize to a smaller, more manageable area, such as a charming townhouse, a renovated apartment, or a room that may be distinctively yours without being overly cluttered.
Accessibility
It can get a little more difficult to get around as we age. In the long run, moving from a big, four-story house to a ground-level bungalow may be easier on the knees. Additionally, if you decide to downsize at age 50, be sure to consider what you might require in thirty years. It makes sense to spend money on a bed, bathroom, and laundry area on the main floor.
Clutter Doesn’t Accumulate
When you simply do not have the room for extra things, they can’t come into your home. You will have to think hard about buying new pieces of furniture, excess decor items, and even new clothes since storage will be limited. A minimalist lifestyle isn’t for everyone, but having to declutter your home can be beneficial.
Downsizing Debt
Although this may not apply to every homeowner, downsizing into a smaller lifestyle can assist in addressing debt or an excessively large budget. A smaller house usually translates into a more affordable monthly payment and increased opportunities for a contented retirement.
Are you looking to enter the real estate market this fall? Give us a call today! One of the experienced agents at Zoocasa will be more than happy to help you through the exciting home-buying process!
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