CitiBusiness American Airlines Platinum Select World Elite Mastercard is offering 75,000 American Airlines miles after you spend $5,000 within the first five months.
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We have seen similar offers in the past and we’ll add this to our best credit card bonus page. Before applying or asking basic questions in the comments make sure you read these things everybody should know about Citi cards here.
Both hard and soft credit inquiries can stay on your credit report for up to two years. However, their impact on your credit score can vary substantially based on your circumstances and the type of inquiry or inquiries you’re dealing with. For instance, soft credit inquiries usually don’t ding your score at all and are visible only to you on your credit report.
Read on to learn more about how long credit inquiries stay on your report and the effects they can have while there.
Key Points
• Credit inquiries typically stay on your credit report for up to two years.
• Each hard inquiry can temporarily reduce your credit score by five to 10 points. Soft credit inquiries, which are visible only to you, do not affect your credit score.
• Multiple hard inquiries for a home or auto loan in a short period count are generally counted as a single inquiry when you are rate shopping.
• Hard inquiries remain on your credit report for two years but may affect your score for only one.
• Limiting credit inquiries can help build or maintain a credit score and overall financial health.
What Is a Credit Inquiry?
A credit inquiry is a request to look at your history of using credit. This occurs any time a prospective lender wants to take a peek to assess your creditworthiness and potentially extend you a loan or line of credit. Your credit file can show how well you’ve used credit in the past and whether, for example, you typically pay bills on time and have used different forms of credit (such as credit cards and installment loans) responsibly.
Credit inquiries come in two flavors: hard inquiries and soft inquiries.
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What Is a Hard Inquiry?
A hard credit inquiry occurs when you officially submit an application for a credit card or loan. The vast majority of lenders will run a hard credit check in order to approve your application for these financial products.
Hard inquiries occur when you apply for a new loan or line of credit (say, a mortgage or a credit card). These hard pulls, as they are sometimes called, can have a negative impact on your credit score, particularly if you apply for many new loans or lines of credit at the same time. Lenders may see this behavior as a risk factor, since you might take out more credit than you can afford to pay back.
A hard inquiry can lower your credit score by about 5 to 10 points each. While these inquiries can stay on your report for up to two years, they may not have an impact after one year.
What Is a Soft Inquiry?
A soft credit inquiry may be pulled by a potential lender to prequalify you for a loan or determine your eligibility for a line of credit but without officially approving your application. Soft credit inquiries can also be part of employment background checks or be requested when you start services with a utility company. You might even pull your credit file yourself to review it for accuracy. That too is a soft inquiry.
The good news is that while they can stay on your report for up to two years, soft inquiries have no impact on your credit score. What’s more, they are visible only to you.
Exceptions to the Impact on Your Credit Score
As mentioned above, only hard inquiries can have an impact on your credit score. Additionally, it’s worth noting that even with hard inquiries, if you’re shopping around for a specific type of loan, you can take advantage of a rate shopping window. Here’s an example:
Say you’re getting ready to buy a house or a car. You may be focused on building your credit score and using a money tracker app to manage your spending and saving goals. When it’s time to shop around for the loan with the most favorable terms, a finalized rate may be available only with a fully completed application (including a hard credit inquiry). So you want to file multiple applications to see where you are approved with the best deal for your situation.
Fortunately, the credit bureaus treat multiple hard inquiries for loans of the same category as only a single inquiry. They do, however, need to be made within a certain time frame — usually between two weeks and 30 days, depending on the type of loan.
In this way, loan shopping may not have too serious an impact on your credit score.
How Long Do Credit Inquiries Stay on Your Credit Report?
Hard credit inquiries can stay on your credit report for up to two years. That’s true for soft credit inquiries, too. As mentioned above, hard pulls may impact your credit score only for a year, and soft pulls are visible only to you.
This maximum time frame of two years is substantially shorter than other markers, such as bankruptcy, which can remain on your credit report for seven or 10 years.
What Is the Difference Between a Hard and Soft Inquiry?
A hard inquiry is used to officially approve an application for a loan or line of credit, and it can have a temporary negative impact on your credit score. A soft inquiry is used in most other instances when your credit score is pulled. It does not have an impact on your credit score, nor is it visible to anyone but you.
How Much Does a Hard Inquiry Lower Your Credit Score?
Usually, a hard inquiry will lower your credit score only by five to 10 points (though the dip may be more meaningful if you’re working to build your credit). While the hard pull will stay on your record for up to two years, it often has a negative impact for only one year.
Note that your credit score updates generally occur every 30 to 45 days.
How Much Does a Soft Inquiry Lower Your Credit Score?
Trick question! Since a soft credit inquiry has no impact on your credit score whatsoever, it won’t lower it at all. In fact, as noted, soft pulls are not even visible to prospective lenders and will show up on your end only when you review your credit file.
How Do Hard Inquiries Affect Shopping for Loans?
Hard inquiries inform lenders that you’re actively shopping for credit. As mentioned above, if all that credit shopping is in the same category in a short amount of time, the effect is likely to be limited. However, if you’re perpetually shopping around for new credit (a personal loan here, a credit card there), lenders may raise an eyebrow. Too many applications for credit can ding your score.
Also keep in mind that the rate-shopping window doesn’t apply to credit cards. Every credit card you open will come with a hard credit check. The impact of this credit check is not mitigated because you submitted other credit card applications. In other words, multiple credit card applications in a short period of time may have a more lasting detrimental impact on your score than if you were shopping for a single mortgage.
How to Reduce the Impact of Credit Inquiries on Your Credit
Perhaps the simplest way to reduce the impact of credit inquiries on your score is to limit the number of inquiries requested. This means you would sparingly apply for loans and lines of credit only when you truly need to. Along with helping you avoid the negative impact of hard inquiries, keeping your credit use to a minimum can help ensure you avoid a debt spiral and stay in the best possible financial position to repay the loans you do have.
Can Inquiries on My Credit Report Be Disputed?
Credit score monitoring is important and can be done for free through several channels, including credit card companies, banks, and credit counselors.
It’s also wise to regularly review your entire file every few months to look for inaccuracies. If you notice a credit inquiry on your report that you don’t recognize, you can dispute it with the reporting credit bureau — and you should. You should also reach out to the financial institution that made the inquiry and inform them that it was not a legitimate request.
In addition, you can dispute any erroneous items on your report, such as an indication that a debt you paid off is still pending.
Recommended: Why Did My Credit Score Drop After a Dispute?
Can You Remove Credit Inquiries From a Credit Report?
The only way hard credit inquiries can be removed from your credit report is if they were made fraudulently. In this case, you should go through the process of filing a dispute with the reporting bureau, as outlined above. These days, most credit file disputes can be made online, but you can also file a dispute by mail.
Avoid Unnecessary Applications Prior to Applying for a Home or Auto Loan
Since hard credit inquiries can have a negative impact on your score, it’s a good idea to avoid applying for unnecessary lines of credit shortly before applying for a more substantial one, like a mortgage or auto loan.
Credit card applications in particular can be a slippery slope since they may be extremely easy to apply for and may offer rewards for doing so. If you’re planning for bigger financial moves in the near future, steer clear if you can.
Recommended: How to Lower Credit Card Utilization
The Takeaway
All types of credit inquiries stay on your report for up to two years, though only hard inquiries can have an impact on your score and are visible to others. Typically, a hard inquiry can lower your score up to 10 points; soft inquiries, on the other hand, have no impact. While credit card applications always lead to a hard inquiry, multiple applications for an auto or home loan in a short amount of time may appear as a single inquiry on your credit report.
As you consider your credit report, it may make sense to track your finances more closely. Tools like a spending app can help you set budgets, manage bill paying, and more.
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.
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FAQ
Can you remove credit inquiries from your credit report?
Unless you notice fraudulent credit inquiries on your report, hard inquiries will usually stay on your record for up to two years, which is a relatively short time frame in the world of credit reporting. If you do see a hard inquiry you don’t recognize, dispute the inquiry with the credit bureau and the financial institution involved immediately. Worth knowing: Soft credit inquiries stay on your report for a similar period of time, but they are visible only to you.
How many hard inquiries are too many?
There’s no hard and fast answer to this question. Generally speaking, the fewer hard inquiries your credit report sees, the better. There is an exception when you’re shopping around for a home or auto loan. As long as all the hard inquiries are for the same type of financial product and are made within a relatively short time frame (usually 14 to 30 days), they’ll appear as a single hard inquiry and have only a single hard inquiry’s impact on your credit score.
How much will a credit score decrease for each inquiry?
While the specifics can depend on the rest of your credit file, generally speaking a hard inquiry will lower your score only about five to 10 points. However, if you apply for multiple credit cards or many different types of loans in a short period of time, the inquiries may have a more substantial impact, especially if your credit file is slim or imperfect.
Does your credit score go up when hard inquiries fall off?
Hard credit inquiries usually have only a slight impact on your overall credit score. While it’s possible you may see a small increase to your score when they fall off, other positive markers, like on-time payments and lowering total credit balance, are more likely to help build your score.
Photo Credit: iStock/Kateryna Onyshchuk 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 .
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.
In the United States, full retirement age actually varies depending on the year you were born. But if you were born in 1960 or later, your full retirement age is 67. Full retirement age (FRA) is the age at which you become eligible to receive your full retirement, or Social Security benefits. FRA is a key milestone in life and a crucial component of the U.S. Social Security system.
It impacts how much you’ll receive monthly, when you can claim Social Security in full, and how much your delayed retirement credits will increase over time. Your Social Security benefits will, likely, also have an effect on the decisions you make around your strategies for saving and investing for retirement, too.
Key Points
• Full retirement age varies depending on birth year. It ranges from 66 for those born from 1943 to 1954 to 67 for those born in 1960 or later.
• You can claim your Social Security benefits before FRA (as early as age 62), but your benefit will be permanently reduced by up to 30%.
• You can delay your retirement to increase your monthly benefit by 8% for each year of delay (up until age 70).
• You can still work after you’ve started collecting Social Security retirement benefits. But if you’re younger than FRA and earn above certain limits, your benefits may be reduced. There’s no earnings limit once you reach FRA.
What is Full Retirement Age?
Full retirement age (FRA) is the age at which you become eligible to receive 100% of your monthly primary insurance amount (PIA), which is the starting point for calculating your Social Security retirement benefit.
The PIA is the base monthly payment you should receive once you retire. It’s based on your past earnings and adjusted for inflation. In general, here’s how it works:
• If you retire once you’ve reached your exact FRA, you’ll receive 100% of your PIA.
• Retiring earlier will reduce your monthly Social Security retirement benefit to a smaller percentage of your PIA (but no less than 70% of it — more on this later).
• Conversely, if you delay retirement beyond your FRA, your Social Security retirement benefit will be a higher percentage of your PIA.
The bottom line is that because your Social Security retirement benefit is permanently set based on when you retire relative to your FRA, knowing your FRA is extremely important. Even if you’ve done some planning and opened an online IRA or other retirement account.
And, as noted, having an idea of what you can or should expect from your Social Security benefits can have a profound impact on your strategies as they relate to investing for retirement. Since many people may hope to supplement their Social Security income with their own savings and investment income, it can change the calculus in terms of when you’re able to retire.
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Determine Your Full Retirement Age
As mentioned, FRA varies depending on your birth year. If you were born in 1960 or later, your FRA is 67. For those born before 1960, FRA decreases by two months for each year earlier, down to 66 for those born between 1943 and 1954.
Here’s a table to clarify the math:
Social Security Retirement Age Chart
Year of Birth
Full Retirement Age
Months between 62 and FRA
Maximum PIA reduction if you retire at 62
Months between 70 and FRA
Maximum PIA increase if you retire at 70
1943 to 1954
66
48
-25%
48
+32%
1955
66 and 2 months
50
-25.83%
46
+30.67%
1956
66 and 4 months
52
-25.67%
44
+29.33%
1957
66 and 6 months
54
-27.5%
42
+28%
1958
66 and 8 months
56
-28.33%
40
+26.67%
1959
66 and 10 months
58
-29.17%
38
+25.33%
1960 and later
67
60
-30%
36
+24%
Source: Social Security Administration
Why Full Retirement Age Matters
FRA is a key factor in deciding when to start collecting Social Security benefits. Claim them too early, and your monthly check will be permanently reduced. Wait too long, and you won’t get any additional benefits. So, if you’re trying to figure out how to retire early, this could become a key piece of information in your calculations.
As mentioned, you’ll receive 100% of your PIA if you retire exactly at your FRA. You can apply for Social Security and start collecting earlier, but no earlier than age 62. And your benefits will be reduced for each month you begin early. How much? Here’s a recap:
• 5/9 of 1% for each month up to 36 months before your FRA
• 5/12 of 1% for each month over 36 months before your FRA
For example, if your FRA is 67, and you retire at 65 (i.e., 24 months earlier), your benefits will be reduced by:
24 months x 5/9 x 1% = 13.33%
That means your monthly benefit will be (100 – 13.33)% = 86.67% of your PIA.
If that sounds too complicated, you can check the retirement age calculator on the Social Security Administration (SSA) website.
But that’s not all. If you retire earlier than 65, the age of eligibility for Medicare, you may need to pay for your own healthcare coverage until you turn 65. If your previous job included medical benefits and you retire before becoming eligible for Medicare, you may have to pay a monthly premium to maintain coverage during this interim period. This could increase your expected expenses in retirement.
Regardless, it may be a good idea to enroll in Medicare when you turn 65 or risk paying a late enrollment penalty when you do sign up. Make sure to factor this into your calculations.
If you retire later instead, delaying your retirement beyond your FRA will earn you more money in the form of delayed retirement credits (DRCs), which increase your monthly benefit. If you were born in 1943 or later, you’ll earn a 2/3 of 1% (roughly 0.67%) increase for each month after FRA, equating to an 8% increase per year. You can keep earning these benefits only up until age 70, so there’s no financial reason to wait beyond this age.
For example, if your FRA is 66 and you wait until 68 to retire, you will earn an increase of:
24 months x 2/3 x 1% = 16%
That means your monthly benefit will be (100 + 16)% = 116% of your PIA.
When to Start Collecting Social Security
Given that the average retirement age in the U.S. is 65 for men and 62 for women, many Americans do choose to retire before reaching full retirement age. But there’s no one-size-fits-all answer for when it’s the right time to choose to retire and start collecting Social Security benefits. It depends on several factors.
First, you should honestly assess your health situation.
• Is your life expectancy short or long?
• Are you in good enough health to keep working and earning?
• Do you have persistent health issues that require the best possible health insurance coverage?
• Do you have the means to pay for private insurance if you retire before you’re eligible for Medicare?
Your answers to these types of questions will steer you in the direction.
Additionally, if you’re the higher-earning spouse, your surviving partner might continue receiving your benefits for many years after your passing. In that case, it could make sense to wait to maximize their future benefits — especially if they’re younger than you.
Other considerations like immediate income needs, if you have money in a Roth IRA, the potential for reduced expenses in retirement, or foreseeable job instability (such as concerns about your employer’s financial health) might mean early retirement is the right call.
Further, it may be worthwhile to investigate how a traditional IRA or other type of retirement plan could affect your plans as well.
Early Versus Late Retirement
Here’s a quick recap of the pros and cons of waiting to claim benefits until after FRA versus before FRA:
Claiming Benefits Before FRA
Pros
Cons
Access to income sooner
Permanently reduced monthly benefits
Better if your life expectancy is shorter or you suffer from health issues
Reduced spousal and survivor benefits
Useful if your job stability is uncertain
Might need to pay for private health insurance until Medicare eligibility at 65
Claiming Benefits After FRA
Pros
Cons
Permanently increased monthly benefits
Access to income is delayed
Higher survivor benefits for your spouse
Risky if you have health issues
Potential for higher lifetime income
Can impact your lifestyle or quality of life
Working After Reaching Full Retirement Age
You can keep working and collecting a paycheck after reaching full retirement age. If you keep working after hitting your FRA, your Social Security benefits won’t take a hit. However, if you claim benefits earlier, the government might temporarily withhold some of the benefits until you reach your FRA.
In particular, you might face one of three scenarios:
1. If you’re under FRA for the entire year, you can earn up to $22,320 (in 2024) without any benefit reduction.
2. If you earn more than $22,320, the SSA will deduct $1 from your benefits for every $2 you earn above this limit.
3. In the year you reach FRA, the earnings limit increases to $59,520 (for 2024). The SSA will deduct $1 from your benefits for every $3 you earn above this limit. Only earnings up to the month before you reach FRA count toward this limit.
This provision is known as the retirement earnings test (RET) and is periodically adjusted to account for inflation.
Once you reach FRA, the SSA will recalculate your benefits to account for the months when benefits were withheld due to excess earnings. So, while you don’t get a lump sum back, you do get higher payments for the rest of your life.
The Takeaway
Choosing the right time to apply for Social Security has a tremendous impact on your retirement strategy. Understanding what your full retirement age is factors heavily into this decision since it essentially defines the timing of your retirement. Whether you claim benefits early, at your FRA, or later will affect the amount of your checks. That will also come into play when seeing how far your savings and investments will take you, when paired with your Social Security benefits.
As you plan for your retirement, consider a savings strategy that can potentially offer you compound growth. SoFi Traditional IRAs or Roth IRAs allow you to invest your way. With investment options like stocks, ETFs, and more, you can invest your way. Save, invest, and watch your money grow as you work toward a secure and comfortable retirement.
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FAQ
How does age affect my Social Security benefits?
Your Social Security benefits will be reduced by a percentage if you claim them before your full retirement age (FRA) and increased if you delay claiming them. The earlier you claim before FRA, the greater the reduction, the longer you wait, the higher the increase (up until age 70).
Can I choose to receive Social Security benefits earlier than full retirement age?
Yes, you can start receiving benefits as early as age 62, but the earlier you claim them, the more they will be reduced. Note that this reduction is permanent.
What is the significance of the full retirement age increase?
The increase in FRA means you must work longer to claim 100% of your benefits. For example, people born in 1954 could earn full benefits at age 66, while those born in 1960 or later must wait until age 67 for unreduced benefits.
Photo credit: iStock/JLco – Julia Amaral
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Pittsburgh, PA is a city with a fascinating industrial history and a breathtaking skyline, but it’s also full of unique experiences just waiting to be explored. Beyond the usual tourist spots, this lively city has a wealth of activities that highlight its eclectic culture and creative energy. Whether you’re wandering through hidden art installations, checking out quirky museums, or enjoying delicious bites at local favorites, the Steel City invites visitors and locals alike to dive into its dynamic neighborhoods.
Whether you’re looking to rent a house in Pittsburgh, looking for an apartment in the area, or buying your first home in the city, read on to uncover some of the most unique things to do in Pittsburgh, ensuring your time here is anything but ordinary.
1. Go on a Mac Miller self-guided tour
Pay tribute to the legendary Pittsburgh-born rapper Mac Miller by touring some of the locations that inspired many of the musician’s lyrics and albums. Mac Miller’s legacy continues to thrive through his music and the many tributes and landmarks around Pittsburgh that honor his influence.
Blue Slide Park
Located in Pittsburgh’s Squirrel Hill neighborhood, Blue Slide Park is infamous as the inspiration for Miller’s independently distributed debut album of the same name. The album is laced with reflections of Miller’s experience as a youth in Pittsburgh, and Blue Slide Park serves as place of tribute for the late rapper, reflecting themes of nostalgia and home – plus, it actually has a blue slide.
Frick Park Market
The title of a popular song from Miller’s first album, Frick Park Market is where the rapper worked once upon a time in Pittsburgh. The neighborhood deli is still around today, and the owners have taken great care to keep the energy of Miller alive in the shop. Stop by for a story while enjoying delicious fresh sandwiches for a fan experience you won’t forget.
Mac Miller murals
Serving as vibrant tributes to the beloved rapper, you can find notable murals memorializing the artist throughout the city. One of the most famous murals resides along the wall of ID Labs, the recording studio Mac Miller often recorded at. You can find other murals celebrating the life of Miller in the Lawrenceville neighborhood, inside the Monroeville Mall, and in East Liberty.
2. Quench your thirst at some of the best breweries in the country
“Pittsburgh has some of the best beer in the country – so much so that it is difficult to find a bad local craft beer,” confides Eric Truscott, co-founder of Acrospire Brewing Co, a much-loved Pittsburgh establishment. “They all have their own specialty and personality, but are welcoming and excited to show off their best brews.”
Eric’s hot tip for getting the most out of your Pittsburgh brewery experience? “Try something new and take a recommendation from the beertender. It may open you up to a whole new world of flavor. Beertenders are also a great resource for finding things to do in the ‘Burgh that are off the beaten path.”
If you’re still having a hard time deciding on which spots to try in the area, make sure you add these unique Pittsburgh breweries to your list.
Photo by Pittsburgh Brewing
Pittsburgh Brewing
“Exploring all that Pittsburgh has to offer wouldn’t be complete without a visit to the hometown brewery, Pittsburgh Brewing,” shares Rachel Semelbaur of the historical venue.
The brewery has been in the community for 160 years, and its new location on the Allegheny River boasts state-of-the-art brewing facilities amongst the bones of an old factory. Exposed steel beams and old red brick nod to the Iron City’s industrial history.
To top it off, the grounds double as an event venue, so you can grab a cold Iron City Beer and see your favorite artist perform in the fresh air. Make sure you catch a tour of the facility to really get a feel for the brewing process and glean more into Pittsburgh’s infamous distilling history.
Velum Fermentation
If you’re looking for a unique brewery experience in Pittsburgh, look no further than Velum Fermentation. More than just one of the newest breweries on the block, Velum Fermentation is also a bustling community hub. Their Southside Pils boasts 100% Pennsylvania-grown ingredients, and is just the icing on the cake. While you enjoy your beer, immerse yourself in the adult playground that is the Velum taproom.
Indoor/outdoor seating frame pickleball courts, event spaces, lawn games, and a pinball arcade, making Velum the perfect neighborhood brewery spot for your midweek brewski. Grab some friends and a beer to make the most of all the activities Velum has for you to enjoy.
The Church Brew Works
“And on the eighth day, man created beer,” exclaims the coasters at this unique Pittsburgh spot for beer. Housed inside the glorious walls of a former church resides The Church Brew Works, an award-winning restaurant and microbrewery. With remnants of church history scattered throughout, you likely haven’t enjoyed a cold one in a place quite like this. Nestled amongst stained glass and worn wooden pews, enjoy a holy experience of wood-fired pizza, an eclectic food menu, and fresh craft beers, brewed right on the altar.
3. Stay active with fitness with a twist
While Pittsburgh is known for its industrial history, intricate architecture, and vibrant cultural scene, there’s even more to do in the city than wander amongst the bridges, nature, and food and beverage scene. Try these unique ways to stay active while living in Pittsburgh.
FireWALL Dance
Why not spice up your time in Pittsburgh with a drop-in dance class? At FireWALL Dance Theater, you can choose from a wide variety of dance styles as a fun way to move your body. From contemporary to ballet to jazz to hip hop, even twerking, there’s something for everyone. You can even get a group together for a Sip N Get Sexy night, where you and your pals can knock back a bev to a themed dance class.
“Nestled in the vibrant heart of the city, our inclusive studio fosters a warm and supportive atmosphere that keeps you coming back for more,” describes FireWALL Dance Studio manager Hanna Rubin. “Whether you’re a local resident or just visiting for the weekend, you’ll be embraced with open arms and encouraged to express yourself through movement.”
ASCEND Climbing
If you’re looking for an active challenge, add ASCEND Climbing to your list. This indoor climbing gym offers routes for all skill levels, whether you’re a seasoned climber or just starting out. With towering walls, bouldering areas, and friendly staff ready to help you out, climbing at ASCEND is a fun way to move your body and experience local community events. Plus, it’s a great place to meet other climbers and maybe even make some new friends. Bring your own gear or rent some on-site, and after, grab a beer from Velum Fermentation, located beneath the Southside location.
Level Up Studios
Unleash your creativity through movement and community through this hip-hop inspired studio in Pittsburgh. “Level Up Studios offers a range of dance and creative arts experiences,” shares the Level Up team. “Our space also doubles as a community hub, where local artists, musicians, and cultural enthusiasts come together to learn, grow, and express themselves.”
From K-Pop to hip-hop to even Bollywood dancing, Level Up brings a diverse range of dance options. If you can’t catch a class, make sure to check out one of the frequent community events that feature live music, art exhibitions, dancing, and their annual Level Up Block Party to get creatively inspired.
4. Explore some of the coolest neighborhoods in Pittsburgh
Another unique thing to do in Pittsburgh is explore the many neighborhoods. Pittsburgh’s neighborhoods each possess a distinct personality that reflects the city’s rich history and cultural diversity. From the hustle and bustle of the Strip District to the independent vibe of Lawrenceville, here are three of Pittsburgh’s hot spots you should be exploring.
The Strip
“Once the center for the region’s wholesale produce industry, this now restored historic landmark offers a curated collection of retail, fitness, entertainment, and restaurant options,” shares Megan Warmouth, representing the Terminal in the Strip District neighborhood. “Start your day with a workout class or brush up on your golf game then treat yourself to a facial before doing some shopping. Afterwards, stop by one of The Terminal’s ten eateries for a taste of the city’s best culinary offerings.”
“As a new resident of Pittsburgh, exploring the historic Strip District neighborhood is a must, with wholesale ethnic grocers, gourmet food shops, and delicious restaurants,” agrees Gina Vensel, owner of Easy Street Promotions. “Explore the independent businesses located at The Pennsylvania Market, and new shops and restaurants at The Strip District Terminal including City Winery and Pitt Shack. The Strip has something for everyone.”
Despite all of the amazing places to explore in this iconic neighborhood, what are Vensel’s can’t-miss spots in The Strip? “Get a taste of Italy at La Prima Espresso Co. and Colangelo’s Pizza,” she shares. “Catch elders sitting al fresco playing cards and eating cannolis. The Strip exudes the vibrant mix of Pittsburgh‘s culture — a city blended with rich history and hip new development.”
Photo of The Terminal by Ed Massery Photography
Bloomfield
Initially settled by Italian immigrants, Bloomfield is Pittsburgh’s version of Little Italy. “A visit to Pittsburgh isn’t complete without exploring the Bloomfield neighborhood,” says Juan from P*Town Bar, a premiere destination bar and community hub for the LGBTQ+ community. “Dive into the rich blend of traditional and contemporary Italian cuisine and the vibrant bar scene that the city has to offer.”
Make sure you come hungry – in Bloomfield, you can shop at authentic Italian grocers, sample delicious Italian cuisine, and explore a wide variety of eclectic spots that have popped up over the years. Grab a bite at D’s Six Pax & Dogz, an award-winning hot dog eatery in the area, or browse for your next favorite book with a beer in hand at the independently-owned White Whale Bookstore. Catch a drag show, karaoke night, or themed party at the welcoming P*Town Bar, or just spend the day wandering the streets of Bloomfield, enjoying the variety of local shops and businesses in the area.
Lawrenceville
If you’re after Pittsburgh’s hippest art district, look no further than Lawrenceville. Old-world charm meets modern flair in a mish-mash of historic row houses interspersed with new urban dwellings. Home to artists, entrepreneurs, and one-of-a-kind businesses, Lawrenceville encapsulates a neighborhood feel with its emphasis on supporting small and local.
Stop by the many galleries, dining options, and boutiques, but make sure you don’t miss this Pittsburgh hidden gem in Lawrenceville: The Confidant Speakeasy. Only open Friday and Saturday nights, the tropical-themed bar is found down an alleyway known as Eden Way off Butler Street. You know you’re there when you see the green light illuminating the doorway. Small and intimate, The Confidant is the perfect date night or after-dinner spot for a clever cocktail or rotating pint.
5. Try wine tasting at these unique Pittsburgh vineyards
Pittsburgh hasn’t always had a flourishing wine scene – it’s only in recent years that the Steel City has begun to grow its appreciation for both local and international wines. Vineyards local to the western Pennsylvania region give you the chance to indulge in homegrown vino, while increasing urban wineries are focusing on intimate environments and global offerings. Here are two unique Pittsburgh wineries that give you the chance to try the local harvest and wines from afar.
Photo by Deer Creek Winery
Deer Creek Winery
If you’re on the hunt for unique experiences in Pittsburgh, Deer Creek Winery is a gem that deserves a spot on your itinerary. Nestled in the scenic countryside, this winery offers a relaxing escape from the city’s hustle and bustle. With a diverse selection of wines crafted from locally sourced grapes, you’ll find everything from crisp whites to rich reds to adventurous options that are released every few weeks.
“There are a lot of fun wineries to explore while in the Pittsburgh area, but only one that brings out different flavors every couple of weeks; at Deer Creek Winery, we call these our FUNTIME wines,” raves Rhonda Brooks, owner of Deer Creek Winery.
Brooks continues, “If you go a little further from the city, you can visit the historic winery and B&B at the Watson Estate in Uniontown, PA where you can not only taste wine, but have lunch or dinner, host a party or wedding or even just spend the night in the 1800s farmhouse.”
The inviting tasting room of the winery features a cozy atmosphere, perfect for sipping and savoring each pour. Plus, the outdoor patio provides stunning views of the surrounding landscape, ideal for a leisurely afternoon. Keep an eye out for special events, like live music and seasonal festivals, or extend your experience by treating yourself to a room at the scenic inn on site.
Photo by Refucilo Winery
Refucilo Winery
At Refucilo Winery, you have the unique chance to experience high-quality Argentinian wine right in Pittsburgh. The Northside hidden gem is Dr. Juan Lora and his wife Cecilia Lora’s passion project, inspired by days in the Dominican Republic sailing on his uncle’s boat, Refucilo. Longtime home winemakers, the couple eventually decided to purchase a vineyard in the Uco Valley of Argentina to bring their passion to their current home of Pittsburgh.
“The Malbec and Torrontes grapes are meticulously harvested by hand, transformed into award-winning wines, and transported to the intimate tasting room where specialists pair the wine with tapas,” confirms Christine Whispell of Refucilo Winery. “We suggest finishing the night with a unique malbec sorbet. But whether you’re looking for herbal, light and refreshing; plum, velvet and chocolate; or rich, ripe, tobacco, and spice, all of the wines at Refucilio are fermented dry and will leave you wanting more.”
6. Check out the unique Pittsburgh art scene
Another unique thing to do in Pittsburgh is explore the diverse art scene. From iconic establishments like the Andy Warhol museum to lesser-known finds amongst the city, Pittsburgh offers something for everyone. Tours, murals, neighborhood art crawls, and festivals are just the tip of the emerging Pittsburgh art scene.
The Mattress Factory
Despite its name, the Mattress Factory now resembles nothing of the sort; rather, the old factory building houses both permanent and rotating contemporary art over three city blocks. Featuring works by both established and emerging artists, the museum focuses on site-specific installations that engage with the unique spaces of the museum. You won’t find walls of paintings here. Instead, you’ll find yourself immersed in sound baths, reflecting in rooms of mirrors, and wandering decrepit grounds, thoroughly expanding the bounds of avant-garde.
Monthly art crawls
Otherwise known as “Unblurred,” wander the streets of the Arts and Commercial District in Garfield the first Friday of every month to explore art galleries, pop-up shops, live music, and more. Unblurred grew out of the Penn Avenue Arts Initiative, which was an effort to revitalize the street with art galleries and studios. Though it’s evolved over the years, Unblurred has been around since 1998, one of the longest-running art initiatives in the state. The summer months are the best time to experience the event, where you can wander the lively streets, duck in and out of galleries, and partake in the Garfield Night Market, which runs adjacent to Unblurred and features a variety of local vendors and artists.
Yearly events
Be sure to make room in your schedule for these unique art experiences in Pittsburgh. From live music, glowing exhibits, and interactive hobby classes, here are a few must-try events that only happen once a year.
Art All Night
Art All Night is a 22-hour grassroots art festival, featuring live performances, films, community-submitted works of art, and lots of food. Hosted throughout different buildings in Pittsburgh April each year, you can expect anything from drum circles to fiery tubas to provocative sculptures; everything and everyone is represented in this one-day arts festival. Submissions range from drawings by children to professional artists, an art show that is truly for the people, by the people.
Creative Arts Festival
Don’t just admire the local craft, but learn a new hobby if you happen to be in town during Pittsburgh’s yearly Creative Arts Festival, which is often hosted each year at the end of August. Focusing on textile experiences such as knitting, crocheting, jewelry making, and many others, the Creative Arts Festival celebrates the long-standing art of handmade crafts.
“Be sure to add the Pittsburgh Creative Arts Festival to your agenda!” raves Laura Regan, a longtime participant of the festival and now heads the initiative. “We are a 3-day festival with a vibrant marketplace and 70 classes in many creative arts: knitting, crochet, sewing/quilting, polymer clay, weaving and much more. We look forward to getting your creative juices flowing while having lots of fun.”
7. Visit an array of weird local spots
These unique local spots in Pittsburgh embody funky, making them a must-do if you’re after a one-of-a-kind, unusual experience in the city.
The Zenith
Vegetarian cuisine meets art gallery meets antique shop at this eclectic Pittsburgh restaurant. At the Zenith, shop vintage wares while enjoying an affordable meal in the city that focuses on seasonal and locally sourced ingredients, and stay for the variety of events the space hosts, from music and poetry to art shows.
Bayernhof Museum
Located inside a historic mansion, the Bayernhof Museum showcases the elaborate music collection of its former long-term resident, Charles B. Brown III. These aren’t just any instruments, however; the collection consists of a large amount of functional, self-playing instruments. Besides housing historic musical machines, the mansion itself features ancient stone walls and a feature wall of windows, providing sweeping views of the river below. Interspersed throughout are numerous wet bars and secret passageways that you’ll encounter throughout your time in the museum, reflecting the eccentric nature of its former owner.
Trundle Manor
A self-proclaimed tourist trap, Trundle Manor is probably one of the most unique places to visit in Pittsburgh. The manor is actually the residence of artist couple Anton and Rachel Miriello, who acquired the home over 15 years ago and have since filled the space with their private collection of oddities. Inside, you’ll find all things creepy and ghoulish, from vintage taxidermy to smiling knick-knacks, to a singing tumor in a jar (yep, you heard that right).
8. Unique things to do in Pittsburgh for all ages
From educational experiences to outdoor adventures to local attractions, Pittsburgh has plenty to explore that caters to a variety of interests and ensures that everyone can find something unique to do in the area.
Photo by Trail Adventures
Get out on the trails
If you’re looking for a unique summer activity in Pittsburgh that gets the kids immersed in nature, why not try mountain biking?
“Trail Adventures offers exciting and engaging youth mountain biking clinics and summer camps for interests and abilities from mild to wild,” shares the outdoor adventure founder Cody Pletz. Classes take kids through the trails of North Park and Hartwood Acres, all while developing necessary skills like trail etiquette and bike technique in the great outdoors.
“Our goal is to spark passion for a wonderful sport that will keep kids exploring, active, and healthy for life,” promises Pletz.
Shop for a new book – for free
Give the kids an experience they won’t forget by taking them to B is for Books, a free children’s bookshop. Located right beside Pittsburgh’s waterfront shopping complex, the Ready Ready Pittsburgh initiative opened the bookstore in early 2024 as a way to give high quality reading materials back to the community.
“Every child ages birth to 18 that comes through our door can choose three free books to take home and keep – we aren’t a library.” says Mark Sepe from Reading Ready Pittsburgh. “There are no income requirements, and you can come as many times as you please. The bookstore also offers helpful resources, a reading nook, and plenty of activities to enjoy.”
A weekend itinerary for Pittsburgh with kids
“As a mother of two, these are some of our favorite things to do in Pittsburgh,” reveals Emily Papa, a publisher for the event calendar Macaroni KID.
Papa recommends: “Spend a day at Kennywood Amusement Park, enjoy an afternoon on one of our three rivers (whether it be kayaking or on a Gateway Clipper Cruise), explore our incredible local parks (Mingo Creek Park is a favorite), grab a slice of pizza from Fiori’s Pizza, and sweeten the day with a $5 box of candy from Grandpa Joe’s. There are always so many events happening, so we always check the Macaroni KID event calendar to help find fun!”
9. One day in the Steel City
If you just have one day in Pittsburgh, why not see the best views and make the most of your time sampling the local cuisine? For a jam-packed day full of nature, make sure you check out these Pittsburgh bucket list spots.
“When you’re in Pittsburgh, our two must-do experiences are the National Aviary and the Phipps Conservatory and Botanical Gardens, where you can spend a whole day wandering the gardens,” suggest Scott and Melissa Barronton of the travel blog Sunshine Travelers. “Since these spots are both indoors, you don’t have to worry about the weather.”
Must-visit food spots for your day in Pittsburgh come highly recommended from the Sunshine Travelers as well. “Get lunch at The Porch at Schenley, located between the Aviary and Gardens. After, ride the Duquesne Incline and have dinner at Monterey Bay Fish Grotto, but be sure to get reservations ahead of time. For a treat, don’t miss brunch or cocktails at The Speckled Egg in the beautifully renovated Union Trust Building.”
Unique things to do in Pittsburgh, PA: Final thoughts
Pittsburgh is brimming with unique experiences that go beyond the typical itinerary, offering an eclectic mix of art, adventure, places to explore, and is also a great place to live. Whether you’re a longtime resident or a first-time visitor, there’s always something new to discover in this historic city. From hidden art gems to Pittsburgh’s vibrant neighborhoods, the Steel City invites you to explore and connect with its local spirit.
When considering moving to Iowa, many factors come into play, including job opportunities, lifestyle, and community vibes. With its mix of charming small towns and bustling cities, the question arises: is Iowa a good place to live? In this article, we’ll explore what life is like in Iowa and provide a balanced perspective on the pros and cons of calling this Midwestern state home.
Is Iowa a good place to live?
Iowa seamlessly combines the allure of rural landscapes with the conveniences of urban living, attracting a diverse range of residents. Cities like Des Moines and Cedar Rapids provide lively cultural scenes, with theaters, galleries, and music festivals that cater to various tastes. The arts community thrives, thanks in part to organizations like the Des Moines Arts Festival and the Cedar Rapids Museum of Art.
Additionally, If you love the outdoors, you will find plenty to do in Iowa. The state has an extensive network of parks, trails, and rivers, perfect for hiking, biking, and fishing. The scenic beauty of the Loess Hills and the rolling landscapes along the Mississippi River provide stunning backdrops for weekend adventures. With a slower pace of life, Iowa is a great place to live, but it does come with challenges to consider.
Iowa state overview
Population
3190,369
Biggest cities in Iowa
Des Moines, Cedar Rapids, Davenport
Average rent in Des Moines
$1,114
Average rent in Cedar Rapids
$810
Average rent in Davenport
$987
1. Pro: The cost of living is affordable
Iowa stands out for its incredibly low rental prices, making it an appealing choice to live. In cities like Des Moines, the average rent for a one-bedroom apartment hovers around $1,100, significantly less than comparable metropolitan areas like Chicago, where prices can soar above $2,000. Other cities, such as Cedar Rapids, offer even more affordable options, with average rents around $800, respectively. This lower cost of living not only allows residents to enjoy a comfortable lifestyle but also frees up funds for savings, investments in education, or recreational activities, making Iowa a good place to call home.
2. Con: There are limited job opportunities
Some residents find that job opportunities in Iowa, specifically in specialized fields, can be limited. Higher-paying positions tend to cluster in urban centers like Des Moines, leaving rural areas with fewer options. This can create challenges for those seeking careers in specific industries, such as technology or healthcare. Consequently, individuals may need to commute long distances or consider relocating, which can be a significant drawback for many.
3. Pro: Iowans are friendly
Iowans are renowned for their genuine friendliness and hospitality. The state’s agricultural roots create a community, where neighbors often know each other and lend a helping hand. This welcoming culture is evident in local events, community gatherings, and volunteer opportunities that encourage participation and connection. Newcomers often find it easy to settle in and make friends, which can significantly enhance their overall living experience.
Insider scoop: If you’re new to Iowa, attending a local county fair or farmers’ market is a great way to dive into the community. These events are not just about shopping and entertainment; they also offer a chance to meet locals who are eager to share stories, recommend favorite spots, and introduce you to traditional Iowa treats.
4. Con: There are a lack of major urban centers
For individuals accustomed to the fast-paced lifestyle of major urban centers, Iowa’s largest cities may feel small and limiting. With a population of around 214,000, Des Moines lacks the diverse cultural offerings, extensive nightlife, and shopping options found in cities like Chicago or New York. While local amenities exist, those seeking vibrant urban experiences may find Iowa’s offerings insufficient.
5. Pro: Iowa has a strong agricultural heritage
Iowa takes immense pride in its agricultural heritage, being one of the leading producers of corn and soybeans in the nation. This connection to the land cultivates a strong community identity, with local fairs and events, such as the Iowa State Fair, celebrating farming traditions and innovations. Agricultural practices are often linked to sustainability, with many farmers implementing eco-friendly techniques.
Insider scoop: Visiting the Iowa State Fair is a must for anyone wanting to experience the heart of Iowa’s agricultural culture. Beyond the famous fried foods and carnival rides, you’ll find livestock competitions, live demonstrations of farming techniques, and even opportunities to meet local farmers.
6. Con: Seasonal allergies can be tough to manage
Iowa’s extensive agricultural landscape can pose challenges for residents with allergies, particularly during the spring and fall seasons. Pollen from crops such as corn and soybeans can trigger allergic reactions in sensitive individuals, making outdoor activities uncomfortable. This issue may impact daily life, especially for those who enjoy outdoor recreation.
Insider scoop: If you’re prone to allergies, consider investing in an air purifier for your home and keep windows closed during peak pollen times.
7. Pro: Iowa has a unique food scene
Iowa’s food scene is rich and diverse, showcasing local ingredients and culinary traditions. The state is famous for its Maid-Rite sandwich, a loose-meat sandwich that has become a staple in local diners. Additionally, a growing farm-to-table movement emphasizes the use of fresh, locally sourced ingredients in restaurants and markets. Farmers’ markets in cities like Iowa City and Ames feature seasonal produce, homemade goods, and artisanal products, you don’t want to miss.
8. Con: Beware of the natural disaster risks
Iowa is susceptible to various natural disasters, including tornadoes, floods, and severe storms. Residents must stay informed about weather conditions and prepare for potential emergencies, which can be stressful. Tornadoes can occur during the spring months, leading to the need for emergency plans and preparedness kits. Flooding, especially in areas along the Mississippi River, can cause property damage and disrupt daily life, making disaster awareness essential for all residents.
Insider scoop: Many communities in Iowa hold annual emergency preparedness workshops, teaching residents how to create effective disaster plans.
9. Pro: There are plenty of seasonal festivals to enjoy
Iowa hosts a variety of seasonal festivals that celebrate its culture, history, and agricultural heritage. The Iowa State Fair is a highlight, attracting over a million visitors each year who come to enjoy rides, live music, and delicious food. Other events like the Pufferbilly Days in Boone and the Tulip Time Festival in Pella showcase local traditions and crafts. These festivals foster a community and provide opportunities for residents and visitors to connect.
10. Con: You may feel rural isolation
Many Iowans live in rural areas, which can create a sense of isolation, particularly for those used to urban living. Residents in towns like Fairfield may need to travel long distances for essential services, shopping, and entertainment. While the peaceful rural lifestyle has its charms, it can also feel disconnected, especially for newcomers accustomed to more vibrant social scenes.
Holiday shopping season is upon us, and the pressure is on, or at least it feels that way for some parents. A new NerdWallet survey, conducted by The Harris Poll, finds that 48% of parents with children under 18 feel pressure to spend more money on holiday gifts than they’re comfortable spending.
According to NerdWallet’s annual holiday spending report, Americans are spending quite a bit more on holiday travel and gift shopping than last year. And parents plan to spend more than those who are not parents of kids under 18. Parents of minor children who plan to purchase gifts this holiday season say they’ll spend $1,070, on average, compared to $860, on average, among those who are not parents of minors. And parents of kids under 18 who plan to spend on flights or hotels this holiday season will spend a whopping $2,610, on average, for these travel expenses, compared to those who are not parents of minors who plan to spend $2,131, on average.
Having kids can be expensive any time of year, but the holidays may up the ante. Here are five tips for parents trying to keep costs in check this holiday season.
1. Create a budget with stability in mind
According to the survey, 13% of minor parents who plan to buy gifts this year will likely need to use some of their emergency savings to pay for them, and 12% will prioritize gift buying over paying some of their regular bills this holiday season. Also, 38% of parents of minor children who plan to buy gifts this year say they will probably go into more debt than usual to make these purchases.
There can be a lot of pressure to make the holidays magical for your kids. However, if you do so at the expense of stability — money set aside for emergencies, bills paid on time, a manageable debt load — it can set you up for future money stress. This doesn’t only impact parents: kids may sense the unease or anxiety that financial precarity is causing the family. Instead, aim to make a gift shopping budget that’s realistic for you and provides consistency for your household, instead of financial highs and lows.
The survey found that 15% of parents of minor kids who plan to buy gifts this year will purchase some gifts secondhand.
Buying previously loved gifts for children is a savvy way to shop, particularly since kids often outgrow things fast — clothing and toys alike. Though some parents may be uneasy about shopping secondhand, young children very likely won’t know the difference between a new toy or a thrift store treasure. Check out your local secondhand shops, Buy Nothing groups and Facebook Marketplace, or swap like-new toys with friends who have kids around the same age as yours.
3. Declutter your holiday gift list
Nearly 3 in 10 parents of children under 18 who plan to buy holiday gifts this year (29%) say they’ll purchase gifts for fewer people than they did in years past.
Consider paring down the number of people you get gifts for. Maybe you want to buy presents just for the kids in your family or friend group this year, or perhaps you can organize a Secret Santa swap with the adults. Talk to your loved ones about possibly not exchanging gifts — or exchanging less expensive gifts — to free up funds to cover your immediate family’s gift and travel expenses this holiday season.
4. Don’t forget caregivers in your budget
This is less of a money-saving strategy and more of a planning one, but if you plan to give gifts to teachers or caregivers, make sure to factor that into your holiday spending budget. That gives you an opportunity to snap up deals when they arise and also gives you a clearer picture of how much you need to set aside for gift spending.
5. Travel off season
Nearly 2 in 5 parents of minor children who plan to pay for flights or hotels this holiday season (38%) say they’ll keep their usual holiday travel plans this year, regardless of expense. But if you can be flexible, you may be able to save money by avoiding the busiest travel days around the holidays.
This isn’t possible for everyone, as work and school schedules may mean your only travel window is limited to the busiest — and priciest — of the year. But if you can spend quality time with loved ones during a less peak travel time, you’ll likely enter the new year with more of a financial cushion.
Methodology
This survey was conducted online within the United States by The Harris Poll on behalf of NerdWallet from September 10-12, 2024 among 2,079 U.S. adults ages 18 and older, among whom 524 are parents of kids under 18, of which 460 plan to purchase gifts this holiday season and 328 plan to spend money on flights/hotels this holiday season. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.5 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact [email protected].
Disclaimer
NerdWallet disclaims, expressly and impliedly, all warranties of any kind, including those of merchantability and fitness for a particular purpose or whether the article’s information is accurate, reliable or free of errors. Use or reliance on this information is at your own risk, and its completeness and accuracy are not guaranteed. The contents in this article should not be relied upon or associated with the future performance of NerdWallet or any of its affiliates or subsidiaries. Statements that are not historical facts are forward-looking statements that involve risks and uncertainties as indicated by words such as “believes,” “expects,” “estimates,” “may,” “will,” “should” or “anticipates” or similar expressions. These forward-looking statements may materially differ from NerdWallet’s presentation of information to analysts and its actual operational and financial results.
In Encino Hills, a place where hillside mansions reign supreme, flat lots are outliers.
But this newly built, ultra-luxurious estate in Encino Hills sits on a sprawling 1.1-acre lot of completely flat, usable land — maximizing every square inch of the property for its future owners’ gain.
As such, the newly built home can offer a whole suite of amenities that aren’t easy to come by, including a grand driveway, a full-size basketball court, a resort-style zero-edge pool, two cabanas, and plenty of indoor-outdoor entertaining spaces.
Listed for $14,995,000 with Farah Levi of The Agency and Joshua Altman of Douglas Elliman, the brand-new Encino house is one of the city’s most impressive homes currently on the market. But you don’t have to take our word for it, we’ll let the pictures do all the talking.
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A brand new, contemporary home in Encino Hills
Photo credit: Tyler Hogan / The Agency
Nestled in the peaceful, hillside neighborhood of Encino Hills, known for its beautiful views and quiet atmosphere, the 12,034-square-foot home was completed in 2024.
The newly completed residence has 6 bedrooms and 10 baths and a range of upscale amenities, including a gourmet kitchen, a game bar with mounted TVs, a movie theater, a fitness and wellness center, and more.
Sitting on a fully flat, 1.1-acre lot
Photo credit: Tyler Hogan / The Agency
Unlike the rest of the homes in this hillside enclave, the house at 4640 Petit Avenue in Encino is positioned on completely flat, fully usable land, maximizing every square foot of its generous 1.13-acre lot.
A palm tree-lined driveway leads up to the home
Photo credit: Tyler Hogan / The Agency
Set behind a gate located far back from the street for maximum privacy, the driveway leading up to the house is lined with 13 towering palm trees, setting up the scene for the luxury that lies ahead.
Over 12,000 sq. ft. of luxury interiors
Photo credit: Tyler Hogan / The Agency
Inside, we find an impressive 12,034 square feet of luxury interiors with distinctly contemporary aesthetics, modern furnishings, and upscale finishes. Tall, 12-foot pocket doors open up to the outdoor areas, making them part of the decor.
With a grand living area
Photo credit: Tyler Hogan / The Agency
Rooms flow effortlessly from one to the next, with a massive living area anchoring the one-story modern mansion.
See also: 18 modern mansions that redefine house goals
And a gourmet kitchen for the ages
Photo credit: Tyler Hogan / The Agency
Per the listing, “The gourmet kitchen and butler’s kitchen, equipped with top-of-the-line Miele appliances and dual islands, is an entertainer’s dream.”
Refined dining areas
Photo credit: Tyler Hogan / The Agency
Dining options abound, as the Encino house has a formal dining space — with an eye-catching wine storage display and an elegant bar with seating — as well as in-kitchen dining, and semi-al-fresco dining right outside the kitchen area (also fitted with a wet bar).
Elegant spaces embrace indoor-outdoor living
Photo credit: Tyler Hogan / The Agency
Most common areas feature 12-foot pocket doors that lead to outdoor areas, which not only provide easy access but also amplify the spaces, making them feel even larger than they are, while also flooding the voluminous rooms with natural light.
Earthy and natural tones balance the luxury
Photo credit: Tyler Hogan / The Agency
The polished interiors were expertly designed by a renowned professional design team, who opted for a palette of earthy, natural tones that exude sophistication — and which pair nicely with the warm colors and natural materials (like stone, quartz, and warm wood) used throughout.
Into the primary bedroom suite
Photo credit: Tyler Hogan / The Agency
A private retreat with a glam black onyx fireplace, the primary bedroom suite is a serene space that, much like the rest of the house, opens up to the outdoor areas through sliding glass doors.
The bathrooms scream luxury
Photo credit: Tyler Hogan / The Agency
The elegant primary bathroom has a large walk-in shower with entries on both sides standing in the middle, flanked by large his and her’s vanities on both sides.
The home has a full game bar
Photo credit: Tyler Hogan / The Agency
For the ultimate hangout spot, the house’s so-called “full game bar” has been equipped with four mounted TVs, so future residents (and their guests) will never miss a game.
Right next to a stylish home office
Photo credit: Tyler Hogan / The Agency
In tune with the house’s work/play design, we find a stylish, glass-enclosed home office right next to the game bar.
With a majestic olive tree acting as an outdoor centerpiece
Photo credit: Tyler Hogan / The Agency
“One of the home’s most unique and stunning features is the majestic olive tree,” the listing reads, “an impressive centerpiece that brings a touch of nature right into the core of your living space.”
Outside we find a full-size basketball court
Photo credit: Tyler Hogan / The Agency
The home’s most notable amenity is the full-size basketball court, which pays tribute to NBA legend Kobe Bryant — sporting both Kobe’s logo and his jersey numbers, No. 8 and No. 24.
And a whole suite of outdoor amenities
Photo credit: Tyler Hogan / The Agency
Stepping outside, we find a sunken seating area with a fire pit, an infinity edge pool, lush landscaping, and strategically placed lighting that makes the entire outdoor space light up at night.
Including two cabanas
Photo credit: Tyler Hogan / The Agency
Completing the outdoor amenities are two cabanas, one facing the pool area, with the other sitting right next to the basketball court for easy access to mid-game refreshments.
With ample space for entertaining
Photo credit: Tyler Hogan / The Agency
Both cabanas offer additional space for entertaining guests and can be potentially converted to serve other purposes (like a yoga studio, workshop, etc.)
There’s also a car showroom
Photo credit: Tyler Hogan / The Agency
The parking garage — complete with sleek epoxy flooring — doubles as a showroom, with a glass wall allowing guests to peek inside.
Located in the star-studded yet family-friendly neighborhood of Encino
Photo credit: Tyler Hogan / The Agency
The property is located in Encino, a top-tier neighborhood in the San Fernando Valley region of Los Angeles known for its parks, green spaces, and recreational venues. The area has long attracted both families and bonafide celebrities calling it home.
Current residents include Selena Gomez, Machine Gun Kelly, Gwen Stefani and Blake Shelton, Jesse Tyler Ferguson, Black Panther star Michael B. Jordan, and two-time NBA All-Star Kiki VanDeWeghe.
A perfect retreat for an athlete
Photo credit: Tyler Hogan / The Agency
With its full-size basketball court, wellness and fitness-oriented amenities, and glam look, this showstopping Encino house is being touted as “a great fit for an athlete”. And we tend to agree, so we’ll be keeping our eyes on it, to see who buys this newly built trophy property.
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Jacksonville, Florida, is a city known for its blend of urban charm and natural beauty, offering a wide range of activities for both locals and visitors. From hidden gems tucked away in historic neighborhoods to outdoor adventures along the St. Johns River, Jacksonville has no shortage of unique things to do. Whether you’re looking for arts, culture, Jacksonville nightlife, or a peaceful escape in nature, there’s something unexpected around every corner in this vibrant coastal city.
Interested in moving to Jacksonville, FL? Check out: Apartments for rent in Jacksonville, FL | Houses for rent in Jacksonville, FL | Homes for sale in Jacksonville, FL
1. Catch a Jaguars game
If you are new to Jacksonville, there is only one activity that is quintessentially Jacksonville – and that’s a trip to Everbank Stadium to watch the Jacksonville Jaguars. “The energy, the excitement, the overwhelming (sometimes false) sense of optimism. Win or lose, it was always and it will always be the Jags.” – Mesa – Indian Restaurant
If you’re exploring Jacksonville’s vibrant creative scene, don’t miss Jax Mini Sessions Studio. “We’re a community hub for photographers, content creators, and local businesses to bring their visions to life. And for a fun, colorful twist, head next door to our neighbor, Barkum’s Art of Fun, where you can splatter paint and unleash your inner artist after your photo session for more creative fun. Jacksonville is bursting with creativity, and we’re proud to be a part of it!” – Tabitha Baldwin
Rosalia’s Italian Restaurant and Pizzeria is a family-owned, made-from-scratch eatery known for its warm, inviting atmosphere and authentic, affordable Italian food and drinks. “Whether you’re stopping in for a meal or looking for a place to unwind, Rosalia’s has something for everyone. Right next door, we have a chic cocktail lounge that offers a limited menu from Rosalia’s, along with plenty of entertainment, including pool tables, steel tip darts, and 13 large-screen TVs. It’s the perfect spot to relax, enjoy great food, and have a fun time with friends.” – Dante and Rosalia – Dante’s Place at Rosalia’s
Take advantage of Jacksonville’s proximity to water at Floating Sea Aquatics, Jacksonville’s most unique and diverse hang-out spot. “It capitalizes on the diversity of Jax by implementing several different factors into their lounge including aquatic displays, art classes, coffee lounging area, board games, and kava culture. Floating Sea Aquatics is definitely a wholesome and kid-friendly visit – perfect for including it into your travel plans.” – Jacksonville June Bug
For those seeking an upscale dining experience in the Jacksonville area, Restaurant Medure is the place to be and one of the most engaging and unique things to do in Jacksonville, FL, for foodies.
“This elegant establishment is known for its innovative menu, which blends French, Italian, and American flavors. Our clients praise Restaurant Medure located in Ponte Vedra, it is known for its impeccable service and attention to detail. The menu changes seasonally, ensuring that each visit offers something new and exciting. Standout dishes include the braised short rib, the foie gras, and the exquisite desserts. The result is a culinary experience that is both refined and adventurous!” – Mark Geallis – Jacksonville Black Car Limo Service
If you’re exploring Jacksonville, make sure to add The Portrait Boutique to your list of must-do activities. “Located in San Marco, this top-rated photography studio offers a personalized experience for portraits, maternity sessions, weddings, and corporate sessions. The studio even has a 360 Photo Booth and an in-house wardrobe for women, making it perfect for capturing those special moments in style.” – Danni Harris
For a true taste of Jacksonville Beach fun, head to Adventure Landing and Shipwreck Island Waterpark! “From heart-pounding water slides and a lazy river to mini golf, go-karts and arcade games, this spot has something for everyone. It’s the perfect place to soak up the sun and enjoy the family-friendly, beach-town atmosphere that defines Jacksonville. Whether you’re looking for thrills or just a relaxing day in the water, this local gem is a must-visit!” – Lisa Frint – Adventure Landing
For an insider look at Jacksonville’s vibrant scene, we recommend spending an evening at The Florida Theatre. “This beautifully restored 1927 venue is a cornerstone of culture in the city, hosting everything from concerts by world-class musicians to film festivals and comedy shows. Its elegant architecture and rich history make it a quintessential Jacksonville experience — perfect for those who appreciate the finer things in life, much like our residents at The Note.” – Rafael Ortiz, Leasing & Local Outreach Marketing Manager – The Note Apartments
If you’re a cat lover hoping to make some feline friends from a safe distance, The Catty Shack Ranch offers one of the most unique things to do in Jacksonville, FL.
“This non-profit organization’s purpose is to educate the public about the perils of keeping large cats as pets, as well as the threats to the cats posed by changing weather, environmental contamination, shrinking habitats, and hunters.
None of the animals residing in the Catty Shack are ever purchased, sold, or traded; they are often brought here by owners who couldn’t adequately care for them. You and your children will be overjoyed as you get up close and personal with some of the world’s unique cats. The refuge is home to tigers, lions, pumas, bobcats, cougars, foxes, leopards!” – Mark Geallis – Tipper Transportation
If you’re looking to create unforgettable memories in Jacksonville, be sure to book your next adventure with Under The Stars Glamping Adventures! “Northeast Florida’s premiere luxury tent rental service, Under the Stars Glamping Adventures offers glamorous outdoor and indoor tents for sleepovers, camping, picnics, weddings, movie nights and more! Whether it’s at your home or a campground, park or a venue, this mobile glamping company creates the most unique glamping adventures wherever you need them for whatever special occasion you are celebrating!” – Candice Stevens – Under The Stars Glamping Adventures
11. Head downtown and learn about voting before Election Day
Moving to Jacksonville? Don’t forget to register to vote while seeing the downtown sights all around you!
“The Duval County Supervisor of Elections office, located in the heart of downtown, is proud to provide the information, education, and technology to ensure fair elections for all voting citizens of Duval County. With a commitment to honesty, integrity, and respect for every vote, we’re here to serve your voting needs.
For those new to Jacksonville, downtown is a must-see! While you’re exploring downtown, stop by our office to register and experience the vibrant city around you.” – Jerry Holland, Supervisor of Elections
No matter what your interests may be, Jacksonville offers an abundance of unique experiences that are sure to make your visit unforgettable. From scenic outdoor activities to quirky local spots, there’s always something new to discover. So, next time you find yourself in Jacksonville, take some time to explore beyond the usual attractions — you might just uncover a hidden treasure that becomes your favorite part of the city.
Bank of America is offering a one-day rewards holiday on November 7, 2024 whereby all personal and business cards from Bank of America will earn an extra 2% cash back / 2x rewards points. Limit of $2,500 in spend per card
Our Verdict
This can be an interesting offer with the following cards:
The Travel Rewards, Premium Rewards, and Unlimited Cash Rewards cards earn 1.5% on all purchases. On November 7th you’ll get an extra 2% for 3.5% total everywhere.
This is especially interesting for top-tier Preferred Rewards relationship clients who always get 2.62% on all purchases with these cards and will get 4.62% everywhere on November 7th.
Bank of America Customized Cash Rewards card always gets 3% on one category of your choice (or 5.25% for Preferred Rewards clients) and 2% on grocery/wholesale (3.5% for Preferred Rewards clients) on up to $2,500 in purchases. On November 7th it’ll be 2% on top of that. That’s a potential total of 7.25% on your chosen category for top-tier Preferred Rewards clients.
Earn 3x miles per dollar everywhere on the Alaska Airlines card.
Apply for a new Bank of America card now and you’ll hopefully have the card by November 7th when you can meet the minimum spend at increased earn rates.
Last year there was no cap, but this time there is a $2,500 cap in spend.