Activities

Apache is functioning normally

Every year, daylight saving time (DST) ends on the first Sunday in November. And every year, it causes a ruckus, even with the extra hour of sweet, sweet sleep tucked in for comfort. Every year, people also erroneously tack an ‘s’ onto the end of “Saving,” but that’s beside the point.

The whole purpose of DST is to add extra daylight at the end of a traditional workday, a nice idea in theory. But in reality, when it ends and people “fall back,” it can feel something like being plunged into a black hole of seasonal darkness.

Doing away with daylight saving time

There is a Senate Bill currently awaiting discussion in the House, called the “Sunshine Protection Act.” If passed by the House and signed into law by President Biden, the country would “spring forward” in 2023 and then leave the clocks that way, permanently. This would result in darker mornings, but evenings would be brighter for those commutes and maybe a little time outdoors in the winter.

Only two states don’t follow DST, Hawaii and Arizona. Instead, they just keep the clocks static year round and take the sunrise and sundown naturally. Although they’re probably not as adept as the rest of us at changing the time on microwaves and standard ovens, they benefit in other ways from bucking the norm. Hawaii, for instance, doesn’t follow the Uniform Time Act because its location means that there’s not much variation in day versus night in the first place, so there’s no need to go through the trouble.

The Grand Canyon State of Arizona is in a similar situation. Since that state is pretty much all desert, residents already deal with plenty of extreme heat. This means that they aren’t as keen as other areas to add any additional daylight in the summer. For the moment, however, Arizona and Hawaii are in a boat by themselves.

Although many people are preemptively dreading earlier sunsets that will suddenly kick in on Sunday, November 6, there are some creative ways to spin the reset to your advantage. Here are a few suggestions on how to adjust to daylight saving time ending, so that you get better sleep in the process.

1. Catch up on sleep

The good news is that unlike Fall Back’s evil stepsister Spring Forward, in November we get an extra hour of sleep to play with. The savvy person will resist the urge to stay up an hour later, however, and instead go to bed at the normal time (adjusted for the change – so if you usually go to bed at 11 p.m., hit the hay at the equivalent of 10 p.m., instead). Your iPhone will still read 11 p.m., but your brain will know better. So if you had a particularly exhausting week, your body will appreciate the chance to recuperate a bit extra. Or, perhaps you’ll wake up an hour earlier, ready to take on the day. Either way, it’s a win-win.

2. Keep to a schedule

Tempting as it might be to sleep in on weekends or stay up super late, a consistent sleep routine is very important to overall health and well-being. Use the end of daylight saving time as an opportunity to reset your body if you’ve lapsed into poor sleep habits. To do this, set a specific wake-up time and bedtime for every day of the week, and stick to it. This will help to put your body into a good rhythm so it knows what to do and when. Improving your sleep hygiene, as it’s known, helps rectify problems like sleep disturbances, daytime sleepiness and trouble getting to sleep.

3. Wear a sleep mask

The end of DST means that the sun will come up earlier. If that time is before your regular rise-and-shine, try wearing a sleep mask to block out the sun’s rays to better adjust to daylight saving time. Or, invest in some room-darkening curtains/shades. They are a difference-maker, for sure.

4. Use the early sun to your advantage

Commit to using the earlier sunrise to get some much-needed vitamin D. Head outside for a brisk walk with the dog (or on your own), or open the shades and do some yoga in the morning sunlight. Exposure to this natural light first thing in the morning will do wonders at adjusting to the time chase and warding off seasonal affective disorder (SAD). Symptoms of SAD often appear during low-sunlight months and can show up as depression, weight gain, fatigue, pulling back socially, oversleeping and more.

5. Help children “fall back” gradually

Babies and kids generally don’t get the memo about the extra hour of sleep, which leaves weary caregivers to get up in the pitch-black wee hours of the morning. Adjust them to the change by moving bedtime gradually later a few days in advance. This will help their bodies sync with the impending time change, hopefully resulting in a tolerable wake-up time, come November 6.

6. Fuel yourself for good sleep

Some of the most popular nighttime snacks are actually the worst if a good night’s sleep is what you’re after. Ice cream, chocolate and salty chips are all disruptive to sleep patterns thanks to their sugar and salt content. Break these bad habits in advance of DST ending to achieve a better night’s sleep. Instead, shoot for calming foods, like bananas, nuts or a glass of warm milk.

7. Set up an evening routine

The human body will wind down if you tell it to through a standard routine. Nightly rituals will indeed help the brain move into “sleep mode” better than it would otherwise. Consider starting off with a shower, which signals the brain that the day is ending, and starts the relaxation process. Perform all necessary dental and skincare hygiene, adjust the thermostat as needed and settle in between the sheets. A few nights of sticking to a plan is usually all it takes to train your body.

8. Put away the devices

Your brain and body are already confused by the time change, so don’t make it worse with electronics! Cell phones, video games, television and the like mess up melatonin production in the last hour or two before bed. To help you adjust to daylight saving time, put all of those all away for the night at least 30 minutes before you want to go to sleep. At the very least, change settings on laptops, phones and other devices to “dark mode” well in advance of bedtime. This reduces the amount of detrimental “blue light,” which tricks the body into staying awake.

9. Do this instead before going to sleep

Wondering what to do without a last social media scroll or Netflix show? Those will only stimulate your brain and even cause anxiety if the content is tense enough. Instead, try reading a book using a book light or lamp with an incandescent bulb. Or, do some breathing exercises, meditation or other calming activities to relax the brain and body for sleep.

10. Don’t overstimulate yourself

Even if you’re still feeling sluggish in those first couple of days after falling back, resist the urge to overstimulate yourself. Excessive late-in-the-day caffeine consumption, evening exercise and such will help keep a person awake during the day, but will also result in insomnia come bedtime.

Save yourself when DST ends

Now that you know how to adjust to daylight saving time ending, the only thing left to do is follow through. With any luck, this could be the last time the American public has to suffer through the experience!

A freelance writer based out of the Atlanta area, Alia has penned articles during her decade+ career for such sites as HowStuffWorks, TLC, Animal Planet, Zillow and many more. Her favorite things to write about include fitness, nutrition, travel, healthcare and general lifestyle topics. A graduate of the University of Georgia, Alia’s an avid Dawg, but she also loves reading, sewing, eating all things chocolate and playing sports with her husband, three boys and beloved border collie, Flash.

Source: rent.com

Apache is functioning normally

Whenever my siblings and I misbehaved growing up, my mom knew the perfect punishment for each of her children. 

Josh, the social butterfly, would be grounded. Will, the gamer, would get no screen time. And whenever I disobeyed, mom was quick to announce my dreaded sentence. “No sweets.”

As an adult, I’d take a glass of wine with cheese and crackers over a bowl of ice cream any day, but the 12-year-old Kate was devastated every time my parents deprived me of sugar; and although my mom hasn’t punished me in years, my budget has assumed the role of disciplinarian in adulthood.

For the sake of our present and future, we, the grown-ups, must limit frivolous purchases to prioritize saving. Yes, it’s a challenge to monitor your own spending habits (especially when you’re the one to determine those habits), but I hope we can also agree it’s absolutely necessary.

With all this said, here’s the good news: budgeting doesn’t have to suck!

Next time you’re struggling to say “no” to dinner and drinks or that fancy new TV, revisit the following tips to keep your spending in check and stay focused on saving for tomorrow!

What’s Ahead:

1. Remember why you’re budgeting

If money wasn’t a limiting factor, I’d be quite the shopaholic. I’d buy some waterproof hiking boots, a new rug for my living room, a Patagonia sweater, an exercise ball and desk, and so on and so forth.

This is why my budget is essential. While spending money isn’t inherently bad, letting your spending habits run wild will come back to bite you in the long run.

Whenever you feel frustrated and limited by your budget, remember that it’s there to help you, not hurt you. It may not feel like it at the moment, but that’s why it’s imperative that you pause to remind yourself why you’re budgeting in the first place. The same can be said for eating one thin mint and not the whole box or watching one episode of Schitt’s Creek and not a whole season. 

For the sake of your health and your wellbeing, you need to maintain a little restraint every once in a while. Your future self will thank you for it.

2. Accept all the help you can get

It’s not easy to decline dinner with friends or ignore a sale at your favorite retailer. It’s even harder to do it over and over again.

Luckily, there are a number of budgeting services available to help you manage your spending and keep up the healthy habits. PocketSmith integrates with more than 12,000 financial institutions so you can monitor all your money in one convenient location. You can break your budget down into manageable chunks of time, such as weekly or even daily, and categorize and organize your past transactions and upcoming bills.

With all this said, one of the best features PocketSmith has to offer is you can forecast your saving and spending habits up to 30 years in the future! 

3. Set aside some “fun money”

A couple of years ago, I had the opportunity to chat with a nutritionist. I asked her opinion on individual ingredients like eggs and tofu. We talked about multiple small meals versus breakfast, lunch, and dinner. But, there’s one statement she made I clearly remember.

“I don’t like diets,” she said.

Her reasoning wasn’t that diets are ineffective or unhealthy, but that they’re not sustainable. Sure, you can lose 15 pounds in a couple of months, but then what? If you want to keep the weight off, she said, you need to find a long-term solution.

The key to sustainable dieting is moderation, and personal finance fits this same rationale. If you deprive yourself of dinner out indefinitely, not only will you feel a little sour when your friends grab a drink without you, but your relationships may suffer too. Whether you enjoy splurging on clothes, food, experiences, travel, or something else entirely, cutting those joys from your life completely will probably do more harm than good.

The best long-term solution for your budget is to make “fun money” a priority. Evaluate your budget and set aside a little cash each month for a few pleasant purchases. When you want to spend on a new pair of boots or a weekend vacation with friends, you’ll have some money available to make the purchase.

4. Make a list of what you want to buy

About a year ago, I had a conversation with a former coworker about money.

He was preparing to transition to a new job, and I was getting ready to start freelance writing full-time. We both had some major modifications to make to our budgets, and he told me that one habit that has helped him and his wife monitor their spending was making a list of everything they wanted to buy. Every time they had extra cash to spend, they’d refer to their list and buy whatever item or experience sat at the top.

I went home that day and made my own list.

Instead of feeling like you don’t have enough money to buy the things you want, restructure your spending habits so it feels like a positive experience. Every time you have the money to buy something you want, checking that item off your list will feel like you’re accomplishing a goal rather than missing out on a new gadget or adventure. 

5. Become a bargain hunter

One of my husband and my favorite activities is thrift shopping. In fact, many of our date nights include a quick trip to Goodwill before heading to the local brewery.

We certainly love the quirky paraphernalia, the surprise deals, and the one-of-a-kind finds; but, our appreciation for secondhand goods has also risen out of necessity. I really enjoy shopping, for instance, but if I shopped at Lululemon I’d run out of fun money in the first few days of the month.

Whether you opt for clearance racks or not, there are always ways to cut costs so you can save (or spend) more each month. If you’re like me and are prone to overspending on groceries, seek out budget-friendly meals and stock up on non-perishable items like pasta and dry beans. If trips are your kryptonite, try a hostel instead of an Airbnb, learn how to hack travel rewards, and make use of vacation packages on travel booking sites like Expedia and Kayak.

With just a little research, you’ll find there are a variety of sites and services available to help you put away a little extra money each month. Take some time to seek these out and start implementing some new, cost-cutting habits today!

6. Prioritize easy investing

I feel like investing is one of those tasks I’ve always been encouraged to do, but have never felt motivated to learn how and have even been intimidated to try.

Fortunately, investing doesn’t have to be a time-consuming, daunting to-do. There are a variety of financial services out there that have designed investing platforms uniquely for the folks who feel ill-equipped to jump right into the process.

With Acorns, for example, you can invest a little spare change whenever you make a purchase. They call the feature “Round-Ups,” and it’s designed to make investing automatic, so you don’t have to spend time thinking about it.

You can also schedule automatic “micro-investments” as often as daily. Acorns is a multi-function financial app, but the Acorns Invest service provides an easy, low-cost introduction to investing, so you can familiarize yourself with the process without committing too much money or time.

7. Make budgeting a pleasant experience

At the beginning of every month, my husband and I sit down to review our spending from the previous month. I won’t lie; it’s not my favorite to-do. It typically takes a couple of hours to make sure every transaction is categorized correctly, reassess our budget categories, and make sure we’re both prepared for the upcoming month’s expenses.

To help us stay focused and happy through those two hours, we’ve implemented a couple of things to make budget meetings something to look forward to. We’ll grab a couple of glasses of wine or tea, turn on some jazz, and maybe even pick up a couple of bars of dark chocolate. Sometimes those simple joys make the evening feel a little less like a meeting and a little more like a date.

When it’s time for you to sit down at the kitchen table with a stack of receipts and bills, grab a treat first. It’s a once-a-month occasion, so pick up something you’re craving. Make the environment a little more relaxing with some music and maybe a cozy fire or candles. Associate budgeting with positive things, so you’ll feel more motivated to keep up the habit and happier while you do it.

8. Give yourself grace

When I started dating my now-husband Steve, it was apparent immediately which one of us managed money best.

Not only had Steve paid down his student loans, but he’d also even purchased his own house. I, on the other hand, was still buying boxes of ramen and frozen pizzas. So when we got married, I told him to take the lead when it came to finances.

It’s been six years, and I’m sad to say I still end some months wondering where all my cash went. It’s a little embarrassing to review my “whatever I want” fund’s long list of iced coffees, shopping trips, and dinner out, next to Steve’s occasional purchase for outdoor equipment.

But, here’s the important detail to remember: I have improved.

It’s not always easy to see the progress you’re making, but don’t let that deter you! Every minor success is worth celebrating. Every step in the right direction deserves a little praise. And when you look back on the month and wonder where your money went, don’t beat yourself up. Instead, give yourself a little grace and keep trying. If you keep up the hard work, you’ll look back someday with pride at how far you’ve come.

Summary

For the vast majority of Americans, I think it’s safe to say spending is a little easier than saving. Unfortunately, spending too much is also pretty easy.

Budgets are incredibly helpful when it comes to keeping your finances in check, but they’re also a little depressing. It’s not fun to say “no” to a spontaneous trip to the movies or a sudden sale at your favorite online retailer — but it’s also not fun to run out of money.

Fortunately, there are ways you can get the best of both worlds! To stick to your budget and stay happy, take advantage of budgeting services like PocketSmith and learn how to cut costs by bargain hunting. In addition, be sure to check in with yourself every so often. Remind yourself why your budget matters and find ways to make the experience of budgeting a little more enjoyable.

Next time you’re feeling short on cash and down in the dumps, remember you are capable of taking charge of your finances and your mental wellbeing. You can do this, and your future self will thank you for it!

Read more:

Source: moneyunder30.com

Apache is functioning normally

FHA, VA, Reverse News and Training; EverBank Name to Return; Movement Mortgage v DOJ in False Claims Violation?

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FHA, VA, Reverse News and Training; EverBank Name to Return; Movement Mortgage v DOJ in False Claims Violation?

By:
Rob Chrisman

Mon, Jul 3 2023, 10:25 AM

The other night my cat Myrtle began squeaking in her sleep and moving her paws. She was either dreaming about a Chupacabra, a CFPB exam, or the Department of Justice holding on line 2. Movement Mortgage, LLC, was caught up in the latter, and has agreed to pay the United States $23.75 million to resolve allegations that it violated the False Claims Act by “failing to comply with material program requirements when it originated and underwrote mortgages insured by the Department of Housing and Urban Development’s (HUD) Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA)… Movement Mortgage admitted that it certified for FHA mortgage insurance and VA home loan guarantees a material percentage of loans that did not meet applicable requirements and, therefore, were not eligible under those programs, despite inaccurately representing to HUD and the VA that such loans complied with applicable program requirements. Movement Mortgage also acknowledged that HUD and the VA would not have insured or guaranteed the loans but for its submission of false certifications. Movement Mortgage further admitted that it failed to adhere to HUD and the VA’s applicable self-reporting requirements.” (Today’s podcast can be found here and is sponsored by Gallus, the premier business intelligence tool for the mortgage industry. With hassle-free insights and user-friendly functionality, Gallus empowers you to make faster, data-driven decisions for enhanced profitability. Hear an interview with Black Knight’s Frank Poiesz on how AI and associated technologies are helping streamline the origination process and what the future of originations looks like.)

HUD, FHA, Reverse, and VA News and Training

Guess who’s back? “EverBank,” a respected name in the biz, is seeing its name return. “The name change is being timed to the closing of the bank’s sale to investors later this summer. Following an earlier acquisition, the bank’s name was changed from EverBank to TIAA Bank in 2018. TIAA Bank is rebranding to EverBank. The stadium of the NFL team the Jacksonville Jaguars will be renamed from TIAA Bank Field to EverBank Stadium. In November 2022, the parent company TIAA sold TIAA Bank to private investors to help the bank move in an independent direction. TIAA will hold a minority stake in EverBank. The transaction is expected to close later this summer, with the name change taking place officially at the same time.”

EverBank/TIAA do its share of government loans, and in general those products constitute about 25 percent of applications. The U.S. Department of Housing and Urban Development’s Federal Housing Administration (FHA) announced that it will require lenders making FHA-insured mortgage loans to use the Fannie Mae/ Freddie Mac Supplementary Consumer Information Form (SCIF) to collect a mortgage applicant’s language preference. Using the form will enable lenders to make information available in the languages that borrowers will understand best.

Recall that last month, the FHA also launched its new language access web page, which provides translations of key FHA mortgage documents in the top five languages most commonly spoken by borrowers with limited English proficiency (LEP).

So yes, the U.S. Department of Housing and Urban Development (HUD) recently announced in Mortgagee Letter 2023.13 that lenders must use the Supplemental Consumer Information Form (SCIF) of Fannie Mae and Freddie Mac in connection with FHA insured mortgage loans with application dates on or after August 28, 2023.

As previously reported, in May 2022 the Federal Housing Finance Agency announced that for residential mortgage loans to be sold to Fannie Mae or Freddie Mac with application dates on or after March 1, 2023, the lender must present a SCIF to collect information on the applicant’s language preference.

Revisions to the Single Family Housing Guaranteed Loan Program (SFHGLP) technical Handbook-1-3555, Chapter 5, Origination and Underwriting Overview; Chapter 13, Special Property Types; Chapter 15, Submitting the Application Package; and Appendix 4, Agency Contact Information. These changes became effective upon the recent issuance of a Procedure Notice (PN).

And there is some training which revolves around government loan programs.

This August, The Single-Family Housing Guaranteed Loan Program (SFHGLP) is offering two Live and In-Person, training conferences at no cost to lending partners in St. Louis, MO. Loan Origination Training, August 15th and Loan Servicing Training, August 16th. Register for one or both, seating is limited. Training conferences will be offered in Lewisville, TX., September 12th and 13th

The FHA’s Office of Lender Activities and Program Compliance will conduct a series of free webinars on the FHA Lender Approval Application process as outlined in FHA’s Single Family Housing Policy Handbook 4000.1. This training series is designed to assist entities interested in becoming FHA-approved mortgagees (lenders). The three webinars will conclude with a live question and answer (Q&A) session. Session 2 – Non-Supervised Applicants on July 11, 2:00 PM – 3:30 PM (Eastern). This webinar will provide a detailed overview of the FHA Lender Approval Application process, the eligibility requirements, and required documentation for supervised and government mortgagees. Common application deficiencies will be addressed and tips for submitting a successful application will be provided.

FHA is conducting Application Workshop Series, free virtual webinars, designed for entities interested in becoming FHA-approved mortgagees (lenders). The webinars will conclude with a live question and answer (Q&A) session.

Session 1, Financial Requirements for FHA Approval was recorded on April 13, 2023.

Session 2 – Non-Supervised Applicants webinar on July 11, 2023 │2:00 PM – 3:30 PM (Eastern) will provide a detailed overview of the FHA Lender Approval Application process, the eligibility requirements, and required documentation for non-supervised mortgagees. Common application deficiencies will be addressed and tips for submitting a successful application will be provided.

Free, In-Person FHA Underwriting Training in Minneapolis, MN., July 11, 9:00 AM – 5:00 PM (Central). FHA representatives will provide an overview of FHA underwriting procedures and address a number of industry-related frequently asked questions (FAQs).

Free, In-Person FHA Appraisal Training in Minneapolis, MN., July 12, 9:00 AM – 5:00 PM (Central). FHA representatives will cover FHA appraisal requirements, including appraisal protocol and updates to appraisal policy and an in-depth look at a variety of appraisal-related topics including property acceptability criteria; minimum property requirements; property defects; appraiser responsibilities and requirements.

Join the leading minds in reverse mortgages at NRMLA’s Southern Regional Meeting, on July 13, in Austin, TX. Join other business owners, underwriters, compliance staff, attorneys, counselors, servicers, processors, and loan originators to be part of these discussions. Gain a competitive edge in the industry by learning from our expert speakers, who will share insights on the latest trends and developments in reverse mortgages. From market analysis to loan servicing best practices, this conference covers it all. Plus, network with fellow professionals, share experiences and discuss strategies for success. With a wide range of informative sessions, this conference is sure to provide value for all attendees.

Servicing is a critical, yet misunderstood, part of the reverse mortgage process. Even the most experienced reverse mortgage professionals who have years of experience originating reverse mortgages will sometimes find themselves misinformed. At NRMLA’s Southern Regional Meeting on July 13, 9:00 am – 5:00 pm, in Austin, TX, three of the top servicing experts in the business — Gail Balettie and Rex Lamb from Celink and Richard Burke from Longbridge Financial LLC — will provide pro tips on the most commonly asked questions that loan officers have.

Capital Markets

The second quarter rounded out with a “risk-on” feel that put Treasury and MBS prices down, and rates up, as month and quarter end indexing offset the beginning of the summer Friday lull. Don’t fight the Fed: Markets finally are coming to terms with Fed Chair Powell’s persistent statements about rates being higher for longer. Broader fixed income markets sold off and 10-year U.S. Treasury yields broke north of 3.80 percent in Friday’s session. Fed Chair Powell commented that a good part of the reason the Fed can continue to raise rates is due to the strong labor market. “Though policy is restrictive, it may not be restrictive enough, and it hasn’t been restrictive for very long,” he said last week. For most of 2022, the fed funds rate was below the inflation rate, which means that real interest rates were negative and thus stimulating to the economy.

Economic data released over the last week remained stronger than anticipated, certainly stronger than the “experts” who have been forecasting a downturn predicted. Durable goods orders for May rose 1.7 percent versus forecasts for a decline of 0.9 percent. Core orders rose 0.7 percent. Meanwhile, house prices appear to have bottomed out as limited supply pushed prices higher in April and new home sales were significantly higher in May than expected. Consumers also continue to spend as inflation-adjusted personal consumption rose at a 4.2 percent annualized rate in the first quarter, according to the final Q1 GDP release. Jobless claims data retreated from a recent, but brief upswing, and remains well below levels that would indicate a recession is looming. The strong data pushed rates higher over the week and expectations for an increase to the Fed Funds target in July are now at 87 percent. Fed speakers have commented recently that two more hikes may be on the table this year and the market is pricing in the timing for the second towards the end of the year.

We begin the abbreviated trading week, and today’s early close, with final S&P Global manufacturing PMI for June, May construction spending, and June ISM manufacturing PMI for June, all due out later this morning. Fixed income futures will settle at 1:00pm ET with SIFMA recommending a 2:00pm ET close for cash ahead of the Independence Day holiday. Not that anyone cares about locking in a loan today, but Agency MBS prices are unchanged from Friday’s close, the 10-year yielding 3.85 after closing last week at 3.86 percent, and the 2-year is up to 4.95 percent!

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Source: mortgagenewsdaily.com

Apache is functioning normally

From its picturesque great outdoors to the good quality of life, Virginia is an ever-popular East Coast state to live in. While cities like Arlington in the Washington, D.C., metro area are infamous for the high cost of living, many renters are taking notice of Richmond.

Located in the eastern part of the state along the James River, Richmond played a key role in early American history. As such, locals are constantly surrounded by reminders of that history, from charming older buildings to historic sites. While history is important, Richmond is very much a bustling, modern city, as well.

As the state capital, politics, law and finances are major industries in the local economy. It’s also a well-regarded city for business thanks to the presence of multiple large corporations and Fortune 500 companies. From a booming craft beer scene and fantastic dining to ample outdoor recreation opportunities along the James River, Richmond appeals to a wide range of renters.

With an overall cost of living 2.9 percent lower than the national average, it’s also one of the more affordable big cities to call home in Virginia. Let’s take a closer look at how the cost of living in Richmond breaks down from housing to healthcare.

Richmond housing prices

With housing costs in Richmond being 10.8 percent below the national average, it sits at roughly the midway point for housing prices around Virginia. Renters can find more affordable cities like Roanoke, where housing is 16 percent below the national average. But, housing costs in cities in the Washington, D.C., metro area soar high above the national average. Housing prices in Arlington are 120.9 percent above the national average. This makes Richmond a good middle point.

Housing costs in Richmond have only gone down by 0.1 percent over the past year, so there’s been little significant change in housing prices since the previous year. The price of renting a one-bedroom apartment has gone up 10 percent from last year to $1,484. Two-bedroom units have only gone up 7 percent to $1,745. Renters also have a wide variety of cool neighborhoods to choose from.

If you want to buy a house in Richmond, the housing market has gone up 17.6 percent over the past year. Potential homeowners here can expect a median sales price of $345,000. Compared to the national median sale price of $406,074, it’s a good housing market to keep an eye on.

Food prices

Blending both Southern and New England culinary influences and ingredients, Virginia is a fascinating state from a foodie perspective. You can find great Southern-style dishes like country ham and barbecue, as well as terrifically fresh and delicious seafood. The state is also known for its agricultural output of tomatoes, apples and peanuts. Thanks to being located between the mountains and the ocean, Richmond’s food scene has access to the best of both worlds, getting farm-fresh produce and seafood for its markets and restaurants. Richmond has even been hailed for its under-appreciated food scene and craft breweries.

Food costs in Richmond are 4.7 percent below the national average, which has gone up 3.8 percent from the previous year. To give those numbers some context, here’s what you can expect to pay for some basic food items when you go grocery shopping in Richmond. Buying a dozen eggs costs $1.24, a half-gallon of milk is $2.06 and a pound of ground beef is $5.29.

Food prices here are definitely more affordable than shopping for groceries in Arlington, where a half-gallon of milk is $3.14 and a dozen eggs cost $2.53.

Utility prices

Living in Richmond, you’ll get to experience all four seasons. Summers are hot and humid, and while winters aren’t as frigid as elsewhere in the region, it still gets pretty cold. Snow is also a common occurrence during the winter months.

This means you’ll need to use either heating or air conditioning throughout the year to cope with the elements. As such, utilities are one of the few cost-of-living areas in Richmond that are above the national average.

The cost of utilities here is 4.5 percent above the national average and has gone up 1 percent over the past year. Although your energy bill may vary throughout the year depending on the weather, the average monthly energy bill is $198.52. This is on the high side for Virginia. In Arlington, you’d pay around $172.21. But, it’s also not the most expensive either. Monthly energy bills in Lynchburg come out to around $217.20.

Transportation prices

With its compact, historic city center and riverfront parks, Richmond is a decent city to explore without the aid of a car. The city boasts a walk score of 57 and a bike score of 55. While certain districts are easy to navigate on foot or bike, you still may need a car or use mass transit to access the entire city.

Transportation costs in Richmond have gone up 4 percent over the past year, currently sitting 2.2 percent below the national average. Using a car around Richmond, you’ll need to know of the city’s toll roads. These include the Downtown Richmond Expressway, the Boulevard Bridge and the nearby Powhite Parkway on the outskirts of the city. There’s also the Pocahontas Parkway, as well. Toll rates vary depending on route and distance and you can pay with an E-ZPass or online.

If you don’t have a car, you can use the Greater Richmond Transit Company (GRTC) which offers bus service around the city and surrounding counties of Chesterfield and Henrico. Riders have 37 different routes to choose from. Until further notice, GRTC is a zero-fare service, offering completely free rides.

In addition to the city and county-wide routes, riders can also use the GRTC Pulse, a rapid transit system offering fast and frequent service in the city center.

Healthcare prices

Virginia is consistently ranked among the top states for healthcare. Even if healthcare prices here are above the national average, you can expect to receive top-tier care. In Richmond, average healthcare costs are 3.2 percent above the national average and have gone down 1.7 percent from last year.

It’s important to note that average healthcare costs are very subjective since everyone has different healthcare needs. So, prices are higher or lower for some people. Still, it’s a good idea to have a rough idea of what healthcare prices are like in a particular city.

In Richmond, going to the doctor’s office costs around $149.27. A dental check-up will set you back $103.42 and a visit to the optometrist is around $116.90. Over-the-counter meds like ibuprofen cost roughly $10. Without the aid of insurance, prescribed medications cost around $455.59.

Similar to other costs of living categories, healthcare costs in Richmond are pretty middle-of-the-road. In Arlington, a doctor’s visit costs $162.50. But, in Roanoake, it will only set you back $106.50.

Goods and services prices

Along with housing, food and utilities, miscellaneous goods and services are an important part of every monthly budget. It covers necessary services or items you get on a semi-regular basis, like haircuts or going to the dry cleaners. But, it also covers the fun, out-on-the-town activities like going to the movies or getting pizza.

In Richmond, the cost of assorted goods and services is 2.6 percent above the national average. This has only gone up 0.3 percent from last year.

If you need to get your haircut, the average cost is around $23.57. A trip to the dry cleaners will set you back roughly $14.21. Want to go to the movies? Expect to pay around $11.84 for tickets.

Once again, the costs of miscellaneous goods and services in Richmond hit a middle point with other cities. Movie tickets in Roanoake would be around $10.49 and $15.73 in Arlington.

Taxes in Richmond

Virginia’s state sales tax rate is 5.3 percent, but most cities around the state add their own sales tax on top of the statewide rate. In Richmond, the sales tax rate is 6 percent. For every $1,000 you spend in Richmond, you’ll spend an additional $60 on top of that in sales tax.

This is slightly more expensive than most other places around the state. The sales tax in most locations around Virginia is 5.3 percent.

How much do I need to earn to live in Richmond?

With its charming neighborhoods and reasonable cost of living, Richmond sounds like a great place to live right now. But, how much do you actually need to make to comfortably live here?

Typically, your biggest monthly expense is your housing costs, like rent. Experts recommend that you only spend 30 percent of your monthly income on rent. That way, you have plenty left over for other essentials like food, utilities, savings and more. Since the average rent for a one-bedroom apartment in Richmond is $1,475, you’d need to make about $4,900. That comes out to $58,800 annually.

Richmond has a median household income of $51,421. With that in mind, some renters may need to look for options in more budget-friendly neighborhoods or exceed the 30 percent rule.

To see what you can afford to pay in rent, plug some numbers into our rent calculator to make some quick and handy calculations.

Free things to do in Richmond

Even though Richmond boasts an overall reasonable cost of living, it never hurts to take advantage of the free things to do around town. After all, enjoying your city and everything it has to offer shouldn’t always come with the expectation of spending money.

Richmond has a rich and vibrant past that you can learn about for free at historic sites like the Richmond National Battlefield Park or the St. John’s Church. Plenty of museums also offer free admissions, like the Richmond Railway Museum and the Virginia Randolph Museum. Art lovers can also check out the Institute of Contemporary Art to view its eclectic collection or explore free art galleries like Artspace.

Spending time outdoors in nature is a big part of life here. In parks like the Dutch Gap Conservation Area, Larus Park and Robious Landing Park, you can enjoy hiking, water sports and other outdoor recreation activities.

Living in Richmond

Richmond shows that you live in a nice, mid-sized city in Virginia without it breaking the bank. While their reasonable cost of living is a major incentivize to live here, the diverse cultural offerings, great dining and outdoor access come together to make a well-rounded place to call home.

The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of October 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

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Orlando is known for ideal weather year-round, great nightlife and, of course, theme parks, including Disney World and Universal. While these highlights rightfully make Orlando one of the United States’ top tourist destinations, there are a number of other attractions that make Orlando an entirely unique city with something to offer everyone.

Enjoy this selection of Orlando hidden gems and hit the town with a plan in mind to find those top-tier spots that have flown under the radar, until now, that is.

Source: facebook.com/susuruorl

Under-the-radar restaurants in Orlando

While not primarily known as a food town, Orlando is bursting at the seams with culinary innovation and low-key spots for delicious bites.

SUSURU

Topping that list of underrated restaurants in Orlando is SUSURU. This Lake Buena Vista area Japanese restaurant is brimming with nostalgic decor and famous for its unique cocktails and unparalleled ramen.

TORI TORI

TORI TORI is a Japanese pub in the North Quarter area that fuses modern and traditional elements of Japanese culture and cuisine. Known all around Orlando for its crab fried rice and Yakitori chicken skewers, TORI TORI should be at the top of your list on your next visit to Orlando.

Hunger Street Tacos

Hunger Street Tacos is a hip Winter Park hangout with mural-adorned walls featuring culturally relevant messages and entirely unique artistry. Pair that with some of the most authentic tacos in the Winter Park area, and you’ve got yourself a winning combination.

Maxine’s on Shine

If you’re in the mood for something with a truly local Orlando vibe, check out Maxine’s on Shine. Whether you’re looking for weekend brunch, live local music or just a solid spot to kick back and enjoy some casual eats, make your way to Maxine’s on Shine and you won’t be disappointed.

Kai Asian Street Fare

Kai Asian Street Fare offers up some of the best Vietnamese, Thai and Korean flavors in Orlando. An unassuming but modern stop ideal for quick bites, Kai Asian Street Fare is best known for its wings, ramen and garlic noodles. Stop in and sample as much of the menu as you can. You won’t regret it.

The Ravenous Pig

The Ravenous Pig serves up modern American food in an elevated industrial setting with a beer garden out back. If you’re looking for charcuterie, steak frites and ice-cold beer brewed in-house in the Winter Park area, look no further than The Ravenous Pig.

Reyes Mezcaleria

Reyes Mezcaleria features soaring ceilings, modern decor and an outdoor patio that’s second to none. But you’re not just going for the ambiance, right? It’s all about the food and their happy hour deals and boozy brunch offerings will have you coming back for more.

The Hall on the Yard

The phrase “a little something for everyone” was made for Orlando’s Hall on the Yard. This large yet chic space features nine unique restaurants, five event spaces and three cocktail bars with some of the most skilled mixologists and bartenders in Central Florida. This dog-friendly locale is big on aesthetics and the perfect spot to watch a hot Orlando afternoon turn into a beautiful Florida evening.

Source: facebook.com/hansonsshoerepair

Four great bars in Orlando

When it’s time to unwind, these are a few of the best spots for craft cocktails, cold beer and cool vibes in Orlando.

Hanson’s Shoe Repair

Hanson’s Shoe Repair is a stylish speakeasy near Thornton Park. This hidden gem features a stunning patio area, perfect for enjoying an artisan cocktail, or two. Hanson’s Shoe Repair does require a password for entry. We’ll leave it up to you to figure out where to find it. Your efforts will be worth it though as Hanson’s boasts one of the best atmospheres in the city to enjoy a drink.

The Woods

The Woods is a craft cocktail and whiskey bar located in the heart of Downtown Orlando. Known around town for its artisanal drinks, large craft beer selection and inviting ambiance. The Woods also hosts cocktail classes on occasion to help locals up their mixology skills and impress their friends.

Wally’s Bar and Liquors

Wally’s Bar and Liquors has been in the Colonialtown North area since the mid-1950s and Orlando locals have been flocking in for stiff drinks and great tunes in steady streams since then. If you’re looking for a casual dive with great prices and better people, Wally’s is your place.

Mathers Social Gathering

Mathers Social Gathering offers up vintage cocktails made with top-shelf boutique spirits in an upscale but not stuffy setting. The expansive interior features a picturesque bar, rustic brick walls and classic leather couches.

Be sure to check out their social media before you go though, this bar does have a dress code.

Source: facebook.com/craftandcommon

The best independent coffee shops in Orlando

Few things in life are more important than staying properly caffeinated. Looking for a place to find your next pick-me-up? Look no further than these four locally-owned Orlando coffee shops.

Craft & Common

Natural light, lush greenery and some seriously talented baristas, what more could you want in a coffee shop? Craft & Common is located in Orlando’s Central Business District and it delivers on all three of those desirables listed above. Stop in for a specialty coffee creation, a quick bite or settle in for the afternoon and stay a while.

Cups and Pups Coffee

Dog owners need coffee, too. No one believes that more than the owners of Cups and Pups Coffee, a dog-friendly coffee shop in College Park. While they do have a brick-and-mortar, the Cups and Pups team specializes in mobile-catered events and cold brew delivery. Whether you need a pick-me-up on your morning walk with the hound or are looking to caffeinate a crowd at your next event, Cups and Pups should sit at the top of your list.

Qreate Coffee + Studio

Creative types and coffee just go together like peanut butter and jelly. Qreate Coffee + Studio aims to be the first place creatives think of when they need that extra cup of go-juice to make it through the day. Qreate is the perfect place to spend a day working remotely, meet up for a group project or just kick back with a good book and watch the people go by. Regardless, if you find yourself at Qreate Coffee + Studio, you’re in for a good day.

Stardust Video and Coffee

Coffee, tea and DVDs! What more do you need? Stardust Video and Coffee is the Orlando area’s premier hipster hangout and it offers visitors much more than the three things listed above. Stardust serves up delicious food on a daily basis, boasts an enticing outdoor sitting area and features live shows weekly. If you’re looking for a cool place with an eclectic and exciting vibe, Stardust is your spot.

Source: facebook.com/LiveAtTheSocial

Live entertainment in Orlando

Orlando may be known for its theme parks, but when it comes to seeking out live entertainment, there are plenty of options that go beyond the Universal brand.

The Social

The Social is the perfect indie club to catch some live music in Orlando. Wood floors, brick walls and a great stage, what more could you ask for? Stop by for a show and enjoy the welcoming atmosphere anchored by an incredible staff.

SAK Comedy Lab

SAK Comedy Lab is a small improv comedy theater that features everything funny from child-friendly to adult shows. The talented group of performers on stage at this 250-seat theater make for the perfect pitstop for any comedy lovers visiting or living in Orlando. If you’re looking to try out improv in the Orlando area, they also offer classes, just saying!

Will’s Pub

A longtime local favorite, Will’s Pub has pool tables, a great beer selection and live performances seven days a week. This place may not have all the frills you’d find out around Lake Nona but it’s unmatched when it comes to charm, character and an ever-rotating selection of stage talent. Stop by and enjoy the classic beer decor while some of Orlando’s top artists showcase their skills.

Grumpy’s Underground

Grumpy’s Underground may be small but it’s also mighty. Featuring live performances of all types from acoustic nights to dueling DJs to open mic comedy to karaoke and more, Grumpy’s Underground is the place to go when you’re looking to live it up in Orlando with your friends.

Source: facebook.com/pages/OrlandoUrbanTrail

Outdoor activities around Orlando

You didn’t come to Orlando to stay inside, right?

Orlando Urban Trail

The Orlando Urban Trail is a recreational path that spans a good portion of the city. Known as the spine of Orlando’s trail network, the Orlando Urban Trail runs from Lake Highland to Mead Garden and connects to multiple parks, lakes and even other trails along the way.

Leu Gardens

If you’re looking for a peaceful place to enjoy a beautiful day out near Rose Isle, look no further than Leu Gardens. Locals will tell you it’s easy to get lost in the Gardens for an entire afternoon, and they’re not wrong. With stunning displays of flowers and lush, diverse greenery, Leu Gardens is a must-see.

Get Up and Go Kayaking

There’s no better way to experience the Winter Park chain of lakes than from atop a clear kayak. Get Up and Go Kayaking provides tours through the clear lake waters around Winter Park and uses clear kayaks to allow paddlers the ability to see directly below themselves. Schedule your tour and experience all the natural beauty these stunning waters offer.

Fox Valley Farm and Hopyard

If you’re the type that thinks nothing pairs better with the great outdoors than a cold beer, Fox Valley Farm and Hopyard is the place for you. Located about thirty minutes outside of Orlando in neighboring Apopka, this family farm hosts events and sells the fruits of their land alongside homemade goods. Check out their 14,000+-square-foot hopyard today.

Orlando is calling

It doesn’t matter if you’re a longtime Orlando local or visiting for the first time, with an emerging small business scene and places like the ones listed above lifting the city up, the future is looking bright for Orlando. Now is a great time to make yourself a part of that future.

Source: rent.com

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With its location along the Chesapeake Bay and Atlantic Ocean, Virginia has a plethora of stunning beaches and coastal towns. With magnificent waves and sandy coves, boating and fishing, these idyllic Virginia beach towns are some of the best you’ll find. Whether you’re looking to move to Virginia or want to relocate to a quaint coastal city, there are plenty of options to check out in the state.

But if you’re not sure where to start on your hunt for the best Virginia beach town, we’re here to help. From Norfolk to Virginia Beach, Redfin has put together a list of 10 amazing Virginia coastal towns. Let’s explore some of the state’s top beaches, listed in alphabetical order, and you might just be tempted to move there.

#1: Cape Charles

Median home price: $437,000 
Cape Charles, VA homes for sale
Cape Charles, VA apartments for rent

Kicking off our list is Cape Charles, home to beaches like Cape Charles Beachfront. There are only about 1,200 people who live in this coastal Virginia town, making it a quaint getaway. Living in Cape Charles, you can explore the Cape Charles Natural Area Preserve, check out the Cape Charles Historic District, and dine along the waterfront.

#2: Chincoteague

Median home price: $500,000 
Chincoteague, VA homes for sale
Chincoteague, VA apartments for rent

Another one of Virginia’s great beach towns to consider buying a home in is Chincoteague, where there are 3,300 residents. There are plenty of beaches to visit like Assateague Beach, Bow Beach, and Chincoteague Beach. If you’re exploring the town make sure to stroll along the Island Nature Trail, tour the Captain Timothy House, and check out the local restaurants and cafes.

#3: Colonial Beach

Median home price: $340,000 
Colonial Beach, VA homes for sale
Colonial Beach, VA apartments for rent

About 3,900 residents live in Colonial Beach, located along the Potomac River. There are lots of beaches to explore on a sunny Virginia day like Colonial Beach and South Colonial Beach. If you find yourself moving to Colonial Beach, grab a meal or drink at one of the waterfront restaurants or breweries. 

#4: Hampton

Median home price: $256,000 
Hampton, VA homes for sale
Hampton, VA apartments for rent

Home to beautiful beaches like Buckroe Beach, Factory Point, Grandview Beach, Sea Point Beach, Lookout Beach, and Outlook Beach, there are countless places to spend a beach day in the city of Hampton. Just south of Newport News, there are about 137,700 residents in Hampton. Other than a beach day, you can visit Fort Monroe where you’ll find the Old Point Comfort Lighthouse, explore the Virginia Air and Space Center, and check out downtown Hampton.

#5: Newport News

Median home price: $259,500 
Average rent for a one-bedroom apartment: $1,190 
Newport News, VA homes for sale
Newport News, VA apartments for rent

The picturesque beach town of Newport News has about 184,600 residents, making it another great place to add to your list. You’ll find stunning beaches such as Huntington Beach and Riverside Beach. In Newport News, you can tour some of the museums like Mariners’ Museum and Park or Virginia Living Museum, explore the Newport News Park, and check out the shops, parks, and restaurants downtown.

#6: Norfolk

Median home price: $282,500 
Norfolk, VA homes for sale
Norfolk, VA apartments for rent

With just about 235,100 people living in Norfolk, it’s a great beach town to consider moving to. Some beaches you can visit include East Beach, Ocean View Beach, Sarah Constant Beach Park, Whitehurst Beach Park, and Willoughby Beach. Whether you check out one of the museums like Nauticus or the MacArthur Museum, see a show at Chrysler Hall, or explore the Virginia Zoo, there’s many activities to do and see in this beach town. 

#7: Onancock

Median home price: $276,000 
Onancock, VA homes for sale
Onancock, VA apartments for rent

With a population of close to 1,200, Onancock is a quaint and charming coastal town to live in. This town has lots of cozy spots to check out the water views. If you’re going to call Onacock home, plan time to explore the downtown area where you’ll find local restaurants, shops, and parks.

#8: Tangier Island

Median home price: $188,000 
Tangier Island, VA homes for sale
Tangier Island, VA apartments for rent

Accessible only by boat or airplane, Tangier Island is located in the middle of Chesapeake Bay. This island has beautiful beaches such as Tangier Island Beach, perfect for a picnic or enjoying the scenery. Once moving to Tangier Island, you’ll want to visit the Tangier History Museum or have some fresh seafood.

#9: Virginia Beach

Median home price: $370,000 
Virginia Beach, VA homes for sale
Virginia Beach, VA apartments for rent

Just about 457,700 people live in Virginia Beach where you’ll find beaches like Chesapeake Beach, Croatan Beach, First Landing Beach, North End Beaches, Sandbridge Beach, and Virginia Beach. Other attractions in Virginia Beach include exploring the Back Bay National Wildlife Refuge and False Cape State Park, stopping by the Virginia Beach Fishing Pier, and checking out the downtown Virginia Beach area.

#10: Wachapreague

Median home price: $220,000 
Wachapreague, VA homes for sale
Wachapreague, VA apartments for rent

The waterfront city of Wachapreague has a population of only about 250, but there are lots of beaches to enjoy a picnic at, like Wachapreague Seaside Park. You’ll also have plenty of activities to do during your free time, like exploring the charming downtown area.

Note, this list is not comprehensive of all the beach towns in Virginia. Median home sale price data from the Redfin Data Center during June 2023. Average rental data from Rent.com June 2023. Population data sourced from the United States Census Bureau.

Source: redfin.com

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From extravagant vessels offering round-the-clock butler service and culinary delights, to intimate boutique lines providing a serene ambiance and laid-back luxury, cruise ship options are diverse. Whether you prefer elegant attire or a casual approach, one thing is constant: exceptional levels of personalized service. The intuitive crew members can anticipate your every need, address you by name, and effortlessly prepare your preferred beverage. In this article, we’re exploring the most noteworthy cruise experiences.

1. Queen Mary 2

Photo Credit: Shutterstock.

The Queen Mary 2 is known for its iconic elegance and refined luxury. This legendary vessel is revered as the epitome of grandeur, and it was meticulously designed for the transatlantic crossings between New York and Southampton. From the moment you set foot on board, you will be enveloped in an atmosphere of sophistication, with black tie nights, ballroom dancing and exquisite dining. Prepare to be dazzled by the renowned White Star Service, which sets an unparalleled standard. If you’re inclined to go beyond relaxation into learning, the Queen Mary 2 offers a world of knowledge through captivating lectures delivered by artists, historians, sommeliers, and other experts.

2. Harmony of the Seas

Photo Credit: Shutterstock.

The Harmony of the Seas cruise ship offers an extraordinary adventure with its unmatched luxury, thrilling activities, and captivating entertainment. Indulge in exquisite dining, pamper yourself in luxurious spas, and engage in exciting experiences like water slides and rock climbing. Enjoy Broadway-style shows, vibrant nightclubs, and a glamorous casino. This remarkable ship promises an unforgettable journey, blending opulence, top-notch service, and limitless entertainment.

3. Disney Dream

Photo Credit: Shutterstock.

The Disney Dream cruise ship offers a magical experience for guests of all ages. With beloved Disney characters, Broadway-style shows, and a variety of themed dining options, there is something to delight everyone. Relax at luxurious spa facilities, enjoy thrilling water slides, and let children explore exclusive play areas. Deck parties, fireworks, and vibrant nightclubs bring the ship to life at night. Immerse yourself in the enchantment of Disney and create lasting memories on this extraordinary cruise ship.

4. Norwegian Encore

Photo Credit: Shutterstock.

The Norwegian Encore cruise ship offers a remarkable vacation experience with its array of activities, dining options, and entertainment. From thrilling water slides to serene spa retreats, there’s something for everyone. Enjoy gourmet dining, Broadway-caliber shows, and live music performances. Families can delight in dedicated spaces for children and teenagers. Indulge in relaxation at luxurious spa facilities or bask by the pool. With exceptional service and stylish accommodations, the Norwegian Encore promises an unforgettable cruise adventure for all.

5. Royal Caribbean Spectrum

Photo Credit: Shutterstock.

The Royal Caribbean Spectrum cruise ship offers a remarkable voyage filled with luxury, entertainment, and diverse experiences. With thrilling activities like water slides and rock climbing, a wide range of dining options, and captivating entertainment including Broadway-style shows, there’s something for everyone. Families will enjoy dedicated spaces for children and teenagers, while those seeking relaxation can indulge in luxurious spa facilities. The Spectrum promises an unforgettable cruise experience with exceptional service and innovative features.

6. Seabourn Odyssey

Photo Credit: Shutterstock.

Seabourn Odyssey is a luxurious and elegant cruise ship known for its impeccable standards of accommodation and cuisine. With renowned dining options like The Grill by Thomas Keller and a romantic open-air dining venue at night, guests can indulge in exceptional culinary experiences. Seabourn Square serves as a convenient and inviting space for gathering, offering concierge services, a library, and delightful snacks. The ship’s sophisticated atmosphere caters to adults, providing a refined and upscale experience. While it’s not ideal for young children, Seabourn Odyssey’s attentive service and focus on luxury ensure a memorable and indulgent journey for travelers.

7. Sky Princess

Photo Credit: Shutterstock.

The Sky Princess cruise ship stands as one of the most luxurious vessels in the world, offering an unparalleled level of opulence and elegance. With its exceptional accommodations, top-tier amenities, and impeccable service, it creates a setting of ultimate luxury for its guests. From lavish staterooms to gourmet dining options, the ship exudes a sense of grandeur and sophistication. The Sky Princess features exquisite design and attention to detail, and it is truly a symbol of refined luxury in the world of cruising.

8. Silver Muse

Photo Credit: Shutterstock.

The Silver Muse cruise ship is the epitome of luxury and elegance. With personalized butler service, a variety of dining venues, and all-inclusive pricing, it provides a seamless and opulent journey. The ship’s stunning design features Italian marble, polished wood, and luxurious leather, creating an atmosphere of refined beauty. The teak pool deck, boasting one of the largest swimming pools at sea, offers a serene retreat. A standout feature is the intimate supper club, Silver Note, where live music sets the stage for an enchanting evening. The Silver Muse is bastion of exceptional luxury in the world of cruising.

9. Oasis of the Seas

Photo Credit: Shutterstock.

The Oasis of the Seas is renowned as one of the most luxurious cruise ships in the world. With its impressive size, lavish amenities, and exceptional service, it offers a truly extraordinary experience. From its breathtaking central park and vibrant Boardwalk to its diverse dining options and world-class entertainment, every aspect of the ship exudes opulence. Guests can indulge in a wide range of activities, relax in luxurious accommodations, and enjoy top-tier service throughout their voyage. The Oasis of the Seas sets a new standard for luxury cruising, providing an unforgettable journey filled with grandeur and sophistication.

10. The Royal Clipper

Photo Credit: Shutterstock.

The Royal Clipper is a stunning square-rigged ship, carrying just 227 adventurous sailors on unforgettable Caribbean voyages. With its three pools, sun-warmed teak decks, elegant restaurant, and alfresco bar, it offers the perfect blend of romance and modern comforts. This magnificent ship, propelled by billowing sails, exudes character with its Edwardian touches and polished brass accents. The four decks are accessed by stairs, so you can enjoy gentle exercise while you navigate this delightful cruise. The Royal Clipper provides a unique and enchanting sailing experience for those seeking adventure on the open seas.

The world of luxury cruise ships offers a wide range of experiences catering to different preferences and desires. From timeless elegance on Queen Mary 2 to thrilling activities and entertainment on Harmony of the Seas, each ship has its unique appeal. Whichever ship you choose, these luxurious cruise experiences promise unforgettable journeys with exquisite accommodations, fine dining, and world-class entertainment.

These are 10 Things That Completely Destroyed The Love in a Relationship

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There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!

10 Actors and Actresses People Refuse to Watch Ever Again

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We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!

Top 10 Worst Human Inventions of All Time

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Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.

10 Famous Celebrities Who Look Like They Smell Terrible

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We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

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Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.



About the Author



Dan Williams



Source: financequickfix.com

Apache is functioning normally

From extravagant vessels offering round-the-clock butler service and culinary delights, to intimate boutique lines providing a serene ambiance and laid-back luxury, cruise ship options are diverse. Whether you prefer elegant attire or a casual approach, one thing is constant: exceptional levels of personalized service. The intuitive crew members can anticipate your every need, address you by name, and effortlessly prepare your preferred beverage. In this article, we’re exploring the most noteworthy cruise experiences.

1. Queen Mary 2

Photo Credit: Shutterstock.

The Queen Mary 2 is known for its iconic elegance and refined luxury. This legendary vessel is revered as the epitome of grandeur, and it was meticulously designed for the transatlantic crossings between New York and Southampton. From the moment you set foot on board, you will be enveloped in an atmosphere of sophistication, with black tie nights, ballroom dancing and exquisite dining. Prepare to be dazzled by the renowned White Star Service, which sets an unparalleled standard. If you’re inclined to go beyond relaxation into learning, the Queen Mary 2 offers a world of knowledge through captivating lectures delivered by artists, historians, sommeliers, and other experts.

2. Harmony of the Seas

Photo Credit: Shutterstock.

The Harmony of the Seas cruise ship offers an extraordinary adventure with its unmatched luxury, thrilling activities, and captivating entertainment. Indulge in exquisite dining, pamper yourself in luxurious spas, and engage in exciting experiences like water slides and rock climbing. Enjoy Broadway-style shows, vibrant nightclubs, and a glamorous casino. This remarkable ship promises an unforgettable journey, blending opulence, top-notch service, and limitless entertainment.

3. Disney Dream

Photo Credit: Shutterstock.

The Disney Dream cruise ship offers a magical experience for guests of all ages. With beloved Disney characters, Broadway-style shows, and a variety of themed dining options, there is something to delight everyone. Relax at luxurious spa facilities, enjoy thrilling water slides, and let children explore exclusive play areas. Deck parties, fireworks, and vibrant nightclubs bring the ship to life at night. Immerse yourself in the enchantment of Disney and create lasting memories on this extraordinary cruise ship.

4. Norwegian Encore

Photo Credit: Shutterstock.

The Norwegian Encore cruise ship offers a remarkable vacation experience with its array of activities, dining options, and entertainment. From thrilling water slides to serene spa retreats, there’s something for everyone. Enjoy gourmet dining, Broadway-caliber shows, and live music performances. Families can delight in dedicated spaces for children and teenagers. Indulge in relaxation at luxurious spa facilities or bask by the pool. With exceptional service and stylish accommodations, the Norwegian Encore promises an unforgettable cruise adventure for all.

5. Royal Caribbean Spectrum

Photo Credit: Shutterstock.

The Royal Caribbean Spectrum cruise ship offers a remarkable voyage filled with luxury, entertainment, and diverse experiences. With thrilling activities like water slides and rock climbing, a wide range of dining options, and captivating entertainment including Broadway-style shows, there’s something for everyone. Families will enjoy dedicated spaces for children and teenagers, while those seeking relaxation can indulge in luxurious spa facilities. The Spectrum promises an unforgettable cruise experience with exceptional service and innovative features.

6. Seabourn Odyssey

Photo Credit: Shutterstock.

Seabourn Odyssey is a luxurious and elegant cruise ship known for its impeccable standards of accommodation and cuisine. With renowned dining options like The Grill by Thomas Keller and a romantic open-air dining venue at night, guests can indulge in exceptional culinary experiences. Seabourn Square serves as a convenient and inviting space for gathering, offering concierge services, a library, and delightful snacks. The ship’s sophisticated atmosphere caters to adults, providing a refined and upscale experience. While it’s not ideal for young children, Seabourn Odyssey’s attentive service and focus on luxury ensure a memorable and indulgent journey for travelers.

7. Sky Princess

Photo Credit: Shutterstock.

The Sky Princess cruise ship stands as one of the most luxurious vessels in the world, offering an unparalleled level of opulence and elegance. With its exceptional accommodations, top-tier amenities, and impeccable service, it creates a setting of ultimate luxury for its guests. From lavish staterooms to gourmet dining options, the ship exudes a sense of grandeur and sophistication. The Sky Princess features exquisite design and attention to detail, and it is truly a symbol of refined luxury in the world of cruising.

8. Silver Muse

Photo Credit: Shutterstock.

The Silver Muse cruise ship is the epitome of luxury and elegance. With personalized butler service, a variety of dining venues, and all-inclusive pricing, it provides a seamless and opulent journey. The ship’s stunning design features Italian marble, polished wood, and luxurious leather, creating an atmosphere of refined beauty. The teak pool deck, boasting one of the largest swimming pools at sea, offers a serene retreat. A standout feature is the intimate supper club, Silver Note, where live music sets the stage for an enchanting evening. The Silver Muse is bastion of exceptional luxury in the world of cruising.

9. Oasis of the Seas

Photo Credit: Shutterstock.

The Oasis of the Seas is renowned as one of the most luxurious cruise ships in the world. With its impressive size, lavish amenities, and exceptional service, it offers a truly extraordinary experience. From its breathtaking central park and vibrant Boardwalk to its diverse dining options and world-class entertainment, every aspect of the ship exudes opulence. Guests can indulge in a wide range of activities, relax in luxurious accommodations, and enjoy top-tier service throughout their voyage. The Oasis of the Seas sets a new standard for luxury cruising, providing an unforgettable journey filled with grandeur and sophistication.

10. The Royal Clipper

Photo Credit: Shutterstock.

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The world of luxury cruise ships offers a wide range of experiences catering to different preferences and desires. From timeless elegance on Queen Mary 2 to thrilling activities and entertainment on Harmony of the Seas, each ship has its unique appeal. Whichever ship you choose, these luxurious cruise experiences promise unforgettable journeys with exquisite accommodations, fine dining, and world-class entertainment.

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About the Author



Dan Williams



Source: financequickfix.com

Apache is functioning normally

Still in the dark about how to make money online? Side hustles are all the rage, but not everyone has tried one. You’re a beginner, and that can be the case at any age.

The internet has opened up a lot of ways to make side money, but so many options can be overwhelming. That’s why we say to do a little personal discovery first to decide what you like. Then dive in with a positive attitude and flexible mindset. Because the money is out there, but it isn’t guaranteed.

Here are four steps to get you started.

Step 1: Take inventory of your skills

The term “side hustle” assumes you already have a full-time obligation, like a job, school or family responsibilities. If you’re going to spend your precious few hours of free time on another form of work, you ought to do something you enjoy. Start with a personal assessment of your interests and emphasize the ones with online earning potential. Grab a piece of paper and jot down your answers to these questions:

  • What do I like to do the most? Consider the hobbies, interests and activities that bring you joy, but add a work slant because you probably won’t get paid to watch videos.

  • Of the interests listed, which ones do I do well? Narrow down your initial list to the areas where you have the most skill. Do you write well? Do you know the ins and outs of a certain category of collectible merchandise?

  • What kind of work would I be happy doing for hours on end? Make sure going all in on a potentially paying hobby won’t make you hate it.

Step 2: Focus on monetizable skills and ideas

Did you identify any skills with earning potential? You can probably answer this with common sense. You’re more likely to be paid to design a logo than make a meme.

Do you know how to code and do you like it? How about writing website copy, articles or marketing emails? You might have a future in freelancing, and that’s a side hustle tailor-made for making money online.

Maybe you listed vintage fashion as a top interest, and you know more than most about clothes. Do you like selling stuff and communicating with potential customers, too? Because reselling clothes is a way to monetize a hobby (and support a habit) from your laptop. If you have crafts or bespoke products to sell, you could open an Etsy shop online.

Once you match a passion, skill or idea with a monetizable opportunity, you can find the right online service or platform to facilitate your business.

Track all the money you make

See the ins and outs of your cash, cards, and bank accounts at a glance.

Step 3: Research the top places to make money online

There are plenty of online platforms that can connect you with customers, gigs and tasks. The hard part is narrowing the list down to the ones that are worth your time. We can help you focus on real ways to make money online (and offline, for that matter) and explore home business ideas. The work you did in the skills inventory step should help you quickly eliminate the noncontenders.

Be realistic about how much you can make

Once you pick a skill and a platform, you can give your online side hustle a try. How much money you’ll make (and when it comes) will vary.

Online freelance work may take time to gain traction, but you can pick a site like Upwork or Fiverr that connects you with paying clients and post your pitch today.

Places to sell stuff online typically have few barriers to entry, which is great for beginners. But make sure profit margins are worth your time. Selling a used book on eBay for $7.50 won’t amount to much side money when you factor in fees and shipping.

Using an online service to get task-based work can be a way for a beginner to make real money with less wait time. Depending on where you live, quick gigs like driving people or delivering packages and groceries can be in high demand. And signing up for gigs through a service like Uber or Instacart can connect you with customers and have you driving in no time.

Walking dogs is one of the highest paid side hustles by average hourly wage, according to an analysis from online tutoring platform Preply. Rover and Wag are two sites that match dog walkers with paying customers.

Other ways may require more patience

Some popular ways to make money online, like starting a blog, making YouTube videos or sharing influential advice on social media can require a lot of effort and time before you’ll see a dime. Don’t let us discourage you from your dreams of content creator stardom, but influencers typically need a sizable following to see big money.

Step 4: Evaluate and pivot

Flexibility is key when it comes to making money online. Give it a couple of weeks (or months) and evaluate your progress. If the dough is low, you might need to adjust your approach or switch to another platform. Maybe it’s time to pivot to a different monetizable hobby. Go back to your skills inventory and give something else a try. Enjoy the experience, and don’t quit your day job.

Source: nerdwallet.com