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Apache is functioning normally

Skin microflora isn’t the only thing that can grow on you. Films can too. The internet identified several undeniably great films they weren’t feeling the first watch. After a few more viewings, though, initially wary film fans recognized these movies’ excellence.

1. The Big Lebowski (1998)

Photo Credit: Polygram Filmed Entertainment.

Dude, how can you not love The Dude? To be fair, Jeff Bridges’ protagonist in The Big Lebowski is so ridiculous and so dedicated to the word “dude” that I understand how many would see the movie as too much.

Similarly, over-the-top characters like John Turturro’s Jesus Quintana and John Goodman’s Walters Sobchak may take multiple viewings to appreciate.

2. No Country for Old Men (2007)

Photo Credit: Miramax Films.

Movies from the Coen Brothers age like fine wine. According to some, No Country for Old Men was No Movie for For Them. 

The 2008 Best Picture Oscar Winner received heaps of praise and was one of the must-see movies of its era. Therefore, the relatively slow pacing and the unconventional ending surprised action-seeking filmgoers. Because, honestly, what else could they possibly complain about when it comes to No Country for Old Men?

3. Napoleon Dynamite (2004)

Photo Credit: Paramount Pictures.

“What are you going to do today, Napoleon?”

“Whatever I feel like I wanna do, gosh!” 

Between the unforgettable comedic dialogue, oddball characters (Kip, Uncle Rico, and the llama Tina stand out), and utterly virgin-esque mannerisms of Napoleon himself, Napoleon Dynamite became an unlikely smash comedy.

However, the low-budget comedy didn’t land the first time with many viewers who didn’t understand the hype. With maturation and multiple re-viewings, they came to appreciate Napoleon’s brilliance.

4. Office Space (1999)

Photo Credit: 20th Century Studios.

Mike Judge’s brand of comedy isn’t for everyone, and Office Space clearly targeted the cubicle-dwelling audience. A one-time critic said that Office Space seemed foreign the first time they watched it, but rewatching the movie after working an office job significantly elevated the film’s comedy.

5. The Godfather (1972)

Photo Credit: Paramount Pictures.

One confessional cinephile admits they were an uncultured, 16-year-old neanderthal when they thought The Godfather was slow and tedious. They grew up, changed their mind, and thus we can forgive their youthful ignorance.

6. Vertigo (1958)

Photo Credit: Paramount Pictures.

The acclaimed thriller from Alfred Hitchcock was not as “scary” as some viewers expected. Upon further review, converted fans of Vertigo came to appreciate the movie’s before-its-time cinematography and plot structure.

7. Whiplash (2014)

Photo Credit: Sony Pictures.

Truly one of the most shocking submissions on the internet’s list of films that did not immediately impress, Whiplash received near universal acclaim from audiences.

A one-time critic explained they missed a critical plot point at the movie’s end. The critic immediately became a Whiplash fan when they caught the subtle scene on second viewing.

8. The Life Aquatic with Steve Zissou (2004)

Photo Credit: Touchstone Pictures.

Writers Wes Anderson and Noah Baumbach are not for everyone, and The Life Aquatic With Steve Zissou is one of Anderson’s more ambitious films. The director’s brand of quirky, at times awkward comedy has a way of growing on viewers like that mole you’ve been meaning to have your dermatologist check out.

9. Step Brothers (2008)

Photo Credit: Columbia/TriStar.

Some viewers still don’t appreciate the artistry of two full-grown, established comedic actors playing infantile stepbrothers. While nobody claims Step Brothers to be a highbrow comedy, the absurdity of DIY bunkbeds and drum-set therapy becomes more comedic as the world grows increasingly serious.

10. Miami Vice (2006)

Photo Credit: Universal Pictures.

Viewers were absolutely pumped for a Miami Vice reboot starring box-office draws Colin Farrell and Jamie Foxx, directed by accomplished filmmaker Michael Mann. Many were expecting a South Beach-ified version of Heat yet encountered a more deliberate, artful movie.

With time, many have come to appreciate Mann’s rendition of Miami Vice as a quality film, though the initial disappointment still lingers in the film’s IMDb rating.

Source: Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock.

We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

Photo Credit: Shutterstock.

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author




Source: financequickfix.com

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Apache is functioning normally

From the daily walk of the Peabody Ducks to the annual Memphis in May World Championship Barbecue Cooking Contest, there are so many unique pieces that make up this Tennessee city.

Memphis is an affordable place to live for renters. The cost of living in Memphis is 13.1 percent lower than the national average, which makes the Home of the Blues more affordable, overall, than nearby cities like Nashville and Little Rock.

Given this lower cost of living, you’ll find plenty of great places to live in Memphis. But, the only way to know for sure is to break down your budget into pieces. Here’s how individual components, that make up the cost of living in Memphis, compare.

Housing costs in Memphis

Memphis housing is pretty reasonable all around. Rents aren’t too high, and housing prices are reasonable. Overall, housing prices in Memphis are 20.2 percent below the national average. This is on par with other Southern cities like Birmingham, though it’s slightly higher than places like Jackson, MS.

When it comes to rental prices, averages are reasonable whether they’re trending up or down. The average one-bedroom rent in Memphis is about $1,000 per month, down 4 percent from last year. For two-bedroom apartments, the average monthly rent is up by 4 percent but it’s still under $1,100 per month.

Home prices are down slightly over last year — the median sale price in Memphis is a reasonable $175,000. By comparison, the median sale price for a home in Nashville is about $465,000.

Finding the best apartment in Memphis

There are so many great Memphis neighborhoods to consider calling home that it may feel challenging to narrow things down. Price and location will play a big part, but it’s also the vibe of the community that can help solidify your choice.

The priciest spot for a one-bed is the up-and-coming arts district of Crosstown. Here the average monthly rent for just one bedroom is about $1,900. This area is a huge draw for young professionals, artists and musicians who join families who’ve called this neighborhood home for a long time.

Two other sought-after neighborhoods that provide a great location while catering to a more artsy crowd are Mud Island and South Main. They feature one-bedroom apartments for an average monthly rent of around $1,500 and $1,200, respectively.

Food costs in Memphis

Almost as big as the music scene, the food in Memphis is second-to-none. Of course, we’re talking Memphis barbecue with its slightly sweet and tangy sauce slathered on a nice rack of ribs in restaurants like The Rendezvous and Central BBQ. There are other signature eats in Memphis (check out Gibson’s Donuts), but nothing stacks up the “Q.”

As good as all the restaurant eats are though, locals can’t eat out all the time. Since groceries run 8.9 percent below the national average though, it’s pretty affordable to eat at home. Even at a tiny increase over last year, most items on your shopping list should remain pretty affordable. For example, expect to pay $1.06 per pound for store-made fried chicken and $1.97 for a dozen eggs. If you need a good side, potatoes average $3.73 per pound, making it affordable to whip together some homemade potato salad.

Utility costs in Memphis

The seasons can get rough in Memphis thanks to muggy summers and wet and windy winters, but overall temperatures aren’t too extreme. It still gets hot and cold at the right times of the year, but you won’t see a lot of snow.

This helps make utility costs a little more affordable on the whole, and 12.2 percent below the national average. Memphis actually has one of the lowest average utility costs in the state, with an average monthly electric bill is $141.05. Nashville is one of the only Tennessee cities that comes in lower, and it’s only by $2.31.

Transportation costs in Memphis

Although not an entirely walkable or bike-friendly city overall, Memphis’ best parts are often extremely walkable. Places around downtown, including Beale Street, are better seen on foot anyway.

Public transportation is also available in Memphis, primarily by bus via MATA. Operating 34 different lines, the adult base fare is $1 per way, and you’re able to purchase a daily fast pass for just $2. For downtown and riverfront access, MATA runs three trolley lines at just $1 per way.

Though it is possible to live in Memphis without a car, many residents own one to make it easier to road trip as well as get to the outer suburbs.

When it comes to city parking, locals can pick between meters and garages. The parking garages around town can range greatly in price, from as little as $4 to upward of $25. Meters have an hourly cost of $1.50.

All combined, transportation costs in Memphis are 6.9 percent below the national average, an increase of 4.2 percent over last year.

Healthcare costs in Memphis

Budgeting for healthcare as a part of your cost of living in Memphis is challenging. Not only is everyone’s medical situation different, but things can change from month to month. Having insurance helps, but it’s also worthwhile to know what average costs are like without it.

In Memphis, healthcare costs are 9.4 percent below the national average. This is pretty close to normal when compared to other cities in Tennessee and pretty close to cities, like Birmingham, in neighboring states.

This average keeps doctor’s visits in a pretty reasonable range, assuming you don’t have insurance to pay the costs. Expect to pay an average of $99.72 per doctor’s visit, $78.60 to see the eye doctor and $105.40 for a trip to the dentist. When it comes to prescription medications, the average cost (without insurance) in Memphis is $465.99.

Goods and services costs in Memphis

Not all the pieces that make up the cost of living in Memphis are functional and necessary. You also have to put a little fun into the budget, and that’s where goods and services come in. They’re the thing you enjoy doing, you want to do, but if you ever needed to cut back, could do without.

Goods and services are what make a night out on Beale Street possible, among other fun activities. In Memphis, the overall cost of goods and services, lumped together, is 10.1 percent below the national average. That could mean more money in the budget for fun, as long as you don’t have too much.

How does this impact your favorite to-do’s? Well, in Memphis, a six-pack of beer averages out at $9.77, a movie ticket is $13.08, that pizza you’re craving is $10.73 and a haircut before that big night out is $18. Prices coincide with other cities in Tennessee, sometimes being a little bit more or a little bit less, but always relatively close.

Taxes in Memphis

The state sales tax in Tennessee is 7 percent, but each individual county and city can add on additional taxes. That said, you’ll pay 9.75 percent in sales tax in Memphis, the highest total rate in the state (and the most common.)

To think about this rate in dollar amounts, for every $1,000 you spend shopping for clothes, or buying furniture for your new apartment, $97.50 goes straight to taxes.

How much do I need to earn to live in Memphis

Even with a better understanding of the cost of living in Memphis, it’s hard to really know how much you need to earn to live in this fun city. A good place to start digging into your budget though is with rent.

Most experts agree you should spend about 30 percent of your annual income on rent, so to afford that average one-bedroom price of $1,000, you’d need a yearly salary of about $40,000.

Is this easy to find in Memphis? Well, given that the median household income is slightly higher at $41,864, your chances look good. To get the numbers exact though, check out our rent calculator.

Living in Memphis

Life in Memphis is not only affordable for many, but also fun. Memphis is a city full of things to do, with decent weather and a vibrant cultural scene. Its deep musical roots and delectable food are simply the icing on the cake for this great place. With so much to explore, deciding to live in Memphis is most likely going to be an easy decision.

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 November 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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Some movies suffer from being weird. For instance, look at 2001’s Freddy Got Fingered and 2003’s The Room; they’re strange and awful.

Other films, however, are weird but still manage to be watchable. One keen cinema fan has started a discussion asking for “movies that are weird in a good way.” These are some of the best movie recommendations the film community made.

1. Everything Everywhere All at Once (2022)

Photo Credit: A24.

Everything Everywhere All at Once is an absurdist comedy-drama about a Chinese-American immigrant who has to connect with parallel universe versions of herself to prevent the universe from being destroyed by a powerful being. It’s bizarre.

1. Everything Everywhere All at Once (2022)

Photo Credit: A24.

One moviegoer suggests it, and the responses are unanimously positive. Another says it’s the best weird thing they’ve ever seen, and another can’t recommend it enough but suggests watching it with an open mind.

2. Being John Malkovich (1999)

Photo Credit: Universal Studios.

A couple of posters give Being John Malkovich as their answer. It’s a surrealist fantasy comedy that stars Malkovich as a fictional version of himself. It follows a puppeteer who discovers a portal that leads into Malkovich’s mind, where much of the movie is set.

2. Being John Malkovich (1999)

Photo Credit: Universal Studios.

The responses to the suggestion are all positive. One film buff notes it’s so weird but so good; another says it’s excellent and messed up, which describes it nicely.

3. Big Fish (2003)

Photo Credit: Columbia Pictures.

Big Fish is a Tim Burton movie, automatically making it somewhat weird. It’s a fantasy comedy-drama based on Daniel Wallace’s 1988 novel. It’s about an exasperated son attempting to distinguish fact from fiction in his dying father’s life, which results in some peculiar scenes.

3. Big Fish (2003)

Photo Credit: Columbia Pictures.

A film lover includes it in a list of suggestions and says they like the mix of fantasy, reality, and exaggeration. Another poster comments on what a well-done movie it is.

4. Evil Dead II (1987)

Photo Credit: Renaissance Pictures.

Evil Dead II is a comedy horror serving as a remake and a sequel to 1981’s The Evil Dead (let’s call it a “requel”). It follows a young man, Ash Williams, to a remote cabin with his girlfriend. There, they unwittingly unleash demons that torment and possess them. It’s a bizarre, surreal, and satirical take on the comedy horror genre.

4. Evil Dead II (1987)

Photo Credit: Renaissance Pictures.

A critic describes it as funny and nasty, which has prompted several others to comment. Another cinephile says there are so many creative moments; another cites the scene in which Ash laughs hysterically, and the moose on the wall is laughing with him as a particularly brilliant but weird moment.

5. Galaxy Quest (1999)

Photo Credit: Paramount Pictures.

A film fanatic suggests Galaxy Quest fits the bill for this discussion. The sci-fi comedy follows the cast of a fictional cult television series, the eponymous Galaxy Quest, as they get inadvertently pulled into an interstellar war by extraterrestrial beings who believe their show is a real documentary.

5. Galaxy Quest (1999)

Photo Credit: Paramount Pictures.

It works as both a Star Trek spoof and a standalone comedy movie. Another suggests it’s “one of the best Star Trek movies,” which accurately conveys the bizarre nature of the film.

6. Buckaroo Banzai (1984)

Photo Credit: MGM Studios.

Buckaroo Banzai, also known as The Adventures of Buckaroo Banzai Across the 8th Dimension, was very unpopular when it was first released, mainly due to its sheer weirdness. Critics saw it as strange and unintelligible. It’s a sci-fi movie with an incredible cast about the efforts of the eponymous polymath to defeat aliens intent on taking over the world.

6. Buckaroo Banzai (1984)

Photo Credit: MGM Studios.

It’s far more appreciated now, as the commenters in this discussion suggest. One fan explains they sat in an empty theater watching it in 1984 and are happy to see it’s now getting the recognition it deserves. Another says they joined the discussion in the specific hope of seeing someone give it as an answer.

7. Under the Skin (2013)

Photo Credit: StudioCanal.

Another moviegoer votes for the sci-fi movie Under the Skin. It prompted another user to reply, saying it was “weird in a freaky way.” That’s an apt description, as it’s an unsettling movie with lots of weird imagery, but it’s undoubtedly excellent.

7. Under the Skin (2013)

Photo Credit: StudioCanal.

The movie follows a strange, otherworldly woman, played by Scarlett Johansson, as she preys on unsuspecting men in the unlikely location of Scotland.

8. They Live (1988)

Photo Credit: Alive Films.

Someone has put forward John Carpenter’s They Live as a wonderfully weird movie, which has prompted another user to ask if it fits the bill in terms of weirdness. The original poster affirms that it is a bizarre movie by saying “very.” They are correct.

8. They Live (1988)

Photo Credit: Alive Films.

It’s a sci-fi action horror about an unnamed drifter who, wearing unique sunglasses, discovers that the ruling classes are extraterrestrials who conceal their appearance and manipulate the masses to consume, breed, and conform through subliminal messages in mass media.

9. Fight Club (1999)

Photo Credit: 20th Century Fox.

Fight Club undoubtedly fits the criteria for this discussion, so it’s surprising to see only one person suggest it as an answer and even more surprising to see nobody elaborating on it. Regardless, it’s included in this list because it’s a perfect example of a weird movie that is also fantastic.

9. Fight Club (1999)

Photo Credit: 20th Century Fox.

It’s narrated by the lead character, an unnamed man who joins a “fight club” with a soap salesman who turns out to be his alter-ego. It’s incredibly odd, but there’s a reason it’s one of the most talked about movies of the 1990s.

10. Donnie Darko (2001)

Photo Credit: Newmarket Films.

Donnie Darko appears in a list of suggestions by one keen movie fan, which has prompted another user to agree, saying they love every movie in said list.

10. Donnie Darko (2001)

Photo Credit: Newmarket Films.

It’s a psychological sci-fi thriller about the eponymous emotionally unstable teenager. He avoids inevitable death in a bizarre accident through sleepwalking, then has visions of a giant humanoid rabbit who tells him the world will end in less than a month. It’s original, intelligent, and peculiar.

Source: Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock.

We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

Photo Credit: Shutterstock.

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author



Kevin Stewart



Source: financequickfix.com

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If you’re considering a move to Huntington Beach, California, it’s important to weigh the pros and cons before making a decision. Known for its iconic beaches, surfing culture, and laid-back lifestyle, Huntington Beach offers a unique living experience. Whether you’re looking to buy a home in Huntington Beach or rent an apartment, we will explore in this Redfin article ten key aspects to help you determine whether Huntington Beach is the right place for you.

1. Beautiful beaches and outdoor activities

Huntington Beach is famous for its stunning beaches, with miles of pristine coastline and excellent surf breaks. Whether you enjoy sunbathing, swimming, surfing, or simply taking a leisurely walk along the shore, the beach lifestyle is a major attraction in Huntington Beach. You can also engage in various outdoor activities like beach volleyball, biking along the boardwalk, or exploring the Bolsa Chica Ecological Reserve, a coastal wetland with abundant wildlife.

2. Active outdoor community 

With its year-round pleasant climate, Huntington Beach encourages an active and healthy lifestyle. The beach offers opportunities for jogging, yoga classes on the sand, and outdoor fitness activities. The city also has numerous parks, like Bauer Park and Seabridge Park, trails, and recreational facilities for sports enthusiasts, including golf courses, tennis courts, and skate parks.

3. Vibrant surfing and water sports culture

Huntington Beach is often referred to as Surf City USA due to its deep-rooted surfing heritage. The city hosts prestigious surfing events, such as the US Open of Surfing, attracting world-class surfers and enthusiasts from around the globe. If you’re a fan of water sports or want to learn how to surf, Huntington Beach provides an ideal environment for you to embrace the surf culture.

4. Frequent cultural events and festivals

Huntington Beach hosts a variety of cultural events and festivals throughout the year, adding vibrancy and entertainment for those in the city. From the annual California Wine Festival to the Surf City Nights weekly street fair, you have access to a diverse range of cultural experiences and celebrations. These events showcase local talent, art, music, and culinary delights, providing opportunities for you to engage in the local community and enjoy unique cultural offerings.

5. Diverse dining and entertainment options

Huntington Beach boasts a vibrant dining and entertainment scene, catering to a variety of tastes and preferences. From casual beachfront eateries to upscale dining establishments, the city offers a diverse range of culinary experiences. Additionally, Downtown Huntington Beach, also known as Main Street, is lined with shops, boutiques, restaurants, and bars, providing plenty of options for entertainment and nightlife.

6. High cost of living

One of the main drawbacks of living in Huntington Beach is the high cost of living. The desirable beachfront location and proximity to major cities contribute to elevated housing prices and overall expenses. Current homes in Orange County cost 51% more on average than the national average, making it challenging for some to find affordable housing options in desirable areas. For example, the median home sale price as of June was $1,020,000 versus a national average of around $408k, and rentals currently going for about $2,900 on average versus $1,393 nationally.  It’s important to carefully consider your budget and financial situation before committing to living in Huntington Beach.

7. Expect crowds of tourists during summer

As a popular beach destination, Huntington Beach experiences a significant influx of tourists during the summer months. While this brings economic benefits to the city, it can also result in crowded beaches, parking difficulties, and longer wait times at local establishments. If you prefer a more peaceful and less congested environment, the tourist season may be a factor to consider.

8. Limited public parking

Also, with its popularity as a beach destination, finding public parking in Huntington Beach can be a challenge, especially during peak seasons and weekends. The limited availability of parking spaces near popular beach areas and downtown can be difficult. Residents may need to plan accordingly or explore alternative transportation options to navigate the parking situation effectively.

9. Potential for coastal hazards

Living in a coastal city comes with the risk of coastal hazards such as flooding, erosion, and coastal storms. Although Huntington Beach has protective measures in place, such as seawalls and sand replenishment programs, it’s essential to be aware of the potential risks associated with living near the ocean and stay informed about emergency protocols.

10. Traffic congestion

Like many cities in Southern California, Huntington Beach experiences traffic congestion, particularly during peak commuting hours. The proximity to major highways and popular tourist attractions can contribute to increased traffic volume. It’s important to consider the potential commute times and traffic conditions when planning your daily activities.

Deciding whether Huntington Beach is a good place to live really boils down to your own personal preferences, lifestyle, and priorities.Does Huntington Beach align with what you are looking for as a place to live?

Source: redfin.com

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Are you a Gen Z or Millennial hoping to purchase your first home? If so, it may be a bit tougher than you realize. The current real estate market can make buying a property feel like an impossible task. With rising prices and stringent financial requirements, purchasing your first house may be more complicated than ever before. 

In this post, we’re going to dive into the complexities of home-buying for Millennials and Gen Z—talking about some of the common obstacles house-hunters face.

1. Building from Scratch

Photo Credit: Shutterstock.

One user posted, “The only way I can afford to have a home at this point is if I buy raw land, harvest and process the trees to build it myself.”

Another said, “In the UK, this is more expensive than buying a brick house.” 

“This is a dream for some people, but in the UK land is expensive, and we have to import/buy most of our wood because wood foraging* tree felling is illegal* without a licence because of course it is,” another commenter responded. 

“With a few exceptions, those kinds of rules and regulations are common sense solutions to stop something bad from happening again, because people will take the piss when they’re allowed to do whatever they want. There’s often unintended consequences or annoying red tape, but the goal is protecting people and the environment from arseholes,” another user added.

2. Monthly mortgages

One Redditor shared, “I can afford the month to month mortgage. I cannot however afford a down payment. EDIT :- Thanks for the advice in the replies guys, but I’m not American.” 

“My parents’ house’s mortgage is like half of rent in my area. I can afford that, and probably most of the utilities and such by myself. That being said, the price of the house has almost tripled in value since they bought it. I could probably swing the down payment by myself but would definitely make me uncomfortable. I honestly feel like I’ll have to get married just to get a house,” another user added. 

Another Redditor also shared some glimpse of his expertise, “This should be the top comment.

Here’s a detailed example:

Wife and I bought our home in 1998 when our first child was born. The house sold for $105k, and we put $10k down.

We hadn’t done anything major to the home when we cleaned it up in 2017 to secure a refinance to lower the interest rate and get cash to top off a remodel. Appraisal was $180k. That’s value growth fueled fully by the loss of so many independant home builders after the market crash.

Brought the kitchen and bathroom up to modern standards (stone countertops, new cabinets and fixtures), refinished the wood floors, added a door off the dining room and a large deck. The house appraised in 2021 for $290k. Two on our street sold for over $300k last year, one of them in rough shape.

Banks here are requiring 30% down for new buyers right now. For my oldest son that is two years out of college, he would have to provide a down payment that is nearly as much as we bought the house for 25 years ago.

For a 1000 sq-ft home. Let that sink in.

A lot of small construction company owners, the kind that would build small homes, went out of business or retired after the housing crash, and the industry hasn’t recovered. This has caused a greater impact for those needing starter homes, lower supply means higher prices. On top of that, renting homes is a good source of passive income, so an industry of corporations built specifically to make money off of them has grown like fungus on a rotted log in this nation.

Home values are ridiculous, down payments are ridiculous, and corporate cash offers are desirable for sellers, making the first housing purchase a nightmare for many.” 

3. Property Tax

Photo Credit: Shutterstock.

One user posted, “I’m affording the mortgage payments just fine, but the property tax is killing me.”

“My escrow just went up 120 a month due to property taxes. Shit is rough,” another user added.

A third commenter replied, “That’s what people don’t mention when they say you’re wasting money renting instead of what you could afford with a similar mortgage payment. Insurance is the other kicker. Escrow is the hidden cost of home ownership (as well as all the maintenance and repairs.)”

One Redditor also shared, “If you weren’t paying escrow, you’d still be paying that in taxes anyway. My mortgage broker tries to keep the escrow they collect nearly even with our taxes and insurance payments. They went heavy the first year and just paid me out the difference, but its been increased every year since. A landlord and homeowner still end up having to pay for the same things, mortgage (usually, but not always), taxes, insurance, and maintenance. The landlord is probably adding something for profit though because the renter is either looking for a short term deal, or doesn’t have the credit to make it through the mortgage application.”

4. COVID Housing Bubble

One Redditor shared, “In 2019 I could afford the mortgage but not the down payment. Now I can just barely afford the down payment, but list prices and loan rates have shot up so much that I can’t really afford the monthly payments anymore unless I go for an absolutely unlivable crapshack of a property (the sort that includes phrases like “bring your tools!” and “investment opportunity!” and “calling all contractors!” in the listing).”

Another user replied, “Honestly, I would not buy a home in this market. I’d wait for 3-5 years. COVID caused an insane housing bubble.”

“The thing that scares me is all the people who say this is a new paradigm shift and that prices will not come back down. It’s very very hard to build a house nowadays (I tried) and businesses and rich people are buying more and more of the existing inventory so the little guy owns nothing and has to rent forever at increasingly exorbitant rates,” one commenter added.

5. Injury claims

Photo Credit: Shutterstock.

One user jokingly shared, “What sort of injury scenario are we looking at to get into a million dollar payout range? Quadriplegic? Lost limbs?”

Another added, “No loss of limbs. Pretty bad foot break. A bunch of screws and plates. 3 surgeries. Non-stop physical therapy. And a great injury lawyer.”  

Another Redditor posted, “Wow, I had a similar thing in the UK, nearly 6 years into my claim and I’m looking at 30 to 60k. My solicitor warned me the UK had shit payouts compared to the USA.” One also added, “We got lucky it was Door Dash’s insurance that paid. Their max payouts are way higher than a regular person usually has.”

Source: Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock.

We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

Photo Credit: Shutterstock.

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author



Source: financequickfix.com

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Welcome to the ultimate guide for anyone considering a move to the lively city of Chicago. Moving to Chicago can be thrilling and overwhelming, but fear not – Redfin has you covered. Whether you’re drawn to the mesmerizing skyline, the deep-dish pizza, or the rich cultural scene, you should know some crucial things before calling the Windy City your new home. From navigating the diverse neighborhoods to understanding the unpredictable weather, we’ll equip you with valuable insights to ensure a smooth transition. So, whether you’re moving into your new studio apartment in Chicago or your new house in the city, buckle up and get ready to uncover the essential tips and tricks to make your move to Chicago an unforgettable experience.

1. The cost of living is high 

One of the most crucial things to know before moving to Chicago is the the high cost of living in Chicago. The expenses in Chicago can be steep. In fact, the cost of living is 19% higher than the national average. Housing costs in particular are 50% more than the national average and tend to be most expensive  in desirable neighborhoods like the Loop, River North, or Lincoln Park. Additionally, everyday expenses such as groceries, transportation, and healthcare are generally pricier in the city. When planning a budget for living in Chicago, it’s essential to consider these factors. Additionally, it’s worth noting that the farther you venture outside the city, the more affordable suburbs you’ll discover.

2. There is a great sense of community in the city

From vibrant neighborhood festivals and local initiatives to a rich tapestry of cultural diversity, the city fosters a welcoming atmosphere that creates lasting connections and a shared sense of belonging.

“What sets Chicago apart is its remarkable sense of community, where people come together, support one another, and create lasting connections,” says Jodie Baudek from Essence of Life Chicago, an integrative wellness company. “If you plan to make this city your home, research and find the neighborhood that resonates with your spirit. That’s where you’ll discover your tribe, your people, and the place where you’ll truly thrive.”

3. Chicago is a food lover’s paradise

The city is renowned for its deep-dish pizza, an iconic staple that has gained worldwide recognition. However, Chicago’s food offerings extend far beyond pizza, and it’s great to know before you move to there. From neighborhood hot dog stands to Michelin-starred restaurants, the city boasts a plethora of culinary delights that cater to every palate. With its rich cultural heritage, Chicago showcases an incredible variety of international cuisines, including Italian, Mexican, Chinese, Indian, and more. The city is also known for its bustling food markets, such as the famous Chicago French Market and the revitalized Chicago Riverwalk, where visitors can savor artisanal foods and local specialties. 

4. You’ll find many charming neighborhoods 

Chicago neighborhoods are brimming with charm and offer a unique blend of history, culture, and community. From the vibrant and artistic Avalon Park to the picturesque and diverse South Shore, these southern neighborhoods showcase architectural gems, local eateries, and vibrant street life, making them a must-visit for anyone seeking an authentic Chicago experience.

Abbey Brown, a local soap artisan shares, “Walking, biking, and an easy commute by bus or train are how we roll here in Chicago. Once here, make your way to find creative neighborhoods with architectural delights. Each area has specialty shops, unique flavors, and experiences that will draw you in perfectly, making Chicago your home base.”

If you’re in the Beverly neighborhood, start your south-side adventure at the 99th and Wood Street stations district. First stop, fill your belly with the succulent South Side Short Rib Grilled Cheese from Afro Joes’. Next, head straight to the award-winning Five-Star Cakewalk Chicago flagship store, where baking enthusiasts can find essential supplies for mixing up delicious traditions and classes from Chef Lori to elevate your skills. 

5. There are hidden gems throughout the city’s architecture

Chicago’s architecture is a stunning testament to the city’s rich history and innovative spirit. From the iconic skyscrapers of the Loop to the grandeur of Frank Lloyd Wright’s designs, Chicago’s architectural landscape is a breathtaking blend of classic elegance and bold modernity. 

“Chicago is known for its architecture, but less known is that many of the historic buildings have lobbies open to the public,” says Chicago Private Tours and Productions. “This includes the restored-to-1890s Monadnock Building and the Frank Lloyd Wright-designed atrium of the Rookery Building. Inside the Chicago Athletic Association Hotel lobby, you can easily imagine the wealthy elite drinking Scotch by the fireplaces while they divide the city.”

6. Sports are a huge part of Chicago life

If you’re a sports enthusiast, Chicago is for you. The city is home to several iconic franchises, including the Chicago Cubs and the Chicago White Sox in Major League Baseball, the Chicago Bears in the National Football League, the Chicago Bulls in the National Basketball Association, and the Chicago Blackhawks in the National Hockey League. Whether you’re a baseball, football, basketball, or hockey fan, there is a Chicago team to cheer on. The city’s sports culture is deeply ingrained, and attending a game at one of the historic venues, such as Wrigley Field or Soldier Field, is an experience unlike any other. 

7. Chicago is a hub for car enthusiasts

With its bustling auto scene and many automotive events, Chicago is a haven for car enthusiasts. From the annual Chicago Auto Show, showcasing the latest models and innovations, to the thriving car culture and regular meetups, the city offers an exciting haven for those passionate about all things automotive.

“For automotive enthusiasts, you’ll be pleased to know that Chicago offers a thriving car culture,” shares Matt Farnsworth from Vintage Ltd., a men’s motorsport apparel company. “You’ll find numerous car clubs, auto shows, and events throughout the year, including the renowned Chicago Auto Show held annually at McCormick Place. Additionally, this year’s NASCAR race will be held in downtown Chicago, providing an exciting opportunity for racing fans to experience the thrill of high-speed action in the city’s heart.”

8. You’ll find the city full of robust history and culture

Chicago’s rich history, from trading post to innovative industry hub, contributes to its robust and captivating legacy. Renowned architecture, world-class museums, thriving music and theater scenes—all contribute to the vibrant cultural legacy of the city.

The Firehouse Dream, a local space for BIPOC creatives, shares, “As a community-centered organization, the robust history and culture is important to know before moving to Chicago. As a diverse city, it provides various cultural experiences through food, art, and community-led projects that bring awareness to each neighborhood, like Humboldt Park, Bronzeville, Chinatown, and more. Consider how you can use food, music, and activities to learn more about all the beautiful culture here.”

9. The weather can be hard to adjust to

The weather in Chicago is famously unpredictable, with rapid changes that can occur within hours. Chicago’s weather demands preparedness year-round as residents and visitors face sudden temperature drops, snowstorms, heatwaves, and thunderstorms.

When you’re ready to beat the summer heat or take a break from the bitter cold, take a sweet retreat at Sat Nam Yoga. Located just 10 minutes west of the hustle and bustle of the lake and shopping district, this quiet oasis provides a perfect escape. Check out a yoga class or sound bath to take a rest at this popular Chicago healing sanctuary.

10. There are various housing options available

Chicago offers diverse housing options to suit different preferences and budgets. From high-rise apartments in the downtown area to charming brownstones in historic neighborhoods like Lincoln Park and Lake View, there are options for everyone in Chicago. Suburban areas surrounding the city provide spacious single-family homes and townhouses, ideal for families or those seeking a quieter lifestyle. Moreover, the city has witnessed a rise in contemporary and upscale apartment complexes, offering amenities like concierge services.

11. Plenty of efficient public transportation can be found

Chicago boasts a robust and efficient public transportation system that caters to the needs of its residents. The city’s trains, buses, and options for commuters create a reliable transportation network covering neighborhoods and suburbs conveniently. The iconic ‘L’ train system, operated by the Chicago Transit Authority (CTA), serves as the backbone of the city’s public transit, connecting downtown with various corners of the metropolis. Commuters can easily navigate the city using color-coded train lines, which provide quick and affordable transportation. Apart from the train system, an extensive bus network covers nearly all city areas, providing flexible options. The Metra rail system provides reliable service for those commuting from the suburbs, connecting downtown Chicago with the surrounding areas. 

12. There are plenty of parks and beautiful viewpoints

With stunning parks and captivating viewpoints, the Windy City provides residents and visitors a picturesque escape from urban bustle. The city is renowned for its expansive lakefront, boasting a series of interconnected parks along Lake Michigan. Millennium Park’s iconic Cloud Gate sculpture, known as “The Bean,” and Grant Park’s serene Buckingham Fountain offer endless opportunities. The Lincoln Park and Garfield Park Conservatories display breathtaking botanicals, while the Chicago Riverwalk offers a scenic pathway with gardens. With its abundance of green spaces, iconic landmarks, and breathtaking viewpoints, Chicago has a lot to offer.

Source: redfin.com

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Who’s the best villain you’ve watched in a movie or television series? After polling the internet, these are the top-ranked twenty-five villains of all time.

1. Ian McShane as Al Swearengen in Deadwood

One person suggested, “Al Swearengen from Deadwood, played by Ian McShane. It’s the story of a villain defending his village. He’s so good that the entire series pivoted to being about him.” “He’s a bad guy you’d want on your side, that’s for sure. My favorite TV character,” a second confessed.

2. Tony Dalton as Lalo Salamanca in Better Call Saul

“Lalo Salamanca in Better Call Saul. When he jumped down that cliff, I knew he was a maniac,” claimed one. A second said, “He was so well-written and a charming devil.”

3. Marc Alaimo as Gul Dukat in Star Trek: Deep Space Nine

One user noted, “Gul Dukat in Star Trek: Deep Space Nine. He goes from evil Hitler type to loving father on the run from his government to crazy possessed madman in a single series.”

4. Darth Vader in The Star Wars Franchise

“Darth Vader” shared one. A second admitted, “I’m shocked I needed to scroll so far for this. He was only in the original Star Wars for nine minutes and made a global impact.” A third agreed, “I’m astonished this isn’t the top comment. He’s one of the best-written villains, let alone a cultural icon.”

5. Hannibal Lector

“Hannibal Lector. Anthony Hopkins from the film franchise and Mads Mikkelsen from the series both did a fantastic job,” suggested one. “This was instantly my first thought. So unbelievably scary but equal parts intriguing, and the intelligence and likability of his character were so interesting,” a second added.

6. Andrew Scott as Moriarty In Sherlock Holmes

Someone shared, “Andrew Scott as Moriarty In Sherlock Holmes. I kept thinking, ‘I don’t like this actor,’ and then I saw him in other roles. Finally, it hits me that it’s not that I don’t like this guy. His specific acting as Moriarty is so good he is subconsciously bothering me in a way that no one had managed to do before!”

7. Walton Goggin as Boyd Crowder in Justified

“Boyd Crowder (played by Walton Goggins) in Justified,” shared one. “He’s not particularly strong in season one, but by season two, you want him to keep getting away to have more. That he’s Raylan’s frenemy and not just a generic evil guy was such a nice touch.”

8. Gary Oldman as Lord Shen in Kung Fu Panda 2

One person volunteered, “Lord Shen in Kung Fu Panda 2.” Another admitted, “I love the way they create characters in these movies. A literal bird was the villain; A BIRD.”

“He was somehow more terrifying and threatening than any other villain in the trilogy. Birds like him aren’t supposed to be so powerful, yet Dreamworks convinced me otherwise.” Finally, a third added, “That’s also the power of Gary Oldman.”

9. Vincent D’onofrio as Wilson Fisk/Kingpin in Daredevil and Hawkeye

“Vincent D’onofrio as Wilson Fisk/Kingpin in Daredevil and the Hawkeye Marvel series on Disney+,” shared one. Others noted he was also a fabulous villain in The Cell, Full Metal Jacket, and Men in Black. 

10. Grey DeLisle as Azula in Avatar: The Last Airbender Series

“AGREED. I was searching for that comment. The way she NEVER looked into a mirror until the episode she went crazy and all those other tiny little details… She was, is, and always will be the best villain in cinematic history,” expressed one.

11. Eartha Kitt as Yzma in The Emperor’s New Groove

“Eartha Kitt as Yzma in The Emperor’s New Groove is a remarkable and underrated Disney villain,” suggested one. After several people quoted the film, one stated, “That whole movie is just so quotable. Eartha Kitt killed it as Yzma.”

12. Leonardo DiCaprio as Calvin Candie in Django Unchained

“Leonardo DiCaprio in Django Unchained was on point,” one expressed. However, “Stephen (Samuel L. Jackson) was also pretty great, and if anything, was the real villain in that movie,” a second user argued.

13. Christopher McDonald as Shooter McGavin in Happy Gilmore

One person suggested, “Christopher McDonald as Shooter McGavin in Adam Sandler’s Happy Gilmore is easily one of the best villains of all time.” However, another argued, “I would go further and say the caretaker (Ben Stiller) at the old folks home was worse.”

14. Louise Fletcher as Nurse Ratched in One Flew Over the Cuckoo’s Nest

“Nurse Ratched in One Flew Over the Cuckoo’s Nest just because of how implicitly she tortured the inmates. She was such a good, evil actress, and I instantly hated her as Kai Wynn in Star Trek: Deep Space Nine, too,” one said. Another noted, “She apparently couldn’t watch the film for years because of her performance. Imagine playing a villain so well that it psychs you out.”

15. Javier Bardem as Anton Chigurh in No Country for Old Men

One person volunteered, “Javier Bardem, as Anton Chigurh in No Country for Old Men.” “Chigurh is terrific not only because he’s a terrifying psychopath, but he holds the delusion of being an agent of fate – then the car crash which nearly kills him happens in the end. Chigurh isn’t immune to fate. He’s just insane,” a second added.

16. Imelda Staunton as Dolores Umbridge in Harry Potter

“Dolores Umbridge,” one replied. “The thing with her is that she is such a REAL, COMMON character to everyday life. For example, you’re not going to encounter a Darth Vader or Lalo Salamanca, but chances are that you have already met someone like Umbridge. She is almost the perfect definition of a lawful evil character.”

17. Alan Rickman as Hans Gruber in Die Hard

“Hans Gruber. Alan Rickman portrays him so well,” one noted. “This needs to be higher! Rickman was also an incredible villain like The Sherriff of Nottingham in Robin Hood: Prince of Thieves, but Hans Gruber in Die Hard is the greatest villain of all time,” a second professed. 

18. Erik Lehnsherr/Magneto From the X-Men Comics and Films

“Magneto. There are times when you can sympathize with him, and his actions almost seem justified. The most likable villain,” said one. A second added, “How can you go wrong with Ian McKellen and Michael Fassbender? The combination did an outstanding job as Erik Lehnsherr/Magneto, undoubtedly one of the best younger and older acting combinations ever.”

19. Jack Gleeson as Joffrey Baratheon in Game of Thrones

“Joffrey Baratheon in Game of Thrones,” said one. “Let’s all be honest. Jack Gleeson did an outstanding job acting that we all hated him.” A second shared, “Joffrey, please put some respect on this tragically messed up character who made Jack Gleeson take an acting hiatus.”

20. David Tennant as Killgrave in Jessica Jones

One user admitted, “I found Killgrave in Jessica Jones to be a fantastic villain. David Tennant nailed the role! Which is strange after only seeing him play good characters like The Doctor.” A second stated, “Easily one of the best Marvel villains who doesn’t get enough attention.”

21. Giancarlo Esposito as Gus Fring in Breakign Bad

“Gus Fring helped me understand that Walt was genuinely evil. For example, when the villain is more honorable than the protagonist, there may be a problem with the protagonist (morally, not thematically),” one suggested. A second added, “I came here to say this, and more broadly, Giancarlo Esposito. He plays villains who are so nuanced and terrifying.”

22. Ellen McLain as GLaDOS From The Portal Video Game Series

Someone suggested, “Everything GLaDOS says is pure, sarcastic gold. She can pull all of it off so well. “A second confessed, “I’m playing Portal for the first time, and I’ve known how GLaDOS is pretty sarcastic, but I still got pleasantly surprised and just a little hurt by her dialogue. I wasn’t expecting the fat jokes.”

23. Antony Star as Homelander in The Boys

Someone volunteered, “Homelander from The Boys is one of them. Whenever I thought he couldn’t get any worse, he’d do something even more depraved. He is selfish and self-centered and gets away with it because he’s so powerful. Oh, and what makes him the most dangerous is that he’s pretty dumb.”

24. Matthew Goode as Ozymandias in Watchmen

One user quoted Ozymandias from Watchmen, “You don’t think I’d explain my plan if there were the slightest chance you could stop me, do you? I did it 35 minutes ago.” A second added, “This was a brilliant piece of meta-dialogue. They didn’t break the fourth wall entirely, but it was a great way to address what is often such a silly movie trope.”

25. Christoph Waltz as Hans Landa in Inglourious Basterds

“Christoph Waltz in Inglourious Basterds is the first that came to mind,” confessed one. “Hans Landa was terrifying in so many ways. This actor is insanely good,” replied another. 

What do you think? Did Reddit get this right, or is your favorite villain missing from this list?

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock.

We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

Photo Credit: Shutterstock.

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author



Source: financequickfix.com

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The goal of higher rates, in my view, is to cool down price growth and get more days on the market. A few key data lines can tell us if we are heading in that direction.

We are still seeing numbers in the teens for days on market, which isn’t good. We would like to get this back to 30 days, but anything in the 20s is a victory. Inventory falling again in 2022 created more forced bidding wars, which frustrates buyers, keeps potential sellers from wanting to list, and creates stress for real estate agents doing a lot of work with nothing to show for it. In addition, the Federal Reserve isn’t comfortable with home prices going up every year.

This is a first-world problem compared to a housing bubble, a credit boom, and a crash, but a problem nonetheless. Some data to consider:

1. In NAR‘s most recent existing-home sales report, as you can see below, the days on market is still at a teenager level. We need our housing market to go to college and find a room to rent in their 20s.

2. Inventory is still showing negative year-over-year data. Even this week, on tax day, it is still showing a decline. However, the year-over-year declines are getting less. We went from a 30% year-over-year decline at the end of 2021 to just a negative year-over-year decrease of 14.8%. I find this to be a very positive trend because the No. 1 goal for me is to see inventory have some positive prints, and we are at least heading in the right direction

From Altos Research:

Are higher rates working now?

So how can we tell if higher rates are doing their job and we can achieve the goals above? Purchase application data has always been an excellent way to understand how the markets work. It’s also a bit of a funky data line if you don’t have experience reading it.

Historically, this data line is instrumental in tracking the year-over-year data from the second week of January to the first week of May. Typically after May, volumes fall! COVID-19 has wrecked the comps for many economic data lines, so COVID-19 adjustments need to be made. Considering that, what do we know so far?

I would say that we are seeing legit softness so far in 2022, but nothing too dramatic. The last time this data line was fragile was back in 2013-2014. Mortgage rates shot over 4% quickly, and it created a negative year-over-year trend in 2013-2014. The 2014 data showed a 20% year-over-year decline trend and sales fell that year.

2014 was the very last year total housing inventory grew in America. It wasn’t a lot of inventory, but still, weakness in demand created more homes on the market. My ultimate goal for housing inventory is to get back into a range between 1.52 – 1.93 million. Historically, that is considered low inventory, but that is a much more sane marketplace than what we have currently.


2018 was the last time mortgage rates got to 5%, and sales trended from 5.72 million at the end of 2017 to 4.98 million in January of 2019. Inventory didn’t grow that year and purchase application data only had three negative prints year over year, and they were mild too.

That is a good reference to look at, so let’s move toward 2022 because it’s much different now. Sales are working from a higher level and price growth has been hotter, but inventory is much lower this year than any period in history, and demographics are solid in America.

Three points to focus on

1. Week-to-week data the last three weeks have had two positive prints and one negative — so that’s not much either way. Three weeks ago, we had a positive 1% print, two weeks ago a negative 3% print, and this week 1% growth. I am not a big fan of reading week-to-week data unless we are considering them within some short-term event like COVID-19 or spiking mortgage rates.

2. COVID-19 created very high comps in this data, so it’s been negative year over year since June of 2021. Unless you make COVID-19 adjustments, you’ll get confused with this data line. I believe many people did this last year because the data showed negative data for the second half of 2021, but if you made those adjustments, you could have seen that the data was getting better toward the end of the year.

Purchase application data showed meaningful increases from October to December, which was why existing home sales got to a high-level sales print of 6.5 million in January this year. I still believe that number had some December sales closed in January that made it look high.

3. Focus on the year-over-year data and remember that percent increases or decreases aren’t an exact science compared to sales. Look at this data line as a trend survey, and you need big moves to see a material change. If housing was doing great or crashing, we would need to see activities 20%-30% up or down. This can amount to just a couple of hundred thousand home sales for the existing home sales market up or down. 

If you’re looking for a significant macro trend change, positive or negative, single-digit gains or losses aren’t that meaningful in the enormous macro sense for the existing home sales market.

Here are some examples. When COVID-19 created a pause in home buying, the worst four-week year-over-year declines looked like this: -24%, -33%, -35%, -31%

When we saw make-up demand after the COVID-19 paused, the data looked like this: +33%, 27%, 22%, and 22%.

We want to forget the year-over-year comps in 2021 using the crazy 2020 data, so I won’t even bother showing you those data lines.

2022 Data

Now let’s take a look at 2022! What have we learned from this year’s purchase application data? As you can see below, the housing market from 2018 to 2022 doesn’t look like anything we saw from 2002 to 2005. 

If I didn’t know mortgage rates had passed 5%, I would be saying the same thing with the purchase application data all year long: not too much is happening, but some softness for sure. However, since mortgage rates got above 5%, I have been keen to see if the data has broken toward a more aggressive negative direction. So far, that hasn’t happened.

I believe I can stop using the make-up demand comps to compare the year-over-year data after mid-February. So with that adjustment, this is what I am seeing over the last four weeks, starting from 4 weeks ago: -12%, -10%, -9% and -6% year over year.

The year-over-year declines have been falling; some are due to more reasonable comps. This week -6% is the smallest year-over-year decline for the year. The four-week average is running at 9.25%.

2022 is shaping up to be the first legit year of negative year-over-year declines in purchase application data since 2014. The 2018 market, which had to deal with higher rates, was primarily positive every week except for three weeks. So, for sure, we have some softness in 2022 after making some proper adjustments, but the softness in the data is mild so far.

I had anticipated more substantial year-over-year decline numbers than this, and so far, nothing. I often mention on social media that higher rates need duration to work themselves in the housing data for the existing home sales marketplace. It can be quicker to see the results in the new home sales market because there isn’t a homeowner factor in that equation.

When we see a weakness in the housing data, it should create more days on the market. The real goal is to stop the downtrend in inventory over the past few years.

Again, I am a man who believes in balance and what we have in housing right now is savagely unhealthy. My 23% home-price growth model for 2020-2024 has already been smashed and we are heading for 35%-40% cumulative home-price growth in thee years, which is not a good thing in my book.

Purchase application data is seasonal, and total volumes typically fall after May. We will see if we get some more buyers with the seasonal rise in inventory every year. We saw this happen last year.

However, mortgage rates being at 3% is much different than mortgage rates at 5%. Hopefully, we can balance the housing market with these higher rates. In the summer of 2020, I wrote that a 10-year yield over 1.94% could cool down housing, but that was before the significant price-growth run we’ve seen in America.

However, we are here now, and hopefully, we don’t start 2023 at fresh new all-time lows because a balanced housing market is the best housing market.

Source: housingwire.com

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It’s the most wonderful time of the year all year in these 10 cities with Christmas town names.

What’s in a name, anyway? When it comes to naming a city or town, the name is usually related to the original founders. Sometimes, the origin of the town name has to do with the landscape, the natural resources or the animals, too.

We hopped on our sleigh to find different cities with Christmas town names. Which begs the question: Is Santa real if these 10 places across the country have festive names? If you want to feel the magic of the season year-round, consider checking out these ho-ho-holiday cities.

1. Santa Claus, IN

Known as “America’s Christmas Hometown,” this quaint rural town in southwestern Indiana evokes holiday charm year-round. Everything is Christmas-themed in Santa Claus — you’ve got the Santa Claus museum and village, Holiday World theme park and many different restaurants and shops to check out.

Originally called Santa Fe, the town changed its name to Santa Claus when Santa Fe was already taken. Nowadays, the town of 2,579 people fully embraces the festive theme 365 days a year.

2. Snowflake, AZ

Snow in Snowflake? Well, not really. But, this city does have a fun Christmas town name! The town of Snowflake is actually a great place for people to go if they are looking for a sunny retreat in the winter. You can still have all the Christmas feels in this town while enjoying mild weather.

The town of Snowflake is home to roughly 5,500 people and was named after two Mormon pioneers — Erastus Snow and William Jordan Flake — who settled the town in 1878.

3. North Pole, AK

Located in Alaska, the city of North Pole is a real place to live with a Christmas town name. The small city is home to 2,285 people who keep the season of Christmas alive all year long. In North Pole, you’ll see candy cane lights adorning the streets, Christmas stores, Santa Claus statues and even street names like Kris Kringle Drive.

If you’re a Grinch and don’t love the holidays, don’t fret! You can still be on the nice list because there are plenty of outdoor activities you’ll love, too. This Alaskan city with a Christmas town name offers beaches, hiking trails and the beautiful scenery Alaska has to offer.

4. Rudolph, WI

Rudolph is everyone’s favorite reindeer and those who live in this tiny town with a Christmas town name seem to love the area, too. Home to about 450 people, this rural place is actually famous for its cheese. Perhaps the reindeer stop here on Christmas Eve for a dairy snack?

5. Holladay, UT

Source: Facebook.com/FrostysWinterWonderland

Holladay is a medium-sized suburb in Salt Lake City with a festive Christmas town name. Home to approximately 31,000 people, this town makes the holidays festive by lighting a tree in the city center throughout the season.

6. Noel, MO

Noel is a holiday term that means “to be born.” It’s also a Christmas town name for a city in Missouri. This city lives up to it’s holiday-sounding name and has special postage stamps for any mail addressed to it. All holiday mail is stamped with their renowned postmark.

Aside from the Christmas tree and red wreath stamps, the town of Noel is a destination for people who want to enjoy the amazing scenery of the Ozarks. So, if you’re looking for a festive place to visit, check out Noel: The Christmas City of the Ozarks.

7. Holly Hill, FL

Have a holly, jolly Christmas in Holly Hill. This place with a Christmas town name is a great place to be year-round. It’s a lovely seaside village and is home to about 12,000 people. The city name was derived from Holy Hill but through the years has morphed into Holly Hill.

8. Garland, TX

While this city with a Christmas town name wasn’t named after festive holiday greenery, it still has a Christmas-y sounding name. Located near Dallas, Garland is a large suburb that over 200,000 people call home. It’s a great place to live, plus, it has a festive name to keep Christmas alive all year long.

9. Bethlehem, PA

The city of Bethlehem capitalizes on its Christmas town name and is known as a Christmas City because it really plays up its holiday events, light displays and shops full of holiday magic.

The Pennsylvania city’s name was chosen by German Moravians, who settled the land in 1741 on Christmas Eve.

10. Christmas, MI

This little town in the upper peninsula of Michigan is a charming place year-round. Home to only 400 people, the residents of Christmas have transformed the city into a resort destination for snowmobilers. This town was named after a resident who made a holiday gift factory here. While the factory no longer exists, people in Christmas, Michigan, keep the spirit of Christmas alive 365 days a year.

Enjoy the magic of the season year-round in these places with Christmas town names

Each town listed has a holiday-sounding name. While some of these towns live up the Christmas theme year-round, others leave Christmas behind come January.

Regardless, all of these places have magic to offer residents and tourists alike. Each city has beautiful scenery, great food and shopping options and friendly people who are on Santa’s nice list.

Source: rent.com

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When you step foot in Salisbury, MD, you’ll be captivated by its picturesque downtown, lined with charming boutiques, cozy cafes, and inviting restaurants. Stroll along the scenic Riverwalk, and enjoy the stunning views of the Wicomico River. Or explore the stunning beaches of the Eastern Shore; you’ll surely find something to love in this town. However, with any place, there can be drawbacks to living there. If you need help determining if Salisbury, MD is a good place to live, Redfin has you covered. So whether you’re searching for apartments for rent in Salisbury or homes for sale, read on for the ten pros and cons of living in Salisbury, MD.

Pros of living in Salisbury, MD

1. Affordable housing costs

Salisbury offers affordable housing costs, making it an attractive destination for individuals and families seeking a more budget-friendly lifestyle. Housing in Salisbury is generally cheaper than in larger metropolitan areas, with various options from apartments to single-family homes at reasonable prices. The median sale price is $245,000, down 2% from the year prior and well below the national median of $407,415. Apartments in Salisbury are also on the affordable end, with a two-bedroom averaging for $1,549. So if you are looking for a city that fits within your budget, Salisbury is a city to check out.

2. Proximity to major cities

Positioned within a few hours’ drive, Baltimore, Washington D.C., and Philadelphia are all within reach. Around a 2.5-hour drive, you’ll find yourself in Baltimore, known for its vibrant Inner Harbor, historic sites, and renowned sports teams, providing a great small getaway. Salisbury’s proximity to Washington D.C., the nation’s capital is around the same distance as Baltimore. D.C. offers numerous world-class museums and iconic landmarks you can easily check out over the weekend. And if you drive a bit further  south, you’ll discover Philadelphia, known for its rich history, vibrant arts scene, and diverse culinary options. This proximity allows Salisbury residents to easily access the cultural, educational, and professional opportunities these significant cities offer while still enjoying the relaxed atmosphere and community-oriented lifestyle that Salisbury provides.

3. Access to beautiful coastal scenery

Salisbury boasts easy access to breathtaking coastal scenery, making it a haven for nature lovers and outdoor enthusiasts. Located on the Eastern Shore of Maryland, the city is close to the stunning Chesapeake Bay and the Atlantic Ocean. Just a short drive away, residents can explore scenic coastal areas such as Ocean City, Assateague Island, and Chincoteague Island. These destinations offer pristine beaches, dunes, and tranquil marshlands, perfect for leisurely walks, sunbathing, birdwatching, and horseback riding. 

4. Variety of outdoor recreational opportunities

Living in Salisbury presents abundant outdoor recreational opportunities, ensuring that residents can enjoy an active and adventurous lifestyle. The region is home to numerous parks, nature reserves, and hiking trails, allowing outdoor enthusiasts to immerse themselves in the beauty of the surrounding landscapes. Pemberton Historical Park, with its scenic trails and diverse wildlife, offers hiking, birdwatching, and photography opportunities. Additionally, the Wicomico River and nearby Chesapeake Bay provide excellent opportunities for boating, fishing, and water sports such as kayaking and paddleboarding. 

5. Active arts and entertainment scenes

The city is home to numerous art galleries, theaters, and performance venues. They showcase the talent and creativity of local artists and performers throughout the year. The Salisbury Art Space exhibits diverse artworks, fostering an appreciation for visual arts in the community. The Salisbury Symphony Orchestra enchants audiences with its captivating performances. At the same time, the Wicomico Civic Center hosts a variety of concerts, comedy shows, and live events that cater to different tastes and interests. 

Cons of living in Salisbury, MD

1. Hot and humid summer weather

During the summer, temperatures can rise to 86 degrees Fahrenheit. Accompanied by high humidity, that can make the weather feel even hotter and more uncomfortable. The combination of heat and humidity may pose challenges for outdoor activities and make spending time outdoors less enjoyable for those who prefer milder climates. Additionally, the high humidity levels can contribute to feelings of stickiness and make it more difficult to find relief from the heat. That said, residents can find ways to adapt to the weather, such as seeking shade, heatproof your home, and staying hydrated. 

2. Scarce public transportation

Salisbury is known to have limited public transportation options, which can be considered a drawback for some residents. The city’s public transportation infrastructure, such as bus systems or trains, may be less extensive than larger metropolitan areas. This limited public transportation can pose challenges for individuals who rely on public transit for daily commuting or prefer to avoid driving. It may require residents to own a car or rely on alternative modes of transportation, which can add to the cost of living and potentially contribute to traffic congestion during peak travel times. 

3. Limited job market 

The city’s job market is relatively smaller compared to larger metropolitan areas, which can result in a more competitive landscape for jobseekers. The range of industries and career paths available may be more limited, particularly in specialized fields. This can make it challenging for individuals seeking employment that aligns with their professional aspirations or expertise. However, it’s worth noting that the job market can vary depending on individual skills, qualifications, and the industry one is pursuing.

4. Potential impact from hurricanes and coastal storms

Located along the Eastern Shore of Maryland and close to the coast, Salisbury is susceptible to severe weather events. Hurricanes and tropical storms can bring heavy rainfall, strong winds, and the risk of flooding, posing a threat to property, infrastructure, and personal safety. These natural occurrences may lead to disruptions in daily life,  and the need to take precautionary measures to safeguard one’s home.

5. Lack of major professional sports teams

Salisbury is only known for the Delmarva Shorebirds, part of the Carolina League for baseball. This limited professional presence can diminish the excitement and camaraderie that come with supporting local sports teams and enjoying the electric atmosphere of a stadium or arena. 

Is Salisbury, MD a good place to live? Final thoughts

Whether Salisbury, MD, is a good place to live depends on individual preferences, priorities, and lifestyle choices. The city offers several advantages, including affordable housing costs, access to beautiful coastal scenery, and proximity to major cities. However, it is essential to consider potential downsides, such as limited job market opportunities, hot and humid summers, and limited public transportation options, to name a few. Weighing the pros and cons of living in Salisbury will help determine if you want to make this city your home.

Source: redfin.com