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Apache is functioning normally

June 12, 2023 by Brett Tams

Montana is a beautiful place to live, with its waterways and mountainous terrain. If you live and work in the state, you likely need a great place to park your money. The best banks in Montana give you everything you need to pay your bills and manage your money while also keeping fees to a minimum.

The banking industry in Montana is thriving, with a wide range of brick-and-mortar banks that include local, national, and regional banks. Online banking can be a great option, as well, offering reduced fees and savings interest rates that are above the national average.

14 Best Banks in Montana

This list offers a combination of different bank accounts to help you find the right combination of features to fit your needs.

1. First Interstate Bank

With branches in Montana, Arizona, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oregon, South Dakota, Washington, and Wyoming, First Interstate Bank has a fairly large footprint.

You’ll also get fee-free access to ATM withdrawals nationwide through the MoneyPass network. First Interstate’s free checking account waives monthly maintenance fees with direct deposit or at least a $250 daily balance. Account holders under the age of 24 also pay no service fees.

Fees:

$5 monthly service fee (waived with requirements)
$10 overdraft fee

Balance requirements:

$100 minimum deposit to open
No minimum balance requirements

ATMs:

Fee-free at First Interstate Bank ATMs
Fee-free at 37,000+ MoneyPass ATMs nationwide
$2.50 out-of-network ATM fee

Interest on balance:

Up to 0.25% APY on savings accounts
Up to 0.25% APY on money market accounts
Up to 4.29% APY on CDs

Additional perks:

Open a FirstRewards World Mastercard along with a checking account and get 5,000 bonus points
Wealth management services available

2. GO2bank

GO2bank is an online-only bank that integrates all your banking functions into its app. You’ll get most of the features you need to manage your bank account in the app, including mobile check deposit and the ability to transfer money from checking to your savings account.

But what sets GO2bank apart from other online and mobile banking options is its cash accessibility. Not only can you withdraw funds at any Allpoint ATM, but you can also deposit cash at more than 90,000 retail locations nationwide.

Fees:

$5 monthly fee
$15 overdraft fee

Balance requirements:

No minimum deposit to open
No minimum daily balance requirement

ATMs:

Fee-free at Allpoint ATMs nationwide
$3 out-of-network ATM fee

Interest on balance:

4.50% APY on savings accounts

Additional perks:

Deposit cash at 90,000+ retail locations nationwide
Secured credit card helps you boost your credit score with no credit check required

3. U.S. Bank

Multiple national banks have branches in Montana, including U.S. Bank, which operates 21 branches across 14 towns. You’ll find ATMs across Montana, but the bank doesn’t operate in every state. You will, however, enjoy fee-free access to cash while you’re traveling through the MoneyPass network, which currently operates about 40,000 ATMs nationwide.

The U.S. Bank Smartly checking account is an interest-earning account that doesn’t charge fees, provided certain conditions are met. These conditions include having monthly electronic deposits of $1,000 or more, maintaining a minimum average balance of at least $1,500, or possessing an eligible U.S. Bank credit card. Alternatively, you can also qualify for fee-free status if you reach one of the bank’s rewards tiers.

In addition, for a limited time, you can earn a $400 sign-up bonus with qualifying activities.

Fees:

$6.95 monthly maintenance fee (waived with requirements)
$35 overdraft fee (waived up to $50)

Balance requirements:

$25 minimum opening deposit
No minimum daily balance requirement

ATMs:

Fee-free at U.S. Bank ATMs
Fee-free at MoneyPass ATMs nationwide
$2.50 fee per out-of-network ATM transaction

Interest on balance:

Up to 0.05% APY on checking accounts
0.01% APY on savings accounts
Up to 4.75% APY on CDs
Up to 4.00% APY on money market accounts

Additional perks:

Smart Rewards program helps you earn rewards for purchases
Up to $750 bonus for business checking accounts

4. Stockman Bank of Montana

Those who prefer brick-and-mortar banks should take a look at Stockman Bank of Montana. As Montana’s largest family-owned bank, Stockman Bank offers branches and ATMs throughout the state. It might not be the best option if you regularly leave Montana, though, as you’ll pay an out-of-network ATM fee of $1 per transaction in addition to third-party ATM fees.

Fees:

No monthly maintenance fees
$15 overdraft fee

Balance requirements:

$100 minimum deposit to open
No minimum balance requirements

ATMs:

Fee-free at Stockman ATMs
$1 out-of-network ATM fee

Interest on balance:

Up to 0.60% APY on savings accounts
Up to 4.39% APY on CDs

Additional perks:

High ratings for customer service
Enhanced debit card security features in mobile banking app

5. Opportunity Bank of Montana

Based in Helena, Opportunity Bank of Montana is another community bank with access to a nationwide ATM network. There are two free checking account options.

Opportunity Checking has all the basics, but Opportunity Reward Checking issues 1% unlimited cash back on qualifying purchases. To qualify for reward checking, you’ll need to receive at least $1,000 in monthly direct deposits and have at least 10 qualifying purchase transactions on your debit card.

Fees:

No monthly service fees
$30 overdraft fee

Balance requirements:

$100 minimum deposit to open
No minimum daily balance requirement

ATMs:

Fee-free at Opportunity Bank ATMs
Fee-free at MoneyPass ATMs nationwide
$2 fee for ATMs outside the Opportunity and MoneyPass networks

Interest on balance:

Rates not publicly disclosed

Additional perks:

6. Glacier Bank

It might be a regional bank, but Glacier Bank has a heavy presence in its service area. You’ll find 222 branches in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada, and you can use your ATM card at any Allpoint ATM across the globe. In addition to local bank branches, you’ll also get great deals on checking accounts, as well as savings and business banking options.

Fees:

No monthly fees
$30 overdraft fee

Balance requirements:

No minimum deposit to open
No minimum balance requirement

ATMs:

Fee-free at Glacier Bank ATMs
Fee-free at 55,000 Allpoint ATMs worldwide
$2 fee for ATMs outside of Glacier Bank and Allpoint networks

Interest on balance:

Rates not publicly disclosed

Additional perks:

New checking account comes with a thank-you gift
Robust business banking services

7. Chime

If you have direct deposit, Chime is an online banking option that’s worth considering. Chime doesn’t charge monthly service fees on its checking account, and automatic savings features can help move money from your checking account to your savings account regularly. There is no cash deposit option with Chime, but you can withdraw cash from any Allpoint ATM.

Fees:

No monthly service fees
No overdraft fees

Balance requirements:

No minimum deposit to open
No minimum daily balance requirement

ATMs:

Fee-free at 60,000+ ATMs nationwide
$2.50 outside ATM fee

Interest on balance:

2.00% APY on savings accounts

Additional perks:

8. Chase

Chase Bank is another national bank with branches and ATMs in Montana. You’ll find branches in Helena and Billings. One of the best things about Chase is its nationwide presence. Chase has 4,800 branches and 16,000 ATMs spread across 48 states and the District of Columbia.

The most popular account is Chase Total Checking, which is fee-free if you receive at least $500 in electronic deposits monthly, have a daily balance of at least $1,500, or maintain an average combined balance of $5,000 across all your Chase Bank accounts.

Fees:

$12 monthly service fee (waived with requirements)
$34 overdraft fee

Balance requirements:

No minimum opening deposit
No minimum daily balance required

ATMs:

Fee-free at 15,000+ Chase ATMs
$3-$5 non-Chase ATM fee

Interest on balance:

0.01% APY on savings accounts
Up to 3.75% APY on CDs

Additional perks:

$300 bonus for new checking accounts
Autosave makes it easy to transfer funds to your savings account

9. Farmers State Bank

Another community bank is Farmers State Bank, which has locations across Montana. Farmers State Bank offers both e-banking and traditional banking services to meet all your needs. Although their checking accounts require an opening balance, you can find a fee-free option with no minimum balance requirements or fees.

Fees:

No monthly fees

Balance requirements:

$25 minimum deposit to open
No minimum balance requirement

ATMs:

Fee-free at Farmers State Bank locations
$1 non-Farmers State ATM fee

Interest on balance:

Up to 0.03% APY on savings accounts
Up to 2.27% APY on money market accounts
Up to 4.59% APY on CDs

Additional perks:

Consumer and business loans available
Scholarship program available for students

10. Trailwest Bank

Serving Ravalli, Missoula, Mineral, and Flathead Counties, Trailwest Bank is a locally owned bank with checking and savings options. One feature that sets Trailwest Bank apart is its rewards checking account. Your account comes with a debit card that issues unlimited $.10 rewards per purchase with no fees or minimum balance required.

Fees:

No monthly fees
$30 overdraft fee

Balance requirements:

$25 minimum deposit to open
No minimum daily balance requirement

ATMs:

Fee-free at Trailwest Bank locations
Fee-free at Allpoint ATMs nationwide
$2 ATM fee for transactions outside the Trailwest and Allpoint networks

Interest on balance:

Rates not publicly disclosed

Additional perks:

Wide range of personal loans available
Business checking and savings account options

11. Ally

Another online banking option is Ally, which stands apart from other online banks due to its competitive interest rates on checking accounts, savings accounts, CDs, and money market accounts.

Ally pays up to 0.25% APY on checking account balances, as well as 3.85% APY on savings accounts. One perk included with your Ally checking account is spending buckets, a tool that helps you better balance your budget.

Fees:

No monthly fees
No overdraft fees

Balance requirements:

No minimum opening deposit
No minimum daily balance requirement

ATMs:

Fee-free at 53,000+ Allpoint ATMs nationwide
Up to $10 in third-party ATM fees reimbursed monthly

Interest on balance:

0.25% APY on checking accounts
3.85% APY on savings accounts
Up to 4.80% APY on CDs
4.15% APY on money market accounts

Additional perks:

Robo Portfolios available to help you build wealth
CoverDraft helps you avoid overdrafts

12. Independence Bank

When it comes to local Montana banks, Independence Bank is a great option. You’ll find physical branch locations across Montana, each offering the in-person customer service you can only get from a brick-and-mortar bank. Independence Bank offers two checking accounts, including one fee-free option.

Fees:

No monthly maintenance fees

Balance requirements:

No minimum daily balance required

ATMs:

Fee-free at Independence Bank ATMs

Interest on balance:

Rates not publicly disclosed

Additional perks:

Robust business checking options
Special perks for account holders aged 60 and over

13. Valley Bank of Kalispell

Valley Bank of Kalispell is a community bank with more than a century of experience in the area. The bank’s main office is in downtown Kalispell, with an additional loan office in Eureka. You’ll find multiple basic checking accounts with no monthly maintenance fees, each with its own requirements and features.

Fees:

No monthly maintenance fees

Balance requirements:

$50 minimum opening deposit
No minimum balance requirements

ATMs:

Fee-free at Valley Bank ATMs
Fee-free at MoneyPass ATMs nationwide

Interest on balance:

Rates not publicly disclosed

Additional perks:

Easy check ordering
Wide variety of auto and recreational vehicle loan options

14. Wells Fargo

Wells Fargo is a national bank with branches in 4,900 branches in 37 states. You’ll get fee-free ATM use while traveling at 12,000 ATMs, but if you travel to one of the states without a Wells Fargo presence, Wells Fargo will charge a $2.50 fee for each non-Wells Fargo network ATM withdrawal.

This is in addition to the fee charged by third-party ATM providers. Currently, you can earn a $300 bonus by opening an Everyday Checking Account with a $25 deposit and receiving at least $1,000 in direct deposits within the first 90 days.

Fees:

$10 monthly fee (waived with requirements)
$35 overdraft fee

Balance requirements:

$25 minimum opening deposit
No minimum daily balance requirement

ATMs:

Fee-free at Wells Fargo ATMs nationwide
$2.50 fee for non-Wells Fargo ATM transactions

Interest on balance:

Up to 2.51% APY on savings
Up to 4.51% APY on CDs

Additional perks:

$300 bonus on new checking accounts
FICO score available in mobile banking app

How We Picked These Accounts

Banking needs vary from one person to another, so it can be tough to say what the best banks are. First, there’s the national vs. local debate. Someone who travels often might prefer a bank with branches everywhere, while others might prefer the sense of community you get with a local bank.

This list of best banks also takes into account the different banking services available. You might prioritize a free checking account over a high-yield savings account, for instance. In case you’re looking for a checking or savings account that earns money, we also included banks that pay interest on your savings account, CD, or money market account.

Frequently Asked Questions

What national banks are in Montana?

There are several national banks that have branches within the state of Montana, including U.S. Bank, Chase Bank, and Wells Fargo. If you live in Billings or Helena, Chase might work well for you, but otherwise, U.S. Bank and Wells Fargo will have the statewide coverage you need.

What is the most reliable bank?

Nothing’s guaranteed, but if you go with an FDIC-insured bank, you should be covered, even if you choose an online banking or extremely local bank. Large, corporate banks have a bigger asset base, so if stability is your biggest concern, that might be the way to go. However, there are plenty of FDIC-insured regional banks and small, local banks that are well-established and unlikely to go anywhere.

What Montana bank is ranked the best?

Opinions can vary from one source to another, so it’s important to look across multiple rankings to pull out some trends. When it comes to national banks with a large number of bank branches in Montana, U.S. Bank tops a lot of lists.

As for local banks, two banks receive quite a few mentions. Both Glacier Bank and Stockman Bank of Montana get high marks for their customer service and community focus. Since both of these options are among the best banks for keeping fees low, they’re worth considering.

What should I look for in a Montana bank?

With so many Montana banks, it can be tough to narrow it down to just one. Once you’ve ensured a bank is FDIC insured, it’s a matter of weighing the cost against the rewards. That includes perks like rewards for debit card transactions and checking accounts that pay interest. Here are some factors to consider as you’re researching the best banks.

Overall Better Fee Structure

You’ll see plenty of banks that offer free checking account options, but it’s important to look at the big picture. You’ll see account fees charged for the following:

In most cases, you won’t be penalized for not using an account as long as it doesn’t sit dormant for a while, but it’s essential to look at that. Also consider ATM availability. If you think you’ll regularly need to withdraw cash, the best checking accounts will give you fee-free access whether you’re at home or traveling.

Easy-to-Achieve Fee Waivers

Most online banks and community banks have free checking. But many national and regional banks have strings attached to their free accounts. The best checking accounts have attainable fee waivers, if any at all. Pay close attention to banks that require a lot of debit card purchases every month if you tend to spend more using cash or a credit card.

Some fee waivers will also require a minimum daily balance. This goes for both checking and savings accounts. Before choosing an account, make sure you can maintain that balance, day after day, or be prepared to pay the fee.

Low (or No) Minimum Deposits

Banks often require a small deposit on the account holder’s part to establish checking and savings. But you’ll find plenty of free online banking and smaller local banks that waive the minimum deposit to let you get started with no money whatsoever.

Among the banks that require an opening deposit, though, you’ll find options with small requirements. You might find a bank that lets you open a savings account with just $25 or $50 with a free or low deposit to establish checking. If it’s lower than what you’d put into savings with a different bank, that small checking deposit might be worth it.

Competitive Interest Rates

In addition to fees, you’ll also need to look at the return you’ll get on your savings. The best savings accounts offer a high yield without requiring a ridiculously high balance. Take a look at the interest rate and compare it to other banks to make sure you’re getting the best deal.

Variety of Accounts and Loans

Whether the account pays a higher interest rate is a great consideration, but there’s a benefit to having a one-stop shop. You might find community banks and credit unions offer highly competitive interest rate options on personal loans.

Being an account holder might even get you a discount on auto loans and mortgages. Although you can always shop for loans with other banks, some people prefer to have everything in one place.

Digital banking

Over the years, banking has moved to mobile devices and websites. Whether you go with a large or small bank, take a quick look at the digital offerings. The app should make it easy to pay bills, transfer funds, and keep an eye on your accounts. You might find an online bank gives you better options in this area, particularly if you don’t need to visit a local branch and you rarely deposit cash.

Most importantly, make sure the bank’s mobile app works with your particular mobile device. The app can’t help you at all if you can’t access it. Even if you rarely use the app, it’s a handy tool to have if you suddenly need to take a look at your account when you’re away from your computer.

The best savings accounts and checking accounts offer all the amenities you need while also keeping your balances strong. With so many banks and credit unions in Montana, it’s fairly easy to find a solution that will meet your own needs.

Source: crediful.com

Apache is functioning normally

June 12, 2023 by Brett Tams

It’s common knowledge that the pilot episode of any given TV show is just a warm-up round. To know what you’re getting into, and decide if you really want to watch it, you have to give most shows 2-3 episodes. But some shows just have a really strong pilot, and you know from the beginning that the show is going to be good. Today, let’s talk about the top 20 TV shows with the strongest first episodes. Do you have one in mind? Check out this list and see if it’s here!

1. Chernobyl

Photo Credit: HBO.

Chernobyl is a 2019 series based on the historical 1986 Chernobyl tragedy and the subsequent cleanup activities. Some people say the drama series had one of the strongest first episodes.

One person said, “Still watch that series a couple of times a year, it’s amazing.”

Another person replied, “It was brilliant but scarred for life after it. Couldn’t do that to myself again.”

One commenter added, “Same team made The Last of Us pilot, which is also quite good.”

2. Six Feet Under

Photo credit: HBO.

The HBO television series Six Feet Under was highly praised by critics for its writing and acting, and was consistently popular among viewers, resulting in high ratings. It is widely considered to be one of the greatest television shows ever made. Also, the last episode of the series has been called one of the best endings to a TV show ever.

One person said, “I love this show. Still recommend it for anyone asking for a solid series to watch.”

Another added, “I recommend it to people all the time too. I’ll Have to watch it again someday. So good.”

3. Fargo

Photo Credit: MGM Television.

Fargo is a 2014 black comedy crime series with four seasons and 41 episodes. The series is incredibly well-curated, with each episode just getting better.

One person commented, “Yeah! I came to say this one, it has the best first episode I’ve ever seen.”

Another commenter replied, “First and second season both had excellent opening episodes.”

Another user added, “Came here to say this too! I was immediately hooked.”

4. Attack on Titan

Photo Credit: Wit Studio.

Attack on Titan (AOT) is a Japanese manga series illustrated by Hajime Isayama. The apocalyptic series follows the story of Eren Yeager, along with his other friends to exterminate the man-eating giants in the post-apocalyptic world.

One person shared, “Yes. Immediately sets the tone and gives you the first wave of questions you want answered.”

“I remember watching it and being immediately hooked,” someone replied.

“The first two episodes triggered my depression really hard and I had to stop. Then I couldn’t get it out of my head and went back to it like a week later. Now it’s one of my favorite shows ever,” another Redditor added.

5. Lost

Photo Credit: Touchstone Television.

Lost is a 2004 science fiction drama that follows a group of survivors who manage to survive a plane crash on a deserted island in the tropical Pacific while aboard Oceanic Airlines Flight 815.

One person stated, “My answer too—ridiculously strong opening. Hard to imagine now but it was one of the first ‘mystery box’ series’ and still maintained strong character focus. That whole first season was incredibly good.”

Another commenter added, “As someone who quit watching Lost half way through, the pilot was one of the most riveting things I’ve ever seen.”

6. Hannibal

Photo Credit: Living Dead Guy Productions.

Hannibal is a psychological horror-thriller television series that aired from 2013 to 2015, starring Mads Mikkelsen as the titular character, Dr. Hannibal Lecter. The series is based on the characters and elements from the classic novels ‘Red Dragon’ and ‘Hannibal’ by Thomas Harris.

One user said, “Hannibal sets up the tone for the whole show quite well.”

Another Redditor replied, “The first season of Hannibal is one of my favorite TV seasons ever and that first episode is flawless.”

One commenter added, “Love the show so much! Mads Mikkelson and Hugh Dancy are fantastic! I never would’ve thought I’d like another Hannibal Lecter after Anthony Hopkins, but I dare say that Mads is right up there with him. If not better.”

7. The West Wing

Photo Credit: Warner Bros Television.

“Came here to say this. The entire show was a masterpiece for me, even after Sorkin left. Easily my most rewatched series,” One Redditor shared.

“26 Emmy awards. It’s a comical number when you consider how many legendary TV shows only got 1 or 2 awards. I remember when John Spencer, Bradley Whitford and Richard Schiff were all nominees for best-supporting actor against each other, and you just had to laugh at how much better it was than other shows,” another added.

“My favorite of all time. Have viewed S1-S7 at least three times, maybe four. I never get sick of it. Glad to know others are obsessed with it. Succession is the only other show that has come close to me wanting to absorb eps multiple times,” one commenter replied.

8. Westworld

Photo Credit: HBO Entertainment.

One user commented, “I watched the first episode of Westworld and then immediately made a group of friends watch it. It hooked me hard. It is a shame the later seasons couldn’t (to me) hold on to the same magic as that first season.”

Another person replied, “The performances in Westworld were incredible. Especially when they were troubleshooting Peter Abernathy, that scene was masterful.”

A third commenter added, “Westworld S1 was absolute perfection. One of the best first seasons of a show ever. So sad its trajectory went the way it did.”

9. Ozark

Photo Credit: MRC Television.

Ozark is a crime drama television series that premiered on Netflix in 2017. The series stars Jason Bateman as Marty Byrde, a financial planner who relocates his family from the Chicago suburbs to the Ozarks in Missouri to launder money for a drug cartel.

“Ozark’s first episode was pretty chill and then whoa,” one user stated.

“This is my answer too. It’s a good show, but far and away the best episode of the series was the pilot. One of my favorite hours of television,” the second person replied.

10. Derry Girls

Photo Credit: Hat Trick Productions.

The show is known for its witty and irreverent humor, as well as its poignant exploration of the impact of political conflict on everyday life in Northern Ireland. It has been praised for its diverse and relatable characters, as well as its portrayal of female friendship and adolescent angst.

“Most sitcom first episodes (seasons too?) have to do so much table setting that they’re not funny. This first episode established the settings, and characters, and was funny too,” one person stated.

“Yup, wife and I just started and we were in love with it from the first episode. It’s great when you find a new show that doesn’t require time to ‘get into it, it gets better’ etc.,” another commented.

11. Sherlock

Photo Credit: BBC.

One person stated, “It started well, but they tried to get too clever. The last series was unwatchable.”

Another user added, “Not fair as this show is on another level. Each episode is an entire cinematic experience. Masterpiece.”

One commenter said, “Yeah I liked the slow-mo matrix-style wedding photos, really added to the experience.”

12. The Americans

Photo Credit: DreamWorks Television.

The Americans has been praised for its complex characters, compelling storytelling, and meticulous attention to detail in its portrayal of historical events and espionage tactics. It has won several awards, including Emmys for its lead actors and for Outstanding Writing for a Drama Series.

One person shared, “YES! Also has one of the saddest series finales ever. I cannot listen to With or Without you anymore.”

The second person replied, “It sets up everything perfectly. I remember finishing it the first time and being confused that I’d only watched a single episode. It felt longer, but in a good way. The finale is also amazing, along with pretty much every moment in between.”

13. Battlestar Galactica

Photo Credit; Universal Television Studios.

Battlestar Galactica is a science fiction television series that initially aired from 2004 to 2009. The show is a reimagining of the original 1978 series and is set in a distant star system where humans and their robot creations, the Cylons, are in a state of war.

One user shared, “That opening scene had me soooooo hooked.”

Another Redditor replied, “Oh, so good. And the finale was great too. (And like most of the in-between bits).”

14. Designated Survivor

Photo Credit: ABC Studios.

Designated Survivor was initially praised for its compelling premise and strong performances, particularly from Sutherland. However, the show received mixed reviews over the course of its three seasons, with some critics and fans feeling that it lost its way in later seasons.

“Also had the best episode of the series,” one person commented.

“I’m so hooked on this show right now!” another person replied.

15. The Good Place

Photo Credit: Universal Television.

“This is especially striking because sitcoms are notorious for having ‘meh’ pilots at best, even the ones that become classics. Sitcoms always seem to take time to get the characters well together and for the writing to align with their characters’ energy. But The Good Place was straight hysterical right out of the gate!” one person said.

“Can’t believe I had to scroll this far to find this. You watch the first episode, you’re probably going to watch all of them,” another user stated.

“Yup, I was about to comment this because I didn’t think anyone would. I don’t really like sitcoms, but this show is amazing,” a third commenter added.

16. The Walking Dead

Photo Credit: AMC Studios.

One person commented, “[The] Walking Dead season 1 was so damn good.”

Another commenter replied, “I agree. That first episode hooked me. I was actually frightened and squirming in my seat as I got through the scene in/under the tank. What an adrenaline rush. After that, seeing NO progress in a resolution for years…other than to try to escape another disaster of their own making. I eventually gave up on the show.”

One user added, “This is actually the first to come to my mind as well. Such a great start.”

17. Dexter

Photo Credit: The Colleton Company.

The series explores Dexter’s personal struggle with his dark impulses and his attempts to balance his ‘normal’ life as a brother, friend, and father with his secret life as a killer. Over the course of the series, Dexter becomes involved in a number of complex and dangerous situations, including his interactions with other serial killers, the police department’s investigations into his activities, and his attempts to maintain his cover while pursuing his targets.

“Loved season 1 & 2,” one person commented.

“There is so much packed in to the first episode in the best way,” added another.

18. Jericho

Photo Credit: Paramount Network Television.

Jericho is a post-apocalyptic drama television series that aired from 2006 to 2008. The show is set in the small town of Jericho, Kansas, after a nuclear attack on several major US cities. As the survivors struggle to rebuild their lives and society in the wake of the disaster, they face various challenges, including food and water shortages, disease outbreaks, and conflicts with neighboring towns and militias.

One person said, “That first episode was dynamite. Hands down. But unfortunately when they were forced to bring it back for season two, with a much reduced budget (just to pacify the fans), it showed. Was not the same quality show as season one.”

19. Mr. Robot

Photo Credit: Esmail Corp.

One person said, “That first episode legit dropped my jaw. It’s one of the all time greats.”

Another user commented, “I’m just watching Mr Robot for the first time now. About halfway through season 3. It’s really good, but they play a little too hard in the ‘unreliable narrator’ trope.”

One Redditor added, “Agreed! Haven’t been that immediately hooked by the opening 10 minutes in a while.”

20. Fringe

Photo Credit: Warner Bros Television.

Fringe is a science-fiction television series that aired from 2008 to 2013. The show follows a team of FBI agents and scientists investigating mysterious and unexplained phenomena, including parallel universes, advanced technology, and supernatural events.

“I agree with you. Fringe was a terrific show,” one person stated.

“Very underrated and I rarely see it even mentioned anywhere,” the second person replied.

Source: Reddit.

10 Terrible Fads People Are Glad Died Out

Photo Credit: Shutterstock.

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.

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

Photo Credit: Shutterstock.

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

Photo Credit: Shutterstock.

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

Photo Credit: Shutterstock.

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

Photo Credit: Shutterstock.

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

About the Author

Source: financequickfix.com

Apache is functioning normally

June 12, 2023 by Brett Tams

I love budget travel. Maybe it’s from watching too many episodes of Europe Through the Backdoor and drinking the Rick Steves Kool-Aid, but I wonder if you’ll believe me when I tell you that I wouldn’t travel any other way.

Last year I was considering taking a trip with friends — an all-inclusive spa vacation at a fancy resort. Ultimately I declined because all of the selling points — meals included, C ondé Nast Traveler seal of approval, fancy spa treatments — were actually drawbacks for me. There’s nothing wrong with all-inclusive trips, mind you. They’re easy to plan, and you don’t have to worry about where you’ll eat or how you’ll get from point A to point B. They’re a good option for a lot of people, and even culinary adventurer Anthony Bourdain has sung the praises of staying put and vegging out.

But our vacation dollars are limited, and my husband and I like to explore. The trip would have cost double what we paid for our honeymoon to the same destination (literally right down the beach), and the honeymoon included scuba diving, cooking classes, and renting a car — things we’d have to pay extra for if we took the spa trip. I also thought about how we enjoy checking out local restaurants, but with an all-inclusive meal plan, we’d be paying for meals that were essentially covered in the trip package.

That’s when I realized that even if we could live the five-star travel life, we wouldn’t. We’re budget travelers at heart, and here’s why:

Budget-friendly accommodations are a great way to make new friends. Even within the “budget” category, there are different levels of frugality. Couch surfing is free, and you’ll likely get to know your hosts very well, since you’re staying in their home. In hostels you might be sharing a room, and you’ll definitely share communal living spaces. In locally owned hotels and bed-and-breakfasts (my preference), there’s the opportunity to get to know the family who owns and runs the joint. I particularly enjoyed speaking Italian with the owner of our hotel in Rome last year, who graciously (very, very graciously) told me I spoke Italian well. Italians are a kind people.
Travel by train or bus gives you a glimpse into the everyday lives of locals. I really enjoy subways and buses. I mean, taxis have their place, as do airplanes. But I like trains and buses best. The first time we went to Rome, we were on a bus so crowded we were packed like sardines — literally right against our fellow passengers. Just when I thought that surely the bus driver wouldn’t stop to pick up more people, he did. A petite nun stepped onto the bus, and everyone crammed in that much harder. After that, a few members of our group decided to take taxis for the rest of the trip. But I — the gal who gets nervous in large crowds — found the situation hilarious. If I had been in a taxi, I wouldn’t have learned that overcrowded buses still stop for nuns!
Pounding the pavement often results in the best “magic” moments. The cheapest mode of transportation isn’t train or bus, it’s your own two feet. I’ve happened upon some of the coolest stuff because I was wandering around on foot, most recently Caffe Roma Pastry on Mulberry Street in New York City. My husband and I walked in to what turned out to be a Little Italy institution, established in 1891. The pressed-tin ceiling and long wooden counters gave the place an old New York feel, like we’d stepped back in time, and the giant cannoli brought us right back into the moment. Some of my favorite travel moments are the ones I’ve literally walked into. Walking is also cheap exercise, or in my case, an excuse for a cannoli to go.
Budgets make you creative. Tourist sights are popular for a reason, and there are usually several on my list of things to do. But I try to balance those with some off-the-beaten path activities, which are usually cheap (or free). For example, one day I went to the Natural History Museum and paid $25 for my ticket, and the next day I tracked down a secret bookstore (free admission, $10 spent on a used book). Make a list of the top attractions that are important to see or do, then use a budget travel book like Frommer’s or Let’s Go to find interesting, inexpensive activities to fill in the rest of your time.
Street food, mom-and-pop restaurants, and picnics are fun and delicious. On that same trip to New York, we ate lunch at The Grand Sichuan. The orange beef and rice were easily the best I’ve ever had, and we had wonton soup, hot tea, and a huge plate of soup dumplings (a first for me, and a new favorite). The entire meal for two came to $14. On another day, we went to East Village Cheese Shop and bought picnic food, like 16 ounces of top-notch Brie for $3. We took our groceries to Central Park, where we met up with friends for a 3-hour leisurely lunch. Again, I consult a guidebook for ideas about which street carts to try and where to shop for picnic foods.

As Rick Steves writes, “A tight budget forces you to travel close to the ground, meeting and communicating with the people.” In my experience, that’s been true.

We do make the occasional splurge while on vacation, usually picking one restaurant per trip where we’ll have a really nice meal. During our New York trip, it was Il Buco. While it was expensive compared to The Grand Sichuan, it was worth every dollar (and actually not so pricey compared to what I imagine one could spend on a meal in NYC). Plus, the waiter was incredible. We don’t particularly care if waiters are overly friendly or helpful, we’re more interested in the food! But when you’re in the hands of someone who’s great at his job, the entire meal feels a little more special.

This isn’t to say I’ll never go on an all-inclusive trip. I’d never say never. If you have three kids and both parents work full-time, trying to plan a vacation can be another job and source of stress. (There are great all-inclusive deals out there, depending on what you like to eat and do.) And if you’re the most comfortable in a five-star hotel and you can afford it, go for it! By all means, do what works for you.

But no matter how my situation might change, I think I’ll always be a budget traveler at heart, seeking out the cheap, fantastic Chinese food and secret bookstores. Besides the obvious benefit of saving money, most of my favorite travel moments have been cheap or free.

What’s your travel style? Where do you save and where do you happily spend more?

Source: getrichslowly.org

Apache is functioning normally

June 12, 2023 by Brett Tams

Simple living is great. Avoiding shopping malls in favor of clothing swaps, cooking meals at home with your spouse, holding a music jam with friends instead of shelling out big bucks for a concert — all these activities not only save you money, but they also connect you more deeply with what you love.

In a sense, they make you more alive. Which is what getting rich is ultimately about: not simply achieving material wealth, but living a rich life.

Pay now, save later
Some things just shouldn’t be scrimped on, though. There are expenses that save you money down the line. Some also save you time and improve your quality of life. It might be tempting to cut corners on this stuff, but the truly frugal person knows that laying out cash up front will pay off in savings later.

Consider these expenses an investment in your life. You’ll reap material as well as personal rewards when you keep up with these areas of your life:

Your health. Preventative health care saves thousands on major medical costs every year. In addition to keeping up with your annual physical, be sure to get your teeth cleaned regularly. Dental insurance typically offers only partial coverage of major dental work, and those crowns can add up to huge dollar amounts in a hurry. Taking care of your health also means eating well and getting enough exercise. These things can be done relatively cheaply: You don’t have to spend a fortune at Whole Foods or join a trendy gym to keep fit. It’s worth putting some money into eating well and keeping your body moving, though. Look for bargains at your grocery store, but don’t eat Fruit Roll-Ups instead of fresh fruit just because you have a coupon. Over time, you’ll save money by staying healthy.
Your home. You don’t need to live in a mansion. A smaller, cheaper home can often bring you more joy because it comes with fewer financial headaches and less labor to keep it clean. Whatever roof you choose to lay your head under, you’ll need to maintain it. Unless you rent, or have a condo association managing it for you, it’s important to stay on top of upkeep on your property. Like your health, preventative maintenance can go a long way towards saving you money and guarding against real harm in the future. Fixing your leaky roof promptly, replacing your water heater as needed, and cleaning your heating system each year will cost you in maintenance fees. But it’s a small fraction of the cost you’ll pay if you let those things slide until they become emergencies.
Your marriage. Divorce isn’t just painful, it’s expensive. A divorce typically lowers each former spouse’s net worth by 70%. (But it sure boosts the net worth of the lawyers!) Putting some resources into keeping things strong between you and your partner is a great investment, in financial terms as well as emotional. Set money aside for time together, for small thoughtful gifts to let your beloved know you’re thinking of her. If you have kids, spring for a babysitter to create some much-needed time alone. If your marriage is in trouble, consider therapy. The therapist’s fee may seem steep, but it’s a fraction of the hourly rate a divorce attorney will charge, and the end result will likely be happier.
Your career. Typically, your career is your greatest source of money. But it also creates expenses. These range from having the right clothes for your office environment to taking graduate courses. There’s an art to knowing which expenses will pay off. Do you really need $200 shoes to fit in at work? Is that new laptop an essential business expense or a neat toy? While it’s easy to overspend on your career, especially if you’re self-employed, work is an area where some investment up front can bring you huge returns over time. If a graduate degree will help you step into a higher paying position, or even switch careers entirely, it’s probably worth the cost of tuition bills in the here and now.
Your happiness. You can’t live entirely in the future. While you save for your long-term goals, be sure to put some energy into being happy in the present. That doesn’t mean splurging on expensive whims to buy yourself a moment of happiness in a bleary day. Spending money you don’t have won’t make you happy. Debt is a major cause of stress and sadness in people’s lives. But as you take control of your finances, be sure to also tend to the joy in your life. That’s best done by fostering close relationships and engaging in activities you love. Unlike the other “life investments” I’ve talked about here, this one comes with a small price tag or none at all. A talk with a close friend, a trip to the library, or a free movie at your local university can all bring big doses of happiness for free.

Investing in these core areas pays off in a better quality of life and saves you money on emergencies. A healthier, happier life is also a cheaper one.

Budgeting for now and later
To get the long-term financial and personal gains of this approach, you’ll need to do some careful budgeting. Make sure you leave room for “unexpected” expenses like home repairs and dental work. A review of your last few years’ spending records should give you a pretty clear idea of what your family typically spends on these periodic maintenance items. By budgeting for them, you’ll have the cash on hand when you need it.

You can also make your life easier by funding a three- to six-month emergency fund to tap into when life throws you a big curveball like a suddenly failed appliance You shouldn’t rely on your emergency fund to cover your new running shoes or evening computer classes, though. Budget for these “life investments” and they’ll fit more easily into your life.

As with any expense, it’s important to make these choices with care. Yes, you’re investing in your life. Keeping your health, your home, your marriage, and your career strong will bring you more happiness every day. But like any investment, take care not to overextend yourself. Sometimes last year’s running shoe is just as good as this year’s — and for half the price. Getting the most out of your money without shortchanging your quality of life is the truly frugal approach.

Source: getrichslowly.org

Apache is functioning normally

June 12, 2023 by Brett Tams

Picture it: You’ve planned your upcoming cruise for months. You chose the perfect ship and itinerary, rounded out your vacation wardrobe and weeded through endless lists of dining options and spa treatments. Then you board the ship and head to the excursions desk only to discover there’s no more room on that once-in-a-lifetime adventure that was to be the crowning moment of your voyage.

Don’t let this happen to you. If you’re booked on a sailing and don’t want to miss out, you can reserve many activities, experiences and restaurant meals ahead of time, either online or via the cruise line’s mobile apps.

Whether you’re a planner or someone who likes to play your vacation by ear, you should absolutely consider booking certain cruise activities in advance. Discover what’s available pre-cruise so you can better prepare for your next voyage.

For cruise news, reviews and tips, sign up for TPG’s cruise newsletter.

Dining reservations

An order of dan dan noodles from Tamarind, the Asian restaurant on Holland America’s Rotterdam. ASHLEY KOSCIOLEK/THE POINTS GUY

One of the biggest components of any sailing is dining. Sure, you can opt for the main dining room or buffet each night. However, if you’d like to branch out and try one or two of your ship’s alternative eateries, you can reserve a spot ahead of time, before you even step on board.

If you wait until after you embark to book, you run the risk of being stuck with the earliest or latest dining times or — worse — being completely out of luck. This is especially true if you’re sailing on a newer ship with eateries that aren’t widely available elsewhere.

Shore excursions

Got your eye on specific shore tours? Lock them in early, especially if you’re setting off on a bucket-list journey to a place that you might not have a chance to visit again. Take it from me: There are few feelings worse than having the person at the shore excursions desk tell you “Sorry, but that tour is full.”

Looking at something that’s pricey, and aren’t sure you want to pay that much? Here’s a tip: Book it anyway. If you change your mind, you can usually cancel 24 to 48 hours in advance (depending on your cruise line’s policy) and receive a full refund.

Spa treatments

The thermal suite in the Lotus Spa on Majestic Princess. ASHLEY KOSCIOLEK/THE POINTS GUY

You can wait to reserve spa treatments until you’re on the ship — unless you’re aiming for something particularly special. Do you need to reserve a large number of manicures for a bachelorette party? Do you want your hair done on a certain day so it’s perfectly coiffed for formal night? Are you yearning for a couple’s massage to celebrate your anniversary? Book pre-cruise to make sure there’s enough availability.

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Otherwise, it could benefit you to wait until you’ve crossed the gangway. On port days, when everyone is ashore, spas often try to draw people in by discounting treatments received on those days. They might also offer specials or discounts if you book multiple treatments. These offers aren’t available in advance.

Theater shows

The 735-seat, outdoor AquaTheater on Royal Caribbean’s Symphony of the Seas is home to aerial and water shows. ROYAL CARIBBEAN

Although only a few cruise lines — Royal Caribbean International, Norwegian Cruise Line, MSC Cruises and Virgin Voyages — require passengers to make free reservations for nightly entertainment, only Royal Caribbean, NCL and Virgin allow reservations in advance of boarding.

For certain shows like Royal Caribbean’s comedy shows and AquaTheater productions, as well as Norwegian’s Broadway performances and Virgin Voyages’ dinner theater, it’s crucial to reserve seats. Otherwise, there is a very real possibility you’ll end up not being able to see them. Despite multiple performances per sailing, seating can be limited.

(Tip: If you forget to reserve, show up 15 minutes ahead of time, when ships often release any reserved seats that haven’t been claimed, meaning there could be room for you at the last minute.)

Special occasion arrangements

Are you celebrating something special on board? If you’re in need of anniversary flowers, a graduation cake or birthday decorations for your travel companion, it’s best to order them in advance.

If arrangements can’t be made online or via your cruise line’s app, contact your travel agent or the line directly to make sure they know what you’re expecting and that what you need is available.

Packages

Six drinks from Royal Caribbean’s cocktail menu. ASHLEY KOSCIOLEK/THE POINTS GUY

All major cruise lines sell packages that can help you to save money, alleviate the stress of planning or both. Some of the most common are dining and alcohol packages, as well as internet packages.

The former two are generally a good value for people who drink a lot of soda, fancy coffee or alcohol, or who like to switch up their dining experiences. The last one is essential for anyone looking to stay connected while at sea. Booking any of these in advance could score you some savings versus purchasing the same packages once on your ship.

Less common but still offered are photo packages and wedding packages. It’s almost always unnecessary to pre-book photos, but wedding packages are only available with advance notice. What they include varies by cruise line, but example offerings might be flowers, a photo package, a ceremony for a set number of people and a few romantic in-cabin amenities like chocolate-covered strawberries and Champagne.

Bottom line

Cruise lines offer lots of add-ons you can book prior to your sailing. In most cases, though, it only pays to do so if you’re sure you’d save money by booking early or if your trip would be adversely affected should something not be available to you once you board.

Generally, it’s a good idea to make restaurant and shore excursion reservations ahead of time, as well as any special arrangements you might need. Spa treatments and entertainment can often be left until you’re on the ship and have a chance to see the daily schedule.

Planning a cruise? Start with these stories:

Source: thepointsguy.com

Apache is functioning normally

June 11, 2023 by Brett Tams

Get ready to unlock a treasure trove of invaluable insights and expert advice that will revolutionize your vacation rental property. In this Redfin article, we dive deep into the world of vacation rentals, revealing powerful strategies to make your property shine and leave guests in awe. From savvy investments that boost your property’s allure to crafting an unforgettable resort-like experience, forging strategic partnerships, and crafting personalized guest interactions, we’ll equip you with the knowledge to exceed expectations and achieve unrivaled success in the fiercely competitive world of vacation rentals.

Whether you own a vacation rental property in the enchanting city of Orlando, FL, or the picturesque town of San Marcos, CA, this comprehensive resource is tailored to elevate your rental business to new heights. Here are 18 transformational secrets to maximize guest satisfaction, earn rave reviews, and propel your property to the one of the most sought after homes in the area.

1. Make your rental stand out

“To maintain a five-star rental property, you’ll want to go above and beyond tenant expectations. Our data shows that including a washer and dryer, upgrading to newer appliances, and providing freshly painted walls in neutral tones will not only make your rental stand out, but also make the process of finding great tenants faster,” recommends Doorstead. “Moreover, by ensuring access to a responsive property manager, you can guarantee that all aspects of the home are well taken care of, truly enhancing the tenant experience.”

2. Pretend your vacation rental is a five-star resort

“The most important thing to remember about managing a vacation rental is that this is the hospitality business, not the landlord and tenant business,” shares Todd Ortscheid, Co-Owner of Revolution Rental Management. “You have to think of what you’re offering more like a hotel or resort than a traditional rental property. This means cleanliness, fast response time, desirable amenities, and a well-maintained property. The more you think of your property as a five-star resort, the better off you’ll be.”

3. Consider creating strategic partnerships

“We recommend partnering with a company that specializes in exclusive vacation rental portfolios. If your property is a top-tier, five-star rental, it’s essential to align it with a company whose branding and services cater to the discerning needs of luxury clientele,” recommends Gary Doss, Co-Owner of SoCal Vacations. “Larger companies that offer a broad range of properties may not be able to meet the high expectations and unique demands of this premium market segment.”

4. Personalize communication

“To ensure a successful guest experience, effective communication plays a pivotal role. It is crucial to make your guests feel genuinely welcomed, leaving a lasting impression. One way to achieve this is by remembering their return and incorporating delightful surprises. Consider offering their favorite snacks accompanied by a bottle of wine, arranging fresh flowers, and providing a personalized welcome message upon their arrival,” recommends Ellie Paget, CEO of HomeSlice Stays.

“Prompt responsiveness is of utmost importance when it comes to addressing guest requests or concerns. Aim to respond to them in a timely manner, never exceeding a 15-minute timeframe. This level of attentiveness demonstrates your commitment to their satisfaction and enhances their overall experience.

By prioritizing personalized communication, you can create an exceptional guest experience that fosters satisfaction and builds positive relationships.”

5. Decorate with style

“When it comes to guest experience and satisfaction, décor has the potential to make a significant difference in how guests perceive your rental property. To ensure an exceptional experience, it is crucial to infuse your property with chic and stylish decor, incorporating appealing color schemes and well-curated furnishings,” recommends Ellie Paget.

“To achieve a truly unique and captivating aesthetic, consider leveraging the expertise of our dedicated team. They can assist you in designing your home, helping you create an environment that not only catches the attention of potential guests through eye-catching marketing images but also provides a one-of-a-kind experience during their stay.

By investing in stylish decor and enlisting professional guidance, you can elevate your rental property’s overall appeal, command top dollar, and leave a lasting impression on your guests.”

6. Make sure you have security and safety measures

“To prioritize the safety and security of your guests, it is important to emphasize on security and safety measures. Install reliable locks, smoke detectors, and fire extinguishers. Provide clear instructions on emergency procedures and ensure your guests feel secure throughout their stay. A focus on safety gives guests peace of mind and contributes to their overall satisfaction,” recommends Damir Dumo from Chalet.

“Smart locks with rotating access keys for each guest are must-haves nowadays. We use a smart home automation system that can be remotely managed for all of our homes.”

7. Leverage guest’s reviews

“Pay attention to guest feedback and reviews,” says Damir Dumo. “Actively seek feedback from your guests and use it to improve your property and services. Address any concerns promptly and implement suggestions that align with your goals. By consistently evolving based on guest feedback, you’ll maintain a high level of guest satisfaction and enhance your reputation as a top-notch rental property.

Ask for a five-star review on the day the guest checks out. If it wasn’t a five-star experience, ask the guest to give feedback directly to you.”

8. Discover your secret formula to winning a rave review

“We’ve found that rave reviews are the secret to creating successful, five-star rental properties,” says ALL IN. “This begins with maintaining excellent communication with our owners, guests, and community management teams. Maintaining a meticulous standard of cleaning, offering modern amenities, and assuring attention to every detail are non-negotiables that must always be upheld as a standard.

We invite the input of our guests and respond promptly to their questions, needs, and feedback. Creating memorable experiences keeps them wanting to share their experience with others.”

9. Elevate your guest’s stay with tailored upsells

“When catering to today’s travelers, it’s important to go beyond providing accommodation and focus on creating memorable experiences. Enhance your guests’ stay by offering exciting upsells and activities that align with your property’s location,” says Kennedy Williams from Mount.

“For instance, if you’re near a beach, consider providing e-bikes, or if you’re situated by a lake, offer kayaks. By incorporating these quality add-ons and upsells, you eliminate the guesswork and reduce trip planning stress for your guests, ensuring your property is a memorable stay for all the right reasons.”

10. Elevate your guest experience through realistic promises and delightful surprises

“The top-performing property managers consistently prioritize the basics of a well-maintained property, comfortable beds, and clean linens to create a memorable guest experience. They also excel in attentive guest communication, providing timely and personalized responses that make guests feel valued and supported,” mentions Hostaway.

“They’re also careful in setting realistic expectations by promoting property highlights without overpromising, along with adding delightful touches like unique decor, outdoor games, or welcome gifts, further enhancing the guest experience.”

11. Thoughtfully prepare your guest’s needs before they arrive

“Take the time to think about your guest experience from their perspective,” recommends Floorspace. “By anticipating their requests, you can provide the amenities, information, and special touches that will make their stay seamless and memorable, while also reducing the amount of communication required.

It’s also helpful to keep in mind the benefits of providing a positive guest experience, which can’t really be overstated. Not only will you garner more five-star reviews, but you’ll also increase your chances of repeat and direct bookings.”

12. Set a competitive pricing strategy

“One thing that often gets overlooked is pricing strategy. You can have high occupancy throughout the year, but if your pricing is not competitive, you will not reach your highest earning potential,” recommends Humberto Pacheco, CEO of Naya Homes. “You will need to research similar listings in your area and take into account factors such as location, size, amenities, and seasonal demand.”

13. Automate communication

“Automating communication in a natural tone through templates or automated messages streamlines your interactions with guests while maintaining a personalized touch,” suggests Alex Withorn from Thorn Point Vacation Rentals. “This approach allows you to experiment with different messaging strategies, refine your communication based on guest responses, and deliver consistently excellent customer service without guests realizing it’s not manual correspondence.

Investing effort in repeat business can significantly contribute to ensuring another great review. By fostering strong relationships with guests and providing exceptional experiences, you increase the likelihood of them returning, resulting in positive reviews from satisfied repeat guests.”

14. Harness the power of preemptive reviews

“When you give guests a five-star review, specifically letting them know before they leave their own review can encourage reciprocity and forgiveness. By expressing gratitude and acknowledging their positive experience, you create a positive feedback loop that encourages guests to leave similarly favorable reviews,” says Alex Withorn from Thorn Point Vacation Rentals

“Being upfront about expectations and educating guests about the review process is crucial for ensuring positive reviews. Transparent communication sets the stage for mutual understanding and helps guests provide feedback that aligns with their expectations, leading to more favorable reviews.”

15. Ensure your guests have a streamlined experience checking in and checking out

“Being in the cleaning industry for so long, I found that attention to detail, open communication, consistency, and streamlined processes leads to a five-star rental experience,” says Celestial Cleaning Service. “Every little thing counts, from beginning to end. The way your entrance is presented with wine and chocolates and a personalized letter, to the ease of checking out. Ensuring all staff members associated with delivering a five-star experience is up to date with your standards in delivering a great experience is key.”

16. Create a cleaning schedule

“To ensure a consistently high standard of cleanliness and maintenance in your vacation rental, it is important to establish a comprehensive cleaning schedule. This schedule should encompass tasks that need to be performed daily, weekly, quarterly, and seasonally,” recommends Jacqueline Barbosa from Morfin Cleaning Services.

“Examples of such tasks include carpet cleaning, window washing, and high dusting. Consider small details such as re-caulking, checking batteries, lightbulbs, filters, and even painting the unit if necessary. It is crucial to use quality products and professional cleaning services to ensure that every area, including appliances and windows, receives proper care.

Attention to detail is key when managing a rental property. In platforms like Airbnb, linens and bedding should be in excellent condition, and all appliances must work properly. Guests should have access to all necessary amenities such as toilet paper and soap, and a complete set of cooking utensils should be provided. It is important to regularly inspect these details and replace anything that is worn or damaged.”

17. Conduct inspections

“To maintain a high-quality vacation rental, it is important to regularly inspect, maintain, and upgrade the unit, including appliances and amenities,” says Jacqueline. “Providing a comprehensive guide for guests, which includes information on internet access, streaming services, local attractions, and useful tips, enhances their experience.

“Essential amenities and toiletries such as toilet paper, soap, and dish soap should be provided and regularly restocked after every visitor. Maintaining open communication with guests, checking in upon arrival, and seeking their feedback throughout their stay are key to providing excellent customer service and ensuring a positive guest experience.”

18. Provide uninterrupted guest service anytime, anywhere

“Providing a smooth and memorable guest experience is essential to maintaining a five-star rental. This involves communicating promptly with guests (no matter what time of the day or night), solving guest problems in a timely manner, and giving guests the tools to create the vacation of their dreams,” shares Sam Ripley from LocalVR.

19. Provide perfectly maintained appliances, ample storage space, and an inviting ambiance for your guests

“When it comes to keeping a five-star rental property, I recommend that all appliances and technology be well maintained and in excellent working condition,” suggests Norma Reyen, Professional Organizer and Owner of Simply Fresh Interiors. “I also recommend making sure that there is enough storage space, such as drawers, cabinetry, shelving, and hanging options. Having an appropriate amount of storage allows for a clean and decluttered space that all guests can enjoy. Lastly, maintaining a fresh-smelling home with good lighting and an airy ambiance will make your rental home memorable.”

20. Monitor booking requests

“Be communicative and professional, but warm and friendly. Don’t allow anyone to book without maintaining a standard; for example, guests must have previous and recent positive five-star reviews,” recommends Michael Skomina, from Host Easy BnB. “Liaise with your cleaners and laundry service, as they are the crux of the business and the most important asset to your success. Follow up and inspect after cleans; if necessary, guide and provide feedback in positive ways to help your services provide the best possible standard that you desire.”

Source: redfin.com

Apache is functioning normally

June 11, 2023 by Brett Tams

Are you searching for a new place to call home? Look no further than Rockford, IL. Nestled along the scenic Rock River, Rockford perfectly balances urban amenities and natural beauty. But is it truly a good place to live? In this Redfin article, we’ll explore the various pros and cons of living in Rockford, exploring its affordability, recreational opportunities, and more. So, whether you’re already looking at apartments for rent in Rockford or you’re still considering the big move, let’s dive in and discover if Rockford is a good fit for you.

Pros of living in Rockford, IL

1. Affordability

One of the most significant advantages of moving to Rockford is its affordability. The cost of living in Rockford is lower compared to many other cities in Illinois and the surrounding region. A house in Rockford costs an average of $135,000, lower than the cost in nearby Chicago ($339,450), well below the national average of $408,031. Groceries are also relatively cheap, costing 6% less than the national average, and lifestyle expenses like haircuts and movie tickets are 10% lower. With lower living costs, residents of Rockford have more disposable income to allocate toward savings, investments, or leisure activities.

2. Natural beauty

Rockford boasts breathtaking natural beauty, with abundant parks, gardens, and riverside trails. Residents can enjoy the serenity of Anderson Japanese Gardens, explore the Rock Cut State Park, or stroll along the Sinnissippi Riverwalk. The city’s commitment to preserving and enhancing its natural surroundings provides plenty of things to do if you’re an outdoor enthusiast.

3. Cultural offerings

Despite being a mid-sized city, Rockford has a thriving cultural scene. It is home to several museums, including the Burpee Museum of Natural History and the Rockford Art Museum, showcasing diverse exhibits and art collections. The Coronado Performing Arts Center hosts concerts, Broadway shows, and other live performances, offering a lively entertainment scene for residents to enjoy.

4. Strong community spirit

Rockford’s residents are known for their strong sense of community spirit. The city has numerous active community organizations, volunteer opportunities, and neighborhood events. From local festivals like the Rockford City Market to charitable initiatives, residents have countless opportunities to connect and make a positive impact.

Cons of living in Rockford, IL

1. Limited shopping options

One of the cons of living in Rockford, IL, is the limited shopping options compared to larger metropolitan areas. While Rockford does have a selection of shopping centers, including CherryVale Mall and various strip malls, the variety and range of retail establishments may not be as extensive as in bigger cities. Residents looking for high-end fashion, luxury brands, or niche specialty stores may need to travel to nearby cities for a more diverse shopping experience.

2. Harsh winters

As with many Midwestern cities, Rockford experiences long and cold winters. Sub-zero temperatures, snowstorms, and icy conditions can be challenging for those unaccustomed to harsh winter climates. However, the city offers various winter activities, such as ice skating and skiing, which can help residents embrace the season.

3. Limited job diversity

While Rockford has a thriving job market, it is worth noting that the economy relies heavily on a few key industries, such as manufacturing and healthcare. This reliance on specific sectors can make the job market less diverse, potentially limiting opportunities for individuals in particular fields. Those seeking employment in niche industries or specialized professions may find fewer options in Rockford.

4. High unemployment rate

Rockford, IL has been grappling with a persistently high unemployment rate, and this stands as a significant drawback for those considering living in the city. Currently, Rockford’s unemployment rate stands at 6.2%, surpassing the national average of 3.7%. The repercussions of a high unemployment rate can ripple throughout the community, impacting local businesses, social services, and overall economic vitality. .

Is Rockford a good place to live? The bottom line

In conclusion, the question of whether Rockford, IL is a good place to live requires a thoughtful consideration of its pros and cons. The city offers affordability, a vibrant arts and culture scene, and proximity to natural attractions, providing opportunities for an enriching and enjoyable lifestyle. However, it is important to be mindful of the harsh winters, limited job opportunities, and the challenges posed by the city’s high unemployment rate. Ultimately, the decision to live in Rockford will depend on personal preferences, priorities, and the ability to navigate the potential challenges associated with the city.

Source: redfin.com

Apache is functioning normally

June 11, 2023 by Brett Tams

When you’re young and adventurous, international travel is the dream. You jump at any opportunity to go abroad without a second thought, start packing your suitcase, and promise yourself you’ll work out the details later.

Source: Giphy.com

But traveling — especially post-pandemic traveling — requires a bit of planning if you want a safe, inexpensive, and (relatively) stress-free trip. ️

Whether you’re traveling with friends or going solo, staying for one week or six months, traveling is much easier when you plan ahead with money-saving tips. Here are our best ideas to make your next international trip easy on your mind and your wallet.

What’s Ahead:

1. Be flexible with your dates and destinations

If you have flexibility in terms of where and when you travel, you have a major advantage: the ability to plan your trip around whatever amazing deal you can find. Without limitations on where and when you can travel, you can search within a specific timeframe or geographical area and shop around for low airfare and accommodations.

If you’re totally set on a particularly expensive destination, try to plan your trip for the off-season. You can often save big by traveling during less popular times, even in expensive areas. Conversely, if you have a specific window of time for travel, shop around for a destination that offers a good bang for your buck for that time of year.

A little flexibility goes a long way when you want to save on international travel.

Read more: Affordable international travel destinations that won’t empty your wallet

2. Decide what’s important to you and prioritize your spending

Before you hop on a plane with cash burning a hole in your pocket, take some time to think about your spending plan while you’re away.

I don’t necessarily mean you have to budget — although if that’s your style, stick with it. What I do suggest is you think about how you want to spend your money while traveling — starting with what’s most important to you.

Do you want a direct flight, or is a layover okay?
Do you love museums, or is seeing one enough?
Do you want to stay in a specific neighborhood, or wherever’s affordable?
Are you a big foodie, or is your dining experience an afterthought?

For example, if food is your thing, plan to spend big at restaurants. You’ll probably have to cut back in other categories — like lodging, cultural attractions, or transportation — but that’s okay. Giving this some thought before your trip will help you prioritize your favorite things.

Read more: How to travel for cheap: 7 ways to see the world for less

3. Get travel insurance

If you’ve traveled at all since COVID-19 upended the world, you know how different it is. After months — even years — of lockdown, many of us are jumping at the chance to travel abroad again. But after enduring such a lull in travel, it’s even more disappointing when things don’t work out.

That’s why travel insurance is a lifesaver.

The last thing you want is to plan an epic trip and miss half of it due to a flight cancellation. So even though you might bristle at the added expense of travel insurance, work it into your budget and enjoy the priceless feeling of security should something go wrong.

Like credit cards and bank accounts, there are lots of options when it comes to travel insurance. Several popular credit cards provide travel insurance, so you might already be covered. If not, shop around for a policy that fits your needs and budget. Sites like SquareMouth.com, TravelInsurance.com, and InsureMyTrip.com can help.

Read more: Best credit cards for travel insurance

4. Save digital copies of important documents

You know that feeling when you misplace your phone? Your stomach kind of drops, and panic sets in. (And approximately 12 seconds later you find it on the kitchen table.)

Imagine that feeling — x100 — when you misplace your passport while traveling internationally.

I know — you’ll do your best to keep all your stuff secure and organized. But things happen, you misplace this, you forget that. You’re human, and you should have a backup plan.

Make digital copies of all your important documents before you leave. Store them in multiple places, and make sure they’re accessible to you while abroad. I suggest making copies of the following documents:

Passport
Travel insurance paperwork
Vaccination information
Visa
Driver’s license
Travel itinerary

Store photos on your phone, in your email, in the cloud, and give copies to a trustworthy person at home.

5. Learn language basics

If you’re traveling to a country that speaks another language, take some time to learn key phrases and words.

Learning a new language opens all kinds of doors when you travel. The better you can communicate with locals, the more you’ll get out of your trip. Plus, having some basic language skills means you can better navigate outside of the main touristy areas — potentially saving you money by staying, eating, and shopping in under-the-radar locales.

Learning language basics can also give you a better cultural understanding of wherever you’re traveling. Not to mention locals will appreciate your interest in their language and culture.

If you’re thinking there’s no way you’ll ever learn to speak another language, start small. You don’t have to be fluent to reap the rewards of language skills. Instead, think about some simple words and phrases you know you’ll need often.

There are tons of accessible, free ways to learn a new language these days. You can download an app like Duolingo or Memrise, join a language exchange, or even take a community college class.

6. Have some local cash before you land

There are a million and one things to plan when traveling abroad, and it’s easy to neglect to get local cash before departing. You might just plan to use your card and withdraw money when you get there — but you can’t always count on this strategy.

You never know when you’ll have trouble with a card, and you’ll definitely need money when you land — to feed yourself and get to your lodging, at a minimum. So take the extra step of getting some local currency before you even step foot on the plane. And be sure you have enough to get situated when you get there.

Oh, and don’t wait until you get to the airport to exchange your cash. If you go to your bank or credit union, you’ll pay a lot less in fees and pay lower exchange rates than you will at an airport kiosk.

7. Get a local SIM card for your phone

Roaming data and temporary data passes are expensive, and there are better — and cheaper — ways to use your phone abroad.

Of course, you can always connect to Wi-Fi. But if you want to be able to use your phone without a Wi-Fi connection — say, to find the nearest pub while walking the rural English countryside — you can avoid exorbitant roaming fees by buying a local SIM card instead.

After you land at your destination, go to a local telecom store and buy a SIM card. Look for a pay-as-you-go or temporary SIM, which you might see being marketed to travelers. Choose a popular telecom store with lots of locations — that way, if you have issues later on, it’s easier to find help.

All you have to do is replace your regular SIM card with the temporary one (unless your phone allows dual SIM cards — then you can have both in at once) and make sure your roaming data is turned off. Voila! You’ve got yourself a working phone.

8. Stay in a local neighborhood

Rather than paying an arm and a leg for a bland hotel in the main tourist zone, look for a rental in a local neighborhood when planning your accommodations abroad. Aside from getting a unique experience, there are lots of benefits to doing this:

You can often save money by staying even a short walk from the hot spots
You’ll experience more of the local culture and cuisine
You can meet the locals — whether it’s an Airbnb host, a barista down the block, or a neighbor

If you’re traveling somewhere for an extended period of time (and depending on your risk tolerance), you can wait to find your long-term accommodations until you get there. Find a place to stay for a week or two while you get a feel for the area and chat with the locals. You’ll have a much better idea of where you want to be — plus some insider tips — by getting situated first.

9. Book a walking tour

If you ask me, there’s no better way to explore a new city than on foot. You see more, you start to orient yourself, and you can stop in whatever shops, cafes, and museums you see along the way.

To start your trip off on the right foot (literally), book a walking tour as soon as you arrive. They’re a great way to immediately learn about the city and scope out the places you want to revisit. Plus, walking tours allow you to meet other travelers. If you’re traveling solo, you’ll likely meet other people interested in exploring with you.

They don’t cost much — in fact, a quick Google search usually turns up lots of free walking tours.

10. Use local currency when paying with a credit card

When you’re traveling abroad and paying with a credit card, you may be prompted to choose between local currency or U.S. dollars when checking out. You may not realize it, but you’ll likely pay more by selecting your home currency.

Even if your card doesn’t charge foreign transaction fees, there’s usually a fee associated with paying in your home currency. The only real benefit is seeing what you’re paying in terms of the currency you’re familiar with. But this convenience comes at a price — usually around 3% of the charge — which can really add up over time. If prompted, always choose the local currency when paying with a credit card.

11. Use public transit

One of the best ways to save money when traveling abroad is to use public transit. And I promise it’s not as scary as it seems!

The reality is, Ubers, Lyfts, and cabs will quickly eat away at your budget. While convenient, they’re not cheap. If you can, rely on public transit to get where you need to go.

Depending on where you’re traveling, public transit may include:

Trains
Buses
Subways
Trams
Ferries

The ins and outs of navigating public transit vary widely, but it’s not as intimidating as it looks. Taking public transit will give you a chance to practice a foreign language and give you more of a local’s perspective on the city.

Plus — and I can tell you from experience — you’ll feel a huge sense of accomplishment (and relief) after navigating a foreign city’s public transit system.

One more note: it’s not a bad idea to set aside an emergency stash of money for a cab. If you’re out late or, for whatever reason, don’t feel safe taking the bus or train home, a cab is always worth the peace of mind.

12. Make use of grocery stores

No, you don’t have to go full Julia Child while abroad, but grocery shopping and cooking in a new country is a worthwhile adventure in itself. Plus, shopping for snacks, groceries, and ingredients — and cooking meals yourself — can save you a fortune while traveling.

When I went to Iceland, my flights and rental car were relatively inexpensive. Meals out, however, were pricey. I ended up saving a lot of money by shopping for groceries and cooking at home. There were some… interesting meals, but I saved money I wanted to spend on other things — like museums and awesome lodging.

If your hotel room, rental, or hostel has a kitchen, you can cook simple meals at home. Have fun browsing the shelves at grocery stores, specialty shops, and farmer’s markets for fresh and exotic ingredients, and see what culinary masterpiece you can cook up.

If your lodging doesn’t include a kitchen, you can still stock up on snacks. You can easily piece together a cheap and delicious picnic with grab-and-go-items.

Read more: 9 ways to save money on food and drinks while traveling

13. Check out local meet-ups

No matter how far from home you are, you can find community at a variety of local meet-ups. A quick online search can help you find free local meet-ups in whatever city you’re in — no need to spend on every experience while traveling. Plus, if you’re traveling solo, you’re almost guaranteed to meet other solo people with similar interests as you.

Not sure where to start? Check out these ideas for inspiration:

Creative Mornings — a live gathering of creatives who want to inspire, connect with, and learn from one another.
FuckUp Nights — a series of events showcasing stories of professional failure, vulnerability, and empathy.
MeetUp.com — a platform to help you find groups, events, and activities wherever you are.

If you meet locals during your stay, ask them about local events and meetups. It goes without saying, but stick to gatherings that feel safe.

Summary

International travel isn’t out of reach — especially if you take the time to plan wisely. There are lots of great ways to save on flights, food, transportation, and accommodations, as long as you’re willing to do your research.

Remember to take care of yourself and be a responsible traveler, too. The more effort you put into planning a safe, responsible, and wallet-friendly trip, the more enjoyable it will be.

Featured image: Africa Studio/Shutterstock.com

Apache is functioning normally

June 11, 2023 by Brett Tams

The simplest options strategies, and safest for beginners, include purchasing calls and/or puts — typically called “going long.” For the bearish investor who believes an asset will see price declines over a well-defined period of time, the simplest strategy is to purchase puts on those assets, i.e., pursue a long put strategy.

What Is a Long Put?

The term “Long Put” describes the strategy of buying put options as well as the options contract itself. The investor who purchases a put has purchased the right to sell an underlying security at a specific price over a specific time period. Being the buyer and holder of any options makes you “long” that option contract.

Because the contract in question is a put, the investor is long the put and bullish on the put option as they expect the put options price to rise. The put option holder is bearish on the underlying asset as they expect its price of the asset to go down.

Since the investor has not sold the underlying asset or its options, the investor does not hold a short position.

💡 Recommended: Options Trading Strategies for Beginners

Maximum Loss

In comparison to other options strategies, long puts are low risk due to their limited and well-defined downside. The maximum amount an investor can lose is the premium paid at the initiation of the transaction.

Maximum Loss = Premium Paid

Because different trading platforms have different commission structures, (some may even provide commission-free trading) commissions are typically omitted from profit and loss calculations.

Maximum Profit

The maximum gain for a long put strategy occurs when the underlying asset drops to zero. While this gain is also limited and defined, it is typically far greater than the potential downside. The maximum gain on a long put strategy is defined as the strike price of the put less the premium paid.

Maximum Profit = Strike Price – Premium Paid

Breakeven Price

The breakeven price on a long put strategy occurs at the strike price less the premium. Note that the formula for the maximum gain and the breakeven price is the same but the two formulas are measuring different things.

The breakeven price is the point at which the investor begins to make a profit. As the price drops past breakeven toward zero, hopefully, the investor can realize the maximum gain possible.

Breakeven Price = Strike Price – Premium Paid

Why Investors Use Long Puts

Investors utilize a long put strategy for three main reasons:

• Speculation: The investor identifies an asset they believe will decrease in price over a defined time period. Buying a long put allows the investor to profit from this forecasted price decrease if it happens.

• Hedging: Sometimes an investor already holds an asset like a stock or exchange-traded fund (ETF) and is concerned that the price of the asset may drop in the short term, but still wants to hold the asset for the long term.

By purchasing a long put, the investor can offset any short-term losses through gains on the put and keep control of the underlying asset. For most assets, this hedging strategy provides cheap insurance.

• Combination strategies: For experienced investors, long puts can be part of complicated multi-leg strategies involving the sale or purchase of other options, both calls and puts, to pursue different investment objectives.

Long Put vs Short Put

In contrast, a short put options strategy occurs when the investor sells a put. Being the seller of a put means the options contract seller is obligated by the options contract to sell shares in an underlying security to the option buyer at the buyer’s discretion.

Everything about short puts is the opposite to long puts:

	Long Puts	Short Puts
Investor role	Buyer	Seller
Investor responsibility	Right/Discretion	Obligation
Investor outlook — Asset	Bearish	Neutral to Bullish
Risk	Premium	(Strike Price – Premium)
Reward	(Strike Price – Premium)	Premium

Long Put Option Example

An investor has been watching XYZ stock, which is trading at $100 per share. The investor believes the $100 share price for XYZ is excessive and believes the share price will fall over the next 30 days.

The investor purchases a long put with a strike price of $95 per share for a premium of $5 and an expiration date of 60 days from today. Because options contracts are sold based on 100 share lots, the price for this contract will be $5 x 100 = $500.

The options contract gives the investor the right to sell 100 shares of XYZ at $95 for the next 60 days.

The breakeven price on this investment is:

Breakeven Price = Strike Price – Premium Paid

Breakeven Price = $95 – $5 = $90

Should XYZ be trading below $90 at expiration, the option trade will be profitable.

If XYZ stock should fall to $0 at expiration, the investor will realize their maximum possible profit:

Maximum Profit = Strike Price – Premium Paid

Maximum Profit = $95 – $5 = $90 profit per share or $9,000 per put option

However, if XYZ stock should stay above $90 at expiration, the investor will realize their maximum possible loss and the option will expire worthless:

Maximum Loss = Premium Paid

Maximum Loss = $5 per share or $500 per put option

Even if XYZ rose above the $100 price at purchase, the investor’s loss would still be limited to $500.

The Takeaway

Long put options provide an excellent entry point for newly minted options investors to dip their toes into the market. The trading strategy offers significant profit potential if investors make the right call on the underlying security’s future performance while providing limited downside risk.

If you’re ready to try your hand at options trading, You can set up an Active Invest account and trade options online from the SoFi mobile app or through the web platform.

And if you have any questions, SoFi offers educational resources about options to learn more. SoFi doesn’t charge commissions, and members have access to complimentary financial advice from a professional.

With SoFi, user-friendly options trading is finally here.

Photo credit: iStock/Paul Bradbury

SoFi Invest®
The information provided is not meant to provide investment or financial advice. Also, past performance is no guarantee of future results.
Investment decisions should be based on an individual’s specific financial needs, goals, and risk profile. SoFi can’t guarantee future financial performance. Advisory services offered through SoFi Wealth, LLC. SoFi Securities, LLC, member FINRA / SIPC . SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing—The Automated Investing platform is owned by SoFi Wealth LLC, an SEC registered investment advisor (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC, an affiliated SEC registered broker dealer and member FINRA/SIPC, (“Sofi Securities).

2) Active Investing—The Active Investing platform is owned by SoFi Securities LLC. Clearing and custody of all securities are provided by APEX Clearing Corporation.

3) Cryptocurrency is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, please visit www.sofi.com/legal.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or prequalification for any loan product offered by SoFi Bank, N.A.
Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire amount invested in a short period of time. Before an investor begins trading options they should familiarize themselves with the Characteristics and Risks of Standardized Options . Tax considerations with options transactions are unique, investors should consult with their tax advisor to understand the impact to their taxes.
Exchange Traded Funds (ETFs): Investors should carefully consider the information contained in the prospectus, which contains the Fund’s investment objectives, risks, charges, expenses, and other relevant information. You may obtain a prospectus from the Fund company’s website or by email customer service at [email protected] Please read the prospectus carefully prior to investing. Shares of ETFs must be bought and sold at market price, which can vary significantly from the Fund’s net asset value (NAV). Investment returns are subject to market volatility and shares may be worth more or less their original value when redeemed. The diversification of an ETF will not protect against loss. An ETF may not achieve its stated investment objective. Rebalancing and other activities within the fund may be subject to tax consequences.
SOIN223451

Source: sofi.com

Apache is functioning normally

June 11, 2023 by Brett Tams

Find a gorgeous garden in the Windy City.

Chicago is one of those cities full of hidden gems. There’s just so much to see, and so many great places to live that if you look hard enough, you can always find what you’re looking for.

Narrowing down your ideal list of amenities isn’t easy, though. For some, it’s the high-end fitness center that clinches things. For others, a spa-like retreat is necessary to get away from the city’s activity. As you figure out what you want in your Chicago apartment, don’t discount the value of having easy access to a solid outdoor space.

To find the best courtyards and gardens in Chicago, places that will give you that perfect outdoor area, check out this list. We’ve narrowed down the top contenders for you.

Source: Rent. / The 808 Cleveland by Common

Whether you call it modern and chic or see it as an updated rock garden, this common space at The 808 Cleveland by Common has style written all over it. With separate plant beds set at different heights, you get a dynamic garden right alongside the outdoor grilling area. Small pops of color come from little shrubs and a tree or two, so it’s not just gray stones you’re getting from this garden space.

This is exactly where you want to be if living in the center of everything is important to you. This Near North Side community sits smack in the middle of Chicago’s skyscrapers, all lined up on the Magnificent Mile. Also along this stretch are boutique shops and department stores. You’re close to Navy Pier which has waterfront rides, places to eat and lake cruises.

Source: Rent. / North Harbor Tower

A centralized courtyard sits in front of North Harbor Tower. It is massive, with multiple levels of greenery and landscaping. Divided by walking paths, you’ll find a little cluster of tree stump stools, perfect for relaxing. The close-cropped bushes and trees perfectly balance the patches of lush, green lawn.

For a quieter neighborhood, settle into Near East Side. Located about 13 miles from the city center, this is a great spot to experience the natural beauty of Chicago. You can hang out in Calumet Park on Lake Michigan or stroll through the woods at the Eggers Grove Forest Preserve. It’s a great way to stay close to the city proper while ensuring you always have a more peaceful retreat waiting.

Source: Rent. / Beachside

Grow your own herbs and vegetables right at home in the garden at Beachside. These raised beds give residents the perfect-sized plot to add some really fresh produce to their everyday meals. Community gardens like this are a great way for apartment communities to provide personal green spaces for anyone missing the convenience of a backyard.

Sitting right at the water’s edge, Edgewater Beach is a popular neighborhood for many reasons. Butting up to Lake Michigan, this area boasts some amazing views. There are miles of beaches to enjoy as well as great green spaces. The social scene does well here too attracting artists, foodies and theater-goers alike.

Source: Rent. / The Residences at NewCity

It’s always nice when a functional outdoor space sits within a bunch of greenery. At The Residences at NewCity, the grilling and outdoor dining areas wind along a path between a nice urban garden of raised beds. Here you’ll find lanky trees set among healthy shrubs for an ideal area to enjoy Chicago.

Another Near North Side community, other outdoor amenities include a pool and lounge with a fire pit. There’s also a theater room with a 90-inch screen that shows late-night movies and an on-site spa. Off-property, you’re conveniently located to access plenty of shopping, dining and entertainment options.

Source: Rent. / The Maynard at 4014-22 N Central Park Ave

An expansive courtyard leads the way to the front door of The Maynard. This great space begins before the gated entrance, with large bushes and vivid grass extending to the sidewalk. Once you go through the gate, another patch of lawn sits front and center, with the building itself wrapping around three sides. Enough space is left to host a picnic, while a few trees give the area a little shade. Classic lampposts add some flair to the space as well.

Keeping it nice and chill, communities in Irving Park are surrounded by history, and old Victorian homes give the area a classic feel. Of course, you’ve got modern touches thanks to all the cafes, craft breweries and cideries. Horner Park adds a family-friendly element, with athletic fields among the greenery as well as the area’s summer farmer’s market.

Source: Rent. / Farcroft Park

You may argue this looks more alleyway than courtyard, but when you live in the city, sometimes this happens. You make do with the outdoor space you have, and Farcroft Park does an excellent job of showing off the architectural character of the building by transforming this courtyard into a grilling space. Three gas grills give many people a chance to barbecue, and plenty of seating means eating outside is always a possibility(weather permitting, of course).

Not as high on everyone’s radar as a few other Chicago neighborhoods, Rogers Park has so much going for it. It’s just steps from Lake Michigan, making water-based recreational activities very easy to come by. There’s also an impressive theater scene and plenty of amazing places to eat.

Source: Rent. / The Clark

While it is up on the roof instead of at ground level, this little purple-themed garden at The Clark is full of flowers. A combination of lavender, lilac and more creates a fragrant flower garden to arouse your senses while you take in the view of Chicago. The garden also adds to the view itself when you opt to dine al fresco. It’s located right next to the grilling area and outdoor dining spot.

What makes this Near North Side community stand out is the level of luxury you’ll attain living here. With high ceilings, large closets and plenty of amenities, this green building provides plenty of character. A stately home in a prominent neighborhood, living here puts you near famous eateries and outdoor spaces. You’re also close to Goudy Square Park with its well-known playgrounds, as well as the scenic Lakefront Trail.

Source: Rent. / The Patricians

When limited space is all you have to create a garden-like space, you improvise. At The Patricians, that means going vertical. The green space at this Lincoln Park community includes a living wall of grass in addition to lush planters full of colorful flowers. With plenty of seating among the plant life — everything from chairs to benches to loungers, there’s no shortage of opportunities to take in the view from this great outdoor space.

Plant life and greenery hold a special place across the Lincoln Park neighborhood. It’s everywhere you turn, whether you’ve discovered the Alfred Caldwell Lily Pool for a moment of pure zen, or are strolling through the indoor botanical garden. There’s no shortage of lakefront space here too. This is also where one of the country’s oldest free zoos resides. There’s never a shortage of activities around here.

Source: Rent. / The Van Der Rohe Apartments

Greenery may be at a minimum across the large courtyard at The Van Der Rohe Apartments, but the space is so perfectly laid out, you don’t really need it. Just about every outdoor amenity you could possibly want is right here. From lounge chairs to soak up some sun to grills for cooking to a cabana to keep you protected from the sun, you’re set. Pops of orange and blue draw your eye to the dining tables and compliment the oversized pots holding plants throughout. This is the kind of space where you can easily spend an entire day.

Taking things back into the busy center of Chicago, this North Side community offers up an ideal location, putting you close to shops, beaches and excellent running and walking trails. On-site, you’ll find a resident lounge, 24-hour fitness center and, most importantly, a sundeck.

Source: Rent. / Park Shores

The park-like feel of the courtyard at Park Shores helps you ease out of the hustle of your day, to return home a little less stressed. Large trees loom over the entrance, with ample, green ground cover occupying most of the mulch-filled beds. Some other small plants round out the tranquil space. Combined with the red brick of the buildings, this area gives you soothing, classic vibes, making it easy to feel like you’ve fully stepped away from the urban jungle.

Laid back and full of trendy cafes, bars and jazz lounges, Uptown does an excellent job of providing a varied nightlife for its residents. Considered the city’s entertainment hub, there’s no shortage of options. It’s also where you’ll find Lake Michigan’s Montrose Beach with sand volleyball and swimming when the weather is right.

Grab an apartment with one of the best gardens in Chicago

It’s never a bad thing to live in a city with so many excellent areas to call home, but it does make it hard when you’re trying to find the perfect Chicago apartment. There are so many places to look. What helps, though, is knowing exactly what you want to get out of your next place, including that hot outdoor spot that gives you an excellent reason to stay right at home.

Featured Image Source: Rent. / The Maynard at 4014-22 N Central Park Ave

Source: rent.com