Get ready for bottomless mai tais: Nothing says summer like a great outdoor Tiki bar.
Just the idea quickly conjures up ocean breezes rustling through a palm-thatched roof while you sip a frothy drink, perhaps with a pineapple wedge garnishing the rim.
But you don’t have to go on a fancy vacation to belly up to one of these bars. You can enjoy your fruity cocktails year-round if you wind up with one of these half-dozen homes that come with Tiki bars and are on the market right now.
They’re all located in vacation destinations throughout the country, so if you own one, you could always rent it out for a little help with the mortgage payments.
Owning a home with its own outdoor tropical paradise might seem like a dream, but consider the options below. Your Tiki bar fantasy might just be within reach.
Price: $2,998,98 Bar and spa: Nothing makes every day feel like a vacation like a retreat in sunny San Diego. This palm-filled Tiki bar even has a hot tub right next to the counter, perfect for sipping a cold drink while soaking in jetted water.
The rest of the house ain’t bad either. It features four bedrooms and three baths, plus a rooftop deck with a fire pit and ocean views. The spacious primary suite comes with a balcony.
And here’s the icing on the coconut cake: There’s a two-bedroom, 1.5-bath accessory dwelling unit above a three-car garage. It’s currently rented out for $3,000 a month. This sweet income is due to the property’s location in Ocean Beach, where you can see the fireworks from Sea World and walk to all the great shops and restaurants the area has to offer.
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Price: $1,499,000 Party in the back: The front exterior of this stately contemporary home doesn’t hint that the backyard is party central, with its thatch-roofed bar. This festive feature happens to sit on a private pier on Lake Conroe.
The property is part of the golf course community in Bentwater. It comes with a sun deck, a heated saltwater pool, a boathouse with a lift, and a sweet patio.
The interior of the four-bedroom, 3.5-bath, 3,457-square-foot home sports a nautical yet elegant aesthetic. Large windows across the back of the home offer water views. And there’s a chef’s kitchen, a first-floor primary suite, and an upstairs game room with a gas fireplace and a balcony.
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Price: $840,000 Resort-style getaway: A waterfall, putting green, pool, lagoon, pier, Tiki bar—this waterfront home has all the resort-style amenities most people could ever desire.
The backyard comes with a private dock on a spring-fed lake, a lagoon-style heated pool with a rock waterfall and jets, and a three-hole putting green.
The thatched-roof Tiki bar is held up by barrels and comes equipped with a sink, a small fridge, and electrical hookups.
Inside the 1,892-square-foot house, there are three bedrooms, two baths, a billiard room, and a garage with an electric charging station. The home comes with hurricane protection.
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Price: $739,000 Downtown compound: This spread contains two homes, a Tiki bar, a workshop, a garage, and a large deck with a hot tub.
The front home is a tastefully updated, three-bedroom, brick ranch. The back house is a two-story with two bedrooms and two baths, previously used as a short-term rental.
The Tiki bar sits between the homes, as does a wood-burning grill specially designed for an oyster roast.
The property comes fully furnished and is within walking distance of the Brooklyn Arts Center, Live Oak Pavilion, and just about everything else that makes downtown Wilmington so special.
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Price: $1,295,000 Double delight: The owners love Tiki bars so much that they added two—one inside and one out—to their two-bedroom, 2.5-bath house. So when the weather is less than perfect, you can take the party inside. More cocktails for everyone!
Enhancing the vacation vibe of this 3,193-square-foot home is its location just across the street from the white-sand beaches of the Gulf of Mexico. Wrap-around porches offer spectacular water views.
Inside the colorful main house, you’ll find a kitchen with an island, a spiffed-up primary suite with dual closets and a luxe bath, and a gorgeous room at the top of the stairs with 360-degree views.
The property includes a saltwater pool and a guest cottage.
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Price: $1,699,900 Better than a sports bar: With this newly built Tiki bar featuring a large-screen TV and full-size refrigerator-freezer, along with an oversized pool and hot tub, you’ll never need to leave. The high-quality outdoor sound system can serenade you with Jimmy Buffett tunes day and night.
Of course, the inside is comfy, too. The three-bedroom, 2.5-bath 1,758-square-foot home has been remodeled for rental purposes. You could make it your private getaway or offer it up as a short-term rental.
It’s located in the Matanzas Preserve, which is just a short walk or bike ride of Fort Meyers Beach and the Times Square Area, where there are shops, restaurants, and activities along 7 miles of coastline.
Save more, spend smarter, and make your money go further
Whether you’re religious or not, Easter can be an incredibly fun time of year — delicious candy, beautiful eggs, fluffy bunnies, and pastel everything.
But if you’re not careful, it can also be an expensive time of year.
A lot of things that people love to do to celebrate Easter will come back to bite them in the financial behind sooner or later (most likely “sooner”).
Here’s a quick rundown of things to avoid doing, if you want to keep your Easter under budget:
Hire an Easter Bunny
The world is chock-full of entertainers that will gladly dress up as the Easter Bunny for your child’s party — for a price, naturally.
Usually, this price is a rather hefty one. There is absolutely no need to hire any of these people, even if they’re really, really good at hopping.
Either create your own Easter Bunny costume, find a mall or shop where the kids can get free pictures with the Bunny, or just sit back and fire up some old Bugs Bunny cartoons for an afternoon.
That wascawwy wabbit is the gift that keeps on giving.
Buy Too Much Chocolate
As blasphemous as it may sound, there is such a thing as too much chocolate, especially when that chocolate can run you a pretty penny.
If you buy a dozen chocolate bunnies at five bucks each, that’s $60 on chocolate rabbits alone.
That’s way too much candy for any family (kids should probably just have a few small pieces each, holiday or no,) and that money could easily have gone to other, more important matters, like bills or ingredients for a delicious, homemade Easter dinner.
Hey, speaking of …
Eat Easter Dinner at an Expensive Restaurant
Any restaurant higher up on the food chain than McDonald’s will have an Easter dinner ready for you to enjoy. Of course, it’ll cost you some dough.
Depending on the size of your family, you could easily drop $50-100 on one night’s meal.
What’s the point, when you can just as easily create your own meal at home?
Buy the meat you want, cook it the way you like it, garnish it with whatever sides suit your fancy, and top it off with a dessert that’s bound to be way better (and cheaper) than whatever the local eateries would whip up.
Rent Top-of-the-Line Church Clothing You’ll Never Wear Again
Pastel dresses and formal tuxedos aren’t usually found in your typical closet, and so many people rent them for their Sunday church activities, return them the next day, and not think about it until next year.
Or, until the next credit card bill comes along, either or.
It doesn’t matter how cute or precious your little girl looks in a $90 outfit. It’s still a $90 outfit that ultimately doesn’t matter much.
Most people (well, the good ones anyway) will welcome and embrace you and your family regardless of what you wear to church. Just wear what you normally do and everyone will be happy.
Well, the rented formal wear company probably won’t be happy, but too bad.
Buy a Pet Bunny (if You’re Not Ready)
This could be the single dumbest purchase of your Easter, in addition to being the most expensive.
Unless you were planning to get a bunny for a while, knew what you were getting into, had all the right supplies, and budgeted accordingly for it, bringing home a pet rabbit for Easter is a horrid idea indeed.
The actual rabbit might not cost a lot, but caring for it, feeding it, bringing it to the vet when need be, and just being a good pet owner in general can cost a ton of money.
If you are truly ready to bring a bunny into your world, and have budgeted accordingly, then Easter is a tremendously symbolic time to begin.
But otherwise, just stick with chocolate bunnies. Just don’t get too many, since they’re not exactly cheap either.
Mary Hiers is a personal finance writer who helps people earn more and spend less.
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I have a pretty idyllic Friday evening planned: I’m going to yoga class, and then taking my husband out for dinner. These are both fairly spendy activities for me, but I got a great deal. I’ve already paid for both my yoga class and my date night with Groupons.
Groupon is the mother of all daily deal sites, with a rapidly growing number of competitors. The concept is simple: A product or service is offered at a discounted rate, but the deal only goes through if enough people buy it. The businesses make out — in theory — on volume, while the buyers score some great deals.
Sounds almost too good to be true, right? And it’s just that — almost too good to be true.
A Groupon Groupie When Groupon works, it works great. That yoga class I mentioned? I got 50% off a month-long membership at the local studio right around the corner from my house. I was going to buy that membership anyway, and the Groupon happened to be fortuitously timed for two weeks before I wanted to use it. I snapped it up. My date-night Groupon is a similar deep discount for dinner at my husband’s favorite restaurant. We go there all for all our special dates, like anniversaries and birthdays. Buying a coupon for half off dinner there was a no-brainer.
I’ve bought a few other daily deal coupons:
A discount at my favorite thrift store
A coupon for a cocktail bar a friend and I have plans to check out
A ten-visit pass at the local climbing gym
Again, these were activities I’d been wanting to do anyway. So far, I’ve been delighted with each of my Groupon purchases. They’ve saved me real money on things I was definitely going to buy anyway.
The “one day only” sales tactic works for me, too. There’s something about the time pressure of these deals that gets past my normal resistance to buying Stuff. I know I can slip into “shopping mode” and start overspending, and that awareness sometimes makes me too cautious. I don’t want to buy anything for fear of flipping the switch. A daily deal site is kind of great for a shopper like me: They offer a deal a day, and I take it or leave it. Even if I buy that one thing, I won’t be tempted by the item sitting on the shelf next to it. While a lot of these sites do have multiple deals running simultaneously, they don’t push you to browse for more the way, say, buying a book on Amazon pops up a whole string of tempting “recommendations”.
In my case, this has worked out well. I’d been wanting to join that yoga studio for months. I looked at their web site so many times I memorized the class schedule. I asked friends about their experiences there and heard only rave reviews. I walked past it at least a few times a week and stared in the windows. I made a New Year’s Resolution to take a class there. New Year’s stretched into March, and I still totally meant to do it.
But I never got past my own resistance to spending “unnecessary” money. Even when my doctor told me I needed more exercise and my therapist suggested taking up a meditative practice. Yoga is both. I’m so happy to be doing it now; I’ve been going to three classes a week and loving every minute of it. The Groupon was just the right nudge to get me over my shopper’s paralysis and in the door.
The Dark Side of Deals I probably sound a bit like a Groupon groupie. As I said, it’s been great for me so far. I’m acutely aware that the deal is almost too good to be true, and that some people will be bitten by it. There’s an obvious dark side to daily deals. At heart, daily deal sites are just another avenue to entice you to buy more Stuff. Whether it’s real physical Stuff or meta-Stuff like classes and restaurant meals, it’s still Stuff you spend your money on.
When you’re offered a deep discount on something, it can seem appealing even if you don’t really want or need it. So far, I’ve managed to stick to a firm personal rule of never buying a daily deal for anything I wasn’t already planning to spend money on. I’m comfortable with those purchases: They’re things I want, and I could afford them at the discounted rates I paid.
Not everyone escapes the smoothly oiled marketing machine of the daily deals so well. Time has a great piece up on their It’s Your Money blog about “Groupon remorse”. Some people buy so many coupons they need spreadsheets to manage them. There’s a whole secondary market emerging in people reselling Groupons and other daily deal coupons that they bought and then realized they were never going to use. (If you want in on that action, you can check it out at Lifesta.)
To the extent that they encourage you to buy Stuff, the daily deals are just one more frugality buster. A half-price dinner out is still more expensive than a home-cooked meal. If buying Groupons becomes a habit for me, it’ll lead me to spend more than I want or need to, on Stuff I don’t really need.
Used wisely and sparingly, though, it can be a tool for some great deals on things you’d be spending your hard-earned cash on anyway.
Have you tried Groupon, or another daily deal site? Have you loved it or loathed it? What’s your strategy for making sure you only buy deals you’ll really value?
Welcome to the bustling metropolis of Atlanta, GA, where history, culture, and Southern charm converge in a captivating blend. As one of the most vibrant cities in the United States, Atlanta is a treasure trove of fascinating stories and hidden gems waiting to be discovered. In this Redfin article, we invite you to test your knowledge and embark on a journey through 15 fun facts about Atlanta. Whether you’re a long-time resident or you’re considering renting an apartment in Atlanta, prepare to be captivated by the city’s rich heritage, iconic landmarks, and surprising trivia. So, fasten your seatbelts and join us as we unravel the secrets of Atlanta, GA—your gateway to Southern hospitality and urban excitement.
1. It’s the birthplace of Martin Luther King Jr.
Atlanta holds significant historical importance as the birthplace of civil rights leader Dr. Martin Luther King Jr. The Martin Luther King Jr. National Historic Site, which includes his childhood home, the Ebenezer Baptist Church where he preached, and the King Center, his final resting place, honors the life of the civil rights icon. These sites are a must-visit bucket list item in Atlanta and offer a chance to connect with the legacy of one of America’s most influential figures.
2. Atlanta’s residents take pride in their Southern hospitality
Expect warm smiles, friendly gestures, and a genuine eagerness to make newcomers feel welcome. You’ll often find strangers striking up conversations, lending a helping hand, or sharing recommendations, creating a sense of community that is truly heartwarming.
3. Coca-Cola was invented and founded in Atlanta
Did you know that another? The World of Coca-Cola museum offers an interactive experience, taking visitors on a journey through the history, production, and global impact of this iconic soft drink. Sample over 100 beverages from around the world and marvel at the impressive collection of Coca-Cola memorabilia.
4. Lights, camera, Atlanta: The Big Peach is a film and television hub
Atlanta has emerged as a major hub for film and television production, earning the nickname “Hollywood of the South.” Thanks to its diverse range of landscapes, favorable tax incentives, and world-class production facilities, the city has attracted numerous blockbuster movies and popular TV shows, such as Stranger Things and The Blind Side. Keep an eye out for familiar filming locations while exploring Atlanta’s neighborhoods.
5. Atlanta is home to vibrant neighborhoods
Atlanta is renowned for its neighborhoods, each with its own distinctive charm. From the historic streets of Grant Park and Inman Park to the trendy vibes of Midtown and the upscale ambiance of Buckhead, there’s a neighborhood to suit every taste. Explore their unique shops, restaurants, parks, and cultural offerings to find your perfect corner of the city.
6. Atlanta is one of the few cities that has a professional team for almost every sport
For sports enthusiasts, Atlanta offers a thrilling experience. The city is home to professional sports teams like the Atlanta Braves (baseball), Atlanta Falcons (football), Atlanta Hawks (basketball), and Atlanta United FC (soccer). Catching a game at the state-of-the-art Mercedes-Benz Stadium or the iconic Truist Park is an exhilarating way to immerse yourself in Atlanta’s vibrant sporting culture.
7. From hip-hop royalty to soulful rhythms, Atlanta’s music scene won’t disappoint
Atlanta has made significant contributions to the music world, particularly in the genres of hip-hop, R&B, and gospel. The city has nurtured numerous talented artists, including Outkast, TLC, Usher, Ludacris, and many more. Explore the Atlanta Music Hall of Fame, visit iconic recording studios, and catch live performances at legendary venues like The Tabernacle and the Fox Theatre to immerse yourself in the city’s vibrant musical heritage.
8. You’ll experience festivals galore
Atlanta hosts a wide range of cultural festivals and events throughout the year, offering residents an opportunity to celebrate diversity and engage with different communities. From the Atlanta Jazz Festival and the Atlanta Film Festival to the Atlanta Dogwood Festival and the Dragon Con parade, there’s always something exciting happening in the city. These events showcase Atlanta’s artistic talents, culinary delights, and multicultural fabric, creating a vibrant and inclusive atmosphere for all.
9. Dive into the wonders of the deep at the largest aquarium in the world
One fun fact about Atlanta is that the city is home to the Georgia Aquarium, one of the largest aquariums in the world. This spectacular attraction allows visitors to immerse themselves in an underwater wonderland, featuring thousands of marine creatures, including beluga whales, manta rays, and whale sharks. You can also participate in unique experiences like swimming or diving with the aquarium’s gentle giants. The Georgia Aquarium offers an awe-inspiring journey into the depths of the ocean without having to leave the city.
10. You don’t have to leave the city to get your nature fix
Despite its urban nature, Atlanta boasts an abundance of green spaces and parks. Piedmont Park, located in the heart of the city, offers picturesque walking trails, beautiful views, and numerous recreational activities. The Atlanta BeltLine, a former railway corridor turned pedestrian-friendly trail, connects several neighborhoods and provides a fantastic space for outdoor enthusiasts.
11. Atlanta’s flavorsome fusions will surely delight
Atlanta’s culinary scene is a delightful fusion of traditional Southern flavors and innovative gastronomy. From down-home barbecue joints like Fox Bros. Bar-B-Q to fine dining establishments such as Marcel, food enthusiasts will find an array of mouthwatering options to satisfy their cravings. Don’t miss the chance to savor classic Southern dishes like fried chicken, biscuits, and peach cobbler while exploring the city.
12. Centennial Olympic Park serves as a legacy to the 1996 Summer Olympics
Atlanta played host to the 1996 Summer Olympics, and as a result, Centennial Olympic Park was created as a lasting legacy. This beautiful park spans 21 acres in downtown Atlanta and serves as a gathering place for locals and tourists alike. It features fountains, green spaces, walking paths, and the iconic Olympic Rings fountain. The park also hosts various events and concerts throughout the year, providing entertainment and recreational opportunities for all.
13. High Museum of Art unveils a world of masterpieces in Atlanta
Art enthusiasts will find a haven in the High Museum of Art, one of the leading art museums in the Southeast. The museum houses a diverse collection of artwork from around the world, including American art, European art, African art, and contemporary pieces. The striking architecture of the museum itself is a sight to behold. Visitors can explore the permanent collections, rotating exhibitions, and participate in educational programs that offer a deeper appreciation of the arts.
14. Ponce City Market, now a popular dining and shopping venue, was formerly a Sears
Located in the historic Sears, Roebuck & Co. building, Ponce City Market is a vibrant mixed-use development that seamlessly blends retail, dining, and entertainment. This trendy destination features an array of shops, local boutiques, artisanal food stalls, and rooftop bars with panoramic city views. From delectable cuisine to unique shopping experiences, Ponce City Market offers a lively atmosphere that showcases the city’s creative spirit.
15. Atlanta’s street art scene paints the city in beautiful murals
Atlanta is home to a thriving street art scene, with captivating murals adorning buildings and walls throughout the city. The Atlanta Street Art Map highlights numerous vibrant artworks created by local and international artists. A unique activity to do in Atlanta is to take a walking tour or explore the neighborhoods to discover these remarkable displays of creativity and self-expression that contribute to the city’s vibrant visual landscape.
Atlanta, GA, is a city that continues to captivate residents with its rich history, diverse culture, and dynamic lifestyle. From its historical landmarks and world-famous attractions to its welcoming communities and thriving arts scene, there are countless reasons to move to Atlanta. Embrace the charm of this Southern gem and explore the countless fun facts that make Atlanta a truly unique and delightful place to call home.
The oh, so familiar residence that served as the exterior for sitcom stalwart “The Brady Bunch” is this week’s most popular home on Realtor.com®.
Located in the L.A. suburb of Studio City, the five-bedroom home appears almost exactly as you might remember it from the show, thanks to HGTV. The network purchased the place in 2018 and had its stars transform the interior and exterior to create a near-exact replica of the house on the iconic show that ran from 1969 to 1974.
Other homes you clicked on this week include a Nantucket-inspired home in Connecticut, an entire island in North Carolina, and a cheap antique in Illinois that includes houseguests. (Yes, you read that correctly.)
For a full look at this week’s 10 most popular homes, keep on scrolling.
Price: $360,000 Why it’s here: This adorable Cape Cod cottage is decked out in classic beach style and is being offered completely furnished.
From the salmon-colored door to the seafoam-green kitchen cabinets, the cool coastal vibe is apparent the moment you enter the two-bedroom unit.
Offering just 560 square feet of living space, the seasonal cottage sits in the community of Salt Air Village. The recently updated interior also offers new appliances and a tankless water heater.
A monthly homeowners association fee includes activities as well as beach access. The little place is pending sale.
Price: $1,260,000 Why it’s here: This sprawling six-bedroom home offers stylish single-level living.
The 4,500-square-foot interior reflects the midcentury modern style. Built in 1975, the home boasts a kitchen with a marble island and breakfast bar. There’s also a living room with a brick fireplace, built-in shelves, and walls of windows. The primary suite comes with a vaulted ceiling and a walk-in shower.
The 3-acre property includes a bonus space with a bathroom and a built-in dog bath out back.
Price: $500,000 Why it’s here: “This MCM home could be a great rehab or tear down,” the listing states. Naturally, we wanted a peek inside.
This three-bedroom home offers a classic midcentury style. The photos show a wall of windows in the living room as well as wood-paneled walls and ceilings, so the bones appear to be salvageable.
The residence sits on 1.4 acres and is pending sale.
Price: $684,900 Why it’s here: This luxury, Nantucket-inspired home is offered at a reasonable price.
Built in 1977, the exquisitely designed, 3,745-square-foot home boasts high ceilings, three fireplaces, shadowbox accents, bullnose arches, and many built-ins. A foyer clad in travertine features marble medallion inlay. The two-story great room comes with a cherry inlay floor plus a floor-to-ceiling stone fireplace. The chef’s kitchen comes with radiant floor heating, high-end appliances, and an oversized center island. The two-car carriage house provides extra storage space.
The wraparound porch with mahogany flooring and the private back deck are ideal spaces to soak in views of the 1.95-acre lot.
Price: $199,000 Why it’s here: This ultra-affordable antique needs some TLC, but it does come with many period details.
The cute three-bedroom home offers 1,141 square feet of living space. A glass-enclosed sunroom opens to the spacious living room with the original wood flooring and a brick fireplace. The dining room has a built-in cabinet, and the primary bedroom comes with two closets plus sliders that open to the back deck.
Price: $480,000 Why it’s here: This historic gem has been thoughtfully modernized.
Built in 1910, it boasts historic details, including seven fireplaces, stained-glass windows, and exquisite moldings. Restored hardwood flooring runs throughout the four-bedroom home, and there’s new plumbing and electrical.
There are two bedrooms on each floor, and the kitchen and two bathrooms were recently updated.
Price: $2,400,000 Why it’s here: If you’ve ever dreamed of owning your own island, here is your chance.
The 4-acre Waterway Island comes with an updated, 4,534-square-foot home, saltwater pool, kayak launch, and private beach.
The five-bedroom residence includes a chef’s kitchen and a living room surrounded by windows. The primary suite is on the third level and comes with access to a private deck.
Price: $130,000 Why it’s here: The enormous mansion comes with an affordable price tag—and tenants.
According to the listing, the antique is being sold as is and is “occupied.” Adding to the mystery, there are no interior photographs.
Originally built for local developer Charles Powers in 1910, the five-bedroom estate features “three full stories of grandeur.” The home sits on a corner lot of 1.3 acres.
Price: $199,000 Why it’s here: Attention, entrepreneurs! This historic building offers an opportunity to operate a restaurant, café, or retail business in the space.
Previously operating as a restaurant, the 1,825 square feet of space has been completely remodeled, though some historic touches remain. The industrial-style interior boasts beamed ceilings, concrete floors, and exposed brick walls. The covered back patio offers a nice spot for dining al fresco.
According to the listing, all of the furnishings are available for purchase.
Price: $5,500,000 Why it’s here: Here’s your chance to tell your own story in “The Brady Bunch” home. The exterior of this midcentury home was featured in the popular 1970s family show that became a cult favorite.
While the interiors of the beloved home of Carol and Mike’s blended family were originally shot on a soundstage, the interiors of this home were fashioned after the home we saw on TV.
That’s all thanks to HGTV. After purchasing the home in 2018, the network taped an entire series about the home’s interior makeover. From Alice’s kitchen with its burnt orange Formica countertops to the infamous sliders that open to the backyard where Peter hit Marcia in the nose with a football, the interior is decked out in groovy ’70s style.
“Curated furnishings and accessories are included in the sale,” the listing notes. However, “fireplaces and some appliances/fixtures are decorative only.”
In today’s highly competitive financial climate, with thousands of banks and neobanks nationwide, rewards checking accounts are growing more common.
If you have to keep your money someplace, you may as well earn cash back rewards on debit card purchases or a high interest rate.
Best of all, most rewards checking accounts have no overdraft or monthly service fees. After all, if you have to pay any monthly fees or maintenance fees, it will reduce the overall amount you can earn in cash back.
Rewards checking accounts come in two forms: Those that offer cash back rewards and those that let you earn interest on your money, even if it’s in your checking rather than savings.
Regardless of what you’re looking for in a financial institution, you can find it in one of these rewards checking accounts.
11 Best Rewards Checking Accounts
We’ve read consumer reviews, evaluated bonus offers, and read all the fine print to find 11 of the best rewards checking accounts available online or at local branches today.
1. LendingClub Rewards Checking: Best for High Balances
LendingClub offers an online Rewards Checking account with a straightforward 1% cash back on all signature-based debit card purchases. Ranked on Newsweek’s America’s Best Banks list in 2022, the checking account has many desirable features.
First, earn an unlimited 1% cash back on all signature-based debit card purchases and on transactions processed online as a credit purchase once you meet requirements.
You also earn 0.10% interest on your checking account balance of $2,500 to $99,999.99 and 0.15% annual percentage yield APY on balances of $100,000 or more.
LendingClub provides account holders with access to fee-free ATMs within the MoneyPass or SUM networks and unlimited reimbursement for out-of-network ATMs fees. LendingClub says that account holders save more than $180 annually thanks to ATM fee reimbursement.
Like many of the best rewards checking accounts on this list, LendingClub has no monthly fees, no overdraft fees, and no fees for incoming wire transfers.
You will need a $25 minimum deposit to open an account. There are no minimum balance requirements after that. However, to earn interest, you need to deposit cash to maintain at least $2,500 in your account.
To qualify for cash rewards, you must keep your account open for at least 30 days and receive at least $2,500 in recurring monthly direct deposits or maintain a $2,500 or more average monthly balance.
You may also receive direct deposits from your employer as soon as two days earlier than with many other banks.
2. Axos Bank Rewards Checking: Best for High APY and Cash Back Rewards
Axos Bank is a nationally chartered online bank in business since 2000. The bank offers three checking accounts, all with no monthly maintenance fees, unlimited ATM fee reimbursements domestically, and no overdraft fees.
Axos Bank Rewards Checking is the financial institution’s most popular checking account. It pays up to 3.30% APY when you meet certain requirements.
If you receive monthly direct deposits of $1,500 or more, you’ll earn 0.40% APY to start.
You can increase that interest rate with other activities, such as:
Using your Axos Bank debit card 10X a month or sign up for Axos Bank’s free Personal Finance Manager “Account Aggregation” in online banking
Maintaining minimum average daily balances of $2,500 or more in an Axos Invest Managed Portfolios account or an Axos Invest Self Directed Trading Account
Making Axos Bank loan payments (such as mortgage, auto loans, or personal loans)
Plus, you can earn a $100 cash bonus when you open your Axos Bank Rewards checking before June 30, 2023, and have qualifying direct deposits of at least $1,500 each month in the first three months of opening your account.
If you’re willing to sacrifice the $100 cash bonus – or you don’t meet the requirements to earn the maximum APY with an Axos Bank Rewards checking account– you might consider the Axos Bank Cashback Checking account.
This cash back account gives you a straight 1% cash back on all signature-based eligible debit card purchases up to $2,000 per month.
You’ll need to maintain a $1,500 average daily balance to earn this amount. Otherwise, you’ll earn 0.50% of the average daily balance for that month.
You will need a $50 minimum opening deposit to open your Axos Bank Rewards Checking or Axos Bank Cashback checking account.
3. Consumers Credit Union: Best High Interest Checking Account
Consumers Credit Union is one of two excellent credit unions on our list offering checking accounts with rewards or high yield interest rates.
Of the two, Consumers Credit Union is free for virtually anyone to join. As such, it also earned a place on our list of best free checking accounts.
New members will need to pay a one-time $5 membership fee to the Consumers Cooperative Association. But you’ll get that cash back when you fund your account.
The main attraction to a Consumers Credit Union checking account is the 5% annual percentage yield APY on balances up to $10,000 when you meet minimum deposit requirements and make a minimum number of debit card purchases.
To earn the maximum 5% APY, you must have qualifying direct deposits, mobile check deposits or ACH deposits of at least $500 monthly and make $1000 or more in purchases with your Consumers Credit Union Visa credit card each month.
In addition to the high annual percentage yield APY, CCU also offers early direct deposit up to two days before many other banks, and out-of-network ATM fee reimbursement with no limits each month.
CCU works with a network of 30,000 ATMs and more than 5,000 shared branches that are part of the CU Service Center Network co-op.
Convenient, affordable, and profitable with checking account interest rates ranging from 3% to 5% APY, Consumers Credit Union could be an excellent choice.
If you are considering banking with a credit union instead of a traditional or online bank, this may be the best rewards checking account for you.
4. Discover Cashback Checking Account: Best for No Fee Checking
Discover Bank has a cashback debit account with no monthly fees and a host of other benefits. The program is straightforward and there are no minimum deposit requirements or other qualification requirements to earn cash back.
Simply earn 1% cash back on up to $3,000 in debit card purchases each month for up to $360 in extra cash back each year.
Your Discover Cashback Debit account has no fees of any kind, except $30 for an outgoing wire transfer. You will receive free overdraft protection with automatic transfers from your linked Discover Savings. You will not pay a fee at any of 60,000+ ATMs in the network.
You don’t even have to pay fees for bank checks, check reorders, or expedited shipping of a replacement debit card if you lose yours. If you do lose your card, you can easily “lock” it in the app to prevent unauthorized charges.
Like many online checking accounts, Discover offers early direct deposit, mobile check deposit, and an intuitive and user-friendly mobile app.
5. Schwab Bank Investor Checking: Best for Investors
It’s not always easy to find a rewards checking account with no fees and a high yield on your checking account balance. The Schwab Bank Investor Checking account was rated highest in customer satisfaction from J.D. Power and Associates for four years running.
This account is ideal for those who already have a brokerage account with Charles Schwab or who are thinking of opening one. When you open your High Yield Investor Checking account, you will also receive a brokerage account if you don’t already have one.
You can access both accounts online or in the mobile app with a single log in, and transfer money between both accounts with no fees. There is also no monthly maintenance fee.
Schwab pays interest at the rate of 0.45% APY. You must have a minimum deposit of just one penny in your account to earn interest.
When you fund your account with an opening deposit of $100 within 7 to 10 business days, you will receive free checks, deposit slips, mailing labels, and pre-addressed, postage-paid envelopes for depositing checks through the mail into your Investor checking account. You can also use the app for mobile check deposits or deposit money at an ATM.
When you open your high yield checking account, you will receive a Schwab Bank Visa Platinum Debit Card. The debit card provides unlimited ATM fee reimbursements, even in foreign countries, and no fees when you use a Schwab Bank ATM.
There are also no foreign transaction fees when you use your debit card for purchases outside the U.S.
6. Quontic Bank: Best for Fee Free ATM Access
Quontic offers three choices of the best rewards checking accounts, all with no monthly maintenance fees:
High Interest checking with an interest rate of 1.10% APY
Cash Rewards checking
Bitcoin Rewards checking
Plus, you can earn a 4.25% APY with linked Quontic savings accounts. You won’t pay any ATM fees when you use your Quontic debit card at any of 90,000+ ATMs in the AllPoint, MoneyPass, SUM Program, or Citibank networks nationwide.
Quontic’s High Interest checking delivers up to 1.10% APY when you make at least 10 qualifying debit card purchases of $10 or more per statement cycle. Otherwise, you’ll earn 0.01% APY for that month.
The High Interest checking account has no monthly maintenance fees and no overdraft fees. You will need a $100 minimum deposit to open your account.
Quontic’s Cash Rewards Checking has the same features, including no monthly maintenance fees and no overdraft charges. It is a cash back checking account that delivers 1% on all debit card purchases.
Quontic’s Bitcoin Rewards checking offers 1.5% back in Bitcoin on all qualifying debit card purchases. Like the other Quontic rewards checking accounts, the Bitcoin Rewards checking account has no monthly service fees or maintenance fees and no overdraft fees.
You will need a minimum opening deposit of $500 to open your account. This account is not available to residents of North Carolina or Hawaii.
7. SoFi Plus: Best for Perks
SoFi is an online only bank offering cash management accounts providing you with easy access to your money and generous rewards.
One area where SoFi stands out is the additional perks and the variety of services it offers to account holders. It is also one of the few banks offering both cash back and high yield checking and savings.
Your basic SoFi bank account is a free account with no monthly fee, no minimum balance requirements, no ATMs fees when you bank through any of the 55,000+ ATMs in the Allpoint Network nationwide.
Through a partnership with SoFi Stadium in Los Angeles, California, members also get 25% cash back on stadium purchases with their SoFi debit card, express entry and VIP access to concerts, Rams, and Chargers games.
SoFi also gives members access to savings “Vaults,” where you can set aside money for specific purposes – from emergency savings to a family vacation.
Your deposit account is insured for up to $2 million through SoFi’s partner banks. Each bank offers FDIC coverage up to the $250,000 federal limit, but deposits may be split between financial institutions to increase coverage limits.
If you want to upgrade to SoFi Plus, you’ll unlock a host of other benefits. SoFi Plus is the online bank’s premium offering, but there’s no monthly fee when you establish direct deposit of any amount, with no other minimum balance requirement or deposit requirements.
Your SoFi Plus rewards checking account offers 15% cash back when you use your SoFi debit card at select local retailers. Plus, earn 1.20% on checking and 4.20% on savings and Vault balances.
You’ll also get a personal loan rate discount of 0.25%. SoFi Plus members also get 2X rewards points, which you can redeem for cash, special member events, and experiences within the SoFi mobile app.
SoFi has a referral program, allowing you to earn cash or Rewards points when friends and family sign up for SoFi cash management accounts using your link.
Plus, right now, new SoFi customers receive up to $250 in cash when they open an account and set up a qualifying direct deposit. If your direct deposit is $1000 to $4,999.99, you’ll get $50 in cash. If you deposit $5,000 or more, you’ll earn $250.
Few banks offer so many perks or financial services under one umbrella, which is why SoFi consistently earns “Best Online Bank” accolades from top personal finance sites.
8. Connexus Credit Union: Best Credit Union
Connexus is one of two credit unions on our list of best rewards checking accounts. The Connexus Xtraordinary account offers a 1.75% APY when you meet certain requirements, which include signing up for e-statements and making 15 qualifying debit card purchases or spending $400 in debit card transactions monthly.
Connexus has a vast network of more than 67,000 fee free ATMs, partnered with co-op and MoneyPass networks.
You will also receive $25 in ATM fee rebates monthly. When you link your Connexus savings account to your Xtraordinary checking, you can also take advantage of free overdraft protection.
Connexus also has a similar rewards checking account for teens. With no direct deposit requirements or debit card purchase requirements, teens can earn 2% APY on the funds in their Connexus rewards checking account.
To qualify for membership in Connexus credit union, you must reside in certain cities in Illinois, Wisconsin, Ohio, or Minnesota.
You can also qualify if you work at one of dozens of Midwest companies, institutions, or organizations, or simply pay a $5 one-time donation to join the Connexus Association.
Connexus Teen and Connexus Xtraordinary checking accounts have no monthly service fees and no minimum account balances required to earn interest.
You must make a minimum opening deposit of $5 into your linked Connexus savings account to become a member.
9. TD Bank Beyond Checking: Best for Sign-up Bonus
If you are looking for the convenience of a traditional bank and the money-saving benefits of online banking, a TD Bank Beyond Checking account could be the best rewards checking account for you.
The TD Bank Beyond Checking account pays an interest rate of 0.01% APY on all balances. This is lower than the national average, but you’ll also get other perks with your account. First, let’s discuss the generous sign-on bonus of $300 and how you can earn it.
When you open your account and make $2,500 in qualifying direct deposits within 60 days, you’ll earn $300 cash back.
Keep in mind, there is a $25 monthly maintenance fee associated with the account, but it’s fairly easy to waive, especially if you have other TD deposit accounts.
You can waive the monthly maintenance fee by:
Receiving monthly direct deposits of $5,000 or more or
Maintaining a $2,500 minimum daily balance or
Having $25,000 or more in combined balances across eligible TD accounts, which includes deposit accounts, mortgages, home equity loans, and home equity lines of credit.
In addition to the sign-on bonus and interest on your checking balance, TD offers a free linked Simple Savings account, overdraft protection, easy mobile and online bill pay, and 24/7 fraud monitoring on your TD accounts.
The bank also reimburses numerous common fees, including fees for non-TD ATM transactions, outgoing wire transfer fees, rush bill payments, and up to two overdraft fees waived per year.
The TD Overdraft Relief service allows you more time to get your account out of the negative and also allows you to link your TD Savings account for overdraft protection through automatic transfers.
10. Aspiration Plus: Best for Helping the Planet
Crediful’s rating
Aspiration is a neobank with a straightforward cash management account called Aspiration Spend Save and a premium account called Aspiration Plus.
Aspiration Spend Save account holders can choose to pay monthly fees as low as zero. Each month, you can pay whatever amount you feel is fair for your bank account.
If you want to upgrade to Aspiration Plus, you will pay $7.99 per month. If you pay upfront, annually, you’ll save $2 each month for a total of $71.88 for the year.
Your Aspiration Spend Save account offers 3% to 5% in cash back rewards when you shop with a network of preferred, eco-friendly and socially conscious companies known as the Conscience Coalition.
Some of the retailers in the Conscience Coalition include Warby Parker, Blue Apron, Imperfect Foods, Toms, Brightly, Got Bag, and more.
Aspiration Plus members earn 10% back at Conscience Coalition retailers. Aspiration Plus members also receive one out-of-network ATM fee reimbursement each month and Purchase Assurance on items bought with their Aspiration debit card if they are lost or stolen within 90 days.
Aspiration Plus members also help to fund carbon offsets with each fuel purchase. For every gallon of fuel purchased with your card, Aspiration buys carbon offsets equal to the CO2 emissions generated by that gasoline.
Your Aspiration Plus account also pays 3% interest on money in the Save portion of your account. Regular Aspiration members only earn 1% interest on savings. In both cases, you’ll need at least $500 worth of qualifying debit card purchases in a month to earn interest.
There is a $10 minimum deposit to open an account. There are no ATM fees with Aspiration when you use one of the 55,000+ ATMs in the AllPoint network, plus you get one ATM fee reimbursement each month.
In addition to unlimited cash-back and high yield savings, your Aspiration account also has many other perks and benefits.
When you use the “Plant the Change” program, you can round up your debit card transactions to be deposited into your Save account and Aspiration plants a tree each time you do.
You can read our full Aspiration review here.
11. Truist Bank: Best for Younger Savers
Crediful’s rating
In May 2022, Truist Bank acquired Long Game, an award-winning gamification savings app. The partnership gives Truist bank account holders access to one of the most unique rewards programs in personal finance.
Long Game makes setting savings goals – and reaching them – fun by allowing you to play phone games similar to Fruit Ninja and Candy Crush based on cash deposits you make into your Truist Savings Account.
You can earn extra cash each time you play, as well as earning interest of 0.01% APY on your savings balance. You can also earn coins to play games by answering trivia questions.
Your Truist One checking account delivers rewards of its own when you open select Truist credit cards. Your bonus rewards, which can be 10% to 50% more cash back or miles than you’d normally receive, depend on your Truist One checking account monthly average balance.
Your Truist One checking account comes with a debit card, but you can upgrade to a Delta SkyMiles Debit Card if you pay the $95 annual fee. Truist One checking accounts also include linked Truist One savings accounts with no monthly maintenance fee and a $100 negative balance buffer.
To qualify for overdraft forgiveness, you’ll need to have your account open for at least 35 days with a positive balance, and have a qualifying direct deposit of at least $100 for two consecutive months. Truist Bank never charges overdraft fees, but without negative balance protection, transactions may be declined.
Your Truist One checking account has a $12 monthly service fee, but there are five easy ways to waive that monthly service fee.
To waive the monthly fee, you must meet one of the following requirements:
Make $500 or more in qualifying direct deposits monthly
Maintain a combined balance of at least $500 in Truist deposit accounts
Have a Truist credit card, mortgage or consumer loan
Have a linked Small Business checking account
Be a student under the age of 25
Methodology: How We Select the Best Rewards Checking Accounts
When we evaluated the best rewards checking accounts, we took many features, benefits, and costs into consideration. We also recognized that people’s needs vary. Some may want an online only bank, while others prefer a credit union or even a traditional, brick-and-mortar financial institution.
Rewards on Debit Card Purchases
When most people think of a rewards checking account, they imagine receiving cash back on debit card purchases. Banks that offer cash back on everyday purchases gained favor and a spot on our list.
Account Yield
Some rewards come in the form of a high interest rate on money held in a checking account. Several interest bearing checking accounts with an interest rate of 1% or higher made our list. It is even better if you don’t have to maintain a minimum account balance to receive the highest interest rate.
Fees
On our list of the best rewards checking accounts, we gave preference to accounts with no monthly fees. We also considered other fees, such as overdraft fees, transfer fees, and ATM fees. Banks that offer unlimited ATM fee rebates or even some ATM fee reimbursements each statement cycle were considered favorably.
Minimum Requirements
You should be rewarded by your bank whether you have a large balance or small. For that reason, we gave preference to banks with no minimum deposit requirements and no minimum balance requirements to earn rewards. In some cases, you may need to receive a direct deposit each statement cycle to earn rewards or to receive the highest annual percentage yield APY.
Account Opening Bonus
Some banks offer a generous account opening bonus or even referral rewards when you share your referral link with friends who open an account. It’s nice to start your new bank account with a cash back from a sign-up bonus.
Overdraft Protection
Bank accounts that offer overdraft protection, either through linked savings accounts or by providing a grace period to bring your account back into the positive, earned points on our list.
ATM Network
One way to avoid fees is to find a bank with a large ATM network. Many of the banks on this list use the Allpoint or MoneyPass ATM network with more than 60,000 machines nationwide. We also looked for banks that provide ATM fee reimbursements for using teller machines out of the bank’s ATM network.
Nationwide Availability
We made sure that consumers nationwide could open an account online or in person. We didn’t choose regional banks or credit unions with limited availability, although a small, local bank might meet your needs.
One credit union that made our list, Consumers Credit Union, is available to anyone over the age of 18 willing to pay a $5 membership fee to join the Consumers Cooperative Association. The other credit union we chose also has similarly broad membership requirements. Anyone can join if they make a $5 donation to the Connexus Association or meet certain membership requirements based on city of residence or occupation.
Customer Service
Whether you choose an online only bank or one of the traditional financial institutions on this list, you want to make sure you have access to the best customer service. We chose banks that generally received high marks for customer service on consumer review websites and offered multiple ways to reach customer service reps by phone, email, or online chat.
Tips for Finding the Best Rewards Checking Account
Before you open a rewards account, ask about minimum deposit requirements. Also find out if you need to maintain a minimum balance or set up direct deposits to avoid fees. Look for a bank with a large ATM network and ATM fee reimbursements for using machines outside the network.
Rewards Checking FAQs
Find out what people are asking about the best rewards checking accounts.
How does a rewards checking account work?
Rewards checking accounts pay you money for banking with them. In some cases, you will receive cash back on debit card purchases. Other rewards checking accounts pay interest on your balance. Some also offer additional perks, such as loan rate discounts, access to special events, ATM fee reimbursements and money management tools.
Should you apply for a rewards checking account?
If you are looking to put extra cash in your pocket, a rewards bank account is one way to do so. Most rewards checking accounts do not require a credit check or an application fee to apply. If you are opening a new bank account or considering switching banks, it’s worth considering how you can earn checking account rewards for things you do daily, such as using your debit card or depositing money.
How much does rewards checking cost?
Most of the top rewards checking accounts have no monthly fee, fee-free ATMs, and at least some ATM fee refunds each statement cycle.
When it comes to college towns in Wyoming, the state has a lot more to offer than just beautiful landscapes and natural wonders.
Wyoming boasts several bustling cities that are home to thriving academic institutions. In this article, we will explore the best college towns in Wyoming, where you will find the perfect blend of educational opportunities, recreational activities and engaging local culture. Buckle up, tie your hiking boots tight and join us on this journey to discover the hidden gems of Wyoming’s academic landscape.
Nestled between the Snowy Range and the Laramie Range, Laramie is often considered the crown jewel among college towns in Wyoming. Home to the University of Wyoming, the city has a thriving student community. As the state’s flagship university, UW provides high-quality education and a myriad of research opportunities. The University of Wyoming Art Museum and the American Heritage Center contribute to the enriching cultural experience students can expect while pursuing their studies here.
Beyond academics, Laramie offers a ton of recreational resources that cater to a wide range of interests. The city is a haven for outdoorsy types, boasting easy access to hiking, biking and skiing trails. During the warmer months, students can take a break from their studies and embark on scenic excursions along the Medicine Bow-Routt National Forest or the Vedauwoo Recreation Area. Meanwhile, downtown Laramie offers an eclectic mix of local shops, eateries and entertainment venues, where students can unwind and socialize after a long day of classes.
As the second-largest city in the state, Casper is a thriving college town in Wyoming and home to Casper College. This college offers a range of degree programs, making it an ideal choice for students looking to pursue higher education in a smaller city setting. Casper College prides itself on its strong ties to the community, and the campus provides a close-knit, nurturing environment for students to grow both academically and personally.
Casper boasts a lively atmosphere with numerous attractions to keep students entertained during their downtime. The city is home to the National Historic Trails Interpretive Center, which offers a fascinating glimpse into the region’s rich history. For art enthusiasts, the Nicolaysen Art Museum features contemporary and modern art from local and national artists alike. With the North Platte River running through the heart of the city, students can also enjoy a variety of outdoor activities, like fishing, kayaking and hiking along the river’s picturesque banks.
Located near the Bighorn Mountains, Sheridan is another noteworthy college town in Wyoming. This charming city is home to Sheridan College, a part of the Northern Wyoming Community College District. Sheridan College offers a broad range of academic programs and is known for its strong commitment to workforce development, preparing students for careers in various industries. The college’s beautiful campus, nestled in the picturesque landscape, provides a serene environment for students to focus on their studies.
Sheridan has a rich history, which is reflected in its vibrant downtown area. The Historic Main Street District offers an enticing mix of shops, galleries and restaurants, perfect for students looking to unwind and explore local culture. Outdoor enthusiasts will also find plenty to do in Sheridan, as the city is surrounded by breathtaking natural scenery. Students can take advantage of the nearby Bighorn National Forest for hiking, camping and fishing or head to the Antelope Butte Mountain Recreation Area for skiing and snowboarding during the winter months.
Situated in the heart of Wyoming, Riverton is yet another flourishing college town that offers a unique blend of cultural and educational experiences. Central Wyoming College, provides various academic programs and an emphasis on workforce training. With its commitment to student success, Central Wyoming College offers a supportive and stimulating learning environment for students from all walks of life.
Riverton’s culture is greatly influenced by its proximity to the Wind River Indian Reservation, which is home to the Eastern Shoshone and Northern Arapaho tribes. This cultural diversity enriches the city and presents students with the opportunity to learn about and engage with the region’s indigenous heritage. Riverton’s vibrant downtown area offers a lively array of shops, restaurants and galleries, while the annual Riverton Rendezvous festival brings the community together for a celebration of the city’s unique history and heritage. With its picturesque location near the Little Wind River, students can enjoy various outdoor pursuits, including fishing, hiking and wildlife watching.
Located in the northwest corner of Wyoming, Powell stands out among college towns in Wyoming for its strong focus on agriculture and natural resources. Northwest College offers a diverse range of academic programs, with particular emphasis on agricultural and environmental studies. The college’s commitment to hands-on learning and research ensures that students receive a well-rounded education that prepares them for success in their chosen fields immediately after graduation.
Powell’s close-knit community and small-town charm create a welcoming atmosphere for students. The city’s historic downtown area features a delightful assortment of shops, cafes and restaurants that cater to a variety of tastes. Outdoor enthusiasts will appreciate the city’s proximity to the Shoshone National Forest and Yellowstone National Park, which offer a wide range of recreational activities, from hiking and camping to wildlife watching and photography.
Why not settle down in a Wyoming college town?
Wyoming’s top college towns offer students a diverse array of academic, cultural and recreational experiences. From the bustling city of Laramie to the charming and historic town of Sheridan, each college town above has its own unique character and appeal. These cities provide the perfect backdrop for students to pursue their academic goals while also enjoying an engaging and fulfilling college experience. Pick your favorite city and find your new Wyoming apartment today.
Depositary lender Bank of America‘s top executives said Monday their customers haven’t slowed down their activities, despite a fear of a recession in the U.S. economy.
“We’re mindful of the debate about a future recession, and we have prepared the company across the last decade-plus, through responsible growth, to be prepared for that,” said BofA CEO Brian Moynihan, during a call with analysts. “But as we see our current customer base, we are not seeing them slow down in terms of their activities.”
BofA reported growing deposits — to a record level above $1 trillion — and increasing consumer spending for the second quarter of 2022, according to Securities and Exchange Commission (SEC) filings.
However, like its peers, the bank is not immune to surging interest rates: Gains in the consumer banking division declined during the second quarter and mortgage origination volume was down dramatically.
Bank of America posted a $2.88 billion profit in its consumer banking division in the second quarter, down from a $2.97 billion profit in the first quarter.
Mortgage originations from the bank totaled $14.5 billion during the second quarter, an 11.5% drop from $16.4 billion in the first quarter and 28.5% below the roughly $20 billion hit in the second quarter of 2021.
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BofA’s decline follows its competitors, JP Morgan and Wells Fargo, which also had double-digit declines in originations during the second quarter, according to Q2 earnings releases.
On the bright side, BofA’s home equity originations increased from $2 billion in the first quarter to $2.5 billion in the second quarter. In the second quarter of 2021, it was $1.2 billion.
“For the first time in years, home equity balances increased modestly,” Alastair Borthwick, the bank’s chief financial officer, said to analysts.
Bank of America had $228 billion in outstanding residential mortgages on its books through June 30, up from $226 billion in the first quarter and $214 billion in the second quarter of 2021, according to its earnings statement.
The home equity portfolio went from $30.5 billion as of June 30, 2021, to $27 billion as of June 30, 2022.
Bank of America’s total mortgage-backed securities reached $44.3 billion fair value as of Sept. 30, compared to $62 billion as of March 31.
The bank reported a consumer net charge-off of $525 million in the second quarter, an increase of $185 million from the previous quarter, including $85 million from non-core mortgage sales.
According to Borthwick, the bank sold an old portfolio of residential mortgages.
“We do that periodically anyway. But in this case, it was about $3.3 billion. And we did have a loss,” he said to analysts.
The executive added: “It was largely offset by a gain somewhere else. So, I wouldn’t think about it as much of an economic loss — but it did temporarily inflate the charge-offs, which is why we called it out.”
Bank of America’s stock was trading at $32.62 around 11 a.m. EST Monday, up 1.14% from the previous day.
Inside: The summer months are a great time to cash in while teachers get paid. Here are some tips to maximize your income as a teacher.
The school year is almost over, and soon students will be heading off to summer vacation. But how about teachers?
Teachers are expected to start getting paid in the summer too- or at least that’s what we’ve been told. However, some believe there may not be enough money for this extra pay out of pocket if all schools do it by themselves.
So now I want you to think back on your child’s teacher from last school year – did they get paid in the summer?
Summer is here, and it’s time for teachers to ask “do I get paid in the summer?”
The answer depends on your state. The following are guidelines for what teachers should expect from their employer during the summer break as well as tips to maximize their paychecks.
What is the average salary for a teacher?
The average salary for a teacher varies depending on the country, level of education, and years of experience. However, a teacher’s salary is typically lower than other professions with similar levels of education and experience.
This is the unfortunate truth for the teaching profession. Truly I believe teachers deserve to be paid higher as they are guiding our future generations.
On average, the national classroom teacher salary was $65,090 for the 2021-21 school year, according to the National Education Association.
This varies depending on the factors mentioned above, such as degree attained and experience level.
average salary for a teacher Examples
Using the same data from NEA, let’s look at some examples.
For example, the average teacher salary in California is $84,531 per year, which California ranks 2nd highest for average teacher pay among 50 states. Illinois starting salary is $68,083 and ranks #12 in the nation.
Whereas, Arizona’s teachers survive on a starting salary of $50,782 ranking #26 in the nation. In Colorado, the average starting salary for teachers is a pitiful $35,292 ranking #48 in the nation.
Do teachers get paid in the summer?
There is no one answer to this question because teacher salaries can vary depending on the state or country in which they work. In some cases, teachers may get paid during the summer months, while in other cases they may not.
Most teachers in the United States are paid over a 12-month period.
During that time, they work 10 months and receive a paycheck for those 10 months. For the other two months, they do not get paid since they’re on summer vacation. However, there is an option to have a 12-month pay cycle where teachers are paid all year long.
Alternatively, some teachers choose to have a 10-month pay cycle where they only receive paychecks during school hours. This can be difficult because budgeting is hard when you’re only getting paid during certain times of the year. You’ll likely spend more money than you make during those eight weeks of summer vacation!
The 12-month pay structure is an option for any teacher that wants to collect their salary all year long. It is important to note that this alternative might come with less money per month, but it spreads out the income evenly throughout the year. Teachers should schedule their pay dates around the year so they make a consistent amount of money throughout – more on that shortly.
Teachers need to be careful when structuring their pay dates during the summer because they’ll likely spend more in that time period. It is important to understand how your pay is structured so you can plan accordingly.
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How many weeks do teachers get off?
Teachers in the United States typically get a total of around 13 weeks off over the course of the entire school year. The summer break is typically six to eight weeks long, and most teachers use their winter break and spring break to take some time off as well.
What do teachers do during the summer?
During the summer, teachers have a lot of time on their hands compared to the school year. They can take up new hobbies or just relax and enjoy the break!
Teachers often take a summer break to do things they enjoy. They might go traveling, spend time with their family and friends, or just relax by the pool.
Find 17 more ideas on what teachers do in the summer.
What do teachers do in the summer for money?
Teachers typically either work in the summer or take a break without working.
Depending on their profession and geographical location, some teachers will find jobs during the summer while others will not. Some may also teach for a summer school or choose from one of the ideas below.
What are some ways to maximize income during the summer months?
There are a few different ways to make the most of your income during the summer months.
First of all, many teachers find that this is the best time to enjoy a getaway from the school system. They want to have their downtime, decompress, and relax.
Financially speaking, you must be prepared with your budget to make the most of your paychecks.
Plan ahead
Depending on how you opt to get paid during the summers is important. If you choose the larger paychecks over 10 months, then you need a plan for money when your checks stop for the break. If you keep your pay consistent throughout the year, then you may want to work on cutting back on certain expenses since you have more time over the summer.
Teachers can have the same schedule as their children. This gives them a chance to spend more time with them and see them in a different environment than at school.
Many times, teachers are not going to complain about a summer schedule that has flexibility and is similar to those of their kids. They know that they need to arrange ahead and structure their schedule correctly in order to take advantage of the time they have outside of work.
Most teachers put in a lot of hours, but it’s worth what they get out of it because they enjoy teaching and being with children.
Have a money saving goal in place
This is especially true if you do not receive paychecks during the summer. You need to have money saved up to cover any summer expenses.
A great idea is to create a summer savings account to accrue funds for when school breaks for the session. This choice allows teachers to save money that will be automatically deducted from their checks throughout the year and deposited into a different account, which will earn interest.
In order to make this work, it is important that teachers choose banks that are not convenient and do not offer online access as the temptation may be too great and cause unwanted withdrawals from the fund.
Understand your work life balance
Teachers work long hours throughout the week. The statistics vary on exactly how many hours. However, there is a consensus the number of hours has increased since 2020 (source).
For a teacher, their working hours include school-related activities like conferences and staff meetings, which can include teaching extracurricular programs like club soccer or lesson planning for new teachers. Oh, and don’t forget their main focus is to teach our children.
While it is important to maximize income during the summer months, it is also important to find a job that does not require so much time and energy. A summer job can be more of a lifestyle choice than just an employment opportunity. A summer job can be physically draining and require you to work long hours and to live with the same mindset year-round. Some jobs are easier during the school year due to shorter days, fewer students, or less paperwork.
For others, their time freedom is more important than living on a tight budget.
How can teachers make extra money during the summer?
Teaching jobs are plentiful during the summer months when kids are home from school.
Also, this may be a great time to invest in furthering your education, garner new skills to change industries, or start a side hustle.
Many teachers take on a side job during the summer to make some extra money. This is especially true for newer teachers looking to pay off student loan debt. The most common option is to become a private tutor, but there are plenty of other ideas.
There are many different ways for teachers to make extra cash during the summer. So, let’s get you some extra cash ideas!
Idea #1 – Get paid to tutor students over the summer
Private tutors are the most common side job for teachers. If you’re already a great teacher, you’ll have no trouble getting referrals and growing those classes.
You can also look into online tutoring, which has exploded in popularity recently. Tutoring is a flexible summer job for teachers who want to keep their skills sharp.
Here are some places you can find work as a teacher: Skooli, TutorMe, Aim-for-A Tutoring, and more.
You could make up to $50 an hour tutoring students. There are also plenty of summer job opportunities for teachers who want to stay connected with their students during the summer.
Tutoring is a great way to make extra money for teachers year-round.
Idea #2 – Take on a part-time job
If you’re looking for ways to make extra cash during the summer, consider taking on a part-time job. There are many opportunities available, and the pay is usually good.
As an example, a teacher who has been teaching for 14 years, every summer he takes on an additional job to make up for the low pay he receives during the school year. He has money taken out of his summer pay every week to supplement it during the school year months.
There are many opportunities in retail, restaurants, construction, and other fields. There is a great need for part-time people making wages over $17 an hour.
Idea #3 – Teach summer classes
Another popular option for teachers who want to make extra money is teaching summer classes.
Many parents are worried about their kids losing previously learned information and practice the entire summer to improve retention rates. In addition, many school districts offer summer classes to help students retain information.
Check with your local school district to see options.
Idea #4 – Search for seasonal work
As the school year comes to a close, many teachers are looking for ways to make money during the summer. Fortunately, there are a number of options available with seasonal jobs starting to come available. In addition, many are outdoors and you can enjoy the sun and some fresh air!
Teachers can also look into manual labor-type jobs or summer camps for income in the summertime.
Most of these types of jobs start hiring during the slow winter months. So, make sure to apply early and have something set up before the school term ends.
This is great for someone who wants an early morning job!
Idea # 5 – Professional Development
The concept of being willing to learn is important for teachers. It’s one reason why taking on professional development courses during the summer can be so valuable. Working through professional development courses during the summer can also give you an edge when it comes time to look for a new teaching job.
However, this is how you earn a higher salary year-round.
Teachers can increase their earnings by holding a master’s or doctoral degree. Some states pay teachers with master’s and doctoral degrees higher wages than others. This is how you increase your hourly wage.
Idea #6 – Sell Lesson Plans
Yep, this one is becoming even more and more popular!
Why should you let all of your great lesson plans just sit aside during the summer? Start hustling and sell your lesson plans for the cash.
Etsy is a great place to start.
Idea #7 – Start a Side Hustle
What is a side hustle? It’s something that you can do to supplement or replace the income from your main job, like running an eBay shop during the summer when you’re not teaching. Or even your own blog?
Think about the hobbies you enjoy and see if you can make money by doing something you enjoy. That is a great place to start!
Here are great ways to make money on the side:
It is possible to make more money on your business than you make more money in your current job or career.
Idea # 8 – Learn to Make Money From Stocks
If you’re interested in learning how to trade stocks, this is the perfect place to start.
One former assistant principal, Teri Ijeoma, changed her life when she left her job as an educator and become an active trader.
What is a day trader or swing trader? It’s someone who trades stocks on the stock market but knows when to get out.
You can also make money as a swing trader by taking advantage of fluctuations in stocks. For example, you can make money as a swing trader by buying stocks at the low point and selling them at the high point.
If you are interested in swing trading stocks, you must get an investing education. Most of my fellow traders are former teachers after taking the Trade and Travel investing course.
Idea #9 – Work at a Summer Camp or other Child Care Jobs
There are many ways for teachers to make extra money during the summer and have fun by working as camp counselors.
There are also many child-related jobs that need great employees when kids are home from school due to summer break. Some parents will keep their children busy throughout the summer, but others are worried about what they have learned in school and may soon forget.
Also, many families are looking for nannies while their children are out of school. Parents want teachers to play a role in helping them with school retention throughout the summer, and not be behind in August or September.
Most of these jobs will pay higher because they prefer a licensed teacher.
Idea #10 – Offer to give people rides or any personal assistant help
You can make money by giving people rides in your car. For example, you could offer to pick up strangers at the airport and take them to their hotel or host a taxi service.
You could be a personal assistant and help with chores or errands around the house.
People are always looking to outsource things and you could easily make some extra side money.
This is a good list of ideas for teachers to make money during the summer.
What are some tips for budgeting during the summer months?
Summertime is a great opportunity to relax and take a break from work, but it can also be a time to save money and prepare for the next school year. Many educators receive a paycheck during the school year but don’t have regular income over the summer. This makes it important to budget throughout the year, so you can have enough money saved up when school starts again.
Budgeting can be a stressful process.
However, budgeting should not be about cutting corners or reducing spending, but rather about creating financial freedom for the long term. The tips in this article are actionable and will help attain financial independence for the future.
Some tips for budgeting during the summer months include setting a budget for the summer months, creating a savings goal, and cutting back on expenses.
It is important to remember that many people are traveling and spending money during the summer months, so it’s important to be smart with your budgeting decisions. By following these tips, you can make sure that you have enough money saved up when school starts again!
Tip #1 – Create a budget for the summer months
Budgeting during the summer months can be difficult for those without consistent pay. However, it is possible to do with some creativity and planning. Here are a few tips:
Create a budget for $500 less a month than your paycheck. This may seem challenging, but it is possible if you make cuts in specific areas.
Save that $500 for your current saving goals.
Look at expenses that you don’t care to spend money on and cut them out.
House hack your vacation spots by house-sitting for someone else!
Be more realistic about how much you spend during the summer.
Make sure you are reaching your long-term goals.
Budgeting can be made easier with the help of planning ahead and keeping a buffer of money available.
Tip #2 – Save money during your summer break
There are many ways to save money during your summer break.
Saving money can be difficult, especially during the summer when you may have more free time.
It is important to organize your finances and set a budget before spending so that you are not surprised.
It is important to allocate the money saved into long-term goals or savings accounts so that you can reach them one day!
You can start by taking advantage of many of our popular money saving challenges:
Tip #3 – Find Ways to Make Extra Cash
There are many different ways to make extra cash during the summer months. In fact, we detailed many options above.
This is the perfect time to make extra money. As we outlined already, many teachers are severely underpaid for the work and dedication they put in. So, you might as well find a way to make extra money now and then get back to what you love during the winter months.
Many teachers find other ways to make extra money during the summer. Some work in summer school, while others take on private students. Still, others find work in professional development courses. Whatever route you decide to take, be sure to keep learning and growing as a teacher. That’s the best way to maintain your edge in the competitive job market.
Tip #4 – Find free fun!
Another tip is to make a list of summer activities that are affordable and fun.
Here is a little secret… you do not need to spend a fortune in order to have fun. In fact, there are plenty of things to do with no money!
Stretch your budget by picking a few higher ticket items and supplement the rest with free fun!
How do you spend summer break?
Most teachers would agree that the summer break is necessary to avoid burnout during the first six weeks of school. The summer break also gives students and teachers a chance to recharge their batteries and start the new school year fresh.
The teachers I know usually spend their summer break going on trips with my family and friends or relaxing at home. As well as catching up on home projects or reading books and watching movies during free time.
With Your Teacher Pay Structure, What are Your Next Steps?
There are a lot of different ways to spend summer break! Some people choose to travel, others stay home and relax. Still, others take on summer jobs for teachers or side hustles to make some extra money.
And then there are the teachers – they often use their summer break to catch up on work or prepare for the upcoming school year.
No matter how you choose to spend your summer break, it’s important to enjoy it! Take some time to relax and recharge, but also make sure to stay productive and get things done.
That way, you’ll be ready for whatever comes your way when fall arrives.
Know someone else that needs this, too? Then, please share!!
Editor’s note: TPG’s Erica Silverstein accepted a free trip from Oceania Cruises to attend the unveiling of Vista. The opinions expressed below are entirely hers and weren’t subject to review by the line.
“Is this a luxury cruise ship?” That was the question on everyone’s lips during the maiden sailing of Oceania Cruises’ Vista, the first new Allura-class vessel to debut for the upscale cruise brand.
We gawked at the beautifully designed public spaces, with their detail-oriented accents, eye-catching light fixtures and highly textured materials. (Yes, I petted the walls of the elevators and stroked every chair.) We luxuriated in enormous standard cabin bathrooms and sumptuous Tranquility Beds. We dined on exquisite freshly made pasta, perfectly cooked fish and decadent desserts. We ordered smoked, bubbled, herbed and ice-balled cocktails at the ship’s craft cocktail bar and took photos of each creative concoction.
Vista is clearly a ship for travelers who love to explore new destinations, prioritize fine dining and premium beverages and immerse themselves in chic surroundings. However, in the cruise space, this ship is clearly in the upscale category and not true luxury.
Then again, when you’re curled up on a circular day bed, drink in hand, on a resort-style pool deck in the Mediterranean, Vista might just provide all the luxury you need.
Overview of Vista
Vista debuted in May 2023, the first new ship for Oceania Cruises in a decade and the flagship of the line’s new Allura class. It carries 1,200 passengers in cabins and suites that all have either a true balcony or a French veranda (meaning you can open doors to the fresh air but can’t step outside).
The ship’s target demographic is well-off, mature couples who are looking for destination-focused itineraries on a ship with elevated dining. For a small, 67,000-ton ship, Vista wows with eight restaurants, plus a bakery and private dining rooms for wine-paired meals. It also stands out for its expanded Culinary Center, for cooking classes and demos, and Artist Loft, where passengers can get crafty under the tutelage of resident artists.
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Fans of the line will appreciate that Vista is modeled from sister ships Marina and Riviera, and the layout is strikingly similar.
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Vista is not an all-inclusive ship, but it’s more inclusive than lines such as Celebrity Cruises or Holland America. Its fares cover all dining (except for private, wine-paired dinners), fitness classes, nonalcoholic beverages and in-port shuttles. Its booking promotions may offer additional inclusions, like free Wi-Fi, airfare, excursions, beverage package or shipboard credit.
What I loved about Vista
Dining choice
Some people love to return again and again to their favorite restaurants; others prefer to try a new venue every time. I fall into the latter category, so I loved that I could eat at a different restaurant each night of my cruise on Vista.
I could get dolled up and go to a steakhouse or Italian restaurant, or I could play it casual and eat on the buffet’s outdoor terrace or at the pizzeria. I could enjoy a multi-course sit-down lunch or take my pick of eight burgers at the grill. Vista also had plenty of options for between-meal grazing – a quiche from the Bakery, a scone at Horizons’ afternoon tea, or a cookie from the Concierge Lounge.
Not only did Vista’s large selection of eateries keep my meals interesting, but there wasn’t a bad option in the bunch. Sure, sometimes I didn’t order the right dish, but I enjoyed every meal I ate on board.
Design
Vista will wow you with its gorgeous looks from the moment you step on board. The atrium gives a knockout first impression with its stunning floor-to-ceiling sculpture with a changing light display.
The bold center archway of the Grand Dining Room will immediately catch your eye, as will the ceiling design of the intimate Privee dining room. Each specialty restaurant has been designed with care, from the brick oven-inspired ceilings of Ember to the pagoda-style floor lamps in Red Ginger.
The noteworthy Grand Lounge sports geometric chandeliers and glass shelves of vases and glass sculptures, while the faux wood paneling on the pool deck sets it apart from any cruise ship Lido you’ve ever seen. The glam settings make you feel like you’re a movie star and add to the decadent feeling of being on vacation.
Cocktails and mixology program
The new mixology program on Vista is one of its standout features. I happily ordered cocktail after craft cocktail at the Founders Bar in the name of research, trying drinks with smoke bubbles on top, frozen fruit balls in their center and unique ingredients (like tea) in their centers. The concept turns your standard pre-dinner drink into a playful and exciting event. It also makes a ship carrying mainly retirees feel hip and trendy.
Vista also carries a line of nonalcoholic “liquors” to make zero-proof cocktails that taste like the real deal, as well as nonalcoholic beer. It’s a fabulous option for sober cruisers or travelers who need to rest their livers after a lively evening. Unfortunately, not all bars carry nonalcoholic cocktails. On my cruise, I found them on the menu at the new Aquamar restaurant and Horizons observation lounge.
What I didn’t love about Vista
Nightlife
I failed to find anything serious to critique about Vista, so what I didn’t love about the ship is more about my personality than any real failing of the cruise line.
Evenings on Vista do not offer a variety of pursuits. You can go to a bar, with or without music. You can try your luck at the casino. You can attend the one show each evening, but only if your dinner time allows for it. That’s pretty much it.
My cruise did not offer karaoke night, evening trivia and games, or a pool deck party. I missed the two special-guest acts, a pianist and a guitarist, and the song-and-dance performances by the onboard cast failed to impress. The ship didn’t offer any secondary shows at night — no comedians or musical acts you came to listen to and not talk over.
To be fair, small-ship upscale cruising isn’t about nightlife, and most travelers on Oceania are perfectly content with a long dinner, an evening dancing or drinking in Horizons and an early bedtime. The library does have some board games you can borrow, so consider that as an alternative activity.
Service
One should never judge a ship’s service based on its first sailings when the crew is still getting used to each other and the layout and procedures of a new ship. I mention service solely to answer the question of why Vista isn’t considered a luxury ship.
In terms of hardware, Vista is one fine ship, which rivals the vessels belonging to luxury lines like Silversea Cruises and Seabourn, even nipping at the heels of over-the-top sister line Regent Seven Seas Cruises. It’s in the “software,” so to speak, where the line relegates itself to the upscale sector. And that’s fine.
In addition to not offering truly all-inclusive fares, Vista doesn’t offer the personal, often fawning service you find on true luxury lines. I barely met my room steward. No one offered to carry my plate at the buffet. The chefs weren’t offering to make me dishes off-menu, and on occasion, I had to work to flag down a waiter to bring me a drink. Personally, I’m fine with this level of service, but it does not put Vista in competition with ultra-luxury ships.
The few service issues will improve over time. But Vista, by nature, will never offer the crew-to-guest ratio or over-the-top service levels you’d expect to find on a more expensive cruise line.
Vista cabins and suites
Vista has only eight major cabin and suite types, making cabin selection a relatively straightforward process. Its three main non-suite cabin types – French Veranda, Veranda and Concierge Level staterooms – have identical interior layouts, so you’re really only choosing between perks and exterior space.
New and noteworthy on Vista are Oceania’s first dedicated solo cabins, 270-square-foot balcony cabins with a twin bed, smaller bathroom and slightly narrower design than a regular veranda room. They’re Concierge Level rooms, so solo travelers get extra benefits, such as access to the Concierge Lounge and Aquamar Spa Terrace.
My cabin was a regular Concierge Level room with a private veranda. At 291 square feet, it was the same size as a Veranda room, but with a slightly nicer interior design. (French Veranda rooms are identical to Veranda rooms in design, but where the Veranda cabins have a private balcony, French Veranda rooms have floor-to-ceiling glass doors that open to a railing; you can get fresh air but you can’t step out.)
I was very happy in my Concierge Level room on Vista. Oceania’s Tranquility Beds are some of the best in the business, and I loved falling asleep between a snuggly duvet and 1,000-thread-count sheets. Even better, the bed is flanked by three-drawer nightstands, 100V plugs and USB ports and reading lights.
Storage is decent with a two-door closet, two deep drawers in the desk, two coat hooks on the wall and a few additional shelves. It was the perfect amount of space for me, but I could see how a couple might fight over the drawer space.
The room had a mostly forgettable love seat, other than it looked nice and pulled out into an extra bed. The oval marble table was a perfect size for room service breakfast.
The highlight of the room, in my opinion, was the spacious, marble-tiled bathroom. Here, there was storage in spades: two glass shelves in the large shower, one large drawer and shelf space in the vanity and a corner unit with four deep drawers and three shelves in a mirrored cabinet. The shower had a rain head and a wand on an adjustable mount. The large no-fog mirror lit up at the touch of a button, perfect for putting on makeup.
I also appreciated the comfortable, padded balcony furniture. Standard balconies on Vista come with two upright chairs and a round drinks table, but the cushions made the seating comfier than the mesh-and-metal versions you find on many big-ship cruise lines.
Other thoughtful touches in the room include an electronic thermometer and do not disturb sign touchpad, quiet-close drawers, wooden hangers and carafes of Vero water, plus reusable water bottles to take on tour (to reduce single-use plastic water bottles). The mini fridge was stocked with soft drinks, though my cabin attendant didn’t seem to notice that I was drinking exclusively club soda. You’ll also find the requisite safe and hair dryer (neither of which I used), an umbrella and a shoehorn.
Concierge Level rooms come with extra perks, most of which are useful but not necessary. You get access to the lovely Aquamar Spa Terrace, with its hot tubs, day beds and thalassotherapy pool. You also get access to the Concierge Lounge on Deck 9; I don’t know why you’d want to watch TV in this windowless lounge, but I appreciated the 24/7 drinks and snacks and access to a concierge.
Other amenities include a welcome bottle of Champagne, pashmina-style cashmere lap blankets for use in your cabin and a tote bag. Perks include priority embarkation, lunch and dinner room service from the Grand Dining Room menu (I totally missed this one), priority specialty restaurant reservations, and complimentary laundry (up to three bags), pressing (on embarkation day) and shoeshine service.
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Penthouse Suite on Vista. ERICA SILVERSTEIN/THE POINTS GUY
For those with an urge to splurge, Oceania has four additional suite categories, each with butler service and access to an Executive Lounge. The Penthouse Suites are simply an expanded version of the balcony rooms, with additional closet and seating areas. The Oceania Suites have a full living and dining room, a separate guest or TV room, large balcony, guest bathroom and marble-clad master bath and dressing area. They are mostly found on Deck 12, but two on Deck 11 aft have wraparound corner balconies.
The eight Vista Suites, which I didn’t see, are even bigger than the Oceania Suites and located at the front of the ship, so they have extra-long wraparound balconies. The three Owner’s Suites span the entire aft width of the ship, with two balconies, and are designed by Ralph Lauren Home. A light-filled grand foyer opens onto the living, dining and bar area on one side and the enormous master bedroom with king-sized bed, walk-in closet and generous bathroom with soaking tub and ocean-view shower.
Vista restaurants and bars
Oceania prides itself on being a foodie cruise line, and Vista carries on the line’s tradition with six major dining venues included in the cruise fare, over-the-top extra-fee wine-paired private dinners and a new mixology program that goes above and beyond what its competitors are offering.
It’s hard not to nitpick a line that brags it has “the finest cuisine at sea” (and has even trademarked that tagline). Each meal may not be the best you’ve ever had on a cruise ship, but each meal you have will be solid, with plenty of choice of both where to dine and what to select from the menu. Vista is certainly a ship foodies will appreciate.
Restaurants
I made a point to try every restaurant on board during my weeklong cruise, and it actually took some scheduling to make it happen. It’s a good thing most of Vista’s sailings are 10 days or longer, so you have ample time to sample all the dining venues and even make repeat visits to your favorites.
You are allowed to make at least one advance reservation for each of Vista’s four specialty restaurants — possibly more depending on the length of the cruise and the type of cabin or suite you book. Once on board, you can ask if there’s walk-in availability for additional meals.
The Grand Dining Room is perhaps the most gorgeous main restaurant I’ve ever seen on a cruise ship. The design, with white archways in the center of the room, is also functional; it separates the giant venue into nooks, so it doesn’t have that hotel ballroom feel.
At breakfast, you can order everything from grilled lamb chops and broiled kippers to omelets, pancakes and lighter fare, such as yogurt parfaits. The highlight of the lunch menu is the “Taste of the World” sampler platter themed around a different country each day.
The dinner menu makes three suggestions for themed meals: selections from Jacques Pepin’s namesake French restaurant on Vista’s sister ships, global cuisine and Aquamar Vitality cuisine (ie lighter dishes). Don’t miss the creative Humphry Slocombe ice cream for dessert, with flavors like Elvis the Fat Years and Harvey Milk & Honey Graham.
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Terrace Cafe on Oceania’s Vista. ERICA SILVERSTEIN/THE POINTS GUY
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The Terrace Café is Vista’s buffet venue with indoor and outdoor seating. The stunning wall mosaics set the tone for the sophisticated spread you can sample here. Think daily sushi, an array of fine cheeses, made-to-order omelets, pasta and steaks and premium ice cream (including one Humphry Slocombe flavor at lunch and dinner). The vegetarian options weren’t always the best at the Terrace Café, though it often had gluten-free pasta.
On either side of the Terrace Café are several new and returning casual dining venues that should not be overlooked.
Waves Grill has always been one of my favorite grill venues at sea. Midday, it serves sandwiches, hot dogs, grilled entrees (mahi mahi, cajun chicken) and a huge selection of burgers, including Wagyu, veggie and salmon, in addition to the classic cheeseburger.
In the morning, it offers a downsized breakfast buffet with made-to-order omelets. At night, it transforms into a pizzeria with Italian-style pizza, a burrata menu (do not miss the burrata and tartufo dish) and a sinful Nutella pizza dessert. Pro tip: You can place an order at Waves and ask for your dish to be delivered to your table at the Terrace Café, so you don’t have to choose between the options.
Past Oceania cruisers might wonder where Waves’ famous smoothies and power bowls got to. The answer is Vista’s new “healthy” dining venue, Aquamar, set up on the opposite side of the Terrace Café from the Waves Grill.
In the morning, don’t miss Aquamar’s selection of avocado toast or its freshly made juices, unusual lattes and smoothies. (You haven’t lived until you’ve spiked your morning OJ with turmeric and cayenne pepper.) Energy bowls, banana pancakes and omelets round out the breakfast menu.
The lunch menu at Aquamar is vast. You can order poke-style bowls or compose your own, do a breakfast repeat with omelets and avocado toast, or order sandwiches from around the world, including tuna tacos, falafel pita, a Mexican chicken wrap or an Impossible burger. Wash it all down with a nonalcoholic cocktail that will have you convinced you’re drinking the real thing.
All the previously mentioned restaurants allow you to dine at will, but Vista has four reservations-required dinner spots that are the stars of the show. Three return from sister ships Marina and Riviera, while one is new, replacing French restaurant Jacques.
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Ember restaurant on Oceania’s Vista. ERICA SILVERSTEIN/THE POINTS GUY
The new entrant to Oceania’s food scene is Ember, serving inventive American fare. Though the venue is one of Vista’s signature restaurants, it has a more casual vibe than the others, and meals here don’t take quite as long. Consensus on my sailing is the standout dishes are the spinach and artichoke dip, lobster mac and cheese (with an actual hunk of lobster-in-the-shell on top) and the triple chocolate brownie sundae.
On the opposite end of the spectrum is Polo Grill, Vista’s fanciest restaurant, where dinners can take hours. It’s a classic steakhouse in a dimly lit setting with an enormous menu where protein is the star.
While it was perhaps not my favorite dining venue on board, the salmon I ordered was cooked perfectly, so moist and tender that I raved about it for the rest of the cruise. Folks at my table ordered everything from filet mignon to a whole Maine lobster, and everyone was satisfied with their choices.
Also, you may be understandably tempted to order the Polo Quartet of four desserts to finish your meal. I will save you the trouble by telling you the key lime pie is hands down the best of the bunch, and you should order the full-size version and skip the tasting plate.
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Polo Grill on Oceania’s Vista. ERICA SILVERSTEIN/THE POINTS GUY
Toscana is Oceania’s long-standing Italian restaurant, but on Vista, it’s newly enhanced with dishes created by the ship’s godmother, Italian food star Giada De Laurentiis. If you enjoy veal, this is your spot; nearly half of the secondi menu consists of veal dishes (you can also order lamb and roast suckling pig here). I tried Giada’s branzino and wasn’t wowed.
Whatever you order, make sure to order at least one pasta dish with Toscana’s incredible ship-made pasta. You can’t go wrong with Giada’s lemon spaghetti or the pesto gnocchi. If you need to skip dessert at one specialty restaurant, this is where I’d pass … unless you are a die-hard tiramisu fan.
The final specialty restaurant is Red Ginger, a pan-Asian dining experience. Perhaps it’s because I love Asian food, but I have a hard time choosing what to eat at Red Ginger because everything looks so good. You could make a meal on appetizers alone.
To start, try the sushi, duck and watermelon salad or summer rolls. For your main, consider the miso-glazed sea bass, lobster pad thai, bulgogi ribeye steak or red curry chicken. You might think dessert is a non-starter, but the caramel tapioca was tasty, and the soft ice cream with Japanese togarashi is a fun mix of sweet and spicy.
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Red Ginger on Oceania’s Vista. ERICA SILVERSTEIN/THE POINTS GUY
Vista also offers multiple options for intimate or private wine-pairing lunches and dinners on board. They include a wine-pairing lunch at Ember and wine-themed dinners in private dining rooms attached to Toscana and Polo Grill. Hidden between those two restaurants is Privee, another intimate dining room where two special dinners are held: Odyssey (described as a “gustatory journey for the senses”) and the Dom Perignon Experience that pairs special Champagnes with equally special dishes.
But the food options don’t end with the restaurants. The Bakery by Baristas was a popular spot for daily beignets, quiches and pastries. Afternoon tea in Horizons is an Oceania specialty, with your choice of Twinings tea, scones with jam and clotted cream, tea sandwiches and cakes and petits fours all wheeled around in glass carts by formally dressed waiters.
Bars
Vista’s bars are hopping before and after dinner because there’s not much else to do on board at night.
The Martini Bar is the most happening lounge, located near the Grand Dining Room, several specialty restaurants and the casino. A pianist performs here on and off throughout the evening. You can find all your standard mixed drinks here, as well as a special martini menu. At peak times, you might not be able to find a seat.
On the other side of the casino is the Founders Bar, a new concept for Oceania, dedicated to creative craft cocktails. If you like your drinks topped with smoke bubbles, frozen balls of fruit or sprigs of herb or dried fruit slices, this is your spot. Seating is limited, but you can request your drink be delivered around the corner to the Grand Lounge, a stunning scenery area where a classical string quartet plays in the evening.
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Founder Bars on Oceania’s Vista. ERICA SILVERSTEIN/THE POINTS GUY
Be careful — it’s so fun trying out all the crazy concoctions that you might bust your drink budget if you haven’t upgraded to the premium beverage package.
Horizons is the observation lounge at the top of the ship, looking forward. We heard rave reviews of the live band here and some choice words about the resident DJ, but if you want to watch the sunset or get your groove on after deck, Horizons is the bar for you.
Baristas is the coffee bar by day and aperitif bar by night. Get your daytime caffeine fix with Illy espresso, macchiatos, cremas and more, including coffees spiked with booze. After 6 p.m., you’ll find an Italian-influenced list of aperitifs and digestifs (amaretto, Campari, limoncello), as well as wines and cocktails (such as an Aperol spritz or negroni).
The pool bar serves all the daiquiris and coladas you can drink while lounging on Vista’s gorgeous, resort-style pool deck. You can also order drinks at any of the restaurants. Aquamar has a lovely menu of nonalcoholic cocktails, fresh juices, lattes and smoothies.
Vista is also introducing new immersive cocktail experiences for the cruise line, which unfortunately had not yet debuted on my sailing. These will include a customizable Bubbly Bar in Baristas, a Bloody Mary Bar at lunch in the Terrace Café, a Macallan whisky and chocolate pairing, and cocktail-making seminars pairing Brugal 1888 rum with ice cream or tea.
Vista activities and shows
An Oceania cruise is a destination-focused trip, so onboard activities are kept to a minimum. You’ll find trivia contests, spa seminars, casino tournaments and technology classes at the LYNC Digital Center, such as travel photography and photo editing for social media.
Where Oceania excels in onboard activities are with cooking classes and demos in the Culinary Center and art classes at the Artist Loft. Oceania brings on real chefs and working artists to lead the workshops. Sign up as soon as you get on board because these popular classes fill up quickly.
I tried a “drip technique” painting class where we decorated glass plates, and it was a far cry from the watercolor or needlepoint classes you might find on other ships. The two-part class explored a unique technique, and even though I’m not experienced in crafting and my plate looked pretty bad after the first class, the artist knew what he was doing, and my final product was surprisingly good. It’s also a fun way to socialize with other passengers and the artists in residence.
Vista’s culinary center is three times larger than the versions found on sister ships Marina and Riviera. In addition to the test kitchen with 24 individual cooking stations, a second room can be arranged for lectures or even dinners. Classes are themed, often related to the ship’s destination, and yes, you can eat what you cook. They do cost extra; fees start at $79.
On a warm, sunny day, Oceania’s gorgeous resort-style pool deck is the place to be with padded loungers and day beds, a main pool with a wading area around it and a couple of hot tubs. Sporty types should head to the ship’s topmost half decks for an outdoor running track, shuffleboard, croquet/bocce, pickleball, mini-golf and a golf-driving cage.
The Aquamar Spa on Deck 15 offers a barber shop, salon, fitness center with aerobics studio and sauna and steam rooms in the men’s and women’s locker rooms. Concierge Level and suite guests receive complimentary access to the Aquamar Spa Terrace at the front of the ship, with two hot tubs and a thalassotherapy pool.
If it’s cool and rainy, consider decamping to the nook- and book-filled library, where you can borrow games, settle in with your laptop or peruse guidebooks. Baristas is right around the corner. The ship also has the requisite shops selling fine jewelry and logo items.
In the evenings, you can find a singer-pianist in Martinis, a string quartet in the Grand Lounge and a band followed by a DJ in Horizons. I heard great things about Vista’s Music Station Band, but somehow I was always eating dinner when they were performing.
Each night, there’s a show in the Vista Lounge, either a guest performer or a typical cruise ship song and dance show by the onboard performers. One of the new shows on Vista was choreographed by Britt Stewart, a professional dancer who’s worked with “Dancing with the Stars.”
Vista itineraries and pricing
Vista will spend its summers in the Mediterranean and winters in the Caribbean. In fall 2023, the ship will also visit Canada and New England and transit the Panama Canal twice. Cruises range in length from seven to 90 days, but most are one to three weeks in length.
Cruise-only prices start from $1,799 for a French Veranda cabin or $2,049 for the lowest-category balcony room on a seven-night Caribbean cruise. Alternatively, you can choose Oceania’s more inclusive and expensive OLife fares; these start from $2,599 for the French Veranda cabin or $2,849 for a regular balcony room.
The current OLife promotion runs through June 30 and includes round-trip airfare and transfers, plus your choice of four shore excursions, a beverage package or $400 onboard credit per cabin. Starting in July, the line will offer a set of included perks, without the need to choose, but the actual inclusions may change during promotional periods.
What to know before you go
Required documents
The travel documents you need for your Vista cruise are determined by your itinerary and homeports. For most cruises, you will need a passport that is valid for six months after your trip ends. For round-trip sailings out of U.S. homeports, a birth certificate and government photo ID will suffice. It’s up to each passenger to determine if any of the ports of call require additional visas.
When you finish checking in online for your cruise, Oceania will email you a boarding pass that you should print out and bring with you to the terminal.
Gratuities
Crew gratuities are added to your onboard bill and amount to $18 per person, per day, in Concierge-class rooms and below, or $23 per person, per day, in upper-level suites. Gratuities can be prepaid. You are always welcome to tip above the auto-gratuity for exceptional service. All tour guides should be tipped in cash at the end of a tour.
A 20% gratuity is added to onboard bar and spa bills.
Wi-Fi
Vista is one of the first Oceania cruise ships to use Starlink high-speed internet. I can attest to the speed of Oceania’s premium plan after attending a 90-minute Zoom meeting with only the slightest of lag.
Every cabin comes with one free Wi-Fi login (for one device at a time), or you can pay to add additional devices or for the premium plan that accommodates music and video streaming.
Carry-on drinks policy
Passengers can bring up to six bottles of wine per cabin for consumption in their room. If you wish to drink your own wine in a restaurant or public area of the ship, you will need to pay a $25 per bottle corkage fee.
Smoking policy
Vista offers designated areas on the Deck 12 pool deck (forward, starboard corner) and in the smoking lounge on Deck 14 forward, outside Horizons. The latter is a gorgeous space with forest-green walls, but it is entirely indoors. This policy applies to e-cigarettes, pipes and cigars, in addition to regular cigarettes.
Smoking is forbidden everywhere else on board, including in cabins and on private balconies. Passengers who are caught in violation of the smoking policy will be disembarked at the next port of call and may also be required to pay additional fees to cover costs for cleaning or replacing damaged furniture or decking.
Laundry
Vista has complimentary self-service launderettes on decks 7, 8, 9, 10 and 11. Each is outfitted with a detergent dispenser, washers and dryers, an ironing board and a seating area with a TV if you choose to wait for your load to finish. You can walk away while your load runs, but set a timer because folks will remove your clothes if you don’t pick them up in a timely fashion.
Alternatively, you can pay to send out your clothes to have them washed and/or pressed.
Electrical outlets
Vista’s cabins and suites offer electrical outlets and USB ports on both sides of the bed and by the desk. You’ll find both U.S. 110V and European 220V outlets. Americans may want to bring an adapter for charging devices in public rooms where the outlets are all European-style.
Currency
The onboard currency is the U.S. dollar. The reception desk can change dollars for the local currency.
Drinking age
You must be 21+ to drink alcohol onboard all Oceania cruises. When the ship is in international waters, young adults ages 18 to 20 may purchase and drink beer or wine (as well as the House Select beverage package).
Dress code
Oceania does not have a complicated dress code with specific attire required on certain evenings. Instead, the line suggests “elegant casual resort wear” for evenings and requests that guests do not wear casual jeans, shorts, T-shirts, baseball caps, casual sandals or sneakers in the restaurants after 6 p.m.
For casual dining, choose the Pizzeria or Terrace Café for your evening meal. Shorts and baseball caps are allowed; athletic wear is not.
Elegant casual resort wear translates into date-night dresses (but not full-on cocktail attire), skirts and blouses or dressy pants and tops for women, and collared shirts and slacks for men. Jackets and ties are not required.
During the day, casual attire is fine, but please don’t wear swimwear, bathrobes or pajamas in public areas. You’ll need footwear if you leave the pool deck.
Bottom line
Vista is an elegant mid-size cruise ship that’s the perfect home base for travelers who appreciate dining variety, enjoy interesting cocktails and fine wines and wish to explore the Mediterranean and the Caribbean.
Cabins and suites are thoughtfully designed, though, for longer voyages, you might need to take advantage of onboard launderettes as cabin storage might be tight.
Vista offers a high-end experience on a beautifully designed ship, but you’ll have a choice in how you spend your vacation budget rather than paying upfront for all-inclusive fares.