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Looking for unique things to do in Baton Rouge, Louisiana? The capital city is full of vibrant culture, rich history, and exciting experiences that go beyond the typical tourist spots. From outdoor adventures along the Mississippi River to exploring local food joints and lively festivals, Baton Rouge has something for everyone. Whether you’re looking to move into a new apartment in Baton Rouge, or buy a new house in the city, or you’re planning your next visit, dive into the city’s unique blend of Southern charm and modern flair with these must-try activities.

“The strength of Baton Rouge lies in its ability to feel like a small town or a bustling metropolis, depending on what you need at the time. Few places in the United States properly walk this line the way Baton Rouge can. Whether it’s a Saturday night in Tiger Stadium, or a Wednesday get-together at Pizza Art Wine, Baton Rouge delivers!” – Bradley King, a Baton Rouge local and owner of Second Line Photography

Photo by Bradley King – Second Line Photography

1. Baton Rouge Gallery

“If you’re trying to find the cultural side of Baton Rouge, First Wednesday Openings at Baton Rouge Gallery (which are always free) or the monthly ARTiculate Artist Talks (also free) are a great way to get to know some of the best living artists Louisiana has to offer.” – Jason Andreasen, President/CEO

2. The Brakes Bar 

If you’re craving a cocktail experience that feels like stepping into another era, look no further than this hidden gem. “The Brakes Bar is tucked away in a vibrant urban setting, this speakeasy-style bar blends vintage charm with a funky twist. The atmosphere feels like a throwback to the 60s & 70s, with a modern edge that speaks to the city’s eclectic soul. The menu? A mixologist’s dream, featuring foraged botanicals and locally sourced ingredients that make every drink an adventure in itself. Whether you’re a cocktail connoisseur or just looking to sip something extraordinary, this spot delivers an unforgettable, uniquely urban escape.” – Kelly C. Culotta, Marketing Director – City Group Hospitality

3. Stop by Spoke & Hub for dinner

Right in front of The Brakes Bar is a southern dinner called Spoke & Hub. 

“Casual concept, our version of the Contemporary Southern Diner, offering Americana fare with a southern twist. Here, you can find large outdoor patios, a courtyard patio to relax after a bike ride, drinking beer and great cocktails, eating some of the great contemporary diner fare, and brunching. Great family atmosphere with an amazing dessert bar for the children and of course we will be pet-friendly for all of our furry friends. Brunch served all day every day.” – Danielle Hampton, General Manager – City Group Hospitality

4. Redstick Adventures Private Tours

A great way to truly experience a city is by taking tours led by locals who know it inside and out. Redstick Adventures Tours offers city, food, and ghost tours that are perfect for those looking to explore different sides of New Orleans.

“If you’re getting to know the city’s origins we suggest taking a trio of tours that we offer. First, the City Tour, highlighting some of the original architecture, neighborhoods and history that helped shape what Baton Rouge is today. For the more adventurous, try tasting your way through the unique cuisine of our historic cultures on our Food Tour. Or, if you’re attracted to the macabre, try your hand at ghost hunting and learning about our dark past on our Haunted Tour. These are the trifecta of tours a person should take to learn about Baton Rouge whether the person is new to the area or lived here all of his/her life they are sure to enjoy these new and different experiences and perspectives.” – Susan of Redstick Adventures Tours

5. French Truck Coffee

No trip is complete without stopping by a local coffee shop. It’s one of the best ways to experience a new city and embrace the local charm, and who doesn’t love a delicious, freshly brewed cup? 

“I recommend French Truck Coffee, located at the corner of Government St and Kenmore Ave. Grab your caffeine pick me up featuring freshly roasted coffee, and take a peek behind the scenes at the on-site roastery! They offer breakfast all day for those craving morning flavors anytime, as well as tasty lunch options to satisfy your midday hunger.” – Simone Reggie, Director of Sales & Marketing

6. Tend to your garden

Surrounding yourself with nature has countless benefits for both the mind and body. Whether you’re looking to cultivate a peaceful sanctuary or grow your own fresh produce, spending time in a local garden is one of the best unique things to do in Baton Rouge. 

“Being outdoors is one of the best things you can do for yourself,” says Kathleen Pourciau of This Thyme Gardens “If you’re interested in spending some time outside thriving with vegetables and flowers in your own nourishing garden, This Thyme Gardens provides garden consulting as well as design and installation of raised bed kitchen gardens in the Baton Rouge area.”

7. DIG Baton Rouge Restaurant Week

“If you visit Baton Rouge, come during DIG’s Restaurant Week! Each spring and summer, the bi-annual “Baton Rouge Restaurant Week” is an opportunity for restaurants in the area to come together and positively impact the community. This delicious event allows restaurants to showcase their outstanding cuisines, promote their fan favorites, and introduce specials to customers. Local chefs have the opportunity to offer a menu the average diner wouldn’t be able to try. What better way to experience Baton Rouge than with a week full of food?” – Emilee Calametti – DIG Magazine

8. Explore the Mid-City neighborhood

Mid City in Baton Rouge is a vibrant and diverse neighborhood known for its artsy vibe, historic homes, and local culture. It’s one of the most popular areas in the city, blending old charm with new energy. The area features a variety of locally-owned shops, galleries, and restaurants, making it a hub for creativity and small businesses. 

“I suggest everyone checks out Mid-City when visiting Baton Rouge. I love all the local shops that are an eclectic mix of arts, great food, live music, and shopping. I really love the Pink Elephant Antique Store. They have some great finds from the local area. Fluerty Girl has a store in Mid-City now with fun gifts that showcase humor from South Louisiana. There’s a lot to do!” – Natalie Wilson – Lily Magnolia Rose Photography

9. Ride a bike around the city

If you’re looking for a unique thing to do in Baton Rouge and an active and scenic way to explore the city, there’s no better way than by bike.This adventure offers a perfect mix of outdoor fun, fitness, and a chance to see the vibrant spirit of Baton Rouge up close.

 “A great way to get to know Baton Rouge is to get on a bike and ride from Downtown, down the levee bike path along River Road and the Mississippi River towards LSU.  Finish your journey by riding around the LSU Lakes. You might get lucky and get to experience tailgating on a Saturday before a LSU game.” –  Saskia Spanhoff – Cocha 

“I recommend riding bikes in the downtown area, going around the Capitol lakes and gardens, and then parking at the State Capitol, and going to the top! You can see Tiger Stadium and so much of Baton Rouge and the Mississippi from there! Then get dressed up and go to dinner at Tsunami – either downtown or the HIghland location! – Amber Elworth, Owner – Light House Coffee

10. Enjoy divine flavor at La Divina Italian Café

Visit locally owned La Divina Italian Café to sample flavors of gelato and sorbet for free! “If you enjoy live music, make sure to catch the Live local songwriters on Thursday nights at 6pm. On Fridays, “Original Music Group” features two original songs from the many local musicians who sign up to play. You are welcome to sign up to play your own music or simply enjoy and meet other locals.  La Divina Italian Cafe is open at 7am everyday with breakfast and the best espresso beverages in town!” – Mary of La Divina Italian Café

11. BREC Park Organization

Baton Rouge offers so many enriching experiences for people of all ages, especially for those seeking educational and fun activities. “As a homeschooling mom, some of my favorite highlights of Baton Rouge come from the amazing BREC park organization. The zoo, Knock Knock children’s museum and the USSKidd ship and science and arts museum are wonderful resources for our family. We also enjoy the many festivals and holiday parades year round. The Memorial Day flags at the state capitol are very meaningful to us.” – Meagan Stone Photography 

12. Go to a LSU tailgate and get some barbecue

Saturdays were made for tailgating in Death Valley. Rain or shine, LSU’s fans gather to celebrate their Tigers with a passion that rivals any team in the nation. You’ll hear “Geaux Tigers!” everywhere you turn on tailgate days. 

“As the Official Catering Partner of LSU Athletics, BRQ Seafood and BBQ is proud to fuel the game day excitement and make your tailgate an unforgettable one. Whether you’re a die-hard fan or simply looking for a fun-filled day, tailgating in Death Valley is an experience not to be missed.” – Charlie – BRQ Seafood and Barbeque

13. Join Live After 5 to live like the locals

Live After 5 is a vibrant celebration of culture and community in the heart of Baton Rouge, showcasing the city’s rich musical heritage and diverse local talents. This free outdoor concert series invites residents and visitors alike to unwind after a busy week, enjoy live performances, and savor delicious food from local vendors. With its lively atmosphere, Live After 5 encapsulates the spirit of Baton Rouge, fostering connections and creating cherished memories under the stars. It’s more than just music; it’s a testament to the city’s warmth and sense of belonging. – Audriane Williams, Owner of Young Chefs Academy Baton Rouge  

Baton Rouge is a city that offers far more than meets the eye, with a unique mix of history, culture, and outdoor activities that cater to every interest. Whether you’re exploring the city’s vibrant food scene, enjoying its scenic parks, or soaking in local traditions, there’s always something new and exciting to experience. So, the next time you’re in Baton Rouge, step off the beaten path and discover the hidden gems that make this city truly one-of-a-kind!

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Want to lower your mortgage rate without a traditional refinance? Look into a “mortgage rate modification,” which does just that.

Instead of having to contact lenders, fill out applications, and provide stacks of paperwork, you might be able to get payment relief by simply signing a modification agreement.

Aside from it being easier than a refinance, it could cut the processing time down from a month plus to just a week or so.

That means if you start the process early in the month, your very next mortgage payment could be lower.

While that all sounds great, there are some limitations you should be aware of, and like a refinance, fees are typically charged as well.

How a Mortgage Rate Modification Works

As the name suggests, a mortgage rate modification allows you to lower the interest rate on your existing home loan without going through the formal refinance process.

Instead, you are simply asked to fill out a modification agreement with your current loan information, including mortgage rate and loan product, along with desired loan program and current interest rate.

For example, if you currently hold a 30-year fixed-rate mortgage set at 7%, you’d enter that into the form and then select the type of loan you’d like going forward.

This could be another 30-year fixed, or perhaps a 15-year fixed or even an adjustable-rate mortgage if permitted.

Or it’s possible you hold an ARM loan and want to move into a fixed-rate product at the same time, removing future rate adjustment risk and snagging a lower rate in one move.

Typically, the lending institution would use the current advertised mortgage rate as the new interest loan on the loan.

So if credit union X is offering a rate of 5.875% on their rate sheet that day, you could obtain a rate more than a full percentage point lower using our example from above.

The loan would then be re-amortized using the new mortgage rate and remaining loan term to determine monthly payments.

While that would result in some nice monthly savings, and reduce your total interest expense, there is typically a fee.

How Much Does a Mortgage Rate Modification Cost?

As noted, this type of transaction isn’t free of charge. You will need to pay a fee, just as you would for a refinance.

The banks aren’t doing it out of the kindness of their hearts. So expect either a flat fee, such as $999, or a percentage fee based on the loan amount.

For example, you might be charged anywhere from 0.5% to 1% of the outstanding loan balance in exchange for the modification.

Doing the math, a $500,000 modification could cost anywhere from $2,500 to $5,000 to process.

That’s not a small number for many households and could in fact be cost-prohibitive, especially if you’re seeking payment relief.

However, there are sometimes caps on the fee that can be charged, so even if they charge a percentage, it might top out at say $2,000.

Conversely, there could have a minimum fee as well, so even if you have a small loan amount, you might be charged the minimum dollar amount.

Another consideration is closing costs typically can’t be rolled into the loan amount. So you’ll need to come up with the funds out-of-pocket to get the deal done.

Which Lenders Allow Mortgage Rate Modifications?

From what I’ve seen, mortgage rate modifications are most commonly offered by local credit unions and sometimes larger depository banks.

Both of these types of lending institutions hold mortgages in their own portfolios (as opposed to selling them off), which gives them more control over the process.

As such, these types of offers are less common with direct-to-consumer mortgage lenders and nonbank lenders, which often sell the loans they originate shortly after closing.

In other words, you might have better luck getting approved for this type of thing with a credit union or bank. But it doesn’t hurt to ask regardless.

Try reaching out to the loan servicer if the mortgage was sold, as the originator likely won’t be able to extend an offer.

Chances are they’ll try to guide you toward a mortgage refinance if they can’t or don’t offer a mortgage rate modification.

Mortgage Rate Modification vs. Mortgage Refinance

While both a rate modification and a mortgage refinance, namely a rate and term refinance, result in a lower interest rate, there are key differences.

Perhaps the biggest is that a traditional refinance tends to take a lot longer and is much more involved.

It includes a full-on loan application, verification of income, assets, and employment, a credit pull, and possibly a home appraisal as well.

Conversely, a rate modification might be as easy as filling out a form while skipping the document collection and appraisal.

In addition, you won’t have to worry about all the closing costs associated with a refinance, including title and escrow fees, lender fees (other than the modification fee), and so on.

However, a rate modification isn’t available on all types of loans, and may be limited to owner-occupied homes only.

There’s also a good chance you’ll only be able to qualify for one rate modification per year, and you might need to make a minimum number of payments before you’re eligible.

You’ll also need money to complete the modification, whereas it’s possible to apply for a no cost refinance where no money is required out-of-pocket.

Another limitation with rate modifications is you can’t pay discount points to get an even lower rate.

So you’ll just be able to get the market rate and nothing better, assuming you wanted to buy down your rate.

And lastly, a traditional refinance may allow you to skip a payment (or two), which can be beneficial to those who need some major payment relief.

Mortgage Rate Modification Pros and Cons

The Pros

  • You can lower your rate without refinancing
  • Obtain a cheaper monthly payment with the same loan term
  • Doesn’t reset the clock so you’ll stay on track paying down the loan
  • May be able to switch loan programs (ARM to fixed-rate loan)
  • Doesn’t require an appraisal or formal loan application
  • Process is typically very fast and relatively easy (2 weeks or less)
  • No closing costs other than the modification fee (which varies by bank/lender)

The Cons

  • You must pay a fee for the modification (either flat fee or % fee)
  • Can’t roll the fee into the loan amount (must pay out-of-pocket)
  • Rate improvement limited to market rate at time of application
  • May be limited to owner-occupied properties only
  • Might be limited to one modification annually
  • May require a minimum number of monthly payments before you’re eligible
  • No cash out allowed

Keep reading: How to lower your mortgage rate without refinancing.

Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Latest posts by Colin Robertson (see all)

Source: thetruthaboutmortgage.com

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Distance learning can offer students the flexibility to balance coursework with working, taking care of family, and other responsibilities. The cheapest online colleges can help you minimize student loan debt while working toward a degree and career advancement.

Online colleges offer degrees across a wide range of academic disciplines. In 2022, around 26% of college students were taking online classes exclusively.

This guide will explore online college costs, the least expensive online colleges, and strategies to pay for an online degree.

Overview of Online College Costs

Whether studying in-person or online, college costs typically include more than just tuition.

Students taking online classes may have to pay technology fees and purchase books and materials depending on their area of study. The cost of an online degree can also vary by institution and in-state vs. out-of-state residency.

Here’s a closer look at the main cost considerations for online colleges.

Recommended: Guide to Paying for College

Tuition and Fees for Online Programs

Like traditional college, tuition and fees account for most of the cost of attending online college.

Tuition usually varies based on enrollment status or, in other words, whether you’re a full-time vs. part-time student. Part-time students pay per credit hour, whereas full-time students taking 12 to 18 credits per semester may pay a flat rate.

Online programs may also include fees on top of tuition, such as a technology or distance learning fee, to access virtual resources and technical support services.

Cost Comparison: Online vs. On-Campus

Students considering studying online vs. on-campus may ask which is cheaper. In short, it depends on the institution, degree program, and location, but studying on campus tends to be more expensive.

For example, a first-year, in-state undergrad at Penn State’s University Park campus would pay $19,672 in tuition and fees for the 2024-2025 academic year. Meanwhile, an online undergraduate student would be charged $7,678 per semester, or $15,356 for the academic year.

Looking at tuition and fees is just part of the cost comparison. The total cost of attendance for studying on campus could include transportation expenses, room and board, and a meal plan — all costs that may not be incurred with the cheapest online colleges.

In-State vs. Out-of-State Online Tuition

The cost of online college can vary based on where you live.

At public institutions, students with in-state residency may benefit from subsidized tuition, even for online degree programs. However, most private schools do not differentiate tuition costs between in-state and out-of-state students.

Recommended: In-State Tuition: A Look at Establishing Residency

10 Affordable Online Colleges to Consider

Looking for the cheapest accredited online colleges? Here’s a short list of affordable online colleges to consider.

Institution In-State Cost Per Credit Hour Out-of-State Cost Per Credit Hour
University of North Carolina at Pembroke $42 $208
University of Florida Online $129 $553
University of Central Florida $179 $716
Eastern New Mexico University $298 $380
Great Basin College $193 $255
Clayton State University $5,780 (annual tuition) $5,780 (annual tuition)
Western Governors University $8,300 (average annual cost) $8,300 (average annual cost)
University of Wisconsin – Madison $500 $500
Kennesaw State University $190 (plus $340 online learner fee per semester) $190 (plus $340 online learner fee per semester)
University of West Florida $219 $324 (Alabama residents)
$648 (other non-Florida residents)

Factors Contributing to Lower Online College Costs

Why are online colleges cheapest for earning a degree? For starters, traditional colleges with in-person learning offer a range of experiences and infrastructure for students that online colleges don’t.

With online college, students have a much wider range of institutions and degree programs to choose from, increasing their options for an affordable education. Taking classes from home also avoids having to relocate and pay for moving costs.

Here are some additional factors contributing to lower online college costs.

No Campus Facilities or Housing

Dormitories, campus quads, athletic facilities, and many other facilities that define a quintessential college campus require a considerable budget to maintain. Besides tuition, students taking classes in-person may be required to pay for on-campus housing and meal plans for a portion of the full duration of their enrollment.

Meanwhile, students enrolled in online college are typically spared from paying housing and campus facility costs, including parking and recreation fees.

Recommended: Cheapest States to Go to College in the United States

Lower Administrative Overhead

Besides teaching faculty, traditional colleges require onsite staff to support student life on campus. This may include health services, campus events, dining services, and other areas related to student well-being.

With less support staff, online colleges have comparatively less overhead cost to meet the needs of their students.

Technology and Course Delivery Methods

Online colleges may charge additional technology fees for students enrolled in distance learning. However, online students could save on the cost of books and materials if primarily using digital resources for their coursework.

Taking classes online vs. in-person lectures can save on transportation costs, too, which average $1,360 annually for students who commute to college.

Flexible Scheduling and Self-Paced Options

Self-paced online programs allow students to watch lectures and complete assignments at their own speed. This approach can make it possible to take online classes while working or juggling family commitments, helping to pay for school and save on childcare costs.

Additional Cost-Saving Strategies

Though online college can be more affordable, students might consider other options for lowering costs.

Wondering how to pay for college? Here are some additional ways to reduce the cost of going to online college.

Transfer Credits and Prior Learning

Students who previously attended another institution could save on their online education by transferring credits. Transferring college credits usually involves an application fee or enrollment fee, but that’s still cheaper than taking the credit hours anew.

Financial Aid and Scholarships

Around 87% of college students receive some form of financial aid. Most colleges with free tuition or income-based tuition are in-person institutions, though students enrolled in online programs may qualify for financial aid and scholarships to help cover the cost of tuition.

When browsing online programs, keep in mind that colleges and universities must be accredited for students to be eligible for federal student aid, such as Pell Grants and federal student loans. Online students may also leverage private student loans and state and institutional financial aid in the form of scholarships or grants.

Already in the workforce? There are jobs that pay for your degree through scholarships or tuition reimbursement that could be a fit for your academic and professional goals.

Recommended: How to Complete the FAFSA Step by Step

Accelerated or Competency-Based Programs

An online competency-based or accelerated program is another option for students to learn at their own pace instead of following a set semester schedule.

Generally, students can choose when to take an assessment to demonstrate they’ve mastered a competency, potentially earning their degree faster and at a reduced cost.

The Takeaway

The cheapest online colleges can make earning a college degree more affordable. Besides the cost of tuition and fees, financial aid and long-term career goals are important considerations when comparing schools and degree programs.

To pay for your online education, you can use cash savings, grants, scholarships, and student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

What is the cheapest accredited online college?

The cheapest accredited online college on our list is University of North Carolina at Pembroke. Note that the cheapest online college can differ based on a student’s chosen program, credit hours, and residency status.

Are cheap online degrees worth it?

A cheap online degree can offer a flexible and affordable path to higher education and career advancement. When evaluating online degrees, consider the program’s cost, curriculum, and reputation.

How can I maximize cost savings for an online degree?

You can save on online college by enrolling in a program offering cheaper in-state tuition or self-paced learning to earn a degree in less time.

Do employers value cheap online degrees?

Employers will value a cheap online degree the same as a traditional degree if it’s from an accredited institution and meets the same academic standards. Earning an online degree while working also demonstrates time management skills to potential employers.

Photo credit: iStock/DisobeyArt

SoFi Private Student Loans
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SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Source: sofi.com

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As the “Land of Enchantment,” New Mexico is home to stunning natural landscapes. From the ancient pueblos and red sand deserts to the rugged peaks of the Sangre de Cristo Mountains and the lush expanses surrounding the Gila National Forest, there are endless places to explore in the state. If you’re looking to live close to these natural wonders, look no further than the mountain towns in New Mexico.

At Rent., we’ve gathered a list of the best New Mexico mountain towns to call home. Whether you’re looking for quaint streets lined with artisan shops, outdoor adventures right at your doorstep, or stunning views from your front porch, there’s a town for you. Let’s jump in.

1. Angel Fire

Mountain range: Sangre de Cristo Mountains

Average rent price: $1,245

Population: 710

Houses for rent in Angel Fire, NM

Apartments for rent in Angel Fire, NM

Homes for sale in Angel Fire, NM

Angel Fire is located in the breathtaking Sangre de Cristo Mountains, offering a serene and picturesque setting for residents. With a small population of just over 700 people, this town boasts a vibrant community with plenty of outdoor activities to enjoy throughout the year.

From skiing and snowboarding in the winter at Angel Fire Resort to mountain biking and hiking in the summer at Oeste Vista Trail, Angel Fire is a haven for adventure enthusiasts. The town is also known for its beautiful parks and trails, making it perfect for those who love to explore the great outdoors.

2. Cloudcroft

Mountain range: Sacramento Mountains

Average rent price: $1,400

Population: 590

Houses for rent in Cloudcroft, NM

Apartments for rent in Cloudcroft, NM

Homes for sale in Cloudcroft, NM

Cloudcroft is a quaint mountain town perched in the Sacramento Mountains. This hidden gem is home to fewer than 600 residents, offering a tight-knit community atmosphere amidst the stunning natural beauty of New Mexico. The town’s elevation provides a cool retreat from the desert heat, making it a perfect spot for hiking, camping, and enjoying the great outdoors.

Cloudcroft is also known for its historical sites, like the Sacramento Mountains Museum, and charming downtown area, where locals and visitors can explore unique shops and restaurants. There are plenty of awesome hiking spots in the area, like Trestle Depot Recreation Area and Mexican Canyon Railroad Trestle. 

3. Los Alamos

Mountain range: Jemez Mountains

Average rent price: $1,810

Population: 12,570

Houses for rent in Los Alamos, NM

Apartments for rent in Los Alamos, NM

Homes for sale in Los Alamos, NM

Los Alamos is uniquely situated in the Jemez Mountains, offering breathtaking views and a rich history that dates back to the Manhattan Project. Today, the town is known for its world-class scientific community and outdoor recreation opportunities. With a population of over 12,000, Los Alamos provides a blend of small-town feel and cosmopolitan amenities.

The surrounding mountains and forests offer endless opportunities for hiking, biking, and skiing, making it an ideal location for those who love the outdoors. There are plenty of hiking trails in the area such as the Mitchell Trail, the Guaje Ridge Trail, and the Pueblo Canyon Rim Trail. Make sure to check out sites like the Los Alamos History Museum, the Tsankawi Prehistoric Sites, and the Bradbury Science Museum.

4. Ruidoso

Mountain range: Sierra Blanca Mountain Range

Average rent price: $1,200

Population: 7,420

Houses for rent in Ruidoso, NM

Apartments for rent in Ruidoso, NM

Homes for sale in Ruidoso, NM

Ruidoso is a charming mountain town located in the Sierra Blanca Mountain Range. Known for its beautiful scenery and vibrant community, Ruidoso offers a variety of activities, including horse racing, skiing, golfing, and hiking. The town’s population of over 7,000 people enjoys a lively downtown area with unique shops, restaurants, and events.

There are plenty of trails to check out in the town like Cedar Creek Trails, Moon Mountain, and Dude Mesa. In the winter, you can ski at places like Ruidoso Winter Park or visit Flying J Ranch, a unique attraction. Ruidoso is a one-of-a-kind mountain town in New Mexico.

5. Santa Fe

Mountain range: Sangre de Cristo Mountains

Average rent price: $2,461

Population: 83,900

Houses for rent in Santa Fe, NM

Apartments for rent in Santa Fe, NM

Homes for sale in Santa Fe, NM

Santa Fe, the capital of New Mexico, is renowned for its Pueblo-style architecture, vibrant arts scene, and culinary excellence. Located in the foothills of the Sangre de Cristo Mountains, it offers a unique blend of natural beauty, history, and culture. With a population nearing 84,000, Santa Fe is the largest city on our list so there are plenty of experiences for its residents.

Santa Fe’s proximity to both mountains and the Southern Rocky Mountains forest area makes it a prime location for outdoor enthusiasts and those who appreciate the arts and culture. In the city, you’ll find the iconic Santa Fe Plaza, dating back to the early 1600s, which features historic buildings, local shops, and museums. Be sure to hike some of the popular trails like the Dale Ball Trails, La Cieneguilla Petroglyphs, and La Tierra Trailhead.

6. Silver City

Mountain range: Gila Mountains

Average rent price: $1,169

Population: 9,850

Houses for rent in Silver City, NM

Apartments for rent in Silver City, NM

Homes for sale in Silver City, NM

Silver City lies at the edge of the Gila National Forest, surrounded by the rugged beauty of the Gila Mountains, like Pinos Altos Mountain and Black Peak. This town is a haven for artists, outdoor enthusiasts, and anyone seeking a relaxed mountain lifestyle. With a population of nearly 10,000, Silver City maintains a small-town feel while offering a variety of cultural and recreational activities, like exploring the Silver City Museum and the Boston Hill Open Space.

The town’s vibrant arts scene and access to extensive outdoor recreation make Silver City an appealing choice for those looking to live in a mountain town. From exploring ancient cliff dwellings to enjoying Downtown’s galleries and cafes, Silver City has plenty to offer.

7. Taos

Mountain range: Sangre de Cristo Mountains

Average rent price: $2,728

Population: 6,370

Houses for rent in Taos, NM

Apartments for rent in Taos, NM

Homes for sale in Taos, NM

Taking the final spot on our list of mountain towns in New Mexico is Taos. A picturesque town that embodies the spirit of the Southwest, Taos is located in the Sangre de Cristo Mountains. Taos is known for its historic adobe buildings, thriving arts community, and stunning natural surroundings.

Despite its relatively small population, Taos boasts a diverse cultural heritage and a rich history that attracts visitors and new residents alike. Whether it’s exploring the ancient Taos Pueblo, skiing in the nearby mountains like Kachina Peak, or enjoying the local cuisine, Taos offers an unparalleled mountain town experience.

Note, this list is not comprehensive of all the mountain towns in New Mexico. Towns must have average rental data to be included on the list. Average rental data from Rent.com during September 2024. Population data is sourced from the United States Census Bureau.

Source: rent.com

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Looking for the best microtask websites to make extra money? Microtask websites are a great way to make some quick, extra money without any long-term commitment. These platforms allow you to complete small, simple tasks like taking surveys, testing apps, watching videos, or performing data entry, all from the comfort of your home. Whether you’re…

Looking for the best microtask websites to make extra money?

Microtask websites are a great way to make some quick, extra money without any long-term commitment.

These platforms allow you to complete small, simple tasks like taking surveys, testing apps, watching videos, or performing data entry, all from the comfort of your home.

Whether you’re looking for a flexible way to make money during your downtime or just want to earn a little extra cash on the side, micro tasks can be a good fit.

Microtask websites have been one of my favorite ways to make extra money because they’re easy to fit into my day, whether I have just a few minutes or a whole afternoon to spare.

Best Micro Task Websites

Below are the best microtask websites to make extra money.

1. Swagbucks 

Swagbucks is a popular rewards site that lets users earn extra money by performing different tasks. Once you’re finished completing tasks, you can redeem your points for gift cards or cash via PayPal.

There are different ways to make money with Swagbucks including:

  • Surveys
  • Watching videos
  • Searching the web using their search engine
  • Shopping online
  • Referring friends

My sister has earned over 100 free Amazon gift cards from being active on Swagbucks over the years, so I know it’s real!

If you join Swagbucks through my referral link, you will receive a $10 bonus.

2. Freecash

Freecash is an online platform where you can earn money by completing a wide variety of tasks such as online surveys, signing up for services, downloading apps, watching videos, playing games, and more.

Once you’ve earned enough points, you can redeem rewards for gift cards, PayPal cash, cryptocurrency, and more. To maximize earnings, check the site daily for new surveys and other earning opportunities. You can also invite friends and family to Freecash to earn even more points.

My sister (the owner of the site you are reading right now), actually just made $302 playing a game on her phone in just one week through Freecash recently. She did it all on her own schedule and it was super easy!

Click here to sign up for Freecash.

Recommended reading: 23 Best Game Apps To Win Real Money

3. Amazon Mechanical Turk 

Amazon Mechanical Turk (also known as MTurk) is a platform where people can complete small tasks such as data entry, transcription, image tagging, surveys, audio transcription, and more. They call these tasks human intelligence tasks (HITs).

You can choose tasks that match your skills and interests so you can complete jobs faster. Each of the small jobs will show the reward amount, the estimated completion time, and the requestor’s approval rating. These details will help you decide if the job is worth the time.

MTurk is a unique platform because you can filter out jobs by reward amount, time allotted, and other criteria to find the best job for you.

To make the most money with Amazon Mechanical Turk, choose jobs with higher rewards and also think about the time to complete them. This platform is not known for paying the highest, but the jobs are flexible, which is nice.

4. Clickworker

Clickworker is one of the best micro job websites and they list micro jobs with tasks including writing, translating, researching, data entry, data collection, mystery shopping, and more.

To get started, create an account on the Clickworker website. Clickworker requires users to complete assessments to gather data on the skills users have to match them with appropriate tasks.

You can also look for different micro task jobs on Clickworker. Jobs include text creation, categorization, copy editing, proofreading, surveys, web research, and app testing. Focus on accuracy so you can get the highest rating possible so you can get more task opportunities.

5. Fiverr 

Fiverr is an online job freelance marketplace where you can find gigs in categories like writing, graphic design, designing websites, video editing, search engine evaluation, annotation, research studies, help with social media platforms, and programming.

Fiverr lets you set up gigs for services you sell so people can reach out to you for hire. In each gig posting, you should include details like:

  • Description of your services and skills
  • Pricing structure
  • Any pictures that you may have of your previous work

When starting on Fiverr, it may help to have competitive pricing so you land more jobs and get reviews. This will help you get more jobs in the future.

You can withdraw Fiverr earnings to your bank and PayPal once you’ve reached the minimum withdrawal amount.

6. Kashkick

Kashkick is a platform where people can earn extra money by completing different tasks like taking surveys, watching videos, browsing the web, and more. It is one of the best microtask websites for beginners because you don’t need any experience.

When completing surveys, it’s important to provide honest answers and accurate information. If you have inconsistent answers across surveys, this can lead to disqualification from future surveys and reduce your chances of landing micro tasks on Kashkick.

You can sign up for Kashkick here.

7. Microworkers 

Microworkers is a crowdsourcing platform where people can make money completing small tasks. Tasks on the Microworkers platform include:

  • Data mining
  • Image transcription
  • Content moderation
  • Testing
  • Surveys
  • Transcription
  • Translation

Once your account is set up, you can browse different jobs on the platform that match your skills and interests. Each task will include details such as pay, time required, and task instructions. Each task comes with instructions and it’s important to read these carefully to ensure you complete the job correctly.

New tasks are added regularly so it’s a good idea to regularly check the platform to look for new micro jobs.

8. Appen 

Appen is a global platform that has part-time, freelance, and short-term projects that can be done remotely.

Once you create an account, you can browse through project listings and apply for jobs that match your skills and interests. Certain jobs may require you to pass a qualification test before you can start a job.

Micro tasks on Appen include image labeling, transcription, data categorization, and more. You can also complete surveys to make extra money.

9. TaskRabbit 

TaskRabbit is a gig platform that connects workers with tasks individuals need help with. These tasks can include:

  • Moving
  • Cleaning
  • Painting
  • Home repairs
  • Mounting
  • Outdoor help

For example, I have a friend who recently needed help putting together a piece of furniture. They found someone on TaskRabbit who came to their house and put together the furniture for them. The person got paid, and then left – that was the whole task.

To get started, create an account with TaskRabbit and fill out your profile with details such as your skills, experience, and the type of tasks you can do. You can also set up certain services you’re skilled in such as home repair, painting, outdoor work, etc.

Your next step will be determining your rate. Check out other profiles in your area doing similar work as you and see what they are charging. This will give you an idea of how to be competitive and stand out from others. Set up notifications in your area to get alerts of new jobs in your town.

10. PeoplePerHour 

PeoplePerHour is a platform for freelancers to find jobs. Jobs and micro tasks include:

  • Digital marketing
  • Web design
  • Writing
  • Social media
  • Branding
  • SEO
  • Illustration

To get started finding jobs on PeoplePerHour, create an account and include a professional photo of yourself, a catchy headline, your hourly rate or project pricing, and a detailed description of your work experience.

Once your profile is set up, you can apply for projects and submit proposals to jobs. In your proposal, you’ll share details like a brief intro about yourself, why the client should choose you for the job, relevant experience, and your rate and timeline for the project.

11. Gigbucks 

Gigbucks is a gig marketplace where people can hire out and list services.

As a gig worker, you can create a listing and share detailed information about yourself and your work. In this listing, you’ll share information like your skills, experience, rates, and examples of your work history.

Here are some tips to be successful on Gigbucks:

  • Set competitive prices on projects
  • Maintain good communication with clients (make sure to respond to any messages you get!)
  • Complete high-quality work and meet deadlines
  • Request reviews from clients

12. Freelancer 

Freelancer is a site that connects freelancers with clients who need help in areas like graphic design, writing, programming, and marketing.

As a freelancer, you create your own listing on Freelancer which will show your experience, skills, and work history.

You can also use the Freelancer platform to look for new job listings. If you find a job you like, you can submit a proposal. In the proposal, you’ll share important information like an introduction to yourself, relevant work history, as well as budget and timeline. Your proposal should stand out and make the client want to pick you over anyone else.

13. UserTesting 

UserTesting is a site that pays people to test out different things for companies. As a tester, you’ll provide feedback on websites, apps, and other digital products. Once you sign up, you’ll be asked to complete a qualification test to make sure you meet the requirements for certain tasks.

Once your profile is set up, you can browse available tests. Some tasks may include navigating a website to provide feedback on usability and functionality. Other jobs include testing apps and providing feedback on user experience and features.

To complete tasks on this site, you’ll need a computer, and some tasks require a webcam and microphone.

I have used UserTesting in the past to have my website evaluated. The person just spends minutes looking through a site, gives their honest feedback, and then moves on to the next task to get paid for.

14. Zeerk

Zeerk is a website where people can sign up for small tasks like surveys or assisting with graphic design, marketing, Pinterest, SEO, and other online tasks. Jobs on Zeerk typically pay between $4 and $200.

You can also get paid on Zeerk for watching advertisements and videos.

Zeerk pays out via PayPal, direct bank transfer, and gift cards.

15. Respondent 

Respondent is a user-testing website that pays people to do exactly that – test things. This platform connects people with companies for market research and user testing. You can also earn money by sharing your opinions in surveys and experiences on various topics.

Once your account is set up, you can look for different studies or surveys and even filter these jobs out based on your location, interests, and other criteria.

If you find a study you like, apply for it. If you qualify for the study, you’ll be invited to participate and have all the details and instructions sent to you.

16. Scribie 

Scribie is a website that pays people to transcribe all kinds of things like lectures, conference calls, YouTube videos, and documentaries. To make money with Scribie, you first need to pass a transcription test on their website. This test involves transcribing an audio clip. Accuracy and formatting are very important here, so be aware of that.

If you pass the transcription test, you’ll then be able to look for job opportunities on the platform.

Scribie typically pays between $5 to $25 per audio hour, and the pay depends on how hard the task is that you are doing. For example, easy-to-understand audio files with high-quality audio will pay less than audio that is hard to understand or has poor sound quality.

Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly

17. Upwork

Upwork is a freelance platform where you can find all kinds of jobs.

I’ve personally found work through Upwork and have found it to be high-paying as well (as long as you find the right jobs).

You can find jobs in topics like graphic design, making websites, digital marketing, virtual assisting, and more. Jobs are posted all the time and share important information like pay, time needed, etc.

With Upwork, it’s important to build a strong profile to make you stand out from other people. Your profile should include relevant work history and even examples of your past work. For example, if you’re a website designer, you may want to show images of websites you’ve designed.

You can even get people to review you on your Upwork profile, even if they don’t actively use Upwork themselves. These reviews will really make you stand out from the crowd.

18. ySense

ySense is similar to sites like Swagbucks in that you can make money by filling out surveys, trying out new products or services, signing up for websites, and watching videos. Ysense also has a daily checklist of different tasks you can do to make extra money.

You can get paid via PayPal, gift cards, and direct bank transfers, so there are many options for payment.

19. Slice the Pie

Slice the Pie pays you for answering questions with your honest opinion. You’ll review things like music, clothing, and other creative content.

To get started, you’ll need to create a profile on Slice the Pie and share basic information about yourself as this will help Slice the Pie determine what kind of tasks to assign you.

This platform primarily focuses on reviewing music, so you may get assigned jobs where you listen to music and review it. The more thoughtful and specific your answer is, the higher the rating you’ll get, which can help you land more jobs.

Recommended reading: 11 Best Ways To Get Paid To Listen To Music

20. InboxDollars

InboxDollars pays you for completing micro tasks like filling out surveys, shopping, and playing games.

InboxDollars works by companies paying InboxDollars for consumer input. So the company will have a survey that they want people to fill out, InboxDollars will list this survey on their site, and users will fill it out with their honest opinions.

Most surveys pay between $.50 and $5 and take anywhere from 3-25 minutes to complete. Some surveys pay $10 and $25 if you match the demographic they are looking for.

InboxDollars has paid out over $80 million to users for doing different tasks, and they are well known in the industry.

You can sign up for InboxDollars here.

Frequently Asked Questions

Below are common questions asked about using micro job websites to make extra money.

What is a micro task website? 

A microtask website is a platform where you can complete small tasks and get paid. Tasks may include data entry, surveys, transcription, image tagging, testing apps, playing games, and answering surveys. Microtask websites are used by both small and large companies to outsource work.

What is the best micro job site?

There are many microtask sites out there. The best microtask website will depend on the skills you have and the type of tasks you enjoy doing, along with the payment methods you prefer, and the availability of work in your region. The most popular micro job sites include Amazon Mechanical Turk, Swagbucks, Freecash, Fiverr, and Clickworker.

Is microtasking legit? Is microtasking worth the time?

Microtasking is generally legitimate and many reputable platforms are looking to fill real micro jobs. However, there are some important things to know and realize.

For example, there are more well-known and reputable microtask websites to choose from such as Amazon Mechanical Turk, Freecash, Swagbucks, and Clickworker. For others, I recommend that you read reviews of whichever microtask website you’re choosing to see what others have to say about the platform, such as looking at reviews on Trustpilot. 

It’s also important to know that the pay for micro tasks is usually low and earning a steady income from this tends to require a lot of effort and time.

Overall, microtask sites can be worth it if you’re looking for flexible, low-commitment work, but it might not be suitable for your primary method of income or if you are looking to make a lot of money.

How much money can you make with microtask websites?

While you most likely can’t get rich with microtask websites, you can earn a few dollars to around $20 an hour with microtask websites (sometimes more!). How much you earn depends on which microtask website you choose, your skills, the time you dedicate to the task, and your efficiency. I do think it’s important to focus on higher-paying tasks to make the job worth your while.

Best Micro Task Websites To Make Money – Summary

I hope you enjoyed my article on the best microtask websites to make money.

If you’re looking to make extra money by completing micro tasks like surveys, watching videos, signing up for offers, and more, this might be a good side hustle for you.

For most of these micro job sites, most of the options are for online micro jobs, which is great if you want to work from home because you just need an internet connection and a laptop.

I have been paid for micro tasks many times over the years, and I think it can be a good, flexible way to make money from home.

Are you interested in making money with the best micro job sites?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

Whether it’s to manage finances, accept payments or reach new customers, more small-business owners are optimizing their business operations with digital tools — leaving them increasingly vulnerable to digital security breaches and cyber attacks.

Exposure to cyber attacks topped the list of the biggest worries small-business owners face, even surpassing concerns about inflation and other economic issues, according to a 2023 report on cybersecurity released by Hiscox, a business insurance company.

The consequences of these breaches can extend beyond the initial threat, as well. Twenty-five percent of business owners surveyed by Hiscox indicated that cyber attacks had an overall negative impact on their business’s brand or reputation, and 20% said they had trouble attracting new customers as a result.

Here‘s what your business needs to know about the vast and evolving landscape of digital security.

Even the smallest businesses are at risk

While it may seem more lucrative for cyber criminals to go after big corporations and larger firms, the Hiscox report indicates that smaller businesses are increasingly under threat. Cyber attacks on firms with fewer than 10 employees have risen 13% since 2020.

“Hackers don’t care how small your business is or what you do,” Shawn Waldman, CEO and founder of Secure Cyber Defense, a cybersecurity consulting company said in an email. “They want your money and your data. Often, they have no idea who you are in the first place.”

Although cyber attacks can happen to any business, certain industries may be more likely to be targeted — particularly those that access or store a lot of sensitive client or customer data or information. Shavon J. Smith, a Washington, D.C.-based business attorney and founder of SJS Law Firm, works with small management and IT consulting firms that contract with big businesses and are therefore given access to their information, but are viewed as less secure because of their size.

According to Smith, medical offices may also be a target due to their small staff sizes and access to a lot of personally identifiable client information.

It’s easier to prevent a digital security breach than fix one

Businesses should prioritize proactive measures they can take to prevent an event from happening in the first place. It’s uncommon to find your attacker or recover stolen money or data once it’s gone, according to Smith. Once a cyber attacker has what they want, they are “lost in the wind.”

Studies indicate, however, that 95% of breaches in digital security can be traced to human error, which means they are preventable through internal and employee policies. This starts with policies that promote ongoing system maintenance and security. Smith recommends an initial review to pinpoint your overall vulnerabilities.

“The first thing you want to do is just kind of assess, ‘Where are our open ports? Where are our opportunities for things to go wrong, for people to hack into our system, for employees to lose data?’” she says.

If your employees have company-issued devices, for example, then your employee policy should lay out parameters on how they are to handle those devices, Smith says. That might mean forbidding employees to vacation with their laptops or prohibiting them from taking their computers home entirely.

An employee policy should also dictate who has access to confidential company or client information, which Smith says can help to decrease the chances of a security breach.

Cheap solutions can cost you down the road

Building digital security into your business budget can be expensive, and there’s certainly no one-size-fits-all solution, but failing to invest in proper systems can also be costly. In 2023, the median cost of a cyber attack for businesses with 10 to 49 employees was $9,500, according to the Hiscox report.

A common mistake both Waldman and Smith see small businesses make is relying on free or disreputable antivirus software and failing to update that software regularly. On top of that, Waldman warns against transitioning to cloud email providers without enabling security controls or multi-factor authentication. Email was the single weakest point of entry for cyber attackers, ahead of cloud or corporate servers, according to the Hiscox report.

A response plan can determine how quickly you recover

Any actions you take in the event of an actual cyber attack or digital security breach are typically about trying to cover your losses. According to Smith, your business’s response plan should cover some key steps:

  1. Contact a cyber security specialist or legal counsel. Better yet, consult with specialists or lawyers when you first create your plan, so you already have a point of contact if an event occurs. 

  2. Notify your insurance company of a possible claim. When you purchase cybersecurity insurance, it’s important for your broker to understand your business and what it does, according to Smith. That can help them understand the scope of a breach and what it means for your clients or customers. 

  3. Contact law enforcement. Although it’s unlikely they’ll be able to do much right away, law enforcement may have investigations open, and any information of new attacks could be helpful to them. 

  4. Reach out to clients. In many cases, you may be contractually obligated to notify the businesses your company works with of a data breach, Smith says. 

  5. Alert your customer base. If you are a consumer-facing business, you should plan to alert your customers as soon as you have the full scope of the breach, and be prepared to offer compensation or free credit monitoring.

Source: nerdwallet.com

Apache is functioning normally

When people think of Fresno, they often picture the heart of California’s agricultural region, but the city offers more than just farmland. Located in California’s Central Valley, Fresno is a growing hub that provides access to both rural landscapes and urban amenities. Beyond Fresno’s city center, the surrounding suburbs offer peaceful communities with a variety of living options, ranging from new developments to historic neighborhoods, all while maintaining easy access to the city’s employment, shopping, and entertainment.

In this ApartmentGuide article, we’ll explore some of the most notable Fresno suburbs, highlighting key aspects such as population, average rent, and what makes each area unique. Whether you’re searching for the perfect apartment in Fresno or curious about the different Fresno neighborhoods, let’s discover the best parts of Fresno to call home.

Cost of living in Fresno

Before we dive into the top Fresno suburbs, let’s cover how much it costs to live in Fresno. The overall cost of living in Fresno is about 9% higher than the national average, making it more affordable than many other areas in California but slightly above the national standard. Housing is a major factor, with the median sale price for a home in Fresno at $400,000, which is lower than the national average of $432,657. Rent follows a similar trend, with the average rent for a one-bedroom apartment in Fresno at $1,494, still below the national average of $1,514.

While some suburbs around Fresno offer more affordable options, others can reflect higher prices, particularly in more desirable areas. Here, we’ll explore a range of top suburbs, providing different lifestyle and housing opportunities depending on your budget and preferences.

1. Clovis

Known for: Excellent schools, welcoming community, and outdoor recreation

Clovis is one of the most popular suburbs in the Fresno area, located just northeast of the city. Known for its top-rated schools, Clovis is often a choice for those seeking educational opportunities, but it also offers much more. The suburb has a robust outdoor lifestyle, with easy access to hiking and biking trails in the nearby Sierra Nevada foothills. Old Town Clovis is a hub for community events, featuring charming local shops, restaurants, and year-round farmers’ markets. The city combines suburban comfort with plenty of recreational activities, from weekend farmers’ markets to hiking in the Sierra National Forest, making it ideal for those who appreciate both community connection and outdoor living.

Population: 121,000
Average rent for a one-bedroom apartment: $1,493
Median home sale price: $500,000
Clovis transportation scores: Walk Score 37, Bike Score 51

Apartments for rent in Clovis, CA | Houses for rent in Clovis, CA | Homes for sale in Clovis, CA

2. Sanger

Known for: Small-town charm, agricultural roots, and proximity to outdoor activities

Sanger, located southeast of Fresno, offers a rural atmosphere with the conveniences of city life just a short drive away. Known for its strong agricultural roots, Sanger is surrounded by farms, vineyards, and open spaces, giving residents a peaceful and scenic living environment. The nearby Kings River provides opportunities for outdoor activities such as fishing, hiking, and camping, ideal for nature lovers. The town itself has a small, welcoming atmosphere, with locally owned businesses and a community-focused lifestyle. Housing in Sanger includes a mix of older homes and newer developments, offering more affordable living options compared to other Fresno suburbs.

Population: 25,000
Median home sale price: $346,000
Sanger transportation scores: Walk Score 48, Bike Score 47

Apartments for rent in Sanger, CA | Houses for rent in Sanger, CA | Homes for sale in Sanger, CA

3. Madera

Known for: Affordability, agricultural industry, and small-town feel

Madera, just north of Fresno, offers a quieter, more affordable alternative to living in Fresno itself. The town is deeply connected to the region’s agricultural industry, which forms the backbone of its economy. Madera has a strong sense of community, and local events like festivals, farmers’ markets, and neighborhood gatherings provide opportunities to connect with neighbors. The city also offers access to numerous parks and recreational areas. Madera’s housing market is one of the most affordable in the region, with a mix of single-family homes and newer developments, making it attractive to both first-time homebuyers and those looking for more budget-friendly options.

Population: 65,000
Median home sale price: $410,000
Madera transportation scores: Walk Score 42, Bike Score 44

Apartments for rent in Madera, CA | Houses for rent in Madera, CA | Homes for sale in Madera, CA

4. Kerman

Known for: Rural living, small-town charm, and proximity to Fresno

Kerman is a small, rural suburb located west of Fresno that offers a peaceful lifestyle away from the busier urban areas. Known for its agricultural roots, Kerman provides a tight-knit community atmosphere with many local events and activities centered around its farming heritage. It’s a perfect choice for those seeking a quiet, affordable lifestyle while still being within easy commuting distance to Fresno for work and entertainment. The town has a variety of amenities, including parks, local shops, and restaurants, and is a great place for those looking for an affordable, laid-back lifestyle.

Population: 15,000
Median home sale price: $420,000
Kerman transportation scores: Walk Score 74, Bike Score 50

Apartments for rent in Kerman, CA | Houses for rent in Kerman, CA | Homes for sale in Kerman, CA

5. Reedley

Known for: Riverside living, historic charm, and agriculture

Reedley, located southeast of Fresno along the scenic Kings River, is known for its combination of natural beauty and historic charm. The town offers riverside living, with opportunities for boating, fishing, and other outdoor activities. Reedley’s historic downtown features a variety of local shops, cafes, and restaurants, along with farmers’ markets showcasing the area’s agricultural bounty. Reedley is also home to a number of fruit orchards and vineyards, making it a popular destination for those interested in agritourism. The small-town atmosphere and scenic river setting make Reedley a desirable location for those looking to escape the faster pace of city life.

Population: 25,000
Average rent for a one-bedroom apartment: $1,150
Median home sale price: $442,500
Reedley transportation scores: Walk Score 50, Bike Score 52

Apartments for rent in Reedley, CA | Houses for rent in Reedley, CA | Homes for sale in Reedley, CA

6. Sunnyside

Known for: Peaceful environment, newer developments, and proximity to downtown Fresno

Sunnyside, a growing suburb southeast of Fresno, offers a modern suburban lifestyle with newer developments and a quieter residential setting. Known for its convenient proximity to downtown Fresno, Sunnyside offers quick access to the city’s amenities while maintaining a more laid-back atmosphere. The suburb has seen significant residential growth, with a variety of new housing developments ranging from affordable homes to upscale properties. Sunnyside also has plenty of parks, shopping centers, and recreational facilities, making it an ideal choice for those who want to enjoy suburban living with easy access to urban opportunities.

Population: 22,000
Average rent for a one-bedroom apartment: $1,494
Median home sale price: $1,340,000
Sunnyside transportation scores: Walk Score 31, Bike Score 45, Transit Score 27

Apartments for rent in Sunnyside, CA | Houses for rent in Sunnyside, CA | Homes for sale in Sunnyside, CA

Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Fresno area. Average rent and home sale price data were sourced from Redfin and Rent.com as of September 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from Walk Score.

Apache is functioning normally

Businesses that need cash quickly but don’t have strong credit will sometimes turn to an alternative type of funding called a merchant cash advance (MCA). With an MCA, a financing company gives you an upfront sum of cash that you repay using a percentage of your debit and credit card sales, plus a fee.

An MCA can be helpful for covering cash flow shortages or short-term expenses, but if you end up taking out more than one merchant cash advance, you can end up paying different (and potentially high) interest rates and fees for each. Plus, you have to deal with different payment schedules for each MCA.

A merchant cash advance consolidation is an option that lets you roll up all of those advance payments into one. Ideally, an MCA consolidation has the potential to reduce what you’re paying in interest and fees. Here’s what you need to know about this type of consolidation loan.

What Is a Merchant Cash Advance?

Not every business qualifies for a traditional bank loan. Perhaps it hasn’t been in business long enough to be eligible, or maybe it doesn’t meet the credit requirements for a small business loan. That’s when a merchant cash advance may be useful.

An merchant cash advance is not a loan, but rather an advance on future sales. To determine eligibility, MCA providers may not rely heavily on criteria like time in business and/or credit scores, but instead focus on revenues. That can make it easier to get than other types of financing.

How MCAs Work

When you get an MCA, you receive a lump sum payment. Typically, MCAs express the interest they charge as a factor rate (often ranging from 1.1 to 1.5) rather than as a percentage. The factor rate does not include any additional fees the merchant cash advance company may charge you, such as administrative or underwriting fees.

How MCA Repayment Works

The repayment on an MCA works differently than other types of business loans. Typically, the MCA provider automatically deducts a daily (or weekly) percentage of your debit and credit card sales until the advance is repaid in full. Repayment periods can range anywhere from three to 18 months. Generally, the more you make in credit card sales, the faster you’ll repay the advance.

The downside is that MCAs tend to have much higher fees and interest rates than traditional small business loans, making them a costly financing option.

When you convert factor rates plus fees into an annual percentage rate (APR), the APRs on merchant cash advances can run as high as 350%, depending on the lender, size of the advance, fees, business revenue, and how long it takes to repay the advance.

What Is Merchant Cash Advance Consolidation?

A small business owner might take out a merchant cash advance to see their way through a slow period. Then, when they struggle with repayments, they may apply for another MCA to help repay the first. This is a process known as loan stacking. The company could then end up with multiple repayment schedules and paying different factor rates and different amounts for each advance.

A merchant cash advance consolidation rolls multiple MCAs into a single new loan. The consolidation loan typically pays off your existing MCAs and allows you to make one payment, often monthly, to the consolidation lender. Ideally, the consolidation loan will have a lower interest rate than the average of the multiple advances.

Recommended: Loans for Sole Proprietors

Signs You Need Consolidation

Signs you need a merchant cash consolidation include:

•  Multiple MCA loans: If your business has taken out many MCAs, a consolidation loan can help you streamline your payments and possibly save money on interest.

•  High interest rates: MCAs often come with steep fees, so consolidating into a lower-rate loan could reduce overall costs.

•  Falling behind on payments: Missing or struggling with payments is a strong indicator consolidation is necessary.

However, there are a few things to consider before you jump into MCA consolidation. One is whether or not your existing MCA lenders will charge you a prepayment penalty fee if you pay off your advances early. You’ll also want to find out if there are any upfront fees you have to pay for the new consolidation loan, since this can eat into your savings.

If, after running all the numbers, it looks like you can save money and streamline repayment, it may be a good time to consider a merchant cash advance consolidation.

Recommended: How Does Debt Consolidation Work?

What to Consider Before Applying

Before applying for a consolidation loan, you’ll want to look at what you’re currently paying in interest and what you’d qualify for with a new loan. Also, consider any fees for the new loan and any payoff penalties you’ll owe your current lenders. If, once you crunch the numbers, your total debt hardly goes down, there’s probably no sense in taking on a new consolidation loan.

When deciding whether it makes sense to do an MCA consolidation, you also want to look at the repayment period and what your payments with the new loan will be. A shorter repayment period can mean larger payments that you might not be able to afford. And, while a longer repayment period can mean smaller payments, it will likely mean paying more in total interest.

Examining the options can help you find the best path forward for your business.

Potential Drawbacks and Risks

Merchant cash advance (MCA) consolidation loans can provide relief, but they come with potential drawbacks and risks, including:

•  Extending the repayment period, which potentially increases the overall interest costs.

•  Paying high fees, which could negate the benefits of combining advances.

Additionally, if you’re consolidating to manage cash flow, it could be a sign of deeper financial issues, and relying on more debt may worsen the situation.

Refinancing vs Consolidation

If you’ve heard of business loan refinancing, you may think it’s the same as merchant cash advance consolidation, but these aren’t exactly the same.

It’s true that both can potentially lower your interest rate and/or change your payment term. However, when you refinance, you’re replacing one MCA with a new one or with a small business term loan. When you opt for an MCA consolidation, you’re rolling multiple MCAs into a new MCA or other type of business loan.

Recommended: Refinancing Your Student Loans While Starting a Business

Types of Consolidation Loans

Lenders may have different approaches to help you with consolidating your loans. Some will buy out the loan and pay it off directly, while others will lend you the money, after which it’s your responsibility to pay off your existing MCAs.The following types of loans can be used to consolidate your MCAs:

Merchant Cash Advance

If you’ve taken out multiple MCAs, it’s likely because your business doesn’t have great credit and may not qualify for other types of loans. If that’s the case, you might consider a new, larger merchant cash advance to consolidate your existing MCAs, ideally with more favorable terms.

Be aware that you will likely have a short repayment period, perhaps between a few months and three years.

Online Lenders

Another consolidation option if you don’t have excellent credit is taking out a consolidation loan with an online lender. Interest rates may be lower than with a merchant cash advance and repayment terms may be longer. A longer repayment term typically means your monthly payment will be lower; however, you’ll pay more in interest overall than with a shorter repayment term.

SBA Loans

SBA loans like the 7(a) program can be used to consolidate business debt that is approved by your lender, if you qualify. Repayment terms can be up to 25 years, and rates on SBA loans are among the lowest of any financing option for businesses.

Traditional Bank Loans

If you’ve been able to build your business or personal credit since taking out the MCAs, you may qualify for a bank loan with lower rates and longer repayment terms. You can then use the proceeds of the loan to pay off your existing MCAs.

The Takeaway

If you feel like you’re drowning because you’re paying too much, too often, for multiple merchant cash advances, consolidating with a new advance or small business loan may be a solution that could help you lower your costs and roll everything up into one monthly payment.

If you’re seeking financing for your business, SoFi can help. On SoFi’s marketplace, you can shop top providers today to access the capital you need. Find a personalized business financing option today in minutes.

Get personalized small business financing quotes with SoFi’s marketplace.

FAQ

What is a merchant cash advance consolidation?

A merchant cash advance (MCA) consolidation combines multiple merchant cash advances into a single MCA with more manageable repayment terms. Ideally, you’ll receive better rates and terms with your new merchant cash advance.

What happens if I don’t repay my merchant cash advance?

If you don’t repay your merchant cash advance (MCA), the lender may increase withdrawal amounts, freeze business accounts, or pursue legal action. Your personal and business assets could be at risk, and your credit score could be negatively impacted. This could affect financing options down the line.

Why consolidate your merchant cash advances?

The main reason to consolidate your merchant cash advance (MCA) is to simplify your payments. Rather than making multiple payments each week or month, you’ll only have to make one. Consolidating could also reduce your interest rate, saving you money over the life of the loan.

Photo credit: iStock/ipopba

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SOSMB-Q324-040

Source: sofi.com

Apache is functioning normally

Salt Lake City is a unique place to call home. Surrounded by stunning mountain ranges, the area actually experiences four distinct seasons. Its mix of outdoor activities, a thriving economy, and a relatively affordable cost of living makes it an attractive option for many.

All that said, there are a few drawbacks to keep in mind when considering moving to Salt Lake City. Let’s explore the pros and cons of living in Salt Lake City a bit further so you have all the information you need to find the perfect place.

Salt Lake City at a glance

Walk Score: 59 | Bike Score: 74 | Transit Score: 44
Median Sale Price: $535,000 | Average Rent for 1-Bedroom Apartment: $1,520
Salt Lake City neighborhoods | Houses for rent in Salt Lake City | Apartments for rent in Salt Lake City | Homes for sale in Salt Lake City

1. Pro: Access to the great outdoors 

Salt Lake City is a haven for outdoorsy folks. Conveniently located near the Wasatch Mountains, locals enjoy skiing, hiking, and mountain biking just minutes from home. The city is also close to five national parks, offering plenty of opportunities for camping and exploration. Needless to say, there are more than a few beautiful places in Salt Lake City.

2. Con: Air quality issues 

While the natural scenery is breathtaking, Salt Lake City struggles with poor air quality, particularly during the winter. The city’s geography causes an inversion effect, trapping pollutants and leading to significant smog.

3. Pro: Thriving job market 

Salt Lake City’s economy is growing rapidly, with low unemployment and tons of opportunities in tech, healthcare, and finance. Companies like Adobe and Goldman Sachs have sizable regional offices here, creating a range of employment options.

4. Con: Limited nightlife 

With one of the largest LDS communities in the world, Salt Lake City’s nightlife is quieter compared to other cities of its size. While there are bars and restaurants, local laws surrounding alcohol can dampen the experience for some, and options tend to close earlier. That said, there is still a lot to do in Salt Lake City before and after the sun goes down.

5. Pro: Affordable housing 

Housing costs for those in Salt Lake City are more affordable compared to people living in San Francisco or Denver. Though prices have risen in recent years, it’s still possible to find reasonable rental rates and home prices, especially in suburban areas.

6. Con: Rapid population growth 

Salt Lake City is experiencing rapid population growth, which has increased traffic congestion and put a strain on infrastructure. This growth has also contributed to higher housing prices over time, making it harder for some to find affordable options.

7. Pro: Family-friendly 

With its well-maintained parks, excellent schools, and community-focused neighborhoods, Salt Lake City is an ideal place for families. The city offers plenty of family-friendly events and attractions, including the Hogle Zoo and the Natural History Museum.

8. Con: High altitude 

The city’s elevation of over 4,200 feet can be an adjustment for newcomers. The high altitude can lead to symptoms like headaches and shortness of breath until your body acclimates. That said, if you’re an athlete, the altitude is a major plus for those who take their training seriously.

9. Pro: Public transportation 

Salt Lake City’s public transportation system is efficient, with a light rail system (TRAX) connecting the city and suburbs. It makes commuting easier for those without cars and offers a viable alternative for getting around town.

10. Con: Dry climate 

The desert climate in Salt Lake City is extremely dry, which can be uncomfortable for some people. You may need to invest in a humidifier during the winter months and stay diligent about staying hydrated year-round.

11. Pro: Active community 

Salt Lake City’s residents are generally active and health-conscious. From biking and running trails to yoga studios, the city provides plenty of ways to stay fit and healthy. Local farmers’ markets and health food stores further support this lifestyle.

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com

Apache is functioning normally

The Best Western credit cards — previously issued by the First National Bank of Omaha, but closed to new applicants — are back with new benefits and a new issuer. The Best Western Rewards® Visa Signature® Card and Best Western Rewards® Premium Visa Signature® Card are now issued by First Bank & Trust and managed by financial technology company Mercury Financial.

Each card offers rewards on Best Western stays and other purchases. Beyond that, you’ll also get travel and cell phone protections, elite status and sign-up bonuses. However, the bonus offer amount you can qualify for may vary. You can check to see whether you’re preapproved for the cards without affecting your credit, and if so, you’ll see what bonus you’re eligible for.

Here’s how the two cards compare:

Best Western Rewards® Visa Signature® Card

Best Western Rewards® Premium Visa Signature® Card

Annual fee

Bonus offers

10,000 to 40,000 points with qualifying spend.

20,000 to 80,000 points with qualifying spend.

  • 14 points per $1 on Best Western stays and purchases: 10 points as a Best Western Rewards member, 4 points for using the card. (The Best Western Rewards program is free to join.)

  • 2 points per $1 on all other purchases.

  • 20 points per $1 on Best Western stays and purchases: 10 points as a Best Western Rewards member, 10 points for using the card.

  • 4 points per $1 at gas stations and grocery stores.

  • 2 points per $1 on all other purchases.

Elite status

Automatic Gold status, which includes:

  • 10% bonus points per stay.

  • Exclusive reservation line.

  • No blackout dates.

Automatic Platinum status, which includes:

  • 15% bonus points per stay.

  • Exclusive reservation line.

  • No blackout dates.

  • Early check-in and late check-out.

Other benefits

  • Earn 10,000 bonus points when you spend $5,000 in a year.

  • Cell phone protection.

  • Reimbursement for trip cancellations, interruptions and delays.

  • Earn up to two free night awards: one after your cardmember anniversary, and another after your cardmember anniversary when you spend $10,000 that year.

  • Cell phone protection.

  • Reimbursement for trip cancellations, interruptions and delays.

NerdWallet values Best Western points at about 0.6 cent each. You can redeem Best Western points for hotel bookings, gift cards, airline miles and more. You must redeem at least 5,000 points, and point values can vary based on how you use them.

What changed?

In short, not much is different for the no-annual-fee version of the Best Western credit card, beyond a slight bump in rewards for staying with Best Western. But it’s a different story for the more expensive Best Western Rewards® Premium Visa Signature® Card, which did indeed get some notable and valuable improvements.

For one thing, that version of the card now earns extra rewards on gas and groceries, which previously earned only the card’s base rate of 2x back. More importantly, the premium version also now offers a free anniversary night, as well as the chance to earn a second one — perks that can easily offset that card’s annual fee.

Source: nerdwallet.com