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If you’ve always dreamed of opening your own business, now may be the time. The entrepreneurial spirit is thriving in the U.S. as historic numbers of Americans start their own companies. In 2023, a record 5.5 million new business applications were filed, according to the U.S. Census Bureau. The trend started in 2020 during the pandemic and has accelerated ever since.

There are many reasons why new business is big business today. For some individuals, the allure of running their own enterprise is a motivation too strong to resist. Others see opportunity created by changing consumer tastes and needs. For yet other people, starting a business may be a way to start over after a job layoff.

Small businesses are the backbone of the U.S. economy, employing 46% of the workforce, according to the Small Business Administration (SBA). But of course, a new business needs to stay in business. And one of the key factors that can help determine its success: Location, location, location.

So then, where is the best place to start a business? In what cities can a new business not only find its footing but go on to flourish?

To discover the answer, SoFi looked at the 50 largest cities across the U.S. with populations of 500,000 or less, and ranked them on eight different criteria, including annual business applications, average cost of office space, unemployment rates, and cost of living. We assessed the criteria for each city on a 10-point scale for a possible total score of 80 points. (See below for the complete details about our methodology.)

What we found was that while businesses are starting nationwide, certain cities across the country seem to be particularly beneficial for new businesses. Read on to learn the 10 best cities to start a business in the U.S.

Key Points

As SoFi analyzed the data about each city, these important findings stood out:

•   The South is a hotspot for new businesses. Three of the top 10 cities on our list are in Florida, and all score high in self employment. Plus, Florida has increasing numbers of businesses owned by underrepresented groups. Atlanta, the Number 3 city overall, has a large population of working age people and ranks high for new business applications.

•   Cold-weather cities are offering new businesses a warm welcome. Minneapolis clinched the Number 2 spot on our list, and St. Paul, Minnesota and Madison, Wisconsin scored in the top 10. All three have large populations of working age people.

•   Texas is poised to become a new-business powerhouse. The Lone Star State has 2 of the top 10 cities on the list — Plano and Irving. Younger people are gravitating to Texas, giving new businesses in these cities plenty of working age adults to employ.

Our Findings

Reviewing the entire list of cities in the SoFi analysis reveals some important, even surprising, information for aspiring business owners. For instance, Miami is the city with the most new business applications and highest level of self employment, while Witchita, Kansas, offers the best prices for office space, and Cleveland has the lowest cost of living.

Check out how other top cities rank when it comes to opening a new business.

Ranking City Walkability Score Cost of Living Score Office Space Cost Score Household Income Score Unemployment Score New Business Score Self-Employment Score Working Age Score Total Score
1 Miami, Florida 8.85 3.74 0.44 4.46 5.14 10.00 10.00 9.50 52.13
2 Minneapolis, Minnesota 8.16 4.55 4.60 6.21 4.73 3.17 9.71 10.00 51.13
3 Atlanta, Georgia 5.52 4.14 2.65 6.32 4.05 9.75 7.88 9.99 50.30
4 Plano, Texas 4.71 3.43 3.79 8.60 6.22 4.26 8.68 9.21 48.89
5 St. Louis, Missouri 7.59 5.45 5.27 4.31 4.73 3.55 8.22 9.36 48.48
6 St. Paul, Minnesota 8.16 4.85 5.36 5.69 5.27 2.50 6.98 9.25 48.06
7 Orlando, Florida 4.71 4.44 2.88 5.39 5.14 7.05 8.66 9.74 48.01
8 St. Petersburg, Florida 4.94 4.75 3.23 5.72 5.95 5.62 8.77 8.99 47.97
9 Madison, Wisconsin 5.75 4.19 5.10 6.09 7.30 2.31 6.61 9.99 47.34
10 Irving, Texas 5.17 4.60 5.36 6.24 5.81 4.57 5.90 9.31 46.97
11 Lincoln, Nebraska 5.06 5.05 5.79 5.52 6.62 1.94 7.60 9.14 46.71
12 New Orleans, Louisiana 6.67 4.65 4.71 5.10 2.97 5.32 7.85 9.04 46.30
13 Jersey City, New Jersey 10.00 2.78 0.00 7.41 5.00 3.89 7.35 9.86 46.29
14 Lubbock, Texas 4.48 5.35 5.49 4.78 6.35 2.36 8.09 9.34 46.25
15 Omaha, Nebraska 5.52 5.15 5.59 5.71 5.81 2.85 6.58 8.89 46.10
16 Pittsburgh, Pennsylvania 7.13 5.20 4.28 4.90 5.41 2.43 6.61 9.63 45.58
17 Lexington-Fayette, Kentucky 3.91 4.90 5.69 5.38 5.14 2.86 8.31 9.20 45.39
18 Colorado Springs, Colorado 4.14 3.99 4.94 6.43 5.00 4.11 7.61 9.10 45.32
19 Virginia Beach, Virginia 3.79 4.14 4.86 7.12 6.22 3.84 6.12 8.94 45.04
20 Arlington, Texas 4.37 4.70 5.26 5.83 5.14 3.58 6.44 9.21 44.52
21 Tulsa, Oklahoma 4.48 5.45 5.53 4.61 4.46 3.21 7.75 8.80 44.30
22 Gilbert, Arizona 3.33 3.33 2.71 9.37 6.08 3.83 6.65 8.85 44.16
23 Santa Ana, California 7.70 2.27 3.94 6.85 5.27 2.99 5.56 9.42 44.01
24 Reno, Nevada 4.60 3.79 4.41 6.64 5.14 3.55 6.72 9.10 43.95
25 Aurora, Colorado 4.94 3.84 4.40 6.40 5.14 3.77 6.19 9.24 43.91
26 Durham, North Carolina 3.45 4.70 3.63 6.08 5.54 3.61 7.41 9.44 43.85
27 Long Beach, California 8.39 2.07 2.18 6.43 4.05 3.46 7.59 9.60 43.77
28 Chandler, Arizona 4.02 3.59 4.40 8.08 5.81 3.83 4.79 9.20 43.72
29 Anaheim, California 6.44 1.82 4.70 7.20 5.27 2.99 5.88 9.24 43.55
30 Corpus Christi, Texas 4.60 5.25 6.11 5.21 5.14 1.94 6.37 8.85 43.47
31 Tampa, Florida 5.75 4.60 0.23 5.43 4.86 5.61 7.43 9.54 43.45
32 Buffalo, New York 7.70 5.66 6.01 3.76 3.92 2.02 4.90 9.04 43.00
33 Irvine, California 4.94 0.00 2.04 10.00 5.41 2.99 7.89 9.72 42.98
34 Oakland, California 8.62 0.81 0.03 7.68 4.46 2.43 9.40 9.44 42.86
35 Wichita, Kansas 4.02 5.35 6.45 4.94 5.00 2.50 5.75 8.78 42.79
36 Honolulu, Hawaii 7.59 0.66 2.98 6.73 6.35 2.46 7.24 8.74 42.74
37 Raleigh, North Carolina 3.56 4.39 2.40 6.40 5.95 3.95 6.32 9.69 42.65
38 Henderson, Nevada 3.45 4.04 3.55 6.94 4.32 4.45 7.21 8.33 42.29
39 Cincinnati, Ohio 5.63 5.20 6.06 4.00 3.38 3.28 5.20 9.50 42.25
40 Fort Wayne, Indiana 3.68 5.45 6.19 4.74 4.73 2.67 5.83 8.52 41.81
41 Greensboro, North Carolina 3.33 5.30 5.16 4.48 4.19 3.55 6.57 9.20 41.78
42 Anchorage, Alaska 3.56 3.38 2.40 7.79 5.27 2.83 7.05 9.14 41.42
43 Toledo, Ohio 5.29 5.61 6.28 3.69 2.70 2.75 6.25 8.72 41.29
44 Riverside, California 4.94 3.13 4.68 6.79 4.46 2.34 5.33 9.44 41.11
45 North Las Vegas, Nevada 3.91 4.55 4.50 5.84 3.24 4.45 4.11 9.04 39.63
46 Chula Vista, California 5.29 2.12 2.66 8.29 1.62 2.57 6.95 9.14 38.65
47 Cleveland, Ohio 6.55 5.81 5.63 3.03 0.00 3.77 4.87 8.98 38.64
48 Newark, New Jersey 8.74 4.24 3.11 3.78 1.22 4.45 3.89 9.11 38.53
49 Stockton, California 5.06 3.69 5.22 5.82 3.38 2.11 4.44 8.81 38.53
50 Bakersfield, California 4.25 3.89 5.39 6.00 3.51 1.73 4.57 8.61 37.97

The Top 10 Cities to Start Your Own Business

The best cities for new businesses tend to be in the South and Midwest, our research found. But no matter where they are located, each of the cities in our top 10 has attributes that make them great locations for aspiring business owners.

1. Miami, FL

Score: 52.13

This vibrant metropolis combines the perks of big-city life, such as an exciting food and nightlife scene and renowned museums and art galleries, with beautiful beaches and warm, sunny weather. Miami’s population has increased steadily in recent years, making it one of the fastest growing cities in the country. And tourists from around the world flock to this oceanside oasis. In short, there are endless opportunities — and customers — for new business owners in Miami.

In SoFi’s analysis, Miami received top scores for new business applications and the number of self-employed individuals. It also rated highly for walkability and its large working-age population. Not only that, prospective business owners in Miami may be able to take advantage of small business grants in Florida that can help with start-up costs.

2. Minneapolis, MN

Score: 51.13

With its friendly midwestern vibe and cosmopolitan charm, Minneapolis has been experiencing population growth since the pandemic. Despite the cold winters, residents say it offers a good quality of life, access to nature, sporting events, arts and culture, and more. The city is also seeing a surge in new housing and economic development.

In the SoFi study, Minneapolis received a top score for its large working-age population. It also got high marks for the number of self-employed residents and the city’s walkability. Another potential selling point for entrepreneurs: The state of Minnesota works to cultivate small businesses, offering assistance and partnerships through its Office of Small Business and Innovation.

3. Atlanta, GA

Score: 50.30

Atlanta is another one of the fastest-growing metro areas in the country, according to Census Bureau data. The city has seen a boom in businesses opening and relocating there, from major corporations to smaller companies. Atlanta’s lifestyle amenities have flourished as well, making the city a draw for its vibrant entertainment offerings, diverse restaurants, and sporting events.

It’s no wonder then that Atlanta has a robust population of working-age individuals, according to SoFi’s research. It also got a high score in our analysis for new business applications. For entrepreneurs, the city has support networks, incentives, and small business loans that make it an appealing place to set up shop.

4. Plano, TX

Score: 48.89

New businesses are popping up across Plano, making it a welcoming community for those ready to launch their own companies. Located less than 20 miles from Dallas, the city is a family-friendly place to live with easy access to a major metro area. People are drawn to Plano’s parks, cultural events, and restaurant offerings — something new business owners can both enjoy personally and benefit from professionally.

SoFi’s research found that Plano has a large working-age population and a high household income. It also ranks near the top of the list for self-employment. Plus, small business grants in Texas can make Plano a good choice for new business owners.

5. St. Louis, MO

Score: 48.48

Located on the Mississippi River and known for its iconic Arch, St. Louis is actively courting new businesses through incentive programs, tax credits, and enterprise zones. The city has a vibrant start-up scene, with business incubators and accelerators. St. Louis, which boasts a diverse culture, historic neighborhoods, and a fairly affordable cost of living, is a top area for job growth, according to recent data from the Federal Reserve Bank of St. Louis.

Indeed, SoFi’s report found that St. Louis gets high marks for its large working-age population, self-employment score, and household income.

6. St. Paul, MN

Score: 48.06

The state capital of Minnesota, and the other half of the famed “Twin Cities” (along with Minneapolis, the Number 2 city on our list), St. Paul is a mid-sized metropolis with a youthful vibe. There are a number of colleges and universities here, giving the city’s employers access to skilled graduates. In our research, the city ranked high for its large working-age population. In addition, St. Paul offers a number of resources for new businesses, including financial and technical assistance.

7. Orlando, FL

Score: 48.01

Home to Disney World and Universal Studios, among many other theme parks, Orlando is not only a coveted tourist destination but also a cosmopolitan city with a strong arts and cultural scene, good restaurants, and a bustling nightlife.

It also has a variety of employment opportunities to attract workers: Orlando is filled with big companies, such as AAA and Darden Restaurants, and it’s a growing technology hub. As a result, the city has a large working-age population, according to SoFi’s analysis. Orlando is welcoming to new businesses and offers many incentives to entrepreneurs.

8. St. Petersburg, FL

Score: 47.97

This Gulf Coast city is so beloved for its weather that it’s known as Sunshine City. St. Pete is appealing to employees and business owners alike for its working and lifestyle opportunities. Here, you’ll find pristine sand beaches and a walkable city with a dynamic business community. Companies like Raymond James and HSN are located in the city, as are a growing number of new businesses.

St. Petersburg has a booming working-age population and it scores high marks in self employment, the SoFi report found. It also offers tax benefits and incentives to new businesses.

9. Madison, WI

Score: 47.34

This state capital was recently rated the sixth best city in the U.S. to live in by U.S. News & World Report, thanks to its quality of life. Madison has a hot job market and it’s a hub for companies in technology, healthcare, and manufacturing. As a college town — the University of Wisconsin-Madison — it also has a diverse population and a dynamic downtown filled with boutiques, restaurants, bars, and coffee shops.

In SoFi’s report, the city rated highly for its working-age population. The unemployment rate in Madison is fairly low, which also makes it desirable. The city offers programs to help small businesses start and succeed, and there are small business grants in Wisconsin entrepreneurs can explore.

Recommended: Unemployment Rates by City

10. Irving, TX

Score: 46.97

Located near Dallas, Irving combines urban amenities with a suburban feel. It has many perks of city living, such as live music venues, ballet and symphony, art, movie theaters, and restaurants. For nature lovers, Irving has a number of rivers and lakes weaving through it, along with parks and nature trails.

Irving’s economy is strong — major corporations in industries such as technology, finance, and consumer goods are located there. SoFi’s research found that the city has a large working-age population, which can be beneficial to new business owners. Irving also offers incentives and resources for small businesses.

Tips for Small Business Owners

If you’re ready to start a small business, these are some important steps to take to help your venture become a success.

•   Choose the right location for your business.
Do your research to pick an area that best suits your business needs. Consider whether the area has the type of customer you’re targeting, a robust workforce, and real estate and operating costs you can afford.

•   Check out local resources, networks, and programs.
Does the location you’re considering offer incentives and tax credits for new and/or small businesses? The cities on our list do, as do many others. Be sure to check with the chamber of commerce, the city’s SBA office, if there is one, and local economic development centers and business incubators.

•   Find the right financing.
The city or state may offer grants or funding for new businesses — do your homework to find out if they do. Also investigate grants and funding programs from the SBA.

As you’re seeking financing for your small business, you may also want to consider a loan to help get your venture off the ground.

When you’re looking for a loan for your new business, SoFi can help. On SoFi’s marketplace, you can shop top providers to access the capital you need. Find a personalized small business loan option today within minutes.

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.

With SoFi’s marketplace, it’s fast and easy to search for your small business financing options.

Methodology

To determine the best cities to start a business, SoFi looked at the largest 50 cities across the U.S. with populations of 500,000 or less. (“Population” refers to the city proper and is separate from surrounding urban areas.) SoFi analyzed eight key contributing factors, each assessed on a 10-point scale, in each city for an overall potential score of 80. These factors included:

Walkability

Walkability was determined by reviewing statistics from Walk Score, which were given on a scale of zero to 100. The higher the Walk Score, the higher a city’s walkability score.

Cost of Living

Using Area Vibes, SoFi reviewed the cost of living score — an index score compared to the national average. The lower the cost of living score in a city, the better the score we assigned.

Average Cost of Office Space

Using LoopNet, SoFi assessed all 50 cities using the following filters:

•   Type of space needed: office, retail, or restaurant

•   Number of employees: 10 (which equaled 1250 to 4000 sq. ft. of space)

SoFi averaged the price per square foot per year for the newest 10 results in each city. The higher the average cost, the lower the score.

Median Household Income

Using Data USA, SoFi assessed the median household income for each city. The higher the median income, the higher the score.

Unemployment Rates

Using Area Vibes, SoFi assessed the unemployment rate for each city. The lower the unemployment rate, the better the score.

Annual Business Applications

Using Census Burea data SoFi calculated the percentage of people who applied for a small business loan in the county where each city is located. The higher the percentage of new business applications, the higher the score.

Percentage of Self-Employed People

Using Census Burea data, SoFi calculated the percentage of people in each city who had self-employment income. The higher the percentage, the higher the score.

Working-Age Population

Using Census Burea data, SoFi calculated the percentage of people in each city who were between the ages of 15 and 64. The higher the percentage, the higher the score.

SoFi’s marketplace is owned and operated by SoFi Lending Corp. See SoFi Lending Corp. licensing information below. Advertising Disclosures: SoFi receives compensation in the event you obtain a loan through SoFi’s marketplace. This affects whether a product or service is featured on this site and could affect the order of presentation. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider.


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.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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Source: sofi.com

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Tennessee is renowned for its diverse natural landscapes, like the majestic Appalachian Mountains and the serene Great Smoky Mountains. The state is home to a wide range of mountain towns, each with its own charm and character. So, if you’re dreaming of living in a Tennessee mountain town, you’re in the right place.

At Rent., we’ve gathered a list of the best mountain towns in Tennessee to call home. Whether you’re drawn to the towns near the Cherokee National Forest or the vibrant art scenes of Appalachia, there’s a mountainside city for you. Let’s jump in.

1. Blountville

Mountain range: Appalachian Mountains

Average rent price: $1,184

Population: 3,030

Houses for rent in Blountville, TN

Apartments for rent in Blountville, TN

Homes for sale in Blountville, TN

The first Tennessee mountain town on our list is Blountville, nestled in the heart of the Appalachian Mountains. The landscape is dominated by the rolling hills and lush greenery seen throughout the Appalachian region. There are plenty of unique natural features throughout the area like the Appalachian Caverns and Boone Lake, perfect for enjoying the outdoors.

Blountville is a small town, with a population of just over 3,000, but has a close-knit community atmosphere. Residents enjoy a variety of outdoor activities, including hiking and exploring the natural beauty of the surrounding mountains. 

2. Cleveland

Mountain range: Appalachian Mountains

Average rent price: $1,533

Population: 44,170

Houses for rent in Cleveland, TN

Apartments for rent in Cleveland, TN

Homes for sale in Cleveland, TN

Located within the expansive Appalachian Mountains, Cleveland is a vibrant town with a population of 44,170. Outdoor enthusiasts will find plenty to do, with numerous trails, parks like Fletcher Park, and horseback riding that showcase the natural beauty of the Appalachian region.

Cleveland’s bustling downtown area, complete with shops, restaurants, and entertainment options, adds to its appeal. The city is home to Lee University, giving Cleveland a lively atmosphere throughout the year.

3. Collierville

Mountain range: Appalachian Mountains

Average rent price: $2,396

Population: 50,280

Houses for rent in Collierville, TN

Apartments for rent in Collierville, TN

Homes for sale in Collierville, TN

Collierville, a popular Memphis suburb, is a hidden gem for those looking to live near the mountains. Home to about 50,280 residents, this town is home to popular attractions like the Collierville Greenbelt Trail and Shelby Farms Park, and is just a short distance from Hatchie National Wildlife Refuge. Collierville offers a blend of suburban charm and natural beauty, making it a great option for those seeking a balance between outdoor activities and comfortable living.

The town is known for its well-preserved historic district where you’ll find landmarks like the Morton Museum of Collierville History, the Collierville Depot, and Town Square Park. With its scenic landscapes and charming atmosphere, Collierville is an awesome spot to call home.

4. Elizabethton

Mountain range: Appalachian Mountains

Average rent price: $1,072

Population: 13,180

Houses for rent in Elizabethton, TN

Apartments for rent in Elizabethton, TN

Homes for sale in Elizabethton, TN

Elizabethton, a quaint town in the Appalachian Mountains adjacent to the Cherokee National Forest, has a unique blend of natural beauty and historical charm. With a population of 13,180, it provides a small-town atmosphere with strong community ties. Residents have easy access to a plethora of outdoor activities, including hiking at Laurel Falls Trailhead, Buffalo Mountain Park, and the Appalachian Trail, and camping in the Cherokee National Forest.

Elizabethton’s rich history is reflected in its well-preserved downtown area, where festivals and community events bring the town to life. You can find a variety of historic buildings and sites around the area, like Sycamore Shoals State Historic Park, Elizabethton Covered Bridge, and the Tipton-Haynes State Historic Site. 

5. Gatlinburg

Mountain range: Great Smoky Mountains

Average rent price: $2,500

Population: 3,930

Houses for rent in Gatlinburg, TN

Apartments for rent in Gatlinburg, TN

Homes for sale in Gatlinburg, TN

Gatlinburg is a picturesque town nestled in the Great Smoky Mountains, known for its breathtaking landscapes and vibrant tourist industry. Even with a year-round population of 3,930, Gatlinburg has a lot to offer its residents. The town offers a wide range of activities, from hiking at Mount Harrison, skiing in the winter, spending the day at Ober Mountain, and exploring local shops and attractions.

Gatlinburg’s charm comes from its proximity to natural wonders and its lively downtown area, making it a perfect spot for those seeking adventure and community. Be sure to check out the unique attractions like the Salt & Pepper Shaker Museum, the Anavista Tower, the Place of a Thousand Drips, the Gatlinburg SkyPark, and many more hidden gems.

6. Johnson City

Mountain range: Appalachian Mountains

Average rent price: $1,532

Population: 63,830

Houses for rent in Johnson City, TN

Apartments for rent in Johnson City, TN

Homes for sale in Johnson City, TN

Johnson City is located just west of Elizabethton and is another great mountain town in Tennessee. Located in the Appalachian Mountains, near the Cherokee National Forest, Johnson City is a hub of activity and culture with sites like Tipton-Haynes State Historic Site, Tannery Knobs Mountain Bike Park, and Rocky Mount State Historic Site.

With a population of 63,830, Johnson City is celebrated for its outdoor recreational opportunities, including hiking, biking, and exploring the nearby Cherokee National Forest and Buffalo Mountain Park. The town also has a vibrant downtown area, rich in history and brimming with shops, restaurants, and venues, like Down Home. Johnson City’s blend of natural beauty and urban convenience makes it a great place to call home.

7. Jonesborough

Mountain range: Appalachian Mountains

Average rent price: $1,335

Population: 5,290

Houses for rent in Jonesborough, TN

Apartments for rent in Jonesborough, TN

Homes for sale in Jonesborough, TN

Jonesborough is the oldest town in Tennessee and steeped in Appalachian history. With a population of 5,290, it offers a cozy, small-town feel. Close to the Cherokee National Forest, there are plenty of hiking trails, scenic overlooks, and landmarks like Pinnacle Mountain Fire Tower and Sill Branch Falls, located just outside of town.

Jonesborough is renowned for its well-preserved historic district, storytelling festivals, and community events that celebrate its heritage. You can see the city’s history in places like the Chuckey Railroad Depot Museum, the International Storytelling Center, and the Historic Jonesborough Visitors Center. The town’s proximity to natural attractions, like the Gray Fossil Site, combined with its vibrant cultural scene, makes Jonesborough a captivating place to live.

8. Newport

Mountain range: Great Smoky Mountains

Average rent price: $1,200

Population: 6,580

Houses for rent in Newport, TN

Apartments for rent in Newport, TN

Homes for sale in Newport, TN

Newport, situated at the foothills of the Great Smoky Mountains, combines the tranquility of mountain life with the convenience of city living. The town has a population of 6,580, giving the area a great small-town feel with its charming shops and restaurants.

Newport’s residents enjoy easy access to the natural beauty and outdoor activities, like Forbidden Caverns, offered by the nearby Cherokee National Forest. This mountain town is also known for its vibrant community life, featuring local markets, festivals, and cultural events that showcase its unique character and hospitality.

9. Pigeon Forge

Mountain range: Great Smoky Mountains

Average rent price: $2,262

Population: 6,290

Houses for rent in Pigeon Forge, TN

Apartments for rent in Pigeon Forge, TN

Homes for sale in Pigeon Forge, TN

Pigeon Forge is an iconic and lively town in the Great Smoky Mountains, renowned for its entertainment and outdoor activities. Despite its small population of 6,290, it’s a prime tourist destination. Pigeon Forge is home to a variety of attractions, including theme parks, theaters, and museums.

For example, you can visit the famous Dollywood, ride the Smoky Mountain Alpine Coaster, check out museums like the Hollywood Wax Museum, or watch a unique production like the Hatfield & McCoy Dinner Feud. The town’s proximity to the Great Smoky Mountains National Park also offers endless opportunities for hiking, camping, and wildlife observation. Pigeon Forge’s vibrant atmosphere and scenic beauty make it a unique place to live and explore.

10. Sevierville

Mountain range: Great Smoky Mountains

Average rent price: $2,068

Population: 16,240

Houses for rent in Sevierville, TN

Apartments for rent in Sevierville, TN

Homes for sale in Sevierville, TN

Just north of Pigeon Forge is Sevierville, the final area on our list of Tennessee mountain towns. Located at the gateway to the Great Smoky Mountains, Sevierville offers a blend of natural beauty, history, and modern amenities. With a population of 16,240, Sevierville’s residents enjoy access to a wide range of outdoor activities, including hiking in the national park, exploring local trails, and enjoying scenic views.

The town also has a rich historical heritage, with numerous landmarks and museums, like the Tennessee Museum of Aviation, the Dolly Parton Statue, and SkyLand Ranch. Sevierville’s vibrant community combined with its picturesque setting, makes it an attractive place for those seeking both adventure and tranquility.

Note, this list is not comprehensive of all the mountain towns in Tennessee. 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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JetBlue announced on Sept. 19 that it would open two new airport lounges and launch a premium credit card.

This move is JetBlue’s latest effort to differentiate itself in a competitive space. By adding a premium lounge experience and credit card, JetBlue can better capture more of the high-spend traveler market while continuing to cater to budget-conscious flyers. Still, JetBlue is much smaller and has a limited route network compared with American Airlines, Delta Air Lines or United Airlines, so its offerings might be relatively niche, appealing only to a specific set of JetBlue flyers.

Who can access JetBlue’s new lounges?

This plan is the airline’s first move into a standalone lounge experience, responding to growing customer demand for the “highly requested perk.” Each lounge will feature complimentary refreshments, high-speed Wi-Fi and quiet areas designed for travelers.

Complimentary access will be available to:

JetBlue will also sell day passes and an annual pass, though details on pricing and eligibility have yet to be finalized.

Airport lounges are in high demand

JetBlue’s future lounges won’t be the only new options at JFK or BOS. Airlines and banks are moving away from relying on third-party lounge networks like Priority Pass, opting instead to invest in branded spaces that allow for greater control over the customer experience. In 2024 alone, JFK saw some new lounges and plans, including:

  • Capital One Lounge: In June 2024, Capital One announced it would open a 13,000-square-foot lounge in Terminal 4; an opening date hasn’t been shared.

  • Delta One Lounge: The largest Delta lounge in the world, located in Terminal 4, opened in June 2024. 

Chase also opened a Sapphire Lounge by The Club in BOS in 2023 and Delta added a nearly 21,000-square-foot Sky Club last year, in addition to two others that were already there.

This underscores other airlines’ commitment to branded lounges, as well as ways that banks are increasingly getting into the airport lounge space. More lounge options are welcomed, especially as overcrowding has become a notorious issue among even among the most upscale lounge offerings.

JetBlue’s new premium card benefits

While details are scant, JetBlue has already made it clear its new premium card will include lounge access for the cardholder and a guest. JetBlue’s current credit cards are all issued by Barclays, which will also issue this forthcoming card.

With only two lounges planned so far, it’ll be interesting to see at what price point JetBlue lands with its upcoming card and what other benefits will come with it. It’s unknown if lower-tier cardholders will have discounted or limited lounge access.

It’s worth noting that several premium cards include Priority Pass Select membership to access over 1,600 Priority Pass lounges around the world. While quality varies, it’s a way issuers offer airport lounge access when cardholders travel beyond a smaller lounge network. If it’s not a perk of JetBlue’s new card, it’ll be a tough sell to enter two specific lounges unless the other benefits are truly stellar.

How to maximize your rewards

Source: nerdwallet.com

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While not a typical top-of-mind destination, Cincinnati, OH, has a number of hidden gems just waiting to be discovered. Nestled on the bank of the Ohio River and a stone’s throw from Kentucky, the Queen City has so much to offer its residents and visitors. If you’re making the move to a new home in Cincinnati, OH, passing through Ohio in a rental home, or trying to find the perfect apartment in the city, you’re bound to find a new favorite hang-out in this list of 12 hidden gems in Cincinnati. 

1. Take in the innovation and variety of a Somerset cocktail

Truly a unique venue, Somerset cocktail bar and lounge in the Over-the-Rhine neighborhood hosts three distinct spaces in one: a cozy, library-like lounge, a glass-roofed conservatory, and a lush exotic garden. Enjoy one of their in-house crafted cocktails like their award-winning Ube Margarita while connecting with new friends and relaxing in whichever space fits your evening’s vibe. 

Image courtesy of The Heritage Village Museum 

2. Travel back in time at a living history museum

The Heritage Village Museum is the perfect place to immerse yourself in Cincy history. The museum is made up of 13 historic buildings, each with its own story and significance. With a number of tours and seasonal events to choose from, there is something for every visitor to enjoy throughout the year. 

3. Fuel up for the day at TAG’s Cafe

Just 20 minutes from downtown Cincinnati, TAG’s Cafe features a full espresso bar alongside homemade breakfast, baked goods, lunch offerings, and more. Get your day started right with in-house dining or take it to go while you explore the city.

4. Stock your shelves at an independent bookstore

Among the beautiful buildings in the historic Columbia Tusculum neighborhood, you can find Bookery Cincy, an independent, book-lover-owned bookstore bringing the simple joy of reading to the city. This hidden gem of Cincinnati provides a welcoming spot for young and old readers alike to find their newest page-turner. 

5. Grab a cone of small-batch, hand-scooped ice cream 

“Cincinnati has a flourishing ice cream scene with lots of delicious options, and we are proud to be a part of that scene,” says Nate Henderson, co-owner of Gold Spoon Creamery. They pride themselves in making everything in-house and having something for everyone, including vegan and gluten-free options. Their love for Cincy’s rich history in art deco design shines through in their thoughtfully designed shop at Summit Park in Blue Ash. 

6. Explore the variety of outdoor adventures in Cincy’s backyard 

“One of the greatest things about Cincinnati is that we have a wonderful downtown city center, but drive 20 minutes and you can be transported to a whole different place,” says Amy, owner of Sweet Things Photography. “Our park system can’t be beat. Whether it’s Eden, Ault, or any of the other sprawling parks around the city, take some time to pack a picnic, walk your dogs, or play with your kids while soaking in the gorgeous surroundings.” 

7. Taste a local beer from MadTree Brewing 

No matter what your vibe is, MadTree Brewing has you covered. Spend an afternoon hanging out with friends at their award-winning Oakley Taproom and outdoor beer garden, or unwind with a seasonal menu in their beautiful Alcove restaurant in the heart of OTR. 

8. This hidden gem will make any day a Saturday 

Children’s book author Kristy High recommends adding Saturday Morning Vibes Cereal Bar to your Cincinnati bucket list of unique things to do. “This amazing spot has cartoons, video games, and a variety of over 70 cereal mixes to enjoy,” says Kristy. “They even host storytimes for the kids, author events, and other community driven projects.” 

9. Indulge in the simple joy of bubble tea

Whether you are a tea enthusiast searching for the perfect afternoon pick me up or a casual wanderer drawn in by the pastel-painted storefront, Boba Angel is ready to welcome you in with their variety of creamy drinks crafted with care. Enjoy a classic milk tea or a more adventurous concoction, like their lavender matcha with honey-soaked boba, in this cozy community hub in the heart of Cincinnati. 

10. Find a meal for everyone at Ruth’s 

Ruth’s Parkside Cafe in the legendary Northside community offers great dining in a fun, eclectic atmosphere. “Food unites us all,” shares Rob from the Ruth’s team, who affirms that there’s something for everyone at the Ruth’s dinner table. Whether you’re looking for a plant-based meal, or you’re more of a carnivore, there are a number of fantastic options on their versatile menu. 

11. Thrift some used books to support the local library 

The Friends of the Public Library of Cincinnati share their Used Book Warehouse, a true hidden gem and book lovers’ paradise just north of Cincinnati proper. Proceeds from purchases from their massive collection of used books, music, movies, puzzles, and more support the nationally-ranked Cincinnati Public Library system. 

12. Tap into Over-The-Rhine history at The Lackman 

Once owned by brewer Herman Lackman, this turn-of-the-century Cincinnati bar joins historic charm with vibrant nightlife, a perfect gathering spot for locals who appreciate both the old and the new. Sip local brews and rare bourbon at The Lackman in the heart of the Over-The-Rhine district. 

Hidden gems of Cincinnati: Why the Queen City should be at the top of your list

There is no doubt that these 12 hidden gems will help you get to know Cincinnati and make it your home in no time. Sometimes, the most wonderful adventures await in places we least expect to find them. With cozy spots to grab a drink and relax, history embedded in every community, and unique places to explore, life in Cincinnati is truly a hidden gem worth exploring.

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Once your small business starts earning a profit, you have to decide if you should distribute those profits to yourself (and any other owners) or reinvest them back into the business.

While it can be tempting to pocket your company’s profits, funneling at least some of that money back into the business is worth considering.

For one, reinvesting can help improve the company or expand operations, leading to even higher profits down the line. For another, reinvested money is generally considered a business expense, which means you likely won’t have to pay income taxes on it.

Read on for a closer look at why you may want to reinvest a percentage of your profits back into your business, how this can impact your business taxes, and ways you might use profits to help expedite business growth.

What Constitutes a Business Profit?

Profit is the money a business pulls in after accounting for all expenses. Any profits earned funnel back to business owners, who can choose to either keep it as earnings, distribute it to shareholders as dividends, or reinvest it back into the business.

Whether you own a small dog grooming business or a multinational corporation, the main goal of any business is to earn money. Thus, a business’s performance is based on profitability. For accounting purposes, companies will often report gross profit, operating profit, and net profit (the “bottom line”).

Recommended: How to Read Financial Statements: The Basics

What Are Businesses Taxed On?

Any profits that aren’t reinvested in a business are typically taxed as income. How that tax is paid depends on the structure of the business.

Most small businesses are pass-through entities, which means that the gains or losses are passed through to the owners on their personal income tax returns. Corporations, on the other hand, pay a flat tax on business profits.

Recommended: 10 Steps to Starting a Small Business

Types of Business Taxes

When we refer to “taxes” for a business, we’re actually using an umbrella term for many different types of taxes a business may have to pay. Let’s take a closer look.

Income Taxes

Income taxes are based on the net income of your business for the tax year. Net income is the same thing as profit (income minus expenses). If you share a business with others, the net income is divided among the owners based on your business agreement. Most small businesses pay both federal and state income taxes.

Estimated Taxes

Employees have taxes withheld from their paychecks, but as the owner of your business, no one is withholding taxes from the money you take out of the business.

Instead, you need to file estimated taxes throughout the year based on the income you have earned up to that point in the year. Typically, federal and state estimated tax payments are due on April 15, June 15, September 15, and January 15 for the previous tax year.

Self-Employment Tax

Employees generally have Social Security and Medicare taxes withheld from their paychecks. If you are a self-employed business owner, however, you must calculate and pay your own Medicare and Social Security tax through self-employment taxes.

Excise and Sales Taxes

Depending on which state you operate in and what type of goods or service you sell, you may need to set up a system to collect sales tax from your customers and report and pay that tax to your state.

You may also need to pay federal and local excise taxes. An excise tax is a legislated tax on specific goods or services, such as fuel, tobacco, and alcohol.

Payroll Taxes

If you have employees, you must withhold payroll taxes from their paychecks and pay applicable federal, state, and local taxes. The taxes usually withheld from employee paychecks include FICA (Medicare and Social Security taxes) and federal, state, and local income taxes. Employers and employees each pay half of the FICA tax.

Recommended: 3-Year Business Plan Structure

How to Reduce Taxable Income

As a business owner, there are many strategies you can use to reduce the portion of your business income (or profits) that can be taxed. Here are some you may want to consider.

Reinvesting Business Profits Into the Business

Reinvesting means retaining net profits (the income left over after all operating costs and overhead are paid) and investing them in activities or expenses that can help increase the value of the business. As a business expense, reinvested income generally isn’t taxable.

You may, however, want to reinvest only a portion of your profits and look for other ways to infuse capital into the business, such as applying for a small business loan. Interest paid on business loans is typically tax deductible as a business expense.

Finding Deductions

There are numerous business tax deductions you may qualify for and, when you add them all up, they can amount to a significant reduction in your taxable business income. Here are some of the most common small business deductions:

•  Inventory

•  Business property rent

•  Startup costs

•  Utilities

•  Company vehicle expenses

•  Insurance

•  Rent and depreciation on equipment and machinery

•  Office supplies

•  Furniture

•  Advertising and marketing

•  Business entertainment

•  Travel expenses

•  Interest paid on all types of small business loans

Tax Audits

As a small business owner, it makes financial sense to explore all your options for reducing your tax bill. However, when it comes to deductions, you need to be careful. It’s particularly important, for example, to keep your business and personal expenses separate. If your deductions look suspicious to the IRS, the agency could potentially audit your business.

Investing in Employees

One great way to reduce your company’s taxable income is to invest in your employees. Generally speaking, any wages, bonuses, or other compensation you pay your workers in a given year are tax deductible as a business expense. That includes any fringe benefits you offer — such as gifts, health plans, and employee discounts — as well.

Rewarding your workforce can do more than lower your tax liability, however. It can also help boost their morale, increase productivity, attract the top talent, and grow your business.

Choosing Purchases and Investments Wisely

While it’s clearly important to invest in your business, the question remains: Where should you focus your funds? Here are a few purchases and investments you may want to consider.

•  Equipment: It can be smart to reinvest profits into new machinery and equipment as your current assets age and become expensive to maintain. Upgrading equipment can increase efficiency and help you stay on the cutting edge of your industry.

•  Software: Investing in software, such as payroll and accounting software, can help streamline tedious tasks and free you up to focus on more important matters, such as growing your business.

•  Inventory: In some cases, using business profits to buy more inventory can be a smart business move. If you often sell out of popular products, for example, beefing up inventory can help you capture sales you’ve been missing out on.

•  More marketing: You might consider hiring a marketing professional or agency to help create buzz about your business, improve search rankings, and expand your customer base.

Recommended: Business Cash Management, Explained

Tax Planning Strategies

One of the best ways to make your business tax efficient is to pay attention to tax credits and not just deductions.

Tax credits are particularly valuable because, unlike deductions, which reduce your taxable income, credits reduce your tax bill on a dollar-for-dollar basis. For example, if your small business owes $25,000 in taxes, a $5,000 tax credit means you can subtract $5,000 from your tax bill and only owe $20,000.

There are a number of tax credits your business might qualify for, including:

•  Credit for Small-Business Health Insurance Premiums

•  Employer Credit for Paid Family and Medical Leave

•  Work Opportunity Credit

•  Credit for Increasing Research Activities

•  Disabled Access Credit

•  Credit for Employer-Provided Childcare Facilities and Services

•  New markets credit

The Takeaway

It takes hard work to establish and grow your business. Once you’re able to cover all your expenses, pay yourself a salary, and still have money left on the table, it may be time to consider putting that extra money into your business.

Reinvestment means pouring a percentage of your company’s profits back into your business. It can be a great way to increase the value of your company and to help your company grow. What’s more, reinvesting can reduce your business tax liability at the end of the year, for the ultimate win-win.

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.

With SoFi’s marketplace, it’s fast and easy to search for your small business financing options.

FAQ

How much is a small business able to make before paying taxes?

A small business generally must pay taxes on any profit it earns, but the specific amount before paying taxes depends on deductions, credits, and the business structure. For self-employed individuals, income over $400 is subject to self-employment tax, while other tax obligations vary by income and state laws.

What does the 20% business tax deduction do?

The 20% business tax deduction, part of the Qualified Business Income (QBI) deduction, allows eligible small businesses to deduct up to 20% of their qualified business income from their taxable income. This reduces their overall tax liability, promoting business growth and investment.

What is a business write-off?

A business write-off is a tax deduction that allows businesses to subtract certain eligible expenses from their taxable income. Common write-offs include operating costs, rent, supplies, meals, startup expenses, employee salaries, and more. These deductions reduce the overall tax liability by lowering the business’s reported income.

Can you invest business profits to avoid taxes?

Yes, you can reinvest business profits into the company to reduce taxable income, but you cannot avoid taxes as a small business owner. While reinvesting can lower taxes, it doesn’t fully eliminate tax obligations, as profits are still subject to applicable tax laws and limits.

Photo credit: iStock/Andrii Yalanskyi

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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.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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Source: sofi.com

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If you’re considering living in Lancaster, you’re probably wondering, what makes locals love this city? Located in the heart of Pennsylvania’s Amish country, Lancaster offers a blend of historic charm and modern conveniences. 

Before making a move, it’s important to weigh the pros and cons of living in Lancaster so you can make an informed decision.

Lancaster at a glance

Walk Score: 81 | Bike Score: 58
Median Sale Price: $275,000 | Average Rent for 1-Bedroom Apartment: $1,659
Houses for rent in Lancaster | Apartments for rent in Lancaster | Homes for sale in Lancaster

1. Pro: Affordable cost of living

Lancaster’s cost of living is lower than many cities in Pennsylvania, making it appealing to budget-conscious residents. Rent and groceries are reasonably priced compared to larger cities. 

2. Con: Limited public transportation

Public transportation in Lancaster is limited. The bus system, while useful, doesn’t cover all areas comprehensively. If you live outside the city center, having a car becomes necessary to navigate daily life.

3. Pro: Scenic outdoor spaces

Living in Lancaster gives you access to stunning countryside and well-maintained parks. The nearby Susquehanna River is a great spot for hiking, fishing, and boating. Parks like Long’s Park provide free summer concerts and spacious picnic areas, giving residents ample space for  outdoor activities.

4. Con: Quiet nightlife 

Nightlife for people in Lancaster doesn’t doesn’t quite reach the level of those living in Pittsburgh or Philadelphia. If you prefer a real lively nightlife, the city may feel a bit slow after dark. Though there are local bars and restaurants, most establishments close early.

5. Pro: Historic charm

Lancaster is steeped in history, with well-preserved brick buildings dating back to the 18th century. Living in Lancaster allows you to enjoy the charm of cobblestone streets and historic homes. Places like Central Market, one of the oldest continuously operating farmers markets in the country, highlight the city’s fascinating past.

6. Con: Limited job market

While Lancaster has a growing economy, the job market remains limited in certain industries. Major employers include healthcare and manufacturing, but those in tech or finance may struggle to find as many opportunities. This can make it difficult for specialized professionals to find the right fit.

7. Pro: Thriving local food scene

Lancaster is known for its fresh, locally sourced food, with plenty of farm-to-table dining options. The Central Market features fresh produce, meats, and homemade goods directly from local farmers. Beyond that, tons of restaurants incorporate seasonal ingredients, giving foodies a variety of tastes to experience.

8. Con: Traffic during tourist season

Lancaster attracts a good amount of tourists, particularly to its Amish attractions. During peak tourist season, especially in the summer and fall, traffic can become a headache. Roads near popular sites, like The Amish Farm and House and Central Market, can be congested, slowing down your daily commute.

9. Pro: Family-friendly 

Families find Lancaster a great place to raise kids due to its excellent schools. The city offers plenty of family-friendly events, including festivals and fairs, and attractions like the Lancaster Science Factory. 

10. Con: Winter weather

Living in Pennsylvania means enduring cold and snowy winters. Snowstorms can disrupt daily life, especially for those unaccustomed to harsh winters. Clearing snow and navigating icy roads may become challenging, and the cold can linger into early spring.

11. Pro: Access to major cities

Though Lancaster exudes a small-town feel, it’s conveniently located near some of the largest cities in Pennsylvania. Friends living in Philadelphia are about an hour and a half away, making weekend trips easy. You can also reach Baltimore or Washington, D.C. within a few hours, providing access to more urban amenities without living in a crowded city.

12. Con: Lacking entertainment options

Entertainment options in Lancaster are somewhat lackluster when compared to larger cities. While there are theaters, museums, and galleries, choices for more niche entertainment may not be as abundant. 

13. Pro: Strong sense of community

One of the best parts of living in Lancaster is the strong sense of community. Many residents have lived here for generations, fostering a welcoming, close-knit atmosphere. From local events to neighborhood gatherings, Lancaster residents often form tight connections with their neighbors.

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

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Fiji is a true Pacific paradise with two main islands and several smaller islands with stunning scenery and resorts large and small.

As the country’s tourism numbers grow, so do the number of international hotel brands with popular loyalty programs. This means vacationers (or those looking to work remotely in the tropical breeze) have plenty of options.

Most of the familiar resort brands are in the Denarau area, which is about 20 minutes from Nadi International Airport, although there are others. If you’re looking for a great option for a trip to Fiji, a destination whose motto is “Where happiness comes naturally,” here are some of the best hotels in Fiji to consider.

ALL – Accor Live Limitless

ALL – Accor Live Limitless is the loyalty program from the Accor brand, which offers the chance to earn points during a stay or redeem them for cash discounts. Accor has some of the best hotels in Nadi, Fiji, like the Novotel Nadi near the airport and Mercure Nadi, which are budget options without direct beach access.

Sofitel Fiji Resort & Spa

(Photo courtesy of Accor)

Sofitel is an upscale and luxury brand from Accor that leans into its French heritage and is one of the best hotels in Fiji. Its properties around the world offer French cuisine, style and even a French welcome of “bonjour.”

The Sofitel Fiji Resort & Spa enjoys a beachfront location, an enormous swimming pool, family activities with an organized kids club and teenage club, a nightclub and a beachfront seafood restaurant.

Because of the way ALL points are redeemed, there is no award chart for redemptions. Instead, members use their points to reduce the cost of their overall bill by about $45 (40 euros) for each 2,000 points redeemed.

Hilton Honors

With two resorts to choose from, Hilton Honors members can select between a property in the Denarau area or on Sonaisali Island. Coming soon is another of Hilton’s many brands when a Hilton Garden Inn eventually opens in the capital city of Suva.

Hilton Fiji Beach Resort and Spa

(Photo courtesy of Hilton)

This Denerau property enjoys seven swimming pools, a kids club and a private stretch of beach. Nearby shopping and dining make this a popular location for tourists. Hilton Honors uses a dynamic pricing model, which means the cost in points can vary depending on the room type and date.

On the random dates we checked, the average price for an award stay was 55,000 points.

DoubleTree Resort by Hilton Hotel Fiji – Sonaisali Island

(Photo courtesy of Hilton)

The DoubleTree Resort by Hilton Hotel Fiji – Sonaisali Island overlooks the Mamanuca Islands and is about 25 minutes from the international airport. To reach the resort, a three-minute boat ride takes guests from the main island of Viti Levu to Sonaisali Island.

While the rate for a redemption night at this resort varies by date, on average, it is around 40,000 points per night.

And of course, all arrivals receive the famous DoubleTree by Hilton cookie as a special bonus.

IHG One Rewards

IHG has several properties in Fiji representing several of its brands. In addition to two resorts near Nadi, there are two hotels in the capital city of Suva. A Six Senses is also coming to the country soon, representing IHG’s luxury resort partnership.

Crowne Plaza Fiji Nadi Bay Resort & Spa

(Photo courtesy of IHG)

The Crowne Plaza Fiji Nadi Bay Resort & Spa on Wailoaloa Beach counts seven swimming pools among its roster of amenities, including one dedicated exclusively for adults and another with a swim-up bar. Some of the resort’s two-bedroom suites also have direct pool and beach access from the guest room.

Since IHG uses dynamic pricing for its award redemptions, the cost in points will vary based on the dates of your stay. On the random dates we checked, a one-night standard room redemption started at 44,000 points.

InterContinental Fiji Golf Resort & Spa

(Photo courtesy of IHG)

InterContinental Fiji Golf Resort & Spa is another option for earning and redeeming those valuable IHG One Rewards points. Its 35 acres lie along Natadola Beach, which is protected by a natural reef that gives the water an incredible blue color.

IHG One Rewards uses a dynamic pricing model for award redemptions, and on the random sampling of dates we checked, the rate was between 47,000 and 51,000 points per night.

Marriott Bonvoy

The Marriott Bonvoy program has many properties in Fiji. All of them are on the main island with the exception of Sheraton Resort & Spa, Tokoriki Island, which is only partially open because of renovations. Westin Denarau Island Resort & Spa is closed for updates with plans to open in 2025.

Sheraton Fiji Golf & Beach Resort

(Photo courtesy of Sheraton)

Sheraton Fiji Golf & Beach Resort is one of the major players along Denarau Beach, and its impressive convention facilities keep its various wings busy with group business. Beachfront swimming pools, including one reserved for adults, have a beautiful view, and the resort recently added beachfront cabanas. The various grass lawns between the accommodation buildings also have lounge chairs for those seeking extra privacy.

Marriott Bonvoy uses dynamic pricing, and the cost of a room night will vary based on the date. For example, a one-night redemption on the dates we checked cost 46,000 points.

Fiji Marriott Resort Momi Bay

(Photo courtesy of Marriott)

Perhaps the darling for Marriott Bonvoy in Fiji is Fiji Marriott Resort Momi Bay, which is the only resort on the mainland to offer overwater villas. These are in a lagoon, which makes them a little different from what you might find in the Maldives, for example, which are in the open ocean.

On the dates we checked, a standard room went for 44,000 points, based on Marriott’s dynamic pricing model.

Radisson Rewards

Fans of Radisson will find its branding in Denarau, but a second property will open when the Radisson Blu Mirage Resort, Fiji Naisoso Island, opens in 2026.

Radisson Blu Resort, Fiji Denarau Island

(Photo courtesy of Radisson Blu)

The Radisson Blu Resort, Fiji Denarau Island is spread across 10 acres with a private beach, sprawling pools, towering palm trees and waterfalls. Families will love the kids club plus four pools, one of which has a whitewater tunnel slide.

Radisson Rewards uses a dynamic pricing model that determines the number of points based on the room rate. On the dates we checked, the average number of points for a one-night redemption was about 132,000 per night.

World of Hyatt

Hyatt’s acquisition of Mr & Mrs Smith brings a new country to its destination list. There are three properties that participate in the partnership and give World of Hyatt members a chance to earn and redeem points.

Royal Davui Island Resort Fiji

(Photo courtesy of Hyatt)

This adult-only all-inclusive resort is on a private island with only 16 suites in individual villas, each with private terraces and whirlpool tubs.

World of Hyatt is alone in that it still uses an award chart to price redemptions, but Mr & Mrs Smith properties use dynamic pricing. This means you won’t be able to score a super-high-value redemption since you will be paying in points a rate that is tied to the cash rate.

Credit cards for booking stays in Fiji

If you want to bank a bunch of points quickly to get you to Fiji sooner rather than later, consider opening a credit card that earns points you can redeem at the properties you’re interested in. Here are a few options:

Hilton Honors American Express Card

IHG One Rewards Premier Credit Card

on Chase’s website

Marriott Bonvoy Bountiful™ Card

World of Hyatt Credit Card

on Chase’s website

Annual fee

Welcome offer

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.

Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Still not sure?

Terms apply.

How to use miles to get to Fiji

While no U.S. carrier flies to Fiji, you can get to the best luxury hotels in Fiji via its national airline, Fiji Airways, which flies to Los Angeles, San Francisco and Honolulu with plans to add Dallas/Fort Worth soon.

The airline will soon use American AAdvantage as its loyalty program. This means members will be able to earn and redeem American miles as well as Loyalty Points and elite status when flying Fiji Airways. For example, a one-way flight in business class from the U.S. to Fiji costs 80,000 miles using AAdvantage miles. Once in Fiji, you can also use miles to connect to other islands or regions of the South Pacific.

To view rates and fees of the Hilton Honors American Express Card, see this page.

How to maximize your rewards

Source: nerdwallet.com

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Categories

Real Estate

September 20, 2024
by Mark Ferguson

Let’s dive into how interest rates are affecting the real estate market, particularly from an investor’s point of view. I’ll use an upcoming property purchase as an example to show how high versus low interest rates can make or break an investment.

Table of Contents

Video: Does it Still Make Sense to Invest in Rental Properties?

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The Property: A Rough Aplex with Opportunity

I’m about to close on an 8-plex (eight-unit building) that’s seen better days. It’s a rough property, but it has a lot of potential. In real estate, you make money by adding value, and that’s exactly what I plan to do. In today’s high-interest-rate environment, it’s nearly impossible to make rental properties cash flow without taking steps to improve them, either by increasing rents or enhancing the property.

This particular property was listed on the MLS, and it’s a rare find in Northern Colorado. Even at $600,000, which is very cheap for an 8-plex in our area, the numbers aren’t great under current conditions. However, that’s why it’s available at a lower price—because it needs work. Let’s look at how interest rates play into the decision to buy a rental property like this one.

InvestFourMore Cash-on-Cash Calculator

How Interest Rates Impact Cash Flow

The cost of borrowing is a huge factor for investors. With interest rates as high as they are today, the numbers on many rental properties simply don’t add up. For this example, I’ll assume a $600,000 purchase price with a 20% down payment, though in reality, I often use private money and refinance later.

  • Purchase price: $600,000
  • Down payment (20%): $120,000
  • Loan amount: $480,000
  • Monthly rent: $4,000

With a traditional 20% down payment, this deal would be tough to justify right now. The property brings in $4,000 per month in rent, but the mortgage and expenses eat up nearly all of that income, especially with current interest rates. If you were to pay all cash for the property, your return on investment (ROI) would be an abysmal 2.2%, which is well below inflation and far from ideal for any investor.

InvestFourMore Cash Flow Calculator

Additional Costs to Consider

Investors should also be aware of additional expenses beyond the down payment. You’ll need to factor in closing and loan costs, which can add up quickly. These might include:

  • Appraisal fees
  • Prepaid interest
  • Insurance
  • Taxes
  • Loan origination fees
  • Title costs
  • Improvement Location Certificate (ILC)

In total, you’re looking at an additional 3% of the loan amount, or about $15,000, bringing your initial cash outlay to around $134,000. If you’re financing through a bank, you’ll also need reserves on hand to cover unexpected costs like vacancies or maintenance.

InvestFourMore Cap Rate Calculator

Ongoing Monthly Expenses

Here’s a breakdown of some estimated monthly expenses for this property:

  • Insurance: $500
  • Property taxes: $500 (this is in a small town, so taxes are relatively low)
  • Property management: Even if you manage the property yourself, you need to account for your time.
  • Maintenance: Given the rough condition of this property, maintenance costs could be high, particularly if the property isn’t fully renovated.
  • Vacancies: Vacancies are always a factor. Lower-quality properties tend to have more tenant turnover, while renovated properties attract longer-term tenants.

Before financing, this property is already costing about $2,900 a month to operate. If it brings in $4,000 a month in rent, that leaves just $1,100 a month in profit, or $13,200 a year. For a $600,000 investment, this results in a 2.2% ROI—not nearly enough to make it worthwhile.

The Impact of Financing

Let’s assume you take out a $480,000 loan with an 8% interest rate on a 30-year term, which is typical for investors right now. Your monthly mortgage payment would be approximately $3,522. Combined with the operating expenses of $3,000 a month, your total expenses are $7,000. Since the property only brings in $4,000 in rent, you’d be losing $3,000 a month!

If you plan to hold the property and fix it up, you might be able to increase the rents to $7,000–$8,000 a month. In that case, your cash flow would improve, but you’d still only be earning around $1,000 a month, or a 5% ROI—still not great for the effort and risk involved.

How to Qualify for a Loan on an Investment Property

When Interest Rates Drop

The real opportunity comes when interest rates fall. If rates were to drop to 5%, your monthly mortgage payment would decrease to around $3,000. Now, with $8,000 a month in rental income, your expenses would total $6,000, leaving $2,000 a month in profit, or a 10% ROI. This scenario shows how significantly lower rates can change the profitability of a property.

Building Equity and Future Appreciation

Beyond cash flow, there’s another reason to invest in rental properties: appreciation and equity growth. If I fix up the property and raise rents, other investors may be willing to buy it at a higher price, accepting lower returns in exchange for the improved condition and potential for future appreciation.

For example, if the rents reach $96,000 annually, and the property sells at a gross rent multiplier of 9, the value could increase to around $860,000. After accounting for $100,000 in repairs and additional closing costs, that’s a potential $316,000 gain in equity—a strong outcome for a value-add property like this.

Conclusion

Buying rental properties in today’s high-interest-rate environment is challenging, but there are still opportunities for investors who know how to add value and improve properties. High rates may deter some, but if you can weather the storm and improve the property, you stand to benefit from future rate cuts and potential equity gains. The key is finding the right property, knowing your numbers, and being prepared for the risks and rewards that come with real estate investing.

Source: investfourmore.com

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Do you want to get paid to give advice? A few years ago, I never would have thought that giving advice could turn into a way to make extra money. But after starting my website and sharing what I knew about personal finance, I quickly realized that I could make extra income. It’s amazing how…

Do you want to get paid to give advice?

A few years ago, I never would have thought that giving advice could turn into a way to make extra money. But after starting my website and sharing what I knew about personal finance, I quickly realized that I could make extra income.

It’s amazing how your skills, whether they’re in medicine, cars, law, tech, relationships, or anything else, can become a profitable business. I love helping others and, at the same time, earning money from what I enjoy!

In this article, I’ll go over:

  • Ways to get paid to give advice
  • Type of professionals that get paid to give advice
  • How to get paid giving advice online

How To Get Paid To Give Advice

Here’s a list of 16 ways to get paid to give advice.

1. JustAnswer

JustAnswer is a site that pays people to give advice and answer questions in different fields such as legal, tech, medical, veterinary, antique appraisers, and more.

If you’re an expert in a field that people usually have questions in, you can monetize your expertise on JustAnswer by sharing your expert opinion.

You may be wondering what kind of questions are asked on JustAnswer. Here are a few examples:

  • How much is my antique worth?
  • How can I lower my business taxes this year?
  • What can I do if a sinus infection won’t go away?
  • How do I fix my car’s alternator?

To get started on JustAnswer, you need to go through an application process (with a background check) and get verified that you’re an expert by providing proof of qualifications like degrees, certifications, or other relevant experience.

Recommended reading: 21 Ways To Get Paid To Answer Questions

2. Start a blog

I run a personal finance blog and share advice all the time (and I get paid for it!). Starting a blog is one of the best ways to share your expertise while creating a reliable source of income.

Sharing your expertise and knowledge with a blog is a great way to diversify your income. You can make money blogging by:

  • Affiliate marketing (where you get a commission when people make purchases through your links)
  • Advertising revenue
  • Sponsored content
  • Selling services like coaching
  • Selling products like books or courses

One of the keys to successful blogging is choosing a niche or topic that you’re both passionate about and that has an audience who wants to learn more.

Here are some popular blog niches you can try, depending on your expertise:

  • Education and career – If you have experience in teaching or career coaching, this niche can focus on helping others with their career goals, job interviews, or study techniques.
  • Personal finance – Share tips on budgeting, saving, investing, and side hustles. Many people are looking for ways to improve their finances.
  • Health – Topics like fitness, nutrition, mental health, and self-care are helpful.
  • Travel – If you love traveling, you can start a travel blog, sharing tips on budget travel, destination guides, family travel, or even remote work opportunities.
  • Parenting – This niche covers a wide range of topics, from newborn care and toddler tips to advice for teenagers. You can also write about balancing parenting and work or homeschooling.
  • Food – Share recipes, meal planning tips, or diet-specific content (e.g., vegan, keto, gluten-free).
  • DIY and crafts – Whether it’s home improvement, crafting, or upcycling projects, this niche is popular among creative individuals looking for inspiration and guidance.
  • Lifestyle – A lifestyle blog covers several areas like home decor, fashion, personal growth, and productivity.
  • Tech – If you’re knowledgeable about tech, you can give advice on the latest gadgets, software, app reviews, and even tutorials for beginners.
  • Beauty – This is a highly popular niche where you can share makeup tips, skincare routines, and product reviews.
  • Relationships – Help readers improve their relationships or personal growth by sharing advice on communication, self-improvement, or career development.

You can learn how to start a blog in the free How To Start a Blog Course.

3. Create an online course 

If you’re looking for a passive way to make money by giving advice, creating an online course is a great way to do so.

My sister runs a popular online course and has done very well with it. Over the years, she has helped thousands of people with her business advice for website owners.

You can create a course on topics such as:

  • Meal planning and prep – Teach people how to plan meals, prep ingredients, and create healthy, budget-friendly meals.
  • Parenting tips – Help with topics like raising toddlers, managing screen time, or improving sleep.
  • Home organization – Help people declutter, organize their homes, and create better living spaces.
  • Fitness and wellness – Share workouts, stretching routines, or mindfulness practices like meditation or yoga.
  • Photography basics – Teach people how to use their camera or phone to take better photos. I recently saw a course teaching parents how to take better family photos with their phone, and it looked so helpful!
  • Gardening for beginners – Guide people through starting a garden, caring for plants, and growing their own fruits and veggies.
  • DIY home projects – Sell lessons on simple home improvement or crafting projects, like building furniture or making home decor.
  • Travel planning – Share tips on planning budget-friendly vacations, packing efficiently, and finding fun destinations.
  • Pet care – Teach new pet owners how to care for their animals, including training, nutrition, and grooming tips.

You can sell your online course on your website or course websites like Udemy, Skillshare, or Teachable (Teachable is my favorite course platform).

4. Answer surveys

You won’t get rich by answering surveys, but it’s an easy way to make money by giving your opinion.

Market research companies pay survey sites to find users to complete surveys for them. These paid online surveys help companies make better products and services.

Here are some of the recommended survey companies to sign up for:

  1. American Consumer Opinion
  2. Swagbucks
  3. Survey Junkie
  4. InboxDollars
  5. Branded Surveys

Recommended reading: 12 Best Online Surveys For Gift Cards

5. User Interviews

User Interviews stands out from most market research companies because, rather than paying for typical online surveys, it specializes in focus groups.

This means they seek more detailed feedback from participants on different products and companies. Their studies are usually conducted via phone or video interviews, with the average study paying over $65.

Large companies like Spotify, Pinterest, GoPro, and Amazon use User Interviews to collect market insights. The platform runs over 2,000 studies each month, and last year alone, more than 77,000 participants were paid.

Michelle (my sister as well as the owner of this blog) participated in a focus group through User Interviews and earned $400 for just one hour of work. She said it was simple, and the entire process was completed online through a video call.

You can click here to sign up for free with User Interviews.

6. Financial advisor

Financial advisors are trained professionals who give financial advice to clients. You can make money as a financial advisor by charging fees for your services, receiving commissions on financial products, or both. 

A financial advisor may help with financial planning, retirement, wealth management, insurance, investments, savings, and more.

To become a financial advisor, you need a combination of education and certifications. To get started, you’ll need a bachelor’s degree in finance, economics, accounting, or related field. You’ll also need an internship or entry-level job in finance, banking, or financial planning to get hands-on experience. Most importantly, you’ll need to get certified as a Certified Financial Planner and pass the licensing exams.

As of this writing, the average Certified Financial Planner’s salary is between $66,000-$122,000 a year.

7. Business consultant

One way to make money by giving advice is to start a consulting business and become a freelance consultant.

A business consultant is someone who uses their expertise to help companies improve their business, income strategy, and profitability.

Consultants get paid either by hourly rate, project-based fees, or retainer agreements. Business consultants can also make money by conducting training sessions and workshops for more money.

Business consultants are in high demand as businesses are always looking for ways to improve and make more money.

8. Personal trainer

If you love fitness and working with people, you can try making money as a personal trainer.

Getting a NASM personal trainer certification, which is one of the top certifications in the field is helpful. This is where you’ll dial in form, workout routines, and many other important fitness-related skills.

As a personal trainer, you can make money with one-on-one sessions, group classes, and even online training programs. Trainers typically charge per session or have package deals for multiple sessions. You can also make money by creating workout programs that people can purchase online.

9. Online coach

You can make money working as an online coach through digital platforms.

Some areas that you could coach on include:

  • Life coaching
  • Relationship coaching
  • Business coaching
  • Fitness coaching
  • Career coaching

As an online coach, you can make money with one-on-one coaching sessions, group coaching, or self-paced courses that people can buy directly from you. You can charge people one-time fees, package deals, or ongoing membership subscriptions for continued access to your guidance.

To grow your income, you can use social media platforms to build your brand and get people to trust you, such as by sharing helpful free tips in graphics or captions.

10. HelpOwl

HelpOwl is a platform where you can get paid to give advice online to individuals seeking help with different topics.

To get started with HelpOwl, register on the website and set up your profile. Your profile should showcase your expertise, skills, qualifications, and areas of advice.

You can also determine your fee structure for providing advice whether it’s per session or question.

11. Quora

You’ve likely heard of Quora since it’s a goldmine for getting any kind of question answered, but did you know you can make money with Quora?

Yes, it is possible to make money on Quora through a few different strategies.

Quora has a partner program that lets you make money by asking questions that generate high traffic and engagement to their website. You can get paid based on the ad revenue generated from the questions you ask.

Quora’s partner program is great for anyone who wants to become an online advice giver as you can share your honest opinion or answer a question in a simple comment.

12. Start a podcast 

You can make money selling advice through a podcast.

This method of selling advice takes a lot of work but can be worthwhile if successful.

If you want to start a podcast to give advice, there are many great topics to choose from. You could talk about personal finance, relationship advice, or career coaching. Health and wellness podcasts are popular too, where you can cover fitness, mental health, and self-care. Parenting tips for new parents, small business advice, or life coaching are also good ideas. You could even share tech help, home improvement tips, or legal advice.

Whatever you pick, your podcast can help people improve their lives.

Once you build up your following, you can make money with ads and different sponsorships on your podcast episodes, along with affiliate links. 

13. Start a YouTube channel 

Starting a YouTube channel is another great way to get paid for giving advice, especially if you enjoy talking on camera.

I turn to YouTube all the time when I’m looking for answers and advice. It’s a helpful resource where I can find detailed explanations on just about any topic. Whether I need tips on personal finance, blogging, or even tech solutions, there’s usually a video that walks me through the steps. I love how I can watch experts in action, and it’s a great way to learn something new quickly and visually.

With YouTube, you can create videos in your area of expertise and build an audience of subscribers who value your knowledge. Whether you’re skilled in personal finance, cooking, fitness, or any other niche, there’s probably an audience looking for advice in a YouTube video.

To make money on YouTube, you can monetize your channel through:

  • Ads: Once you reach YouTube’s eligibility requirements, you can earn money from ads that play during your videos.
  • Sponsorships: Brands may pay you to promote their products or services in your videos.
  • Affiliate marketing: Include affiliate links in your video descriptions, earning a commission when viewers make purchases through your links.
  • Selling products or services: You can also use YouTube to promote your own products, courses, or consulting services.

Consistency is key on YouTube, so creating valuable, engaging content that resonates with your audience will help grow your channel and income over time.

14. Share advice on Fiverr

Fiverr is a great spot to sell your advice if you’re looking for an online job.

I searched on Fiverr and found 2,200 listings where people were offering to give advice. The topics included things like relationship advice, tax advice, fantasy football advice, blog advice, business advice, and more.

You simply create a profile and a listing where you share the type of advice you specialize in.

15. Website testing (such as with UserTesting)

Website testing is a simple way to make money by sharing your advice and providing feedback on the website user experience.

There are several well-known website testing sites including UserTesting, TryMyUI, and Userlytics. These sites connect you with people looking for user feedback on their websites and apps. 

By using website testing platforms, selling expert advice, and building a strong reputation, you can successfully make money through website testing and sharing your insights.

16. Mystery shopping

Mystery shopping is a fun way to give your advice and feedback on a customer service experience, product, or store operations. 

As a mystery shopper, your feedback tells companies how well their employees are treating customers, if customers are happy, and if any operational problems need fixing.

There are three different ways to make money mystery shopping including:

  1. Cash and reimbursement (you’ll get paid to do the mystery shop, plus get the service/product for free).
  2. Cash payment (an example would be a phone call mystery shop when you don’t buy anything).
  3. Reimbursement (an example would be a restaurant secret shop – these typically don’t pay any money except for receiving free food).

BestMark is one of the biggest mystery shopping companies with a great reputation, and they have many different kinds of mystery shopping jobs available. Ath Power Consulting is another well-known mystery shopping company that has over 500,000 secret shoppers. They complete over 10,000 mystery shops each month, and they work with many popular companies.

Recommended reading: Want To Make An Extra $100 A Month? Learn How To Become A Mystery Shopper

Frequently Asked Questions

Below are answers to common questions about how to get paid to give advice.

Can you get paid for giving advice? 

Yes, you can get paid for advising in many ways such as consulting (people pay for advice on specific topics), coaching (people paying for expertise in a certain area, like business, relationships, career, and life), and content creation (monetize your advice through blogs, podcasts, social media).

What type of professionals make money by giving advice? 

The kinds of professionals getting paid to give advice include:

  • Consultants
  • Coaches
  • Financial advisors
  • Legal advisors
  • Counselors
  • Health experts
  • Tutors
  • Real estate agents
  • Educators
  • Creative professionals
  • Entrepreneurs
  • Public speakers

As you can see, the list is endless. By using the skills and knowledge you have, you can likely get paid to provide practical and personalized advice to people.

Can I sell life advice?

You can sell life advice if you have valuable life experiences that other people find helpful to learn from. People tend to hire life coaches, mentors, and advisors to help them with life challenges, achieve goals, and find purpose in their lives. 

You can make money selling life advice in several ways including:

  • One-on-one coaching sessions
  • Online courses
  • Books
  • Blogs
  • Podcasts
  • Social media accounts

It’s important to identify your niche and who you want to help. For example, your target audience may be women looking for a career change or people who need help with relationship advice. Focusing on a specific niche will help you stand out from others and market your services more efficiently.

How can you get paid to give advice online?

There are many ways to get paid to give advice from your laptop. JustAnswer is a great way to get started getting paid to give advice and connect you to people seeking help in your field.

If you’re looking for a passive way to make money giving advice, create an eBook, course, blog, or podcast. You can make money by selling your products, advertising, using affiliate links, or creating sponsored content.

Can you get paid to give relationship advice online?

You can get paid to give relationship advice and dating advice by working as a relationship coach through platforms like BetterHelp (as a therapist) or via your own website. You’ll need specific credentials to work on sites like BetterHelp and Talkspace, whereas having a relationship blog doesn’t require certifications, but may be harder to make money at the beginning of starting your business.

How To Get To Give Advice – Summary

I hope you enjoyed this article on how to get paid to give advice.

If you have knowledge in a specific area, you can turn that into a business by giving advice. Whether it’s in fields like medical, legal, tech, personal finance, or relationships, there are many ways to get paid for your skills.

Plus, you can do this either part-time or full-time, so you can choose what kind of hours you want to work.

Do you want to get paid to give advice?

Recommended reading:

Source: makingsenseofcents.com

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Update 9/19/24: Deal is back and valid until November 18, 2024.

The Offer

  • Check your Citi Offers for either 2.5% or 4% back at the Giant or Stop & Shop grocery chain. Offer can be used up to 12 times with max cashback total of $30.

The Fine Print

  • May be redeemed 12 time(s) by the offer end date.
  • Max award is a $30 statement credit.
  • Offer is nontransferable and the enrolled card must be active and in good-standing in order to be eligible for an award. Offers cannot be combined or stacked with other offers. If a merchant processes your online order in separate transactions, you may only earn an award on the first processed transaction if it meets all other offer criteria. Other exclusions and restrictions may apply. We may determine that certain offers are ineligible for an award. We may, in our sole discretion, suspend or deny your eligibility for all or part of the merchant offers program at any time without advanced notice to you.

Our Verdict


Grocery deals are always nice. This one has a respectable $30 max cashback for some real savings.

Frequentmiler notes that there’s also a Rakuten in-store cashback offer for Stop & Shop, as well a SimplyMiles offer. Those two run on the same network so you’ll have to choose which one of those you want.

Source: doctorofcredit.com