The Federal Reserve (Fed) on Wednesday raised the federal funds rate by another 75 basis points, to 3%-3.25%, bringing it back to a level last seen in March 2008.
The decision was expected by most Fed observers, and comes as mortgage lenders and real estate brokerages struggle to adjust to a Fed-driven slowdown of the housing market.
According to the Federal Open Market Committee (FOMC) statement, although recent indicators point to modest growth in spending and production, job gains have been robust in recent months and the unemployment rate has remained low.
“Inflation remains elevated, reflecting supply and demand imbalances related to the pandemic, higher food and energy prices, and broader price pressures,” the FOMC said in the Wednesday statement. “Russia’s war against Ukraine is causing tremendous human and economic hardship. The war and related events are creating additional upward pressure on inflation and are weighing on global economic activity.”
The committee anticipates that ongoing increases in the target range will be appropriate, meaning another 125 basis points in hikes still to come in 2022, with a federal funds rate topping out well above 4%. The FOMC’s Summary of Economic Projections now shows a funds rate midpoint of 4.375% at end-2022 and 4.625% at end-2023.
“No changes were made with respect to their ongoing plans to reduce the size of their balance sheet,” said Mike Fratantoni, the chief economist of the Mortgage Bankers Association. “Rate volatility is high due to both uncertainty regarding the Fed’s next moves and the lack of a steady, consistent buyer for Treasuries, and particularly mortgage-backed securities.”
How will non-QM perform for the rest of 2022?
With inflation and rising rates, non-QM lending has spent the last few months in choppy waters, with some lenders closing their doors. However, the outlook for non-QM for the rest of 2022 is relatively optimistic, according to Acra Lending CEO Keith Lind.
Presented by: Acra Lending
Since the Fed has started a tightening monetary policy to slow inflation, it has resulted in a cumulative 300 bps hike: 25 bps in March, 50 bps in May and three 75 bps increases in June, July and September.
Inflationary pressures resulted from the decision to maintain rates at 0%-0.25% between March 2020 and March 2022 to stimulate economic activity during the COVID-19 pandemic, marking a period of easy money that gave rise to the hottest mortgage market in U.S. history.
Consequently, inflation in the U.S. hit 8.3% in August, down from 8.5% in July but still higher than the 8.1% expected by observers, the Bureau of Labor Statistics reported on Sept. 13. One of the primary drivers has been housing costs, with shelter costs accounting for about 25% of inflation in August. Shelter costs rose 6.2% in August from a year before, and were up from 5.7% in July.
That inflation came in hot raised the specter that the Fed would increase the benchmark rate by 75 or even 100 bps today.
In the housing market, the tightening monetary policy has brought mortgage rates to the mid-6% level and helped bring rents to record prices, according to firms that track the rental market.
Existing-home sales declined in August for the seventh consecutive month and home prices dropped sequentially from July, evidence that the Fed’s policies have cooled the housing market in recent months.
“…famously, houses were selling to the first buyers by 10% above the asked, before they even see the house.”
– Fed Chairman Jerome Powell
According to the Fed’s latest Beige Book report, home sales fell across all 12 Feddistricts and the prospects for future improvement anytime soon are dim as well. “The outlook for future economic growth remained generally weak, with … expectations for further softening of demand over the next six to 12 months,” the report states.
“We’ve had a time of a red-hot housing market all over the country – famously, houses were selling to the first buyers by 10% above the asked, before they even see the house. So, it was a big imbalance between supply and demand and house prices were going up at an unsustainable fast level,” Fed Chairman Jerome Powell said during a press conference. “Builders are having a hard time to find lots, workers and materials.”
But Powell said the deceleration in prices should bring the market closer to its fundamentals, which is a good thing, according to him. “For the longer term, what we need is supply and demand to get better aligned, so house prices go up at a more reasonable pace and people can afford houses. Probably, the housing market needs to go to a correction to get to that place.”
Rate hikes also impact real estate investors. “Debt is becoming very expensive very quickly,” said Veena Jetti, founder of the Dallas-based real estate investment firm Vive Funds. “We will likely see operators that bought in the last few years without interest rate insurance finding it tough to service the debt.”
Whether the latest rate hike has already been ‘baked in’ to mortgage rates remains to be seen. “It’s possible that expectations of a rate hike are already priced into the market, as we just saw mortgage rates hit 6% last week,” said Steve Reich, chief operations officer at Finance of America Mortgage. “Interest rates hitting their highest levels since 2008 coupled with persistent inflation means some homebuyers may take a step back from the market and wait until rates come down. However, there are still opportunities in today’s market for potential homebuyers.”
Marking the 50th anniversary of her groundbreaking book, Fear of Flying, novelist Erica Jong has plenty of things to celebrate.
With a lucrative five-decade career in the span of which she published 25 books, a loving, close-knit family that visits often, and an unforgettable novel that secured her a mention in history books, Erica Jong is now actively documenting her well-lived life in a biography that we can’t wait to get our hands on.
Until that one hits the shelves, we’ll peer into another aspect of the celebrated novelist’s life: her longtime New York City apartment, which recently hit the market for $4,250,000 (Maria Daou of Coldwell Banker Warburg holds the listing).
Photo Credit: Coldwell Banker Warburg
Set on the 27th floor of the highly coveted Imperial House — a white-glove co-op in the heart of the Upper East Side designed by Emory Roth & Sons — the generously sized 3,000-square-foot apartment comes with panoramic views of the city skyline to the west, north, and south.
Unsurprisingly, the novelist’s home is filled with books, with the living room and library both boasting floor-to-ceiling bookshelves that house Jong’s impressive book collection.
The 3,000-square-foot apartment, which we also got a chance to see last year when Jong invited The New York Times inside for an intimate feature into the author’s home life, has 3 bedrooms and 3.5 baths.
According to our sources, Erica and her husband, Kenneth David Burrows, have been calling the apartment home since 1990, when they bought it for $1.494 million.
SEE ALSO: Stephen King’s House is the Beating Heart of Bangor, Maine
The Imperial House unit comes with a functional kitchen equipped with stainless countertops and appliances, ample storage, an extra pantry, a walk-in closet, and a small office nook.
But what caught our eye is the enclosed solarium, rightfully touted as a “serene space where you can relax and soak in the sweeping vistas of Central Park and the vibrant city skyline,” per the listing.
SEE ALSO: Mark Twain’s houses: From his Connecticut mansions to the NY brownstone known as ‘The House of Death’
Photo Credit: Coldwell Banker Warburg
The primary bedroom, with its generous size and southern exposure, includes an en-suite bath and provides excellent closet space. The second bedroom is equally spacious, accommodating a king-size bed, a walk-in closet, and an adjacent bathroom.
Photo Credit: Coldwell Banker Warburg
But the list of perks extends beyond the doors of the celebrated author’s apartment.
The Imperial House co-op offers its residents quite a few fantastic amenities and services, including concierge service, full-time doorman and elevator operators, a state-of-the-art fitness center, a yoga studio, a game room, and tailor/dressmaker services on-site.
More stories you might like
‘The Martian’ author Andy Weir lists ‘Home Alone’ lookalike houseWhy Stephen King’s House is the Beating Heart of Bangor, Maine Mark Twain’s houses: From his Connecticut mansions to the NY brownstone known as ‘The House of Death’ ‘Rich Dad, Poor Dad’ author Robert Kiyosaki selling oceanfront home in Hawaii for $7.35M
My mother was quadriplegic by the time I was in high school. My dad was a real estate agent who worked on commission, so he worked long hours to make ends meet. As a result, I took on a lot of responsibility at a young age.
I cooked and cleaned and did all the grocery shopping. I did the laundry and paid the bills (in the “balancing the checkbook and writing the checks” sense, not the earning money sense). I took my mother to the bathroom, fed her, and tracked her pill regimen. And most importantly, I believed that a college education was a good value.
I knew my parents couldn’t afford to send me to college, and I wasn’t allowed to have a job because of my responsibilities at home. So in lieu of saving for college, I threw myself into everything school had to offer.
I was salutatorian. I was on the dance team and the academic team. I was secretary of the service club and president of the math club. And it worked: not only did I get out, I graduated from college with a 4.0. Then I went on to get an MA and a PhD. Unfortunately, I got $100K in debt to go along with it.
I mention this only because it begs the question: what leads a (relatively) smart person to make almost ten years’ worth of poor financial decisions? As immoral as universities may be, there’s more to any individual’s decisions than external influence.
Undergrad: An Auspicious Beginning?
When she was young and healthy, my mother had a full ride to Boston University. She dropped out because she wasn’t doing well in her pre-med classes; what she really enjoyed was writing. I remember asking her, “Why didn’t you just change your major?” She said it never occurred to her.
She eventually did get an Associate’s degree from the local community college. However, she always regretted not completing a Bachelor’s degree. Her experience led her to believe that the best degree was the one that you finished. She also believed that if you picked something you enjoyed, you were more likely to do well and be happy.
When I started thinking about college, my dad said “smart people major in business.” He suggested, “not that I’m telling you to follow in my footsteps, but female real estate agents make a lot of money.” My mom would nod sagely at his advice. Then after he left the room, she would stage-whisper, “do whatever makes you happy!”
I attended a state school, since the Florida Bright Futures lottery scholarship paid for 100% of my tuition and a book allowance. I was a National Merit Finalist. I received Pell grants and a variety of other scholarships. Since my education was paid for regardless of major, I followed my mom’s advice and did what made me happy. I was a creative writing major and a psychology minor. I worked as a server and a tutor at the writing center. As a result, I graduated with no debt.
Grad School: The Downward Spiral Begins
I was intimidated by the thought of graduating and getting a “real job.” Instead, I decided to keep doing what I had always been successful at: school. I started an MA in creative writing. I also worked on campus 35 hours a week, teaching and tutoring. However, graduate tuition was expensive. Luckily, Stafford was there to fill the hole. I knew it was a loan, but I’d never borrowed any money before. I didn’t have a concept of what borrowing really meant in terms of paying it back.
During this time I loved my job so much that I decided I wanted to run a writing center. My boss had a PhD in rhetoric and composition. I researched programs, applied to three, and accepted an offer from a top five program. It entailed moving across the country, which I couldn’t afford; I wouldn’t get financial aid until fall. Enter credit card debt.
The cost of living in my new city was also much higher. Again, Stafford and Visa filled the hole (though there were still a couple of weeks between moving and financial aid kicking in where I didn’t wash my hair because I couldn’t afford shampoo).
Yes, I was taking out more loans. But I was only making $14,000 a year and my paychecks were $750 apiece. The average starting salary of $50,000 was three and a half times what I was making. That could only mean my paychecks would be three and a half times bigger. Right?
Somehow the fact that this $14,000 was spread over nine months instead of twelve didn’t seem significant. Taxes and payroll deductions for things like health insurance weren’t even on my radar. I also don’t recall a single time when I saw a total of how much I’d borrowed until my degree was almost complete.
Graduation Approaches: I’m in Over My Head
Even when I saw my total of about $100,000, it was poor math all the way. I thought, Okay, I was in grad school for eight years. That means I borrowed an average of $12,500 per year. I was also making $14,000 per year during that time, so my average income was $26,500 per year. But soon I’ll be making $50,000. That’s twice as much! This is no problem.
My program also claimed it had a 100% tenure-track job placement rate. It didn’t occur to me that this couldn’t be possible until after I was advanced to candidacy and took a job search class. Then, this statistic was amended to “100% of students who wanted to be on the tenure track ended up with tenure-track jobs.” Who doesn’t want tenure?! I thought. This won’t be me. This is no problem.
I did know, of course, that getting a PhD in the humanities wasn’t going to make me rich (although the professors in my program all had 3000+ square foot homes in the nicest area of town). But it was more important to be happy than to be rich. Besides, I grew up poor. I was familiar with it. It didn’t sound scary.
Then I went on the job market. My hottest lead turned out to be in Punxsutawney, Pennsylvania, and I had a few realizations. I didn’t want to live 200 miles from the nearest urban center. Not only that, I couldn’t even if I wanted to: Jake and I had been dating for over a year. Our relationship was getting serious enough that he needed to be a factor in my plans.
By this time he’d graduated from law school and had a job making $90,000 per year. He was traumatized from the bar exam. The thought of taking another one only a year later gave him cold sweats. Even if he was willing to do it, he couldn’t afford to make much less. A salary of $90,000 a year would be impossible to come by in a tiny rural town. Now my job search was what they called Geographically Restricted. That’s academic speak for “it’s your own fault if you don’t end up on the tenure track.”
Suddenly, Unexpectedly
So I moved to Jake’s city and geared up for another year on the job market. I got a full-time administrative position in summer 2008, right before the economy tanked. The week after they hired me, my institution implemented a hiring freeze. Six months later, they instituted furlough.
I combed the national job lists in my field, but I was Geographically Restricted. Even if I wasn’t, it was one of the worst job markets in memory (and memory didn’t have a lot of good years anyway). And then, there was the unexpected — though, given that I think I’m psychologically predisposed to happiness, maybe I should have expected it.
It turns out I LOVE my job. I love the work I do and the people I work with. I love the city I live in (even if it’s 109 degrees outside right now). I have family in the area. Jake grew up here. At this point, he has over five years of business connections here, and I have four.
At some point, the the life I was living “for now” had become The Life I Want to Live. I have a ten minute commute. I leave work at 5 p.m. every day and don’t need to think about it until the next morning. I don’t check email during my off hours. I don’t work in the evenings. I have pets, I am a hobby chef, I read novels. I think I would have enjoyed the tenure track, but I don’t need it to be happy.
I just need to get our financial situation under control so I can keep living this life.
What About You?
This is my story. This is only my story. I cannot speak for others with student loan debt. But I know many, many people with high student loan debt (including lots of folks with totals higher than mine). So I know you’re out there, fellow student loan debtors!
Let’s build on last week’s discussion (go check out the comments there as well!). What’s your situation? How is it different than mine? How is it similar? I am especially interested in:
Your total student loan debt
What degree(s) you have
When you went to school
Whether anyone talked to you about student debt or the job prospects in your field
Whether the information you received about student loan debt or the job prospects in your field was accurate
What you wish you had done differently/advice for others
How you’re dealing with your debt
There are obviously many decisions I could have made differently. It’s undeniable. But since I can’t go back in time and make different decisions, I’m declaring a statute of limitations on regret. Plus, I’m taking responsibility for my errors in judgment and paying the loans back. I have to, since you can’t discharge student debt in bankruptcy.
However, as Robert Brokamp pointed out, there are systemic problems with student debt in this country (check out this paper for some facts on six-figure student loan debt). Those of you who have been through the system, how would you change it?
Myrtle Beach is one of the most popular vacation destinations on the East Coast of the United States, and for good reason. With its stunning beaches, family-friendly attractions, and fantastic dining and shopping options, it’s no surprise that millions of visitors flock to this South Carolina city each year.
When it comes to choosing the perfect place to stay, there are plenty of options to suit every traveler’s style and budget. Whether you’re looking for a luxurious resort experience, a cozy beachfront condo or a budget-friendly hotel room, Myrtle Beach has it all.
Here are some of the best hotels in the bustling Southern beach town.
Marina Inn at Grande Dunes
Myrtle Beach, South Carolina, USA
THE MARINA INN AT GRANDE DUNES/FACEBOOK
Best for: Travelers looking for an all-around well-balanced experience.
Why stay here: The Marina Inn at Grande Dunes is centrally located between North and South Myrtle Beach, and the property’s award-winning WaterScapes Restaurant is worth the stay alone.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
Situated by the serene waters of the marina, the Marina Inn at Grande Dunes boasts a luxurious experience for every guest.
With warm and inviting rooms adorned with high-thread-count linens, en suite bathrooms and private terraces overlooking the marina or water, relaxation is inevitable. Studios and suites come equipped with kitchenettes or full kitchens, perfect for guests seeking an extended stay.
As the sun sets, guests can indulge in the evening turndown service, setting the stage for a peaceful night’s sleep. In addition, the hotel offers an impressive golf course, indoor and outdoor pools, and a 24-hour fitness center.
Beach lovers can bask in the sun on the hotel’s private stretch of sand. On-site activities like water sports, nature trails and tennis courts ensure guests will never have a dull moment. The hotel’s spa offers a range of treatments for those seeking some R&R, although at an additional charge.
When it’s time to eat, sample local seafood, burgers and salads at the hotel’s signature restaurant WaterScapes, or enjoy a cocktail and light bites waterside at Anchor Cafe or Reflections.
Rates for the Marina Inn at Grande Dunes start at $126 or 15,200 Stash Hotel Rewards points a night.
Sign up for our daily newsletter
Ocean Reef Resort
Myrtle Beach, South Carolina, USA
THE OCEAN REEF RESORT/FACEBOOK
Best for: Families with kids who love water parks.
Why stay here: A lazy river, water park and easy access to the beach make Ocean Reef a great place for the entire family.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
Just 6 miles from the bustling Myrtle Beach Boardwalk and Broadway at the Beach, Ocean Reef Resort is a casual, high-rise resort that offers a laid-back atmosphere.
The bright and airy rooms, many with balconies offering stunning ocean views, are stylish yet practical with minifridges, microwaves and coffee makers. Suites and condos provide extra space thanks to living areas with pull-out sofa beds and kitchen facilities, while a few units also offer whirlpool tubs.
In-room Wi-Fi is available in all quarters. Additionally, the resort provides a range of amenities to keep guests entertained. There’s a water park and play area, an indoor pool, a seasonal kids club and beach volleyball courts.
Complimentary DVD rentals and tickets to select local attractions are available. On-property food options include a breakfast buffet at Cafe du Port and casual bites and drinks at the poolside Banana Boat Lounge.
Rates for Ocean Reef Resort start at $99 a night.
Island Vista Resort
Myrtle Beach, South Carolina, USA
THE ISLAND VISTA/FACEBOOK
Best for: Travelers who want a quiet, sustainability-focused resort.
Why stay here: The Island Vista is a restorative resort along a more secluded section of the beach.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
Set against a gorgeous ocean backdrop, the relaxed beachfront Island Vista Resort is the epitome of laid-back luxury.
Within 4 miles of the buzzing Broadway at the Beach and the enchanting Ripley’s Aquarium, the resort’s prime location offers guests the perfect blend of city and seaside.
Each of the resort’s comfortable rooms features a private balcony, flat-screen TV, complimentary Wi-Fi and convenient in-room amenities such as microwaves, coffee makers and minifridges.
For those seeking an extra touch of luxury, upgraded rooms provide awe-inspiring views of the sparkling ocean, while the spacious one- to four-bedroom suites feature full kitchens, living rooms and whirlpool tubs in some upgraded suites.
From casual oceanfront dining in the Cypress Room to poolside sandwiches and salads at Tiki Hut, guests will be well sated. The resort also boasts indoor and outdoor pools, hot tubs, a lazy river and a serene beachfront deck, providing endless opportunities to unwind in style.
For those who want to stay active, the modern gym provides all the necessary equipment, while the on-site spa offers indulgent treatments.
Rates for Island Vista Resort start at $127.50 a night.
Marriott Myrtle Beach Resort Grande Dunes
Myrtle Beach, South Carolina, USA
MARRIOTT MYRTLE BEACH RESORT AND SPA AT GRANDE DUNES/FACEBOOK
Best for: Families that want to pursue their individual interests during the day and relax together at night.
Why stay here: The whole family can choose among championship golf courses, wellness treatments, gourmet cuisine and more.
Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.
This impressive oceanfront property offers guests an array of upscale amenities. Opulent rooms at the Marriott Myrtle Beach Resort & Spa at Grande Dunes are tastefully decorated and well appointed with desks, flat-screen TVs with HD channels and coffee makers.
Some rooms feature private balconies with stunning views of the surrounding area. The hotel’s impressive amenities include indoor and outdoor pools, a 24/7 fitness center and multiple dining options. Wi-Fi is available for an additional fee.
Guests can indulge in culinary delights at the hotel’s four distinctive food and beverage outlets, including all-day dining at Ocean’s on 82nd, or relax with a cocktail at the chic bar. There are tennis courts, a high-end spa with a whirlpool, and beach access, providing almost limitless opportunities for relaxation and rejuvenation.
For business travelers or those looking for event space, the hotel offers 45,000 square feet of flexible meeting space and a business center. A breakfast buffet and parking are available for an additional fee.
Rates for the Marriott Resort & Spa at Grande Dunes start at $185 or 40,000 Marriott Bonvoy Points per night.
North Beach Resort & Villas
Myrtle Beach, South Carolina, USA
NORTH BEACH RESORTS AND VILLAS/FACEBOOK
Best for: Visitors desiring access to a private secluded beach and spacious living accommodations.
Why stay here: North Beach Resort & Villas (formerly the North Beach Plantation) features elegant architecture and private beach access.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
Upon arrival, guests are greeted by a grand lobby that exudes elegance and sophistication. The ambiance is warm and inviting, with plush seating areas and a sparkling chandelier that casts a beautiful glow. The staff is friendly and welcoming, setting the tone for an unforgettable stay.
North Beach Resort & Villas offers a range of exquisite rooms and suites, each with modern amenities and tasteful decor. The rooms are spacious and comfortable, featuring plush furnishings, flat-screen TVs and balconies or patios that offer ocean views. The suites are equally impressive, with fully equipped kitchens, dining areas and whirlpool tubs.
It’s the resort’s amenities that truly set it apart, though. The outdoor pool area is an oasis of relaxation, with a lazy river, hot tubs and plenty of lounge chairs for basking in the sun. The poolside cabanas offer a luxurious retreat from the heat, with comfortable seating and flat-screen TVs to entertain.
The fitness center offers modern equipment and plenty of natural light, while the spa has skilled therapists and rejuvenating treatments. The on-site restaurants, including the acclaimed 21 Main Prime Steakhouse, offer delectable dining experiences.
A significant downside for some is that the property is 25 minutes from the main boardwalk.
Rates for North Beach Resort & Villas start at $149 per night.
Anderson Ocean Club and Spa
Myrtle Beach, South Carolina, USA
THE ANDERSON OCEAN CLUB AND SPA/FACEBOOK
Best for: Travelers who want a resort in the center of Myrtle Beach focused on health and wellness.
Why stay here: In addition to being in the center of Myrtle Beach, the Anderson Ocean Club and Spa provides guests access to its full-service spa.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
This classic all-condo resort boasts luxurious studios and one-, two- and three-bedroom suites, each designed to offer you the comforts of home.
Anderson Ocean Club and Spa provides an array of convenient amenities, including a fully equipped kitchen and a washer and dryer in each unit, so you can make yourself at home and easily prepare a quick meal or do laundry during your stay.
When you’re ready to step outside your room, the resort offers plenty to keep you entertained, such as indoor and outdoor pools, a lazy river, a hot tub and an oceanfront bar.
Awakening Spa is a resort highlight. Its menu features a variety of treatments like the Chamomile Azulene facial and the deep tissue muscle recovery massage. For those who prefer to stay active, the resort is close to nationally recognized golf courses, restaurants and other popular attractions.
Guests also have easy access to Broadway at the Beach and Pine Lakes Country Club, as well as restaurants, shopping and other entertainment venues.
Rates for Anderson Ocean Club and Spa start at $224 or 119,000 Hilton Honors points per night.
Dunes Village Resort
Myrtle Beach, South Carolina, USA
THE DUNES VILLAGE RESORT/FACEBOOK
Best for: Families with kids who want access to Myrtle Beach’s largest indoor water park.
Why stay here: While kids will enjoy the best indoor water slides in Myrtle Beach, adults can relax, thanks to the resort’s quiet location away from the city’s center.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
With free parking and convenient access to Myrtle Beach’s top attractions — just 3 miles from Myrtle Beach Boardwalk — Dunes Village Resort is a top pick for families. The resort also features not one but two indoor water parks with exciting waterslides, a lazy river and even water volleyball and basketball for the more adventurous.
The accommodations are equally impressive, with unfussy rooms offering ocean-view balconies, kitchenettes and comfortable pull-out sofa beds. For those seeking more space and amenities, one- to four-bedroom condos are the way to go. They come with separate living and dining areas, fully equipped kitchens and luxurious whirlpool tubs.
The resort also offers plenty of on-land diversions — a spa, sports and games facilities, two restaurants, a tiki bar and a coffee shop. Want to chill by the pool? Rent a private cabana and level up your poolside experience.
Rates for Dunes Village Resort start at $79 a night.
Marriott’s OceanWatch Villas at Grande Dunes
Myrtle Beach, South Carolina, USA
MARRIOT OCEANWATCH VILLAS AT GRAND DUNES/MARRIOTT
Best for: Families and groups desiring privacy and spacious living accommodations.
Why stay here: Exclusive beach access, an on-site grocery store and private balconies make stays here incredibly convenient — and there’s plenty of space for groups to spread out.
Best way to book: Book directly with Marriott to enjoy elite benefits.
Just a stone’s throw away from the beach, this property offers ocean views, spacious villas and an array of amenities catering to families and couples.
Each villa at Marriott’s OceanWatch Villas at Grande Dunes exudes a sense of modern elegance with its contemporary furnishings, plush bedding, full kitchens and private balconies. The one-, two- and three-bedroom villas can accommodate up to 10 guests and provide a home-away-from-home feel.
Families will love the multiple pools, lazy river and children’s pool, where one can indulge in “aqua-tainment.” Several hot tubs provide the perfect relaxation spot after a long day at the beach. For those who prefer land-based activities, the on-site golf course is a great place to hone one’s swing or take a short drive to other popular courses.
The property also provides easy access to the beach, where guests can revel in numerous water activities, such as parasailing, kayaking and fishing. Resort dining includes the full-service Woodsy Grill & Pool Bar and casual poolside Sand Dollar Grille. Stock up on snacks and groceries at Marketplace Express.
Craving relaxation? Head to the on-site spa for a range of treatments to rejuvenate your body and soul. Guests can stay active at the on-site fitness center.
Rates for Marriott’s OceanWatch Villas at Grande Dunes start at $332 a night. Marriott Bonvoy points are not applicable at this location.
Sea Crest Oceanfront Resort
Myrtle Beach, South Carolina, USA
SEA CREST OCEANFRONT RESORT/FACEBOOK
Best for: Visitors on a budget who want to avoid parting from their pets.
Why stay here: The resort is pet-friendly, affordable and, thanks to its central location, may just be the best value for your dollar in Myrtle Beach.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
This resort offers a variety of accommodations to meet the needs of any party size, from standard efficiencies to spacious one-bedroom suites, all of which have been recently renovated with modern amenities.
Most units at Sea Crest Oceanfront Resort feature kitchenettes or full kitchens, free Wi-Fi and private balconies. With nine pools, two indoor Jacuzzis, lazy rivers and a kiddie-size interactive aquatic playground, guests can enjoy various activities for all ages.
The resort also offers an exercise room, free tennis at a local club and discounts at top area golf courses. Food and beverage options are plentiful, with the Malibu Beach Bar and Oceanfront Snack Shack serving delicious drinks and bites. In addition, the Beach Java Cafe offers a variety of light snacks, coffee and breakfast options.
Guests can also take advantage of the convenience store and gift shop or purchase discounted tickets to local attractions. Beyond the resort, the Myrtle Beach Boardwalk is just a mile away and offers a wide selection of restaurants, shopping and entertainment options.
The Family Kingdom amusement park is also nearby and ideal for family fun, with rides and attractions for all ages. Local favorite eateries like Manny’s Deli and Subs, Loco Gecko and Captain Benjamin’s Calabash are convenient, too.
Rates for Sea Crest Oceanfront Resort start at $59 for a one-room, one-night stay.
The Strand
Myrtle Beach, South Carolina, USA
THE STRAND/FACEBOOK
Best for: Travelers looking for a modern and hip design in the center of Myrtle Beach’s attractions.
Why stay here: The Strand is smartly designed with sleek finishes, modern furnishings and oceanfront balconies that add to its upscale feel.
Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.
One mile from the iconic SkyWheel Myrtle Beach and 5 miles from Myrtle Beach International Airport, The Strand is a low-key property in the popular beach town.
Rooms feature airy, beach-inspired decor with ocean views from furnished balconies. Studios come with a kitchenette and washer-dryer. The one- and two-bedroom suites and condos add separate living rooms and pull-out sofa beds, making them ideal for families or groups of friends.
Start your day here with a complimentary deluxe hot breakfast served in the casual Market Restaurant. After, relax on the beachfront sun deck with private cabanas, take a refreshing dip in the outdoor pool or soak in the hot tub.
Fitness enthusiasts will enjoy the well-equipped exercise room. Guests can also take advantage of the spacious, convenient, covered parking across the street.
Rates for The Strand start at $105 a day for one room.
Homewood Suites by Hilton Myrtle Beach Oceanfront
Myrtle Beach, South Carolina, USA
HOMEWOOD SUITES BY HILTON MYRTLE BEACH OCEANFRONT/HILTON
Best for: Ocean lovers who want to stay in a hotel directly on the beach.
Why stay here: Sleep on the beach, why don’t you? Homewood Suites by Hilton allows guests to stay as close to the rolling waves as possible without getting sand in their ears.
Best way to book: Book directly with Hilton to earn or redeem Hilton Honors points and enjoy elite benefits.
Homewood Suites by Hilton Myrtle Beach Oceanfront boasts a prime location just an 11-minute stroll from the famous SkyWheel, and only 3 miles away from the Hollywood Wax Museum and Myrtle Beach International Airport.
Rooms with city or ocean views are bright and airy and offer modern amenities such as free Wi-Fi, flat-screen TVs, microwaves and minifridges. Families and larger groups will love the one- to two-bedroom suites equipped with sofa beds and kitchenettes, offering a perfect spot to whip up a quick meal while enjoying incredible Atlantic Ocean views.
Guests have access to a range of fun activities such as a water park with slides, poolside games and contests, board games, pool, foosball, pingpong tables and beach towel service (included in the daily resort fee).
A stay here also comes with complimentary breakfast and parking. An indoor water park, game room and gym are ideal for active guests. For food, Coconut Charlie’s Beach Bar serves coastal-American dishes (tacos, fresh seafood and boozy slushies). Hersheys Shake Shop is the spot for cool sweet treats.
Rates for Homewood Suites by Hilton Myrtle Beach Oceanfront start at $179 or 54,000 Hilton Honors points a night.
Ocean 22, a Hilton Grand Vacations Club
Myrtle Beach, South Carolina, USA
HILTON GRAND VACATIONS CLUB OCEAN 22 MYRTLE BEACH/HILTON
Best for: Hilton loyalists seeking family-friendly luxury.
Why stay here: Families will enjoy direct access to the beach, 24-hour concierge service, a kids activity center and poolside games like cornhole without leaving the property.
Best way to book: Book directly with Hilton to earn or redeem Hilton Honors points and enjoy elite benefits.
For those looking to explore the area’s stunning golf courses, lively country music clubs and exciting entertainment options, Hilton Grand Vacations Club Ocean 22 Myrtle Beach’s central location makes it the perfect base for your Myrtle Beach adventures.
Broadway at the Beach is nearby, and guests can indulge in various shopping, dining and entertainment options at their fingertips. Also convenient, the iconic Myrtle Beach Boardwalk is a must-visit attraction for any beach lover. This bustling beachfront promenade is home to lively bars, beachfront eateries, souvenir shops, thrilling rides and an arcade.
With so much to see and do, guests can spend hours exploring all the boardwalk offers. The hotel’s location, just two blocks from the Myrtle Beach Convention Center, makes it the perfect choice for business travelers attending events and conferences in the area.
Guests can retreat to their spacious one-, two- or three-bedroom suite with a fully equipped kitchen and a large master bedroom. Relax and enjoy partial or full Atlantic Ocean views from your open balcony.
Rates for Hilton Grand Vacations Club Ocean 22 Myrtle Beach start at $150 or 71,000 Hilton Honors points a night.
Inside: The top 10 excuses to miss work. Here are some good excuses to use as cover stories for your absence.
Do you have a legitimate excuse to miss work?
There are many reasons why you may have to miss work. If you’re tired, hurt, sick, or otherwise unable to make it in on time, here are some good excuses to call off work that will help cover for your absence.
Your boss is crazy and your co-workers are pushing you to your limit. In reality, they really just want someone else to shoulder the workload while everyone else takes an easier workload.
If so, do not fear. There are plenty of excuses that can be used by people who really want to take sick days or vacation days off from their jobs.
So, on those days when nothing more than staying in bed sounds appealing, then read through these work excuses for a good time! Some may have believable excuses for missing work and have some fun with them!
Not only do these excuses help cover up the real reason why people are absent at work. We all know the Great Resignation is real and people are tired of working. Do really need reasons to call out of work?
Here are the best excuses for missing work…
What is the best excuse to miss work?
Well, honestly, that is the excuse that won’t get you fired.
Below is a plethora of excuses to use to miss work.
Bulletproof excuses to get out of work
The reality is that most people can’t fully enjoy their life without a job. That’s why many jobs are considered essential, like those at hospitals, fire stations, and police departments. Still others, like working at a coffee shop, are just fun.
But what happens when you have to miss work? The next time your boss is looking for someone to cover and you can’t get out of bed, you’ve got to come up with a good excuse.
If your job is anything like mine, there’s always something that needs to be done. And when I say “needs to be done,” I mean that your boss is probably standing over you while you’re doing it. So when you find yourself in a situation where you have to miss work, the last thing you want to do is give your boss a lame excuse.
So when you ever find yourself in a situation where you need to give an excuse for why you don’t want to go to work, this article will help show some good ways to come up with believable and convincing reasons for why you couldn’t make it to the office.
The top 2 best bulletproof excuses to get out of work are…
Specifically… good excuses to call off work last minute examples…
Excuse #1 – I’m sick.
If you’re not calling in sick very often, try to use other excuses like stomach issues or a high fever. It might be more believable since those are common illnesses.
Excuse #2 – I have a doctor’s appointment.
I have a doctor’s appointment and I don’t need to make up any excuses.
Simply put… there isn’t much you can do in this situation. While your employer would prefer if you schedule the appointment on a non-work day, that always isn’t practical.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
This hilarious coloring book for grown ups will create plenty of laughs all round.
Don’t take out your stress on your coworkers, take it out on this mini punching bag!
Other Good excuses to miss work
One should never be left without an excuse as there are many different reasons why you may want to miss work.
Excuse #3 – Pet emergency
Here is the soft spot for 95% of managers…their pets.
If you have a pet emergency and can’t get to the office, send your boss a message that your pet’s condition is worsening and they need to see the vet right away.
Some workplaces won’t mind if you use personal time for routine checkups on pets. A good excuse to leave work early could be just the thing you need.
Excuse # 4 – My car needs repairs
This is one of the easiest excuses to use, with or without a car. If you’re unable to get your car to the shop for repairs, let your boss know ahead of time and give them an estimate as to how long you’ll be out of work.
This will help ensure that your absence doesn’t cause too much disruption in the office.
For many driving a beater car is the norm, so repairs can continually happen.
Excuse # 5- I need to stay home with my kids because their school is closed
Honestly, this has been more true than ever since 2020!
Parents have experienced swift closures of schools for various reasons. If the kids’ school is closed and you need to stay home with them, that’s a valid excuse to miss work.
In fact, many bosses would understand if you needed to take care of your kids during a natural disaster or another emergency. Just be sure to communicate with your boss in advance if possible, and make up the time later on.
Learn specific good excuses to miss school.
Excuse #6 – I need to stay home with my kids because there is no one to watch them.
While this happens, it is also a warning flag for poor planning to make sure you have secured child care in advance.
While there are certainly valid reasons for wanting to stay home with your kids, please do not use any excuses related to your children if you don’t actually have any. This is dishonest and could lead to negative consequences.
Excuse # 7 – Wifi / Internet Issues
Computer-related issues and wifi problems are the top two reasons to call off work. In fact, according to a survey of 2,000 employees, 60% of professionals identify slow wifi or internet connection speeds as one of their greatest problems.
Workflow is impeded by these types of issues, making it difficult for people to get their jobs done. In some cases, employees have no choice but to take the day off.
This has happened in our household when a city contractor cut our fiber internet line.
Excuse #8 – A family member is in the hospital and I need to be by their side
If you find yourself in a situation where you have to take time off from work to be with a family member who is hospitalized, it’s important to communicate with your boss as soon as possible.
Make sure you know what the company policy is for taking time off and be prepared to provide documentation if needed. Let them know how long you anticipate being out of the office and try to keep them updated on the situation.
While family emergencies happen, be wary if this becomes a common occurrence with different members of your family each week.
Learn more about family emergency excuses.
Excuse #9 – There was a major traffic accident on my route to work and it will take hours to clear the roadways.
If you’re looking for a great excuse to miss work, “traffic” is always a good one.
Whether there was a major accident on your route or the roads are just backed up, it’s easy to say that you couldn’t make it in today.
However, with the availability of news and navigation apps, you better make sure this major traffic accident impedes you from getting to work and there are no other routes possible.
Also, be prepared to work remotely.
Excuse # 10 – Court date
Missing your court date isn’t something you want to do. In fact, this is something you should have planned for in advance by taking time off work.
“Contempt” is a charge for not attending court, and it is punishable by law. So, your court date is more pressing at the time.
You should always try to contact your employer as soon as possible to inform them of the situation.
Excuse #11 – Home Emergency
If you own your home, there are always unexpected issues to take care of. Plumbing leaks, broken windows, and faulty wiring can all turn into emergencies if not taken care of right away.
This is one the good excuses to miss work on short notice.
That’s why it’s important to have a plan for when these things happen. Make sure you have a list of contacts for emergency repairs and keep some money saved up in case you need to pay for them out-of-pocket.
Your boss will understand if you have to miss work to take care of an emergency at home – just be sure to mention the emergency problem when you call in sick.
Excuse #12 – Religious holidays
The holidays we celebrate are a reminder of the holidays and traditions of countries all around the world. The holidays that are recognized are usually the common holidays in the country where you are working.
However, if you are from a different country, you may want to recognize a religious holiday that is sacred to you.
This is a protected excuse to miss work. Just say, “I am observing a religious holiday that does not fall on a recognized national holiday.”
Excuse #13 – Mental Health Day
Mental health days are a great way to take a break from work and relax. Sometimes, we all need a day to just forget about our responsibilities and stressors.
If you’re feeling overwhelmed or stressed, taking a mental health day can be incredibly beneficial for your well-being.
This is a great way to take advantage of your sick time.
Bad excuses to miss work
There are a number of reasons why you might not be feeling like coming in to work.
However, it is important to be aware that some excuses may be less convincing than others. Thus, why below are bad excuses to miss work – these should not be used under any circumstance.
Employers may be less understanding if employees give excuses such as “I don’t feel well” or “I don’t have anything to wear.” Also, employers sense when you don’t feel like coming to work, so they might ask for more of a reason.
Poor excuses will make your manager tired of your absenteeism and might end up asking “What’s your excuse this time?”
Bad idea #1 – Feeling tired
There are many reasons why you may feel tired. Some of these reasons may be valid excuses to miss work, while others will not hold up in a court of law.
If you have been feeling tired and are not well-rested, it is best to explain the circumstances to your manager. This will help them understand why you may not be able to come to work.
If you have reasons to believe that your tiredness is a result of burnout or overwork, you may need to make a plan on how to discuss this with your employer.
Bad idea #2 – I just don’t feel like going in today for any reason.
Instead of saying you don’t feel like going in today, try explaining the situation to your boss and see if they will allow you to use a vacation or personal day instead.
Your boss may require a discussion about why you are feeling overwhelmed or what needs to change at work before granting such permission.
This will lead to longer job satisfaction rather than I hate my job.
Bad idea #3 – Unhappy in your job
If you are unhappy in your job, the first step is to schedule a time to talk to your manager about the issues. You may be surprised at how understanding they can be.
There are many reasons that employees may want to get out of work, but those reasons are inappropriate and could lead to disciplinary action such as termination.
If you have already made up your mind about leaving your job, do not use this as a reason for missing work if you are interviewing for another job. If you are granted an interview for another position, use a vacation or personal day.
Bad idea #4 – I overslept and can’t make it to work on time
There are a lot of excuses people use to miss work, but some are better than others. “I overslept and can’t make it to work on time” is not a good excuse.
And at the very least, buy this alarm clock and admit you messed up.
If you struggle waking up in the morning, then try some of these billionaire morning routines.
Bad idea #5 – I had a fight with my spouse or partner and don’t want to be around people
This is one of the most common excuses for missing work. It’s less documented than other reasons for calling out. Your boss should be understanding because this can happen to anyone.
More often than not, these are the times you need the most support even if it is from your co-workers. Going to work will actually be better for your mindset than staying at home.
However, you should not make up excuses to skip work. You will likely be fired if you use these excuses.
Bad idea #6 – Poor planning
It’s not always the case that an employee has missed work because of a one-time mistake. Sometimes, employees take advantage of sick days or vacation time without having a legitimate excuse. This can be damaging to their career and may lead to disciplinary action.
There are many valid reasons to call out of work, not just personal life. Employees should try to plan their absences in advance when possible, so as not to inconvenience their team or boss.
If there is an emergency situation arises, they should contact their supervisor as soon as possible.
Check the most popular planners to stay organized.
Bad Idea #7 – It’s my birthday and I’m celebrating
“It’s my birthday and I’m celebrating! I hope you don’t mind that I’m taking the day off to spend time with my family.”
This may not go over very well if you didn’t plan to take the time off in advance.
While we all what to be treated like a princess on our birthdays, we still have obligations.
This poor excuse should not be used in order to call in with no advance planned day off. Using bad excuses makes it seem like you’re not taking your job seriously and could lead to negative consequences.
Bad idea #8 – I had an unexpected issue arise at my other job or side hustle
While in reality, this may be true, don’t expect to keep the job you are calling into miss work.
There are always going to be unexpected issues that come up when you’re working two jobs or your side hustle. But, there is a reason you are hustling to make more money fast, so you want to keep both opportunities.
If something unexpected comes up and you can’t make it to work, offer to make up the day. By making a proactive solution to the problem, you are less likely to get in trouble and keep both jobs.
Bad idea # 9 – Have Another Job Interview
There is absolutely no reason to tell your current employer that you are looking and interviewing for another job.
That isn’t their business.
It is important not to tell your manager upfront that you are interviewing for another job. Telling your manager you are feeling tired is generally not considered a good excuse to get out of work.
Bad idea #10 – I had the wrong schedule
Forgetting you are scheduled for work is not an excuse to miss work.
Always call in if you are going to miss work, even if it’s just a teen first-time worker.
Nowadays, companies make it very easy to access your schedule and with everything computerized, this bad excuse won’t work anymore.
Bad idea #11 – I don’t like you
If you are having issues with management, take it up with the HR head of the department or speak with an employment lawyer before taking any action.
Dissatisfaction or arguments at work is unfortunately not a valid reason to take time off from work (unless it’s an emergency).
You must follow the company’s procedures when working with a difficult boss.
What to Say If You Miss Work and Don’t Call
Missing work can be a difficult decision to make, but it’s important to know what to say if you need to take that step.
If you don’t call in, you aren’t making things easy on yourself. You’ll have to answer questions about:
why you didn’t show up for work?
how do you plan to make up the lost hours?
how this keeps happening?
If you’re unable to show up for work and don’t want to call in, there are a few things you should keep in mind.
Employers are Desperate
First of all, employers are much more understanding than they have been in the past.
With the current economy, companies are desperate for employees and will tolerate more excuses than they would have in previous years. However, if your employer has higher standards, then these are suggestions for you to follow if you need to miss work without calling.
This is especially true for part-time jobs and jobs making around $15 an hour.
Apologize
Second of all, it’s always a good idea to apologize when missing work–even if it’s not your fault.
A sincere apology is a rarity in our society and may even help your situation.
Also, showing up for extra work when you missed it is a nice thing to do and can help smooth things over with your boss or coworkers.
Be Honest
Finally, if you are going to miss work and not call, be honest about what happened and how your behavior may have impacted the people around you.
Take the high road and call your employer as soon as possible (preferably before the start of your shift) to tell them what happened. Make sure to tell them and ensure that doesn’t happen again in the future.
Employers are desperate for good workers, so they’re more likely to tolerate poor behavior.
Most Common Reasons for Missing Work
There are many reasons why people might miss work, but some of the most common reasons include traffic, oversleeping, bad weather, and feeling too tired.
Other potential reasons for missing work include forgetting something important, being sick or injured, and having a conflict with your boss.
Whatever the reason may be, it’s important to document it properly so that you don’t get in trouble with your employer. If you have to miss work frequently, talk to your boss about setting up a plan for making up the missed time.
How do I get out of work ASAP?
First and foremost, try to avoid writing long stories or emails when trying to get out of work. This will only prolong the process and may raise suspicion. Keep it short and sweet, and be direct with your boss.
Second, make sure that you have a good excuse.
What If I Need to Take Off in Advance
Times have changed and with the new generation, employers are more flexible when it comes to taking time off from work.
In fact, many employers will now allow employees to take a day off without giving any notice at all! This is a great policy because it recognizes that people sometimes need to take care of personal or family matters that come up unexpectedly.
Of course, there are still some employers who require employees to give advanced notice before taking time off. If this is the case for you, don’t worry–there are plenty of ways to get out of work without getting caught!
Simply contact your boss and follow the procedures to take a sick day, vacation day, or just a non-paid day off.
Which of these Believable excuses for missing work will you use?
Missing work can be a difficult decision, but sometimes it is necessary. If you are feeling sick, please stay home. If you have an emergency, please take the time off to deal with it.
When you must miss work, try to provide a valid excuse that is related to your job.
There are all sorts of excuses for missing work, but some are more believable than others.
The list above includes some bad excuses for missing work that are not considered valid reasons.
Your employer will see you as unreliable if you always find yourself with an alarm clock, car, or babysitter emergencies. If your workplace is too challenging and it’s not worth the health risks associated with being sick while working, it may be time to consider looking for a new job.
Are you going to try one of these work excuses?
Know someone else that needs this, too? Then, please share!!
However, not every SkyMiles redemption is a good deal. Sometimes, you can get a better redemption rate when you redeem other miles for Delta flights.
Let’s look at when booking Delta flights through a partner mileage program makes sense — and how you can easily generate those points.
Book short nonstop Delta flights via Virgin Atlantic Flying Club
For short, nonstop Delta flights, you can often save on Delta award flights by booking through Virgin Atlantic Flying Club.
That’s because Virgin Atlantic uses a set distance-based award chart for most Delta-operated flights:
Distance (in miles)
Main cabin
First class
7,500 points.
17,500 points.
501 – 1,000
8,500 points.
27,500 points.
1,001 – 1,500
11,500 points.
40,000 points.
1,501 – 2,000
12,500 points.
45,000 points.
2,001 – 3,000
15,000 points.
52,500 points.
Economy rates start at 7,500 points for flights under 500 miles and increase to a still-reasonable 15,000 points for flights from 2,001 to 3,000 miles. However, Delta first-class awards are prohibitively expensive.
While 500 miles might not sound far, this covers routes like Salt Lake City to Albuquerque — which would otherwise be a nearly 10-hour drive. The 7,500-point rate through Flying Club prices at about half of the price that Delta is charging for the same award.
Longer awards can also make sense, depending on the route. For example, instead of paying 15,000 SkyMiles to fly from Atlanta to Chicago-O’Hare, you could book the same Delta award flights for 8,500 Virgin points.
Even if you don’t typically fly with Virgin Atlantic, you can stock up on Virgin Atlantic points by transferring points at a 1:1 transfer rate from the following transferable point programs:
If you strike out through Virgin Atlantic Flying Club, or you’re booking a connecting flight, consider the next option: Flying Blue.
Book domestic Delta flights via Flying Blue
Flying Blue is another SkyTeam mileage program that you can use to save on booking domestic Delta award flights. While Flying Blue prices Delta award flights based on the route and date, there are still some gems.
For example, take a nonstop award flight from Atlanta to Salt Lake City on Oct. 18. At the time of writing, Delta is charging 32,500 SkyMiles for economy awards on many flights that day.
However, the same award flights can be booked through Flying Blue for 17,500 miles each way — albeit with slightly higher taxes and fees.
Flying Blue can also be a winner for booking connecting flights to secondary cities. For example, Delta is currently charging 32,500 SkyMiles for a flight from Salt Lake City to Myrtle Beach, South Carolina. But you can book award flights on the same route through Flying Blue for 19,500 miles one way.
Another advantage of booking award flights through Flying Blue is how easy it can be to accumulate miles. You can transfer points to Flying Blue from the following programs:
American Express Membership Rewards (1:1 transfer ratio).
Capital One Miles (1:1 transfer ratio).
Chase Ultimate Rewards® (1:1 transfer ratio).
Citi ThankYou Points (1:1 transfer ratio).
Bilt Rewards (1:1 transfer ratio).
Marriott Bonvoy (3:1 transfer ratio with a 5,000-mile bonus for transferring at least 60,000 Bonvoy points).
Flying Delta One to mainland Europe
Another time when using Virgin Atlantic Flying Club to book Delta miles makes sense is for flights to mainland Europe.
For whatever reason, Virgin Atlantic doesn’t apply its distance-based award chart to these flights. Instead, awards price at 30,000 points in economy or 50,000 points in Delta One business class.
These rates can lead to some extraordinary savings.
For example, this economy award flight from New York-John F. Kennedy to Berlin in November requires 30,000 Virgin points versus 70,000 Delta SkyMiles. And the savings are even more exceptional in business class: 50,000 Virgin points versus 240,000 Delta SkyMiles.
Using Aeromexico for certain domestic flights
Lastly, Aeromexico — Delta’s SkyTeam partner to the south — may also come in handy when booking certain Delta award flights. That’s because Aeromexico seems to have access to more award availability than other SkyTeam partners.
However, award rates are dynamically priced, meaning there can be no rhyme or reason as to when it’s better to book through Aeromexico instead of Delta.
While redemption rates might not seem attractive initially, factor in that these redemption rates are in kilometers instead of miles. That’s why American Express Membership Rewards transfer to Aeromexico at a rate of 1 Membership Rewards point to 1.6 Premier points.
So, divide the Aeromexico cost by 1.6 if you’re considering transferring AmEx points to Delta or Aeromexico.
If you’re looking to save miles on Delta flights
While you won’t always save when redeeming other miles for Delta flights, several of Delta’s SkyTeam partners can offer award flights for much cheaper than through Delta. So, it’s worth spending a few minutes checking partner loyalty programs for more affordable rates.
That’s particularly true if you plan to transfer Membership Rewards points to Delta to complete a booking.
All of the alternatives we covered are also transfer partners of Membership Rewards — as well as several other major transferable point programs.
(Top photo courtesy of Delta Air Lines)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Inside: Learn why appreciation matters and how to express it in a more meaningful way. Also, find ways and gifs to say I appreciate you. We appreciate you.
Have you ever been told how much or many things someone has done for you, but it just felt like the person was trying to get something from you?
I know I have.
In a perfect world, we would all be appreciative of what others do for us and those who care about us in our lives. We should never forget that there are people out there doing the best they can with their time and energy (not always easy) because they love us unconditionally.
When you say thank you, it means the world.
People are quick to forget how important people in our lives really are and don’t appreciate them enough. But all that changes when we show appreciation for others; not only do they feel appreciated, but their lives start to revolve around us even more!
In fact, giving thanks and showing appreciation will make you happier (source).
So, how exactly do you say I appreciate you and truly mean it.
What is appreciation?
Appreciation is a feeling of gratefulness for what has been received.
It can be directed towards people, things, or events. When we feel appreciated, it fills us with warmth and happiness. We may find that our attitude and outlook on life become more positive as a result.
The meaning behind the words is powerful.
Why is appreciation important?
There are many reasons why appreciation matters.
For one, it makes the person who is being appreciated feel special and valued. It also helps to build closer relationships between people. When we’re appreciated for our efforts, we’re more likely to try harder next time and to be motivated to do our best.
Furthermore, appreciation can help to smooth over any misunderstandings or hurt feelings that may have arisen previously.
We need to let people know when we do things wrong and apologize for it–and we also need to express our gratitude for the good things they do.
Most importantly, appreciating others makes the world a better place!
There are many reasons why appreciation matters, including the following:
It makes people feel good about themselves and appreciated.
It strengthens relationships.
It motivates people to do more.
It helps people feel more secure in their jobs.
It increases loyalty and commitment to the organization.
It encourages people to go above and beyond the call of duty.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What are some ways to show appreciation?
There are many ways to show appreciation, and you can choose what type of appreciation best suits the person.
Expressing gratitude is important because it lets someone know how much they mean to you.
A thank you note is the most common form of appreciation. Other popular examples of ways to show appreciation include hugs, small gifts, or flowers.
Any act of service is also a good way to show appreciation.
How can appreciation improve our relationships?
When we appreciate someone, it makes them feel good. It shows that we care about them and that we value their presence in our lives. When we take the time to express our gratitude in a thoughtful way, it can really brighten someone’s day and make them feel special.
There are many ways to show appreciation, but some of our favorite methods include sending small gifts, expressing interest in what the other person is saying or doing, and simply asking the recipient what they would like most.
No matter how you choose to do it, being appreciative is a great way to improve any relationship!
A small gesture can go a long way.
In fact, expressing gratitude will improve your relationship.
Ways to Say I Appreciate You
There are many ways to show appreciation for someone, and it often depends on your relationship with that person.
Tell them you appreciate something they did or said.
Here are ways you can verbally say I appreciate you:
“Thank you.”
“Thank you so much.”
“You really came through for me and helped me out.”
“I am so grateful for you.”
“You don’t know what this means to me.”
“I appreciate you taking the time for me.”
“You are so generous.”
“You are so thoughtful.”
“You are amazing.”
“Wow, I am speechless.”
There are thousands of ways to say “I appreciate you.” The key is in your delivery of the message. Non-verbal communication is more important than the words that come out of your mouth.
Here are some other popular ideas to show you appreciate someone:
Write a heartfelt letter (or email) expressing your gratitude.
Thank people in person.
Give them a pat on the back or high five.
Bear hugs are always loved!
Make a donation in their name to a charity they support.
Organize and participate in an activity they love, such as a picnic or game night.
Create or contribute to an online tribute or memory book.
Put together a photo album of cherished memories.
Invite them to lunch and listen closely to what they say.
Give them an unexpected gift, such as a book, a favorite candy bar, or flowers.
Give them their favorite food as a treat.
If someone does something extra for you, thank them and show appreciation.
Saying “thank you” is a small gesture that can have a big impact. It costs nothing but it conveys a lot of appreciation and respect.
How can we show appreciation to our family and friends?
Showing appreciation to our loved ones is one of the most important things we can do as humans. Fortunately, there are many ways to show gratitude, both big and small.
Here are a few examples:
Say thank you! A simple “thank you” goes a long way.
Write a thank you card. This is a more personal way of showing your appreciation. Use this list of reasons I love you.
Bring flowers. Flowers brighten up any space and bring a sense of hope and peace.
Cook or clean for someone who needs it. This act of service often leads to a positive response from the recipient, making both parties happy in the end.
Run errands. Additionally, small gestures like helping someone out with errands can also relieve some stress.
Take care of children/elderly parents. This is an easy way to help someone out and say thanks.
Encourage them FI. Many people are confused about financial freedom. Show them how to FI.
Share appreciation quotes on social media or in conversation. There are lots of great quotes out there about being grateful, so find ones that resonate with you and share them with your friends and family.
Talk about a time when someone showed you appreciation in a meaningful way. When we take the time to reflect on moments where we felt appreciated, it makes those moments even more powerful.
Our community is our friends and family. These are the people that will be with you through thick and thin. So, make sure to show appreciation to them the most and the most often!
How can we show appreciation at work?
There are many ways to show appreciation at work with your co-workers. Some people might prefer words of gratitude, while others may appreciate a gesture or gift.
No matter what someone’s preference is, there are plenty of ways to show appreciation in the workplace.
One way to express gratitude is through different actions that include words, gestures, and gifts. Here are some work-specific examples:
Say “thank you.” Words are powerful
Write a thank-you note or email. Simple and great way to show your appreciation.
Bring up the appreciation during a meeting. Another way to acknowledge someone’s hard work is by simply acknowledging it–for example, if a co-worker does something for you, say “thank you.”
Send a Gem Award. Many companies offer small bonuses to recognize other employees for a job well done. Nominate them.
Motivate with Quotes. Take one of the millionaire quotes to show appreciation and keep everyone motivated.
These small acts help increase team velocity and morale, making the workplace more pleasant for everyone involved.
How can we show appreciation to our employees?
Showing appreciation for employees is a great way to build a positive work environment and express your gratitude. It also helps keep morale high and lets employees know that they are valued members of the team.
However, it’s important not to take your employees for granted–be there when they need you and do something special every once in a while to show how much you care!
Make it clear that you value their contributions.
Give them a shout-out in front of the group.
Tell them you appreciate their hard work and dedication.
Find ways to give employees more responsibility and autonomy at work.
When you have a meeting, ask people to say one thing they like about other employees.
Show them the importance of becoming financially independent.
Thank people for doing a good job on a project or task by giving them more challenging opportunities to grow in the future.
Tell them how their work has made a difference in your life.
If you have to criticize, do it privately and only if necessary.
Make sure they know you are there to support them.
In the workplace, giving gifts can be misconstrued so make sure you focus on being a supportive leader and boss. Also, you can always bring in lunch or breakfast for the whole team.
By showing appreciation to your employees, you will cut down on those good excuses to miss work.
I appreciate you in Spanish
As I’ve mentioned before, each language has different ways of showing gratitude. In Spanish, there are a few phrases that are commonly used to say “thank you.” Some of these common phrases include “gracias,” or “muchas gracias;” which mean “thank you” or “thank you very much.”
It is important to use the right phrase depending on the situation and who you are speaking to.
To say I appreciate you in Spanish, you would say:
te aprecio
If you wanted to really express your gratitude even more and say, “I appreciate you very much.”
te aprecio muchísimo
Learning another language is a great skill. In fact, many people have had great success with Rosetta Stone.
How to Respond to I Appreciate You or We Appreciate you
Acknowledge the person when they do something nice for you–even if it’s just picking up some milk from the store on their way home from work. Touching base regularly allows both parties to feel appreciated and strengthens the relationship over time.
It is important to give a thank you back when someone does something nice. It is also important to acknowledge their work and show that it’s appreciated. When receiving gestures such as this, it’s important to show appreciation by saying “I appreciate you” in return.
Does I appreciate you mean I love you?
There is no one-size-fits-all answer to this question, as the meaning of “I appreciate you” can vary depending on the context.
However, in general, saying “I appreciate you” usually means that you are grateful for that person and what they have done for you. It can also be seen as a sign of appreciation and respect.
Saying “I appreciate you” can be a difficult thing for some people. It might feel like they are saying “I love you” and that can be a scary prospect for some.
However, appreciation is an incredibly important emotion and it should not be withheld.
There are many ways to show appreciation, including, but not limited to, verbal compliments, thoughtful gifts, and kind deeds.
For those in a close relationship, “I appreciate you” could also mean “I love you.”
I Appreciate You Gifts
Many people turn to gifts to say I appreciate you.
It is the easiest way to say thank you.
The whole world wants to tell their recipient that they appreciate them.
These I appreciate you gifts are perfect for any person in your life!
Here are the best gifts to show a recipient you appreciate them:
These are for the husbands, boyfriends, and significant others – specifically written for the guys in mind.
Perfect gifts to say I appreciate you to all of the women in your life!
I Appreciate you GIF
Okay, I will be honest with you! Personally, I love using GIFs! Like. all. the. time.
I find them some of my favorite ways to express what I truly mean. We live in a digital world, so you might as well explore my top 10 favorites I appreciate you gifs.
Also, this is where you can find them when sending a text message to others.
I Appreciate You Quotes
Being grateful is one of the most important things we can do for ourselves and for those around us. It helps us to stay positive, build strong relationships, and feel happier overall.
Here are a few of the most popular I appreciate you quotes:
“What would I do without you in my life.”
“Your thoughtfulness will always be remembered.”
“Words cannot express my feelings, nor my thanks for all your help.”
“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” – JFK
“You cannot do a kindness too soon because you never know how soon it will be too late.” – Ralph Waldo Emerson
“Never let the things you want make you forget the things you have.” – Anonymous
“Thank you for staying by my side even though I tried to push you away.”
“Thank you for accepting me as I am, with my virtues and defects.” – Jenni Rivera
“When I count my blessing, I count you twice.”
“There’s no possible way, I could ever repay, How I wish, there were more I could do, But, I thank you my friend, my friend to the end.” – Jim Thistle
Write handwritten notes expressing your gratitude by starting off with one of these I appreciate you quotes. This is the best way to show someone how much you appreciate them!
We appreciate you in our everyday lives
Showing appreciation is a key way to maintain healthy relationships with the people around us. It can be difficult to know how to show appreciation, especially if we don’t feel comfortable putting our feelings into words.
However, there are many ways to show appreciation, and it’s important to find what works best for both the giver and the recipient.
Some gestures that show appreciation are small, such as sending a thank-you card or mentioning that you appreciate something the person has done for you. Other actions can be more personal, such as touching farewell letters to colleagues who are leaving your company or those who have passed away.
And finally, there are everyday expressions of gratitude that we can all do in our lives.
Humans have an innate need to feel appreciated, and when someone hears a few words of kindness, they get an energy burst that makes them feel good.
Know someone else that needs this, too? Then, please share!!
Something amazing has happened in the past eighteen months. While I’ve been learning about personal finance — and sharing my knowledge with you — Get Rich Slowly has grown from a small site with a couple hundred readers into a real-life business. GRS currently has 35,000 subscribers and generates $5,000 in monthly revenue. It also takes most of my time. This is a blessing and a curse.
The Blessing
As my income from this site has grown, I’ve been able to achieve my financial goals more quickly. In two weeks, I’ll be debt-free except for the mortgage. I have an emergency fund. I’m maxing out my Roth IRA every year. Get Rich Slowly has also put me in touch with a lot of great people: readers, colleagues, and media contacts. Most of all, I’ve learned tons about personal finance. I’m still a novice when it comes to investing and retirement planning, but I’m a novice who knows how to find the information he needs, and who is willing to share it with others.
The Curse
As wonderful as this site has been to me, it’s not without its drawbacks. Chief among these is that it takes time. Kris and I used to do more things together. I used to have spare time to read books and to play games and to hang out with my friends. Though I still do these things whenever possible, more of my time is devoted to providing quality content. Writing Get Rich Slowly is literally like having a second full-time job.
The Decision
After months of deliberation, I’ve decided to quit my job at the family business.
Yes, having two sources of income provides a tremendous sense of security, but I cannot continue at this pace. Lately I’ve struggled to squeeze Get Rich Slowly into the cracks of life: evenings, weekends, down-time at the box factory. As the site has grown, so has the workload. In order to make Get Rich Slowly everything I want it to be, in order to provide the best personal finance information, this site must be my top priority.
Quitting the day job scares me. My web income can support my lifestyle, especially if I’m frugal. But I had developed grand plans of accelerated savings, of paying off my mortgage in just a few years, of traveling around the world. When I quit the day job, I’ll be sacrificing:
The second income.
An additional retirement plan (about $5,000/year).
Daily contact with co-workers and colleagues.
I’ll be trading these sure things for an uncertain future. What guarantee do I have that Get Rich Slowly can continue to produce enough income to support me? What guarantee do I have that I’ll still want to do this three years from now? There are no guarantees.
The Plan
And so I am making a leap of faith. Or, more precisely, several “hops of faith”. In order to provide myself and the business a smooth transition, I’m going to reduce my hours gradually over the coming year.
Beginning 01 January 2008, my Tuesdays will be spent working on Get Rich Slowly.
Beginning April 1st, I’ll drop Thursdays at the box factory.
On July 1st, Mondays will be spent writing.
Next October, I’ll be down to only Wednesdays at the day job.
Finally, on 01 January 2009, I will be an official real-life full-time blogger.
I’ve always wanted to be a professional writer. I just thought I’d write science fiction novels. Or the sorts of short stories you find in Harper’s and The New Yorker. I never imagined I would one day make my living by writing about personal finance.
The Preparation
Now that I’ve committed to taking this leap, I’m scared. I’ve become a master of the worst-case scenario. Yes, Get Rich Slowly has generated enough revenue to support me during the past few months, but what if something goes wrong? What if I run out of things to write? What if Google or FeedBurner cancel their ad programs? What if I lose my thumbs in a blogging accident? What if all these things happen at once?
I’ve had people ask me how to prepare for a potential job loss, or how to make the transition to self-employment. My answers have always been theoretical. Now that I’m facing this situation myself, however, I can tell you the sorts of preparations I made. I think all of these are important:
Crunch the numbers. There are many good reasons to track every penny you spend — potential job loss is one of them. Sit down and go over your records. How much do you spend on food every month? What do you spend on utilities? What could you sacrifice if needed? Run the numbers for a variety of “what if?” scenarios. I’m fortunate to have health insurance through Kris’ job — if I didn’t, the numbers tell me I couldn’t make this leap yet.
Manage your money. You should always be smart with your finances. But when you’ve lost your job, or are about to make a career change, this becomes even more important. I can’t imagine making the move to full-time writer if I wasn’t debt-free (except for the mortgage). If I still had spending problems, this transition would be even more frightening.
Embrace frugality. I’ve done a great job of developing frugal habits over the past two years. I need to maintain these. I need to make use of the library. I need to walk and bike on my errands instead of driving. I need to follow the tips I share with you.
Kill the lifestyle inflation. As my debt-free date approaches, I’ve begun to loosen the grip I’ve had on my spending. We’ve been dining out more often. I’ve been buying toys and gadgets. I had even begun planning to purchase expensive furniture for the living room. All of this needs to stop now.
Bolster the emergency fund. I’m generally an advocate of smaller emergency funds — $500, $1000, $5000. But as I consider my upcoming transition to full-time blogging, I’ve realized I want to have more in savings. Much more. Though it seems like an impossible goal, I’m going to strive to save $20,000 by the end of 2008. (My mind boggles just to type that number.)
Seek professional advice. Consult with an accountant, and maybe even an attorney. There are tax and legal implications that come with starting your own business. Take the time to speak with somebody who knows the rules. Get things right from the start.
Pursue multiple streams of income. Most people have a single stream of income — their job. The more income streams you have, though, the more secure you are. My current situation is a perfect example. When I leave my job at the box factory, I need to pursue other income sources as well. I might consider a part-time job. I might pursue computer consulting work. More likely, however, I’ll start additional web sites (such as Get Fit Slowly, which I hope to have ready for launch by the first of the year). The more sources of income I have, the safer I’ll feel.
Define goals. It’s always good to know which direction you’re headed. In the face of an uncertain future, this becomes even more important. I’ve thought a lot about this lately. Where will I be in five years? In ten? In twenty? I need to decide what my objectives are, and be sure that my other choices align with these.
Focus on what’s important. Because I’m placing all of my faith behind this web site, I need to work to make it the best it can be. I need to provide more useful information, offer more tips, help readers find more answers.
The moment I decided to quit my day job, my entire mindset about money changed. It was as if somebody had thrown a switch in my brain. It’s more important than ever to practice what I preach. I’ve entered Ultra-Frugality Mode. I sat down the other day and crafted a new spending plan. I listed exactly what my monthly obligations are, and what my expected income is. The surplus is earmarked to boost my emergency fund as high as it can go.
It feels good to know that I’ve made some smart money decisions over the past eighteen months. These now serve as a sort of safety net. I don’t have a lot of fixed monthly expenses. I’ve eliminated my debt. I’ve developed the saving habit. These things will help me as I make the transition to working on my own.
The Dream
This decision has been difficult. The box factory is a safe, comfortable environment. It’s a sure thing. By leaving the business, I’m sacrificing stability.
On the other hand, I have to consider what I’m gaining: time. I’m going to gain time to exercise, time to actually respond to e-mail, time to research more extensive articles, time to begin writing the book I’ve had in mind for the past year. I’m going to have a chance to live the pastoral lifestyle I’ve always dreamed of.
I’m finally following some of my own advice: I’ve gathered the guts to pursue my dream. I’m glad to have you along for the ride.
Edit: In the comments, I answer the question, “How much time does running this blog really take?“
Cruises can be a great vacation idea, especially if you’re not overly interested in trip planning.
One of the most significant benefits of a cruise is that much of the work is done for you, including the itinerary, dining and entertainment options. That convenience can sometimes come with a big price tag, so it’s normal to wonder, “Are cruises worth it?”
Let’s look at the different aspects of cruising, what’s included on a cruise and how that compares against other vacations.
What’s included on a cruise
One of the best parts about a cruise is that it’s all-inclusive, at least to a certain degree.
The true extent of what’s included will depend on your cruise line and any packages that you have, but in general, here’s what’s included:
Meals, including fast food, sit-down restaurants and some room service.
Other live entertainment.
Pool access and pool towels.
Water, coffee and tea.
Housekeeping.
Port taxes.
What’s not included on a cruise
The free options are likely more than enough to keep you entertained, but if you’re interested in more, the following items typically incur additional costs:
Specialty beverages.
Specialty restaurants.
Spa treatments.
Gift shop purchases.
Excursions.
Some onboard events, such as wine tastings and cooking classes.
Gratuities.
🤓Nerdy Tip
Some cruise lines allow you to bring a limited selection of alcohol onboard.
Pros and cons of a cruise
Is a cruise worth it? It can be, though you’ll want to weigh the pros and cons of your cruise before deciding to book. Here are a few benefits and drawbacks to most cruise vacations:
Food included.
Alcohol and some meals cost extra.
Less planning required.
Less flexibility.
Itinerary can have multiple stops.
May be expensive.
All-in-one booking process.
No control over itinerary.
Entertainment provided.
Ships can be crowded.
Can budget easily.
Additional costs may be inflated.
As you can see, many of the positives of booking a cruise come from convenience. A cruise allows you to pay a single company, after which you’ll be able to enjoy your vacation.
Even if you spend more, you’re still only dealing with a single business and one point of sale. It’s simple and takes far less effort than researching all of your destinations, finding which activities are available, booking accommodations and figuring out where to eat.
But along with the convenience comes a lack of flexibility. Sure, you may be glad to stop at whatever port the cruise line chooses, but what if you’d like to stay overnight? What if you’ve already been to the location and prefer to go elsewhere?
As a guest aboard a ship, you have little control over where you’re going and how long you’ll be there.
And because most cruises aren’t totally all-inclusive, you may spend more than you planned once you’re onboard. If you want to enjoy a few alcoholic drinks, dine at a specialty restaurant or take a guided onshore excursion, the additional costs can add up quickly.
Comparing a cruise to other vacations
So what does it look like when you compare a cruise with other vacations? A trip has many different aspects, including flights, accommodation, meals, activities and more.
Here’s a look at a five-night Eastern Caribbean cruise from Carnival, which is typically a more budget-friendly cruise line.
It takes off in mid-July and makes three stops across five nights, including Turks and Caicos, the Bahamas and Carnival’s private island before returning home.
When adding in taxes, fees and port expenses, you’re looking at $2,184 for two guests — and that doesn’t include tips, Wi-Fi, port excursions or alcohol. However, you get all meals, an interior stateroom, stops in two different countries and plenty of entertainment.
A five-night stay here would cost $1,785 for two adults, and this beachfront resort includes all meals and drinks, even alcohol. You’ll also have access to Wi-Fi, pools, live entertainment and other activities.
Although the resort price itself is less than the cruise, this doesn’t consider the price of flights to the Bahamas, which may cost more than you’d pay when heading to Miami for a cruise.
It also doesn’t include tipping or the cost of other excursions, similar to what you’d find on a ship.
Finally, by booking with a single resort, you’re locked into one destination, which may not work for you if you’re interested in visiting more than one country.
If you’re interested in planning a cruise
So, are cruise ships worth it? They can be, but it’s a personal decision.
Cruises aren’t right for all types of travelers, especially those who value flexibility during their vacations. However, they can present good value to guests looking for convenience, especially since so much of the effort around planning a trip is eliminated.
Before you book a cruise, compare the price of your vacation against similar options — including accommodations, transportation and meals — to decide whether it’s really worth it for you.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Sir Richard Branson’s Virgin Empire continues to spread its wings worldwide. The British billionaire is well known for tearing up the rule book and pushing the envelope with aviation and cruise ships to great fanfare, and his Virgin Hotels brand is slowly but surely opening properties across the U.S. and the U.K.
Built in 1928, the Old Dearborn Bank Building on North Wabash Avenue in Chicago, Illinois, was purchased by the Virgin Group in 2011. The hotel finally debuted in 2015 following refurbishment delays due to the building’s landmark status.
How does Virgin’s modern and unconventional approach to hospitality mesh with an iconic century-old building?
Here’s what you need to know about Virgin Hotels Chicago.
BEN SMITHSON/THE POINTS GUY
Snapshot
In the heart of the city, Virgin Hotels Chicago adopts an unstuffy, more casual approach to hospitality, focusing on youthful fun and a hint of British cheekiness. Room rates are lower than nearby luxury properties, though guests may find the informality that can stretch to service standards and food quality too much to bear.
BEN SMITHSON/THE POINTS GUY
What you’ll love about Virgin Hotels Chicago
Virgin’s fun style is evident throughout the property, providing an alternative to cookie-cutter corporate accommodation offerings. You might feel like you’re staying with a cool friend rather than at a chain hotel.
A location that is close to everything
In downtown’s vibrant “Loop” area, the property is an easy walk from some of Chicago’s most popular attractions, including the Magnificent Mile and Millennium Park with its iconic Cloud Gate sculpture (affectionately known as The Bean). The Chicago Theatre is the ideal Instagram backdrop for your vacation photo just a few blocks away.
Chicago’s elevated trains (the “L”) pass right by the hotel for journeys that cannot be made on foot, with a stop for the Brown, Green, Orange, Pink and Purple lines directly across the road from the hotel.
BEN SMITHSON/THE POINTS GUY
Rooms that feel like home, with some fun bells and whistles
Virgin Hotels calls its guest rooms “Chambers,” with 250 rooms that start at a generous (in this zip code) 350 square feet and feel homey yet luxurious with furnishings like leather armchairs and gold side tables.
Sign up for our daily newsletter
1 of 3
BEN SMITHSON/THE POINTS GUY
At the base of the bed in the spacious, airy bedroom is a new option for remote work, allowing guests to sit on the bottom corner of the bed, facing the bedhead while working on a laptop — a chiropractor’s nightmare. It’s an interesting idea, but not very practical or comfortable for extended periods.
BEN SMITHSON/THE POINTS GUY
The bathroom, storage and vanity areas are combined into a single walk-through room, “The Dressing Room,” with plenty of space to unpack and stretch out.
BEN SMITHSON/THE POINTS GUY
A comfy makeup chair between the double vanity is ideal for preparing for a night on the town. You can keep your glad rags catwalk ready by using the fluffy bathrobes provided. A huge walk-in shower with a rain shower head and a handheld fixture also has a tiled bench for tired feet and Red Flower toiletries to match the occasional red tile, a constant subtle reminder of the Virgin brand.
In many ways, Virgin’s Chambers feel more like a thoughfully-designed and well-equipped city apartment than a hotel room.
1 of 5
BEN SMITHSON/THE POINTS GUY
A Smeg minifridge (bright red, of course) stocks minibar favorites at surprisingly reasonable prices, including $6 for a large can of First Pils lager, $3 for pretzels and just $2.50 for a bottle of Coke — a bargain compared to many big city minibars where a tin of nuts can easily cost upwards of $15.
1 of 3
BEN SMITHSON/THE POINTS GUY
While the round tables are not the most practical to work at, the Bel & Bel Vespa high-back cream leather chair is a fun feature to swing around in this already bright and playful space.
BEN SMITHSON/THE POINTS GUY
The whimsy continues in the hallways with statues that make no sense but bring a smile to guests’ faces among the splashes of Virgin red.
BEN SMITHSON/THE POINTS GUY
Affordable last-minute suite upgrades
Base rooms at Virgin Hotels Chicago start at a reasonable $198 per night in the low season to a less justifiable $436 for peak summer dates.
While suites are priced around $100-$120 per night over the cheapest Chambers, guests should watch their inbox a few days before departure when Virgin offers suite upgrade email offers at dramatically discounted prices.
VIRGIN HOTELS
For just $20 per night extra, you’ll get significantly more usable space — a 150-square-foot living room complete with a huge ottoman and flat-screen LG smart TV is an excellent deal at 83% off.
BEN SMITHSON/THE POINTS GUY
Everything about dining with Miss Ricky
On the ground floor, the hotel’s main restaurant Miss Ricky’s is open from morning to night and offers an outstanding hospitality experience.
1 of 4
BEN SMITHSON/THE POINTS GUY
The staff is incredibly upbeat and enthusiastic when welcoming bleary-eyed guests starting their day. In addition to bottomless coffee, expect Mexican favorites like chilaquiles, a nod to the city’s large Hispanic population, and omelets with herbed breakfast potatoes.
BEN SMITHSON/THE POINTS GUY
Room service is also available from Miss Ricky’s. While the breakfast sandwich is an odd combination of savory fillings inside a sweet croissant served with strawberries and grapes, it is filling and the flat white coffee is perfectly crafted.
BEN SMITHSON/THE POINTS GUY
In the evening, the mood at Miss Ricky’s is more formal, with an Italian and Spanish-inspired menu featuring an elegant cured Atlantic salmon and black cod ceviche ($20) for an appetizer and a luxurious lobster spinach ravioli in a Champagne cream sauce ($29) for an entree.
1 of 2
BEN SMITHSON/THE POINTS GUY
Virgin has done an excellent job with this space, and the staff here should be commended.
Why you might not love Virgin Hotels Chicago
Virgin’s alternative approach to hospitality won’t be for everyone. Some staff take the relaxed attitude too far with groups of business guests baffled by the lack of professionalism and “can do” attitude.
A head-scratching loyalty program
Rather than being an obvious earn-and-burn partner of Virgin Atlantic’s Flying Club program, Virgin Hotels instead has its loyalty program called “In The Know,” teasing room upgrades, welcome gifts and invitations to special events. Even if guests carefully fill in all of their personal preferences, it is unlikely any tangible benefits will actually be delivered, and it all seems far from rewarding.
The promised 2,000 Virgin Points for booking directly and signing up for In The Know may never arrive either, and even if they do, guests still cannot redeem Virgin Points for Virgin Hotels.
This separate vague “loyalty program” seems needlessly complicated and likely to lead to disappointment compared to Virgin Points, which can be a terrific value.
BEN SMITHSON/THE POINTS GUY
Rooftop frustrations
On Level 17, Cerise enjoys breathtaking views across downtown Chicago.
1 of 3
BEN SMITHSON/THE POINTS GUY
Unfortunately, guests may find the view is the only reason to visit.
The signature Lil Smokey cocktail with Conejos mezcal ($17) had far too much sweetness with little balance of smoke, and the presentation wasn’t much to write home about either.
BEN SMITHSON/THE POINTS GUY
Even worse was the food. A seemingly simple request to remove gluten from the caramelized Brussels sprouts and charred broccolini lead to both dishes being stripped of all flavor and seasoning, then boiled, with no explanation. Neither tasted pleasant.
BEN SMITHSON/THE POINTS GUY
The pork carnitas tacos were greasy and heavy, the grilled octopus was tasty but tiny, and the fries were served lukewarm with sauces in ballgame-style plastic tubs.
BEN SMITHSON/THE POINTS GUY
The food, cocktails and service at Cerise could be elevated to match the amazing view.
Potential guests should note that the flagship on-site food and beverage destination, The Commons Club, is closed, seemingly a lingering victim of the pandemic. Fortunately, this vast space has been converted into a co-working area that is quiet, civilized and great for working outside guests’ Chambers.
BEN SMITHSON/THE POINTS GUY
Do you work here?
Smartly dressed reception staff at the front desk provide a warm welcome and explain the amenities available to each guest on arrival.
BEN SMITHSON/THE POINTS GUY
However, after leaving the front desk, the service varies wildly. Almost every staff member seems to be dressed differently, from formal to sloppily casual.
My room service was delivered by an employee wearing sweatpants and Timberland work boots. Every staff member at Cerise was dressed in different variations of non-uniform, casual black clothes, making it difficult to guess who was working and who was not.
BEN SMITHSON/THE POINTS GUY
The casual presentation doesn’t automatically equate to casual service, but appearance and professionalism seemed to be directly correlated here. Cerise seemed to have more staff than was necessary, but they seemed more interested in mucking and joking around with each other rather than serving customers or displaying a professional attitude.
Alternatives
Business travelers looking for service and atmosphere that is more corporate than casual should consider the nearby Kimpton Gray Hotel, also inside the Loop.
IHG One Rewards members can earn and redeem points at sensible rates while enjoying luxurious accommodations and mixing with other business travelers for after-work drinks at the popular Vol. 39 bar with its library aesthetic.
Alternatively, the Thompson Chicago, part of World of Hyatt, offers memorable room designs with masculine dark and creme color tones and views of Lake Michigan while adopting a more grown-up service culture.
Accessibility
Rooms and all public areas can be accessed without needing to tackle stairs, holding a gold level 8.7/10 accessibility score by Mobility Mojo. Guide and service dogs are welcome, guests can borrow wheelchairs, and there are a dozen accessible bedrooms available.