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Applying for a loan of any kind with subprime credit, generally considered to be a FICO score below 600, can be discouraging.

Fortunately, when it comes to auto loans, people with bad credit have plenty of choices. There are a number of subprime auto lenders not only willing to work with subprime borrowers but competing to offer the best interest rates and terms. You’ll still see higher APRs than you would as a prime borrower, but you can qualify for the money you need now.

So what are some of the best subprime auto lenders and how do you decide which offer to take? Let’s explore the six best bad credit car loans.

What’s Ahead:

Best bad credit auto loans

  • Best for comparing offers: Monevo
  • Best for refinance loans: Lending Club
  • Best for low-income borrowers: Capital One
  • Best for small down payments: Carvana
  • Best for refinancing: Autopay
  • Best for bankruptcies: myAutoloan

Best for comparing offers: Monevo

  • APR: 1.99% – 35.99% APR
  • Term lengths: 6 to 144 months
  • Allows joint filing: Varies

Monevo is not a direct lender but a loan aggregator. It uses the information from your online application to determine your eligibility and show you multiple competing loan offers at once from reputable online lenders. You can look for auto loans for new and used cars or refinance an existing loan. The minimum credit score requirements, loan terms, and interest rates vary by lender, but you can filter your search to show only those that accept bad credit. Monevo tends to offer favorable loan terms and APRs on bad credit car loans.

Monevo is easy to use with a simple and intuitive interface and quick online application. When you apply, Monevo uses a soft credit pull (that won’t affect your credit) to get your personalized offers and shows you auto loans you might qualify for. There is no fee for using this platform — Monevo earns money from its partners when you apply for a loan.

Monevo is a great place to start your search if you’re not sure what you’re looking for and you want to understand your options, but you won’t be able to compare all lenders out there, and you might get a few unwanted phone calls from partner lenders.

Learn more about Monevo.

Best for refinance loans: LendingClub

  • APR: 2.99% to 24.99% APR
  • Term lengths: 24 to 84 months
  • Allows joint filing: Yes

If you want to refinance an existing car loan, LendingClub might be the best choice for you. LendingClub can help you save money on interest by lowering your APR and even shorten your loan term so you can pay off your debt faster. Even if your credit is poor now, if it’s better than it was when you first applied for your loan, you may be able to get approved for a lower interest rate and more favorable terms.

There are a few advantages to refinancing with LendingClub over others, especially if you have bad credit. If you do qualify, the APRs and terms on auto refinance loans are competitive, and LendingClub charges no origination fees or prepayment penalties. Second, LendingClub can get you the money in as little as a few days. This is much faster than the average lender, which can take weeks to process and approve your loan. To qualify, you must owe at least $4,000 but not more than $55,000 on your car and have 24 months or more left on your loan. 

LendingClub accepts applicants with bad credit, but approval isn’t guaranteed. Check first to see if you prequalify.

Learn more about LendingClub.

Best for low-income borrowers: Capital One

  • APR: Varies
  • Term lengths: 24 to 84 months
  • Allows joint filing: No

Most big banks have steep minimum credit score and income requirements for auto loans. Capital One is different. They have no minimum credit requirement, so all credit scores are accepted, and they’ll use a soft pull instead of a hard pull to find you an offer.

Capital One also has a low income requirement. If you can show proof of $1,500 in monthly income, you have a decent chance of qualifying for a Capital One auto loan. By contrast, some lenders require $2,500 or more for bad credit auto loans. Other perks of choosing Capital One include stability and dedicated customer service that smaller lenders may not have. 

The biggest drawback for this lender is that you must buy a car from one of 12,000 approved dealerships. If you don’t mind this, Capital One is a good option for bad credit auto financing.

Learn more about Capital One.

Best for small down payments: Carvana

  • APR: 3.90% to 27.90% APR
  • Term lengths: 36 to 72 months
  • Allows joint filing: Yes

Carvana is known for making car vending machines and at-home car delivery a thing. But did you also know this company provides auto loans for car buyers with all sorts of different credit scores? You don’t have to use Carvana’s auto loans to use Carvana, but doing so may be a good option if you don’t have much saved for a down payment.

To qualify for an auto loan with Carvana, you need an annual income of just $4,000 per year and no active bankruptcies in your credit report. If you need a car now and can’t wait to save more money, you can trade in your current vehicle and put the money you earn toward the down payment. Using trade credit just takes a few steps out of the process. You can get prequalified with no affect on your credit score and the rates are good for 45 days.

Carvana may be worth it for people looking for convenience, but interest rates may be higher for these bad credit car loans than others.

Learn more about Carvana.

Best for cosigners: Autopay

  • APR: 2.99%+
  • Term lengths: 24 to 96 months
  • Allows joint filing: Yes

Autopay offers both new and refinance bad credit auto loans with decent rates and flexible requirements.

Like Monevo, Autopay is an aggregator, which means you’re shopping multiple lenders with one application. This ensures you get the best rates available, but it also means the interest rate you’re quoted can vary. You can have a credit score as low as fair (which starts at 580) to qualify for a loan through Autopay, but using a cosigner can significantly improve your rate offers and odds of approval. 

If you have someone more creditworthy than yourself who’s willing to help you out, consider using AutoPay to shop around. If not, you might want to consider other lenders with a lower minimum credit score requirement.

Learn more about AutoPay.

Best for bankruptcies: myAutoloan

  •  APR: 3.99% to 
  • Term lengths: 24 to 72 months
  • Allows joint filing: Yes

For our final recommendation for auto loans for bad credit, we chose MyAutoloan. MyAutoloan is another loan marketplace that partners with lenders to secure prequalification offers for applicants. Income and credit score requirements vary by lender, but you can qualify with a FICO credit score as low as 575 and a gross yearly income of $21,600. 

You also may be able to qualify if you have bankruptcies in your credit history. Some of myAutoloan’s partners specialize in situational bad credit car loans and accept applicants with Chapter 7 and Chapter 13 bankruptcies that have been discharged or dismissed.

The kicker with myAutoloan is that although this is an aggregator, you’ll only be able to compare up to four offers at a time, which isn’t a ton of options comparatively speaking. But if you’ve had credit trouble and just need a car loan, myAutoloan is an all-around solid option.

Learn more about myAutoloan.

How do auto loans work?

Most folks don’t have tens of thousands in cash lying around to pay for a new car in full. Therefore, they take out a loan from a financial institution like a bank or the other lenders in this list. This is known as auto financing. Auto loan providers can be any type of financial institution including banks, credit unions, and online lenders.

To take out an auto loan, you can apply when you’re at the dealership ready to buy or check to see how much you’re preapproved to borrow even before you’ve started shopping. If you’re approved, the lender gives you a lump sum to buy the car and you pay this back with interest.

Three primary factors dictate your monthly payments:

  1. Loan amount
  2. Loan term (i.e. length)
  3. APR or interest rate

Generally, the shorter your term and the greater your loan amount, the higher your payments. We recommend shorter loan terms to save on interest if you can afford it.

Lenders use your credit score, income, and credit history to determine how risky you are as a borrower and decide what APR to offer you. The worse your credit, the higher the chance (in their eyes) that you’ll default on your loan. Therefore, lenders charge more interest on car loans for bad credit.

Read more: How do auto loans work?

How to choose a car loan

When shopping around for an auto loan, look into these key features.

APR

Naturally, you want the lowest possible APR. But when you have bad credit, securing good rates is tricky. Compare loan offers from multiple lenders to get the best possible deal for you.

Read more: Auto loan interest calculator: monthly payment & total cost

Fixed or variable interest rates

Make sure your APR offer is a fixed rate, meaning it will stay the same for the entire loan. This is better for financial planning and protects you from surprise rate hikes.

Loan amounts

Choose just the right loan amount and don’t take out a dollar more than you need to. If you only need a $5,000 loan, make sure your lender doesn’t have a floor at $10,000. 

Some subprime auto loan lenders have high minimums ($15,000+) so they can get you to pay more interest. Unless you need to borrow this much, avoid these lenders.

Term options

Your loan term determines how long it will take you to pay off your loan assuming you just make your minimum monthly payment each month. Loan terms can range from 24 to 96 months, but the minimum and maximum vary by lender.

You don’t want to take too long to pay off your loan if you can help it. Longer terms give interest more time to accrue, so they end up being much more expensive over time than shorter terms. Unless you don’t have the budget for larger payments, resist the urge to stretch your loan out.

Prepayment penalties

Some lenders will charge you a penalty fee for paying off your loan early. This is because lenders profit from interest and want to recoup some of the lost profit from an early payoff. 

Prepayment penalties are usually small, like a one-time fee of $50 to $200 or a percentage of the remaining interest. But if you plan to pay off your loan quickly, look into prepayment penalties for your lender of choice. Many lenders do not charge them.

Income requirements

Most auto loans for bad credit require proof of a certain minimum monthly income to show that you have the means to repay your debt. When applying, you’ll need a paycheck from the past 45 days. If you’re self-employed, use bank statements to show cash flow.

Unfortunately, unemployment checks typically don’t count since lenders may require proof of employment as well. 

Cosigning options

If you can’t meet a lender’s income or credit requirements, or you want a better rate, you may decide to ask a friend or family member to cosign. Applying with someone who has a higher credit score and income than you can help you get better auto loan rates and terms.

However, cosigning a loan document is no small favor to ask. If you can’t make the payments for whatever reason, your cosigner will become responsible. 

Read more: What does being a cosigner really mean?

Overall lender reputation

Last but certainly not least, you’ll want to consider a lender’s real-life reputation. Browse user reviews on BBB and TrustPilot for indicators of overall customer satisfaction. Research customer service, response times, hidden fees, transparency, app usability, and more.

How to get a bad credit auto loan

When it comes to getting a car loan with bad credit, you’ll need to follow some steps to ensure you’re getting the best rate.

Here’s a quick step-by-step guide:

Understand how much you can really afford. Poor credit unfortunately means you’ll be saddled with a relatively high interest rate, so you need to make sure you’re not borrowing more than you can repay. Factor not only the monthly payments but the interest into your budget to determine what you can afford to spend on a car.

Save for a down payment. The larger the down payment you make, the less you’ll pay over the life of your auto loan. You may also be able to secure a lower rate if you’re willing to put more money down.

Shop around. Shopping around is the best way to find the lowest interest rates. It can also help you weed out lenders with terms or requirements that won’t work for you. Use aggregators and marketplaces if you’re not sure where to start.

Apply! Once you’ve shopped around, all that’s left to do is apply fully for the loan. But before applying, check to see if you prequalify. This can save you the trouble of being denied and negatively impacting your credit for nothing.

Average auto loan rates

Subprime credit will cause you to pay more interest on an auto loan than someone with a higher credit score and better credit history.

According to data from myAutoloan, the average interest rate on a new car loan for borrowers with good credit (700-749) is 10.94% and the average interest rate for borrowers with bad credit (451-599) is almost double at 20.45%. For fair credit (600-699), the average rate is 15.40%.

Auto lenders only give their best interest rates to their most creditworthy applicants. If you don’t need a car right now, it’s worth waiting a while and focusing on improving your credit. Applying with a better score can help you save hundreds.

FAQs

What defines “bad credit?”

This is somewhat subjective, but most lenders would agree that anything above 600 is good or at least nonprime, and anything below 600 is bad/subprime.

Can I get an auto loan with a 500 credit score?

Yes, but you’ll be stuck with the worst interest rates and may not be approved to borrow as much as you would like to. Apply for prequalification offers before you submit any applications to avoid adding too many hard pulls to your credit report.

When should I start applying for loans?

Many borrowers wait until they’re in the dealer’s office to begin exploring financing options. That’s when the dealer will swoop in with their lender’s offer, which may or may not be the best offer (it usually isn’t). In reality, the best time to start browsing loan offers is as soon as you have a budget and know precisely how much you’ll need to borrow.

Compare prequalification offers with multiple lenders before you decide to apply for anything. And if you can wait to bring your credit score up before getting a car loan, wait.

Summary

Hopefully, you feel encouraged that there are many bad credit auto loans out there for subprime borrowers. Though poor credit does limit your options, you can still get the money you need with a great lender.

As you begin the process of shopping for cars and comparing auto loans, continue working on your credit. Even the smallest improvements can make a difference and help you save money.

Read more:

Source: mu30transfer.wpengine.com

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If it’s March, it must be time to talk about cars. The annual auto issue of Consumer Reports landed in my mailbox this week, and I spent some time skimming the pages.

I’m not nearly as interested in car info as I used to be, but I know that many folks are in the market for a new car, and I think Consumer Reports is a great source for info. Plus, it’s fun to review their findings to see what (if anything) has changed.

This year, the Consumer Reports website — even the part that’s not behind a paywall — has plenty of useful info. There are video reviews of top cars again in 2012, although external embedding has been disabled (meaning I can’t share a video with you here — you have to go to the CR website to see them yourself). You can access all of the free, public content from the site’s April 2012 issue homepage. But let’s review some of the major news.

Note: Because I continue to love my 2004 Mini Cooper (which I bought used), I’ll throw in random Mini stats throughout this article, as I do every year. Humor me.

Here are the Consumer Reports top-rated vehicles in ten categories (with previous years’ top cars in parentheses).

  • Affordable family sedan (formerly budget car): Hyundai Sonata (2011: Honda Fit)
  • Family hauler: Toyota Sienna V6 (2011: Toyota Sienna, 2010: Mazda5, 2007-2009: Toyota Sienna)
  • Family sedan: Toyota Camry Hybrid (2010-2011: Nissan Altima, 2007-2009: Honda Accord)
  • Family SUV: Toyota Highlander (2011: Kia Sorento, 2010: Chevrolet Traverse, 2009: Toyota Highlander, 2008: Hyundai Santa Fe, 2007: Toyota Highlander Hybrid)
  • Green car: Toyota Prius (2007-2011: Toyota Prius)
  • Pickup Truck: Chevrolet Avalanche (2011: Chevrolet Avalanche, 2010: Chevrolet Silverado 1500, 2009: Chevrolet Avalanche, 2008: Chevrolet Silverado 1500)
  • Small car: Subaru Impreza (2011: Hyundai Elantra, 2008-2010: Hyundai Elantra SE, 2007: Honda Civic)
  • Small SUV: Toyota RAV4 (2011: Toyota RAV4, 2010: Subaru Forester, 2007-2009: Toyota RAV4)
  • Sports sedan: Infiniti G (2009-2011: Infiniti G37, 2007-2008: Infiniti G35)
  • Sporty Car: Ford Mustang (2011: Ford Mustang, 2010: Volkswagen GTI, 2007-2009: Mazda MX-5 Miata)

The magazine no longer picks a “best car overall”, but if it did, that honor would probably go once again to the Lexus LS 460L, which used to claim the top spot every year, and which continues to have the top road score for all vehicles (with 99 our of 100 possible points). (As in previous years, the Mini Cooper scored an 81 on the road test for 2012.)

To me, the big shocker was the rating of top automakers. For years, Honda has ruled the roost in the Consumer Reports‘ annual round-up. Not this year. This year, Honda fell to fourth place. Who’s number one? Subaru. (Although, to be fair, Subaru, Mazda, Toyota, and Honda are all bunched close together at the top of the chart.) Lowly Chrysler brings up the rear.

This year, there’s a clear winner in fuel economy. The Nissan Leaf gets an astounding 106 miles per gallon. (In reality, as a couple of readers have noted, as an electric car, the Leaf doesn’t actually use any gasoline.) The Chevrolet Volt gets 61 mpg to take second place. Then there are a bunch of hybrids at about 38-44 mpg. Consumer Reports says that the Mini Cooper gets 30 mpg, and that’s exactly what mine has averaged over the past six months (and it’s eight years old!). The worst fuel economy? There’s a four-way tie at 13 mpg: Cadillac Escalade, Dodge Ram 2500 (diesel), Ford Expedition EL, and Lincoln Navigator.

In addition to ratings of 276 vehicles, the 2012 auto issue also includes a round-up of top tires, info on individual model reliability, a summary of safety statistics, and a guide to buying used cars.

For a second year, the magazine has done away with some useful info for finding inexpensive gems. I miss the “most overlooked cars” list, for instance. I’m not sure there’s much use to the “top driving gripes” and the “features we love and loathe” lists that take up and entire page. This is USA Today level fluff; I’d rather see some sort of useful data.

Some of the material from the Consumer Reports 2012 Auto Issue is freely available on their website. For instance, check out these useful pages about used cars:

  • The best used vehicles for under $20,000
  • Best used cars for fuel economy

Other information, however, is locked behind a paywall. And don’t forget that you can always find great info on the Consumer Reports car blog.

From the Archives

Don’t forget that Get Rich Slowly features car-buying tips from time-to-time. Notable articles include:

I also recommend two older AskMetafilter threads:

The Consumer Reports car issue is an excellent resource. If you think you might purchase a vehicle soon, I recommend it. But I think it’s a little dangerous to pick up just for the sake of browsing. You may find yourself moved from merely curious to “itching to buy”!

Source: getrichslowly.org

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

Source: Giphy.com

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

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

What’s Ahead:

1. Be flexible with your dates and destinations

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

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

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

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

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

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

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

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

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

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

3. Get travel insurance

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

That’s why travel insurance is a lifesaver.

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

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

Read more: Best credit cards for travel insurance

4. Save digital copies of important documents

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

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

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

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

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

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

5. Learn language basics

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

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

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

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

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

6. Have some local cash before you land

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

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

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

7. Get a local SIM card for your phone

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

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

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

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

8. Stay in a local neighborhood

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

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

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

9. Book a walking tour

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

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

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

10. Use local currency when paying with a credit card

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

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

11. Use public transit

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

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

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

  • Trains
  • Buses
  • Subways
  • Trams
  • Ferries

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

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

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

12. Make use of grocery stores

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

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

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

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

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

13. Check out local meet-ups

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

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

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

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

Summary

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

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

Featured image: Africa Studio/Shutterstock.com

Read more:

Source: moneyunder30.com

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If you’re the type who prefers mountains and meadow trails to hot sandy beaches, lakes over oceans, and natural serenity instead of noisy crowds, you’ll love these five log cabins we’ve found for you.

Located away from the hustle and bustle, they’re a refreshing alternative for a warm-weather getaway. Plus, these timber structures are located all over the country, not just along the pricey coastlines.

In our batch of affordable log cabins, the most expensive is $439,000, with the least expensive clocking in at just $294,900. These prices mean you can tap into your inner Lincoln without logging a huge debt.

We’re sure you’ll find yourself daydreaming of cozy cabin life after gazing at these residences surrounded by remarkably green mountains and hills. You’ll be able to smell the pines and the fresh country air just by browsing.

Price: $439,000
Northwoods wonder: This charming, chalet-style cabin has it all: balconies galore, two stone chimneys, vaulted ceilings, exposed beams, and large windows with picturesque views.

The four-bedroom, 2,685-square-foot home sits on 10 acres in the Northwoods in the Badger State’s far north—an area with 3,200 lakes, streams, and rivers. One of these steams runs right through the property, as do numerous hiking trails.

The property is also adjacent to public park service land, so opportunities for exploration are endless. While the location might seem remote, it’s only 10 minutes from the town of Hayward, where you’ll find the Freshwater Fishing Hall of Fame, plenty of recreational activities, as well as stores and cafes.

Hayward, WI

(Realtor.com)

Price: $425,000
More than a getaway: With three bedrooms plus close proximity to schools, this 2,296-square-foot cabin can serve as a comfortable year-round residence for the whole family.

Custom-built in 1981, the residence features a spacious great room with a black lava fireplace, ideal for gathering around on a cold winter night. In warmer weather, residents can enjoy the fresh air and views from numerous decks and balconies overlooking the 2-acre lot.

And a new owner won’t have to rough it—there are walk-in closets in the bedrooms upstairs. There’s also a spacious loft, which can be used for a variety of purposes. Few cabins are complete without vaulted ceilings, which this place has plenty of.

Winlock, WA

(Realtor.com)

Price: $425,000
Elegant rustic residence: This is more country estate than a log cabin. It begins with a three-bedroom, 3,067-square-foot main house. There’s also a three-car detached garage plus a sweet little greenhouse/shed.

The landscaped, 1.5-acre lot features lush green lawns with plenty of trees for shade. Touch football, badminton, or a slip-n-slide? There are endless opportunities for recreation on your own home turf.

Inside you’ll find a kitchen with stone countertops and hardwood cabinets, plus a great room with two impressive stone fireplaces. The primary bedroom is on the main floor and features a large walk-in closet, a bath with double vanities, and a jetted tub.

Edmond, OK

(Realtor.com)

Price: $294,900
Small price, big value: Although it’s the lowest-priced cabin on our list, it boasts one of the largest lots, at 6.6 acres.

Bonus: You could live off the land. You can feed yourself fish caught in the property’s private pond, as well as the fruit from the numerous pecan trees and blueberry bushes.

You can also keep animals in the large barn, which last housed goats and chickens. They won’t wander off, because an underground electric fence circles the property.

Inside the 2,000-square-foot cabin, you’ll find three bedrooms and an extremely well-appointed and stylish kitchen. A vaulted ceiling below a green metal roof covers it all, and large windows allow you to overlook your domain.

Edwards, MS

(Realtor.com)

Price: $345,000
Small but mighty: This quaint, 900-square-foot cabin was built in 1972, but it possesses all the character of a century-old cabin. Even so, it’s loaded with conveniences like a surprisingly spacious kitchen, a lovely stone fireplace, and two bedrooms with vaulted ceilings.

While the main house might be petite, there’s also a large barn/garage on the 1.89-acre property. You could store your vehicles there, but the previous owners used it as a horse stable. Outdoors, you’ll also enjoy the lily pond and fire pit.

In addition, the property offers easy access to the Toe River, hiking trails, and the adorable unincorporated town of Green River, which has restaurants, recreational facilities, and shops—just about everything to meet your needs in this picturesque mountain community.

Green Mountain, NC

(Realtor.com)

Watch: On the Menu: Indiana Lake House Comes With a 1950s-Style Diner for $1.8M

Source: realtor.com

Apache is functioning normally

Are you considering going back to grad school? Have you wondered if the graduate degree you’re looking at will give you a good return-on-investment (ROI)?

It’s important to consider the full cost of graduate school (and its potential impact on your career and earning potential) before you blow $1,000 on test prep, entrance exams, and application fees, and certainly before you send off a deposit and give notice at your job. Our graduate school ROI calculator (below) can give you a sense of what you stand to get (and give up) by going back to school.

What’s Ahead:

How to use the grad school ROI calculator

  • Enter your age.
  • Enter your current salary (so the calculator can include opportunity costs).
  • Enter the total cost of graduate school for one year. Add together the following to get a rough estimate:
    • Total tuition you’ll have to pay at the university of your choice, plus any fees. (This can usually be found on the university’s website.)
    • Your cost for books or other materials. (For an MFA in creative writing, this will be almost nothing; for a law degree, a year of books might set you back $1,800. Do a little searching to find a rough estimate.)
    • Living expenses. (If your plan is to stay in your current city in your current place, your own prior spending should be a rough guide. If your dream school is elsewhere, consider browsing apartment listings and roommate ads to get a sense of how much you’ll have to pay for rent. Then factor in utilities, transportation, food, and entertainment. Your current budget might be an okay place to start, but you should definitely cut costs once you’re in school and living on loans….as this calculator will make clear!)
  • Enter the length of your program (in years).
  • If you want to opt for the advanced settings, enter the amount of student loans you expect to take out, along with the interest rate and term of the loan. Otherwise, we’ll use 6% and 10 years as an average.
  • Enter your expected salary upon graduation. It pays to get specific here: Don’t just look for the average salary for your profession, but for the average salary of that profession in the region you intend to live in. Lawyers in New York make a lot more than lawyers in Tampa. Be sure to use a reasonable first-year salary, not what you hope to make after five or 10 years in the field.

Once you hit submit, we’ll calculate the following:

  • The total cost of graduate school, including opportunity costs, tuition and fees, and loan interest.
  • Your lifetime earnings at your current salary, as well as your lifetime earnings at your projected post-graduate school salary.

Take a look at the lifetime earnings. How big is the difference and is it worth the cost, risk, and effort it takes to go to graduate school.  Keep in mind that things change and nothing is guaranteed.

Also, if you continue to work while in school that reduces your overall costs as well. Perhaps you don’t need to borrow as much, and your opportunity costs will be lower. You’ll still be earning your previous salary while in school, or at least part of it.

Keep in mind that it isn’t always just about the numbers. If a higher degree gets you into a job you love, that’s worth a lot more than just money.

Summary

This calculator can do the math, but of course, you need to look at your whole life to make a decision like this. Continuing to work and live cheaply while in school will help keep costs down and reduce the overall negative impact of going back to school.

But also consider lifestyle, if you need a graduate degree to get your dream job the finances may not matter as much.

Source: moneyunder30.com

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Nestled on the picturesque Gulf Coast of Florida, Naples has long been regarded as a captivating destination renowned for its pristine beaches, vibrant cultural scene, and luxurious lifestyle. As you contemplate the idea of moving to Naples, it is crucial to weigh the pros and cons of living in this sun-drenched city. From its flourishing economy and abundant recreational opportunities to its high cost of living and occasional natural hazards, there is a lot to consider. In this Redfin article, we will delve into the 10 most significant pros and cons of living in Naples. So whether you’re looking at apartments for rent in Naples, FL, browsing homes for sale, or you’re just curious about the area – keep reading to learn if Naples is right for you.

1. Breathtaking beaches

Naples, the gem of Florida’s Paradise Coast, offers a beach lover’s paradise with miles of pristine, soft, white sands lapped by turquoise waters. Not only are these beaches stunning, but they are also well-maintained and offer a serene place to relax, sunbathe, or engage in water sports. Naples’ shoreline delivers a visual feast and the quintessential coastal Florida lifestyle, from the picturesque Barefoot Beach Preserve to Lowdermilk Beach Park.

2.  Vibrant arts and culture scene

For the culturally inclined, Naples won’t disappoint. The city brims with a rich and lively arts scene that echoes in its many galleries, performance venues, and arts festivals. Institutions such as the Naples Philharmonic and the Baker Museum host a variety of world-class performances and exhibitions. Art shows, craft fairs, and cultural festivals are staples in the local calendar, offering regular opportunities for residents to immerse themselves in a diverse tapestry of artistic expression.

3. A unique resort lifestyle

Living in Naples feels like an endless vacation with dozens of unique things to do, courtesy of its resort-like ambiance. From high-end shopping districts and gourmet dining venues to luxury spas, the city rolls out a sophisticated lifestyle that mirrors the world’s most popular resort destinations. The array of well-manicured golf courses, lavish residential communities, and top-notch services create a distinct sense of living in a luxurious retreat, offering residents the perks of a holiday year-round.

4. Endless outdoor adventures

Naples is an outdoor enthusiast’s dream, with a smorgasbord of activities. The city’s adjacency to the Everglades presents fantastic kayaking, hiking, bird watching, and wildlife spotting opportunities. Fishing and boating enthusiasts will love the accessibility to the Gulf of Mexico’s bountiful waters. Whether it’s a serene bike ride along the city’s picturesque paths or an exhilarating jet ski adventure, Naples caters to all shades of outdoor passions.

5. Golf capital of the world

For golf lovers, Naples is nothing short of paradise. Fondly known as the “Golf Capital of the World,” the city offers a stunning array of meticulously designed courses that cater to beginners and experts alike. With over 90 golf courses and glorious golfing weather that lasts almost all year, the city delivers an unmatched golfing experience–a compelling reason to consider Naples your new home.

Cons

1. High housing costs 

One significant downside of living in Naples, Florida is the high cost of housing. The allure of the city’s stunning natural beauty and upscale amenities comes at a price, and that price often translates into steep housing costs. When it comes to Naples, Florida real estate, you’ll find that housing prices are considerably higher compared to other cities in Florida. As of April 2023, the median sales price in Naples reached $725,000 In comparison, the median sale price in Orlando stood at a more affordable $360,000, while in Tampa, it amounted to $420,000.

The demand for housing in this desirable location, coupled with limited available land for development, has resulted in a tight housing market and elevated prices. Additionally, the cost of living, in general, tends to be higher in Naples, which can further strain budgets and impact overall affordability.

2. Crowds of tourists

Being a popular tourist destination, Naples can get quite crowded, especially during the winter when ‘snowbirds’ from colder states flock to enjoy the balmy Florida weather. The influx of tourists can lead to overcrowded beaches, long wait times at restaurants, and a general increase in the hustle and bustle around the city, potentially hampering the tranquil lifestyle some residents seek.

3. Danger of hurricanes

Naples’ tropical paradise charm is somewhat tarnished by its vulnerability to hurricanes. Like much of Florida, the city faces an annual threat of these severe storms. This year alone, on average, floods have caused $1,399 in property damage for homeowners. While modern infrastructure and advanced warning systems mitigate the risks, residents must be prepared for potential evacuations, property damage, and the stress associated with hurricane season.

4. Low walkability

Despite its many charms, Naples falls short of walkability. The city has a below-average Walk Score of 35, indicating a strong dependence on cars. This can be a downside for those who prefer a lifestyle where amenities are within walking distance. 

5. Scorching summer heat

Summers in Naples can be intensely hot and humid. The city’s tropical monsoon climate means that summer temperatures frequently rise into the 90s (Fahrenheit), with high humidity levels adding to the discomfort. Those not used to such weather might find the summer months challenging and need to consider this aspect before moving.

Is Naples, Florida a good place to live? The bottom line

With its breathtaking natural beauty, lively cultural scene, and endless opportunities for outdoor adventure, Naples certainly has its merits. However, there are downsides to be mindful of. The high cost of housing can pose a challenge for those on a budget, and the risk of hurricanes and occasional tourist crowds can be drawbacks. Ultimately, the decision to make Naples your home depends on your priorities, financial situation, and tolerance for the mentioned considerations. By carefully evaluating these factors, you can determine if Naples is the right fit for your desired lifestyle and aspirations.

Source: redfin.com

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Have you ever heard somebody’s job title and wondered what it is they even do all day? Some jobs just seem useless, either to outside observers, or even to the people hired to work them. Some jobs are crucial to the organization; others are average, and some jobs may be just an accessory or unnecessary. Here are 17 jobs people hesitate to admit they find completely useless. Is your job here? Continue reading and let us know in the comments!

1. Sorting Files

Photo Credit: Shutterstock.

One person shared, “My very first job. I’m a toxicologist and was hired by a very big private laboratory. My main job was to sort and redirect case files depending on the time at which the results came out. THE DOCUMENTS WERE SENT TO ME IN EXCEL. I was getting paid to just click sort by date descendingly.”

Another user replied, “I had to do something similar to this when I was doing summer help at a steel factory. They paid me $14 an hour to sit there for eight hours and just move files to different folders and rename them. Sometimes I would pull weeds and paint walls, but that was about it.”

Sorting Files

Photo Credit: Shutterstock.

Another added, “Working for a big company, one of the top 20 in the world, I am realising how bad people are with basic computer tasks… like really bad!”

2. Teachers who Don’t Teach

Photo Credit: Shutterstock.

“My math teacher who tells me to log in to Pearson and then disappears,” one person stated.

“I dropped a university class this term because the week 3 assignment said to ‘look up how to do this on Google, Stackexchange, or ChatGPT.’ I’m not paying 1400 dollars to be taught by an AI chat bot, [lol],” another one shared.

“As a teacher myself, trust me, these are the kinds of colleagues we can’t stand,” one Redditor added.

3. Management Consultant

Photo Credit: Shutterstock.

One person stated, “Mine. I’m a management consultant and while I have quite a bit of industry knowledge and experience, my clients either have the same knowledge or they aren’t willing to accept change. Often times my firm gets paid a lot of money to make very little difference strategically and/or operationally. Where we do add value is in implementing enterprise-wide software solutions. Why do I stay? The money is pretty good given the futility.”

“I heard from an acquaintance of mine who is a management consultant that most of the time people just want to hear their ideas out of someone else’s mouth and will pay you to do it so that their peers will be more amenable to the idea,” another user replied.

One commenter added, “Nothing like a bunch of 20 somethings telling a bunch of C-Suit executives how to run a business.”

4. Pet Psychic

Photo Credit: Shutterstock.

One user said, “Our Golden Retriever was getting joint therapy (shoulder injury, worked with a vet, dog did swimming three days a week in a heated pool where he could exercise without putting weight on the joint, also did some exercises, is now fine. The place also did laser therapy and acupuncture for dogs.) Someone said something about ‘Hudson’ which is our dog’s name only they were talking to another dog. ‘Oh,’ they said, ‘That’s the dog psychic’s dog.’ Apparently you could find out what your dog was thinking. I know what my dog is thinking. Most of the time he either wants what I’m eating or he wants me to throw the ball.”

Another Redditor replied, “My cousin is a ‘pet psychic.’ She’s got quite the following on IG, a fancy website, and even a podcast. She claims to receive telepathic messages from your furry friends. She can even talk to reptiles and horses now! And she’s not horsing around, apparently each species requires a specific training. I’m not sure if she’s delusional or just scamming people, but either way, she’s making a lot of $$$.”

5. Elevator Attendant

Photo Credit: Shutterstock.

One person shared, “I’m so old I remember when they had these in department stores. Whilst shopping with my grandma one day we got in an elevator and the attendant asked if we wanted the second floor. My grandma replies, ‘Why yes, how did you know?’ He says, ‘Ma’am, there’s only two floors, and we’re currently on the first one.’”

“They’re from an era of manually operated elevators. You used to have to close the doors manually then use a lever to control the elevator and stop it just right at the floor you wanted. It was tricky and very dangerous if you got it wrong, so you had an elevator operator whose job it was to run the elevator,” the second one replied.

6. Telemarketers

Photo Credit: Shutterstock.

“Telemarketers, I don’t know a single person who has actually purchased something from a telemarketer. Maybe it’s something the older generation does but everyone hates them and immediately hangs up on them around me,” one person stated.

“I worked as a telemarketer for State Farm when I got out of high school, and in 8 months I had one person actually let me give her a quote. It was my aunt,” another Redditor replied.

One commenter added, “I remember when I was 12 I told this random telemarketer to get a life because at that point we were getting like 5-10 calls a day. She called me back and cussed me out. To this day, I think it’s so funny.”

7. Sign Spinners

Photo Credit: Shutterstock.

Sign spinners, or sign twirlers, are people who hold a sign and stand on the street to get attention and possibly a customer for the business that hired them.

“The job only exists because the businesses want to put a sign there, but it’s cheaper or the only legal option to hire a person to hold the sign and stand there,” one person shared.

“That was my job for one summer in college. I got to hang out outside and listen to music all day. But I always thought it was weird that they were paying some guy $15/hr to do the job of a stick and a piece of duct tape,” another commenter replied.

One Redditor added, “I had a job like that except I didn’t even have to hold the sign. They said I could just lean it against the front of the store and stand next to it.”

8. Paparazzi

Photo Credit: Shutterstock.

Everybody knows what the paparazzi jobs are doing—stalking people, taking pictures of them, and making money.

“You know why paparazzi make a ton of money and keep doing what they are doing? Because people keep buying their photos to put in magazines that people keep buying. Stop buying the magazines and watching the shows that feature their photos, and the paparazzi will go away. Easy peasy,” one person said.

Another commenter replied, “Scum of the earth.”

One user added, “They’re just filling a demand. I blame and judge those that consume the media they produce.”

9. Bathroom Attendants

One person said, “I don’t need somebody in there pulling paper towels out of the dispenser just to hand it to me and compel me to tip them.” The second one replied, “I never saw this until I was visiting Ireland a few years back, and man, was it annoying. It’s bad enough there’s a guy standing at the sinks watching you have a leak, but then he wants a euro or two for handing you a towel to dry your hands.”

Another commenter said, “They’re essentially bathroom security guards. They prevent people from doing drugs and having sex in the bathroom.”

10. Patent Trolls

Photo Credit: Shutterstock.

One user said, “People that apply for Patents. And then just hold onto them forever with no intent of making the thing. And then when somebody does make the thing, ho-boy, you owe me money because I own the rights to that thing! It’s one of those weird ‘Do nothing and hope to eventually get a big payout’ jobs, like Domain Squatters.”

Another commenter stated, “There should be a law that makes the patent public domain if the owner doesn’t actually use it. It would probably accelerate the progress of humanity by a big factor.”

11. Shop Security

Photo Credit: Shutterstock.

One person said, “Shop security—in most cases, they can’t legally do anything but just watch.”

Another user replied, “Depends on the type of security they invest in. Security guards who stand at the door all day in a uniform—yes you’re right, in most cases, they’re used as a deterrent. However, store detectives go undercover and try to blend in with other customers (in their own clothes, browsing stock and carrying a basket/trolley) so that they go unnoticed. Those people are allowed to tackle shoplifters and actually do something about it.”

One commenter said, “Security is used primarily for insurance and tax reasons. You have to show that your actively trying to prevent and deter theft and accidents.”

12. Car Dealerships

Photo Credit: Shutterstock.

“Just let me buy a car from the factory. Your job is to get me to pay as much as possible. So useless and so annoying,” one person said.

“It’s an ancient law that mandated dealerships so you’d have a guaranteed mechanic to work on it. Obsolete since auto shops are a thing,” another user replied.

“Car salespeople, realtors, stock brokers. They are pure middlemen who produce nothing for society other than putting cash in their own pocket,” another added.

13. Health Insurance Operators

Photo Credit: Shutterstock.

One person said, “While it’s a billion-dollar industry, health insurance. Literally, they exist to prevent you from cashing out on what you paid into. They have little to no medical knowledge, make everything more expensive, and exist solely as a useless middleman to make themselves rich.”

Another person shared, “Exactly. They just refused to cover my medication that they suggested several years ago to replace another medication that they did not want to cover at the time. This time they didn’t even offer a replacement, just refused to cover my meds without any explanation. It’s an absurd world where the insurance company makes decisions on my healthcare instead of my doctor.”

14. Homeopath

Photo Credit: Shutterstock.

“I’ll do you one better, a few weeks I saw an ad for a homeopathic veterinary doctor. I feel bad for the animals unfortunate enough to find themselves as patients,” one person shared.

“Ugh. Literally the only possible benefit homeopathy could have due to the placebo effect. Pets ain’t even benefiting from that,” the second replied.

15. Reiki Healer

Photo Credit: Shutterstock.

One person stated, “I knew a lady, very nice and caring, but off the wall hippie, who would charge people to hold her hand over them and transmit ‘healing energy.’ She also offered long-distance reiki where she promised to send you healing energy from her couch and would even set appointments to do just that.”

Another user added, “The funny thing is anyone can just open a Reiki clinic and call themselves an expert/shaman. If you go to school for it you’re just another victim of the grift.”

16. Middle Management

Photo Credit: Shutterstock.

“Most middle management positions. Their job is literally to take things from above and send them below, and to have someone to shift blame to.” one person expressed.

“Don’t forget all the useless meetings that they organize. I bet redundant managers everywhere were really sweating for their jobs when everyone was WFH,” another one added.

 Another commenter said, “You clearly have no idea what management does. Or worked on a team that was poorly managed.”

17. Hedge Fund Managers

Photo Credit: Shutterstock.

One Reddit user said, “They produce no goods or services that actually make the world a better place. They are gamblers and leeches on society.”

Another user replied, “I’m convinced that half the time, even the news articles about stocks are [intentionally] misleading in order to get uninformed people to bet against the winning play.”

Original Reddit Thread here.

Here are 10 of The Most Beautiful Songs People Have Ever Heard

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What’s your favorite song of all time? Check out this article with ten of people’s favorite songs of all time.

10 Movies People Said were Awful that are Actually Great

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Have you ever been warned away from a terrible movie only to discover that you really love it? Check out this list of movies people said were terrible, but turned out to be fantastic!

10 Actors People Never Believed would Become as Big as they Did

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Have you ever been surprised at an actor or actress’s success? Us too: check out this article of celebrities we never thought would get this popular.

10 Celebrities People Automatically Assume will make a Movie Great

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Who’s your favorite celebrity? Would you watch anything they’re cast in? Check out this compilation of Redditors’ favorite actors!

10 Best One-Note Actors of All Time

Image Credit: Shutterstock – Tinseltown

Can you think of any actors or actresses who were great, and then weren’t? Here’s our top list of one-hit wonders, all in one place!



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Source: financequickfix.com