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Apache is functioning normally

In another odd twist for 2023, the ability to split up after a divorce seems to be another casualty of the high mortgage rate environment.

Couples who may have locked in a very low mortgage rate in previous years — but who are now seeking to end their marriages — are finding themselves needing to remain in their homes together as high rates make moving out an unaffordable prospect, according to a report at the Wall Street Journal.

“Mortgage rates are over 7% and average home prices have hit record highs,” the report says. “This means more couples can’t afford to leave their home with its less than 3% mortgage interest rates and set up two different households. Renting isn’t always an option either given that rents have risen more than 9% over the last two years.”

The reality has led to awkward arrangements for impacted divorced couples. Separately “assigned” floors for estranged spouses, separate purchases of groceries and scheduled times for doing their laundry, to name a few.

“One woman locks her bedroom door and keeps her supply of batteries and toilet paper in her closet,” the report says. “Many don’t tell colleagues about the set up because it seems unthinkable or they are embarrassed. They try to maintain civility for the kids and hold tight until they can afford to buy, rent and furnish two homes.”

In one example, a couple bought a Mesa, Arizona, home for $600,000 at a mortgage interest rate of 5.62% in the summer of 2022. The initial plan was to refinance when rates improved, but they’re now seeking a divorce and living in a home that has dropped in value.

The couple remains on amicable terms and stayed in the home together for two months, but when it became too awkward they sought out new living arrangements. One found an affordable rental via social media, while the other is staying in the house but is not making any payments on it until it sells.

Another estranged couple in the Phoenix area worked out an arrangement on their home with a 3.25% mortgage rate. The wife bought out 40% of the husband’s equity and agreed to pay the remainder within three years.

“She would have preferred a clean break from her ex, rather than dragging the commitment on for three years, but she says it was the only option given today’s elevated mortgage rates,” the report said of the arrangement.

The wife blamed elevated mortgage rates on the unusual arrangement.

“If rates weren’t so high, I would have sold the house and moved somewhere within the city or refinanced,” she told the Journal.

Source: housingwire.com

Apache is functioning normally

Tucked alongside a large dorm building on the fringes of Woodbury University’s campus in Burbank is a small but very eye-catching house. The 425-square-foot home is contained by a gently curving concrete form equipped with a generous porch and a dramatic sloping roof. Slender, carefully staggered floor-to-ceiling windows gently illuminate the interior.

It’s a nice piece of architecture. What makes it truly remarkable is who built it — and how.

The Solar Futures House, as it is formally known, was designed by Woodbury architecture students and constructed out of concrete using the latest 3-D printing technology. It is the first such permitted structure in the city of Los Angeles, according to Woodbury architecture dean Heather Flood. And it was built by Emergent, a 3-D printing construction firm based in Redding. (A quick geography explainer: While Woodbury has a Burbank address, a piece of the campus, where the house was built, is located within Los Angeles city limits — hence the L.A. permits.)

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Most notable is how quickly this project came to fruition. “It was 15 months from design, going through the permitting process with the city, working with the printing company and dealing with 14 atmospheric storms,” says Kishani De Silva, chair of the construction management program at Woodbury, who served as faculty lead on the project. “It came to life on the 12th of May. … The next day the students literally graduated.”

From design to near completion in 15 months? In bureaucratic Los Angeles, that counts as damn near miraculous.

Woodbury student Sergio Santos, second from right, joins Woodbury faculty and administrators Kishani De Silva, left, Heather Flood and Aaron Gensler in front of the Solar Futures House.

(Genaro Molina / Los Angeles Times)

Certainly, it helped that students were collaborating with municipal experts from the Mayor’s Office of Energy and Sustainability, the Bureau of Engineering and a nonprofit clean tech incubator at the Los Angeles Department of Water and Power — organizations that could help navigate the red tape. But at a time when our region is gripped by a housing and homelessness crisis, it is nonetheless a model worth examining.

To be clear, the house is not 100% complete — though it’s awfully close. A couple of the interior areas are still in need of drywall, and some exterior features and the landscaping remain unfinished. Moreover, the building will require a certificate of occupancy from L.A.’s Department of Building and Safety.

But it is an impressive piece of design, achieving a lot in a small space.

The layers of 3-D-printed concrete give the walls a geologic look, and the curving shape and high ceilings prevent this intimately scaled studio from feeling like a shoebox. In addition, the covered porch and the living room are connected by a sliding door; throw it open and the space feels bigger and airier.

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A combined living/sleeping area in the foreground leads to an open kitchen/dining space in the Solar Futures House at Woodbury University.

(Carolina A. Miranda / Los Angeles Times)

And, true to its name, this is a structure that prioritizes environmental concerns.

The Solar Futures House began as an entry in the Solar Decathlon, a national collegiate competition organized by the U.S. Department of Energy that encourages budding designers to create high-performance structures powered by renewable energy.

In the spring of 2022, a class of Woodbury students submitted a design proposal and was selected as one of 14 finalists, receiving a $50,000 grant for construction. By the fall of that year, the team was breaking ground.

The structure they proceeded to build was all about efficiency. Shower water is recirculated for toilet flushing. The home’s bending form and sloped roof are designed to respond to the angle of the sun over the course of the year, thereby maximizing the generation of solar power. Currently, the structure features one solar array on the roof, which makes the building net zero (meaning no additional electricity is needed to power the home). Add another and it becomes net-positive, supplying energy to the grid.

The angled roof is made out of a reflective, resin-coated metal and sits atop 9 inches of mineral wool insulation, which helps preserve the building’s interior temperatures and buffer external noise. (Woodbury’s campus sits next to the 5 freeway, but between the double-layer concrete walls, the triple-glazed windows and the insulation, the house feels peaceful.) Mineral wool insulation also functions as a fire barrier — addressing another environmental concern in California.

To mitigate the use of concrete, which is carbon-intensive, the team developed a formula that contained a higher percentage of fly ash, making it more sustainable. The precise nature of 3-D printing also means that no concrete goes to waste.

This new construction method allowed for the speedy erection of the building’s double-layer walls: De Silva estimates that printing took about three days. It also let students play with form. In a traditional stick-build structure, 90-degree angles are the most efficient way for walls to meet. But 3-D printing allows for more flexible shapes; hence the curving walls, which give the house a more organic feel. Take the bathroom: Designed to be compliant with the Americans With Disabilities Act, it is no afterthought — it’s tucked into an attractive rounded room that also includes laundry facilities.

A bathroom with a curving wall in the Solar Futures House is attractive, space-efficient — and it meets ADA standards.

(Genaro Molina / Los Angeles Times)

Naturally, the DOE’s grant didn’t cover all of the costs.

Flood estimates that the budget for the house currently stands at about $250,000, including in-kind support and donated services from area firms. L.A.-based Nous Engineering pitched in on the structural work, while Breen Design Group in Torrance helped with the mechanical systems; Mitsubishi Electric donated an HVAC system and Ikea supplied furnishings.

The Solar Futures House is a significant achievement — especially considering that Woodbury is a small school (with fewer than 1,000 undergraduates) and its accredited architecture program is relatively new, established in 1994. The university serves students primarily from Southern California, many of them Latino, making it a designated Hispanic-Serving Institution. (The school plays a critical role in diversifying the field, since architecture remains overwhelmingly white.)

Two dozen students worked on the Solar Futures House over a period of two academic years, rotating in and out of the project as part of their coursework. But a number of them were able to see it through from beginning to end, including Karin Najarian and Jade Royer; Sergio Santos was able to work on the home throughout the entire final year.

A day bed in the Solar Futures House could serve multiple functions.

(Genaro Molina / Los Angeles Times)

The Solar Futures House soon will be habitable; university administrators are debating how it might be used. Possibilities include a guest house for visiting speakers or a residence for a housing-insecure student.

Whatever its ultimate purpose, the home will continue to function as a teaching tool. “It’s a prototype for a method of design and construction and the actual shape and form could be varied,” says Flood. “It could conform to many different site conditions. You can nest multiple units together in a way that would take advantage of structural efficiencies.” (Construction companies already have begun to create two-story structures using 3-D printing technology.)

Woodbury students will be able to take this initial concept and run with it, refining and adapting it to suit the needs of other constituencies, such as the elderly.

The house may be almost complete, but the ideas that informed it are just beginning to take off.

To learn more about the Solar Futures House, and keep up on any upcoming public events, check the project’s website at solar.woodbury.edu.

Source: latimes.com

Apache is functioning normally

Crate & Barrel will never let you down. And now that it’s Cyber Monday, it won’t let your wallet down either.

The coveted retailer is commonplace for wedding registries and, of course, holiday gifts. Now, Crate & Barrel is hosting its first-ever Cyber Monday Warehouse Sale where you can find up to 30% off sitewide.

From dinnerware sets and sectional sofas to the most festive of candles and the plushest of blankets, we’re all about its online catalog right now.

So, the New York Post rounded up a cheat sheet of the best Crate & Barrel finds that are all on sale and waiting to be placed into your online shopping cart.

Now through Nov. 29, enjoy up to 50% off furniture, up to 20% off best-selling sofas and sectionals, free threshold shipping for orders of $99 or more and up to 30% off favorites (including entertaining items, holiday decor, kitchen brands and select bedding and lighting).

More, find up to 60% off clearance items while supplies last. In short, it’s a shopping soiree we’re marking as one word: sensational.

Crate & Barrel

The Hague Mid-Century Sofa has a contemporary charm we love — and it’s $300 off for Cyber Monday. Its flared arms, tapered conical legs anad nestled cushions make it a bit more upscale than other models you may see online, too.

Crate & Barrel

It’s not the time to skip on Crate & Barrel’s outdoor patio furniture offerings. For a limited time, invest in the Jeannie Teak Outdoor Chaise Lounge by Leanne Ford. We love its well-made silhouette and resort-grade cushion, most of all.

KitchenAid Artisan Series Matte Milkshake 5-Quart Tilt-Head Stand Mixer

Crate & Barrel

As a top gifting pick, the KitchenAid Artisan Series Matte Milkshake 5-Quart Tilt-Head Stand Mixer is on sale for $100 off at Crate & Barrel in a sea of beautiful colors to best suit your kitchen and aesthetic. From mixing cake batter and whipping cream to kneading bread dough, it’s a surefire staple.

Le Creuset Signature 7.5-Quart Enameled Cast Iron Chef Oven

Crate & Barrel

Meet one of the most beautiful pieces of kitchenware we’ve ever seen: the Le Creuset Signature 7.5-Quart Enameled Cast Iron Chef Oven. This Cyber Monday, enjoy nearly $200 off this stovetop decor piece and versatile cooker.

Faux Hemlock 74″ Pine Pre-Lit LED Christmas Garland

Crate & Barrel

No, it’s not too late to pick up elevated Christmas decor. We’re all about the Faux Hemlock 74″ Pine Pre-Lit LED Christmas Garland, especially now that it’s just over $100 right now.

Nespresso Lattissima One Silky White Espresso Machine by De’Longhi

Crate & Barrel

The Nespresso Lattissima One Silky White Espresso Machine by De’Longhi is one of the most aesthetically pleasing coffee makers that crafts barista-style brews in a flash. Trust us when we say, a Nespresso machine is the *best* gift we’ve ever received.

Cuisinart Custom 14-Cup Food Processor

Crate & Barrel

If you’re on the hunt for a newly minted food processor, we have the Cyber Monday deal for you. The Cuisinart Custom 14-Cup Food Processor is on sale for $50 off at Crate & Barrel and from a brand we trust.

Crate & Barrel

Pick up the J.K. Adams Heritage Serving Board at Crate & Barrel — the serving essential for your next charcuterie. It’s just shy of $100 for a kitchen grab you’re sure to use on repeat.

Crate & Barrel

Upgrade your indoor botanical center with the Wesley Metal Plant Stand. We love the traditional, timeless look of these sleek and tall planters. Oh, and there are two sizes to choose from (or, our idea: purchase both for added dimension).

Crate & Barrel

If you’re all about finding cookware on sale for Cyber Monday, we recommend the Zwilling Clad Xtreme Hard-Anodized 10-Piece Cookware Set at Crate & Barrel. This set includes 8- and 10-inch fry pans, 2- and 3-quart lidded sauce pots, a 3-quart lidded sauté pan and a 6-quart lidded Dutch oven.

Crate & Barrel

The Doret White Jersey Quilt Full/Queen is your solution to clean, white bedding — at a discount, nonetheless. Not to mention, Crate & Barrel has some exquisite duvet covers, if we do say so ourselves.

Crate & Barrel

The Cassi White Table Lamp has to be one of the most beautiful table lamps we’ve seen. Worth the splurge, its neutral charm is just what we love to adorn our dressers and coffee tables for a little home decor refresh.

Crate & Barrel

The Breville Smart Oven Air Fryer Pro is a kitchen appliance the New York Post team raves about (simply because it’s one of the best air fryer and toaster oven hybrids). Now, you can score it for even less.

Crate & Barrel

The Cuisinart Espresso Defined Espresso, Cappuccino and Latte Machine is easily one of the coolest coffee makers we’ve seen, thanks to versatility and entertaining hotspot. Additionally, you can choose your ideal brewing temperature, espresso volume, milk volume and standby time.

Crate & Barrel

Pick up a multi-purpose furniture piece — the dining table and the home office desk. Thanks to Crate & Barrel’s Seb Oak Wood Desk/Dining Table, you’ll be scoring this stunning two-in-one showpiece for just under $1,000.

Check out the New York Post Shopping section for more content.

Source: nypost.com

Apache is functioning normally

Many frequent travelers carry tales of delayed flights and disappointing hotel rooms. Yet Airbnb “horror stories” are a genre all their own.

Videos with the tag #AirbnbHorrorStory have more than 63 million views on TikTok, featuring guests venting about unclean properties and last-minute cancellations leaving them stranded. The website Airbnbhell features hundreds of similar accounts, where things do not go as expected for short-term renters.

While many of these stories offer little more than schadenfreude, others can act as instructive lessons for travelers looking to avoid similar pitfalls. While there’s no way to avoid short-term rental surprises outright, many guests who have experienced them say there were warning signs they wished they had watched out for.

Look for reviews

Jack Epner, a marketing consultant and digital nomad, has lived out of Airbnbs for more than four years. Of the many difficult stays in that time, one rental — a house in Ecuador — stands out.

“It wasn’t clean, distinctly not clean,” Epner says. “We’re talking black mold all over the kitchen, hair all over the bedding. I ended up with bed bugs.”

Beyond that, Epner says the host’s friends would use the front lawn as a parking lot, and the host entered the (private) property unannounced several times.

After messaging several Airbnb customer service teams, Epner was eventually able to receive a refund. Yet the stay was so difficult, that it forced a recalibration of how much emphasis he now places on guest reviews.

The home had only one review, from a local, Epner says. And while he would usually look for more reviews before booking, the lack of availability at the time made him willing to take the risk. He says that’s a risk he won’t repeat.

“I do avoid places without reviews now,” Epner says. “If there’s really only one review, I’ll be wary; I would like to see two to three minimum. The more reviews the better.”

Have a backup plan

When Agnes Groonwald saw an Airbnb listing in Crestone, Colorado, it looked too interesting to pass up.

“The place was intriguing. It looked like a spaceship buried in the ground,” Groonwald says.

Groonwald, a nomad and creator of the blog Travel on the Reg, says the listing’s uniqueness wasn’t totally convincing. Yet, with no other listings available nearby, it seemed like the best choice.

Upon check-in, she noticed another group was already there: a family of mice.

“As soon as we arrived, we saw a little critter in the kitchen sink,” Groonwald says. “This was an infestation; this was the real deal.”

Groonwald, too, was able to receive a refund for the booking but couldn’t find alternative lodging nearby at such short notice. That meant cohabitating with mice for several days.

“We would wake to the pitter-patter of little feet in the middle of the night,” Groonwald recalls, saying that the experience taught her two lessons.

First, don’t be drawn in by quirky photos. Staying in an unusual home, such as a spaceship, might sound fun, but it can mean dealing with equally unusual problems.

“Sometimes boring is better,” Groonwald suggests.

Second, make sure there’s a backup plan in place in case of deal-breaking problems. That doesn’t mean you have to book another rental, but just make sure there’s another lodging option available on the same dates in case something goes wrong with your Airbnb.

Communicate beforehand

Gabrielle Dahms, a realtor based in California, says she has always had good Airbnb experiences. Then, she checked into a five-day Airbnb rental in San Rafael, California, and discovered an unexpected hazard: synthetic fragrance dispensers.

“Anytime anyone made a movement, these things dispensed fragrance,” Dahms laments. “Within two hours, my sinuses were completely swelled up.”

Dahms complained to the host and Airbnb customer service, which resulted in receiving a one-star guest review. It has since soured her on the entire platform.

According to Epner, these problems of mismatched expectations between guests and hosts can be addressed by communicating with the host ahead of time.

“Anytime there’s the potential to not be on the same page, I think it’s helpful to connect before booking,” Epner says.

He learned this lesson after staying with a host who wanted to be friends with guests, rather than respect privacy. He now messages hosts with a few questions before booking, to gauge their communication style.

“Do they treat it as a dumb question, or are they polite?” Epner says. “Anything I can do to get the sense of the host before booking, I’ll do that.”

This article was written by NerdWallet and was originally published by The Associated Press.

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:

Source: nerdwallet.com

Apache is functioning normally

Efficiency, AVM, POS Products; MI, Wholesaler, Correspondent News; STRATMOR M&A Interview

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Efficiency, AVM, POS Products; MI, Wholesaler, Correspondent News; STRATMOR M&A Interview

By:
Rob Chrisman

Wed, Nov 22 2023, 9:42 AM

“I threw my phone from the roof, and it broke. I guess airplane mode wasn’t working.” Plenty of folks will be traveling soon. Here’s some trivia for tomorrow at the dinner table! (One wonders if residential lending is heading in this direction) … But there are only 12 passenger airlines in the United States. That’s up from 10 just a few years ago but down from about 80 airlines at the peak industry in the 1980s due to a series of bankruptcies and mergers. Four of those companies (Delta, United, American, and Southwest) control 80 percent of the market, with the remaining 20 percent being low-budget airlines that are increasingly struggling. The average airline fare has declined 13 percent over the past year, and that’s been causing issues for the companies that specialize in lower fares, as many of their customers are now seeing the big guys as more accessible than before. (Today’s podcast can be found here, sponsored by Candor. Candor’s patented automated underwriting decision engine, CogniTech, is a state-of-the-art, 100 percent machine platform that can handle infinite loan scenarios. Hear an interview with the STRATMOR Group’s Garth Graham on M&A activity in 2023 and trends in the space heading into 2024.)

Lender and Broker Software, Products, and Services

With increased regulatory focus on property-valuation bias, lenders need robust risk-management processes in place. The recently released interagency proposals on AVM quality control and ROV-process guidance are designed to prevent valuation bias and help ensure industry stakeholders follow fair-lending practices. Watch our complimentary on-demand webinar to learn how you can prepare, and implement the tools needed to support the proposed AVM standards and ROV guidance.* Our experts discuss how to identify potential bias in valuations, ways to mitigate bias risk, how to monitor AVM and appraisal compliance with fair-lending requirements, and more. Watch this timely and important webinar here. *Check with your compliance or legal department for information on complying with applicable law.

Pipeline as dry as your mother-in-law’s turkey this time of year? Moisten it up with LiteSpeed by LenderLogix.

From zero to correspondent in 60 seconds… Building a correspondent channel requires exceptional customer service, precise execution, & immediate responses. Regular way, it’s costly & inefficient. Blue Water has solved this. Our comprehensive Correspondent-as-a-Service (CAAS) solution allows firms of ANY size to quickly streamline their operations and get up and running. Automated bidding provides instant pricing via email, branded portal & bid desk for sellers facilitated by our tape crack features and customizable seller settings. Ingest multi-seller tapes, price different product types, access agency pricing and LLPAs. (“Blue Water”) will integrate with your LOS for point and click onboarding, help you transfer loans, and manufacture clean product. Choose an optimal Servicing execution, best-ex in-bound loans and drive volume. Make $, grow your business and pay as you go with no upfront cost. From pricing, valuations, transactions, transfer, QC, to boarding, Blue Water makes it easy to scale up your business. Connect with our expert Sales Team.

Orion Lending slashed its annual expenses by $300,000 and boosted its conversion rate by 32 percent using Truv’s income and employment verification solution. “Truv transformed our verification process, expanding our reach and cutting costs,” asserts Richard Plummer, EVP of Operations at Orion Lending. Stop Overpaying. Highlights include impacting $300,000 annually in savings as a result of increased conversion rates, 32 percent end-to-end conversion rate, an increase of $100 in savings per application, implementing Truv in a couple of weeks, and reduced the loan manufacturing time and approval process by several days. Contact TRUV today for your income, employment, insurance, and asset verifications.

Miscellaneous Wholesaler, Correspondent, and MI News

Angel Oak Mortgage Solutions announced the release of its new DSRC Loan Calculator, providing borrowers with a quick and straightforward tool to estimate whether or not a property’s expected cash flows are sufficient to repay the mortgage loan. In tandem with Angel Oak’s DSCR Loan program, the DSCR Loan Calculator helps you show borrowers what their monthly fixed payment or monthly interest only payment would be depending on the option they seek.

Fifth Third Correspondent Lending News 2023-7-11.13.23 discusses Final Document Reminders, and Fannie Mae Products 2-4 Unit LTV.

PRMG Product Update 23-52 clarifies information on Expanded Access including multiple Financed Properties requirements for Pime and Plus connect, prepay is no longer allowed in KY and LA. Also, due to prepay not being allowed in KY, Investor Premier is no longer eligible in KY. Updates to Choice Products Profile and/or Expanded Guidelines which includes revisions to investment properties standard prepay penalty amount and increased maximum interested party contributions. Revised guidelines for Short Term Rental income. Updates to Product Profile and/or Expanded Guidelines on Choice Stretched Prime and Choice Non-Prime, Choice DSCR, and Closed End Second Products.

Reach more clients with loan programs that allow Manufactured Homes. LoanStream Mortgage knows the complexity of financing these types of homes and can help your borrowers attain a mortgage by offering a variety of loan solutions to fit their needs. Loan Programs allowing Purchase & Refinance Manufactured Homes include Conventional – Fannie Mae FNMA, RefiNow, FHA, VA, MaxONE. The following are not allowed on these programs: Non-QM / NanQ, Conventional – Freddie Mac – FHLMC, USDA, and Jumbo ONE.

Did you know that borrowers can turn cash-only properties into their dream homes with a renovation loan? When homes don’t meet the minimum property requirements (MPR), Plaza Home Mortgage® has the solution. Renovation loans can help elevate homes to meet MPR standards, and the improvements can even take place after the closing process. What’s more, qualified borrowers can be approved based on the future value of the improved property, making this option accessible to even first-time homebuyers. Renovation is becoming an increasingly popular strategy in today’s high-cost, tight inventory housing environment. Plaza Home Mortgage® makes it easy to capture more business in this growing lending segment. We offer multiple renovation loan options and have a department of dedicated renovation specialists to walk you through every step.

An ADU, or Accessory Dwelling Unit, is defined as an additional unit on a residential lot in addition to the main house (or main multi-family building). Recently in Los Angeles County, Orange County and California as a whole, new laws SB9 & SB10 and guidelines regarding ADU’s have been modified to allow for more ADU construction as a way to help solve the CA Housing shortage. The newer laws allow for much higher density in transit rich areas or urban infill areas. Visit 17th Street Capital for Lending Criteria & Guidelines.

The availability of 2-1 Seller Paid Buydown options with CalHFA programs from Kind Lending. This new option will be offered on both CalHFA Conforming & CalHFA FHA 1st loans: the Seller or Agent may provide buydown funds, subject to the standard IPC limits, Lender paid buydowns are not offered. Buydowns are allowed for conforming and high balance loan amounts. The borrower is qualified at the note rate fully amortized (not the buydown rate).

National MI announced updates and clarifications regarding underwriting changes to support affordable housing initiatives, effective November 18, 2023. View National MI Announcement Bulletin: UW 2023-04, and Servicing Guide for details. Additionally, National MI posted a Rescission Relief Guide in alignment with Fannie Mae and Freddie Mac retirement of Covid-19 forbearance requirements for all forbearance evaluations with an evaluation date on or after November 1, 2023, including evaluations for new forbearance plans and evaluations for extensions to existing Covid-19 forbearance plans.

Arch MI noted, “In response to Fannie Mae’s recent Desktop Underwriter Release Notes expanding LTV ratios for 2- to 4-unit properties and to further support affordable housing, Arch MI reminds our customers that our EZ DecisioningSM Program allows 2 to 4 units at a maximum 95% LTV ratio as follows…” (See the bulletin for full details.)

Radian MI revised its Eligibility Matrices to include One Underwrite (AUS) to reduce the minimum FICO from 700 to 620 for 3-4 unit properties.

MGIC reminded clients of the tools that can help turn renters into first time home buyers.

Capital Markets

Markets largely shrugged off the release of Fed minutes from the November meeting yesterday as old news with no surprises. Minutes showed that policymakers see room for additional tightening if incoming data shows insufficient progress toward slowing inflation, but they would also like to see more evidence to suggest that inflation is slowing toward the central bank’s target. Yes, the markets are pricing in rate cuts as early as March of 2024, but the markets and the Fed have been on different pages for most of the post-pandemic economy. Higher-for-longer rates have created a frozen U.S. housing market as homeowners are reluctant to sell and buyers are squeezed. The U.S. 30-year fixed mortgage rate has risen 460 basis points over the past three years.

Existing home sales fell 4.1 percent in October to a seasonally adjusted annual rate of 3.79 million, according to the National Association of Realtors. That is the slowest pace of sales since August 2010. Sales were down 14.6 percent from one year ago, though the median home price rose 3.4 percent to $391,800, the fourth consecutive month of year-over-year price increases. Sales continue to be hurt by persistent lack of housing inventory, high prices, and the highest mortgage rates in a generation. The inventory of unsold existing homes grew 1.8 percent from the previous month to the equivalent of 3.6 months’ supply at the current monthly sales pace. Multiple offers are still occurring, especially on starter and mid-priced homes, even as price concessions are happening in the upper end of the market.

As U.S. bond yields continue to fall, mortgage applications increased 3.0 percent from one week earlier, the third straight increase according to MBA. That kicked off today’s economic calendar, and was followed by October durable goods orders (soggy), and weekly jobless claims (209k, down from 231k, better than expected). Later today brings final November Michigan sentiment, Treasury announcing the auction sizes for next week’s 2-, 5-, and 7-year notes, and Freddie Mac’s Primary Mortgage Market Survey. Unlike Friday, today is not an early close, but it is likely to trade like one. We begin the last full session of the week with Thanksgiving looming tomorrow and an early close on Friday with Agency MBS prices better .125-.250 and the 10-year yielding 4.38 after closing yesterday at 4.42 percent.

Employment and Transitions

“It is with great pleasure that GHMC TPO announces the latest addition to our esteemed sales team: Mr. Tom Carroll. Tom assumes the role of National Account Executive, overseeing our Midwest region. We are excited about Tom joining our team and eagerly anticipate the opportunity for you to benefit firsthand from his experience and exemplary customer service. Furthermore, GHMC TPO has successfully completed the transition into the First Colony Mortgage family. We are on a mission to be the first choice of loan officers nationwide by offering consistent competitive pricing, superior service, and best in class technology. Check us out here or email Rex Hagood.”

“SWBC Mortgage fosters an environment where our Loan Officers can thrive and continue to provide exceptional service to their clients and partners, even during tough times. One of the most successful ways our team has stayed connected and engaged this year is by hosting educational workshops across the country. One in particular features Blake Hastings, SVP Corporate Strategy & Chief Economist at SWBC. As keynote speaker of 12 workshops, he has covered local and national economic analysis and provided dynamic forecasts for the coming months. Support is more important now than ever before. Because SWBC Mortgage has the right resources available to our teams, we are able to navigate challenges with resilience, while continuing to grow in a down market. To learn more about career opportunities at SWBC Mortgage contact Scott Brown, EVP of Retail Sales or visit us here.”

Movement Mortgage is helping builders and buyers navigate the high-rate environment with its new Lock It & List It program. Designed for new home builders, the program allows builders to lock in and buy down an interest rate today, PLUS pay up to the maximum amount of seller contributions toward closing costs. With Lock It & List It, builders can attract new buyers with competitive interest rates and closing cost savings, give buyers rate confidence with one free float down, and meet many buyers’ needs as the program is available for 30-year conventional, VA and FHA loans. By empowering builders to enhance home affordability and attract a broader pool of buyers, Movement is revolutionizing how builders navigate the complexities of today’s real estate landscape. Learn more here and contact Movement today to get locked in!

 Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

Apache is functioning normally

You’re on the apartment hunt and know you want something on the smaller side. It’s just going to be you, or you and your significant other, so one bedroom is all you’ll need. You start looking around. You see some great one-bedroom places, but they’re a little on the expensive side. Then, you see your first studio apartment. It’s a little different as far as layout goes, but the price looks good and you could make this work … maybe.

It’s not an uncommon debate to have, studio vs. one-bedroom apartment when looking for a new home that’s the right fit for your lifestyle. Before deciding which one is right for you, it’s good to understand how each place is different.

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What is a studio apartment?

Unlike an apartment with bedrooms, a studio is going for a more compact design. “A studio apartment is basically a self-contained unit and houses everything in the single room space except the bathroom,” says Stefan from homedit.

With a studio apartment, you’re getting some variation of a single large room with attached kitchen or kitchenette, and a separate bathroom. It’s a limited area to work with if you want to create the feeling of separate rooms without walls to break up the space. Your design strategies and furniture placement can help establish defined space. You can make it clear which part of your studio is for sleeping, eating or hanging out with friends.

Studio apartments usually max out at a total of 600 square feet but can get as small as 300 square feet. The smaller the space, the more creative you’ll become in finding storage and places for all your things.

Rental prices for a studio apartment, according to the Apartment Guide 2019 Annual Rent Report, average around $1,065 a month. However, which part of the country you call home directly affects this number.

What is a 1-bedroom apartment?

There’s one essential difference between a studio and one-bedroom apartment, and that’s the bedroom. You also get a few more walls and a distinct separation of spaces. There’s a clear division between your living room, bedroom and kitchen. You may also have a few more closets and a dining space.

Square footage in a one-bed has a decent range. Smaller one-bedrooms can equal the size of a large studio. Even with the same square footage, a one-bedroom can end up feeling larger since you’re not looking at all your space in a single area.

One-bedrooms often have a monthly rent that’s a little higher, averaging around $1,140.

Studio vs. 1-bedroom: Factors to consider when selecting your apartment

Understanding the benefits of living in both a studio and a one-bedroom apartment can help you decide which option is best for your next home. The two biggest differences between your options are the obvious ones — size and price.

Not only will you pay more for rent, on average, for a one-bedroom, but utilities will cost more. You’ll have more space to heat or cool. There’s also more rooms with more lights, and more outlets to suck up electricity. When budgeting for a one-bedroom, it’s helpful to take into account your monthly costs of living on top of the rent. You can ask the property owner of the apartment you’re considering to get estimates on utility costs.

The difference in size can mean a little or a lot more room, but it’s really all about what space you need to feel comfortable at home. Some people do better in a more cozy home, while others need room to stretch out.

Beyond the cost and the square footage, there are a few other ways studios and one-bedrooms compare. These key areas should also get factored into your apartment selection.

1. Privacy

In a studio, where you sleep is also where you eat, work and hang out. A one-bedroom gives you the dedicated space of both a bedroom and a living area. It offers more privacy overall because there’s a door to close between rooms. This is especially important if you have friends or family visiting, crashing on the couch or if you need some time away from your live-in significant other.

If you live alone and don’t use your apartment as a place for social gatherings, you may get all the privacy you need in a single room. Without guests sitting on your bed, because there’s nowhere else to sit, you can retain the privacy of your sleeping space without needing a separate room.

2. In-unit amenities

With the extra size of many one-bedroom apartments, there’s the potential for amenities that couldn’t fit in a studio. Your one-bedroom could have in-unit laundry hookups, more than one sizable closet, full-sized appliances and more storage in general. These are great amenities, but not necessary.

The laundry room in your apartment building could be nice enough that you won’t miss having laundry in your studio. Maybe you prefer to send your laundry out so don’t care if there are machines in your apartment or your building. Having a smaller refrigerator is fine while you’re living on your own, so the space-saving appliance in your studio is great.

Amenities, by definition, are bonus items in your home, and many people have different must-haves.

3. Lifestyle

How you like to live can impact what kind of apartment you’ll need. If you like to have friends over for potluck dinners, watch a favorite TV show or sample some wine at a happy hour, you may need an entertainer’s amount of space.

If you’re planning on living alone or with a significant other you’re very comfortable with, you might not feel compelled to have as big of a place. The important thing is to find an apartment with enough space to allow you to keep being you.

The space you need also relates to your professional lifestyle. If you have a job where you’re always traveling and are never home, why get a big place to sit empty? Having a studio that’s compact and easy to care for might be the right step for your lifestyle. If you work from home, it might be more comfortable setting up a desk in its own space and not on top of everything else.

4. Location

The price will once again impact your apartment decision when it comes to apartment location. If you want to live close to a city center or right near work, you can end up in an area of town where the property is more expensive. It might not be affordable to have a one-bedroom, but studio prices could be low enough to get you into your ideal location.

On the flip side, if you want a bigger space and can handle living outside of town, you may find an affordable deal on a one-bedroom right outside the city. According to Forbes, rent can be 31 percent cheaper if you’re living outside of an urban area. You’ll need to factor in the cost of commuting back into the city for work, but you can still come out ahead with the right apartment.

5. Studio vs apartment upkeep

Both decorating and cleaning are easier when you have less space. It’s faster to clean a studio apartment. There are also fewer walls to decorate. That said, the smaller space can lend itself to more clutter since you’re without a lot of storage options. Either way, you’re going to have to clean a bathroom, and nobody likes doing that.

Is a studio or one-bedroom better?

There’s actually no simple answer to this debate since the better place for you revolves around your own needs and budget.

“Deciding where to live is a choice that impacts your lifestyle in many ways. Take the time to compare the cost of living and determine what’s best for you,” says Roger Wohlner from KeyBank. This is sound advice to keep in mind as you consider the pros and cons between studios and one-bedroom apartments.

Source: apartmentguide.com

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Are you searching for high-paying jobs that require no prior job experience? If you’re looking for high-paying jobs with no experience, it is possible to find them. There are many entry level jobs that you can start if you want to make a good income. Starting a new career path or entering the workforce for…

Are you searching for high-paying jobs that require no prior job experience?

If you’re looking for high-paying jobs with no experience, it is possible to find them. There are many entry level jobs that you can start if you want to make a good income.

Starting a new career path or entering the workforce for the first time doesn’t have to mean taking a low-paying job. In fact, there are many high-paying jobs that don’t require a ton of experience or an advanced degree.

26 Best High Paying Jobs With No Experience

There are 26 high-paying jobs with no experience listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:

  • Flexible way to freelance from home – Proofreading
  • Work from home as your own boss – Blogging
  • Make passive income – Sell printables
  • High paying customer-oriented job idea – Car salesperson
  • High paying travel job idea – Flight attendant

Is it really possible to land high paying jobs with no experience?

Yes, it is possible to find high-paying jobs even without prior experience.

So, you’re on the hunt for high-paying jobs but haven’t yet gathered a ton of experience? You’re not alone! Many people find themselves in this very situation, and the good news is, there are opportunities out there to make income even if you are brand new.

However, just because a job doesn’t require experience doesn’t mean it’s a walk in the park. In fact, it might be quite the opposite. These roles usually demand a quick learning curve and a can-do attitude.

So, while the entry requirements might be minimal and you may be able to learn as you go, the effort you put in can still be a lot.

Below are high-paying jobs with no experience.*

1. Bookkeeper

Degree or education requirements: High school diploma or equivalent

Training requirements: There is a free workshop from Bookkeeper Launch that can help you get started with becoming an online bookkeeper.

Salary: $45,860 per year

You can become a bookkeeper with little to no experience. A bookkeeper is a person who tracks the finances of a business, handles billing and payments, makes spreadsheets, etc., but that doesn’t mean you need to be an accountant or have any related experience.

Recommended reading: How To Find Online Bookkeeping Jobs

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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.

2. Blogger

Degree or education requirements: None

Training requirements: On-the-job training and How To Start A Blog FREE Course

Salary: There is no average. I have earned over $5,000,000 blogging over the years, but I also know others who have not earned income.

Blogging can be a fun way to make money from home, and you don’t need any previous experience. In fact, this is one of my favorite top-paying jobs with no experience.

When I started my blog, I had no idea what I was doing and simply learned as I went.

As a blogger, you have the freedom to write creatively and share your thoughts or expertise on any given subject. Your income will depend on blog traffic, advertising, and sponsored content.

Recommended reading: How To Monetize A Blog: How I Grew A $5 Million Blog

3. Proofreader

Degree or education requirements: High school diploma or equivalent

Training requirements: Proofread Anywhere has a free training on How To Become A Proofreader

Salary: $45,410 per year

As a proofreader, your job is to scrutinize written materials and correct typos, grammar, and punctuation errors.

Not even the best writers are perfect. They still make grammar, punctuation, and spelling errors, and that’s why professional proofreaders are such a huge help.

Proofreaders proofread books, articles, blog posts, student papers, emails, advertising content, medical documents, and more.

Recommended reading: 20 Best Online Proofreading Jobs For Beginners

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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.

4. Freelance writer

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training

Salary: $73,150 per year

I know many, many people who have found freelance writing jobs with no experience (myself included!). You don’t need a background in writing or a degree in English or creative writing. I, myself, was a freelance writer for many years, and I enjoyed it a lot. This is one of the best high income jobs with no experience out there.

A freelance writer is someone who writes for a number of different clients and across different types of content. They may write articles for magazines or blog posts, web copy, resumes, technical manuals, social media posts, books, and much more.

Freelance writers write blog posts, content for a company’s sales page, press releases, SEO content for a business, ebooks, essays, emails, newsletters, and more.

Recommended reading: 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)

5. Virtual assistant

Degree or education requirements: High school diploma or equivalent

Training requirements: I recommend taking an online workshop such as Free workshop 5 Steps To Become a Virtual Assistant.

Salary: $44,080 per year

Several years back, I worked as a virtual assistant. I didn’t have any experience before, but I learned as I went along. That’s why I believe it’s one of the best jobs to start with because it was my first job too!

A virtual assistant helps businesses and entrepreneurs with tasks like managing an email inbox, data entry, scheduling appointments, and customer service.

A virtual assistant is someone who works for a person, company, or business owner doing administrative and business tasks to help the business run smoothly. Think of VAs as the online version of an in-person assistant. You work online from home rather than inside someone’s physical business.

Recommended reading: Best Ways To Find Virtual Assistant Jobs

This free training shows you how to become a virtual assistant and work from home.

6. Flight attendant

Degree or education requirements: High school diploma or equivalent

Training requirements: Flight attendants get on-the-job training from the airline they work for.

Salary: $63,760 per year

If you want to travel and work, then this is one of the most fun high-earning jobs with no experience (as an employee of an airline, you typically get free or very discounted flights too!).

As a flight attendant, you have the opportunity to travel and assist passengers during flights. Flight attendants have two main jobs: they do regular tasks like serving food and drinks, and they also know what to do if something goes wrong, to keep passengers safe and comfortable during a flight.

No experience is usually required, but you will need to complete a training program with the airline.

Learn more at How To Become A Flight Attendant.

7. Insurance claims adjuster

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training which can last several months

Salary: $72,040 per year

An insurance claims adjuster investigates and settles insurance claims in the insurance industry. Claims adjusters are like investigators for insurance. They check if an insurance company should give money for a claim, and, if they should, they decide how much.

They determine whether the insurance policy covers the loss claimed, decide the appropriate amount the insurance company should pay, make sure that claims are not fraudulent, and more.

8. Construction worker

Degree or education requirements: None

Training requirements: On-the-job training

Salary: $39,520 per year

Construction laborers have a hands-on role on construction sites. They do physically demanding tasks like cleaning up and getting sites ready, putting up structures, and moving construction materials, among other things.

There is a lot of job growth expected for this career too!

9. Police officer

Degree or education requirements: Ranges from a high school diploma to a college degree (such as a degree in criminal justice or law enforcement)

Training requirements: Training academy as well as on-the-job training

Salary: $69,160 per year (the average annual salary depends on many things, such as the city in which you work)

As a police officer, your duty is to protect and serve communities. This is a job that you will definitely need training for, but you can start with no experience.

Police officers do a variety of important tasks. They go to both urgent and less urgent calls, drive around neighborhoods to watch them, stop vehicles for checks, and even carry out warrants, among other duties.

10. Graphic designer

Degree or education requirements: High school diploma or bachelor’s degree

Training requirements: On-the-job training

Salary: $57,990 per year

Graphic designers many times learn as they go while on the job.

Graphic designers create visual concepts for branding, advertising, and other projects. Graphic designers use digital illustration and editing software to create designs, such as logos, images, brochures, advertising, and more.

Recommended reading: How To Make Money As A Digital Designer

11. Web developer and web designer

Degree or education requirements: Bachelor’s degree

Training requirements: On-the-job training

Salary: $80,730 per year

Web developers design and create websites. This includes making sure the website loads fast and can handle a lot of visitors. They also take care of the technical parts to keep the website running smoothly.

12. Dental laboratory technician

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training

Salary: $41,180 per year

Dental lab technicians create dental prosthetics like crowns and dentures.

Dental laboratory technicians receive work orders from dentists and form material for dental prosthetics. They also may repair damaged prosthetics.

13. Bartender

Degree or education requirements: None

Training requirements: On-the-job training

Salary: $29,380 per year

Bartenders mix and serve drinks while providing excellent customer service. While, yes, you may have to work your way up through a restaurant before you can become a bartender, this is a job that you mostly learn through on-the-job training.

Bartenders have jobs in places like restaurants, hotels, and places where people eat and drink. When it’s really busy, they need to work fast and get drinks to customers as quickly as possible.

Depending on where you bartend, you can make a lot more money too. For example, bartenders in touristy areas may make $10,000+ each month.

14. Roofer

Degree or education requirements: None

Training requirements: On-the-job training

Salary: $47,920 per year

Roofers install and repair roofs on buildings, and this is a job that you learn as you do it. A roofer’s responsibilities may also include inspecting roofs, installing ventilation, cutting roofing materials, and more.

15. Plumber

Degree or education requirements: High school diploma or equivalent

Training requirements: Apprenticeship

Salary: $60,090 per year

Plumbers install and repair water and gas pipes in buildings. They also prepare estimates, read blueprints, follow building codes, inspect and test systems, and more.

16. Car salesperson

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training

Salary: $72,782 per year

Car salespeople help customers find the perfect car while earning a commission. They talk with customers, follow up with leads, go on test drives, and handle paperwork.

This is a job that you can start with no experience. In fact, my husband was randomly offered a job as a car salesman and took the job. He saw lots of success with it!

17. Sell printables

Degree or education requirements: None

Training requirements: There is a free workshop: Earn Money Selling Printables

Salary: There is no average salary, but you may be able to make a couple hundred to several thousand a month.

Selling printables online can be a great way to make money without needing any prior experience.

Creating printables can also be quite passive because you just need to create one digital file per product, which you can then sell an unlimited number of times. Because you only need a laptop or computer and an internet connection, it can be quite affordable to start.

Printables are digital products that customers can download and print at home. Some examples are bridal shower games, grocery shopping checklists, budget planners, invitations, printable quotes for wall art, and patterns.

Recommended reading: How I Make Money Selling Printables On Etsy

Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.

18. Commercial truck driver

Degree or education requirements: High school diploma, professional truck driving school training, and commercial driver’s license

Training requirements: On-the-job training

Salary: $49,920 per year

A commercial truck driver transports goods across the country. Tractor-trailer drivers usually do long-distance driving. They handle trucks that weigh more than 26,000 pounds when you count the vehicle, passengers, and cargo. These drivers transport goods on routes that can stretch across multiple states.

19. Tree trimmer

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training

Salary: $47,080 per year

Tree trimmers prune and cut trees, maintaining their appearance and safety. This is a job that you will learn by watching others and through on-the-job training.

20. Real estate agent

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training, as well as pass real estate courses and a licensing exam.

Salary: $52,030 per year

Real estate agents assist clients with buying, selling, and renting properties. Their tasks may also include advising on market conditions, making a list of properties for sale or rent for their clients, hosting open houses, presenting purchase offers, managing negotiations between a buyer and seller, and more.

This role may require you to pass a licensing exam, but it doesn’t necessarily need prior experience. With an average salary range starting at a decent scale, real estate brokerage is one of the high-income jobs available with little-to-no initial experience.

21. Sales representative

Degree or education requirements: None

Training requirements: On-the-job training

Salary: Depends on what you’re selling. Could be anywhere from $30,000 to $100,000+ per year

Sales representatives sell products or services to clients, and you usually learn through on-the-job training after you are hired.

Successful salespeople come from various backgrounds and often start their careers with no relevant experience. What matters most is your ability to communicate, negotiate, and build relationships. The high earning potential makes it an appealing career choice for many.

22. Travel agent

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training

Salary: $46,400 per year

As a travel agent, you help plan vacations for clients. Travel agents help people choose where to go, plan out the details of the trip, and take care of all the travel bookings for their clients.

Travel agents figure out what customers want and book a trip that matches their preferences and budget. They may plan honeymoons, day trips, family vacations, cruises, find flights, and more.

23. Masonry worker

Degree or education requirements: High school diploma or equivalent

Training requirements: Learn masonry either through an apprenticeship or on the job, working with experienced masons

Salary: $49,490 per year median pay

Masonry workers build structures with bricks, stones, and concrete, and they typically learn the job through an apprenticeship with no prior work experience needed.

24. Tutor

Degree or education requirements: Depends on the topic you are tutoring on

Training requirements: On-the-job training

Salary: $36,680 per year if done as a full-time job

With tutoring jobs, you can start if you don’t have any prior experience. You will need to be knowledgeable on the topic, though, and many people on your job search may even want to see a bachelor’s degree.

There are many different kinds of tutoring jobs, from tutoring students with their homework to helping a college student pass a major exam. Tutors might spend 30 minutes teaching a lesson, a few minutes answering questions online, or work one-on-one with a student in a video lesson.

Recommended reading: 11 Best Places To Find Online Tutoring Jobs (Make $100+ an hour)

25. Bake dog treats

Degree or education requirements: None

Training requirements: On-the-job training

Salary: Depends on if it’s part time or full time

Dog treat bakers make dog treats, cupcakes, cookies, cakes, and more.

With a dog treat bakery business, you may be able to earn an extra $500 to $1,000 a month or more on the side. Or, you can turn it into a full-time business and make much more.

Recommended reading: How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!)

26. Hazmat removal worker

Degree or education requirements: High school diploma or equivalent

Training requirements: On-the-job training

Salary: $46,690 per year

Hazmat removal workers clean up hazardous materials like asbestos, mold, and lead.

Training for hazmat removal workers usually involves two parts: learning in a classroom and working in the field. In the classroom, they learn about safety rules and how to use protective gear. When they’re on a job site, they get hands-on experience with tools and materials, and they’re guided by someone who has a lot of experience.

Frequently Asked Questions About High Paying Jobs With No Experience

Below are answers to common questions about how to find high-paying jobs with no experience.

What entry-level jobs pay the most?

Some of the highest-paying entry-level jobs include positions such as web developer, car salesperson, and bookkeeper.

How can I find a job that pays well without prior experience?

To find a good-paying job without any prior experience, you may want to focus on skills that can be used in different jobs and highlight your personal strengths, like communication, problem-solving, or adaptability. Use job search websites that are designed for beginners, and look for job listings that mention “no previous experience needed.”

Are there any fun, well-paying entry-level positions?

Yes, definitely! Many on the list above can be considered fun. My most favorite is becoming a blogger.

What careers offer high pay with short training periods?

Some careers that have high pay with short training periods include bookkeeper, insurance claims adjuster, bartender, car salesperson, and more. These roles may require specialized training or certifications.

How can I make a good income without a degree?

There are many jobs that pay well without requiring a college degree, such as being a construction worker, freelancer, and real estate agent.

How can I make $20 an hour without a degree?

Jobs that pay around $20 an hour without requiring a degree include proofreading, bookkeeping, plumbing, and more. Many on the list above do not require a college degree.

What jobs pay $80,000 with no experience?

Though a little more difficult to find, some jobs that may pay $80,000 or more with no prior experience include positions in sales and real estate.

How to make $150,000 a year without a degree?

Earning $150,000 a year without a degree can be challenging but is achievable in certain fields, such as running your own business, working as a real estate agent, and in sales.

What should I include in my CV when I have no experience?

Even without prior job experience, you can still make a good resume. You should put in any skills you have that are relevant to the job you are applying for, like things you learned in classes or volunteering. Also, remember that skills you use in everyday life, like solving problems, working on a team, or talking with others are important too.

Should I consider additional form of education for these jobs?

Getting more education can be helpful, but it’s not always a must. For some jobs, taking classes, getting certifications, or attending workshops can make you stand out.

How To Find High Paying Jobs With No Experience – Summary

I hope you enjoyed this article on how to find high-paying jobs with no experience.

Some high-paying jobs with no experience may surprise you, while others may seem more attainable. But one thing they all have in common is that they value different skill sets and backgrounds. So don’t worry if your resume is lacking in years of experience or a specialized degree, because these opportunities are out there waiting for someone like you to apply for them.

I hope you are able to find a high paying job that requires no previous experience that works best for you.

What high paying jobs with no experience would you add to the list above?

*Salary and data for the jobs is from the U.S. Bureau of Labor Statistics (BLS).

Source: makingsenseofcents.com

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Wow even the most hard-to-buy-for with these best-in-show finds for the home.

From space-savers to suit your culinary aficionado and gadgets even your handy father-in-law hasn’t heard of, these rental-friendly home gifts are sure to please even the most particular renters.

Take a look through our home gifts, where we have curated the best items to organize, decorate and add interest to their apartment. You might just find something here for yourself, while you’re at it.

No outlet, no problem – this modern and sleek cordless lamp looks luxe but exudes utility.

4.8 out of 5 stars – 43 ratings

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Light up your space with this sleek cordless lamp that’s not just stylish but also super practical. It’s the modern solution for a well-lit and wire-free atmosphere.

4.5 out of 5 stars – 370 ratings

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Forget the usual throw pillows – knot your way to cozy perfection with this unique gem. It’s not just a pillow; it’s a conversation starter that adds a touch of flair to your chill-out zone.

Storage ottoman that doubles as darling decor – done and done.

4.8 out of 5 stars – 130 ratings

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Meet the superhero of storage! This ottoman not only stashes your stuff but also doubles as decor. Decluttering has never looked this good – it’s the ultimate multitasker for a stylish living space.

4.5 out of 5 stars – 275 ratings

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Keep it classic and cozy with this timeless black & white throw. It’s the no-fail accessory for a comfy movie night or a stylish nap – because you can’t go wrong with a classic.

4.8 out of 5 stars – 2,166 ratings

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Add a touch of whimsy to your jewelry game with this white elephant holder. It’s not just a jewelry holder; it’s literally the perfect white elephant gift.

4.7 out of 5 stars – 1,625 ratings

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Sleek, smart and bedside-friendly – this docking station is a game-changer for your devices. Say goodbye to messy cords and hello to a stylish charging solution for the modern age.

4.5 out of 5 stars – 94,007 ratings

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Make meal prep a breeze with this 9-in-1 Veggie Chopper; it’s your secret weapon for slicing, dicing and conquering the kitchen with ease.

A counter-saving Cord Organizer to curb your cord conundrums.

4.4 out of 5 stars – 2,711 ratings

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Tame the cord chaos with this counter-saving cord organizer and keep your electronics in check without sacrificing style.

A bookend vase filled with“Tulips” for your black-thumbed but well-read friend.

4.6 out of 5 stars

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Combine literature and blooms with this bookend vase. Add a faux floral touch to bring your bookshelf to life – the perfect gift for your well-read, black-thumbed friend.

Whimsical (yet removable) wall decals.

4.6 out of 5 stars – 151 ratings

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Personalize your space without commitment with these whimsical, removable wall decals. Show your personality without risking your deposit!

16 tools, one handy gift.

4.6 out of 5 stars – 374 ratings

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Be the everyday hero with this 16-in-1 Multi-Tool, or should we say, toolbox, that fits in your pocket, ready to tackle whatever life throws your way.

Don’t forget the Command Strips.

4.7 out of 5 stars – 134 ratings

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Rebel against boring walls with this tin skeleton artwork. It’s lightweight enough for Command Strips but heavy-metal enough for even your most rebellious friend to rock.

Under Bed Storage to make the most out of that unused space.

4.8 out of 5 stars – 236 ratings

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Maximize your space with this under-bed storage solution, the ultimate secret weapon for making the most out of that underutilized space beneath the bed.

Enjoy the essence of a candle without the flame with this Black Cherry Diffuser.

4.4 out of 5 stars – 3,158 ratings

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What a scent-sational addition to your space! Create a cozy ambiance without the need for an open flame with this luxurious home gift featuring a unisex fragrance.

An apartment-friendly bar cart for your cocktail connoisseur.

4.7 out of 5 stars – 282 ratings

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Shake up your home entertaining with this apartment-friendly bar cart. Stylishly display all of those mixes, glasses and liquors to make mixing up the perfect cocktail in tight spaces a breeze.

Wall-safe decor or throw organizer? This ladder rack is both!

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Hang in there with this ladder rack that’s both wall-safe decor and a functional throw organizer. Say goodbye to crumpled piles of throws, and hello to style.

All the hot sauce, pantry space not required.

4.5 out of 5 stars – 6,125 ratings

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Turn up the heat without cluttering your pantry with this Hot Sauce Sampler. Do we see a fiery taste testing in your future?

Or for the adventurous type, try this DIY hot sauce kit.

4.6 out of 5 stars – 2,258 ratings

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Did you say more hot sauce? This DIY Hot Sauce Kit is an adventure waiting to happen – the perfect home gift for the bold and adventurous in your life.

Super absorbent, washable doormat for our fellow pet-loving clean freaks.

4.7 out of 5 stars – 215 ratings

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Keep it clean and cute with this super absorbent, washable doormat. It doubles as a dirt catcher – so pets get most of that outside muck off their feet before they prance through the apartment – and as a warning to incoming guests that they’re about to be loved on by something furry and sweet.

Space-saving smart lamp so your vibey friend can properly set the mood.

4.6 out of 5 stars – 3,453 ratings

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Light up your vibes with this space-saving smart lamp. It’s not just a lamp; it’s your ticket to setting the perfect mood without sacrificing precious space.

4.8 out of 5 stars – 15 ratings

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Cheeky friends will love this cheeky toilet topper. It’s a giggle-inducing and stylish way to bring a little fun to the smallest room in your home.

Whatever gift you give, have a (pillow) ball while giving it.

4.4 out of 5 stars – 41 ratings

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What we mean is to have a ball of fun with this playful Pillow Ball. Late-night pillow basketball, anyone?

The best home gifts for the holidays

While you most likely can’t afford to buy your friend or family member a new home for the holidays, you can find something in our list of home gifts above to make their space feel as cozy as possible. Even better: Our list above is all Amazon finds, so you can grab them at the last minute, too.

Kate Terhune is the Director of Brand at Rent. and leads the consumer brand, creative and event management functions for the organization. She has enjoys abstract painting and hanging with her family in her free time.

Source: rent.com

Apache is functioning normally

In the realm of home sanctuaries, few spaces hold as much significance as the bathroom. It’s where we begin and end our days, a place of solace and rejuvenation. Elevating this essential space goes beyond mere functionality; it’s about curating an environment that blends practicality with indulgence. Enter essential bathroom accessories, the unsung heroes that transform a basic restroom into a haven of comfort and style. From plush underfoot luxury to innovative lighting solutions, each element is pivotal in enhancing your daily ritual. Whether you’re renting an apartment in Tyler, TX, or own a house in Charleston, SC, this Redfin article will explore must-have bathroom essentials and discover how they can turn your bathroom into a retreat you’ll never want to leave.

1. Luxury underfoot

A luxury underfoot provides a soft and comfortable surface that enhances your overall bathroom experience, making stepping out of the shower or bath a pleasure rather than a chore.

“Add some simple luxury underfoot with an extra large bath mat or bath runner that expands across a double vanity,” recommends Oh Happy Home. “No more sharing tiny bath mats or jumping from one bath mat to another.”

2. Toilet paper dispenser 

A toilet paper dispenser provides hygiene and convenience by neatly organizing and dispensing one of the most essential elements of the bathroom, while minimizing waste, and providing seamless access.

“My favorite bathroom accessory is a toilet paper dispenser that is fully covered. It has to be covered from bacteria and steam from the shower,” shares  Leticia’s First Class Cleaning Inc.

Photo courtesy of Barumi Electric Bidet

3. Electric bidet

With features like adjustable water temperature and pressure, electric bidets have become increasingly popular and can provide a customized and comfortable experience in your bathroom. 

Barumi Electric Bidet Team states, “Electric bidet toilet seats are the ultimate bathroom upgrade you never knew you needed. With customizable water temperature, pressure, and even a heated seat, it’s like a spa day for your bathroom routine.”

4. Motion sensor-activated light switch 

A motion sensor-activated light automatically turns on the lights when it detects motion and then turns them off when the room is vacant, helping to conserve electricity and reduce energy costs.

“There is nothing more frustrating than fumbling around in the dark for the bathroom light switch in the middle of the night,” says The Honest Maid. “Put these motion-activated light switches in your bathrooms, and as soon as you open the door, there will be light.” 

5. Steam showers

Steam showers are a luxurious and rejuvenating addition to any bathroom. They offer a spa-like experience by generating warm, soothing steam that can help relax muscles, improve circulation, and promote a sense of calm and well-being. 

“Our favorite bathroom accessory right now is a steam shower. When most people take on a bathroom project, they want to replicate some version of a spa experience. Steam shower systems are controlled either from a built-in shower touch screen or an app on a phone, and settings like temperature and time can be changed and saved for each person. Media can even be incorporated so an Owner can watch the big game, listen to a podcast, or hear their favorite playlist while relaxing in their shower,” remarks Sneller Custom Homes.

6. LED mirrors with demisters

LED mirrors with demisters are a practical and stylish addition to any bathroom. The integrated demisting feature prevents the mirror from fogging after a hot shower, while the energy-efficient LED lighting provides bright lights while you get ready.

Inyouths shares, “My favorite bathroom accessory is a custom LED mirror with a demister. It’s a truly exceptional addition to any bathroom for several reasons. We believe that this LED mirror enhances both form and function in the bathroom. Its subtle backlight adds a touch of elegance, making daily rituals more comfortable and enjoyable. The mirror’s waterproof and anti-fog features ensure a clear reflection even in the steamiest showers, making it a must-have for both practicality and style.”

7. Drill-powered scrub brushes

Power up your cleaning routine by attaching scrub brushes to a power drill to provide a high-powered, rotating scrubbing action that effortlessly tackles tough stains, grime, and soap scum on surfaces like tiles, grout, and bathroom fixtures. 

“Drill-powered scrub brushes are essential to maintaining a clean and healthy bathroom,” notes Drillbrush. “These brushes can be inserted into any cordless drill and be used to scrub messes out of bathtubs, shower grout, and sinks more efficiently than scrubbing by hand.” 

8. Loofah soap bar

Loofah soap bars are a versatile and practical addition to any bathroom routine. Combining the exfoliating benefits of natural loofah with cleansing soap, they provide a convenient way to gently scrub away dead skin cells, leaving your skin smoother and rejuvenated. 

Soapy Mania remarks, “We recommend a loofah soap har as a ‘must’ bath accessory because it is an all-in-one cleansing tool – as the soap lathers against your body, the natural loofah fibers work their magic, removing dead skin cells and leaving your skin soft, smooth, and rejuvenated.”

9. Handpainted items 

“A hand-painted bathroom accessory is one of my favorite ways to personalize a bathroom. Decorated wastebaskets, soap dispensers and ceramic towel bars add a custom touch on a budget,” says Decorated Bathroom.

10. Mesh body exfoliator 

A mesh body exfoliator is a must-have bathroom accessory for effective and invigorating skin care. Its textured, mesh-like surface gently removes dead skin cells and unclogs pores, leaving your skin refreshed, smooth, and ready to absorb moisturizers more effectively. 

“My favorite bathroom accessory is a Mesh Body Exfoliator that has been used in West Africa for bathing for generations. Anyone who likes to be CLEAN and SMOOTH needs it in their life.  Your loofah could never,” raves Caroline-Founder/Smooth Operating Officer of Luv Scrub.

11. Stash box for wipes

A stash box for wipes is a discreet storage solution for keeping wipes readily accessible in the bathroom. Designed to blend seamlessly with your bathroom decor, it ensures that wipes are neatly organized and protected from moisture, preserving their freshness.

“Our favorite bathroom accessory is a stash box for wipes,” states Dude Products. “This keeps your wipes stored right where you need them while out of sight, perfect for storing wet wipes, feminine products, or other bathroom essentials.”

12. Shampoo bar and cedar tray

A Shampoo bar and cedar tray are essential for an eco-friendly and organized bathroom, providing a sustainable alternative to traditional liquid shampoo while adding a touch of natural elegance.

Zero Waste Mvmt shares, “My absolute favorite bathroom duo is our Shampoo bar paired with a cedar tray. The bar offers a sustainable, clutter-free hair care solution, making it a favorite for its eco-friendly benefits. Anyone seeking a functional yet elegant bathroom aesthetic would find this pairing essential. It not only beautifies the shower space but also champions a greener lifestyle. It’s a must-have for those who value sustainability without compromising on style, ensuring a bathroom that shines both in appearance and purpose.”

Source: redfin.com