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There’s more to Nevada than Sin City. This western state is known for its mesmerizing desert landscapes, neon-tinged cities and lively entertainment and nightlife industries. The state offers plenty of great places to live and call home.

In equal measure, Nevada beckons to nature lovers and city-dwellers alike. Except for a handful of small towns and cities primarily centered around major interstates and highways, central Nevada is all nature. National parks like Death Valley and Great Basin offer a range of landscapes to discover and explore, from stark deserts to Colorado-esque mountain valleys. But cities like the legendary Las Vegas are hubs for endless entertainment, art, culture, dining and industry. Suffice it to say that Nevada has a bit of everything.

But, is it right for you? For the most part, Nevada offers residents a fairly affordable cost of living, Most areas of spending, like housing or groceries, are near or slightly above the national average. Some are even below the national average. Even though Nevada is known for its excess spending thanks to its many casinos, living here is achievable for the average budget. You could even bet on it. But you probably shouldn’t. This is what you can expect to pay for the cost of living expenses in Nevada like housing and groceries.

Nevada housing prices

Nevada’s housing costs are higher than the national average. Living in one of Nevada’s bigger metro areas like Las Vegas does come with higher prices. But with those higher rates, you also get access to city perks like fine dining, shows, entertainment and world-class shopping.

Here’s what the average rent looks like in two of Nevada’s biggest and most popular cities.

Las Vegas

This city needs almost no introduction. With a population of around 646,790, Vegas is a popular hub for entertainment, gambling, nightlife and glitz. But behind all the glamor and shine of The Strip is a real city full of unique neighborhoods, art, culture, multicultural cuisine and history. For being such a well-known vacation spot, housing prices here aren’t as inflated as they could be. The overall cost of housing is just 9.8 percent higher than the national average.

Renting a one-bedroom apartment around town will set you back $1,375 per month. This is down 3 percent from last year. But two-bedroom units are up 14 percent to $1,623 per month. Some neighborhoods will be more expensive than others. Luckily, there are tons of cheap but fun neighborhoods to choose from around Las Vegas.

If you want to buy a home in Nevada, Las Vegas is the more affordable option. Its median sale price for a house is $439,950, significantly less than in Reno. The housing market has been a big jump since last year, though, climbing 27.5 percent.

Reno

Known as the Littlest Big City in the World, Reno is a lively community of nearly 251,000 residents in northwest Nevada. It sits right alongside the California border. The overall cost of living here is reasonable, sitting only 4.9 percent higher than the national average. Housing prices here are the highest of our highlighted Nevada cities, sitting 18.7 percent above the national average.

Rents here are on the rise for all unit sizes. One-bedroom apartments cost an average of $1,547, which is up 5 percent from last year. A two-bedroom apartment averages $1,844 per month, also up 5 percent from 2021. These aren’t big increases, but they do point to an overall upwards trend.

However, Reno’s housing market is growing at a much faster pace. The median sale price for a house here is $580,000, which is up 18.5 percent from the previous year.

Food prices

Another cost of living in Nevada is dining and groceries. Residents spend between $2,801 and $3,200 per person in food costs each year. That comes out to between $233 and $266 per month. This puts Nevada’s food costs 10.8 percent above the national average. But those numbers are still on-par with more expensive states like California and New York. So, even though food costs here do exceed the national average, it’s still affordable to eat well here.

Thanks to all those bargain all-you-can-eat buffets, Vegas is the least expensive city in terms of food costs.

  • Reno is 4.8 percent above the national average
  • Las Vegas is 1.2 percent above the national average

However, just because Las Vegas has lower overall grocery costs, some food items here are still higher than in Reno. Picking up some steak will cost you $15.49 in Las Vegas but $13.68 in Reno. A half-gallon of milk is $3.07 in Reno compared to $2.34 in Vegas. Getting a dozen eggs will cost you $2.07 in Vegas but $1.81 in Reno.

With so many restaurants and buffets, both Reno and Vegas are great cities for dining out. While pricey, you’ll be paying about the same for a nice date night meal in both cities. Sitting down with your partner for a three-course meal at a nice restaurant will set you back $65 in Reno. The same kind of meal and outing in Vegas is slightly more affordable at $63.50.

Utility prices

Monthly utilities are another key consideration when deciding what state to live in. Every month, you’ll need to pay for essentials like electricity, water and internet. Utilities are one of the few costs of living areas in Nevada that are less than the national average. Looking at the cost of utilities around the state, you’ll be paying for your utilities in Reno than in Vegas.

  • Reno is 14.8 percent below the national average
  • Vegas is 2.4 percent below the national average

That being said, the cost of individual utilities doesn’t always reflect this. Reno residents pay around $134.45 for their total energy costs each month. Vegas residents pay far more at $173.88.

The average water bill in Nevada is $25. Nevada gets most of its water from the mighty Colorado River. However, most of the state is now in a severe drought, so most residents need to practice water-saving methods. Using less water in order to conserve water, it keeps the water bill down each month.

Transportation prices

In some ways, having a car is essential in Nevada. Its biggest metro areas are at opposite ends of the state from each other. Many Nevada residents also enjoy outdoorsy pursuits like hiking or climbing. This makes having a car a necessity. But if you mainly plan on staying around town, you can take advantage of public transit to save money.

According to the Nevada Department of Transportation, most communities around Nevada have access to some form of public transportation. Even many rural towns have transit options provided by local authorities. But while taking the car will save you money on gas and other car expenses, transportation costs around Nevada are higher than the national average. Here’s how these two Nevada cities stack up to the national average in terms of mass transit costs:

  • Reno is 17.9 percent above the national average
  • Las Vegas is 10.9 percent above the national average

As you can see, Reno is the more expensive option. Let’s take an in-depth look at public transportation options in both Reno and Vegas.

RTC in Reno

RTC Ride provides public transportation to the residents of Reno and Sparks in Washoe County. Their fleet of 70 buses operating 26 fixed routes has nearly 1,200 bus stops with their service area.

A single adult fare costs $2.00, but a full day pass only costs a dollar extra. A pre-purchased 31-day pass will set you back $65. Reduced fares are available for qualified residents like senior citizens, veterans and students at local colleges.

However, the majority of Reno residents still consider it necessary to have a car and easily get around. Even though RTC provides transit through the Reno metro area, it has a low transit score of 34. Similarly, the city’s walk and bike scores are only 52 and 59, respectively. While there are areas of Reno that are easy to navigate by foot, the overall city isn’t. So, whether you need to get across town or want to head to nearby Lake Tahoe, it’s a good idea to have a car in Reno.

RTC Southern Nevada in Las Vegas

Las Vegas and the greater Las Vegas Valley get their public transportation from RTC Southern Nevada. Its fleet of buses operates 38 fixed routes, servicing nearly 4,000 stops. Since Vegas is such a popular vacation spot, RTC offers both visitor and residential routes and fares. Take The Deuce, for example. So-called because the original buses servicing this route were double-deckers, this services the Las Vegas Strip and downtown. But, let’s focus on residential fares.

Bus tickets on residential routes cost $2 for a single ride, $3 for two hours and $5 for a full day. Students, veterans and other eligible citizens can get reduced fares for their rides.

If you plan on spending lots of time on the Strip, you can also use the Las Vegas Monorail. This 3.9-mile long monorail runs adjacent to the Strip, connecting many major casinos. It’s a great option for beating traffic. A 30-day unlimited pass costs $65. One ride costs $5. However, this option is primarily aimed at tourists.

Many Vegas residents still need a car to easily get around, though. Vegas’ transit score is a low 36. Apart from the Strip and downtown, Las Vegas is also not a very walkable city. Its walk score is 41 and its bike score is 46. You can get around neighborhoods or the Strip on foot or by bike, but the entire city is not accessible.

Healthcare prices

Due to its nature, it’s difficult to calculate healthcare averages. The cost of healthcare varies widely from person to person based on a variety of factors. These include the cost of prescription drugs, insurance premiums and out-of-pocket costs for doctor visits. Whether a person has a pre-existing condition or not can also affect their healthcare costs. It’s important to keep that in mind when looking at the average cost of healthcare in a given city. Just because one city is above or below the national average doesn’t mean the costs are exactly the same for each person.

Healthcare costs in Nevada vary widely by area. Some parts of the state are above the national average. Others rank below. Although it varies person-to-person, you’ll likely pay a bit more than the national average for healthcare in Reno.

  • Reno is 6.6 percent above the national average
  • Las Vegas is 3.9 percent below the national average

Unfortunately, Nevada doesn’t rank very well nationally in terms of healthcare. It’s considered one of the worst states when it comes to quality of healthcare. Going to the doctor’s office in Reno costs roughly $127.50 compared to $108.67 in Vegas. An over-the-counter bottle of Ibuprofen costs $15.04 in Reno. In Vegas, that same bottle would only cost you $10.83.

It’s important to plan doctor’s visits at least once a year. So, if the cost and quality of healthcare in Nevada don’t fit your needs, it’s not the best place for you.

Goods and services prices

Every month, it’s also important to budget for miscellaneous goods and services. These include basic things like going to get a haircut or seeing a movie. Some miscellaneous goods and services are essential, like getting new clothes or buying a toothbrush. Others are part of maintaining your personal lifestyle and doing things you enjoy. That can range from taking a yoga class to hanging out at a bar with friends and having a beer. With cities like Reno and Vegas that have active nightlife and entertainment scenes, budgeting for fun, out-on-the-town activities are essential.

Overall, the cost of goods and services in Nevada falls below the national average:

  • Reno is 6.3 percent below the national average
  • Las Vegas is 8.3 percent below the national average

However, just because one city has lower overall rates doesn’t mean everything will be cheaper. Getting a haircut in Vegas costs $24. But in Reno, you’ll only pay around $15.80 for that new ‘do. Going out to the movies will take $10.38 out of your pocket in Reno but $12.94 in Vegas.

Often, a big part of monthly goods and services spending goes toward childcare. For your child to attend a month of preschool or kindergarten at a private institution costs $835 in Vegas. The same kind of childcare in Reno is still costly, but slightly less so at $740. So, if you have a family and are looking for affordable childcare, Reno is the more budget-friendly option.

Taxes in Nevada

Nevada’s statewide sales tax is 6.85 percent. For every $1,000 you spend in Nevada, $68.50 will be going straight to taxes. But it’s also important to remember that individual cities and counties may also levy their own additional sales tax on top of the state rate. Both Reno and Nevada tack on additional sales tax. This is a great way for these touristy cities to bring in revenue, but it’s not so great for your wallet.

  • Reno has a combined tax rate of 8.27 percent
  • Las Vegas has a combined tax rate of 8.375 percent

As you can see, the combined sales tax in Reno and Vegas significantly hikes up the statewide rate. It’s not surprising that Vegas has the highest sales tax. $83.75 dollars goes to tax for every $1,000 you spend on those fabulous Vegas experiences. That adds up towards your cost of living in Nevada.

How much do I need to earn to live in Nevada?

Because it’s generally the biggest expense, housing is the cornerstone of most monthly budgets. Experts recommend that you only spend 30 percent of your gross monthly income on housing. That way, you have 70 percent left over for other essentials like utilities, as well as fun expenditures and savings.

Since the average rent in Nevada is $1,663 for a one-bedroom apartment, you’d need to make around $5,543 a month to fit into the 30 percent rule. That comes out to $66,516 per year. Since the median household income in Nevada is only $62,043, housing should fall comfortably within most people’s budgets.

If you need to crunch some numbers for the cost of living in Nevada to see what you can afford to pay in rent, use our handy rent calculator.

Living in Nevada

While some cost of living areas are more expensive than others, for the most part, Nevada is an affordable place to call home. With housing costs on the rise, you can likely find more affordable housing in towns and communities around or near major metro areas. That way, you can stay within budget but still live close to everything that Vegas and Reno have to offer. For both urbanites and nature lovers, Nevada offers a great mix of things to do and its cost of living can fit a variety of budgets and lifestyles.

Related articles

The Cost of Living Index comes from COLI.ORG.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of June 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

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Known for his distinctive and avant-garde architectural designs, Harry Gesner often pushed the boundaries of traditional norms, incorporating unique shapes, materials, and spatial arrangements into his projects.

His work defied conventional architectural styles and embraced a more organic, free-flowing approach that was ahead of its time.

And design was not the only pioneering element of Gesner’s work.

Long before sustainable design became a mainstream concern, the California-born architect was incorporating environmentally friendly principles into his designs. He used natural materials, passive solar techniques, and energy-efficient features to minimize the environmental impact of his buildings.

His most famous project, the Wave House in Malibu, is one of the most recognizable homes on the California coastline. Designed to resemble the ocean’s waves, the cresting house (formerly owned by musician Rod Stewart) is said to have been the inspiration for the Sydney Opera House, and has recently landed on the market for an eye-watering $49.5 million.

Next to his most famous creation, we find the pioneering architect’s personal home, an equally striking architectural home that’s currently on the market for $22,500,000.

Harry Gesner’s Sandcastle House in Malibu. Photo credit: Mike Helfrich courtesy of Compass

Visionary architect Harry Gesner’s personal home: The Sandcastle House in Malibu

Known as the Sandcastle House due to the roofline’s unique design, inspired by sandcastles, Harry Gesner’s house in Malibu is a true architectural feat.

With 122 feet of beachfront land, this uniquely cylindrical 6-bedroom, 6-bathroom property comes with 3 additional small living units and so many unique features that it would “take a few pages to list them all”, Zen Gesner — the architect’s son and one of the listing agents for the property — admitted in an email. He did, however, add that “I’d be happy to share them all with whomever is curious to hear about them.”

Photo credit: Mike Helfrich courtesy of Compass
Photo credit: Mike Helfrich courtesy of Compass

The main home’s entry features a library sitting area with floor-to-ceiling bookshelves and panoramic ocean views, while the heart of the home features beams and a wood-plank ceiling wrapped by windows with large living and dining areas, and a Hollywood Bowl-inspired brick fireplace with a large concrete hearth that was designed as a stage. 

See also: The Sowden House, an architectural gem with a grim backstory and ties to the Black Dahlia case

“The Fireplace was built to resemble a Greek Theater Shell with the cantilevered concrete hearth as the stage, and the sunken living room in front of it becoming the theater house,” Zen Gesner shares.

The space was “Built for my mother, Nan Martin (his wife), who was a well-known Broadway actress“, to act as her stage, complete with a large, polished concrete hearth.

Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass
Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass
Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass
Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass

A solarium with stained glass panels flanks the dining area, and the kitchen wraps around a circular island featuring stained glass lunettes fitted into the overhead beams, a fireplace, new appliances, a breakfast bar, and a walk-in pantry. 

Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass
Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass

Two ensuite bedrooms are located on the main level, while the primary suite tower is located upstairs, boasting high ceilings with large beams, eyebrow windows, a brick fireplace, a sitting area with ocean views, and a spiral staircase that leads up to a loft space.

Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass
Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass
Inside the Sandcastle House in Malibu, Calif. Photo credit: Mike Helfrich courtesy of Compass

In addition to the main house, there’s also a “tree house” apartment with a kitchenette, living and dining room area, a bedroom and bathroom, and a wraparound deck with ocean views.

Also on the property, a “boat house” adds extra space that includes a full kitchen, an ocean-view living and dining room area with a full bathroom and a bedroom, while the third addition is a smaller, one-bedroom “nest” apartment that features an open-air living area, deck, teepee-covered daybed as well as stained glass above an indoor-outdoor cabana. 

Photo credit: Mike Helfrich courtesy of Compass
Photo credit: Mike Helfrich courtesy of Compass
Photo credit: Mike Helfrich courtesy of Compass

Built almost entirely out of salvaged materials, the Sandcastle House stands as testament to Harry Gesner’s commitment to sustainable construction.

When building his cherished family home, the architect used telephone poles, reclaimed bricks, wall panels made from aqueduct pipes, birdseye maple from a high school gym, old-growth redwood harvested in the 1800s, and windows and doors saved from one of Hollywood’s silent film theaters.

Related: The Chemosphere House and 6 other striking John Lautner-designed homes

As Gesner said about Sandcastle in Houses of the Sundown Sea: The Architectural Vision of Harry Gesner (the book about his life and work): “The spirit in the design and materials are what you immediately feel in this house. All people who enter and spend a brief period or long time here immediately feel at home and relaxed. The experience never becomes commonplace or boring because over everything is the sound and rhythm of the waves breaking on the shore in front of the house.”

Photo credit: Mike Helfrich courtesy of Compass

Now on the market for $22.5 million

The architectural marvel has remained in the Gesner family ever since it was built in the early 1970s.

Following Harry Gesner’s passing in 2022, the property landed on the market in May 2023 with a $27,500,000 asking price and a stellar team. The price has since dropped to $22,500,000.

Leading Malibu real estate agent Chris Cortazzo shares the listing with the architect’s own son, Zen Gesner. The two Compass agents are also part of the team repping Gesner’s neighboring masterpiece, the $49.5 million Wave House.

“Malibu CA has a tendency to defy market trends because it’s one of the greatest places to live in the world. People who visit tend to fall in love with the beautiful beach community, incredible scenery, and the lifestyle,” Zen Gesner tells us, adding that “There is nowhere else like it.”

Adding to the appeal: living in a house that’s worthy of a James Bond villain and owning a piece of architectural history.

Are you reading this article on your mobile device? Watch our web story on Harry Gesner’s house (in a more mobile-friendly format).

More Malibu houses

You’re invited: step inside a jaw-dropping $95 million house in Malibu

‘Indiana Jones’ producers Kathleen Kennedy and Frank Marshall list $18.5M Malibu estate with views for days

See Lady Gaga’s house in Malibu, which she calls her ‘Gypsy Palace’

Source: fancypantshomes.com

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Want to learn how to get free Apple gift cards? Here are 13 ways.

Want to learn how to get free Apple gift cards?

Who wouldn’t want to receive Apple gift cards for free? After all, you can use an Apple gift card for buying a laptop, iPhone, iPad, Apple Watch, iCloud, and more. In this article, I’ll share several methods to help you earn Apple gift cards all from home.

Many websites allow you to earn free Apple gift cards by completing simple tasks, scanning your grocery receipt, or participating in market research. These platforms don’t only provide Apple gift cards; some also offer other free gift cards like Visa or Amazon.

Now, before you think this isn’t possible. I have personally earned over 100 free gift cards over the years and it’s always nice to use a free gift card to pay for something that I want.

Related content:

How to Earn Free Apple Gift Cards

Today, I will be talking about the different ways you can earn free Apple gift cards. By spending your time on these sites and apps, you can earn rewards and points that can be traded for gift cards.

Here’s a quick list before we begin:

1. Swagbucks

Swagbucks is a popular rewards platform where you can earn points (called Swagbucks or SBs) by completing tasks like taking surveys, watching videos, or playing games. The earned points can be redeemed for various gift cards, including Apple Store gift cards (and even Google Play gift cards).

I have been using Swagbucks for years, and I have earned over 105 gift cards for free so far. It is easy to earn points and the site is very easy to use.

How Swagbucks works:

  1. Click here to sign up for free for Swagbucks (and receive a $10 bonus).
  2. Start collecting points by answering surveys, using their search engine, playing games, using coupons, and more.
  3. After you’ve collected enough points, you can redeem them for Apple gift cards. (as well as many other options).

2. Fetch Rewards

Fetch Rewards is an app that allows you to earn points by scanning receipts from grocery stores. The points earned can be redeemed for Apple gift cards and other rewards.

I use Fetch Rewards every single time I go to the grocery store. It takes less than a minute to use and earn points, so it’s a no-brainer. My routine involves visiting the grocery store and shopping as usual. No need to open the Fetch Rewards app beforehand. After shopping, I check out, and upon getting home, I open the app on my phone and take a photo of my receipt. Fetch Rewards swiftly scans and credits my account with points – a quick and easy process!

Here is how Fetch Rewards works:

  1. Purchase items in your usual manner, whether online or in physical stores.
  2. Capture an image of your receipt using your phone when you’ve finished shopping.
  3. Accumulate points through Fetch Rewards.

You can sign up for Fetch Rewards by clicking here.

3. Honey

Honey is a browser extension that automatically applies coupon codes when you shop online.

Honey is a little secret weapon for online shopping. Imagine shopping like you usually do, and right at checkout, Honey swoops in to find and apply the best coupon codes for you.

Later on, you can turn those points into free Apple gift cards. And guess what? It’s super simple – just two clicks! Oh, and the best part? It won’t cost you a dime – it’s totally free!

You can learn more about Honey here.

4. American Consumer Opinion

American Consumer Opinion is a market research company that rewards users for sharing their opinions through online surveys. Once your earnings reach a certain threshold, you can redeem them for gift cards or cash.

Signing up won’t cost you a thing, and you can earn $1 to $5 (the longer surveys pay more!). They’ve given out a whopping $35 million+ to survey takers, with 20 million surveys posted. And guess what? They’ve got a massive community of 7 million+ members!

Click here to sign up for American Consumer Opinion.

5. Survey Junkie

Survey Junkie is a dedicated survey platform where you can earn points by taking part in daily surveys. These points can be exchanged for Apple gift card codes or other rewards like PayPal money or prepaid Visa debit cards.

Answering three surveys daily on Survey Junkie will earn you around $40 a month.

Companies pay for opinions and online surveys because they are trying to figure out what they can do to improve their products and company. Sometimes, they even use feedback to create whole new products to fill a need. Paid online surveys are extremely helpful for a company, as you can see.

You can sign up for Survey Junkie by clicking here.

6. Branded Surveys

Branded Surveys is another survey platform where you can earn points by answering questions, which can later be redeemed for free gift cards. The surveys typically take 5-15 minutes to complete, and your feedback helps improve a company and/or their product.

They’re all about online surveys that pay you, ranging from $0.50 to $5.00 per survey. And here’s the kicker: joining up is absolutely free, just like I always suggest.

Now, here’s the cool part – Branded Surveys has showered their members with over $39 million in rewards. Impressive, right? And the cherry on top? They’ve got a treasure trove of 100+ free gift card options, such as free Apple gift cards.

You can sign up for Branded Surveys by clicking here.

7. Prize Rebel

Prize Rebel is a platform that offers a wide array of tasks to complete for rewards points. These tasks include surveys, watching videos, and even signing up for offers. Once you accumulate enough points, you can redeem them for Apple gift cards or other rewards.

What makes Prize Rebel shine? It’s a global party! Whether you’re in the U.S. or beyond, they’ve got room for you. No more location troubles! You can use Prize Rebel from almost any country in the world. However, surveys are not available to every country, but there are still other ways to earn points on this website such as by completing offer walls and referring new members.

And the cherry on top? They’ve shared over $29 million in cash and free gift card rewards since 2007. Time to snag those rewards, my friend!

You can sign up for Prize Rebel by clicking here.

8. User Interviews

Listen up, because User Interviews is a standout in this lineup! It’s not your usual online survey spot – it’s a market research game changer. They pay much higher than the average survey site.

User Interviews is a platform that connects researchers with participants to conduct studies. By participating in these studies (usually in the form of interviews), you can earn cash, which can be used to buy Apple gift cards or other items.

You can earn $50 to $100 per hour or even more by sharing your insights on User Interviews on a variety of topics. Average payout? A sweet $65. These discussions happen over the phone or via video calls, with interviewers asking the questions. And guess what? They kickstart 2,000+ studies monthly, and they’ve rewarded over 87,000 folks in just the past year.

Click here to sign up for User Interviews.

9. Upside

Upside is a cash back rewards platform specifically for gas purchases. By using the app to find and purchase gas, you can earn cash back that can be redeemed for gift cards, such as for free iTunes gift cards.

This nifty phone app puts cash in your pocket whenever you hit up specific gas stations listed in their app. Now, not every single gas station will show up in the app, so you do need to do a little more work to get points (such as by going to a different gas station than normal).

Here’s how it works: Open the app to find nearby gas stations. Now, the fun part: you could score up to $0.25 per gallon cash back on gas! And the rewards don’t stop there. You can turn those earnings into cold hard cash in your bank or score awesome free gift cards.

You can sign up for Upside here.

10. InboxDollars

InboxDollars is another well-known platform that pays users for completing surveys, watching videos, reading emails, and even shopping online. You can cash out your earnings in the form of Apple gift cards or other popular options.

Most of their surveys pay around $0.50 to $5.00 and take 3 to 25 minutes to answer. The longer the survey, generally the more money it pays.

By signing up for InboxDollars via this link, you can get a free $5 sign-up bonus.

11. Ibotta App

Ibotta is a cash back app that gives you money when you shop, such as at a grocery store. By using the app and uploading your receipts after you’re done shopping, you can earn cash back on your purchases, which can be redeemed for Apple gift cards. I use Ibotta all the time and it is a great app!

Here’s how Ibotta works:

  • Step one: Get the app.
  • Step two: Browse available offers at the store you are planning to shop at.
  • Step three: Scan your receipt after you’re done shopping.

Ibotta is similar to Fetch Rewards, but there is a little more work involved. To get points on Ibotta, you will have to go to the app before you go to the grocery store and select the deals that you plan on buying. But, you are usually able to earn more points on Ibotta. The great thing about the two is that you can use the same receipts on both apps – so you can earn as many points as possible.

12. MyPoints

MyPoints is another rewards platform similar to Swagbucks, where you can earn points for shopping, playing games, and taking surveys. The points can be redeemed for Apple gift cards, Walmart gift cards, and more.

MyPoints has been featured in The New York Times, ABC News, Yahoo, and more.

They have given out more than $236 million in gift cards and PayPal cash since 1996.

Sign up for MyPoints here.

13. Referral Programs

By participating in various referral programs, usually by referring friends to a specific site or product, you can earn rewards points or cash that can be exchanged for Apple gift cards.

If you’re a fan of a website, service, or product, it’s worth checking if they have a referral program. You might score some awesome rewards while spreading the love!

How to Redeem Apple Gift Card Codes

So, you’ve redeemed your points and received an Apple gift card code. What’s next?

Apple Gift Cards can be used at the Apple Store, the Apple Store app, Apple.com, the App Store, iTunes, Apple Music, Apple TV, and Apple Books. So, you have a lot of options as you can see!

If it’s a physical gift card that you were given, then you will need to find the 16-digit code on the back of your Apple gift card or iTunes gift card. If your code is via email, you will have to simply just grab the code from the email that you receive. This code is important for redeeming the value of your gift card. Then, you will go to the App Store or the Apple website to redeem your gift card.

Also, quick note: you don’t need to have a current Apple account to use a free gift card. You can use your free gift card in-person at an Apple store (such as one at a mall near you).

But, if you want to redeem your free Apple gift card code via the online App Store, you will simply use your Apple device, such as a Mac, iPad, or iPhone and follow these instructions:

How to redeem a free Apple e-gift card on a Mac:

  1. Open the App Store on your computer.
  2. Click your name or the sign-in button.
  3. Click Redeem Gift Card and follow the instructions.
  4. If you have trouble redeeming the card with the camera, you can also enter your gift card code manually.

How to redeem a free Apple e-gift card on an iPad or iPhone:

  1. Open the App Store on your device.
  2. Click on your profile picture.
  3. Scroll down to Redeem Gift Card or Code and follow the instructions.

After you successfully redeem your gift card, the balance will automatically be added to your Apple ID account. You can now use this credit to purchase Apple products like Macs, iPads, AirPods, and accessories. This area will also show you your Apple account balance so that you know how much you have left.

Frequently Asked Questions About Free Apple Gift Cards

Here are answers to common questions about how to get an Apple gift card for free.

How can I get a free Apple gift card?

You can get a free Apple gift card by signing up on the websites above. These websites will pay you to complete a variety of tasks like answering paid surveys, watching videos and movies, or shopping online through their site. In return, they give you points that can be redeemed for Apple gift cards.

How can I get a $15 iTunes gift card code for free?

To get a $15 iTunes gift card for free, you can participate in tasks or activities on the many different sites above. These websites above give you rewards for shopping online, answering surveys, scanning your grocery receipts, and more. By earning points, you can redeem free Apple card codes for the amount you want, such as $15. Most websites will have a minimum that you can redeem as well.

What are some ways to earn free Apple gift cards online?

Some ways to earn free Apple gift cards online include participating in surveys, watching videos, shopping, or using cashback websites. Sites like Swagbucks, MyPoints, InboxDollars, and Rakuten can help you get free gift cards by earning points which you can redeem for Apple gift cards later.

Are there any apps that help in getting free iTunes gift card codes?

Yes, several apps help you to get free iTunes gift card codes. Swagbucks and Fetch Rewards are examples of apps that reward you with points for completing all different kinds of tasks. You can redeem your points for free iTunes gift card codes.

Where can I find free Apple gift card codes without taking surveys?

Okay, I get it – there are a lot of survey companies on this list! Finding free Apple gift card codes without signing up for a survey site can be a bit challenging, as most websites offering gift cards usually require participation in surveys, focus groups, or product testing. However, you can try using an app like Fetch Rewards, which gives you points for scanning your grocery receipts.

Do giveaways or contests offer a chance to win Apple gift cards?

Yes, you can win free Apple gift cards by entering giveaways and contests. These types of giveaways can be found on social media or websites, and participation often involves simple things that you need to do like following an account, sharing posts, or leaving a comment. You can start by simply searching #giveaway on social media. There are also giveaway websites that you can search for on Google that lists giveaways from around the web.

Are there any websites with free iTunes gift card email delivery?

When you earn a free iTunes gift card through many of the websites above, they typically give you the gift card code via email. Once you have enough points to redeem a gift card, the website will send you the gift card code through email, which you can use to add credit to your Apple account. Using your e-gift cards is very easy and quick! I have done it over 100 times.

How To Get Free Apple Gift Cards – Summary

I hope you enjoyed this article on how to get Apple gift cards for free. As you can see, there are many great options! Many of the sites above will give you several different gift card options other than Apple as well, such as free Visa gift cards, Amazon gift cards, and more.

Here’s a list of the different ways you can earn free Apple gift card codes:

Have you ever earned free Apple gift cards? Did you know that this was possible?

Source: makingsenseofcents.com

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Join us on a journey through the small towns of Alaska, where wilderness meets community and adventures abound. From scenic landscapes to unique attractions, each town has its own story to tell. As we explore the charm of 12 small towns in Alaska, you’ll discover the heart and soul of Alaska’s small-town life.

1. Willow, AK

Median sale price: $332,500 

Walk Score: 5

Nestled against the backdrop of majestic mountains, Willow welcomes you with its tranquil beauty and outdoor adventures. This town is known for its connection to the world-famous Iditarod Trail Sled Dog Race, where you can experience the excitement of this iconic Alaskan event. Discover the nearby Nancy Lake State Recreation Area, offering opportunities for fishing, hiking, and camping. 

Homes for sale in Willow, AK

Apartments for rent in Willow, AK

2. Houston, AK

Median sale price: $215,500 

Walk Score: 1

Houston, a peaceful town surrounded by Alaskan wilderness, invites you to embrace its serene atmosphere and close-knit community. The town has many outdoor opportunities, offering access to hiking trails, fishing spots, and nature reserves. Houston hosts an annual Moose Pass Summer Solstice Festival, celebrating the state’s iconic wildlife. 

Homes for sale in Houston, AK

Apartments for rent in Houston, AK

3. Tok, AK

Median sale price: $100,000 

Walk Score: 23

At the crossroads of Alaska’s highways, you’ll find the small town of Tok. Tok is full of quirky attractions like the Mukluk Land theme park, where you can tour unique Alaskan oddities. Residents often endure extreme weather conditions, with temperatures plummeting to -40°F in winter, requiring careful preparation and resilience.

Homes for sale in Tok, AK

Apartments for rent in Tok, AK

4. Salamatof, AK

Median sale price: $397,500 

Walk Score: 6

Salamatof is a small hidden gem of Alaska. The town’s proximity to the Kenai River offers premier fishing opportunities, attracting anglers from around the world. Salamatof’s rich Native Alaskan heritage is celebrated at events like the Kenaitze Indian Tribe Powwow. With its picturesque landscapes and cultural connections, Salamatof provides a glimpse into Alaska’s extraordinary past.

Homes for sale in Salamatof, AK

Apartments for rent in Salamatof, AK

5. Farmers Loop, AK

Median sale price: $257,500 

Walk Score: 4

With numerous farms and gardens, Farmers Loop has opportunities for equestrian activities and trail riding. Navigate the Creamer’s Field Migratory Waterfowl Refuge, where you can observe migratory birds and enjoy peaceful walks. Or attend one of the many local events, fostering a sense of community and connection among residents. 

Homes for sale in Farmers Loop, AK

Apartments for rent in Farmers Loop, AK

6. Butte, AK

Median sale price: $1,195,000 

Walk Score: 18

In the Matanuska Valley, Butte is a blend of scenic beauty and agricultural heritage. Wander around the nearby Bodenburg Butte Trail, which leads to panoramic views of the surrounding landscape. Butte’s connection to farming is celebrated at local markets and festivals, showcasing the region’s bounty. 

Homes for sale in Butte, AK

Apartments for rent in Butte, AK

7. Seward, AK

Median sale price: $366,000 

Walk Score: 42

A coastal gem on the shores of Resurrection Bay is the small town of Seward. The town is close to Kenai Fjords National Park, where you can witness glaciers calving into the ocean and spot marine wildlife. Seward’s bustling waterfront boasts galleries, shops, and seafood eateries. Experience the excitement of the annual Seward Silver Salmon Derby or embark on a scenic boat tour to enjoy the bay’s hidden treasures. 

Homes for sale in Seward, AK

Apartments for rent in Seward, AK

8. Big Lake, AK

Median sale price: $228,000 

Walk Score: 24

Big Lake, a picturesque retreat surrounded by water and wilderness, welcomes you to experience its serene beauty and recreational opportunities. The community thrives on fishing, boating, and lakeside relaxation. Journey through the Matanuska-Susitna Valley’s vast landscapes with hiking, birdwatching, and wildlife spotting. 

Homes for sale in Big Lake, AK

Apartments for rent in Big Lake, AK

9. Fritz Creek, AK

Median sale price: $150,000 

Walk Score: 7

Located on the Kenai Peninsula, Fritz Creek invites you to savor its rural charm and artistic spirit. The town’s creative community is reflected in its art galleries, studios, and workshops. Head to the Homer Spit for the picturesque views, fishing charters, and local seafood offerings. 

Homes for sale in Fritz Creek, AK

Apartments for rent in Fritz Creek, AK

10. Anchor Point, AK

Median sale price: $247,500 

Walk Score: 24

Anchor Point is the westernmost point of the North American highway system. The stunning beachscape provides opportunities for beachcombing, fishing, and enjoying panoramic views of the ocean. Explore the Anchor River State Recreation Area, offering fishing and camping along the riverbanks. Anchor Point hosts events, celebrating its close-knit community and connection to the sea. 

Homes for sale in Anchor Point, AK

Apartments for rent in Anchor Point, AK

11. Lazy Mountain, AK

Median sale price: $787,100 

Walk Score: 3

In the Matanuska-Susitna Valley, you’ll find Lazy Mountain, known for its iconic mountain views. Embrace the peace and beauty of the natural surroundings, whether you’re exploring trails or admiring the Northern Lights. With its breathtaking landscapes and serene atmosphere, Lazy Mountain offers a true escape into Alaska’s wilderness.

Homes for sale in Lazy Mountain, AK

Apartments for rent in Lazy Mountain, AK

12. Healy, AK

Median sale price: $250,000 

Walk Score: 7

Healy is a gateway to Denali National Park, inviting you to experience its natural beauty and sense of adventure. This small town is close to North America’s tallest peak, Denali, offering opportunities for hiking, wildlife spotting, and exploring the park’s wilderness. Whether you’re marveling at the grandeur of Denali or partaking in outdoor activities, Healy captures the essence of Alaska’s rugged spirit.

Homes for sale in Healy, AK

Apartments for rent in Healy, AK

Wrapping up small towns in Alaska

The small towns of Alaska encapsulate the essence of a unique and rewarding lifestyle. Far from the urban hustle, these communities provide a haven of natural wonder and authentic human connections. Whether relishing outdoor pursuits, embracing artistic endeavors, or savoring the coastal ambiance, Alaska’s small towns hold the promise of unforgettable experiences, making them true gems within the Last Frontier’s majestic expanse.

Source: redfin.com

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The Compass Cares program is the charitable arm of Compass, a real estate brokerage making big waves in the market. Compass was recently honored as a 2023 “Game Changer” by RealTrends. Compass isn’t only focused on national real estate sales, it is looking to make an impact at the local level. For every transaction completed by a Compass agent, the company pledges money to a corresponding Compass branch. At the end of the year, the agents and brokers at that location are able to donate the funds to an organization in their community and affect real, local change.

When the initiative was announced in 2018, CEO Robert Reffkin said, “I want clients to know that when they are working with Compass, they are working with a company that gives back.” Compass Cares has given back over $2.6 million to local charities since 2019.
One of the most prominent events to come out of the Compass Cares program is the organization’s annual Compass Cares Classic, Charity Golf and Tennis tournament. In 2021, over 400 Compass agents and leadership team members attended, and they raised over $100,000. These donations were given to Ladders for Leaders, Young Voices of Austin and Foundations Communities.

Now in its third year, the tournament will be held in San Diego, California. Funds raised from the event will go toward Feeding San Diego, Monarch School and Rancho Coastal Humane Society.

Below, John Bilek, the national head of sales management and regional vice president of Compass, shares his insights on the program with HousingWire.

HousingWire: What is the origin story of the Compass Cares Classic?
John Bilek: Each year, Compass hosts a national retreat for approximately 2,000 of our real estate agents to network, educate themselves and learn new ways to grow their business. On the last day of the Miami event in 2019, I noticed that many of our attendees came in a day early or stayed a day later to enjoy the local golf courses. We felt there was a huge opportunity to leverage this incredible gathering to foster giving back to the communities that host the annual event. We put together a small, but scrappy, committee made up of Compass staff and agents, and held our first event in Austin, Texas, in 2021.

HW: How do the donations from the Classic impact local charities each year?
JB: We work as a group to determine which three local organizations we can support each year, placing an emphasis on finding groups that drive impact in housing for the underprivileged, career development and leadership opportunities for youth. 100% of the funds we raise go directly to the charities, and they use it in ways they deem best. We try to find organizations that truly need the resources for their current operating budgets and sustainability.

HW: What are your hopes for the future of the event?
JB: Our long-term goal with the Compass Cares Classic was to design a sustainable networking event for our agents that also benefits the communities that they serve. Over the first two years, we’ve been able to donate $160,000 to seven organizations, spanning from Colorado, Georgia and Texas. We would like to hit $1 million by our fifth anniversary, and grow the impact and size of the event each and every year. Ultimately, we can impact every one of the dozens of markets that Compass calls home to.

This was originally featured in the August/September Issue of HousingWire Magazine. To read the full issue, click here.

Source: housingwire.com

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Saving for a down payment is one of the biggest obstacles between first-time home buyers and home ownership.

Luckily, there are now ways to get a 0% down payment.

Thanks to options from FHA and more than 2000 state and local down payment programs accessible through Down Payment Resource, first-time buyers put down only 4 percent last year compared to 14 percent of repeat buyers.[1]

FHA loans, as well as many local down payment programs, are available to buyers regardless of income.  However, it is also possible to get a mortgage without putting anything down if you have the right credentials.

Here are three programs that can still snag you a 0% down mortgage.

VA Loans

The Veterans Administration guarantees purchase mortgages with no required down payment for qualified veterans, active-duty service members and certain members of the National Guard and Reserves. Private lenders originate VA loans, which the VA guarantees. There is no mortgage insurance. The borrower pays a funding fee, which can be rolled into the loan amount.

For first-time purchasers making no down payment, the funding fee is 2.15% for members or veterans of the regulator military and 2.4% for those who qualify through service in the Reserves or National Guard.

Navy Federal Credit Union

Navy Federal Credit Union, the nation’s largest credit union in assets and membership, offers 100% percent financing to qualified members who buy primary homes. Navy Federal eligibility is restricted to members of the military, some civilian employees of the military and U.S. Department of Defense, and family members.

The credit union’s zero-down program is similar to the VA’s. One difference is cost: Navy Federal’s funding fee of 1.75% is less than the VA’s funding fees.

US Department of Agriculture

You don’t have to be a farmer to qualify for the USDA’s Rural Development mortgage guarantee program. You just have to live in a rural or semi-rural area and qualify as a low-to-moderate income homebuyer in your community.

USDA home loans have a maximum purchase price and may also cover home repairs and improvements. Another key benefit is that USDA mortgage rates are often lower than rates for comparable, low- or no-down-payment mortgages. Financing a home via the USDA can be the lowest cost means of homeownership.

Local and State Programs

Of course, there are plenty of low down payment options out there too. In addition to FHA, homebuyers, especially first time home buyers can qualify for low down payment loan programs sponsored by state or local housing authorities.  Contact Down Payment Resource to find programs where you live.

[1] NAR Profile of Home Buyers and Sellers, 2016

Source: totalmortgage.com

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Michael Barr, vice chair for supervision at the Federal Reserve, from left, Martin Gruenberg, chairman of the Federal Deposit Insurance Corp. and Nellie Liang, under secretary for domestic finance at Treasury, during a House Financial Services Committee hearing in March. The American Bankers Association and Bank Policy Institute called on bank regulators to delay finalizing their Community Reinvestment Act rules until the upcoming capital rules are complete and the Supreme Court rules on the constitutionality of the Consumer Financial Protection Bureau’s funding structure.

Bloomberg News

WASHINGTON — The Bank Policy Institute and the American Bankers Association penned a joint letter Tuesday urging federal bank regulators to delay finalizing the most sweeping revisions to the Community Reinvestment Act — an anti-redlining bill — in decades.

The letter, sent by BPI and ABA to the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency suggested regulators should delay any final CRA rule until the agencies’ joint Basel III capital rules are finalized. They posited regulators had not considered how the new capital requirements lower the incentive for banks to engage in CRA activities like low down payment mortgages to low-income families.

“The proposed capital rules would reduce incentives to engage in mortgage lending, which is central to the CRA programs of many banks,” they said. “Many banks offer low down payment mortgages as a means of meeting the credit needs of low- and moderate-income families.”

In addition to asking regulators to pause the CRA rule to accommodate the likely reduction in mortgage lending, the letter also said that a constitutional challenge to the Consumer Financial Protection Bureau’s funding structure should give regulators pause as they move ahead with a final rule. The banking industry has previously expressed opposition to the CRA revamp on the grounds it oversteps congressional authority.

A Texas district court judge last month temporarily barred the CFPB from enforcing its 1071 rule until after the Supreme Court rules on the constitutionality of the CFPB’s funding structure sometime next year.

“The banking agencies should delay finalization of the CRA rules until a final determination is made regarding the status of the rules promulgated under Section 1071, which will affect how the agencies administer certain aspects of the CRA rules,” the banking groups said. 

While the necessity for a CRA update is widely acknowledged, the banking industry has expressed louder opposition as new Basel III endgame requirements and post-banking crisis reforms coincide with the new CRA standards.

In a comment letter in August, 2022 the Bank Policy Institute said the agencies’ joint proposed rule exceeded statutory mandate, added needless complexity and broad application and was overly punitive in its application toward banks. Another major trade group, the American Bankers Association, made similar claims in an August comment letter, saying the proposal missed the mark. ABA said they were concerned that significant numbers of banks would need to invest more in their retail lending departments to pass retail lending examinations under the new rule.

The Community Reinvestment Act was passed in 1977 to bar banks from accepting deposits from lower-income communities without making commensurate levels of loans to those communities — a problem for many communities of color in the first years since explicit racial discrimination in lending was outlawed. The law requires banks to make loans to low- and moderate- income borrowers in the institution’s “assessment area,” defined as areas where the bank has its headquarters, branches or deposit-taking ATMs.

Banks are assessed for compliance at least every five years by their primary regulator. Banks are graded in three areas: lending, investment and service, weighted as 50%, 25% and 25% of the examination respectively. Banks are then assigned a rating of “outstanding,” “satisfactory,” “needs to improve” or “noncompliant” based on their performance.

If a bank is deemed to have less than a “satisfactory” rating, then it may not merge with or acquire another banking institution or modify its charter until it achieves compliance. But critics have argued that most banks receive either an outstanding or satisfactory rating, meaning that virtually no banks face the regulatory burdens that the CRA can impose.

Former Comptroller of the Currency Joseph Otting sought to reform the implementation of the CRA during the Trump administration, but community advocates argued that his reforms were too favorable to banks and would yield little additional investment in the communities that need it the most. Bank regulators issued their revised proposal last year. 
— John Heltman contributed to this report

Source: nationalmortgagenews.com

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Calling all leaf peeping people.

Nestled in the bosom of autumn’s embrace, there exists a symphony of colors awaiting an eager audience. For those who find enchantment in nature’s shifting hues, leaf peeping is a pastime as enthralling as it is ephemeral. Across the United States, cities cast their autumnal spell, inviting explorers to wander amongst fiery reds, burnished oranges and golden yellows that dapple the canopy of trees.

In case you didn’t know, leaf peeping, or foliage tourism, refers to the popular outdoor activity of observing and enjoying the vibrant and colorful displays of autumn foliage, particularly the changing leaves of deciduous trees. Enthusiasts often engage by taking leisurely drives, hikes or strolls through forests, parks and scenic routes to witness and appreciate the breathtaking natural spectacle.

The transitory brilliance of fall foliage beckons, creating a spectacle that both captivates and enchants. From East Coast towns nestled amidst mountainous splendor to Midwest cities flanked by vast forests, the stage is set for an awe-inspiring show of nature’s artistry. These cities offer not only a front-row seat to the spectacle but also provide an array of experiences and activities to complement the leaf peeping adventure.

Cape May heralds the arrival of autumn with a flourish of colors, transforming the landscape into an enchanting canvas of reds, oranges and yellows. The charm of this historic coastal town is elevated in the fall, as tree-lined streets and lush parks become an oasis for leaf peepers. Each tree seems to tell its own story, with leaves changing at their own pace, creating a dynamic display of nature’s artistry.

The serene beaches, usually the highlight of the warmer months, become a backdrop to the kaleidoscope of foliage, offering a unique blend of natural beauty that enchants visitors and locals alike throughout the entirety of the season.

What makes Cape May an exceptional destination for leaf peeping is not just the foliage itself but the town’s quaint, Victorian architecture that adds an air of nostalgia to the experience. The town’s picturesque setting, complemented by boutique shops, cozy eateries and the iconic Cape May Lighthouse, further enhances the appeal.

Thanks to its proximity to the Great Smoky Mountains National Park, Gatlinburg is a haven for leaf peeping when autumn descends. The mountains and valleys provide a vast canvas upon which nature paints a masterpiece each year. With a kaleidoscope of colors, the foliage creates a dramatic backdrop against the rugged mountainous terrain. It’s no wonder that Gatlinburg has earned a reputation as a top destination for leaf peeping, providing a vantage point to witness the grandeur of autumn in all its glory.

In Gatlinburg, leaf peeping is not just about the visual spectacle. The town itself adds to the charm of the experience with its cozy cabins, artisan shops and local festivals celebrating the harvest season. And of course, you can find Dollywood nearby and catch the sights from one of their thrill rides. Each corner of Gatlinburg holds the promise of a new discovery, a chance to immerse oneself in the culture of the region.

Stowe pops up as a leaf peeping paradise in the fall. The town’s forested mountainsides and scenic vistas are transformed by autumn’s palette. As the leaves begin to turn, the surrounding Green Mountains come alive with a dazzling display of nature’s artistry. Stowe’s picturesque landscapes, which range from meandering streams and lush valleys to rugged peaks, offer a multitude of vantage points for prime foliage tourism.

Stowe’s charm goes beyond the fall flora, extending into the town’s character and quiet yet lively nature. The quaint New England village, with its white steepled church and charming wooden buildings, complements the autumnal spectacle and adds a sense of nostalgia to the leaf peeping experience. The town’s local farms, artisan markets and cozy cafes provide a taste of Vermont’s culinary bounty, with creative delights always on display.

With its mountainous terrain and aspen groves, Park City is an underrated destination for leaf peeping when autumn rolls around. The town’s elevation and unique mix of deciduous and evergreen trees provide a canvas for a captivating display of fall colors. As the season progresses, aspen leaves transform from a shimmering green to brilliant gold, creating a stunning contrast against the deep green of the surrounding pine trees.

The mountainsides seem to be brushed with golden paint, and the reflection of the leaves in the waters of nearby reservoirs adds to the visual splendor. The scenic drives and hiking trails that weave through the Wasatch Range offer leaf peeping enthusiasts countless opportunities to immerse themselves in the beauty of the season, with every turn revealing a new perspective of autumn’s handiwork.

This former mining town has retained its historic charm while evolving into a world-class destination for outdoorsy types. As the fall colors take center stage, the town comes alive with festivals, art fairs and other community events that celebrate the season’s bounty.

Fayetteville is a hidden gem in the heart of Appalachia that becomes a sweet spot for leaf peeping when fall casts its spell on the landscape. The dense forests and rugged cliffs that surround the town display a mesmerizing mix of warm hues, creating a spectacle that captures the imagination.

The nearby New River Gorge serves as a dramatic backdrop for the shifting shades of the season. As the leaves begin to change, the gorge becomes a sea of color, drawing the eye to the undulating waves of foliage that blanket the hills. Leaf lovers can explore the winding trails that offer panoramic views of the gorge or take a scenic drive along the rim to witness the grandeur of nature’s transformation. If you’re brave enough, you can even take on the Gauley River whitewater courses, which start attracting tourists for several weeks following Labor Day.

Fayetteville’s charm as a leaf peeper’s delight is further enhanced by the town’s natural resources and welcoming atmosphere. As the leaves change, the town becomes a hub for outdoor enthusiasts who come to explore nature’s extreme sports or hike to see gorgeous views. The town itself provides a warm and welcoming setting for locals and visitors alike to savor the sights and sounds of autumn however they see fit.

Lewes stands as an unsung hero of the leaf peeping world. Its quiet charm and historic beauty are amplified by the fall foliage that adorns its oceanside streets and parks. Leaves of every imaginable shade flutter in the wind, creating a rustling symphony that mirrors waves crashing on beaches.

The world seems to slow down, inviting visitors to lose themselves in the colors that paint the town anew. Whether walking along the tranquil banks of the Lewes-Rehoboth Canal or exploring the nearby Cape Henlopen State Park, there is no shortage of opportunities for anyone looking to fall in love with the leaves while catching beachside views of Delaware Bay.

Come fall, time-worn brick houses punctuated by white picket fences provide a stark contrast to the vivid leaves. It’s as if the town has been draped in autumn’s finest attire. The simple pleasure of walking down the cobblestone streets, catching glimpses of crimson and gold, allows one to feel connected to the rhythms of nature. Another plus? It’s a 90-minute ferry ride away from our first destination on this list, Cape May.

With its panoramic vistas of the Blue Ridge Mountains, Clayton becomes a sight to behold as the fall season unfolds. The undulating hills surrounding the town are painted with a medley of miraculous colors, creating the perfect canvas for leaf peeping.

The nearby Chattahoochee National Forest offers an array of scenic viewpoints and overlooks, where leaf peepers can pause and soak in the breathtaking vistas. Whether it’s the reflection of the autumn foliage in the waters of Lake Burton or the panoramic view from Rabun Bald, Clayton’s natural beauty comes alive during the fall, making it a must-visit destination to see the leaves in peace.

Clayton’s Main Street offers a taste of true Southern living and adds a delightful layer to the leaf peeping experience. Fall festivals and farmers markets create a sense of community and connection, allowing visitors to explore the local culture and savor the flavors of the season. The combination of stunning natural beauty and local charm makes Clayton an undeniably unique destination for leaf peeping.

The mix of cottonwood, aspen and oak trees in Taos offers a stunning contrast against the backdrop of the Sangre de Cristo Mountains. As the leaves change color, the landscape transforms into a captivating palette of natural perfection, reflecting the warm tones of the surrounding adobe buildings.

Taos’s many scenic drives and hiking trails provide anyone looking to see the fall leaves with countless vantage points to capture the beauty of the season. The Enchanted Circle Scenic Byway, which loops around the mountains and valleys, offers breathtaking vistas of the changing foliage. Whether exploring the town’s historic streets or venturing into the nearby Carson National Forest, Taos presents a unique and awe-inspiring leaf peeping experience.

As the leaves change, Taos becomes a hub for art festivals, harvest celebrations and cultural events that reflect the region’s diverse heritage. Strolling through the town’s art galleries, exploring the Taos Pueblo or attending a local festival allows visitors to immerse themselves in the history and creativity of the region.

Bardstown’s sprawling distilleries and horse farms are evolved by autumn’s gorgeous display of colors. The winding roads that meander through the countryside offer leaf peepers the chance to immerse themselves in the season’s beauty, with every turn revealing a new creation straight from Mother Nature’s paintbrush.

The nearby Bernheim Arboretum and Research Forest provides a retreat for those seeking to explore the changing foliage on foot, with miles of hiking trails that traverse woodlands and meadows. Whether enjoying the view from a scenic overlook or taking a leisurely drive along the Bourbon Trail, Bardstown presents a leaf peeping experience that is as rich and nuanced as the bourbons that are crafted in the region.

From bourbon tastings and distillery tours to fall festivals and farmers markets, Bardstown offers a taste of Kentucky’s food and culture. Beyond that, the town’s historic buildings, quaint shops and inviting eateries provide a warm setting for those seeking to savor the sights and flavors of the season. Plus, it’s about an hour away from both Lexington and Louisville, Kentucky’s largest cities.

In Ridgway, the surrounding aspen trees that dot the slopes of the San Juan Mountains undergo a remarkable transformation, their leaves turning a brilliant gold that stands in striking contrast to the deep green of the pines and the rocky crags. The Dallas Divide, a scenic byway that winds its way through the mountains, offers a front-row seat to this spectacle. Whether taking in the view from a scenic overlook or hiking along the trails that traverse the Uncompahgre National Forest, Ridgway offers a leaf peeping experience that is as awe-inspiring as it is humbling.

Known for its role as the backdrop for classic Western films, Ridgway exudes a sense of authenticity and rugged charm that complements the beauty of the season. As the leaves change, the town becomes a hub for outdoor enthusiasts who come to explore the trails, go mountain biking or try their hand at fly fishing in the Uncompahgre River. The town’s many local businesses offer a taste of Ridgway’s culture and hospitality, providing an inviting setting for those seeking to savor the sensory delights of fall in Colorado.

A borough known for its urban vitality and cultural diversity, Brooklyn offers an unexpected yet delightful setting for leaf peeping. The tree-lined streets and parks that punctuate the cityscape become canvases for the hues of autumn, transforming the neighborhood into a burst of temporary color amidst the concrete jungle.

Prospect Park, designed by the creators of Central Park, offers a sanctuary for those seeking to immerse themselves in the beauty of the season. Whether strolling along the park’s pathways or pausing to take in the view from a bench, Brooklyn offers a leaf peeping experience that is as dynamic as the neighborhood itself.

From open-air markets and art exhibitions to food festivals and live performances, Brooklyn offers a taste of the city’s rich cultural fabric. The fusion of natural beauty and urban energy creates a unique setting for leaf peeping, allowing visitors to experience the magic of the season while exploring the rhythm and pulse of the city.

Peep the leaves in the perfect place this fall

And thus, as the leaves take their final bow, the symphony of colors draws to a close, leaving the observer in a state of enchantment. Leaf peeping, an activity celebrated by nature enthusiasts, artists and aimless wanderers alike, reminds us of the impermanent beauty that fills the world.

So pack your bags, grab your camera and step out into the world to relish the visual splendor that these cities provide. In the embrace of these autumnal landscapes, you are sure to discover the magic that dances in the leaves, find inspiration in the changing colors and revel in the ephemeral beauty that nature bestows.

It’s time to find your next apartment in one of the stunning cities listed above. Start your search here.

Source: rent.com

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A bipartisan energy bill that was introduced to the Senate late last month would benefit mortgage borrowers who buy or refinance energy-efficient homes.

The SAVE Act, co-authored by U.S. Senators Michael Bennet (D-CO) and Senator Johnny Isakson (R-GA), would allow federal mortgage agencies to consider a property’s energy efficiency and expected energy bills when determining a homeowner’s ability to repay their mortgage.

Energy Reports Become Part of the Mortgage Underwriting Process

When applying for a federally backed loan, such as an FHA loan, VA loan, or Fannie Mae/Freddie Mac loan, the borrower would have the voluntary option to submit a so-called energy report.

From this report, lenders would determine the energy savings associated with any green fixtures, such as energy-efficient appliances, windows and insulation, or solar panels, and compare them to average energy costs for similar homes in the area.

Those savings could then be used to offset other monthly liabilities when determining the borrower’s debt-to-income ratio, thereby giving the consumer more purchasing power.

It could also mean the difference between an approval and a denial if the borrower’s DTI was right on the cusp, particularly important with the new Qualified Mortgage rules.

Additionally, lenders would be able to factor in the present value of energy savings into the value of the home when calculating the loan-to-value ratio.

So if a home came equipped with solar panels or some other energy-savings upgrades, they could actually lower the LTV, and potentially push a loan below key thresholds.

For example, a lender could add energy upgrades to a home’s value to push the LTV down to 80% or lower to help a borrower avoid private mortgage insurance.

Lenders would also be required to inform loan applicants about the benefits of energy efficiencies and the resources available to them.

Additionally, the legislation would allow homeowners to finance energy upgrades into their mortgages.

Homeowners Spend $70,000 on Energy Costs During 30-Year Mortgage Term

The lawmakers claim the average homeowner spends $2,500 in energy costs annually, or a whopping $70,000 during a 30-year mortgage term.

Energy efficiency upgrades can lower these costs by 30% or more, putting cash in the pockets of homeowners that could even go toward paying down the mortgage earlier.

Last year, a study conducted by the University of North Carolina at Chapel Hill (UNC) Center for Community Capital and the Institute for Market Transformation (IMT) found that owners of energy-efficient homes were about a third less likely to miss their mortgage payments.

The author of the study argued that green homeowners could be entitled to lower mortgage rates, further increasing their purchasing power.

If passed, the SAVE Act could result in energy savings of $1.1 billion, which in turn would be funneled back into the economy.

Investment in energy-efficient home building also has the potential to create an estimated 83,000 construction jobs.

(photo: Bernd)

Source: thetruthaboutmortgage.com

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Northwestern Mutual Will Help Nearly 2,000 Additional Milwaukee Students Enroll Over the Next Few Years, Advancing Quality Education in the City

Additional commitment of $5.7 million to support 40 Milwaukee-based nonprofits and schools, a bridge loan to Notre Dame School of Milwaukee for expansion of campus, as well as two grants supporting St. Marcus School and St. Augustine Preparatory Academy

MILWAUKEE, Wisc., Aug. 22, 2023 – Northwestern Mutual has long been committed to investing in high-quality education to help close the opportunity gap for Milwaukee-area students. Over the last 25 years, the company has contributed more than $60 million to support these efforts. Today Northwestern Mutual is committing to an additional $5.7 million to support 40 Milwaukee-based nonprofits and schools, which includes a bridge loan to Notre Dame School of Milwaukee and two capital grants to St. Marcus School and St. Augustine Prep. This will help to add an additional nearly 2,000 quality seats to classrooms over the next few years by expanding school campuses.

“Education is a core pillar to the work that we do at Northwestern Mutual. Milwaukee is home to a great number of talented students, and we want to continue to provide them with the foundation for a quality education and opportunities for career advancement,” said Steve Radke, president of the Northwestern Mutual Foundation. “We are thrilled so many additional students will have the opportunity to benefit from the education of these three schools.”

Notre Dame School of Milwaukee, St. Marcus School, and St. Augustine Preparatory Academy are high-performing schools serving students from some of the company’s partner neighborhoods within Milwaukee and recipients of the company’s financial support.

The Northwestern Mutual Foundation is investing in a $2 million bridge loan to Notre Dame School of Milwaukee to help purchase a third campus and increasing the number of high quality education seats, which will serve more than 300 students at the school’s new building over the next few years. The two grants will be issued to St. Marcus School and St. Augustine Prep with $450,000 and $225,000, respectively, adding capacity at the two schools. 

Learn more about the schools and the company’s support here: www.northwesternmutual-foundation.com

About Northwestern Mutual Foundation 
The mission of the Northwestern Mutual Foundation is to improve the lives of children and families in need. The Foundation has given more than $400 million since its inception in 1992 and is designed to create lasting impact in the communities where the company’s employees and financial representatives live and work. We accomplish this by combining financial support, volunteerism, thought leadership and convening community partners to deliver the best outcomes. Our efforts are focused nationally on curing childhood cancer, and locally on education, neighborhoods and making our hometown of Milwaukee a great destination. Visit Northwestern Mutual Foundation to learn more.

About Northwestern Mutual
Northwestern Mutual has been helping people and businesses achieve financial security for more than 165 years. Through a comprehensive planning approach, Northwestern Mutual combines the expertise of its financial professionals with a personalized digital experience and industry-leading products to help its clients plan for what’s most important. With more than $558 billion of total assets being managed across the company’s institutional portfolio as well as retail investment client portfolios, nearly $35 billion in revenues, and $2.2 trillion worth of life insurance protection in force, Northwestern Mutual delivers financial security to more than five million people with life, disability income and long-term care insurance, annuities, and brokerage and advisory services. Northwestern Mutual ranked 111 on the 2023 FORTUNE 500.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM), Milwaukee, WI (life and disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries. Subsidiaries include Northwestern Mutual Investment Services, LLC (NMIS) (investment brokerage services), broker-dealer, registered investment adviser, member FINRA and SIPC; the Northwestern Mutual Wealth Management Company® (NMWMC) (investment advisory and services), federal savings bank; and Northwestern Long Term Care Insurance Company (NLTC) (long-term care insurance). Not all Northwestern Mutual representatives are advisors. Only those representatives with “Advisor” in their title or who otherwise disclose their status as an advisor of NMWMC are credentialed as NMWMC representatives to provide investment advisory services.

Source: news.northwesternmutual.com