For the past two months, I’ve been conducting an informal experiment looking at commuting costs. Spurred by the high cost of gas — $4 per gallon to fill my Mini!?! — I decided to use alternate transportation: my feet. In May, I walked over 200 miles. In June, I’ve walked less but biked more.
Related >> My Mini and the Power of Saving
Walking and biking takes more time, it’s true, but not as much as I’d feared. Besides, walking and biking give me additional exercise, so there’s a cost benefit there (both in terms of time and money). Plus, I’ve discovered that I’m pretty good at multitasking while walking. Sometimes I just relax and enjoy the journey, but other times I’m able to read as I walk or even write rough drafts of blog posts.
For longer trips (such as the 8-1/2 mile jaunt into downtown Portland), I’ve been using my bike. Portland has one of the country’s best biking cultures, so this is easy to do. And fun. And it’s cost effective.
How cost effective? That’s the real question, isn’t it? Bike advocates often point out how much people can save by driving less, but their general numbers are tough to translate to a personal level. Well, Michael Bluejay, who runs the outstanding Saving Electricity site that I’ve mentioned many times before, has come up with an Owning a Car vs Not Owning a Car calculator that lets folks plug in the numbers for their personal situation.
Bluejay’s calculator takes into account commuting costs, including gas, insurance, maintenance, and depreciation. On the “not driving” side, it includes the cost of a bicycle, as well as costs for buses, taxis, and car sharing. It also allows you to change your assumptions about how much you’ll earn on the money you save by not driving. (This is nice. Instead of just assuming an 8% return, you can opt to assume a 1% return.)
At his site, Bluejay writes:
Riding your bike can make you a millionaire! You’re paying more for your car than you think. A typical American who goes car-free for 35 years can save nearly a million dollars, even adjusted for inflation, and even if they pay for taxi, bus, and car-share trips often. Use the calculator to find how much you can save in your particular situation.
Now, I’m an advocate of walking and biking, but I think Bluejays’s claims are a little unrealistic. Yes, driving is expensive. Yes, biking (or walking) can save you money. But it’s unlikely that the average person has the ability to simply give up their car.
Instead, I think it’s more practical to do what I’ve done: find ways to drive less and reduce your driving costs. I don’t have the ability (or desire) to give up my Mini completely, but I’ve enjoyed looking for ways to drive it less. It’s fun to walk to the gym and the grocery store. I enjoy biking into Portland or over to my friends’ houses. These things are liberating, and they save me money.
When you step foot in Salisbury, MD, you’ll be captivated by its picturesque downtown, lined with charming boutiques, cozy cafes, and inviting restaurants. Stroll along the scenic Riverwalk, and enjoy the stunning views of the Wicomico River. Or explore the stunning beaches of the Eastern Shore; you’ll surely find something to love in this town. However, with any place, there can be drawbacks to living there. If you need help determining if Salisbury, MD is a good place to live, Redfin has you covered. So whether you’re searching for apartments for rent in Salisbury or homes for sale, read on for the ten pros and cons of living in Salisbury, MD.
Pros of living in Salisbury, MD
1. Affordable housing costs
Salisbury offers affordable housing costs, making it an attractive destination for individuals and families seeking a more budget-friendly lifestyle. Housing in Salisbury is generally cheaper than in larger metropolitan areas, with various options from apartments to single-family homes at reasonable prices. The median sale price is $245,000, down 2% from the year prior and well below the national median of $407,415. Apartments in Salisbury are also on the affordable end, with a two-bedroom averaging for $1,549. So if you are looking for a city that fits within your budget, Salisbury is a city to check out.
2. Proximity to major cities
Positioned within a few hours’ drive, Baltimore, Washington D.C., and Philadelphia are all within reach. Around a 2.5-hour drive, you’ll find yourself in Baltimore, known for its vibrant Inner Harbor, historic sites, and renowned sports teams, providing a great small getaway. Salisbury’s proximity to Washington D.C., the nation’s capital is around the same distance as Baltimore. D.C. offers numerous world-class museums and iconic landmarks you can easily check out over the weekend. And if you drive a bit further south, you’ll discover Philadelphia, known for its rich history, vibrant arts scene, and diverse culinary options. This proximity allows Salisbury residents to easily access the cultural, educational, and professional opportunities these significant cities offer while still enjoying the relaxed atmosphere and community-oriented lifestyle that Salisbury provides.
3. Access to beautiful coastal scenery
Salisbury boasts easy access to breathtaking coastal scenery, making it a haven for nature lovers and outdoor enthusiasts. Located on the Eastern Shore of Maryland, the city is close to the stunning Chesapeake Bay and the Atlantic Ocean. Just a short drive away, residents can explore scenic coastal areas such as Ocean City, Assateague Island, and Chincoteague Island. These destinations offer pristine beaches, dunes, and tranquil marshlands, perfect for leisurely walks, sunbathing, birdwatching, and horseback riding.
4. Variety of outdoor recreational opportunities
Living in Salisbury presents abundant outdoor recreational opportunities, ensuring that residents can enjoy an active and adventurous lifestyle. The region is home to numerous parks, nature reserves, and hiking trails, allowing outdoor enthusiasts to immerse themselves in the beauty of the surrounding landscapes. Pemberton Historical Park, with its scenic trails and diverse wildlife, offers hiking, birdwatching, and photography opportunities. Additionally, the Wicomico River and nearby Chesapeake Bay provide excellent opportunities for boating, fishing, and water sports such as kayaking and paddleboarding.
5. Active arts and entertainment scenes
The city is home to numerous art galleries, theaters, and performance venues. They showcase the talent and creativity of local artists and performers throughout the year. The Salisbury Art Space exhibits diverse artworks, fostering an appreciation for visual arts in the community. The Salisbury Symphony Orchestra enchants audiences with its captivating performances. At the same time, the Wicomico Civic Center hosts a variety of concerts, comedy shows, and live events that cater to different tastes and interests.
Cons of living in Salisbury, MD
1. Hot and humid summer weather
During the summer, temperatures can rise to 86 degrees Fahrenheit. Accompanied by high humidity, that can make the weather feel even hotter and more uncomfortable. The combination of heat and humidity may pose challenges for outdoor activities and make spending time outdoors less enjoyable for those who prefer milder climates. Additionally, the high humidity levels can contribute to feelings of stickiness and make it more difficult to find relief from the heat. That said, residents can find ways to adapt to the weather, such as seeking shade, heatproof your home, and staying hydrated.
2. Scarce public transportation
Salisbury is known to have limited public transportation options, which can be considered a drawback for some residents. The city’s public transportation infrastructure, such as bus systems or trains, may be less extensive than larger metropolitan areas. This limited public transportation can pose challenges for individuals who rely on public transit for daily commuting or prefer to avoid driving. It may require residents to own a car or rely on alternative modes of transportation, which can add to the cost of living and potentially contribute to traffic congestion during peak travel times.
3. Limited job market
The city’s job market is relatively smaller compared to larger metropolitan areas, which can result in a more competitive landscape for jobseekers. The range of industries and career paths available may be more limited, particularly in specialized fields. This can make it challenging for individuals seeking employment that aligns with their professional aspirations or expertise. However, it’s worth noting that the job market can vary depending on individual skills, qualifications, and the industry one is pursuing.
4. Potential impact from hurricanes and coastal storms
Located along the Eastern Shore of Maryland and close to the coast, Salisbury is susceptible to severe weather events. Hurricanes and tropical storms can bring heavy rainfall, strong winds, and the risk of flooding, posing a threat to property, infrastructure, and personal safety. These natural occurrences may lead to disruptions in daily life, and the need to take precautionary measures to safeguard one’s home.
5. Lack of major professional sports teams
Salisbury is only known for the Delmarva Shorebirds, part of the Carolina League for baseball. This limited professional presence can diminish the excitement and camaraderie that come with supporting local sports teams and enjoying the electric atmosphere of a stadium or arena.
Is Salisbury, MD a good place to live? Final thoughts
Whether Salisbury, MD, is a good place to live depends on individual preferences, priorities, and lifestyle choices. The city offers several advantages, including affordable housing costs, access to beautiful coastal scenery, and proximity to major cities. However, it is essential to consider potential downsides, such as limited job market opportunities, hot and humid summers, and limited public transportation options, to name a few. Weighing the pros and cons of living in Salisbury will help determine if you want to make this city your home.
What are the healthiest cities in America? Some of the top ranking ones might surprise you.
Each year, the American College of Sports Medicine creates the American Fitness Index, a list of the healthiest cities in the U.S. based on diet and exercise habits, recreational opportunities and the prevalence of certain diseases.
Following is a collection of some of the highest-ranking metros in the country.
9. Denver, Colorado
Denver’s typically active residents enjoy the city’s ample recreational opportunities, farmers’ markets and healthy restaurants. In addition to its other healthy attributes, Denver, ninth on the list, spends more than other cities on park properties and programs. The city’s Raptor Education Foundation promotes environmental awareness and offers tours in which visitors watch bald eagles, hawks and other wildlife.
More about health on the AG Blog:
8. Seattle, Washington
This green city, fed by plenty of rainfall, has more than 11 miles of walking and biking trails; recreational sites such as Discovery Park are well-used by the city’s active residents. Joggers, cyclists, strollers, roller bladers and beach enthusiasts in Seattle spend plenty of outdoor time at Alki Beach in summer weather.
7. Portland, Oregon
A city famous for environmental initiatives, Portland also has more park land per person that any other city. It’s a good fit for the many Pacific Northwesterners who flock to take advantage of the area’s outdoor opportunities. From the plentiful parks and trails of the city to the nearby Columbia Gorge, the area is as beautiful as it is accessible. Easy access to fresh food and healthy restaurants complete the good-for-you aspects of the city.
4. San Francisco, California
With San Francisco’s focus on fitness, love of its own outdoor spaces and fine weather, it’s no wonder the percentage of obese residents is low and frequent use of the city’s farmers’ markets and recreational options is high. It’s also a city that helped start the trend of healthy gourmet eating, just across the Bay from Berkeley, the birthplace of the farm-to-table movement.
3. Boston, Massachusetts
Boston is a hugely-popular city for walkers and bikers, with many residents commuting to work on two feet or two wheels. An estimated 80% of the city exercises; a relatively low smoking rate of 14% is reported, as well. Lots of healthy eating and lifestyle habits round out the health profile of this city.
2. Washington, D.C.
D.C.-area residents reportedly eat more fruits and vegetables, shop at more farmers’ markets and smoke less than most of their counterparts elsewhere in the country. They’re also an active group, making frequent use of the city’s many trails and parks. The District even closes certain roads on the weekends for recreational use.
1. Minneapolis-St. Paul, Minnesota
If you figured the healthiest city in the country was in the West, guess again. Minneapolis-St. Paul, tops the list this year. The city’s bike trails, parks and walking spaces help keep its citizens healthy and less likely to be overweight. They buy food from a larger per capita number of farmers’ markets — the main one dating back to 1937. And this Midwestern city can boast more golf courses, playgrounds and dog parks than other cities. All this adds up to a healthier, happier populace.
Do you live in one of these healthy hotspots, or might you relocate to one? It seems true that health, like charity, begins at home, no matter where that is!
The 2020 Home Buyers and Sellers Generational Trends Report highlighted similarities and differences across generations of home buyers and sellers. This report takes a look at trends among generational groups within the following 7 categories:
Characteristics of Home Buyers
Characteristics of Homes Purchased
The Home Search Process
Home Buying and Real Estate Professionals
Financing the Home Purchase
Home Sellers and Their Selling Experience
Home Selling and Real Estate Professionals
Overall, Millennials made up the largest share of home buyers at 38 percent.86% percent of Younger Millennials, and 52 percent of Older Millennials were first-time home buyerswhile buyers from ages 40 – 54 (Gen X) consisted of 23% of recent home buyers.
On average, Gen X homebuyers bought the largest homes in size at a median of 2,000 square feet and also moved the shortest distance. The biggest motivations for people above age 55 who purchased a new home were: the desire to own a home of their own, being closer to friends and family, and living in a better area.
Sellers 65 to 73 years (Older Boomers) made up the largest shares of sellers at 23%. Those who were 55 years and older often purchased a similarly-sized, but less expensive home than they sold while moving further away.
Chapter 1: Characteristics of Home Buyers
Characteristics of Home Buyers covered trends among married couples, unmarried couples, single buyers, and buyers with children under the age of 18. Sixty one percent of buyers between ages 30 to 39 had at least one child under the age of 18 residing in their home. 👶
Do you have children? If the answer is yes, or if you are planning to in the near future, you should consider the following 5 key items when searching for a home:
1. School districts
2. Access to local services and amenities
3. Privacy
4. Safety
5. Storage
Chapter 2: Characteristics of Homes Purchased
Home Inspection:
39% of recent buyers who purchased new homes were looking to avoid renovations and problems with plumbing or electricity.🔌🔨🔧💡
Before buying a home, it is always important to check the exterior for any damages. According to the National Association of Realtors Report for 2020, windows, doors, and siding were very important factors that mattered to home buyers between ages 65 – 73. It’s always a smart idea to hire a professional to inspect the interior and exterior of a home before making an offer. Here is a list of 9 Important Exterior Items to Check When Buying a Home:
Foundation
Grade of Property
Settling
Downspouts
Roof
Chimney
Windows
Siding
Concrete Stoops, Patios, and Walks
** It is worthwhile to note that the damages on this list don’t necessarily mean you should cancel a potential purchase, but you should get information on whether or not these things will be fixed and how they might be accounted for in the price. If you have any questions or are looking for home inspector referrals, reach out to be connected to a Total Mortgage loan officer and we can make sure you get the quality in a home that you deserve!
COMMUTING:
Commuting costs were very important at 45% for buyers 22 to 29 years.
Deciding where to buy a home starts with finding a neighborhood that fits your lifestyle and has a cost of commuting that you’re willing to accept. Most people are still working from home, however not everyone is so lucky.
Did you know that the average one-way commute time for most Americans is 26.1 minutes? 🚗 For people who work 5 days a week, that adds up to an average 4.35 hours weekly! This may not seem like a lot but reality kicks in when you start to consider gas money, mileage, funds for public transportation and more. So, if you are looking to buy a new home, make sure you choose a location that makes the trip to work worth it! 😊
Chapter 3: The Home Search Process
According to the National Association of Realtors Report for 2020, the most important website feature were photos for nearly nine in 10 buyers under the age of 55.If you are looking to sell your home, it’s important to have professional pictures and sufficient property information listed online. 📸 Detailed information about properties for sale were also very important to all age groups.
Now, you might be wondering; how long does it typically take to find a new home? According to the National Association of Realtors Report for 2020, buyers typically searched for 10 weeks and looked at a median of nine homes.
Chapter 4: Home Buying and Real Estate Professionals
Why you need a Real Estate Agent:
Are you a pro at negotiating? 🤝 Do you like doing loads of paperwork? 📄 Most likely the answer is “no” because ain’t nobody got time for that! In 2020, it was reported that the majority of home buyers between the ages of 22 – 29 and 74+ wanted an agent to help with paperwork. Agents not only specialize in negotiating and understanding contracts, but they also are power players when it comes to getting the paperwork taken care of.
Home Buying Process:
Do you know how the home buying process works? 🤝🏡💵If not, that’s okay! Actually, most people don’t fully understand how the home buying process works from start to finish. According to the National Association of Realtors Report for 2020, help understanding the purchase process was most beneficial to buyers 29 years and younger at 85 percent and for buyers 30 to 39 years at 69 percent.
Regardless of age, the majority of people really benefit from having assistance with the home buying process. To gain a better understanding, check out the graphic below. Now is the time to start making moves towards finding your dream home!
Chapter 5: Financing the Home Purchase
Saving for a Down Payment:
If you are a prospective first-time home buyer struggling to save money for a down payment, you aren’t alone. According to the National Association of Realtors Report for 2020, 13% of all buyers cited that saving for a down payment was the most difficult step in the home buying process. If you’re looking to buy a home but need help saving, check out these tips on How toSave for a Down Payment on a First Home: https://www.thebalance.com/how-to-save-for-a-down-payment-on-a-house-1289847
Student Debt:
Debt hindered prospective home buyer’s ability to save for a down payment by a median of four years and came primarily from student loan debt.
Most people don’t know this but you can still get a mortgage if you have student debt! A lot of first-time home buyers worry about qualifying for a mortgage while still owing student loans. In 2020, 24% of all buyers reported having student loan debt with a median amount of $30,000.
If you are someone who has student loan debt but want to purchase a home, check out this article on How to Buy a House Despite Student Debt: https://www.cnbc.com/2020/01/31/have-student-debt-you-can-still-get-a-mortgage.html
Build Your Savings:
Even without debt, saving money for a down payment can feel like a struggle. Are you wondering how you can alter your spending habits to increase your savings? According to the National Association of Realtors Report for 2020, it was most common for buyers to cut spending on luxury/non-essential items, and on entertainment to save for their home purchase.
Saving efficiently starts with small habits that stay consistent over time. Here are 10 tips to help build your savings:
1. Transfer a fixed amount into a special savings account every month.
2. Skip vacations for a year.
3. Lower your expenses.
4. Reduce your high interest rate debt.
5. Borrow from a relative.
6. Borrow from your retirement plan.
7. Sell some of your investments.
8. Get a second job.
9. Make a deal with the seller.
10. Look into down payment assistance.
Chapter 6: Home Sellers and Their Selling Experience
Equity:
CHA-CHING! 💸Want to know how to get the most equity out of selling your home? Recently sold homes were typically on the market for a median of three weeks and sellers made a median of $60,000 in equity from their sale. If you want the most value, check out these important tips: https://www.opendoor.com/w/blog/how-to-sell-your-house-for-the-most-money
Understand your local market
Choose the right time to sell
Set the right price
Understand how much it really costs to sell a home
Determine how you’re going to sell
Consider minor renovations that add value at minimal cost
Negotiate the best offer – not just the highest offer
Incentives:
Offering different incentives can help attract buyers and potentially increase the value you can get from selling your home! 🏡 According to the National Association of Realtors Report for 2020,34%of all sellers offered incentives to attract buyers. This varied across age groups where it was less likely for sellers 74 years and over to offer incentives and more likely for sellers 55 to 64 years.
Buy down their interest rate
Include furniture or window coverings
Credit for non-recurring closing costs
Offer buyers’ brokers higher commission
Credit for “Close By” date
Chapter 7: Home Selling and Real Estate Professionals
According to the National Association of Realtors Report for 2020, All generations of buyers continued to utilize a real estate agent or broker as their top resource to help them buy and sell their home. While the internet is increasingly incorporated as an important tool in the process, buyers needed the help of a real estate professional to help them find the right home, negotiate terms of sale, and help with price negotiations.
If you are someone who is looking to buy or sell a home, here are 5 reasons why it is wise to utilize a real estate professional: https://www.forbes.com/2010/05/25/why-you-need-real-estate-agent-personal-finance-commission.html?sh=6d0aede94496
Better Access/More Convenience
Negotiating is tricky business
Contracts Can Be Hard to Handle
Real Estate Agents Can’t Lie
Not Everyone Can Save Money
Please feel free to reach out to us at Total Mortgage with any questions!
Cash advance apps have become a vital financial tool, offering a lifeline to those needing early access to earned wages. These apps allow users to borrow money ahead of their pay period, helping them bridge financial gaps and avoid costly overdraft fees or high-interest payday loans.
These apps function by connecting to a user’s bank account, tracking income, and spending patterns. Some require setting up direct deposit through the app. Once connected, users can request an advance on their paycheck, which typically lands in their bank account instantly or within a few business days.
Cash advance apps provide several benefits, including saving users from costly bank charges and providing budgeting tools and savings accounts. However, potential drawbacks include the possibility of falling into a cycle of debt and privacy concerns.
Despite these risks, cash advance apps, when used responsibly, can serve as a valuable financial management tool.
12 Best Cash Advance Apps
We’ve reviewed some of the best cash advance apps available, highlighting key features and who they might be best suited for.
1. Dave – Best for Small Cash Advances
Borrow up to $500 with no interest.
Dave checking account: No fees at 37K MoneyPass ATMs
Tools to help manage spending and anticipate upcoming expenses.
Automated savings: Automatically plans for future financial goals.
Bill alerts: Gives heads up on upcoming bills to prevent overdrafts.
Dave is a financial app well-suited for individuals who occasionally need a small, quick paycheck advance to tide them over until the next paycheck. It’s a reliable tool for managing finances and avoiding overdraft fees.
Dave allows users to borrow up to $500 as a cash advance to cover small expenses or to prevent an account from going negative.
Advances are provided without interest and are automatically repaid on your next payday. Funds are typically available within one to three days, though instant access is available if you choose to pay an express fee.
The Dave app also offers a checking account with no minimum balance, budgeting tools, and an automated savings feature.
The app also alerts users about upcoming bills, helping them better manage their finances and avoid unexpected charges.
2. Brigit – Best for Budgeting Features
Borrow up to $250 with no interest.
Credit builder loans to build credit
Auto-advance: Automatic cash infusion when your balance is low.
Expense forecasting: Predicts future expenses and warns against overspending.
No late fees or penalties: Offers a flexible repayment policy.
Brigit is a cash advance app that stands out due to its strong emphasis on financial tools, making it ideal for individuals who want to better manage their finances while having access to cash.
With Brigit, users can access cash advances up to $250 when their balance is low. The app features an auto-advance option, providing an automatic cash infusion when the user’s bank balance is in danger of dipping below zero.
Brigit also offers a free tool called ‘Finance Helper’ that provides a financial health snapshot and tracks your spending. The app’s algorithm also predicts future expenses and warns users if they’re at risk of overspending.
3. EarnIn – Best for Low Fees
Tip-based fee structure: Pay what you believe is fair.
Daily cash outs: Borrow up to $100 per day based on hours worked.
Balance Shield: Prevents overdrafts with automatic cash infusions.
No credit check: Your credit score isn’t affected by using the app.
Direct deposits: Pay is received directly into your checking account.
EarnIn stands out among cash advance apps for its low-cost structure, making it an ideal choice for those looking to avoid high fees.
Rather than charging a standard fee or interest, EarnIn operates on a tip-based system. This means that users can pay what they believe is fair for the service, even if that amount is zero.
This app works by allowing users to cash out up to $100 per day (up to $750 per pay period) based on the hours they’ve already worked. It’s a great tool to help avoid overdraft fees or cover unexpected expenses between paychecks.
EarnIn also integrates a Balance Shield feature that prevents overdrafts by offering a $100 cash infusion when the user’s bank account falls below a specific amount.
4. Chime – Best for Banking
SpotMe: Allows overdrafts up to $200 without overdraft fees.
Full-service banking: Includes checking and savings accounts with no monthly fees.
Early Direct Deposit: Access your paycheck up to 2 days early with direct deposit.
Automated Savings: Automatic rounding up of transactions to the nearest dollar with transfer to savings.
Secured credit card: Helps build credit score over time.
Chime is a full-service financial technology company that provides users with a banking platform.
Chime’s SpotMe feature allows eligible account holders to overdraft their accounts by up to $200 on debit card purchases without incurring an overdraft fee.
Additionally, Chime offers banking services provided by The Bancorp Bank and Stride Bank, including a no-fee checking account, an automatic savings account, and secured card offerings.
These services, combined with all of Chime’s other features, make it a well-rounded choice for individuals looking to streamline their banking experiences.
5. Current – Best for Quick Cash Advance Processing
Overdraft up to $200 with no fees.
Full-service banking: Provides checking accounts and savings tools.
Spending insights: Offers personalized breakdowns of spending habits.
Teen banking: Offers accounts for teens managed by parents.
No hidden fees: Current is upfront about all its charges.
Current is a comprehensive banking app that stands out due to its impressive speed in processing cash advances.
With Current, you can overdraft up to $200 without incurring overdraft fees. It also provides a checking account, savings tools, and personalized insights into spending patterns.
The lightning-fast processing times and user-friendly platform make Current a reliable choice for individuals who need speedy access to cash.
6. MoneyLion – Best for Comprehensive Financial Services
Instacash: Get up to $1,000 instantly with 0% APR.
Full-service banking: Offers a RoarMoney account for seamless banking.
Credit Builder Plus: Access to a secured credit card to help build credit.
Investment accounts: Provides an opportunity to grow your savings.
Credit monitoring: Keeps an eye on your credit score and provides advice.
MoneyLion sets itself apart as a financial technology company that provides a wide array of services, making it a standout for those seeking comprehensive financial tools in addition to cash advances.
MoneyLion offers a feature known as Instacash, which allows users to borrow up to $1,000 with 0% APR. The requested funds are transferred instantly to the user’s MoneyLion checking account, providing immediate financial relief.
MoneyLion also offers banking services, including a RoarMoney account and a secured card to help build credit.
Investment accounts are also part of its suite of services, making MoneyLion a one-stop solution for numerous financial needs.
7. Albert – Best for Personal Finance Management
Access up to $250 from your next paycheck.
Automated transfers to help you save money effortlessly.
Albert Geniuses: Subscribers can get personalized financial advice.
Keep track of your spending and set budget goals.
Invest in stocks and funds
Albert shines as a financial app focused on overall personal finance management while also offering a cash advance feature. This makes it an excellent choice for users who seek to enhance their financial literacy and stability.
Albert’s cash advance feature, Albert Instant, allows users to advance up to $250 from their next paycheck. This provides a handy buffer against unexpected expenses or potential overdraft fees.
Albert also offers an array of tools, including an automatic savings feature, budgeting help, and a subscription service that provides access to financial advisors for personalized advice.
Furthermore, Albert Geniuses, the app’s text-based financial advice feature, is a unique tool that helps users make more informed financial decisions.
8. Empower – Best for High Cash Advance Limits
Borrow up to $250* with no interest or late fees.
Free credit monitoring
Sets aside savings automatically based on your spending habits.
Spending tracking: Monitors spending to provide insights and alerts.
Personalized tips: Provides suggestions tailored to the user’s spending patterns.
Empower is an app that caters to those who might need larger cash advances, standing out with its high cash advance limits.
Empower offers qualified users advances up to $250* with no late fees or interest. The Cash Advance feature can be a lifesaver for individuals facing unexpected expenses or dealing with high living costs, providing a buffer until the next payday.
In addition, Empower provides a host of banking and financial services. It offers automated saving features and spending tracking to help users manage their finances more effectively.
* Eligibility requirements apply. Minimum direct deposits to an Empower checking account, among other conditions, may be required.
9. Payactiv – Best for Direct Deposit Advances
Direct deposit advances: Access up to 50% of earned wages before payday.
Financial counseling: Offers assistance to help manage finances.
Budgeting tools: Provides tools to monitor spending and set budget goals.
Discounts: Offers discounts on healthcare, retail, and commuting services.
Payactiv is a standout cash advance app for those seeking direct deposit advances, offering a unique system for accessing earned but unpaid income.
With Payactiv, users can access up to 50% of their earned income before payday, providing flexibility and a safety net for those with unpredictable expenses. This advance is automatically repaid from the user’s next paycheck, making it a seamless solution.
Payactiv also offers financial counseling, a Visa debit card, and a savings program. It also provides discounts for healthcare, retail, and commuting services.
Its comprehensive approach to financial wellness makes Payactiv a robust tool for managing personal finance.
10. Vola – Best for Students
Cash advances for students: Offers advances up to $300.
Financial learning resources: Provides educational content to enhance financial literacy.
Budgeting insights: Helps manage finances and plan for future expenses.
Overdraft prediction: Alerts users if they’re at risk of overdrawing their account.
Subscription model: Flat monthly fee provides access to all features.
Vola is a financial app specifically tailored to meet the needs of students, making it the ideal choice for students seeking cash advances.
The app understands the unique financial challenges faced by students and offers solutions to help them navigate their financial journey.
With Vola, students can borrow up to $300. It uses a subscription-based model, which also provides access to various financial tools and learning resources that are especially beneficial for students.
Vola also offers a suite of financial learning resources, money management tools, and an overdraft prediction feature.
These resources empower students to learn about personal finance management while providing a financial safety net when needed.
11. Kora – Best for User Experience
User-friendly: Simple and intuitive interface for ease of use.
Cash advances: Provides advances up to $500 to cover unexpected expenses.
Budgeting tool: Helps users manage their spending and save money.
Bill tracker: Helps users keep track of upcoming bill payments.
No hidden fees: Kora offers transparency in its fee structure.
Kora sets itself apart with its user-friendly interface and experience, making it the best choice for individuals who prioritize a seamless and intuitive user experience when it comes to cash advance apps.
With Kora, students can get up to $3,000, or as little as $25 to start building their credit history. The app’s interface is designed to be straightforward and easy to navigate, allowing users to request an advance with just a few taps.
Kora also offers financial planning tools, including a budgeting feature and a bill payment tracker. The simple, user-friendly layout makes it easy for users to manage their financial activity and plan ahead.
12. Varo – Best for No Overdraft Fees
Overdraft fee-free: Users are not charged for overdrafts.
Cash advances: Provides advances up to $250 to cover unexpected expenses.
Savings Account: Earn 5% APY on up to $5,000.
No hidden fees: Transparent about all charges and costs.
All-in-one banking: Combines a range of banking services in one app.
Varo is a standout for those who wish to avoid overdraft fees while getting cash advances. As a financial technology company that offers online banking, Varo’s cash advance app is an excellent choice for users seeking straightforward, cost-effective solutions.
With Varo, users can access a cash advance of up to $250. It’s also worth noting that Varo, unlike most cash advance apps, does not charge overdraft fees, making it a great option for those who are concerned about accruing extra charges.
Varo also offers a 5% APY savings account, allowing users to manage all their banking needs in one place.
Criteria for Evaluating Cash Advance Apps
When evaluating the best cash advance apps, several critical factors were considered to ensure a comprehensive and accurate review. These apps were assessed based on the following criteria:
Fees: The cost to use the app is a significant factor. This includes any charges for cash advances, subscription fees, late fees, or any other additional costs that could be incurred by the user.
User Experience: The design and functionality of the loan app plays a pivotal role in its effectiveness. A well-designed app should be easy to navigate, intuitive, and user-friendly. This includes the process of requesting a cash advance, accessing available features, and obtaining customer support.
Cash Advance Features: The primary function of these apps is to offer cash advances. Key considerations when assessing these features include maximum advance amounts, fees, repayment terms, and speed of delivery.
Additional Features: Many cash advance apps offer extra features, such as credit building tools, financial guidance, and more. These were evaluated based on their usefulness and how well they integrate with the cash advance function.
Customer Service: Good customer service is essential for any app. The availability, responsiveness, and helpfulness of the customer service team were considered.
Customer Reviews and Reputation: Online reviews and the overall reputation of the app provide insight into user satisfaction and potential issues.
Security: As these apps handle sensitive financial data, the security measures in place were evaluated to ensure they protect user information effectively.
By assessing each app based on these criteria, we aimed to provide a comprehensive overview to help you select the cash advance app that best suits your needs.
How to Choose the Right Cash Advance App for You
As you consider which cash advance app is right for you, it’s important to note a key difference between these apps and traditional payday lenders. Most cash advance apps do not charge interest, unlike payday lenders.
This makes cash apps typically a more cost-effective solution for short-term cash needs. Choosing the right cash advance app requires understanding your financial needs, habits, and goals. Here are a few steps to guide you:
Identify Your Needs: The first step is to define what you need from a cash advance app. Do you need a large advance, or will a small amount suffice? How quickly do you need access to the funds? Are you interested in the other features they offer?
Evaluate the Costs: Understanding the cost structure of the loan app is essential. Some apps might have high fees that can add up over time. Remember to consider both the upfront costs.
Assess the Features: Look beyond the cash advance function. Many apps offer useful features that can help you manage your finances better. Some have financial planning tools, bank accounts, and even financial education resources. If these features are important to you, they should be a significant factor in your decision.
Consider User Experience: The app should be easy to use and navigate. Read online reviews or try out the app to see if you find it user-friendly.
Check the Customer Service: Good customer service is crucial, especially when dealing with financial services. Check if the app provides timely and effective support when needed.
Think About Your Financial Future: Consider whether the app can grow with you. Some cash advance apps include features that can help you improve your financial health in the long term, such as bank accounts, credit building tools, or investment options.
By taking the time to consider these factors, you’ll be well-positioned to choose an app that fits your personal needs and helps enhance your financial situation. Remember, while cash advance apps can provide quick relief in times of need, they’re not a sustainable solution for financial difficulties. If you frequently find yourself needing to borrow money, it may be worth seeking advice from a financial advisor.
Bottom Line
Cash advance apps like Earning, Chime, and Current offer a variety of features and services to meet different financial needs. From low fees and banking features to high cash advance limits and user-friendly experiences, these apps provide convenient solutions for those in need of quick cash access.
The right app for you depends on your individual financial needs, habits, and goals. It’s crucial to consider the costs, available features, user experience, and customer service when choosing an app.
However, it’s important to remember that while these apps can provide immediate financial relief, they should be used responsibly. Cash advances are a temporary solution and not a replacement for sound financial management or long-term financial planning. Frequent reliance on money loan apps may indicate deeper financial issues that need to be addressed.
Lastly, remember to carefully read and understand all terms and conditions before using a cash advance app. Make sure you fully understand the app’s features, fees, and repayment terms can prevent unpleasant surprises down the line.
The Southwest Rapid Rewards Plus Credit Card, like all co-branded travel cards, is aimed at people who regularly fly with Southwest Airlines.
This is a premium travel card that offers 3,000 miles every year you have it, a discount on in-flight purchases, and two free EarlyBird Check-Ins each year.
This card also features a rewards structure, providing bonus miles on spending categories like transit, commuting, internet, cable, phone, and select streaming.
Another strength of this card is its 60,000-mile signup bonus — which is more than enough to get you a round-trip ticket or two!
If you’re thinking about adding the Southwest Rapid Rewards Plus Credit Card to your wallet, this guide will help you decide.
What’s Ahead:
Is the Southwest Rapid Rewards Plus Card for me?
The Southwest Rapid Rewards Plus Card is designed for frequent flyers who like to travel with Southwest.
This means that if you’re a loyal Southwest customer or live near a Southwest hub, this card might be a great option for you. You’ll accelerate your earnings toward free flights and get some solid perks, such as two free EarlyBird Check-Ins each year.
If you aren’t a fan of Southwest or live in a place where Southwest isn’t as prevalent, this card likely won’t be as valuable as another airline or generic travel rewards credit card.
What makes this credit card different?
What makes the Southwest Rapid Rewards Plus Card different is its focus on Southwest Airlines.
Because it’s a co-branded card, it can offer unique benefits and perks that generic travel credit cards can’t. If you fly Southwest frequently, you’ll enjoy these perks.
This card also comes with a great signup bonus in the form of 60,000 bonus points plus a 30% off promo code when you spend $3,000 using the card within three months of opening your account.
You can also receive 10,000 Companion Pass qualifying points boost each year. With the Companion Pass, you can name one person, such as a spouse, partner, or friend, to be your companion. They can get a free ticket on any flight you book for yourself.
Generic travel cards don’t offer these specialized benefits and bonuses, so they likely won’t be as appealing to people who prefer to fly with Southwest.
Related: Best credit card sign up bonuses
What are my chances of getting approved?
As with any credit card, it’s important to think about whether you have a chance of qualifying before you apply. Applying for a new credit card drops your credit score by a few points, so you don’t want to lower your credit for no reason.
Chase, this Southwest credit card’s issuer, says that applicants require good credit to be eligible for the card. That means you should try to have a credit score of about 670 or higher before you apply.
All the details of the Southwest Rapid Rewards Plus Card
Credit cards are complicated, so before you sign up for one, you must make sure you understand how they work.
Rates and fees
The first thing to look at when you want to get a new credit card is how much the card will cost. Some cards, including travel cards, have annual fees, so you want to make sure the benefits and perks you’ll get cover the cost of having the card.
The Southwest Rapid Rewards Plus Card charges $69 per year.
Perks and rewards
When it comes to travel cards, it’s all about the perks and rewards. A good travel card should let you earn your way toward free trips and help you travel more comfortably.
The Southwest Rapid Rewards Plus Card does it all, with a great signup bonus, strong ongoing rewards, and some nice perks to use whenever you’re on a flight.
To start things off, you can earn 60,000 points plus a 30% off promo code when you spend $3,000 within your first three months of having the card.
After that, you’ll earn:
2 points for each dollar spent on Southwest purchases.
2 points for each dollar spent on Rapid Rewards® hotel and car rental partners.
2 points for each dollar spent on local transit and commuting, including rideshare.
2 points for each dollar spent on internet, cable, phone services, and select streaming services.
1 point for each dollar spent on all other purchases.
As for perks, cardholders will get a 3,000-point bonus on each card member anniversary. You can also use the card to get two free EarlyBird Check-Ins each year and 25% back on all inflight purchases.
You’ll also get all the typical credit card perks and benefits, including extended warranty protection and purchase protection.
Related: Best travel rewards cards
How to apply
The easiest way to apply for the Southwest Rapid Rewards Plus card is to visit Chase’s website. Chase is the bank that Southwest partners with to offer this credit card.
To start the process, you’ll enter your personal info, including your:
Name.
Date of birth.
Mother’s maiden name.
Social Security number.
Address.
You’ll also need to provide your Southwest Rapid Rewards number if you have one. If you don’t, Chase will automatically set one up for you if you’re approved.
Finally, you’ll enter whether you rent or own, your monthly rent payment amount (if applicable), and your total annual income. Once you apply, Chase will review it and make a lending decision.
Typically, Chase can make a decision instantly. However, if the bank has trouble matching your information to your credit file or wants to take a closer look at some of the application details, you may have to wait for a decision in the mail.
Contact info
If you have issues with your Southwest Rapid Rewards Plus card, the best thing to do is reach out to Chase’s customer service.
You can contact Chase by signing in to your account and sending a secure message. You can also call credit card customer service at 1-800-432-3117 or contact @ChaseSupport on social media.
Other stuff you should know
One important thing to note about the Southwest Rapid Rewards Plus card is that it’s not the only Southwest travel card available. There are two others: the Priority card and the Premier card.
The Plus is the entry-level card. It has the lowest annual fee but the fewest perks of the three Southwest cards.
The Premier card is the next level up from the Plus card. It has a higher annual fee at $99 but offers 3x points on all Southwest purchases, 6,000 points on every cardmember anniversary, and bonus qualifying points toward A-List status.
The Priority card is the top-end Southwest card. It has a $149 annual fee but offers 7,500 points on every card member anniversary and a $75 credit for Southwest travel each year. You’ll also receive four upgraded boardings each year.
Another thing to consider is that the Southwest Rapid Rewards Plus card is designed for Southwest flyers. The rewards you earn are pretty inflexible and typically only good for Southwest flights. There are some gift card redemption options, but they aren’t a good value.
Alternative credit cards to the Southwest Rapid Rewards Plus Card Credit Card
If the Southwest Rapid Rewards Plus Card doesn’t seem like the right one for you, consider the following alternatives:
Southwest Priority: This card is useful for people who spend a lot on it and want to earn A-List status.
Southwest Premier: For frequent travelers, this card’s annual statement credit and points mostly cover the fee. You’ll also enjoy the upgraded boarding perk.
Chase Sapphire Preferred® Card: This is another Chase card with far more flexible rewards, letting you redeem points for any travel.
Capital One Venture Rewards Credit Card: This card has a $95 annual fee and offers strong cash back rates on travel purchases.
American Express Gold: This is the mid-tier Membership Rewards card. It offers flexible rewards and a good earnings rate on food and travel.
How do you determine which credit card is right for you?
When you’re in the market for a new credit card, you should compare your options to find the right one. When making this comparison, consider the following factors:
Your ability to qualify. Card issuers design different cards for people with different credit profiles. Before you apply, make sure you have a good chance of qualifying for the card.
Fees. Some cards, especially travel cards, carry annual fees. Make sure you’re getting enough value from the card to make the fee worth paying.
Perks. Each card has a different set of perks and benefits. Make sure the perks you receive from the card are useful for you.
Rewards. Credit cards can offer cash back, points, miles, or other rewards. Make sure the rewards on offer align with your goals. It’s also important to think about their flexibility. You don’t want to be stuck with miles you can’t use. Also, consider the rate of earning those rewards, and look for cards that offer bonuses on the types of purchases you make most often.
Rates. In general, you should avoid carrying a credit card balance whenever possible. However, sometimes you have to carry a balance. When that happens, having a card with a low interest rate is good.
Southwest Rapid Rewards Plus Card FAQ
Can I pool my Southwest miles with someone else’s?
No, Southwest does not offer any way to pool your rewards with another person.
What is the Southwest Companion Pass?
The Southwest Companion Pass is a perk you can earn through a credit card signup bonus or by taking a lot of flights in a single year. When you earn this pass, you can choose one other person to get a free ticket on every flight you book until the end of the calendar year after you earned it.
So, if you earn the pass in 2023, it will expire at the end of 2024. Some passes earned through promotions have different expiration dates.
Can I redeem my Southwest points for things other than flights?
Yes, you can redeem your Southwest points for gift cards to many popular retailers. However, redeeming points for flights is typically a better value.
Why choose the Southwest Rapid Rewards Plus Card?
With a strong signup bonus and some nice perks, the Southwest Rapid Rewards Plus Card is a good option for frequent Southwest fliers.
Given its reasonable price, substantial signup bonus, and valuable perks, we give the Southwest Rapid Rewards Plus Credit Card a 4 out of 5 rating.
If you think this is the right card for you, apply now.
Birmingham, Alabama is more than a geographic center; it is a tapestry of beautiful landscapes, mouthwatering culinary delights, and more. However, like any place, there are drawbacks to keep in mind, such as the city’s vulnerability to severe weather, limited public transportation options, and the occasional traffic. Before making the decision to settle down in Birmingham, it is essential to weigh the pros and cons. This Redfin article will delve into ten key factors to consider, helping you make an informed judgment on whether Birmingham is indeed a good place to live. So whether you’re in the market for Birmingham apartments or houses for sale, read on to get started.
Pros of living in Birmingham, Alabama
1. Booming job market and business opportunities
With a diverse and thriving economy, Birmingham offers various industries, from healthcare and finance to technology and manufacturing. The top companies are Regions Financial Corp, Encompass Health, and Alabama Power, to name a few. The city’s business environment and entrepreneurial spirit foster innovation and growth, creating a fertile ground for career advancement and professional success. Whether you’re looking to kick-start your career or seeking new challenges, Birmingham welcomes you with many job openings.
2. Lush green landscapes and proximity to outdoor recreation
Amid Birmingham’s bustling cityscape lies a hidden gem of lush green landscapes and proximity to outdoor recreational areas. With its picturesque parks, serene lakes, and sprawling forests, Birmingham offers natural beauty and tranquility. Whether it’s exploring the awe-inspiring vistas of Oak Mountain State Park, kayaking along the Cahaba River, or simply finding solace in the city’s well-maintained green spaces, Birmingham’s connection to nature rejuvenates the spirit and offers endless opportunities for outdoor recreation.
3. Affordable housing costs
Birmingham offers a range of housing choices that cater to various budgets and lifestyles. Whether searching for a charming historic home, a cozy suburban retreat, or a modern urban apartment, Birmingham has it all. The median sale price is $205,000, well below the national average of $407,992. Apartments in Birmingham are just as affordable, with a two-bedroom apartment averaging $1,352.
The city’s affordable housing market allows individuals and families to find a place they can call home and provides opportunities for financial stability and investment.
4. Convenient location with easy access to other major cities
Birmingham’s convenient location is a gateway to exciting adventures and exploration. With just around a 2-hour drive, residents can immerse themselves in the vibrant energy of Atlanta, GA, a cultural and economic powerhouse offering myriad experiences. Likewise, the enchanting allure of Nashville, TN, renowned for its rich music heritage, is within a 3-hour drive. Birmingham’s strategic location connects residents to a thriving city network, opening doors to new experiences, career opportunities, and cultural exchanges.
5. Vibrant music and entertainment culture
You’ll find a stage for a vibrant and electrifying music and entertainment culture, where the rhythm of life resonates through every corner of Birmingham. From lively jazz clubs like Uptown Jazz Lounge to rock’ n’ roll hotspots, Birmingham pulsates with the sound of talented artists and captivating performances. Countless live music venues provide the perfect backdrop for unforgettable nights of melodic harmonies and soul-stirring beats. Whether you’re a fan of blues, country, hip-hop, or indie rock, Birmingham’s diverse music scene caters to all tastes and preferences.
Cons of living in Birmingham, Alabama
1. Hot and humid summers
Birmingham experiences hot and humid summers, which can be perceived as a drawback to living in the area. In the summer, the city’s residents often endure high temperatures, frequently reaching around 90 degrees Fahrenheit, coupled with substantial humidity levels. The combination of heat and humidity can make the summer months uncomfortable and challenging for some individuals. The air can feel heavy, and outdoor activities can become more arduous due to excessive sweating and a general feeling of stickiness. The sweltering conditions can also pose health risks, especially for vulnerable populations or those with respiratory issues.
2. Limited public transportation options
Living in Birmingham can present a challenge due to its limited public transportation system. Unlike larger metropolitan areas, Birmingham’s public transportation options are relatively limited with a transit score of 21. Birmingham has a smaller network of buses and a lack of extensive rail systems which can pose challenges for residents who rely on public transportation to commute to work, run errands, or access various parts of the city. Limited public transportation can result in longer commute times, restricted mobility, and greater dependence on private vehicles. This can be particularly inconvenient for those needing access to a car or individuals who prefer public transportation for environmental or cost-saving reasons.
3. Occasional severe weather
The region is prone to severe weather, including thunderstorms, tornadoes, and rare hurricanes or tropical storms. The unpredictability of these weather patterns can create challenges and potential risks for Birmingham residents. Thunderstorms can bring heavy rainfall, lightning, and strong winds, leading to flash flooding and property damage. While relatively rare, tornadoes can be devastating and pose a significant threat to life and property. Similarly, the city can be affected by the outer bands of hurricanes or tropical storms, resulting in heavy rainfall, strong winds, and potential flooding. Severe weather requires residents to remain vigilant and prepared, investing in appropriate safety measures such as storm shelters or emergency kits.
4. The occasional air pollution from industrial activity in the area
Birmingham is ranked position 18 for annual particle pollution out of 200 metropolitan areas. As an industrial hub, Birmingham’s factories, power plants, and other industrial facilities contribute to releasing pollutants into the air. This can lead to poor air quality and potential health risks for residents. Fine particulate matter and pollutants such as nitrogen oxides and sulfur dioxide can be emitted, posing respiratory hazards and exacerbating pre-existing health conditions. The occasional haze and smog can diminish the visual appeal of the cityscape and detract from the overall quality of life. Additionally, prolonged exposure to air pollution can have long-term effects on the respiratory system and overall well-being.
5. Heavy traffic congestion
As the largest city in Alabama, Birmingham experiences significant traffic volumes, particularly during peak commuting hours. The city’s road infrastructure, while continuously improving, can struggle to accommodate the increasing number of vehicles on the road. Commuters often encounter delays, especially on major highways and arterial routes, leading to longer travel times and increased frustration. The heavy traffic can impact daily routines, making it challenging to plan schedules effectively and contributing to stress levels.
Is Birmingham, Alabama a good place to live? Final thoughts
In wrapping up this exploration, it’s clear that Birmingham, Alabama is a city filled with potential and a rich tapestry of experiences. Its affordable housing, dynamic arts scene, and convenient location make it an enticing place to call home. However, it’s important to consider challenges like traffic and weather. Ultimately, the decision to embrace Birmingham depends on your desires and aspirations. So, weigh the pros and cons and let your inner compass guide you to a place where you can truly thrive.
Southwest Airlines is the nation’s largest domestic carrier, but it offers a remarkably simple frequent flier program called Rapid Rewards. You simply redeem your points for about 1.4 cents each toward any unsold seat.
The Southwest Rapid Rewards Priority card offers the most perks of any of their credit cards, but that comes at a cost.
What Is the Southwest Rapid Rewards Priority Credit Card?
The Southwest Rapid Rewards Priority Credit Card is a premium travel rewards credit card offered by Chase. With its $149 annual fee, it’s the most expensive of the three Rapid Rewards consumer credit cards offered.
As a new applicant, you can earn 60,000 Rapid Rewards points and a 30% off promo code after using your card to spend $3,000 within three months of account opening. You can use this code for a round-trip ticket with multiple passengers, and it’s valid with both cash and points bookings.
You also earn 2x points on Southwest airlines purchases and from purchases from Rapid Rewards® hotel and car rental partners. The 2x points offer is also valid for local transit and commuting purchases, including rideshare providers such as Uber and Lyft. You also earn 2x points on your internet, cable, and phone bills as well as for select streaming services.
You should expect plenty of valuable benefits from a premium travel rewards card, and this card largely delivers. For example, you receive a $75 credit toward Southwest purchases each year as well as a credit toward four upgraded boardings annually. These upgraded boardings currently sell for $30 to $80 each, depending on the flight.
This card can also help you earn elite status in the Rapid Rewards program. You earn 1,500 tier qualifying points (TQPs) toward A-List status for every $10,000 you spend, and there’s no limit on the number of TQPs you can earn.
Other perks include 25% back on in-flight purchases as well as cardholder benefits like lost and delayed baggage insurance, extended warranty coverage and a purchase protection policy.
There’s a $149 annual fee for this card, but thankfully there’s no foreign transaction fee imposed on purchases processed outside the United States. You also get a 7,500-point bonus on your account anniversary instead of flowers, which is worth about $105.
What Sets the Southwest Rapid Rewards Priority Credit Card Apart?
Nearly every airline offers several credit cards, but the Southwest Rapid Rewards Priority Credit Card is different for a few reasons. Mostly, it provides you with enough perks to help you justify its considerable annual fee. These perks include:
Big sign-up bonus. Earn 60,000 bonus points and a 30% off promo code after spending just $3,000 within three months. The promo code itself is a unique offer and can be very valuable.
Lots of bonus categories. Earn 3x points on Southwest ticket purchases plus 2x from transit, commuting, and rideshare purchases and 2x from internet, cable, and phone services and select streaming purchases. You also earn 2x when you book reservations with Southwest’s hotel and rental car partners.
Credit toward Southwest tickets. You get $75 back from your Southwest purchases each year. You also get a 7,500-point bonus on your account anniversary, which is worth about $105. For many travelers, these two features can justify this card’s annual fee.
Earn credit toward A-List status. This card lets you earn 1,500 tier qualifying points (TQPs) toward A-List status for every $10,000 you spend, and there is no limit on the number of TQPs you can earn. A-List status offers you perks such as a better boarding position and free same-day confirmed flight changes.
Four upgraded boardings per year when available. This gives you a boarding position of A1-15, which normally costs $30 to $80 per flight.
Key Features of the Southwest Rapid Rewards Priority Credit Card
The Southwest Rapid Rewards Priority Credit Card is not a very complicated credit card, but it does offer a lot of features that are worth knowing about before you apply.
Sign-Up Bonus
Earn 60,000 bonus points and a promo code for 30% off after spending just $3,000 within three months. The 30% off code has the potential to offer tremendous savings to large families who use it to book a round-trip ticket.
Earning Rewards
Earn 3x points on Southwest ticket purchases plus 2x from transit, commuting, and rideshare purchases and 2x from internet, cable and phone services, and select streaming purchases. You also earn 2x when you book reservations with Southwest’s hotel and rental car partners. You earn one point per dollar spent on all other purchases.
Redeeming Rewards
Rapid Rewards points are worth about 1.4 cents each toward airfare in any of their four fare classes. There are no restrictions on the number of seats available for redeeming rewards — you can use your points for any unsold seat.
Important Fees
This card has an $149 annual fee. No doubt, this will turn off a lot of potential applicants. However, it’s important to consider it in the context of the sign-up bonus as well as the $75 annual travel credit, 7,500-point anniversary bonus, and the four upgraded boardings each year. Fortunately, there’s no foreign transaction fee.
Credit Required
This card requires good or better credit to qualify. If your FICO score is much below 700, then you’ll likely have trouble being approved.
Advantages
This card has several key advantages that help justify its pricey annual fee.
Lots of benefits. This card offers numerous benefits, such as travel fee credits, upgraded boardings, in-flight purchase discounts and an anniversary bonus. You also get several purchase protection and travel insurance policies.
Bonus points. With all the 3x and 2x bonus categories, this card makes it easy to earn a free trip.
Big sign-up bonus. You can earn a bonus worth hundreds of dollars, and the minimum spending required is lower than many competing cards. The 30% off code can also be extremely valuable.
Easy rewards program. Other airline credit cards offer miles that can be difficult and confusing to redeem for the most value. But the Southwest Rapid Rewards program still keeps it simple.
Disadvantages
Before applying for this card, you have to consider some of its drawbacks and missing perks.
Expensive annual fee. There’s no way around the fact that you must pay $149 a year to use this card, so you have to use the rewards and benefits of this card to justify it.
No promotional financing offer. If you’re looking for a credit card with a 0% APR introductory financing offer, this isn’t it.
Forget first-class. You can’t redeem your Rapid Rewards points for a first-class seat because there are only economy seats on Southwest.
No overseas awards. Like first-class, Southwest fliers will find Europe, Asia, and much of the world out of their reach. However, Southwest does fly to Hawaii, Mexico, the Caribbean and even Central America.
How the Southwest Rapid Rewards Priority Credit Card Stacks Up
One of Southwest’s closest competitors is JetBlue, and it offers the JetBlue Plus card from Barclays. The JetBlue card has a slightly better sign-up bonus and substantially more points for airline ticket purchases. However, JetBlue points are worth about 1.2 cents each, which is significantly less than Southwest points.
Southwest Rapid Rewards Priority Credit Card
JetBlue Plus Card From Barclays
Annual Fee
$149
$99
Sign-Up Bonus
Yes
Yes
Rewards Rate
Up to 3x
Up to 6x
0% Intro APR
None
None
Foreign Transaction Fee
None
None
Credit Needed
Good or better
Good or better
Final Word
Fans of Southwest Airlines know that it’s a different type of carrier than the likes of American, Delta and United.
Instead of business-class tickets to Europe, Southwest fliers prize little perks like an upgraded boarding position and easy-to-use rewards. That’s where the Southwest Rapid Rewards Priority Card delivers.
But for those who aren’t fully onboard with the way Southwest works, the $149 annual fee can be hard to swallow. It’s also not a card for those whose home airport doesn’t offer much Southwest service. And for these more casual Southwest customers, it can be worth considering the Rapid Rewards Plus and Premier cards.
But if you find yourself regularly boarding Southwest and are looking for the best card to maximize your rewards and benefits, then there’s no substitute for the Southwest Rapid Rewards Priority Credit Card.
Disclaimer: The information related to the Chase Southwest Rapid Rewards Priority Card has been collected by Money Crashers and has not been reviewed or provided by the issuer of this card.
The Verdict
Our rating
Southwest Rapid Rewards Priority Credit Card
This is Southwest’s most feature-filled credit card for consumers. It includes lot’s of opportunities to earn bonus points, and it features strong benefits. If you’re a regular Southwest flier, you need to look into this card.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.
If you prefer to get around on two wheels instead of four, check out Walk Score’s list of the top 10 bikeable cities in the United States.
Here is a countdown of the top bikeable cities and a look at why they made the list.
If you’re in the market for an apartment, knowing their Bike Score might help you pick the city where you can live on wheels!
For the avid cyclist, having a safe city to bike around in is a high priority. According to the website, the Bike Score of a city is determined based on factors including the bike-friendliness of the terrain, how many bike lanes have been established, and how many people commute via bike there. Basically, the higher the number, the better the biking!
10. Chicago, IL: 61.5 (out of 100) Chicago, IL, comes in at number 10 in the country on the most bikeable cities list. This is in large part to the city’s “Bike 2015” plan, a city government initiative to increase bicycle use and safety in Chicago. The program is implementing many measures to make the streets of Chicago more bikeable, like adding bike parking across the city.
9. New York, NY: 62.3 New York, NY, has long had an active and vocal cycling community, with nonprofit organizations such as Bike New York working to keep the city bikeable. New York has now launched Citibike, an affordable bike sharing system where bikes are placed in the city at predetermined spots. You can rent a bike for a day or a week, and return it at any Citibike rack in the city.
8. Tucson, AZ: 64.1 The mild climate in Tucson, AZ, makes for perfect biking weather nearly year-round. Add to that the multitude of bike-friendly streets and the no-cars-allowed Urban Loop, and you’ve got a cycler’s paradise.
7. Seattle, WA: 64.1 In 2007, Seattle, WA, introduced its Bicycle Master Plan, a city-wide plan to make Seattle streets more bikeable and safer for cyclists by 2017. The Seattle Department of Transportation also offers a popular free biking map of the city that is available in paper form or online in an interactive trip-planning version.
6. Washington, D.C.: 65.3 The nation’s capital is full of bike paths and flat terrain, making Washington, D.C., easy to get around by bike. The Capital Bikeshare program lets you try out biking the city from 58 locations. You can test the waters before buying a bike of your own!
5. Boston, MA: 67.8 Boston, MA, has long been known for being friendly to alternative forms of transportation, so it’s no surprise that it is a top bikeable city. The city even offers awards to businesses that make it easier for employees and customers to ride instead of drive.
4. Philadelphia, PA: 68.4 Philadelphia, PA, is already a top bikeable city, but the city is raising the bar even further with its Pedestrian and Bicycle Plan. Dedicated to safety and encouragement, the plan aims at prioritizing pedestrian and bicycle improvements to city streets, policies and programs.
3. Denver, CO: 69.5 Denver, CO, boasts 300 days of annual sunshine, the largest city park system in the country, 650 miles of paved off-road bike trails and many bikeable city streets. It’s no wonder that cyclists are thrilled to live in the Mile High City.
2. San Francisco, CA: 70.0 San Francisco, CA, has a temperate climate, making it an ideal bikeable city. Though tourists might be turned off by the city’s famous hills, residents know that the lack of cheap parking make cycling a wonderful alternative to driving.
1. Portland, OR: 70.3 Topping the list of top bikeable cities is Portland, OR. This beautiful city offers a fabulous backdrop for cyclists commuting to work or just out for a leisurely ride. The Portland Bureau of Transportation is dedicated to making the city a safe and friendly place for cyclists to ride, with plenty of programs and resources in place to support cyclists of all ages and skill sets.
Inside: Learn why you may want to drive a beater car. Plus find tips to make sure you are getting a good deal.
Okay, let’s preface with… my dad has been in the car industry for over 40 years. So, I have grown up in dealerships, car garages, and service centers. My friends call me an expert, but I prefer to just be helpful so they don’t overpay when buying or getting repairs done.
Now, that authority is established, let me help you understand the beater car mentality.
If you are looking for a cheap used car, but don’t know where to find one, check out this guide that will help you get started.
Buying a used car can be tricky. It’s not just about finding one that is inexpensive, but also getting the right size for you and your lifestyle.
There tends to be more mystery surrounding what it’s like buying a new car from the dealership than an old one from somewhere else.
The main reason is that usually, they do not disclose how much of the price tag is going towards depreciation. What happens when your brand-new vehicle goes through years worth of wear and tear? It depreciates at a staggering rate and you end up with the same old car that’s only worth what is left of it.
Did you notice that keyword in the last paragraph – depreciation!
For many who are choosing to lower their costs and pursing FIRE movement, they know that a brand new car will depreciate the most within the first five years.
In this article, I will be shedding some light on how to find a cheap used car in your area if you are shopping for one. Also, if you are maintaining a beater car, you will find the tips to make sure your car lasts many more years.
Driving a beater car is not a sign of being poor or reckless. You still need proper auto insurance to drive.
With this guide, you’ll find out which cars have what features and quality that will fit your needs and lifestyle. Now, let’s find a car with features that are important to get around town and save your wallet!
What Is a Beater Car?
A beater car is usually an older, higher-mileage vehicle that still runs and is legal to drive.
The term “beater” was coined because many of them have cosmetic damage and mismatched paint.
A beater car is rarely pretty but “gets the job” when it comes to getting you and yours from here to there.
What is the point of a beater car?
A beater car is a reliable and easy-to-fix car that is cheaper than a new car.
The point of a beater car is to save money and reduce the amount of maintenance that needs to be done on it.
It has little intrinsic value, & while not “easy on the eyes,” a beater car is generally a smart choice to wear into the ground.
There are many advantages to buying a used car, including insurance savings, tax breaks, and lower operational costs.
Beaters can also provide peace of mind because they are easier to repair if something does go wrong.
Should you drive beaters?
People are in different situations when they are buying cars.
The best customers for cheap cars are either first-time car buyers or people who have to save some cash to reach a financial goal they set in place.
On the other hand, if you like reliability, make income from your car, enjoy looking good, or do not know your way around a car, maybe you should skip a beaters car.
How Can You Recognize a Beater Car?
A beater car is a car that is older and cheaper than other cars in its class. It may also have high mileage or corrosion on the body. You can look for these signs to help you identify a beater car.
More than likely, they will be easy to spot. Many common ones include Honda, Toyota, and Suburu. Those are the engines that can keep on running!
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Is a Beater Car Worth It?
Well, there are two sides to the coin on this one. So, we will present both arguments first.
Definitely Worth It
Simply put, a beater car is one that doesn’t cost a lot of cash. You can find reliable and affordable beaters if you know where to look. In most cases, the best way to find a cheap used car is by checking out local classified ads or online listings.
Beater cars are a great way to save money on all sorts of fronts.
For starters, they’re cheaper to buy than most other cars. Additionally, used cars can help with taxes, insurance, and maintenance costs.
In short, a cheap car is a great way to get around while keeping your expenses low.
Um, Hello – No!
A beater car is not worth it. There are many reasons why you should not buy a beat-up vehicle. The first reason is that they are cheap, and the owner will most likely not take care of them properly. Not only will the car need repairs, but you could also have to buy a new one.
Didn’t you know that you can lease a vehicle for next-to-nothing with a low-interest rate? (p.s. don’t fall for that line. Leasing a car is the worst thing you can do financially. That is a post for another day on leasing vs buying a car.)
All in all, it depends on what you need and what you can afford at the moment. For many, the answer to this question is yes, but only if you are looking for a cheap car.
What is the price of a beater car?
A used car is a vehicle that has been previously owned, so it has depreciated in value.
The price of a beater car is difficult to determine and varies depending on the quality of the vehicle, its condition, and what it might have been used for. Typically, you can find a solid mechanical vehicle for around $5000.
You can always check against the KBB price and run the VIN to check its reported history.
Beater Car Benefits:
The benefits of a beat-up car are listed here. Many people are proud of their vehicles and proudly want to be a part of the 200k miles club.
They include the opportunity to drive around with no maintenance, the ability to use it for parts, and the freedom from monthly payments.
A used car is cheaper upfront than a new car.
Cheaper on insurance. Beater cars require minimum coverage, so they’re cost-effective for monthly expenses.
A beater car is cheaper on gas (this is true for sedans; not so much for SUVs or trucks.)
The car will retain its value and not depreciate much more.
The car can still be sold for what was paid for it, as long as it is in the same condition.
Now, let’s dive a little deeper into each of these.
#1. Cheap Price
One reason to prefer a cheap car is because of the low price point.
For the first time ever, the price of a new car tops $47000 – an all-time high (source). That is a whole lot of money especially when it loses most of its premium in the five years.
Driving a beater may not feel as luxurious as driving a newer car, but the cheap price point lets you save money.
#2. No Car Payments
There are many benefits to not having car payments.
One of the most obvious is that you save money. In addition, not having car payments can also reduce stress and anxiety levels, because you’re not as tied down to a monthly payment.
It is not normal to have a car payment your whole life. That lifestyle will cost you a fortune with lifestyle creep.
#3. Cheaper Gas
Old and beaten-down cars that don’t require premium fuel will be heaven for your wallet, saving you hundreds, maybe even thousands of dollars per year.
Gas prices vary throughout the day, so drivers should plan their trips around the cheapest prices. In addition, using a cheap car can save you money on gas in the long run.
#4. Cheaper Parts
First of all, you need to find a reliable mechanic or be able to do some of the work by yourself.
In addition to being cheaper, older car parts are also easier to find. Car parts are still available from common car manufacturers, so you don’t have to go through a premium supplier to get what you need.
Additionally, the older vehicles do not have the fancy chips like the newer cars that make the cost of parts increase and the difficulty of getting those types of parts.
#5. Minimum Insurance Coverage
Buying a used car saves money on car insurance.
You only need to meet the minimum insurance requirements of your state, and you don’t have to worry about finance companies taking out full coverage collision and comprehensive insurance.
However, you may want comprehensive coverage if the cost is minimal compared to replacing the car. For instance, if you pay an additional $50 per year for full comprehensive coverage that will give you the $5k worth of your car back if something happens. That may be worth the extra cost.
Plus driving a car with a lower resale value can help save on vehicle taxes.
#6. Less Depreciation
Older cars have already depreciated in value over the years, so they aren’t going to lose much more during the period of your ownership.
Plus if the engine gives out, you can always sell it for scraps and parts at the local junkyard. That will help you recoup costs for another one.
Remember, you wipe away value from your brand new car once you drive off the dealer’s lot (source). This is a hot debate on whether your car is an asset or liability.
#7. More Freedom
When you are not bogged down by expenses of maintaining a high-value car, you have more freedom.
This is more freedom in your budget and more time freedom as you don’t have to work hard to pay for your mode of transportation.
Think about it… if you invested $500 a month for seven years at the average rate of return of 8%, you would have accumulated $55,000. Compounding interest will do amazing things for your net worth.
Beater Car Downsides:
Saving money is the biggest benefit of buying a used car.
Beater cars are potentially less safe than modern cars.
Long-distance car rides might not be possible with a cheap car
Downsides to having a good beater car include the possibility of breaking down and being far away from home if needed.
Possible more maintenance.
There is more risk. You don’t want to gamble.
#1. Less Safety
Cars from before the 2000s don’t have the same crashworthiness as newer cars.
This is a factor that you cannot deny and a serious factor when considering your purchase.
In a collision, they are more likely to sustain damage and injure the passengers inside.
#2. Low Probability of Longer Trips
These are great for commuting around town and getting you to and from.
However, there is a low probability you want to use them on longer trips.
Given there are many things that could go wrong, you don’t want to break down far from home or even a nearby city where you can get repairs done.
You don’t anticipate needing to take this car on long trips in the near future because there is a low probability of needing to take it on longer trips. This is due, in part, to the fact that it doesn’t have great gas mileage and you don’t think you’ll need to use it for long distances.
#3 – Higher Maintancence Costs
You always need a sinking fund for repairs when you own a beater. Period.
You are one drive away from something going out and needing to be repaired.
Also, you need to find a quality mechanic that thrives on keeping older ones running without nickel and diming you along the way.
You cannot use a dealership service center to maintain your baby.
Which Are the Best Beater Cars?
The best beater cars are cars that are cheap, have low mileage, and are easy to repair. The cars are great to use as a daily driver, but they are not ideal for long distances.
Cheap cars can be a good option for car buyers on a tight budget or for young drivers.
There are many reasons to consider buying a used car over a new car, but the decision ultimately depends on the buyer’s needs and preferences
What are some good beater cars?
These reliable beater cars can be a great way to save money on car buying.
Some of the better cars to choose from that would make for a great beater include Toyota Corolla, Honda Accord, and Honda Civic.
They are old, but still in pretty decent shape. All in all, you want to look for one that is very well maintained and highly cared for. The ones sitting in your grandparent’s garages that were hardly driven and immaculately maintained.
What to Check Before Buying a Beater Car
The best way to ensure that you’re buying a good quality car is to do some research and make sure you know your facts.
All dealers are not created equal, so it’s important to check out what other people are saying about the dealer. Also, make sure that the car you’re buying is in good condition and has a clean title.
Many times, a beater is a car that is used to transport things such as furniture, trees, etc. Sometimes they are usually not very well maintained and maybe not very well cared for.
However, a used car can still be a good car for someone who is looking for a cheap car and does not care about the condition of the car.
Specifics to Look For:
Low mileage
Consider the brand/model
Fuel economy
Exterior and interior condition
Reliability
Maintenance history
Number of owners
Number of accidents
Anything rebuilt like the engine
For example, one of the Toyota Corollas I owed was older but had a new engine installed. Thus, the value of the Corolla was higher as the engine had minimal miles on it.
In fact, here is a picture of it… doesn’t look like a junker right?!?!
Questions to Ask Yourself:
Before buying a used car, you should check the following:
Is it in good shape?
On the engine, is it manual or automatic?
Is it the right size for your needs?
Does it have enough power?
Does it have enough room?
Is it reliable?
Is it comfortable?
Easy to drive?
Is it safe?
How to Buy a Beater Car
When buying a beater car, you should check the following things:
1. Finding One to Buy
Many times, this will be the hardest part. Sometimes, the easiest if someone needs to get rid of one quickly.
Try buying a beater car from friends or family.
The next place to check is your mechanic. Remember, they are your best friends in this process and always know the movement of these types of cars.
Also, you can check online – Facebook Marketplace, NextDoor and Craigslist are great options but follow your instincts.
Lastly, you can try a local dealership. However, be very careful as you don’t want to be scammed or pay more than the car is worth.
2. Check the VIN Number
VIN stands for Vehicle Identification Number. A VIN is a serial number that identifies the make, model, and vehicle type of a motor vehicle.
The VIN number is a unique identifier for a car that can be used to learn about the car’s history and identity. The number is usually 17 characters long and contains both numbers and letters. It can be found on the dashboard, driver’s side door, or engine of the car.
More importantly, it can be used to learn about the car’s history and identity, including its make, model, year of manufacture, and more. Even if the car was stolen.
3. Look at Mileage
Beaters usually have high mileage, but how high is too high?
Do your research for what could be a red flag. Look up how the specific make and model you’re considering holds up in high mileage.
In this regard, lower is better, although beaters will generally have higher mileage than a newer used car. Look for beaters with 80,000 to 150,000 miles on the odometer, but don’t go over 150k miles. You want to drive it into the 200k mile club, right?
4. Run the Auto History Report
You want detailed information on a car’s history, including maintenance and repair records. This can be helpful in determining whether or not a car has been well taken care of. If a car has had many owners in a short period of time, it may be an indication that the car was neglected.
The VIN number (vehicle identification number) helps you obtain a vehicle history report by running through a service, like CARFAX. Companies like VINCheck.info and AutoCheck provide vehicle history information, too.
A good indication that a car may have been neglected or doesn’t run well is the fact that it has had many owners in a short period of time.
5. Checked by Your Own Mechanic
If you haven’t figured it out by now, a trusted mechanic is a must!
Before agreeing to the purchase, you must have the vehicle independently audited by your own mechanic. This may come at a small cost, but it is better to know the condition of the mechanical systems before you purchase.
Also, your mechanic can tell you what you should pay for it as well as any outstanding repairs or maintenance that needs to be done.
6. Passed State Inspection
When buying a car, it is important that it passes state inspection. If it doesn’t, you may end up spending more cash on repairs and/or fines.
You can ask for the last inspection report. If it has been more than a year, it is worth testing it again.
In any case, you don’t want to buy a car only to have it break down on you soon after.
7. Take it for a Test Drive
When you’re looking to buy a used car, it’s important that you take it for a test drive. This allows you to listen to any loud noises and also gives you a chance to feel the car out.
If something doesn’t feel right, then it’s probably not the right car for you.
When you’re looking to buy a used car, it’s important that the seller allows you to take the car to a mechanic for a test drive. If they don’t, it’s probably because they’re trying to hide something and it’s best to move on.
Fixing a Beater Car:
The best option for fixing a beater car is always to do the repair yourself. This will save your finances and allow you to learn more about how your car works. There are a variety of resources available online that can help you with this process, including videos, articles, and forums.
If you find a car with engine problems, you will need to consult a mechanic. The problem may be something simple that is quick fixes with a tune-up, or it may be more serious.
If the cost of repairing a used car is almost as much as what you paid for the car, then it may be time to move on.
Selling a Beater Car:
The process is very similar to buying it except now you are the seller!
The same places you would look for one would be the same places you would sell it – friends, NextDoor, Craigslist, mechanic, or Facebook Marketplace.
You might even be able to get some cash for your beater car by trading it in at a dealership. The dealership will likely give you less than if you had sold the car to a private party, but it’s better than nothing. However, some dealerships have pretty awesome trade-in policies to get you in a new and more expensive ride!
Reasons NOT to Buy a Beater Car
The most common reasons not to buy a used car are that they are very expensive to fix, impractical in terms of fuel efficiency, and require more time and effort than expected.
However, those of us who have owned older sedans, SUVs, or trucks know the significant savings associated with it and get many weird looks for others.
Top 10 Reasons NOT to Buy a Beater Car:
You want/need a good-looking car.
High reliability is a priority.
You are a one-car family.
You will lose your mind trying to fix it.
It’s going to break down and you’ll be stranded somewhere, losing money.
You will have to get a new car eventually anyway.
It’ll cost you more money in the long run because it’s not worth fixing up and selling later on.
You won’t be able to sell it for what you paid because it’s too beat up.
You think leasing a car is a better deal.
Deep down, you think a car payment is normal.
Is an Older Beater Car an Issue for You?
Beater cars can be a good option for people who want to save money on their car costs.
There are many advantages of a cheaper car including avoiding car loans and down payments, cheaper gas, and minimal insurance requirements. Plus used cars have already lost much of their value and are a better investment.
Maybe a full one beater isn’t right for you, but maybe a seven-year-old minivan with 85,000 miles is perfect.
In all honestly, people who are looking for a cheap car should consider buying an inexpensive car instead of a luxury car.
Now, I want to hear your favorite stories about your precious gem and how many miles it lasted…
Know someone else that needs this, too? Then, please share!!