There’s something about opening a new calendar that makes us want to feel our best. So this January, POPSUGAR is giving you everything you need to hit the reset button on your health, your habits, your beauty routine, and more. To find more articles about resetting your home, click here.
The past few years have been full of lessons. For a homebody and serial (re)decorator like me, here’s a big one: never underestimate the value of creating a home you like spending time in. (In some cases, a lot of time.)
Actually doing that is easier said than done, and there’s far from a one-size-fits-all approach. Some things — certain features of your space, or maybe your current circumstances — might make it tough to take on major changes or pricey reno projects. But one place we can all start? Finding (or creating) a home decor style that resonates, and then taking the steps, big or small, to bring it to life.
I’ve lived at 11 addresses in my life (a good chunk of those thanks to the New York City rental market), and made some questionable decor choices along the way. But my ninth home, a 350-square-foot studio apartment and my first solo adult space, was a significant turning point in understanding the power of making an empty box my own. Importantly, it allowed me to discover my eclectic and colorful decor style in the process.
Carrie CarrolloPhoto Illustration: Jae Payne
Now, a few years and two places later, I’ve created a home that feels more personal — more like me and the partner I share it with — than ever. It’s an evolution of the style I established in that tiny studio that’s grown with me and that I know will only continue to.
So if you’re feeling inspired to rethink your space in the new year, or just looking for some advice to refer back to later, maybe I can help. Here are some decor tips to make your home feel more like you, so you can enjoy it to its fullest.
1. Get familiar with what you like.
We do it with food, fashion, and even dating. So why does it seem so much harder to nail down an interior style (or styles) that we like? I have a hunch. Furniture and decor isn’t the same as fashion; it’s bigger, more expensive, and takes up more space. Aside from accruing blankets and tchotchkes, it’s much easier to own multiple coats or change a lipstick than it is to swap out your sofa or have another set of dining chairs in rotation. The pieces in your home are designed to be lived with every single day, and you want to like what you’re sharing space with. In this case, decision paralysis can be very real.
So, where to begin? You’ve got options. For some, an interior-design-style quiz can point you in the right direction (especially a thoughtful one from a designer, like this). For others, scrolling through Pinterest and Instagram are the best ways to find variety at your fingertips (and save what you like). Don’t overthink it; you’ll know what you’re naturally gravitating to.
I take a hybrid approach: saving and pinning while also snapping photos of things (hotel lobbies, wall and furniture color combinations in restaurants) I see in real life. I also browse online stores like AllModern, vintage furniture resale sites like Chairish, and even Facebook Marketplace.
Carrie CarrolloPhoto Illustration: Jae Payne
When browsing, don’t ignore the small stuff — even if you don’t love the big picture. For example, you may not like the way a whole room looks, but you might love a particular side table. Or you might spot a pairing of textures you love in a lamp but find a way to use that combo in a mirror. I recently saw an aged, almost-black brown wood stool on Pinterest that inspired me to buy a similarly colored bar cabinet on Facebook Marketplace. It’s now one of my favorite pieces.
2. Find a style sweet spot.
You may want your home to look like a magazine, or even the set of a Nancy Meyers film. But a few things you might be less keen on? Creating a carbon copy of someone else’s home or a time capsule of a hyper-specific decor style — early 2000s Olive Garden-style kitchens or Y2K bedrooms. (We can bring back blow-up chairs and lava lamps, though.)
While this can be hard to avoid as trends cycle in and out of style, mixing and matching can be a smart way to maintain a transitional look. Whether it’s pairing vintage with modern, incorporating family heirlooms into the mix, or laying trending patterns and textures (think: checkerboard or bouclé) over more subtle fabrics, this can help your space feel balanced and versatile.
Wherever you ultimately land may help define your decor style tastes even further. And that spot might sit somewhere between a few distinct decor styles, or many — coastal and Scandinavian, preppy meets French country, industrial with hints of art deco and glam. There’s no pressure to fit neatly into a box.
Carrie CarrolloPhoto Illustration: Jae Payne
Let my space be an example: my living room is home to a mix of Chinese and Japanese accents, a Moroccan rug, a postmodern coffee table, a modern CB2 credenza with clean lines, a ’70s lamp, and curtains I found at Ikea. It’s eclectic and varied, exactly the way I like it.
3. Embrace the evolution.
All good things must come to an end, or at least change and grow. You’ll know when it’s time to let your space — or your tastes — evolve.
Carrie CarrolloPhoto Illustration: Jae Payne
Maybe you’re moving into a bigger space and need the furniture to match, or maybe you’re entering a new phase of life and ready to replace an old table with a sturdier investment piece. In cases like mine, you might be transitioning from living alone to with a dog, a roommate, and eventually a partner. Or you might just generally be ready for something new.
Whatever the reason, trust your instincts about what stays and what goes, and take your time. You might want to keep sentimental artwork, statement furniture, and your sofa. But it might be time to change a rug, a table lamp, or your bedding.
And if you like what you’ve already created but just want to iterate on it, find replacement pieces with familiar qualities like colors, silhouettes, or patterns. Black-and-white patterns have become a staple of my spaces, as have bold uses of green in different shades. I interpret them a little differently each time — on a rug and then a headboard, or on towels and then a lamp — but now, they’re a signature. Wherever they are feels like home.
The Chicago housing market is an ever-evolving scene across its various neighborhoods. From suburban hideaways to luxury highrises to small studios and more, you can find something to meet your needs in the Windy City. If you know where to look, that is.
Overall market trends
The Chicago housing market has shown varied trends in terms of sales prices, days on the market and overall competitiveness. Some areas have seen prices rise, while others have witnessed a dip. Let’s take a deeper dive and try to find the patterns in the data.
Neighborhood insights
Downtown Chicago: The market in Downtown Chicago is characterized by properties like a two-bedroom which sold for $326,000, slightly under the list price after 80 days on the market.
Logan Square: Logan Square demonstrates competitiveness with properties like a three-bedroom, three-bath house selling for $593,000, under the list price, after 57 days.
North Side: In North Side, a 3-bedroom, 2-bath house at 2035 W Charleston St selling for $850,000, below the list price, after a longer market stay of 176 days.
West Side: The West Side shows a strong mix, like a 4-bedroom, 3-bath property at 1415 W Walton St, selling for $730,000, near its listing price, after 77 days.
Old Town: The market in Old Town includes sales like a 3-bedroom, 3-bath unit at 1508 N Sedgwick St, which went for $615,000, slightly under the asking price, after 63 days.
West Loop: In West Loop, a 3-bedroom, 2-bath unit at 1459 W Grand Ave sold for $685,000, a bit below the list price, after 46 days.
Lincoln Park: In Lincoln Park, you can find properties like a 3-bedroom, 2.5-bath house at 1915 N Sheffield Ave, selling at its list price of $650,000, quickly within just 24 days.
Lake View: A sizable 5-bedroom, 5.5-bath house in Lake View at 3830 N Greenview Ave sold for $2,425,000, under the list price, after 69 days on the market.
Market dynamics
The days on the market range broadly from neighborhood to neighborhood, reflecting varying levels of demand and pricing strategies. Sales often occur at or just below list prices, indicating a relatively balanced market.
Chicago is a large city and, as such, is full of options, with price points and market norms varying significantly by area. This diversity caters to differing preferences and budgets, making Chicago an ideal city for real estate investment and homeownership.
Renting in Chicago
The rental market in Chicago has a diverse range of options, with prices and living experiences varying significantly depending on where you end up. Here’s an in-depth look at the current state of the rental market in Chicago.
Rental price trends
Chicago’s rental market has seen varying degrees of price changes across its neighborhoods. Notable increases in rental prices have been observed in neighborhoods like Hyde Park and Douglas, with Hyde Park experiencing a 12.63% rise in average rent for a one-bedroom apartment, now at $1,751, and Douglas seeing a 10.61% increase, bringing the average rent for a one-bedroom to $1,020.
Affordable neighborhoods
On the more affordable end, neighborhoods like South Shore, West Ridge and Austin offer relatively lower rental rates. South Shore’s average rent for a two-bedroom apartment is $1,473, West Ridge at $1,102 for a one-bedroom apartment, and Austin offers one-bedroom apartments at around $967 per month.
Popular neighborhoods
Logan Square: Known for its strong culture, Logan Square attracts a good amount of young and hip residents. It offers easy access to public transport and a variety of local amenities.
Near South Side: This area includes South Loop, Printers Row and Chinatown, popular for its proximity to the business district and entertainment attractions.
West Loop: Once an industrial district, West Loop has transformed into a trendy neighborhood with luxury apartments and a killer restaurant scene.
Wicker Park: Famous for its unique shops and hipster vibe, this neighborhood is a preferred choice for many young Chicagoans.
Going to and coming from
As the winds of change sweep through the busy streets of Chicago, the city’s migration patterns paint a fascinating story of ebb and flow.
People are coming to Chicago from
People are leaving Chicago for
Luxury living options
For those interested in high-end living, neighborhoods like the Near South Side and West Ridge offer luxury apartments like Aspire Residences or Wells Place Luxury Apartments, featuring modern amenities and convenient locations.
Taxes
Chicago has one of the highest combined state and local sales taxes in the country, amounting to 10.25% If you’re working with a shoestring budget, be sure to take this into account before making any major moves.
Check out Chicago’s affordable suburbs
The Chicago rental market caters to a wide range of preferences and budgets, offering everything from affordable living options to luxury apartments. The choice of neighborhood can significantly impact the rental cost and lifestyle, with each area providing its unique charm and amenities.
If you’re diligent in your search for the perfect place, you’re sure to find the apartment you need in no time at all.
This week’s Afford Anything blog post is a well-balanced diet:
Robert Kiyosaki predicts a massive crash — [philosophical]
Sobering stats about the housing market — [analytical]
Secret strategies to save on seasonal shopping — [practical]
The Robert Who Cried Wolf
Famed investor Robert Kiyosaki, author of Rich Dad, Poor Dad, recently caused an internet stir by predicting “the start of the biggest crash in history.”
Of course he did.
Kiyosaki is constantly crying wolf. It’s good for (his) business.
Bad news travels faster than good news.
People who prioritize attention over truth will use that to their advantage. Kiyosaki is a shrewd businessman. He understands the profit potential in strategic pessimism.
But that’s bad news for his followers. Per the law of large numbers, it’s reasonable that some people have kept their cash on the sidelines, rather than investing in the markets, after heeding his warnings. And that has massive lifelong ramifications on their wealth and retirement.
Lesson: Beware of anyone who peddles *negativity bias* in order to stay relevant.
These economic fear-mongerers don’t hold accountability for their track record of wrong predictions.
Their followers are the ones who suffer.
This is why it’s critical to choose your mentors carefully — and it’s precisely why you should never blindly enroll in an online class that’s taught by some random person whose ideas you haven’t vetted.
If you’re curious how often Kiyosaki has made the wrong call, note that Stanford-trained data scientist Nick Maggiulli, our guest on Episode 375 of the Afford Anything podcast, shared this illustration on X:
Imagine if you stayed on the sidelines …
Pessimism has a visceral appeal. It’s evolutionarily advantageous to be hyper-aware of threats.
Our ancestors didn’t survive the jungle or savanna by appreciating the beautiful flowers. They survived by staying hyper-vigiliant of danger. This explains why negativity bias is so innate, so intrinsic. It’s a survival mechanism.
But in the modern developed world, pessimism keeps us overly conservative. We choose the “safe” major. We take the “steady” job. We tilt too heavily into conservative investments when we’re young, and we panic when our 401k’s start to decline. We avoid real estate investing and starting side businesses because these seem too risky.
Pessimism stifles innovation, entrepreneurship, and creativity. It locks us into mundane careers and middling investments as we muddle through risk-averse lives. In the end, we haven’t endured huge losses, but neither have we *embraced a shot* of winning.
As Episode 284 podcast guest Morgan Housel eloquently said:
“Pessimists get to be right. Optimists get to be rich.”
No, The Fed Lowering Interest Rates by 25 Basis Points Is Not Going to Flood the Market with New Housing Inventory 🙄
A little history lesson:
Once upon a time, in 2008, there was a Great Recession. It scared many investors and homebuilders, and they stopped making new homes.
In the decade that followed the Great Recession, new construction reached its lowest point since the 1960’s.
By 2019, the housing shortage amounted to 3.8 million units. This means there were 3.8 million more families and individuals who wanted a place to live — either to rent or buy — than there were homes available.
Then the pandemic struck. The prices of copper, lumber and other construction items shot through the roof (no pun intended). Builders had to raise home sale prices due to higher materials costs. Prices soared.
In 2020 and 2021, people across the internet cried, “Why are they charging so much more than the home is worth?!” — not realizing that “worth” is a function of the cost of labor + the cost of materials + the premium of scarcity.
And when supply is curtailed — as it was by 3.8 million units as of 2019 — there’s an ample scarcity premium.
Then inflation climbed. The Federal Reserve raised interest rates 11 times during their 2022-2023 cycle, resulting in a rapid escalation of mortgage rates.
This created a “lock-in effect” among existing homeowners. Nobody wants to trade a mortgage with a 3 percent fixed interest rate for an alternate mortgage with a 7 percent rate.
Existing homeowners with a mortgage have a huge incentive to hold.
Sellers who *need* to get rid of their property — for example, because they’re moving to another country — list their homes on the market. But homeowners who simply *want* to upsize or downsize are, for the most part, staying put.
This has created even more housing supply pressure.
Meanwhile, homebuilders — who must borrow money to finance their operations — are seeing the cost of capital skyrocket. Many have curtailed new construction, putting further pressure on the supply pipeline.
So we have a long-running confluence of factors that, piece by piece, keep exacerbating the housing supply crunch.
And this leads to today’s takeaway:
No, this problem will not magically solve itself the moment that the Fed reduces interest rates.
The Fed is meeting today and tomorrow. They’re widely expected to hold rates steady. (They’ll make an official announcement at 2 pm on Wednesday.)
There’s rampant speculation that the Fed will lower interest rates in Q1 or Q2 of next year.
— And —
There seems to be a pervasive myth that once interest rates decline, those “locked-in” homeowners will rush to list their homes for sale, flooding the market with new inventory.
The supply-demand imbalance will tilt in the buyer’s favor, home prices will plummet, and housing will become affordable once again.
Yet that is pure fantasy, disconnected from the data.
Imagine 10 people. Nine of them have mortgage rates that are less than 6 percent. The stat is 91.8 percent of mortgaged homeowners, to be precise.
Wait.
Imagine those same 9 people, the 9 out of 10 who have a sub-6 percent interest rate. Here’s how they break down:
One has an interest rate between 5 to 6 percent.
Two have an interest rate between 4 to 5 percent.
Six have an interest rate below 4 percent. The exact stat is 62 percent.
Let me say that again:
Six out of 10 mortgaged homeowners have an interest rate that’s below 4 percent.
Meanwhile:
One-half of mortgaged homeowners (49 percent) say they’d consider listing their home only if interest rates fell below 4 percent, according to a Redfin survey conducted by Qualtrics.
So this myth that if the Fed lowers interest rates, the market will get flooded with new inventory? — That scenario isn’t likely to happen for a long, long, looooong time.
As of Dec 12, 2023, the current average 30-year fixed rate for a buyer with a 740-760 credit score is 7.4 percent. Multiple reductions in interest rates won’t begin to approach the sub-4 percent rates of yesteryear.
The “lock-in effect” will last for longer than you might expect.
Lesson:Don’t wait to buy a home based on speculation about the market. If you have both the money and desire to buy a home, DO IT NOW. Homes are likely going to get more expensive in the future, not less.
How to Not Flush AS MUCH Money Down the Toilet This Holiday Season
Yeah, I know.
The holiday season is custom-built for parting with your money. Every store is promoting sales, discounts, offers. Limited time only.
It’s scarcity on steroids.
Holiday deals tap into the part of our brain that says — “this deal is only available now; I should snag it while I still can.”
Our FOMO creates jobs and drives the economy.
Since holiday spending is human nature, let’s forgo the guilting, shaming and finger-wagging that’s so endemic to the personal finance and FIRE community.
It’s counterproductive. Guilt and shame over holiday spending doesn’t change human behavior, it merely robs the joy from it.
It’s like chowing down a piece of chocolate cake while simultaneously fretting about the sugar.
You’re eating the cake regardless. You may as well enjoy it.
Instead, let’s accept that some degree of holiday spending is normal, and let’s focus on how to find the best deal possible.
Here are four pointers. (If you have more to add, please share these with the Afford Anything community) —
#1: If you’re buying an item at a mid-size company’s website (i.e., a merchant that’s bigger than a mom-and-pop shop, but not a big box retailer like Target or Amazon) — move your cursor near the “back” arrow on the browser.
This is called “exit intent,” and it often triggers pop-ups with discount codes.
#2: For online purchases: Create an account, put an item in your cart, and then leave the website.
This is called “abandoned cart,” and often triggers an automation in which the company emails you a limited-time-offer discount code.
#3: If you’re buying something expensive (over $500 – $1,000 or more), track the price for a few weeks, especially around the holidays. On sites like Wayfair, I’ve seen prices fluctuate daily.
#4: The least useful savings tip: Googling discount / promo codes or pulling these codes from mass aggregator websites.
You may get lucky, but typically 9/10 are expired or don’t work; they just yield a bunch of extra open tabs on your browser.
There’s an enormous selection of third-party websites and browser extensions that claim to help with this, with varying degrees of efficacy.
I’m not going to recommend any specific tools; recommendations are both dynamic and better crowdsourced. Please share your experience with the community.
Nashville, often celebrated as the “Music City,” stands as a vibrant and culturally rich metropolis, weaving a diverse tapestry of attractions and contributions. Whether you’re a first-time apartment renter or a newcomer eager to delve into the heart of Nashville, this comprehensive guide is your gateway to understanding the city’s multifaceted identity. From its historical roots to the pulsating energy of its sports and entertainment scene, burgeoning job markets, natural resources, eclectic culinary offerings, thriving arts and literature community, academic prowess and captivating attractions, Nashville beckons exploration.
Unveiling Nashville’s storied past
To truly understand the essence of present-day Nashville, it’s imperative to embark on a journey through its storied past. Originally founded in 1779, Nashville emerged as a vital trading and transportation hub along the Cumberland River. The city’s strategic location made it a focal point during the Civil War, leaving an indelible mark on its history.
As the decades unfolded, Nashville’s identity evolved, weaving together threads of culture, music and industry. The city earned its moniker, “Music City,” during the 20th century, owing to its unparalleled influence on the country music scene. However, beyond the rhythm and melodies, Nashville’s history is a tapestry that encompasses economic transformations, social shifts and cultural milestones.
What is Nashville known for?
This historical intro sets the stage for an exploration of what makes Nashville a dynamic metropolis today. From its humble beginnings to the present, Nashville’s journey through time has shaped its character and laid the foundation for the diverse array of elements that make it a truly unique and captivating city.
Sports and entertainment
Nashville is not only a hub for sports enthusiasts but also a paradise for entertainment lovers and country music listeners. The city proudly hosts the Tennessee Titans, an NFL team that commands a passionate fan base. Nissan Stadium, the Titans’ home turf, resonates with the cheers of supporters during the football season, creating an electric atmosphere.
Beyond the gridiron, Nashville is synonymous with country music, and the Grand Ole Opry stands as a testament to the city’s musical heritage. Hosting legendary performances since 1925, the Grand Ole Opry is a beacon for country music lovers worldwide. The Country Music Hall of Fame, located in the heart of Nashville, stands as a hallowed tribute to the legends and pioneers of country music. Artists like Dolly Parton, Johnny Cash, Elvis Presley and Hank Williams can all be found in the Music Hall of Fame. A captivating repository of the genre’s history, this iconic institution showcases artifacts, exhibits and memorabilia that celebrate the enduring impact of country music on American culture.
The Ryman Auditorium, another iconic venue, has welcomed a myriad of artists from various genres, solidifying Nashville’s status as a musical melting pot.
The city’s vibrant nightlife, centered around the famous Broadway strip, pulses with live music pouring out from honky-tonk bars. These establishments have become an integral part of Nashville’s identity, attracting both locals and tourists seeking an authentic taste of the city’s musical soul.
Jobs and industries
Nashville’s economy is a thriving tapestry of diverse industries. While music and entertainment play a significant role, the city’s job market is more expansive than its country roots might suggest. Healthcare is a cornerstone of Nashville’s economy, with renowned institutions like the Vanderbilt University Medical Center contributing significantly to the city’s employment landscape.
The city has also emerged as a hub for technology and innovation, with a burgeoning tech scene attracting talent from around the country. The healthcare and tech sectors converge at the Nashville Entrepreneur Center, fostering startups and nurturing a culture of innovation.
Additionally, the city’s strategic location has fueled growth in logistics and transportation industries, making Nashville a crucial node in the nation’s supply chain. This diversification in industries has not only fortified the city’s economic resilience but has also created a myriad of job opportunities for its residents.
Natural resources
Situated along the Cumberland River, Nashville benefits from a wealth of natural resources. The river has historically played a crucial role in the city’s development, serving as a transportation artery for goods and people. The lush greenery surrounding Nashville adds to the city’s charm, providing residents with ample recreational spaces and contributing to a more sustainable urban environment.
The proximity to fertile agricultural land has also influenced Nashville’s culinary scene, ensuring a steady supply of fresh, locally sourced ingredients. From farm-to-table restaurants to bustling farmers markets, Nashville’s commitment to embracing its natural resources is evident in every bite.
Food
Nashville’s culinary scene is a delectable fusion of traditional Southern flavors, hot food and innovative gastronomy. While the city is renowned for its hot chicken, a spicy fried chicken dish that has become a local delicacy, Nashville’s food offerings extend far beyond this iconic dish.
The city’s diverse culinary landscape reflects its multicultural population, with restaurants serving everything from soul food to international cuisines. Food festivals and events celebrate the rich tapestry of flavors, turning Nashville into a gastronomic haven for food enthusiasts.
Arts and literature
Nashville’s commitment to the arts is evident in its thriving cultural scene. The Frist Art Museum showcases a diverse range of visual arts, hosting exhibitions that span various genres and periods. The Belcourt Theatre, a historic venue with roots dating back to 1925, offers an eclectic mix of independent, documentary and foreign films, enriching the city’s cinematic offerings.
In the realm of literature, Nashville has produced and inspired numerous writers, both contemporary and classic. The city’s vibrant literary community is celebrated through bookstores, author events and literary festivals. Nashville’s commitment to nurturing creativity ensures that the arts continue to flourish within its borders.
Education and research
Home to Vanderbilt University, Nashville is a recognized center for education and research. The university’s academic prowess extends across various disciplines, including medicine, law and engineering. The synergy between Vanderbilt and the city has elevated Nashville’s status as an intellectual hub, attracting scholars and researchers from around the globe.
The city’s commitment to education extends beyond higher education institutions, with a robust K-12 system emphasizing innovation and academic excellence. Nashville’s libraries, including the downtown Nashville Public Library, serve as community hubs, fostering a love for learning and knowledge-sharing.
Attractions
Nashville’s appeal goes beyond its musical legacy and economic vitality. The city is replete with attractions that captivate visitors and residents alike. The Tennessee State Capitol, a neoclassical marvel, stands as a symbol of the state’s history and political significance. Nashville’s Centennial Park, which held the Tennessee Centennial Exposition in the 1800s, provides a serene retreat in the heart of the city with historical significance.
Broadway, a pulsating artery of Nashville’s entertainment district, deserves special mention. This iconic strip is not merely a street; it’s a symphony of neon lights, live music pouring from honky-tonk bars, and an exuberant atmosphere that captures the essence of the city’s musical soul. It’s a must-visit for those seeking the quintessential Nashville experience.
Outside of the music scene, the Nashville Zoo at Grassmere offers a family-friendly adventure, showcasing a diverse array of wildlife and promoting conservation efforts. The vibrant neighborhoods, each with unique character and charm, beckoned exploration, from the historic Germantown to the trendy East Nashville.
Tradition and progress meet in Nashville
Nashville’s multifaceted identity is a harmonious blend of tradition and progress. From the fervor of its sports arenas to the soul-stirring melodies that resonate through its streets, Nashville stands as a testament to the enduring spirit of the American South. As the city continues to evolve, its rich tapestry of sports, entertainment, jobs, natural resources, food, arts, education and attractions will undoubtedly shape its narrative for years to come.
Live music and southern cooking await; explore available apartments in Nashville to make your move to the Music City and immerse yourself in its captivating and ever-evolving story.
Georgia is home to some of the best college towns in the country, each offering students a range of unique experiences and opportunities for personal and professional growth.
It’s easy to see why Georgia is an incredible destination for higher education and unforgettable experiences. So, whether you’re a prospective student, a proud parent or just a visitor passing through, be sure to check out some of the top college towns in the Peach State!
Tucked away about 70 miles to the northeast of Atlanta lies Athens, the proud location of the University of Georgia, among the earliest public higher education institutions in the U.S. This archetypal college town is famed for its legendary music scene, having been the birthplace of famous bands like R.E.M. and the B-52s.
The area around UGA’s campus brims with a culture, including art galleries and live music venues. Nature lovers will relish the proximity to the State Botanical Garden of Georgia and Sandy Creek Park, offering manicured trails, space for cycling and open areas to soak up the Georgia sun.
In essence, Athens strikes a harmonious balance between the coziness of a smaller community and the excitement of a lively college town, establishing itself as one of the top university cities in Georgia and the country.
Atlanta hosts a cluster of premier colleges and universities like Georgia State University, Emory University, Georgia Tech and Morehouse College. With its sizable footprint, Atlanta caters to all, offering top-class dining, entertainment and elite professional sports teams.
Located downtown, the Georgia State University campus buzzes with energy. It’s a place where students can delve into their interests in and outside the classroom with ease. Gems like the High Museum of Art and the World of Coca-Cola are just the beginning of what Atlanta has to offer to students and recent grads. The city’s lively nightlife, especially in areas like Midtown and Little Five Points, is punctuated by a healthy selection of bars, clubs and music venues for students to discover.
Set in the historic Druid Hills, Emory University’s scenic campus provides a tranquil study environment just a stone’s throw from Atlanta’s myriad attractions. The fashionable Virginia-Highland neighborhood, a short distance away, is a haven for unique boutique stores, restaurants and bars.
Atlanta is also a hub for career-building opportunities, with a wealth of internships and major corporate headquarters, making it an ideal spot for those hoping to kickstart their professional journey in the South.
Famed for its breathtaking architecture and quaint cobblestone pathways, Savannah is home to the renowned Savannah College of Art and Design (SCAD). This seaside town is full of history, manicured parks, ancestral homes and museums that draw visitors from all across the country.
SCAD students enjoy the extraordinary experience of learning in a city that doubles as a living historical exhibit, with the university creatively converting historic spaces into classrooms. The artistic essence of Savannah shines through its many galleries, independent shops and festivals, creating a perfect haven for those with creative inclinations and ambitions.
Foodies will be thrilled to delve into Savannah’s restaurant scene, ranging from classic Southern dishes to exotic global flavors. The city’s nightlife is a collection of entertainment choices, including spirited bars and clubs, alongside ghost tours and a killer live music scene.
Savannah’s old-school charm and distinctive culture undoubtedly place it among Georgia’s finest college cities for students who have a passion for history and the arts.
Situated in the heart of Georgia, Macon is the proud home of Mercer University and Wesleyan College. This delightful city holds a significant place in the history of music, especially in shaping Southern rock and R&B. Iconic musicians like Little Richard, Otis Redding and the Allman Brothers Band all started out in Macon.
The stunning and historic Mercer University campus is conveniently located close to Macon’s bustling downtown, offering students a gateway to the city’s culture and entertainment. The rejuvenated downtown district is a treasure trove of distinctive boutiques, eateries and cafes, not to mention the renowned Grand Opera House, a storied venue for regular concerts and theatrical productions.
Nature buffs can venture into the Ocmulgee Mounds National Historical Park, a site of ancient Native American heritage, or bask in the picturesque landscapes of Amerson River Park. Music aficionados and sports fans are in for a treat with the Allman Brothers Band Museum and the Georgia Sports Hall of Fame, both showcasing Macon’s rich musical legacy and Georgia’s athletic achievements.
With its fusion of historical depth, a strong arts culture and plenty of nature to enjoy, Macon stands out as an exemplary choice for students seeking a small but fulfilling Georgia college town experience.
Honorable mentions
In the sweet state of Georgia, beyond the most celebrated college towns, there lies a collection of hidden gems that deserve some recognition too. These honorable mentions highlight those lesser-known yet equally charming college towns.
Statesboro
Tucked away in southern Statesboro, Georgia Southern University shines. As a rapidly expanding college town, it has a warmness to it that is impossible to replicate. The rejuvenated heart of the town presents an assortment of restaurants, locally-owned stores and entertainment venues, making Statesboro an ideal spot for students in search of a more intimate and cohesive college town environment.
Kennesaw
Kennesaw is home to Kennesaw State University, a major public university in Georgia. This city is a vector for activities like hiking at the scenic Kennesaw Mountain and numerous shopping and dining options at the well-known Town Center at Cobb. With its emphasis on community and a welcoming environment for families, Kennesaw stands out as a desirable location for students who are drawn to the experience of a suburban college town.
Georgia’s calling
Georgia is full of top-tier college towns, each with different and unique experiences and prospects for students. The state stands out as a fantastic choice for higher education and memorable adventures. Whether you’re a potential student, a proud parent or simply a traveler exploring the South, don’t miss the chance to discover the exceptional college towns that pepper the Peach State!
Ohio-based mortgage lender CrossCountry Mortgagehas adopted the updated credit scoring model FICO Score 10 T to support origination of non-conforming loans and issue mortgage-backed securities (MBS), the company announced on Tuesday.
The lender’s move follows Movement Mortgage’s decision in early October to become an “early adopter” of the updated credit scoring model that FICO released about four years ago. Other mortgage lenders may follow suit since regulators plan to replace the classic credit system with an updated one to incorporate trended data.
CCM claims it is “the first mortgage lender to commit to issuing MBS exclusively based on FICO Score 10 T,” a step for investors at the $12 trillion MBS global market “to familiarize themselves with the new score and realize the promised performance improvement.”
According to Jenn Stracensky, CCM’s chief operating officer, “By proactively issuing mortgage-backed securities exclusively based on FICO Score 10 T,” the company empowers “investors to make smarter decisions.”
The move will also help the company to “continue to offer personalized solutions to our customers,” Stracensky said in a statement.
Fair Isaac Corp. (FICO), the company that retains the rights to the market’s adopted methodology to measure consumer credit risk, launched the updated credit score in 2020 for lenders to have greater precision by incorporating trended credit bureau data when making lending decisions.
The company claims the model can expand mortgage approval rates by up to 5% relative to classic versions without adding incremental risk. It reduces default risk and losses by up to 17% and allows lenders to project cash flows more accurately, FICO says.
Government-sponsored enterprises Fannie Mae and Freddie Mac have relied on the classic credit models for nearly 20 years.
However, the Federal Housing Finance Agency announced in late 2022 that it would replace the Classic FICO credit model with the FICO 10 T and VantageScore 4.0, a competing model incorporating trended credit bureau data.
The original implementation timeline was to move from a tri-merge system to a bi-merge system in the first quarter of 2024. But, concerns expressed by stakeholders and members of the U.S. Congress delayed the transition.
Amid a discussion on changing the credit scoring model, HousingWire reported in December that credit reports will be more expensive for mortgage lenders in 2024.
FICO will charge one price – higher than the current price – to all mortgage lenders, independent of their volumes, departing from the tier-based pricing structure it implemented in early 2023. It will also collect the same per-score price for soft pulls and hard pulls, an initiative that started in 2023 despite significant differences in these products.
Landlords across the country have been empowered to act as a kind of police force in the name of crime prevention for decades. How? Through local “nuisance property” laws and “crime-free housing” programs that require them to evict tenants for vaguely defined “criminal activities.”
As of Monday, California became the first state in the nation to ban so-called crime-free housing programs. More states should follow suit.
Such laws target low-income and minority renters for eviction and violate their civil rights. That’s bad enough. But they also fail to reduce crime.
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Cities across the country have been implementing these policies for about 30 years, building on the Anti-Drug Abuse Act of 1988, which stepped up evictions in federally subsidized housing. By 2019, about 2,000 American cities had a crime-free housing program, and 37 of the 40 largest U.S. cities had a nuisance property ordinance.
Even as these policies spread, their efficacy was in doubt. I led a recent analysis of California’s crime-free housing policies that found they had no effect on crime. Other researchers have found that by driving people into desperation and homelessness, nuisance property ordinances may actually increase property crime.
Crime-free housing policies backfire partly because they treat 911 calls as an indicator of criminal activity. This creates a perverse incentive: For fear of being evicted, tenants don’t call authorities when they need them.
This particularly harms victims of domestic violence, who may hesitate to seek help from police lest they lose their housing. These policies can also dissuade tenants from seeking medical aid during drug overdoses or mental health crises. Evictions also hamper crime prevention by disrupting community social networks, making it harder for residents to monitor what’s going on in their neighborhoods — a critical element of crime prevention.
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My study of California found that city blocks with apartments certified as crime-free saw 21% more evictions than blocks without such housing. Other researchers have found that nuisance property ordinances increase eviction filing rates by 16%. In the six months after the U.S. Department of Housing and Urban Development instituted a “One Strike and You’re Out” policy on criminal activity in 1996, reported evictions from public housing surged 40%.
Evictions are deeply harmful in many ways. People who are evicted struggle to find housing again, and tenants removed from public housing are prohibited from receiving housing assistance. That can lead to more homelessness and desperation. Evictions also cause disproportionate housing insecurity for children, more unemployment, additional use of emergency room resources, and accidental drug and alcohol deaths.
Legal experts have argued persuasively that punishing people with eviction instead of through criminal justice procedures also denies them due process. These policies don’t require an arrest or conviction or even an indication of crime anywhere near the property. They don’t even require a crime.
People have been evicted under crime-free housing policies over kids playing basketball or jumping on a trampoline and because of complaints about barbecues. Tenants can even face severe consequences for the behavior of their guests. One federal court case concerns an Illinois city trying to evict a family because of a burglary committed by a friend of their teenage son who had slept on their couch.
The policies tend to be selectively enforced, with low-income, multifamily properties bearing the brunt. This has led the Department of Justice to take action against cities for violations of the Fair Housing Act and other federal laws. In 2022, the San Bernardino County city of Hesperia signed a consent decree with the federal government related to selective application of its crime-free housing program. Lawsuits have been filed on similar grounds against cities in Washington, Illinois, Pennsylvania and Minnesota.
What is the point of these harmful policies if they aren’t reducing crime? Public officials have suggested their real goal is segregation.
A Hesperia official acknowledged that the purpose of the city’s crime-free housing program was to remove what he described as “those kind of people” and “improve our demographic.” The mayor of Bedford, Ohio, said the city’s nuisance property ordinance was about taking “pride in middle-class values” and curtailing “urban immigration.” The analysis I led found that cities with crime-free housing programs had larger Black populations and that the affected apartments were on lower-income blocks with larger Black and Latino populations.
HUD has issued guidance to cities on how these policies may violate the Fair Housing Act by disproportionately evicting women, victims of crime and people with disabilities. But more needs to be done.
Following California’s lead, other states should limit evictions under these policies without an arrest or conviction or based on the behavior of nonresidents. Cities should also be required to report the number of evictions resulting from crime-free housing policies and nuisance ordinances. Similar federal policies also need reconsideration, including the one-strike policy for public housing and the rules that prevent evicted tenants from obtaining future housing assistance.
These policies and the evictions they cause are at best an ineffective means of preventing crime. At worst, they’re a harmful form of discrimination that leads to more crime and homelessness. Ending them could make all our communities safer.
Max Griswold is a policy researcher at the Rand Corp.
There seems to be an exorbitant number of young people posting all kinds of pictures and stories about their incredible (and expensive) travels online. And alongside that, most of us young people are struggling just to find affordable housing. So what gives? How is this generation of Americans both more broke than other generations, and also traveling so much? Well, we’re diving into some answers here, so keep reading!
1. It’s All on Credit
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One user said, “I have a friend who takes 4 or 5 vacations annually. She and her husband are not wealthy by any means. I asked how they could possibly afford it (bc I was jealous), and she said it was all on credit. I stopped being jealous after that.”
It’s true: a lot of people use credit cards to travel and then make payments afterwards to catch up. Sure, you get cool experiences, but is it worth it to have standing debt that’s accruing interest at an exorbitant rate? Most of us would say no.
2. Debt and Nihilism
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One Redditor shared, “Debt and nihilism. A lot of them kind of think the world is going down the crapper and their lives will only get worse from here on out, so might as well enjoy it.”
Another user replied, “Pretty much, honestly. I’m 26, a relatively s- job. Want to start a career, but that’ll require more school, which is fine. The [debt] will only set me back around a year, and I’ll make a bit more thereafter. Even after that, I won’t make enough to both afford a house and contribute a lot to retirement, though; I might as well get my money’s worth in life in my 20s and 30s while I’m still a beast physically (ski vacations, backpacking, running every event from 800 to ultras, hopefully after graduating more expensive stuff even like mountaineering, alpine touring).”
Ok, we understand this view a little better. It’s true, the world is changing rapidly and there’s a lot of joy to be found in traveling while you’re young, and strong enough to have the more intense adventures. But just proceed with caution, especially where credit cards are involved.
3. Rich Parents
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“Rich parents,” one user posted.
Another user commented, “Definitely rich parents or running up credit card debt. I went to school for 8 years and ran up around 300k in [debt]. About a year or two after graduating, a classmate shared that he paid all of his student loans off. While I was funding everything with [debt], he was being heavily funded by his parents, so his [debt] was a fraction of what mine was, and he knocked it out fast.”
To be fair, if we had wealthy parents, we’d probably travel too. Probably the worst part about this one is that young people with wealthy parents are more often than not quite out of touch with the struggle middle-class people have to save up and travel. So, compassion might be the key here. That, and maybe keeping some of those gorgeous photos in a private chat instead of an Instagram feed.
4. Credit Cards
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One user shared, “Credit cards are a [hecking] drug.”
Another user commented, “Yup I worked collections for too long, and I would see people barely make the minimum payment and then turn around and ask how much [they had] left to spend. Crazyyyyyyyyyyyy.”
One added, “When I was working in retail, I had an amicable ‘cash or card’ chat while ringing someone up when I said something like, ‘I’d just as soon use my card for everything and get the points.’
“The customer, 10+ years older than me and spending a couple hundred dollars, kind of scoffed and said, “Yeah, if you pay it off!”
“That’s not to knock anyone using credit cards to make ends meet. Still, it’s stuck with me because she was fully insinuating that it was unreasonable for anyone to pay off their balance reasonably regularly. Like, ma’am, are you sure you want to buy this dress?”
5. They Live With Their Parents
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Generational living has been a feature of many cultures both across the glob and throughout history. In fact, Americans are more of an anomaly in this regard than we usually think. But taking the opportunity to live with your parents, especially if you have a healthy relationship with them, can set you up financially for more than just travel, although that’s certainly one motivation to practice generational living!
One Redditor commented, “They live with their parents.”
Another user replied, “My dad lived with his mom until he was 45. I live with my parents as well. No rent makes a huge difference.”
6. Hard Work or Rich Parents, Possibly Both
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One Redditor added to the thread, “I work with a 24-year-old. After college, he got an entry-level job at our company (he was 22) and did really well. He probably makes $70K+, has a roommate and has no kids—plenty of extra money.
“My stepdaughter is 21, works part-time at a coffee shop, and her parents pay her rent, her tuition and most of her expenses. She also has plenty of extra money. So, either hard work or rich parents, possibly both.”
7. High-Income Jobs
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While we’re in high school, most of us are told to follow our dreams. And it’s really life-changing to have a job you enjoy versus a job you tolerate or really dislike. But some of us have the talents and dreams that guide us towards higher paying jobs, and that’s a fact we all have to come to terms with. Somebody who loves math and dreams of engineering will probably make more than somebody who has a passion for children and teaching.
“Rich parents or high-income jobs,” one user stated.
Another Redditor replied, “High-income jobs really hit you differently when you don’t have any dependents too.”
8. Saving Up
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“When I was a new grad, a bunch of my friends/acquaintances moved out and lived independently. Had the nicest clothes and went out to every event. I lived with my parents and saved. (Lucky enough that they didn’t need my help.)
“Well, I’m in my early 30s now. I have my own condo; it’s not the nicest car, but I’m happy with it. All my friends/acquaintances had to move back home because they couldn’t afford to live independently anymore.
“I don’t know their financial situation, but they always ask how I could afford it. My parents aren’t rich, but living with my parents after I graduated definitely is the reason I could eventually move out and buy my own place,” shared one online user.
9. Being an “Influencer”
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It’s not a secret that much of what we see online, especially influencer content, is mostly illusion. There are private jets to rent as a photo set; you can go get your pictures and then fly a budget airline. All the appearance of being rich; none of the reality.
One user posted, “Where do you ‘see’ these people? Are these people you know or people you see on social media?
“Being an ‘influencer’ is a freelance entertainment job. These guys earn money by appearing to have perfect lives in every way. If they don’t provoke envy or aspiration, they aren’t making as much money as possible. Don’t let yourself be sold a bill of goods, okay? There’s a man, not a wizard, standing behind that curtain.”
10. Inheritance
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Ok, it’s hard to fault people for inheriting money enough to travel. And some genuinely do. But that doesn’t make it any easier to follow along with their adventures while we work away in our offices.
One user posted, “Inheritance, trust fund babies, parents’ gifts.”
11. Work in a Tourist Attraction
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Credit cards seem to be the biggest answer. Young people aren’t afraid of debt in the way many others are. And while there’s nothing inherently wrong with putting trip expenses on a credit card if you know you can pay it off, there’s definitely a risk to traveling on credit too often. Your future self may not thank you.
One user shared, “I work in a tourist attraction. I’ve seen many 21-25-year-olds from the U.S. and other continents travelling here. A lot of them are in college! I’m the same age as them, and I wasn’t able to afford to go travelling or party while in college. Edit: I would like to note a majority of them are paying with credit too.”
12. There Are More Affordable Options if You Plan It Right
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“Everyone else has covered the how, but I do want to mention how important it is to travel when you can. There’s no reason to make it lavish to get the benefit from it. There’s lots of more affordable options if you plan it right. Start with weekend road trips. I never left the country (USA) until I was 25, and now I’ve been to 16 countries (although some were for work trips). I try to take one proper vacation a year. Every other year, I do something more extravagant (that I have time to save up for), and the off years, I do something domestic.
“I think it’s the best gift you can give yourself to see how other people live and experience their culture. It expands your horizons and also helps you appreciate home,” one user added.
13. Making Money off Scams
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One user shared, “A lot of people I’ve seen in their 20s are doing fraud. I don’t know in detail how they do it, but it’s something with CPNs and people’s social security. I’ve seen people with all these designer bags and designer clothes and going on all these trips. Yet they work in a warehouse or a low-paying job. They are, without a doubt, scamming. Also, I know a lot of women deal with men who are willing to spend money on them. I have friends who will get flown out by men they are dating. These men also seem to be doing illegal activities. Trust me, a lot of people out here are not living right. They are risking their freedom for a fake lavish lifestyle.”
14. Selling Themselves Online
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One user commented that most likely, lots of influencers have switched to having paid subscribers to their accounts. And while it’s not exactly easy money for just anyone, a lot of people are succeeding at drawing in people who are willing to pay for their content. It takes a pretty high comfort level with posting yourself online for others’ viewing pleasure, but those who have the guts and the success will probably have the ability to travel on that money too.
15. They Know Someone Who Works for an Airline
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“People give others gift cards and airline points and know people who work in airlines. So, if you know someone who works for an airline, you can [often] get a $100 guaranteed ticket for a flight. Or buddy pass is free! Also, work in an airline that gives you free seating when empty seats are available. Also, parents sell their homes to their kids for $80K, and the home value is $500K plus.
“They take out a second mortgage on the house to live it up in their 20’s and slowly roll into their 30s and, by 40’s, divorced and in Debt. Also, Credit card points from people to buy airline tickets and travel expenses. They also have their parents credit cards and order ride shares with accounts of their parents that have corporate accounts credit cards on them. Females are more likely to have Dad’s credit cards for emergencies and Guys more likely to have [Mommy’s] credit cards that stepdad or birth dad pays for. Also, they have credit card debt that they file Chapter 7 on, and parents most likely pay the vehicle/ rental payments. Now, they use their parents’ vehicles to make money doing rideshare/or gig work while their parents pay the rent/ and the vehicle they pay bills. Parents paid for the college! Things I have learned about from people doing rideshare and people I have met in life,” posted one user.
What do you think of the statements listed above? Share your thoughts down in the comments!
Source: Reddit.
10 Actors Perfectly Cast for Their Character Roles
Photo Credit: Warner Bros.
Have you ever watched a movie or show and been completely lost in it because of how well an actor or actress became their character? Check out this article for a whole list of actors who were perfectly cast!
11 Vampire Movies That Will Make You Thirst for More
Photo Credit: Columbia Pictures.
You know that feeling where you’re on a movie kick in a certain genre, but you seem to run out of good movies to watch? Well, if you’re down for a vampire movie or three, check out this article for the best ones out there!
10 Incredible Movies That People Rated 10 Out of 10
Photo Credit: Universal Studios.
It’s pretty hard to replicate the experience of watching your favorite movie for the first time, but we’ve put together a list of movies that people have rated at a perfect 10/10. Next time you need a good movie to watch, check this out!
10 Famous People Who Canceled Themselves With Their Own Stupidity
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We’ve all been there: you make a comment you haven’t thought through at all, and the whole room goes silent at what you’ve just said. But can you imagine doing that as a famous person—and getting canceled? Check out this list of celebrities who did just that!
13 Things You Shouldn’t Do When You’re in the US
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Are you planning a trip to the US? Culture varies a lot between countries, even countries that share borders. So if you’re headed to the good old U. S. of A, here are a few pointers to make your travels go more smoothly!
The Capital One Venture X Rewards Credit Card is a travel credit card offering a long list of benefits for travelers. For the card’s $395 annual fee, you get a lot of perks — an annual $300 Capital One Travel credit, a 10,000-point anniversary bonus and Priority Pass lounge access, among other travel perks.
The card also offers several travel insurance benefits, which makes it a good choice for booking travel. Even if another card offers you more points, paying for travel with your Capital One Venture X Rewards Credit Card might make sense if the other card doesn’t have insurance and you want coverage.
Trip cancellation and interruption coverage
If you pay with the Capital One Venture X Rewards Credit Card you can be reimbursed up to $2,000 per person for any nonrefundable airline, bus, train or ferry tickets if your trip is canceled or cut short for an eligible reason. Only the cardholder, their spouse and any dependent children are covered.
🤓Nerdy Tip
The card’s included trip interruption or cancellation insurance doesn’t provide coverage for prepaid tours or hotel reservations.
The card’s plan only covers trip cancellation or interruption in two specific scenarios:
The death, injury or illness of you or an immediate family member.
Financial insolvency of the common carrier, resulting in default.
If you have to cancel a trip or return home early for any other reason, this policy will not reimburse you the cost of your tickets.
How to submit a trip cancellation or interruption claim
Trip cancellation and interruption protections are managed by an external claims administrator, so you’ll need to work with them to process your request. Claims can be initiated by mail to the following address: CBSI Card Benefit Services; 550 Mamaroneck Avenue, Suite 309; Harrison, NY 10528.
Once you’ve initiated your claim, you’ll use the portal at www.myclaimsagent.com to upload documents and check the status of your claim. Note that you can’t initiate claims online.
You should submit your claim within 20 days of when the incident that cancels or interrupts your travel occurred. Once you’ve received the required forms from the benefits administrator, you’ll need to sign and return them, along with all necessary documentation, within 15 days.
Here are some of the documents you may be required to submit:
Copies of proof of cancellation from the common carrier, as well as an itinerary with the traveler’s names and ticket cost.
Document showing the common carrier’s cancellation policies.
A copy of your credit card statement, showing that the travel was charged to your card.
Confirmation showing the reason for the trip cancellation or interruption.
Other claim documentation, as requested by the benefit administrator.
Trip delay coverage
When you book your airline or other common carrier tickets with your Capital One Venture X Rewards Credit Card, you also receive trip delay coverage.
If your trip is delayed by more than six hours, or requires an unexpected overnight stay, you’ll receive up to $500 per eligible passenger toward any reasonable incurred expenses. This typically includes purchases like hotel accommodations, food, toiletries and other essentials.
Capital One offers trip delay coverage when you use credit card rewards for your travel or pay for all or part of the fare with your Capital One Venture X Rewards Credit Card. Plus, it covers you, your spouse and any children under 22 years of age.
How to file a trip delay reimbursement claim
Within 30 days of your trip, you’ll need to file a claim with the benefits administrator by filling out a form at www.eclaimsline.com or calling 800-825-4062. Be sure to save your receipts and get a statement from your carrier about the reason for the delay.
Here’s what you’ll be expected to provide with your claim:
A copy of your itinerary and common carrier tickets.
Your monthly billing statement, showing that your travel expenses were charged to your account.
A statement from your common carrier stating the reason for the delay.
Itemized receipts for expenses claimed.
Common carrier travel accident coverage
Even with careful planning, accidents can happen when traveling. If you’re injured (or worse) while traveling on a common carrier, you’re protected by up to $1,000,000 of travel accident insurance — as long as you charge your trip to your Capital One Venture X Rewards Credit Card. The coverage protects you against loss of life or specific, significant bodily injuries.
Capital One’s coverage is door-to-door as long as you’ve charged your common carrier fare to your card. This means you’ll be protected from your home all the way to your destination, including any travel by taxi, bus, ferry or other form of public transportation.
How to file a travel accident claim
If you need to file a claim under Capital One’s common carrier travel accident insurance policy, contact Broadspire, the claim administrator for this benefit. Broadspire’s contact information is as follows: Broadspire, a Crawford company; P.O. Box 459084; Sunrise, FL 33345. It can also be reached by phone at 855-307-9248.
During the claims process, you’ll need to fill out a form and provide the requested documentation and proof of loss.
Lost or damaged baggage coverage
When an airline loses or damages your luggage, you may receive some compensation, but it might not cover the total cost of your loss. If you’ve booked your trip with your Capital One Venture X Rewards Credit Card, its lost luggage coverage can make up the difference. This benefit will pay up to $3,000 per passenger to cover the difference between what the airline pays you and the value of your claim.
The lost luggage policy also covers carry-on baggage, but only in cases where it was damaged or mishandled by the common carrier.
How to file a lost or damaged baggage claim
Your first step when you have a lost or damaged bag is to submit a claim with the common carrier. Once you’ve done this, you should contact the benefits administrator at 800-825-4062 or file online at www.eclaimsline.com. You’ll need to do this within 20 days of the bag being lost or damaged.
You’ll also need to provide documentation, including:
A copy of your billing statement showing payment of the common carrier fare.
A copy of your common carrier ticket.
Evidence of any payment provided by the common carrier as a settlement of your baggage claim.
The declarations page of any other applicable insurance policies, plus copies of any settlements from them.
Rental car collision coverage
Rental car insurance, also known as an auto rental collision damage waiver, protects you against the cost of damage to or theft of a rental car.
As long as you charge the rental to your Capital One Venture X Rewards Credit Card and decline the rental company’s collision damage waiver agreement, you’ll receive reimbursement for the cost of theft or damage of the rental car. The coverage is primary and covers the actual cash value of the rental, up to $75,000 when the vehicle is new.
Capital One’s car rental insurance doesn’t cover liability — meaning if you damage property or injure someone with your rental car, they can still pursue a claim against you or your personal automobile insurance. Additionally, the coverage has some exclusions, including rentals in specific countries, antique and luxury cars, motorcycles, recreational vehicles (RVs) and cargo vans, among others.
The rental period cannot be longer than 15 days within your country of residence or 31 days outside your country of residence.
How to submit a rental car insurance claim
If you need to submit a rental car insurance claim, you’ll want to inform the benefits administrator as soon as possible — but no later than 45 days after the incident occured. As soon as you are aware of damage or theft, you should call the benefit administrator at 800-825-4062. You can also start your claim online at www.eclaimsline.com.
During the claim process, you’ll be required to provide documentation:
A copy of the rental company’s accident report form and the rental car agreement.
A copy of a repair estimate and itemized repair bill.
Photos of the damaged vehicle.
A police report, if available and/or applicable.
A copy of the letter from the rental agency showing what costs you are responsible for and what has already been paid.
Capital One Venture X Rewards Credit Card travel insurance recapped
The Capital One Venture X Rewards Credit Card offers a suite of travel protection benefits that can protect you when you’re on the road and encounter unexpected circumstances.
Be sure to read your card’s guide to benefits to understand important benefit limitations and exclusions.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
40 Northwestern Mutual Wealth Management Teams Rank Among Nation’s Best in New Forbes Listing MILWAUKEE, Jan. 9, 2024 /PRNewswire/ — Northwestern Mutual today announced that 40 of the company’s advisory practices from across the country have earned a spot on Forbes‘ highly coveted Best-in-State lists of Top Wealth Management Teams for 2024. This accolade showcases … [Read more…]