Tara Siegel Bernard covers personal finance. Before joining The Times in 2008, she was deputy managing editor at FiLife, a personal finance website, and an editor at CNBC. She also worked at Dow Jones and contributed regularly to The Wall Street Journal. More about Tara Siegel Bernard

A version of this article appears in print on  , Section B, Page 11 of the New York edition with the headline: Angelo Mozilo, Leader of Lender In 2008 Housing Bust, Dies at 84. Order Reprints | Today’s Paper | Subscribe

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Source: nytimes.com

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The average 30-year fixed-rate mortgage fell four basis points from the week prior to 2.98%, according to data released Thursday by Freddie Mac‘s PMMS. Within the past almost three months, mortgage rates have only peaked above 3% one time.

“Economic growth remains steady and is bolstering more segments of the economy,” said Sam Khater, Freddie Mac’s Chief Economist. “Although low and stable mortgage rates have kept the housing market booming over recent months, a deterioration in affordability and for-sale inventory has led to a market slowdown.”

Borrowers are still shopping at a feverish pace, at least by historic standards. Pending home sales metrics released by the National Association of Realtors on Wednesday revealed pending home sales reached its highest mark for the month of May since 2005, up 8% from the previous month of April. Even Lawrence Yun, NAR’s chief economist, said this came as surprise given the number of would-be buyers getting priced out in numerous markets.

More recently, however, mortgage applications dipped 6.9% last week, according to data from the Mortgage Bankers Association. That almost 7% dip brought application volume to its lowest level in almost 18 months, according to Mike Fratantoni, MBA’s senior vice president and chief economist.

“Mortgage rates were volatile last week, as investors tried to gauge upcoming moves by the Federal Reserve amidst several divergent signals — including rising inflation, mixed job market data, strong consumer spending, and a supply-constrained housing market that has led to rapid home-price growth,” Fratantoni said.


Increasing Lending and Servicing Capacity – Regardless of Rates

The low-rate environment won’t last forever, and both lenders and servicers need to be able to keep their costs down while managing volume fluctuations once things start to normalize.

Presented by: Sutherland

For some economists, rising rates are the better option for counterbalancing the market. The effect of higher mortgage rates, which in late 2018 crested at 5%, also contributed to more stability in housing prices. The solid demographics for home purchasing and historically low mortgage rates — which have been in a downtrend for four decades — have created a housing market where prices are rising too fast, said Logan Mohtashami, lead analyst for HousingWire. 

“Even though we have good demographics for housing, we are not seeing a growth in sales that would account for the rate of growth in prices,” said Mohtashami.

According to Mohtashami, once the 10-year yield gets above 1.94%, mortgage rates could finally rise above 3.75%, giving the market enough time to cool down.

Source: housingwire.com

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Open this photo in gallery:

A person walks past multiple for-sale and sold real estate signs in Mississauga, Ont., on May 24.Nathan Denette/The Canadian Press

We’ve heard this before, but it looks like interest rates are close to peaking.

Coincidentally, so has the complexity of choosing the right term if you’re negotiating or renewing a mortgage. The cheapest mortgage rates today are for a fixed term of five years. Who wants to lock in for five years when rates are thought to be peaking?

One-year mortgages make sense because interest rates should be heading lower by then, especially if the long-anticipated recession arrives. Renewing a mortgage in 12 months lets you tap into those lower rates, but the premium you’ll pay for having that opportunity is huge. Is there a compromise between short and long?

“I find that the sweet spot is a three-year fixed-rate mortgage,” said Victor Tran, a mortgage broker with True North Mortgage and an analyst with the website RATESDOTCA. “That has definitely been by far the most popular choice for the past year now for pretty much all my clients.”

True North’s website showed a three-year fixed rate of 5.74 per cent at the beginning of this week, which is middle ground in today’s market. Its other fixed rates were 6.84 per cent for one year, 6.19 per cent for two years, 5.29 per cent for four years and 5.14 per cent for five years.

Mortgage calculator: Here’s how rising interest rates affect the cost of your mortgage

A five-year variable-rate mortgage went for 6 per cent, but Mr. Tran said that option has been chosen only by a small minority of people who value the comparatively low penalty – three months of interest – for paying it off early. With fixed-rate mortgages, you pay the greater of three months of interest or a calculation called the interest rate differential (IRD), which is designed to compensate the lender for lost interest.

Variable-rate mortgages were popular during the pandemic housing boom because interest rates were ultra-low. The subsequent surge in rates has either added hundreds of dollars to monthly payments or put homeowners in a position where their amortization period has ballooned to 50 years or more. As a result, they’ll have to increase their payments upon renewal and possibly pay down their mortgage balance.

The risk in taking a variable-rate mortgage right now is that inflation is sticky enough to prompt the Bank of Canada to either raise interest rates again or leave them in place for an extended period. In any case, the variable-rate mortgage is out of favour right now with homeowners.

A one-year fixed-rate mortgage might normally be a second choice for homeowners who think rates will fall and don’t want to lock in for a long period of time. But one-year rates today are astronomically high by the standards of recent decades. If you have a conventional mortgage, where the down payment was 20 per cent or more, your rate could be around 7 per cent. Mortgages with smaller down payments must be insured against default, which allows lenders to offer slightly lower rates.

The unusual current relationship between short- and long-term mortgage rates is the result of what people in finance call an inverted yield curve. For borrowers, this means a reversal of the usual rule that borrowing for a longer term means paying a higher rate.

The five-year fixed-rate mortgage is actually the low-cost bargain right now. Locking in for five years is worth a thought for people who are confident they will remain in their homes for the full term of the mortgage and value rate certainty above all. But Mr. Tran said many homeowners are balking at longer terms such as four and five years because they don’t want to lock in for that long.

Some perspective on today’s five-year rates that makes them seem a little less bad: “I started in the mortgage industry in July, 2007,” Mr. Tran said. “I remember the first product that I sold was a five-year fixed mortgage at 5.79 per cent.” Today’s rate is well below that level.


Are you a young Canadian with money on your mind? To set yourself up for success and steer clear of costly mistakes, listen to our award-winning Stress Test podcast.

Source: theglobeandmail.com

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Academy Mortgage recently celebrated its 30th anniversary, having been founded back in 1988.

It began as a humble family-owned company opened by Duane Shaw, and remains one today with his son-in-law Adam Kessler in charge, serving as CEO.

With three decades under its belt, it’s clear Academy is a mature player in the mortgage space, which now includes all types of fintech-focused newcomers like Better Mortgage and Movement Mortgage.

It’s a very competitive business, so those who are able to stick out it for so long have proven staying power if nothing else. They must be doing something right, right? Let’s find out.

Academy Mortgage Prides Itself on Doing Everything In-House

  • They are an independent direct mortgage lender based in Utah
  • That only operates via the retail direct-to-consumer channel
  • Licensed to do business in 49 states and DC (not licensed in NY)
  • Have over 260+ branch offices nationwide

The Draper, Utah-based company’s claim to fame is that it’s a direct lender “100% focused on retail mortgage banking.”

What it means is they only work with borrowers directly, instead of dabbling in the correspondent or wholesale channels. So they’re laser-focused on the customer.

Perhaps this is how they were able to navigate through the mortgage crisis that occurred in the early 2000s, only to grow bigger and stronger since then.

Additionally, they do all the loan underwriting, processing, and funding in-house, instead of having a fragmented sales and operations team offsite.

Everything is carried out in one of their 260 branch offices throughout the country. Speaking of, they’re licensed to do business in 49 states and Washington D.C.

Some of those branches were the result of their acquisition of Republic Mortgage back in 2014, which allowed them to grow to 200 branches and 2,100 employees.

In 2017, they also acquired Oklahoma-based First Mortgage Co., which operated many branches in the Southwestern United States and Texas.

They also pride themselves on quick turn times, and refer to themselves as the “Gold Standard” in loan origination.

So it’s obvious that customer satisfaction reigns supreme with the company.

Getting a Home Loan with Academy Mortgage

  • The company employs hundreds of loan officers nationwide
  • You can call them directly to get paired up with an employee
  • Or visit their website and use their online directory to choose someone specific
  • It’s also possible to visit one of their many branches if you prefer face-to-face interaction

The company employs thousands of individuals, including a large fleet of mortgage loan officers throughout the country.

If and when you apply for a home loan with Academy, you can call them directly or choose a specific loan officer to work with.

They have a loan officer directory on their website that allows you to search by zip code, by name, and by branch (city and state location).

I imagine many of the loan officers are referred to clients, either by a real estate agent, or by a former customer who had a good experience with the company.

You can also visit a branch if face-to-face is your thing, though these days folks seem more interested in using a smartphone to make contact.

The one downside here is it appears that you can’t apply for a mortgage online.

Academy Mortgage a Top-40 Mortgage Lender

  • They’re a top-40 mortgage lender nationwide
  • The company closed more than 35,000 mortgages in 2019
  • The majority of those loans were for home purchases (about 70%)
  • With the remainder tied to home refinance transactions and HELOCs

Based on the latest HMDA data, Academy Mortgage was the 37th largest mortgage lender overall in the nation based on total loan volume in 2019.

The company closed 35,000 residential mortgages throughout the year on nearly $9.5 billion in total loan volume.

While that’s fairly big, it pales in comparison to Quicken Loans, which mustered over $81 billion during the same time period. However, it shows they’re no slouch either.

For home purchase loans, they tend to rank in the top 20 nationally since a large share of their mortgages are for that purpose.

For home refinance loans, they rank quite a bit lower due to lower volumes, but they’ve still got plenty of options for borrowers either way.

But it is clear that the independent home loan lender focuses heavily on home purchases as opposed to refinances, likely partnering up with local real estate agents to generate business.

Academy Mortgage Interest Rates

  • They don’t disclose their mortgage rates on their website
  • So it’s impossible to know where they stand without getting a quote first
  • My guess is their rates are average relative to other mortgage lenders
  • If super low they’d probably openly advertise them to draw in business

Unfortunately, the company doesn’t advertise their mortgage interest rates anywhere online. So it’s impossible to know how competitive they are pricing-wise.

If we consider the fact that most of their loan volume comes from purchases as opposed to refinances, we could guess that their mortgage rates probably aren’t super competitive.

Or at least not necessarily lower than the competition. After all, if they had the lowest price out there they’d probably want to advertise it, or at minimum make it known somewhere.

My guess is their rates are run-of-the-mill, but again, that’s just speculation.

If you do include Academy in your mortgage loan search, be sure to compare rates and closing costs to other lenders to see where they stand.

What Academy Mortgage Offers

  • The company offers a variety of home purchase and refinance solutions
  • Including conventional, jumbo, FHA, VA, and USDA options
  • You can get any number of fixed or adjustable-rate products
  • And even a zero down home loan via their exclusive GSFA Platinum Program

The company calls itself a “top-tier lender” when it comes to purchase loans, FHA loans, and builder loans.

This includes home purchase loans, refinance loans, renovation loans, and streamline refinance options.

You can get the basic Fannie Mae and Freddie Mac-backed conventional loans that allow for down payment as low as 3%.

They come in a variety of fixed-rate options, including 30-year, 25-year, 20-year, 15-year, and 10-year terms. That’s typically more choices than most lenders offer.

Academy also offers the usual adjustable-rate mortgage options, including a 10/1 ARM, 7/1 ARM, 5/1 ARM, and 3/1 ARM.

If you’re interested in a government home loan, they offer all the usual suspects including FHA loans, VA loans, and USDA loans, including FHA 203k renovation loans and FHA Energy-Efficient Mortgages.

It’s also possible to get a zero down home loan if you’re a first-time home buyer via their so-called exclusive GSFA Platinum Program, which includes a grant for up to 5% of the loan amount to cover down payment and closing costs.

The grant funds, which are provided by the Golden State Finance Authority, aren’t required to be paid back if certain conditions are met.

Lastly, they offer jumbo home loans up to $1.5 million loan amounts, with down payment requirements as low as 10%.

You may also be able to avoid PMI even when putting just 10% down!

Academy Mortgage Also Offers Commercial Loans

  • While they only operate a retail channel for residential mortgages
  • They do have a commercial lending division as well
  • It offers a very wide range of commercial and small business loans for commercial and multi-family properties

It should be pointed out that the company also offers commercial loans via a separate lending division.

Their offerings range from life insurance company loan programs to Fannie Mae and Freddie Mac programs for apartment buyers.

They also offer conduit loans and conventional loan programs for those wishing to purchase a commercial property.

Additionally, they offer multi-family loan programs, including those backed by the FHA/HUD, along with construction and bridge loans.

Lastly, you can get your hands on a variety of Small Business Administration (SBA) loans, including the SBA 7(a) Program and the SBA 504 Program.

So the appear to have you well covered if you need a commercial loan for just about any purpose.

The Verdict on Academy Mortgage

  • What they appear to lack in technology might be more than made up for by their excellent customer service
  • They have a near-five star rating on Zillow (4.96 out of 5 at last glance)
  • Which is even more impressive based on the many reviews completed (nearly 25,000!)
  • So if you want a great home loan experience they might be a great fit

While they seem to be a good lender on paper, with both high marks on customer service and awards for being a great place to work, we don’t know much about their rates and fees.

For those interested in securing the lowest-cost mortgage, some more digging and comparing will be necessary to see if they’re the right choice.

Academy doesn’t highlight any technology either, which seems to be a major factor these days for a lot of consumers.

There’s no mention of a digital or paperless process, a smartphone app, or anything really on that front. That’s not to say it doesn’t exist, but chances are if it did, it’d be emphasized.

But they’re a top-20 home purchase loan lender, which that says something, especially since they don’t seem to advertise very much.

Perhaps the service speaks for itself, and they receive a lot of referrals from past customers and real estate agents.

They have an excellent rating on Zillow, with 4.96 stars out of 5 on nearly 25,000 reviews at last glance.

(photo: m01229)

Source: thetruthaboutmortgage.com

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We often watch HGTV for contemporary design quirks that may influence how we decorate in the future – but sometimes, designers remind us of historical features that have an unwavering place in modern homes. And this is the case with Jenny Mars. 

The Fixer to Fabulous designer has renovated countless historic houses around Bentonville, Arkansas, meaning she is often tasked with accentuating their original charm and features. Her solution often involves installing wall paneling – a century-old decorating trick that instantly emphasizes the home’s heritage. However, we don’t need to live in a historic home to experiment with this technique. 

website, Jenny accentuates a living room by installing wood paneling to maintain the original charm of the room while creating a luxurious aesthetic – and designers understand why this look is so timeless. 

Wooden paneling first emerged as a form of wall decor in the 13th century, when King Henry III imported wood from Norway and used it to line his rooms at Windsor Castle. In the decades and centuries that followed, decorative paneling evolved into a fine art. 

This feature has excellent thermal insulation properties, but alongside its practical assets, homeowners, designers, and artists alike have used wood paneling for its ornate aesthetic – seen firstly in the embellished linen-fold paneling that became popular in the 15th century.

Today, wood paneling is similarly admired for its good looks – hence why it is so admired by the likes of Jenny Marrs. But what makes it so eternally sought-after? New York-based designer, Artem Kropovinsky, says it comes down to three key factors. 

‘Firstly, wooden panels are admired for their timeless charm, that stems from their natural origin,’ he says. ‘Secondly, their adaptability allows for customization to match any home decor style. And thirdly, their durability ensures longevity. Lastly, they instill a sense of warmth and sophistication in any setting.’

(Image credit: Jonathan Adler)

Artem Kropovinsky

design trends are rooted far in the past. And we would say that’s the case with Jenny Marrs’ go-to. 

Source: homesandgardens.com

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Lennar Corporation, one of the nation’s largest homebuilders, announced on Monday that Rick Beckwitt, co-CEO and co-president, has decided to retire and resign as a member of the board of directors, effective on September 1, 2023. 

Beckwitt, who joined the company in 2006 as executive vice president, has held the CEO position since April 2018. In 2020, he was joined by Jon Jaffe as co-CEO and co-president. Jaffe will be president and co-CEO with Stuart Miller, who is Lennar’s executive chairman. 

During his 17 years at Lennar, Beckwitt helped the homebuilder weather the collapse of the housing and finance industries amid the Great Recession of 2008. In addition, Lennar said in a statement that Beckwitt stabilized and fortified the firm’s foundation to grow. 

“With the help of Rick’s partnership over these past 17 years, we are very well positioned for continued growth, improved productivity, and innovation in the future,” Miller said in a statement.  

Jaffe added, “Over the last years, we have grown revenues and improved efficiencies across the Lennar platform.” 

More recently, Beckwitt helped Lennar navigate the most challenging housing market in decades. Surging mortgage rates resulted in cancelations and reduced profits for Lennar and other homebuilders, who still had persistent supply chain issues and worker shortages.

In the second quarter of 2023, the company reported $871 million in net earnings attributable to Lennar, compared to $1.32 billion in the same period last year. 

But the company sees a recovery on the horizon. In a recent interview with Bloomberg, Miller called for an end to falling housing prices, he said had come down “about 10%.”

Miller, commenting on the company’s second-quarter 2023 earnings, said that Lennar “Continued to see the housing market normalize and recover from the Federal Reserve’s 2022 aggressive interest rate hikes in response to elevated inflation.”

“As consumers have come to accept a ‘new normal’ range for interest rates, demand has accelerated, leaving the market to reconcile the chronic supply shortage derived from over a decade of production deficits.”

For the first time in nearly a year, homebuilder confidence in June moved into positive territory thanks to strong consumer demand, limited competition from the existing home sales market, and an improving supply chain, according to the National Home Builders Association.

Homebuilders, however, are also looking at the single-family rental market. In December, according to a Bloomberg report, Lennar offered to sell some 5,000 homes to investors in the SFR market. Lennar in 2021, with partners Allianz Real Estate and Centerbridge Partners, launched a subsidiary to acquire and operate SFR and multifamily properties. 

Lennar’s shares, which reached $116.91 in December 2021, closed at $130.37 on Monday afternoon, down 2.87%.

Source: housingwire.com

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It wasn’t until I had children that I really started to think about the products and food I was buying and consuming. 

I wanted to know what I was putting on my babies’ skin and in their bodies. I wanted to know what type of material their tiny little clothes were made from and was contained in their diaper cream and baby shampoo. 

Honestly, this process was illuminating and a bit concerning at times. While I assumed the powers that be are looking out for us in terms of the quality and standards around products and food, I was surprised by some of the ingredients that are considered okay.

Similarly, while it’s nice to think that every company supports adequate working conditions, fair pay, and environmental practices – when I started to do some research I found that this is not always the case.

For me, having children was the catalyst that pushed me towards becoming a more conscious consumer. I really started to think about what I was buying, where it was coming from, and the values of the company I was supporting. And I’m not alone in this. More and more people are moving away from blind consumerism and towards a more deliberate and informed way of consuming. 

Read on to find out what conscious consumerism is, why it’s important, and how you can begin to implement conscious consumer practices into your day-to-day life.  

What’s Ahead:

What is conscious consumerism?

Conscious consumerism is the practice of becoming more aware of your purchase decisions. 

A conscious consumer thinks before swiping a credit card or emptying their Amazon shopping cart. A conscious consumer considers how their spending is affecting society at large with a social, environmental, political, or economic lens.

Simply put, conscious consumerism is about aligning your values with your purchases.  

Why does conscious consumerism matter?

While our individual decisions and behaviors can feel insignificant in the grand scheme of things, just remember that all change starts with the individual. If you want to see more companies thriving that value their employees and the environment, then you need to start supporting these organizations.

Here are a few reasons why conscious consumerism matters at an individual and societal level. 

It promotes change

Conscious consumerism matters because you vote with your wallets on a daily basis. When you buy a product from a company that doesn’t provide fair treatment or fair compensation to their employees or companies that don’t support important social movements, you are supporting those values. Values that you may not agree with. 

If we want companies to change their ways and do better, then we need to put pressure on them. If we continue to buy products from companies that we don’t believe in, then there is no reason for them to change.

And people are voting. In a survey by Empower of 1,000 Americans, 60% of respondents said that they had stopped spending money at companies based on their social beliefs – this was for reasons like not agreeing with their approach to COVID-19 precautions or not agreeing with their political point of view. 

It promotes awareness

Conscious consumerism also promotes awareness. Rather than making blind purchases from companies you know nothing about, the process of becoming a conscious consumer encourages you to dig deeper, to explore your values, and to find companies and products that match them. 

It’s good for you, and others

Conscious consumerism also matters because it’s good for you. As an example, think about buying local, organic food as opposed to unhealthy, processed food. 

Organic food is a conscious choice and a healthier choice. It’s also better for the environment. The same is true when it comes to the clothing you wear or the products that you put on your body. The local, sustainable, ethical products are usually better for you, the employees producing the products, and the environment. 

Can just anyone be a conscious consumer?

The answer to this is a little bit more complicated than you might think. 

In theory, yes. Anyone can become a conscious consumer. All of us can think about what we value and then use the internet to research companies or products that align with these values.  

In practice, it can be more difficult.

Ethically sourced, sustainable products are expensive. The reason fast fashion and fast food are so popular is because they’re affordable. The reason so many celebrities preach the value of “organic this,” and “sustainable that,” is because they can afford to purchase quality items. 

While many people want to eat only organic, locally sourced, and sustainable food, it’s not always a reality because of cost.

It also takes time, effort, and energy to research companies and products that align with your views. People who are consumed with working multiple jobs in order to put food on the table for their family don’t have the luxury of researching each and every purchase.  

Assuming most of us value fair pay, positive social change, and sustainable products, we also value efficiency and convenience. There’s a bit of a tug-of-war between our desire to purchase the products we believe in and the ease and affordability of things like fast fashion. 

How do you implement conscious consumerism ideals and practices in your own life?

While becoming a conscious consumer takes time and effort, there are varying levels of engagement. It’s not an all or nothing deal. You don’t have to be an extremist. You can take baby steps when entering into this practice. 

Here are a few ways you can begin to implement conscious consumerism into your own life. 

Assess your values

First, take some time to think about your values. What matters to you? Are you concerned with the state of the environment and the effects of global warming? Do you want to see the end of child labor? What social movements do you believe in? What kind of clothes do you want to wear? What kind of products do you want to put on your body? What kind of companies do you want to support?

How do you want to vote with your money? Not everyone will be motivated by the same things, and that’s okay. 

Look for Certified B Corporations

If you want to be a more conscious consumer, but you don’t have the time to research every company and product on the market, one thing you can do is look for certified B Corporations. 

Certified B Corporations are businesses that have met standards on social and environmental criteria as outlined by the B Lab. Certified B Corporations are concerned with more than just their bottom line. They care about things like the treatment of their employees and their environmental impact. 

Buy used

One simple way to practice conscious consumerism is to buy used products. By shopping at thrift stores you’re preventing items from ending up in the landfill. 

With online marketplaces like Poshmark and Letgo, it’s never been easier to buy and sell used items.

Buy local

Look to buy local products. When you purchase products locally from small business owners, you have a better chance of getting to know where your food and products are coming from. You’re also putting money into the hands of small business owners as opposed to enormous corporations.

Buying local also means the product doesn’t have to travel as far to get from the producer to you, the consumer. Less travel is better for the environment. 

Minimize consumption

Do you really need another shirt, another hat, a new iPhone, or another pair of shoes? I mean, really? 

Conscious consumerism isn’t just about deciding what companies you want to buy from, it’s also a question of whether you need to buy more. 

Part of being a conscious consumer is evaluating the impact of your purchases. Buying more for the sake of having more, often results in more waste. So, part of being a conscious consumer is knowing when to minimize your consumption. 

Use a water bottle

This is a super simple way to practice conscious consumerism. If you don’t want to add to the insane amount of plastic water bottles in our landfills and oceans then start using a reusable water bottle. It might seem small but it all adds up. Similarly, start using reusable coffee cups, straws, and food containers. 

Become a socially responsible investor

Traditional investing is all about the bottom line. Where you invest is based on what is going to yield the highest value. Socially Responsible Investing (SRI) still aims at making you money but it also takes environmental, social, and governance (ESG) issues into account. 

And, you don’t need to sacrifice returns to invest with a conscience. A study in the Economist reported that sustainable funds outperformed the broader market during a market downturn. 

  • Betterment offers socially responsible investing opportunities.* Betterment believes that you don’t have to choose between value-based investing and working towards your financial goals. They offer SRI portfolios that can help you to invest in your goals while staying true to your values.
  • Empower also offers SRI investing opportunities. They can help you to invest in companies that are managing their environmental, social, and governance issues and they make it easy to add these options to your portfolio. Empower will work with you to determine what investments align with your values whether you are looking for companies that value fair treatment of their employees or companies that care about environmental issues like carbon emissions.

*Higher bond allocation in your portfolio decreases the percentage attributable to socially responsible ETFs.

Research companies before you make a purchase

If you have the time to put into researching companies and products before making a purchase then by all means – do it. It’s all about awareness. The more you know about a company or product, the more confident you can feel that you are supporting a worthy company or removing your business from a corporation that doesn’t deserve it. 

Of course, it can be a challenge to find reliable information, and even when you do locate the details of a product, it can be difficult to interpret (I’m thinking of all the ingredients I can’t even pronounce when it comes to food or beauty products). 

If you want help identifying the environmental or ethical qualities of a company there are a number of different apps you can use such as Agreeable & Co or TradeMade.

What does the future of conscious consumerism look like?

If 2020 has taught us anything, it’s that we can’t predict the future. However, we can make some educated guesses as to where the future of consumerism is headed. 

Minimalism and the sharing economy

Over the past decades, we’ve seen a rise in trends like minimalism, tiny houses, and the sharing economy. 

Plant-based diets

There’s also been a trend towards reduced meat consumption with a rise of vegetarianism and veganism. Think about it, there were no Beyond Burger or Impossible Burgers twenty years ago. 

Socially responsible investing

The investing world is anticipating a similar trend. A 2020 article by CNBC suggests that socially and environmentally conscious investing options will be “the next mega-trend in equities.” 

The article quotes Peter Garnry, Head of Equity Strategy at Saxo Bank who says,

“We believe that these green stocks could, over time, become some of the world’s most valuable companies – even eclipsing the current technology monopolies as regulation accelerates during the coming decade.” 

Increased awareness and action

According to a white paper by Empower, more Americans are becoming more actively involved in regards to where their money is being invested as opposed to leaving it up to a financial advisor. 

This is especially true when it comes to the younger generations. In a survey of over 1,000 Americans, 55% of Millennials respondents reported that they chose the companies they wanted to invest in compared to 39% of Baby Boomers. 

Summary

The first step to becoming a conscious consumer is simply understanding what conscious consumerism is. It’s about understanding what you value and looking for opportunities to support the companies that you truly believe in. This is opposed to shopping blind and making purchases solely based on convenience and price. 

While it’s important to acknowledge that not everyone has the resources to be the consummate conscious consumer, we can all do our part. There are simple strategies like using a reusable water bottle or buying used products. So, if you’re ready to be a more conscious consumer then pick one small strategy and start today! 

(Personal Capital is now Empower)
Empower Personal Wealth, LLC (“EPW”) compensates Webpals Systems S. C LTD for new leads. Webpals Systems S. C LTD is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.

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Source: moneyunder30.com

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When it’s time to plan a vacation, you need to know that all-inclusive resorts are good again. In fact, the best all-inclusive resorts break the stereotypes of watered-down drinks, mediocre food, kitschy activities and dated accommodations that need a face-lift.

Even better, the very best all-inclusive resorts truly span the globe, from the beaches of Mexico to the deserts of Dubai.

So whether you’re looking for all-inclusive resorts perfect for honeymooners or something more family-friendly, this list has it all. And, even if you’ve been to an all-inclusive resort before, there are still common mistakes you should avoid. But the biggest mistake you can make is not giving all-inclusive resorts a chance in the first place.

Alila Ventana Big Sur

Big Sur, California, USA

ALILA VENTANA BIG SUR/FACEBOOK

Best for: Romantic weekends away or disconnecting in nature while surrounded by world-class amenities.

Why stay here: Alila Ventana Big Sur is arguably one of the best Hyatt properties in North America, perhaps even the world, thanks to its one-of-a-kind location in California’s coastal redwood groves and the value you can get from your Hyatt points.

There are many reasons to love this adults-only, luxury Hyatt resort on the rugged coast of California. One major reason is that, back in 2020, it converted to an all-inclusive model. The 59 guest rooms and suites are chic and cozy. Each comes with a balcony or private deck, scenic views, a stocked mini-bar, a walk-in shower and a soaking tub. Many rooms even have fireplaces and hot tubs.

With Ventana’s inclusive offerings, guests can enjoy modern American meals at The Sur House, which uses local ingredients and organic produce grown on the property. Just note that alcohol is not included in the package. Guests can unwind with yoga, daily hikes, or reserved access to indoor or outdoor wellness studios. Take the day to chill in the sun at one of the pools, slip away to the Japanese hot baths for some mountainside serenity or hit up Spa Alila — the first in the U.S. — for a Body Renewal Reitutal starting at $330.

Rates at Alila Ventana Big Sur start around $1,300 per night for double occupancy, including all meals and various activities. World of Hyatt members can book this Category 8 property from 35,000 to 45,000 points per night.

Hyatt Zilara and Hyatt Ziva Cap Cana

Punta Cana, Dominican Republic

HYATT ZIVA CAP CANA/HYATT

Best for: Ziva is a great sunny beach retreat for families while Zilara is a chic destination for adults traveling as couples or with a group of friends.

Why stay here: This upscale Hyatt property is divided into two distinct resorts, the family-friendly Ziva and adults-only Zilara, both of which have a variety of restaurants and bars, stunning beaches and pools that make for a great use of World of Hyatt points.

At Hyatt’s sister Zilara and Ziva resorts in Cap Cana (a luxury, gated resort area in Punta Cana), adults can take advantage of both areas of the dual-branded property. Children are restricted to the Ziva side. Kids (and kids at heart) will enjoy the Canapolis Waterpark which has a handful of adrenaline-inducing slides. Adults looking for something more relaxing can hit up the cenote-inspired spa.

The resort is truly massive with more than 700 oceanview suites split between Ziva and Zilara; these include swim-up suites, one-bedroom options and even rooms with direct beach access. There are almost more restaurants and bars than you can imagine. Some highlights are French-Polynesian restaurant Brando’s, an Indian restaurant in a train-like setting and an Asian joint with teppan grills. There are also multiple buffets, coffee shops, beach and pool bars, and sports and martini bars. Also, 24-hour room service will help with those late-night cravings.

Rates for Hyatt Zilara and Hyatt Ziva Cap Cana start at $539, based on double occupancy. As a Hyatt All-Inclusive Category E property, award nights are 35,000 to 45,000 points per night for double occupancy. Additional guests require an additional 17,500 to 23,000 points per person, per night.

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Al Maha, a Luxury Collection Resort & Spa, Dubai

Dubai, United Arab Emirates

AL MAHA/MARRIOTT

Best for: Travelers looking for a once-in-a-lifetime experience that can be thrilling, romantic, cultural and relaxing.

Why stay here: This desert resort offers luxurious accommodations and the perfect balance of relaxing moments and adventurous activities.

Dubai is known for its towering skyscrapers and over-the-top hotels. However, just 45 minutes outside of the overwhelming hustle and bustle is a desert oasis where guests can bask in the heat of the Dubai Desert Conservation Reserve or go for a sand-filled adventure. At this resort, part of Marriott’s Luxury Collection, each of the 42 suites features a plunge pool, a private deck and the utmost privacy. Plus they come with the chance to see gazelles and Arabian oryxes roaming in the wild.

While visiting, take a camel ride through the desert, learn the art of falconry or go on a desert drive to see some wildlife. If you need to relax, opt for a specialized treatment from the Timeless Spa — just don’t forget that two desert activities are included with full board.

Don’t worry about going hungry — food is serious business at Al Maha. Dining options are more gourmet than you might expect from an all-inclusive resort. Al Diwaan, the international restaurant, serves three meals a day with views of the reserve. Hajar Terrace Bar is the perfect place to sit back and take in the power of the desert, drink in hand.

Rates at Al Maha start around $720 a night for double occupancy or 88,000 Marriott Bonvoy points per night.

Grand Velas Los Cabos

Los Cabos, Cabo San Lucas, Mexico

GRAND VELAS LOS CABOS/FACEBOOK

Best for: Families, groups of friends or romantic escapes.

Why stay here: One of the most popular all-inclusive resorts in Mexico, Grand Velas Los Cabos has incredible food, great pools and beaches and is made up of all ocean-view suites over 1,000 square feet.

Grand Velas Los Cabos has a lot to offer guests spending a few nights in Baja California. It’s an all-suite property where every room has stunning ocean views, a spa-style bathroom with Jacuzzi tubs and large terraces to soak up the salty air.

Outside the rooms, guests can enjoy delicious food from seven upscale restaurants. Options include a 10-course tasting menu of international flavors at Cocina de Autor; French, Mexican and Italian spots; and a buffet.

The resort also offers Mexican cooking classes, yoga and a kids club. Paid activities range from whale watching to off-roading on all-terrain vehicles to camel excursions on the beach. Undercurrents prevent swimming at the resort’s beach, but there are three infinity pools — including a family-friendly one — overlooking the ocean. At the 35,000-square-foot SE Spa by Grand Velas, a spa valet can make all your wellness dreams come true.

Rates at Grand Velas Los Cabos start at $1,035 a night based on double occupancy.

Hilton Rose Hall Resort & Spa

Montego Bay, Jamaica

HILTON ROSE HALL/FACEBOOK

Best for: Families looking for a fun beach vacation without breaking the bank.

Why stay here: With a solid water park and a beautiful beach, the Hilton Rose Hall Resort & Spa has a lot to offer at an affordable price.

When we sent a reviewer to Hilton Rose Hall in 2021, he was impressed enough to give it our “recommended” seal of approval — and it’s easy to see why. The property boasts a beautiful, well-maintained beach, free nonmotorized water sports equipment (like kayaks and water tricycles), tennis and basketball courts, a 24-hour fitness center and plenty of entertainment, such as karaoke and DJs.

A great resort for families, it has everything the kiddos could want, including a massive 280-foot waterslide at Sugar Mill Falls, the on-site waterpark (and one of the largest in Jamaica). Across its nine bars and restaurants, even the pickiest eaters are sure to find something they love; among the options are Italian fare, Caribbean classics and an American burger bar. For adults, a swim-up pool bar slings island favorites during the day while an open-air cocktail bar is a great place to end the night.

Rates at Hilton Rose Hall Resort & Spa start as low as $325 a night, based on double occupancy, while Hilton Honors members can book an award night starting at 74,000 points per night.

Castle Hot Springs

Morristown, Arizona, USA

CASTLE HOT SPRINGS

Best for: A reenergizing weekend away, a romantic escape or a girls trip.

Why stay here: A tranquil oasis in the middle of the desert, this resort, which doesn’t require a passport to visit, is an all-inclusive experience rooted in the healing powers of mineral-rich hot springs.

You might be surprised to learn that there are a handful of deluxe all-inclusive resorts in the U.S., and Castle Hot Springs — a luxury desert oasis about an hour north of Phoenix — is one of the best. Its 30 stand-alone bungalows and cabins are tucked away in a lush setting full of palm trees spread across 1,100 acres. Dating back to the late 1800s, the resort’s natural hot springs (which range from 86 to 106 degrees Fahrenheit) have been helping people stay healthy and relaxed for decades.

Stays at Castle Hot Springs include breakfast, lunch and a five-course tasting menu for dinner each evening, all crafted with select ingredients grown at the resort. A $25 daily drink credit is available per guest. The rate also includes activities like yoga, meditation, farm tours, guided hikes and exclusive access to the hot springs. Additional experiences are available for a fee, including spa and wellness treatments; more adventurous options include UTV tours, and the elevated adventure course and aerial walkway.

Rates at Castle Hot Springs start at $1,250 per night, based on double occupancy. Two- and three-night minimums are required for most dates and the resort is closed seasonally for most of July and August.

The Westin Reserva Conchal, an All-Inclusive Golf Resort & Spa

Playa Conchal, Guanacaste, Costa Rica

THE WESTIN RESERVA CONCHAL/MARRIOTT

Best for: Active travelers who want to immerse themselves in the natural beauty of Costa Rica.

Why stay here: An inviting beachfront property with upscale amenities, superb service and manicured grounds.

All-inclusive resorts in Costa Rica just hit different, thanks to the combination of beautiful beaches and tropical rainforests. At the Westin Reserva Conchal resort, you get the best of both. Set on 2,400 acres, the resort has a lagoon-style pool as well as access to a championship golf course, tennis courts and pristine beaches.

With 406 rooms — ranging from entry-level deluxe junior suites with a balcony to club-level suites (with access to the club lounge and private pool) and larger family suites — there’s plenty of room for the entire family to spread out. Families can take advantage of the kids club or go for a three-hour hike in the rainforest. The resort fields a handful of bars and restaurants, including a barbecue joint, seafood options and a steakhouse.

Rates at The Westin Reserva Conchal start at $425 a night while Marriott Bonvoy members can book award nights starting at 71,500 points per night, both based on double occupancy.

Hilton Cancun, an All-Inclusive Resort

Cancun, Mexico

HILTON CANCUN/VRX STUDIOS/FACEBOOK

Best for: Families who want to enjoy a contemporary resort that breaks the all-inclusive mold.

Why stay here: This new upscale resort from Hilton is redefining the brand’s take on the all-inclusive model and has a lot to offer guests of all ages looking for a mix of fun and relaxation in Cancun.

In Mexico, Hilton has been opening new hotels left and right, one of which is Hilton Cancun, an All-Inclusive Resort. Each of the resort’s 715 guest rooms and suites has a balcony. Also, select premium suites offer swim-up pools and extra outdoor space. The crafts of local artisans inspire the rooms’ decor, which is full of modern touches like subtle pops of color and plenty of charging ports.

Activities abound at this Hilton. Guests can partake in arts and crafts, sports on the beach, nightly fiestas with music and themed parties. A great resort for families, a kids club is available to occupy young children, as is a designated family pool with a splash playground. A teen club is available for the older ones, too. This resort shares grounds and some facilities with the new, ultra-luxe Waldorf Astoria Cancun.

With 12 dining options, there’s a meal for every appetite. There is traditional Mexican food at Maxal, wood-fired pizza at Italian trattoria La Luce, a Southeast Asian-inspired menu at Auma, and unlimited ice cream and churros at La Churrería.

Rates at Hilton Cancun, an All-Inclusive Resort start at $333 a night, based on double occupancy, while Hilton Honors members can book an award night starting at 95,000 points per night.

Mohonk Mountain House

New Paltz, New York, USA

MOHONK MOUNTAIN HOUSE/MOHONK

Best for: Families wanting to explore the great outdoors, history lovers and couples looking for a unique but intimate experience.

Why stay here: Feel like you’re in Europe any time of the year at this charming and historic resort that offers more activities than you could possibly have time for.

Believe it or not, the Hudson Valley is home to a picture-perfect, fairytale-like castle that offers year-round fun for the whole family (or a dreamy romantic retreat). This all-inclusive resort sits just 90 minutes from New York City.

Mohonk Mountain House, which dates back to 1869, is set within 40,000 acres of forest. It offers ample space for hiking, horseback riding, learning archery or ax throwing, and canoeing on the lake (where you can bask in the faux Victorian castle’s beauty).

Guests at Mohonk receive three included meals a day (alcohol is additional) from an upscale buffet or one of the specialty restaurants. The Main Dining Room has breathtaking views of the Catskills Mountains to accompany the farm-to-table dishes and wine pairings.

A treatment from the spa is not included, but worth the splurge. The 60-minute Mohonk Red massage treatment ($240), which uses the distinct “Mohonk Red” witch hazel growing on the property, is a highlight.

When you enter your room, you’ll immediately be transported back to the grand days of the past thanks to traditional decor; gilt wallpaper, sturdy wooden furniture and views of the forest and mountains create a memorable ambience. The move here is to opt for a room with a balcony and fireplace, like one of the Victorian Rooms, so you can have a special experience. If you’re worried about getting the fire going, ring reception and they’ll send someone up to do it for you.

Rates at Mohonk Mountain House are typically over $1,000 a night, based on double occupancy. Kids under 12 stay and eat for free during select weeks each year (limited to one child per adult guest, two children maximum).

Nihi Sumba

Hoba Wawi, Sumba, Indonesia

NIHI SUMBA/FACEBOOK

Best for: Travelers of all types looking for a highly curated and customizable, once-in-a-lifetime vacation in a destination that feels like the ends of the earth.

Why stay here: Private luxury on a beautiful and unspoiled island where no request is too much.

If you want a tailor-made luxury experience, and one that’s all-inclusive, look no further than Nihi Sumba, one of the world’s dreamiest — and most talked about — resorts. It’s a little tough to get to (because it requires a trip to Bali and a connecting flight to Tambolaka Airport as well as a more than hourlong car ride or a private helicopter transport). Still, the jet lag quickly fades away once you get settled in one of the resort’s 27 villas. Villas have a private pool, canopy beds, views of the Indian Ocean and even handmade chocolate waiting in the mini-fridge.

Guests who check into Nihi Sumba can eat at Ombak, an open-air, sandy-floored restaurant serving a la carte breakfast and dinner. Or, they can enjoy fresh-caught fish and pizza made with organic ingredients grown by the property at Nio Beach Club & Pool.

As for activities, it’s impossible to decide between swimming with horses, stand-up paddle boarding in the crystal-clear water, hiking to a beautiful waterfall or just lazing by the pool. Luckily, you don’t have to choose — the resort wants you to have it all (though some activities are an extra expense).

Rates at Nihi Sumba start at $895 during the shoulder season and $1,795 during the high season per villa, per night based on double occupancy.

Miraval Berkshires

Lenox, Massachusetts, USA

MIRAVAL BERKSHIRES/MIRAVAL

Best for: Couples who simply need to unwind.

Why stay here: This luxury wellness retreat is the place to trade the fast pace of the modern world for a tranquil retreat … and use Hyatt points to do it.

Hyatt’s wellness-centered Miraval brand has three locations across the country, and we’re big fans of all of them. We’re exceptionally smitten with the baronial outpost in the Berkshires, though. At this adults-only resort, focusing on yourself is the primary task of any visit. Rates include “life-enhancing wellbeing activities” such as yoga, hiking, aqua barre classes in the pool and nutrition classes. Paid experiences include pottery, archery and even therapeutic sessions with horses.

Accommodations at Miraval Berkshires range from spa-inspired guest rooms stocked with Tibetan singing bowls and meditation cushions to 600-square-foot suites with balconies. The resort’s newest offering, Wyndhurst Mansion, is a Gilded-age stunner with ten rooms and suites named after famed writers. Rates include three meals daily at the health-conscious restaurant Harvest Moon or through in-room dining. For an extra fee, head to 1894 for a four-course prix fixe menu with dishes like black truffle risotto or dry-aged bison ribeye served through an interactive experience.

Rates at Miraval Berkshires start at $1,154 per night or 57,500 or 72,000 points per night, both based on double occupancy. Note that every award booking includes a $175 resort credit per person.

Hilton Vallarta Riviera All-Inclusive Resort

Puerta Vallarta, Jalisco, Mexico

HILTON VALLARTA RIVIERA ALL-INCLUSIVE RESORT/FACEBOOK

Best for: Families, friends and couples looking for a good value at a great resort.

Why stay here: Right on the beach but also a 15-minute taxi ride to the city center, this large resort has a lot to offer, including balconies and ocean views from every room.

If you’re looking to escape the party scene of Cancun, give Puerto Vallarta a chance — and book a great stay at this towering Hilton all-inclusive resort. It has 444 rooms and suites, each of which has a private balcony and ocean views. For an exclusive-feeling experience, book a club-level room to access a private check-in area, the club lounge and its daily happy hour.

Take a culinary trip around the world by visiting the resort’s Italian, Asian and Mexican restaurants, or grab a juicy steak at Seasalt steakhouse. Like all the best all-inclusive resorts, room service is available 24/7.

By day, catch some rays by the pool or on the beach; at night hit up the sunset pool party for dancing or attend the evening fiesta for live entertainment. If you’d rather take it slow, visit the Eforea Spa to sweat away the day in the steam room or get a Hawaiian-inspired, deep-tissue massage.

Rates at Hilton Vallarta Riviera All-Inclusive Resort start at $330 a night or 80,000 points per night, based on double occupancy.

Jade Mountain

Soufrière, St. Lucia

JADE MOUNTAIN/FACEBOOK

Best for: Enjoying tropical mountain views in a luxurious setting.

Why stay here: Jade Mountain offers an ultra-romantic and high-end atmosphere with large private pools in open-air guest rooms that look out over the Pitons.

St. Lucia is one of the most beautiful islands in the Caribbean, and Jade Mountain — an independent resort offering all-inclusive pricing options — might be one of the most beautiful resorts. There are picture-perfect views of the island and its geological splendors from each of the 24 unique “sanctuaries,” or suites. Every accommodation (except for whirlpool suites) also includes a large private infinity pool, 15-foot-high ceilings and an open fourth wall to allow for unobstructed views of paradise.

Meals of “tropical cuisine” are served around an infinity pool at Jade Mountain Club, helmed by James Beard Award-winning chef Allen Susser. At the Kai en Ciel spa, couples can indulge in “The Alchemy of Two,” a 110-minute experience ($595) that unites the loving duo through massages, poetry and handcrafted chocolates. Couples who want to take their Jade Mountain stay to the next level can book the “Total Romance” package. It starts at $6,980 for a three-night stay, and it includes three meals daily, most alcoholic drinks, a bottle of Champagne, a snorkel trip, a scuba diving lesson, one-hour massages, jungle biking, a yacht sail and more.

Rates at Jade Mountain start at $1,675 per night based on double occupancy.

Blackberry Farm

Walland, Tennessee, USA

BLACKBERRY FARM/FACEBOOK

Best for: Anyone who loves food, as well as couples and even larger groups looking for something special.

Why stay here: Fresh, delicious food is front and center at this farm-style resort near one of the country’s most popular national parks.

Tucked away in the foothills of the Smoky Mountains, Blackberry Farm is a 4,200-acre estate that’s one part working farm, one part luxury hotel and one part culinary destination that attracts visitors from all over the world to East Tennessee. Stays here include all meals, from dinner on the night of arrival through lunch on the day of checkout. Menus consist of “Blackberry Farm’s Foothills Cuisine,” made with local products and seasonal ingredients grown in the four-acre garden.

There are just 69 accommodations. They range from Historic Rooms decorated with period pieces to Hill Cottages which average 1,080 square feet and feature fireplaces, front porch rocking chairs and a personal golf cart.

For bigger groups, book a self-contained house that has three to five bedrooms. Beyond simply coming for the mouthwatering food, activities abound (many of which cost an extra fee). Go hiking, fly fishing, horseback riding, cycling, or do yoga. You can even take a hand at shooting spring clays. There’s a spa with a slew of rejuvenating wellness treatments and even concerts with major headliners (like the country group Little Big Town) scheduled throughout the year.

Nightly rates at Blackberry Farm start at $1,045 per night and require a three-night minimum stay.

Excellence Playa Mujeres

Cancun, Quintana Roo, Mexico

EXCELLENCE PLAYA MUJERES/FACEBOOK

Best for: Travelers looking for an intimate all-inclusive experience that’s truly elevated.

Why stay here: At this truly luxe resort, everything you think you know about an all-inclusive experience is turned on its head, starting with understated but chic rooms and suites.

Booking an all-inclusive resort in Cancun can be tough thanks to the sheer number of options, but for an upscale all-inclusive experience, look no further than Excellence Playa Mujeres. Every room is a suite and includes picture windows, outdoor spaces, romantic oversized Jacuzzis, rainfall showers and natural design elements.

There’s even a club-level option that offers upgraded amenities like Bulgari bath products and top-shelf liquors (not to mention access to a private beach and pools, and the club lounge).

At the resort, dining options include The Lobster House, a restaurant specializing in juicy crustaceans. There is classic French fare at Chez Isabelle and bold Mexican cuisine at Agave. Stop at the lobby bar, Martini, for a stiff take on the eponymous classic or enjoy a handful of other bars dotting the resort.

With a total of seven pools and a beach, there are plenty of loungers to go around. For even more fun, borrow snorkeling gear, take a dance or Spanish lesson, or head to the theater (and its Stars bar) for a night of live entertainment. When you need some “me time,” head to the Miilé Spa for a treatment.

Rates at Excellence Playa Mujeres start at $536 a night, based on double occupancy.

South of Cancun in Playa Del Carmen, this Hilton all-inclusive resort checks all the boxes for travelers who want to show up and let the hotel take care of every detail for them. Thanks to the 14 bars and restaurants — including sushi at Asiana, multiple Mexican restaurants and even an outdoor tequila bar — there’s no chance you’ll go hungry. With an Olympic-size pool, live entertainment, a rooftop tennis court, dancing lessons and the Innan Spa, you’ll also never be bored.

When it’s time to retreat to the room, you’ll be comfortable no matter which type of room you choose. You can crash in an entry-level, 653-square-foot junior suite with a 55-inch TV, furnished patio and whirlpool spa; or a beachfront walkout suite that allows you to open your doors to the salty air and sounds of crashing waves. Even better, 24-hour room service and an in-room bar restocked daily mean you technically never have to leave the suite if you don’t want to.

Rates at Hilton Playa Del Carmen start at $293 a night or 65,000 Hilton Honors points, based on double occupancy.

Twin Farms

Barnard, Vermont, USA

TWIN FARMS VT/FACEBOOK

Best for: Adults looking for an all-inclusive experience that’s cozy, rustic and quintessential New England.

Why stay here: At Twin Farms, you get exactly what you want thanks to staff members whose main goal is to make your every dream come true.

Not everyone loves the all-inclusive spirit, but at Vermont’s Twin Farms, the experience is so unique, even the biggest naysayer will fall in love.

Guests can find seclusion in the 20 individually designed suites and cottages decorated with art that stands well above what you’d find in a regular hotel. The various design aesthetics look like they came straight from the pages of a fashion magazine. In addition to rooms, the all-inclusive experience includes meals, wines and spirits at the restaurant or in your suite or cottage. You can even order lunch to be served as a picnic anywhere on the 300-acre property.

Guests can take advantage of the resort’s long activity list which includes canoeing, kayaking, fly fishing, snowshoeing, sledding and even skiing on Twin Farm’s private mountain — necessary equipment and instruction included.

At the fitness center, yoga classes and Peloton bikes are on offer. Meanwhile, the Bridge House Spa’s menu includes facials, massages and in-room rituals for an extra fee. To really let it all go, especially if you visit in the snowy winter, make sure to go for a soak in the Japanese furo — a unique experience that’s included with your stay.

Rates at Twin Farms start at $2,550, based on double occupancy.

Hyatt Ziva Los Cabos

San Jose del Cabo, Baja California Sur, Mexico

HYATT ZIVA LOS CABOS/FACEBOOK

Best for: Families wanting an upscale and memorable experience where everything is taken care of for you.

Why stay here: Hyatt’s Ziva brand is one of the best all-inclusive experiences money (or points) can buy.

Hotels and resorts are a dime a dozen in the Cabo area, but Hyatt’s Ziva resort is one of the best all-inclusive options. And, thanks to the World of Hyatt’s generous points chart, it’s also one of the best places to burn some Hyatt points for a memorable vacation.

This Ziva has seven restaurants and seven bars to indulge at. Whether you’re getting dinner with a show at the Japanese restaurant Dozo or eating fresh grilled seafood at beachside Cortez, know you’ll go to bed full.

With 591 rooms and suites, guests can stay in a standard 584-square-foot Master King or double with furnished balconies and hydro-massage bathtubs; or they can opt for a club-level suite, which includes swim-up options, a private check-in area and access to the club lounge.

For families, the Kidz Club has a water park with slides and supervised activities. Meanwhile, parents can hit the adults-only pool and bar area. At the two-story Zen Spa, 19 indoor-outdoor treatment rooms are available for a moment of calm. You might need the relaxation after taking advantage of the resort’s “Olympics” beach games, dance lessons and live shows.

Rates at Hyatt Ziva Los Cabos start at $520 a night, based on double occupancy. As a Category D all-inclusive resort in the World of Hyatt program, award nights cost 25,000 to 35,000 points per night, based on double occupancy. Additional guests require an additional 13,00 to 17,000 points per night, per guest.

Breathless Cabo San Lucas Resort & Spa

Cabo San Lucas, Baja California Sur, Mexico

BREATHLESS LOS CABOS

Best for: Adult travelers looking for a high-energy all-inclusive that knows how to party.

Why stay here: This resort wants to make sure guests have a good time in busy Cabo.

Some all-inclusive resorts are about sitting back and relaxing. Others, like Breathless Cabo, are designed to provide moments of tranquility but are also big on the party scene. Guests can enjoy a robust lineup of entertainment options from bubble parties to carnival-themed Champagne pool parties — all with a live DJ. When it gets too much, guests can retreat to the quieter infinity pool overlooking the marina or visit the spa for a hot stone massage to work out all the knots.

All 169 rooms have either a private balcony or terrace with marina views. Expect chic design, stocked minibars, 24-hour concierge service and room service. You can upgrade to an Xhale club suite and get access to personalized check-in service, the club lounge with premium liquors and snacks, upgraded minibars and even a pillow menu.

There are seven bars and restaurants at this Breathless, including a contemporary tapas bar, Mediterranean and Italian options, and a beachside grill. Speaking of the beach, this resort has one of the few swimmable ones in the area.

Rates at Breathless Los Cabos start at $479 a night, based on double occupancy. As a Category C all-inclusive resort in the World of Hyatt program, award nights cost 21,000 to 29,000 points per night, based on double occupancy. Additional guests require an additional 10,500 to 14,5000 points per night, per guest.

The Ranch at Rock Creek

Philipsburg, Montana, USA

THE RANCH AT ROCK CREEK/FACEBOOK

Best for: Families, couples and everyone in between looking for a Western-style vacation that’s equally rugged and luxurious.

Why stay here: There’s no better way to experience the sheer wonder of Montana’s great outdoors than at this all-inclusive ranch with numerous activities and delicious food.

A trip to Montana’s beautiful, natural landscape should be on everyone’s must-experience list. At The Ranch at Rock Creek, you can have the best of it all without worrying about every little detail: The resort’s all-inclusive pricing means most of what you want to experience is already paid for.

Guests can choose from 29 accommodation options which range from glamping tents and cabins to multiroom homes and even a historic barn converted into three suites that can be booked together or separately.

During a visit to The Ranch, guests can enjoy (upscale) cowboy-style food with various dining options for breakfast; they can tuck into lunch at the Buckle Barn and dinners with creative menus that rotate seasonally. For entertainment, there are summer rodeos with a barbecue, autumn dinners with barn dances and tasting menus organized by the chef.

For fun, learn the art of archery, go fly fishing or try horseback riding. In the winter, enjoy sports like snowboarding and skiing, or simply take in the magic of fresh snow with a ride on a tube. A highly customizable experience, every reservation includes a “Ranch Ambassador” who helps plan every trip detail. All you have to do is show up and have the time of your life.

Rates at The Ranch at Rock Creek start at $2,000 a night, based on double occupancy.

Hyatt Ziva Puerto Vallarta

Puerto Vallarta, Mexico

HYATT ZIVA RUERTA VALLARTA/FACEBOOK

Best for: Whale-watchers and Hyatt loyalists looking for a quick and easy getaway on points.

Why stay here: A smart, secluded resort with something for everyone at a great price.

Another entry from Hyatt’s Ziva brand, the Puerto Vallarta property is a force to be reckoned with. Home to five restaurants and five bars, the culinary experience here is a trip across the globe with stops at an Italian trattoria, a beachside East Asian restaurant and an outpost serving Mexican cuisine. The resort has five infinity pools, including an adults-only pool, two kiddie pools and even an infinity-style hot tub. Guests can enjoy live entertainment nightly as well as activities such as non-motorized water sports, cooking demonstrations and daily fitness classes.

In the more than 335 rooms and suites, guests can expect ocean views, white marble bathrooms, large TVs, and — in select rooms and suites — hydro-massage bathtubs and rainfall-style showers. Club-level rooms and suites are available, offering in-room upgrades, private check-in areas and access to the club lounge. For a really special stay, splurge on a swim-up suite, so you can access semi-private pools directly from your room.

Rates at Hyatt Ziva Puerto Vallarta start at $360 a night, based on double occupancy. As a Hyatt All-Inclusive Category C property, award nights are 21,000 to 29,000 points per night for double occupancy. Additional guests require an additional 10,500 to 14,500 points per person, per night.

Sandals Royal Bahamian

Nassau, Bahamas

SANDALS ROYAL BAHAMIAN/SANDALS

Best for: Couples who want a romantic getaway.

Why stay here: An adults-only resort designed specifically for couples, this Sandals outpost just went through a $55 million renovation.

From intimate dining venues to rooms with romantic soaking tubs, Sandals invites travelers into an all-inclusive wonderland designed specifically for couples. Its 10 restaurants appease all palates, and options range from a chop house with tables under an imposing chandelier to a dreamy seafood restaurant on a wooden pier above the water. For a truly romantic experience, the resort can arrange a private candlelight dinner as well.

The resort’s 404 accommodations run the gamut in offerings; there are swim-up suites, hideaway villas with private pools, honeymoon suites, and options that include butler service. All-inclusive rates at Sandals include watersports, a comprehensive diving program, pool and beach parties, live entertainment and even a visit to Barefoot Cay, the property’s private offshore island with beaches, snorkeling and beach club.

Rates at Sandals Royal Bahamian start at $379 per person, per night.

Breathless Punta Cana

Punta Cana, Dominican Republic

BREATHLESS PUNTA CANA/FACEBOOK

Best for: Adults who want to be lazy in the sun then turn it up with live music and DJs.

Why stay here: At Breathless you get the perfect mix of a relaxing vacation with high-energy social elements.

At Breathless Punta Cana, your vacation can be whatever you want it to be. If you want to relax and be lazy, spend your days lounging on the beach. If you’re looking for something a little more energetic, enjoy pool parties and thumping music surrounded by new friends from all over the world at the multi-level Freestyle Pool. The property’s 11 restaurants range from French and Italian to classic buffets and a steakhouse. Its eight watering holes include a sports bar, multiple swim-up bars and a moody lobby bar.

There are 750 suites available, including the 554-square-foot entry-level Allure rooms that come with a furnished private balcony or terrace and a hot tub; there are also swim-up suites with direct access to the pool. On the Xhale club level, guests gain access to a private lounge with premium liquor and afternoon hors d’oeuvres as well as an exclusive restaurant and two pools. They also receive VIP host service and upgraded in-room amenities (like a premium mini-bar and a pillow menu).

Rates at Breathless Punta Cana start at $186.50 per person, per night. As a Hyatt All-Inclusive Category B property, award nights are 17,000 to 23,000 points per night for double occupancy. Additional guests require an extra 8,500 to 11,500 points per person, per night.

Looking for more inspiration to help plan your next all-inclusive vacation? Read on:

Source: thepointsguy.com

Apache is functioning normally

Thoughtful gift-giving takes time, especially if you are going to make the gift yourself. So here is a list for you, in plenty of time, so you can get started planning budget Christmas gifts this year.

Food Gifts with Wow-Factor

For the most part, food gifts can be made individually or in batches if you want to give something small to a large number of people. Obviously, with food items, you should wait until much closer to Christmas to make them, but it’s a great idea to start looking for the other items you’ll need for these gifts like mason jars, baskets, and ribbon so you can buy them on sale.

Of course, if you want to get some practice in so you can perfect your gifts, it’s much better to start now anyway! Many of these gifts are great for other occasions too, by the way. Recipes for most of the food presents can be found on Pinterest and elsewhere, but here are some ideas to get your taste buds thinking.

1. Made-from-scratch cookie kits. Get the dry ingredients of your favorite cookie recipes together, along with some mason jars, note cards, and country-style ribbons. Layer all the dry ingredients in the mason jars and screw the lids on tightly, print the recipe on note cards using an old-fashioned kind of font, and tie them to the jars with ribbon.

2. Themed food-gift baskets. Will you can your own pasta sauce over the summer? Use a colander for a basket, add some garlic bulbs, gourmet noodles, and a wooden spoon — a little taste of Italy.

Make a breakfast basket (syrup and pancake mix), a movie basket (popcorn, candy, and a movie rental coupon), or a gardening basket (a trowel, a gardening hat, and some packets of seeds).

3. Homemade granola. Low-cost, basic ingredients turn into toasted goodness and don’t require a fancy kitchen to prepare. Granola blends can be customized easily to suit your taste by adding different ingredients like raisins, nuts, cinnamon, dried cranberries or cherries, sunflowers seeds, coconut, wheat germ, etc. Begin with a couple of mini-batches to fiddle with your recipe until you are satisfied with the result.

4. Homemade truffles. Like homemade granola, homemade truffles can be tweaked to your preferences. Chocolate raspberry or strawberries and cream are just two examples. And you can cover them with all sorts of deliciousness like crushed nuts, mints, or toffee bits. Upside? Yum! Downside? They should be made only a short time before giving, and eaten soon after.

5. Gingerbread houses. Give them to the little kids (and the big kids) in your life. You can find gingerbread house kits or, if you bake, you can certainly build a better house from scratch. Make it a party! Invite friends or family to join in the decorating and then donate some to a local senior center.

6. Homemade almond roca or other Christmas candies. Never heard of almond roca? How does a mixture of sugar, almonds, butter, and chocolate sound? That’s what I thought. If you don’t make almond roca, any other type of Christmas candy will be fine too!

7. Freezer meals. If you have someone on your Christmas list who is in a busy season of life (working two jobs, attending college, or adjusting to life with a new baby), they would appreciate freezer meals. Package up a few of your favorite casseroles, clearly labeled with cooking instructions, and you’ll have someone’s gratitude for life. For an extra-nice touch, package the meals in reusable containers.

8. Infused olive oils.An infused olive oil can add interesting undertones to dishes. Infuse them with spices, herbs, citrus, or nuts. These infused oils need to be stored in the refrigerator, so include storage instructions with the oils.

9. Infused Vinegars. Add another layer of complexity to dishes with infused vinegars. Infuse vinegar for two to four weeks with berries or herbs and package them in interesting bottles. Now is the time to look for inexpensive, beautiful bottles.

10. Other food ideas. If you have any food specialty (homemade bread, canned goods, or cookies, for example), most people would love it.

11. Gourmet salt assortment. Buy large containers of a variety of unique salts (you may have to visit a gourmet food store), and then divide the salts into small Ziploc bags. Be sure to label the bags to include a bit of info about each variety. (You can create similar gifts with other items, of course!)

12. Spice sampler. Bulk spices can make an affordable and appreciated gift for anyone who loves to cook, or who is moving into a new kitchen. Don’t know which spices to choose? Find some tempting recipes that call for exotic spices, then include the recipes with the spices. Or, get creative and make a custom spice blend for a meat rub, marinade mix, salad dressing kit, dip, or seasoning.

13. Homemade vanilla. Homemade vanilla is simple to make, but it does take some time. Split three vanilla beans in half with a sharp knife, place in a clean glass jar, and then cover with vodka. Store the jar in a cool, dark place and don’t forget to shake it every so often. Although the vanilla extract is ready after six to eight weeks, you can continue the process for darker vanilla, if desired.

14. Food of the month. If you enjoy cooking or baking, how about giving someone a membership to your own “food of the month” club? (Never mind that they are your only member and you just made it up.) You can make a different kind of food each month or keep the same general theme (dessert, maybe?). This is a gift that will bring joy all year.

15. Flavored hot chocolate. Homemade hot chocolate is delicious and simple to make. For extra pizazz, add flavors like butterscotch, mint, or cinnamon, just to name a few.

16. Homemade marshmallows. For flavor so much better than you can buy, make homemade marshmallows for someone on your list!

17. Flavored sugars. For a special gift, make flavored sugars! Adding lemon or orange zest, a vanilla bean, or lavender to sugar can impart complex notes to baked goods. Package the sugar in cute jars, paired with a fun label.

18. Salted caramel sauce. Ah, salted caramel sauce. How can something with just four ingredients (cream, butter, sugar, and salt) be so good? And so versatile? (Eat it with a spoon, on ice cream, over cinnamon rolls, or with apples.)

This should be stored for just about two weeks in the refrigerator, so don’t make it too far ahead of Christmas or you might be tempted to eat it yourself!

19. Homemade eggnog. While homemade eggnog (if you like eggnog, that is) is absolutely delicious, it doesn’t keep long in the refrigerator — and not just because it tastes terrific. If you make this, prepare by getting your ingredients ahead of time, but don’t make it until the day of (or a day before) your gift exchange.

Frugal Gifts with Free/Used/Cheap Stuff

Even though these ideas don’t cost a lot of money, they do require time and thought to implement something that is sure to make your recipient feel special.

20. Personal gift certificates. In essence, these are gifts of time, but they make great gifts. Give new parents a gift certificate for a night of babysitting so they can enjoy a night on the town. Are you good with computers? Give your brother-in-law a gift certificate for free computer repairs.

21. Love coupons. This gift is similar to coupon books or gift certificates but is targeted to your significant other. Let your recipient redeem a coupon for a dinner out, for a back rub, or for an evening together watching their favorite movie.

22. Helping hand. This is also similar to making a coupon book. If you notice your father-in-law’s landscaping is overgrown, offer to spend a Saturday as a gift. If your daughter’s closets are out of control, she might appreciate help with organizing too. Perhaps an aging family member needs your help sorting through household goods in preparation for an estate sale or moving into a care facility.

The wonderful thing about handmade gifts, no matter how frugal, is the thought that goes into the making. Katie O’Connor

23. Up-cycled old tins. Here is a fun way to breathe new life into last year’s Christmas cookie tin. Find some spray paint (leftover from another project, preferably) and spray over the old Christmas scene. This could be the packaging for other Christmas gifts mentioned here too.

24. Teach a skill. Do you have useful skills? Someone on your list may want access to your sewing or carpentry skills. Don’t overlook things like bike repair, baking, gardening, or your financial know-how. Sometimes we have a blind eye to our own assets. Ask a friend to tell you which of your skills may be in demand and then figure out how to offer this skill to others.

25. Finish a project. Who doesn’t have an unfinished craft project somewhere or a remodeling or gardening project that isn’t finished? These undone wonders are just waiting for someone with the time to finish them.

If you are a knitter, for instance, you could offer to complete that pair of mittens for a family member. Or maybe the weekend carpenter on your list got everything done on the remodeling project except for trimming out the windows. Your offer to help finish the project would help both of you!

26. Framed page from favorite children’s books. Are some of your favorite books from your childhood falling apart? Well-loved books, read hundreds of times, tend to fall into disrepair. But framing a page from a favorite childhood book can help the book (and the memories) live on.

27. Create a secret old book. Find a cheap, musty, old classic at your nearby Goodwill or used bookstore. Glue the pages together, and use an X-Acto knife to hollow out the center of the book. Now the recipient can store his or her treasures!

28. Holiday recipe booklet. Create a collection of your favorite holiday recipes, and then include it with a small assortment of samples.

29. Artwork display frame. Frames are often expensive, so look for out-dated paintings at thrift stores. Keep the frame; toss the painting. Any of your farmer friends might have some chicken wire to spare, so take the old frame and staple chicken wire to the back. Include a package of tiny clothespins with your gift so photos or artwork can be attached.

30. Personalized dishes. Another fun way to use an old white plate or tray is to make a customized platter/plate. Write words or draw patterns on the plate with colored Sharpies. Then, bake the plate at 250 degrees for about 20 minutes to make your artwork permanent.

31. Teacup candles! You’ll need craft-store wicks, wax (or old candles) that can be melted down, old teacups, and maybe a fragrance or two. Pretty single teacups (with or without saucers) can often be found at thrift stores for less than a dollar.

Melt the wax in a double boiler, add a fragrance if desired, then support the wick standing in the teacup while carefully filling the cup with wax. As the wax cools, it will contract and form a well. You can add more melted wax of the same color or add a second shade. Beware of cups with obvious cracking; the hot wax may cause them to shatter.

Arts and Crafts — and a Hodgepodge of Mod Podge

With even the most basic artistic skills, you can create budget Christmas gifts. Here is a list of possibilities to trigger your creativity.

32. Homemade hand warmer. Live in a cold climate? Give your friends the gift of warmth with a homemade hand warmer you personally made for them. If you know how to make a beanbag, you know how to make a hand warmer. Use wool, cashmere or felt material; but instead of filling the bags with beans, fill them with ceramic pie weights. To use these toasty treasures, simply microwave them for a couple of minutes and then slip them in your pockets.

33. Tote bag pocket inserts. For those with decent sewing skills, make a tote bag even more user-friendly by sewing an insertable pocket for tote bags. Attaching the pocket to the tote bag straps from the inside will hold the pocket in place while creating another area of storage in the bag.

34. Sweater bag or pillow. Breathe new life into an old sweater by turning it into a bag or a pillow!

35. Microwavable heating pad. Another simple sewing project? This makes a nice gift for an elderly person. Make a microwavable heating pad by sewing fabric into a rectangle. Fill with rice (and a few drops of essential oils if you have some).

36. Felted penguin or other animal. What could be cuter than a felted penguin or other animal? Various tutorials online give detailed instructions which require roving and a special felting needle. Who wouldn’t want a cute replica of their favorite pet, anyway?

37. Sewing kit. An old eyeglass case makes a great case to house a portable sewing kit. Add needles, spare buttons, thread, a pincushion, and scissors!

38. Scrap fabric garland. Here’s a use for old scraps of fabric. Take strips of fabric and fold them in half, cutting more strips. Just don’t cut all the way to the fold, because you would ruin the “streamer” effect. Tie the fabric onto a piece of twine or lace.

39. Pompom garland. Make pompoms out of yarn. Obviously, customize the size and color to your preferences. Once the pompoms are complete, you can thread them together with heavy thread and a needle. Or you can make different threads or strings of pompoms and hang them vertically. These make great gifts for anyone that needs to decorate on a budget.

40. Memory drawing. If you can draw, make a simple drawing of a memory you have that involves the recipient. Maybe it’s something you did together or places you visited together. Frame it and gift. The great thing about this (besides being cheap) is that you can give it multiple times to the same person. They will have a growing collection of memory drawings from you.

41. Personalized gifts of art. If you are an artist, create small paintings or other personalized gifts of art that you make. Do you dabble in photography? A framed print of your nephew might be the perfect gift for your sister-in-law.

42. Travel brochure. If you have graphic design skills, a travel brochure for a child in your life is a fun gift. Customize it by photoshopping the recipient onto cheap stock photos of world landmarks, such as the Great Wall, so it looks like he’s traveled the world.

43. Decorative pinecones. To make pinecones for Christmas decor, gather up a few (free) pinecones. After making sure they’re bug- and dirt-free, spray them with white spray paint. While the paint is still wet, liberally dust them with white or silver glitter.

44. Burlap Christmas acorns. For another Christmas decor idea, make burlap acorns out of Easter eggs. Get some plastic Easter eggs (bigger is better) and spray paint them. Next, cover the egg with burlap using glue. Top the acorn with twine wound around the top.

45. Felt-backed tile trivets. You can find lots of beautiful tile designs at the home-improvement store. Sometimes the end of a lot can be had at a deep discount. Using a hot-glue gun, add a layer of felt to the back of a tile, and you have a useful trivet for bringing a hot dish to the table.

46. Personalized mirrors. Buy small mirrors. (Try Ikea for a bunch of the smallish mirrors.) Once you have a word that describes your recipient (“Gorgeous!” “Intelligent!”), pick a font. If you have a cutting tool that will cut out the font, by all means, use it! But if you don’t, print out the words and trace them onto contact paper. Use some glass etching glaze to etch the words onto the mirrors. Add some cheap rhinestones to glitz up the mirrors for the girls or a masculine etched pattern for the boys. Finish them off by attaching ribbon and twine so that they can be hung easily.

47. Photo lampshade. Look for a lamp at garage sales and, once you find a really cheap one, you can make a neat memento by either hot-gluing pictures to the outside of the lampshade or printing pictures off onto vellum. Then glue the vellum onto the lampshade. (Vellum is not always easy to handle so be careful!)

48. Blue jean aprons. Don’t let your worn out jeans go to waste. Use the fabric to make aprons. Many tutorials can be found online in many different styles, and they are perfect for both children and adults.

49. Vintage lace bowl. Okay, maybe you don’t like the look of crocheted doilies draped across the back of an easy chair, so here’s another way to display these amazing old-fashioned beauties! Mix equal parts of white glue and water. Submerge a doily in the glue mixture, then mold the doily over a bowl, glass jar, or blown-up balloon. Smooth out the wrinkles, let it dry, and when you remove it — viola! — a DIY vintage lace bowl! If desired, you may also dye the doily before submerging it in the glue.

50. Personalized cards. You can make more than gifts. Making your own cards is a great money-saver. Buy boxes of 50 assorted bright-color cards from a craft store such as Michael’s. Use leftover paper scraps and stickers to decorate them.

51. Photo Cubes. Create your own photo cubes by buying large cubes and using Mod Podge to affix family photos on all sides.

52. Tile photo coasters. Cut pictures to a slightly smaller size than small white tiles. Use Mod Podge to adhere the photos to the tiles. Once you have used enough Mod Podge, spray tiles with a moisture-proof sealant. Glue felt to the bottom of the tiles.

53. Photo Accordion. These are great as coffee table books. Create a photo accordion by folding up cardstock like an accordion and gluing photos to the cardstock. If you have woodworking skills, you could hinge thin pieces of wood together and use Mod Podge to glue the pictures on the wood.

54. Marble magnets. You can pick up all of the supplies (flat-bottomed marbles, Mod Podge, and magnets) at your local craft store. Use patterned scrapbook paper or words from old dictionaries or pictures from magazines. Whatever you use, cut it to be slightly smaller than the marble, Mod Podge it on the bottom of the marble, and then hot glue the magnet to the bottom of the marble.

55. Rustic cork coasters. Save the corks from your favorite wine bottles and make rustic cork coasters. Find old small picture frames and glue the corks on them. Commemorate your special events this way too.

56. Cork bulletin board. Wine corks also make great bulletin boards. Find a frame that is deep enough to accommodate the corks and then decide on a pattern. Use a glue gun to glue the corks in place.

57. Homemade garden markers. For the gardener on your list, make homemade garden markers using anything from painted rocks to old spoons, wooden spoons, or even popsicle sticks! Give them blank or label the markers ahead of time.

58. Chalkboard paint spice jars. What an amazing invention chalkboard paint is! Paint the lids of glass baby food jars with chalkboard paint to make spice jars. You can write on each lid with a chalk marker or include a marker with a set of spice jars as part of your gift.

59. Chalkboard cheese tray. Another great use for chalkboard paint is to make a chalkboard cheese tray. Find an old tray at a thrift store and paint the bottom of it with chalkboard paint. When serving cheese, the recipient can write on the tray, labeling the different kinds of cheeses.

60. Chalkboard menu/message plate. Yet another use for chalkboard paint and one of those ubiquitous plates you find at thrift stores: Make a chalkboard plate for messages or to announce the menu of the day. Cover the plate with chalkboard paint and then write a message for each recipient.

61. Christmas stockings. Sew a Christmas stocking out of felt or vintage fabric. While sewing a Christmas stocking is slightly more complicated than making bean bags, it is still an easy project and might be treasured for years!

62. Travel cord roll. When traveling (or even at home), do the cords for your electronic devices get tangled up? Make a travel cord roll.

Sew pockets for different cords, or loops of elastic to hold the cords in place. Once the cords are in place, the fabric can be rolled up and neatly stowed away in the luggage.

63. Fabric bookmarks. Another use of fabric scraps is to make bookmarks. You can cut two pieces of fabric, along with interfacing. Fuse the interfacing to the fabric and then sew the two pieces of fabric together. Embellish it with a ribbon, if desired.

64. Fabric memo boards. The recipient of your gift can display their photographs on a fabric memo board that matches their decor. First, find an old canvas or thin piece of wood. Cover it with batting and fabric. Pulling the fabric taut, staple it to the back of the board. Arrange your ribbons in the desired pattern and staple again in the back. Buttons can be hot-glued where the ribbons cross.

65. Painted canning jars. These gifts are interesting to look at. Paint the jars with chalkboard paint, followed by 2-3 coats of acrylic paint. For a more transparent look, add food coloring to white glue and paint.

66. Practical hot pad. For a practical gift, hot glue small stones to a circular piece of felt. This hot pad can be used daily — and every time it’s used, they’ll think of you!

67. Scrabble ornaments. Make personalized ornaments out of ribbon and Scrabble letters. Spell Christmas-themed words or the recipient’s name with Scrabble letters and hot-glue them to a doubled ribbon.

68. Fabric camera strap cover. For the photographer in your life, a camera strap cover can make taking pictures much more comfortable if it’s made out of soft or fun fabric.

69. DIY reusable grocery bag. Used t-shirts or other used clothing can make a handy reusable grocery or gym bag. Search the Web for sites with sewing instructions, if needed.

Sentimental/Family Gifts that Touch the Heart

Gifts that celebrate family memories or honor a loved one who has passed away may not cost much to make, but they are truly priceless. Remember, just because it’s a budget Christmas gifts doesn’t mean it can’t be a very special gift!

70. Christmas-past scrapbook. Find an old, tattered book. Remove the pages, but keep the book cover (hard-cover only). Use rings to fill it with old Christmas cards or photos of family.

71. Write your family history. For a gift that is priceless (but costs very little), enlist your family members to write a family history. Pick a topic (family vacations?), and ask each family member to write about it. Ask the patriarch and matriarch of the family to contribute their life histories.

One person plays “editor,” collecting the stories, and presenting them all together for Christmas. This gift costs nothing, unless you choose to make fancy copies or books. It does take a little time if you want to contribute quality. It will, however, carry a lasting value unmatched by any tangible gifts or even experiential gifts!

72. Family trivia game. Make up a family trivia game with questions that help start conversations or help others remember special events with family members. The gift part of this? Deeper relationships, fun, and you could even hand out monetary prizes!

73. Memory Jar. For an extra thoughtful gift that costs almost nothing, create a memory jar. Start now by contacting friends and family members and asking them to send memories and old pictures of the person who will receive your memory jar. Write one memory (or printed one picture) on each of 365 business card sized pieces of cardstock. Fold each in half and secure with a bit of tape, then place them all in a big, decorated jar. Every morning for the next year, the recipient can take out a card, open it, and see what other people cherished in him or her.

74. Framed sentiments. For the word lover on your list, make framed dictionary words. Using a heart punch, cut words out of an old dictionary that describe your loved one (thoughtful, kind, spontaneous?) and frame the words.

75. Memory Pillows. Even if you have very basic sewing skills, you have the ability to make a memory pillow for someone on your list. If you have a loved one (or one of your friend’s has a loved one) who has recently passed away, get one of their old shirts and create a memory pillow out it.

76. Frame family recipes. Does your grandmother have a box of faded, old recipes that have been in the family for a few decades? For a sentimental gift, frame them and give them as gifts to other family members.

77. Personalized calendars. Family dates, such as, birthdays and anniversaries, are hard to keep track of, especially as families grow. You can make personalized calendars online by adding special dates and pictures of family members. Or you can buy calendar blanks or use a template from a program.

78. Family cookbook. This is a good gift for a big family. Get everyone together for a recipe day. You could even include some time to make the recipes! Then print and bind the recipes. (You can do this at an office supply store, for example, or use a 3-ring binder to easily add recipes later.)

Fun and Thoughtful Gifts by Kids/for Kids

79. Art binder. If you have children who love to draw or color pictures, you probably ran out of refrigerator real estate months ago. What about giving a child an old binder that you have decorated with special paper or stickers and filled with plastic page protectors? That way, they can save any artwork in one place.

80. Letter art. Buy the first letter of your child’s name at a craft store. Personalize it with fabric or paint it yourself, or let your children personalize letters for their siblings.

81. Fancy notebook. Take a regular composition notebook and glue special paper on the cover. Then add stickers, washi tape, and any other fun stuff you have that you like.

82. Help your child (or anyone) open an online savings account. Planting a little bit of cash in a savings account now can yield a lot of fruit in the future — not to mention the ongoing opportunity to teach someone about the benefits of saving.

83. Photo storybook. Sites like Shutterfly and Snapfish often run good deals on their photo books. The child could take their own pictures, you could help upload them to the site, and they could write a few sentences per page. Presto! They have a book they can keep about a special vacation or memory! The gift could be paying for the photo storybook or the child can make the book to be given to someone else.

84. Felt food toy. Buy different colors of sheets of felt. Cut objects out of felt (lettuce, hamburger, bun, tomato slice, for instance) and let the child put them together to make a hamburger or a slice of pizza. Give these as gifts to young children that are learning about food preparation.

85. Homemade bubble mix. Kids are attracted to dirt: making mud pies, playing in sandboxes, and getting grass stains. And that’s all good. But when your washing machine needs a break, how about some clean homemade bubbles?

Simple recipes abound online. For most recipes, you’ll need water (4 ½ c.), liquid dish soap (1/2 c.), and vegetable glycerin (4 T.). Mix gently. When kids give these as gifts to their friends, there is instant delight (and hours of fun)!

86. Homemade beanbags. These toys are easy to make. Get some scraps of cotton material, sew together, and fill with dried beans. Children enjoy selecting the fabric, filling the beanbags, and making up games to play with them.

87. Homemade playdoh. Combine 1 c. flour, 1 T. vegetable oil, 1 c. water, ½ c. salt, 2 t. cream of tartar in a saucepan. Cook over medium heat, stirring constantly. When mixture forms into a ball, turn off the heat and knead with hands (when cool). If desired, add a few drops of food coloring. Store in an airtight container and let your children give them as gifts to their friends and younger siblings.

88. Homemade sidewalk chalk. This gift is easy to make. Mix 1 c. of Plaster of Paris to ¾ c. of water. Add in the desired amount of powdered tempera paint. If you have molds, use those to make fun shapes. If not, you can make your own molds out of toilet paper tubes, duct tape, and wax paper.

89. Muffin tin crayons. Did your child come home with lots of broken, paperless crayons when school was over for the summer? Before tossing them, use them to make muffin tin crayons. You can make these crayons all one color or camouflage. Just use your imagination! You can place them in a muffin tin and bake at 250 degrees for about 10-20 minutes, or until the top layer has melted.

90. Memory games. Make your own memory game cardboard boxes that you save (from cereal boxes, perhaps?) and glue paper on top. If you have some artistic ability, you can draw animals or food objects (just make sure there are two of each!) or you can search online for templates. Cut squares as large as you prefer. Color the pictures, if needed.

91. Geoboards. Have a child who needs to learn letters or shapes? Make them a geoboard! You can make this as fancy as you want to, but first, start off with a rectangle of scrap wood (or you can purchase this at a craft store). If you don’t feel like measuring out where each peg will go, you can put a piece of graph paper over the wood. Decide how close you want the pegs to be. Your pegs can be push pins or small nails (although nails could be painful) and you’ll hammer these in according to the pattern you have determined. Give these with a package of rubber bands for immediate play!

92. Toddler busy book. (Parents of toddlers may enjoy this gift more than the toddler.) A toddler busy book (or quiet book) is a book that you can customize with different activities. One method is using a 3-ring binder and heavy paper. On one page, you could glue objects of different textures (cotton balls, sandpaper, aluminum foil, etc.). A different page may have shapes made out of foam or felt glued to the page, with the same shapes NOT glued to the page. The child then has to match the loose shapes to the glued shapes. If you have sewing skills, you can sew a book out and use felt, Velcro, and other materials.

93. Sensory bin/basket. Creating a sensory bin/basket may be as simple as packaging up some rice or dried beans, along with the child’s own set of measuring cups or measuring spoons. But check out Pinterest for other ideas.

94. Bathtub crayons. Playing with anything in the bathtub is good fun because it washes away easily! To try these crayons for bath time: Mix 1 c. grated Ivory soap, ¼ c. warm water, and food coloring together until the mixture begins to stiffen. Then, knead until mixture resembles very thick dough. Spoon mixture into cookie cutters, then place the cookie cutters into the freezer for about 10 minutes. Pop the crayons out of the cookie cutters and allow to dry overnight.

95. Salt dough ornaments. To make salt dough ornaments, mix 2 c. flour and 1 c. salt. Add 1 c. water, a little bit at a time. Once all the water is added, knead up to 10 minutes, or until dough is smooth. Press your baby’s hand or foot into the dough (another suggestion is to take an impression of your first apartment key) or anything else that would be precious to your gift recipient. Before baking, make a hole in the ornament with which to hang it. Then, bake at 325 degrees for 30 minutes.

96. Dime store games. Create one of several dime-store games, such as, you could tightly connect a few wooden blocks and glue a picture on top. Use a utility knife to cut between the blocks. You have a puzzle!

And a Partridge in a Pear Tree

Then, there are the budget Christmas gifts that just don’t fit in any of the other categories — but they just might be a good fit for someone on your list!

97. Experiences. Give the gift of a new experience. Sample gifts of experience: skydiving, scuba lessons, hot-air balloon rides, cooking school, lunch with a hero, etc.

98. Ha-ha gifts. Make your own joke presents. Use your imagination, but here are a couple of ideas to get you started. Wrap up a pack of batteries and a note that says “Gift not included.” Glue two pieces of corn to a small piece of scrap wood with the words “two-piece chicken dinner.”

99. DIY-themed baskets (or bags). We mentioned food gift baskets already, but don’t overlook other types of gift baskets. Your child’s teacher may appreciate a gift basket full of paper supplies like napkins, cups, and plates for snacks and classroom parties. Another teacher idea is to give an office supply gift basket. A husband, father, son, or other family members might like a tool-themed gift basket. A wife, mother, daughter, sister, or aunt might appreciate a pajama-themed basket with soft slippers, romantic comedy, and an assortment of teas.

Having an incredible Christmas doesn’t mean a lot of stress or a lot of money — but you do need to plan ahead. I hope this resource will help make your December a bit more relaxed, a lot less expensive, and still meaningful too.

Do you make budget Christmas gifts? What’s your favorite gift to make and give? How early do you start in order to decrease your stress levels?

Photo credits: Homemade Christmas cards by Patterson Williams. Pinecone scene and pinecones by Lisa Aberle. Christmas stocking by Linda Vergon.

Source: getrichslowly.org