School’s almost out for the summer, but for some parents, the homework might be just beginning. For those hoping to move before school starts next year but aren’t sure where to go, a new survey can point you in some smart directions—that is, if you can afford it.
WalletHub has just released its 2023 Best & Worst Places to Raise a Family report, ranking how America’s 180 biggest cities stack up by analyzing 45 key metrics that matter to parents. They include local school quality, crime rates, economic factors such as income and unemployment, as well as access to child care, health care, and recreation.
The most family-friendly city of all this year is Fremont, CA, which ranks No. 1 in terms of education and child care, and No. 2 for health and safety. And despite being located in the pricey San Francisco Bay Area, Fremont comes in 18th on the list for affordability, which means it’s a relative bargain for the area.
In fact, five of the top 10 kid-friendly metros are in California. However, decent options are scattered far and wide, and some surprising locales made the list, with Overland Park, KS, coming in at No. 2.
At the bottom—that is, the worst for families—is Cleveland, OH, which ranks dead last for socioeconomics and very low for education, health, and affordability. Right behind Cleveland is Memphis, TN, flagged as the worst in the data set for violent crime.
The family-friendly premium: How much parents pay
Quality schooling and affordable housing are key factors families should consider when setting down roots.
(Getty Images)
What these rankings make abundantly clear is that parents who want the best for their kids might find they’ll have to make some trade-offs. For instance, Overland Park was tops for affordability, but only 115th for “family fun”—a category that includes access to playgrounds, parks, ice rinks, and other amenities.
Meanwhile, Los Angeles ranks No. 1 for family fun but No. 174 for affordability. The high cost of housing is a large part of the problem, with Realtor.com® data showing that the median listing price here hovers at $1.2 million.
Aside from housing, taxes—particularly for public schools—is another big piece of the financial burden families must shoulder if they want the best education and opportunities for their kids.
“Quality schooling and affordable housing are key factors families should consider when setting down roots,” says Susan J. Paik, a professor at the School of Educational Studies of Claremont Graduate University and one of WalletHub’s experts for the report. “The cost of living, especially housing options, matters for growing families.”
For a closer look at what “family-friendly” will cost in terms of housing, here are the WalletHub rankings along with Realtor.com data on the median home prices for each area.
10 most family-friendly cities
Fremont, CA: $1.25 million
Overland Park, KS: $638,950
Irvine, CA: $1.4 million
Plano, TX: $550,000
South Burlington, VT: $564,000
San Diego, CA: $999,000
San Jose, CA: $1.25 million
Scottsdale, AZ: $939,000
Gilbert, AZ: $600,000
San Francisco, CA: $1.46 million
Does a family-friendly city make a difference?
Parents have good reason to weigh all pertinent factors when they decide where to raise their families, due to a growing body of research that finds just how malleable kids’ minds are to their surroundings.
“There is a growing body of research suggesting that a child’s development and a family’s quality of life are influenced greatly by the city in which they live,” says Cristina Santamaría Graff, an associate professor of education at Indiana University Purdue University and one of the experts consulted for this report. “More than ever, local officials need to consider the well-being of families inclusive of economic, physical, social, emotional, and environmental factors.”
So what should parents be thinking about as they peruse the WalletHub report?
“Families should strongly reflect on how places connect with and support their values as a family,” says Sherrill W. Hayes, director of the School of Data Science and Analytics at Kennesaw State University in Georgia. “This is sometimes a difficult question for young parents since they may just be figuring themselves out as adults, but location determines access to jobs, activities, educational opportunities, social networks, and other intangibles.”
We have a job opportunity to share from a member of the GEM, Gemini Ventures, a Venture Studio and Fund that conceives, builds, and scales companies at the intersection of real estate, finance, and technology: Vice President of Growth.
Responsibilities:
Create and implement “0 to 1” go-to-market strategies for each company we launch, ensuring they have a clear path to attracting their first customers, generating revenue, and securing strategic partnerships.
Collaborate closely with our startup founders to develop their “1 to 10” go-to-market strategies, teams, processes, and tooling that will allow them to scale effectively into their Series A round.
Develop and operationalize Gemini’s brand strategy, positioning us as a leading venture studio in terms of equity value creation, technical craft and ecosystem quality.
Help qualify and validate company ideas, systematize and productize our internal processes and tools, and amplify our network with yours.
Required Capabilities & Experience:
10+ years of experience in marketing leadership roles, preferably with diversity of experience across company stage (startup, growth, scale), end customer (B2B, B2C, B2B2C), funnel outcome focus (awareness, consideration, trial, conversion, repeat, loyalty), business model (SaaS, marketplace, D2C) and tactical approach (marketing-driven, sales-driven).
Proven track record of developing and implementing successful go-to-market strategies, ideally in “first marketing/growth hire” and/or “0 to 1” settings, including sales and marketing strategy / development / execution.
Deep and practical understanding of B2B marketing strategies and tactics, including product marketing, content marketing, demand generation, lead generation and conversion, partnerships, and digital marketing. B2C and B2B2C experience is relevant and valued, but secondary to B2B experience.
Hands-on experience using marketing technology and CRM platforms to drive marketing effectiveness and efficiency.
Excellent analytical skills, with the ability to use data to inform marketing strategy and decision-making.
Experience managing and growing high-performing marketing teams, including a deep relationship network.
Strong collaboration and influencing skills, with the ability to interact and work effectively with cross-functional partners, founders and their teams, investors, industry partners and other audiences.
Experience in tech is required; real estate and/or fintech experience and/or knowledge is a bonus but not required.
Required Values & Behaviors:
Entrepreneurial Spirit: You’re comfortable with ambiguity and rapid change; you’re able to take initiative and make things happen in a fast-paced, “0 to 1” startup environment.
Strategic Thinker: You’re able to see the big picture, think long-term, and translate strategic objectives into actionable marketing plans.
Collaborative: You’re a team player who can work effectively with people across the organization. You value diverse perspectives and strive to create an inclusive environment.
Results-Oriented: You’re focused on delivering measurable results and are always looking for ways to improve performance.
Integrity: You conduct yourself with honesty and operate ethically in all aspects of your work. You’re reliable and uphold commitments to the team and the company.
Continuous Learner: You’re always looking to learn and grow, staying current on the latest marketing trends and constantly seeking ways to improve your skills and knowledge.
Comp, benefits, and location:
Gemini Ventures is well funded by a network of top investors, and offer competitive cash comp in addition to equity in their portfolio of startups and comprehensive benefits (including health, vision and dental insurance, generous PTO / sick leave and 401(k)). The majority of their team lives in Boston, with others in New York, Colorado, and California. They work in a hybrid mode, with in-person collaboration when needed – usually a few days a week for the Boston crew and full-team on-sites every 6-8 weeks. While they prefer a Boston-based candidate, they are open to candidates in other locations – ultimately, they’re seeking the best possible person for the role.
Lindsay Mack earned her bachelor’s degree from Georgetown University in 2005. Nearly 15 years later, when she considered the best way to grow her business acumen, an MBA was not it.
Mack, who is from Philadelphia, grew her career without an MBA. When ready to advance her skills in platform strategy, she opted for a faster, lower-cost cohort program instead.
For students like Mack, the cost of a top MBA — averaging $225,605 in the U.S., according to a 2022 report by BusinessBecause, an online publisher of graduate business content — is daunting, and the value is questionable.
“I didn’t see how making such a significant investment (in an MBA) would really leapfrog me to the next level,” says Mack, now Comcast’s executive director of product management.
Cost isn’t the only barrier to attaining a graduate business degree. BusinessBecause reports that the average acceptance rate for the most competitive U.S. business schools is 16%, based on its analysis of data from U.S. News & World Report and other sources.
If you want access to business school education without the price of tuition or hassle of admissions, you have other options.
If you prioritize credentials
Consider a graduate business certification. A certification — offered by accredited colleges and universities — differs from an MBA degree primarily in how long it takes to complete the program.
For example, a graduate business certificate from the University of Nebraska–Lincoln College of Business requires 12 credit hours to graduate. An MBA from the same university needs 48 credit hours for completion.
Because you’re taking fewer credits compared to an MBA, you can expect to pay much less. For example — based on the 2022-23 academic year — tuition for a graduate certificate in strategic management from Harvard Extension School, a Harvard Division of Continuing Education, is $15,500. A Harvard MBA costs $73,440 in tuition, not including fees.
Certificate programs are often more specialized than graduate business degrees. This can be great for those looking to develop a specific skill set — like business analytics — to advance in their career, says Olivia Jobson, associate director of graduate recruitment at Oregon State University College of Business.
If you need a more flexible schedule
Consider a self-guided online course. Companies like MasterClass, Skillshare, Udemy and Coursera let you learn business skills at your own pace.
“Our central tenet is to meet learners where they are,” says Marni Baker Stein, Park City, Utah-based chief content officer at Coursera. The company offers individual courses, professional and credentialed certifications, and full degrees through university partnerships.
Many online companies allow you to access some courses for free, but the full libraries require a monthly subscription. MasterClass, for example, offers unlimited access to existing and new content for $180 annually.
Unless partnering with an accredited institution, these programs typically do not offer credits for completion. If you need credits to transfer to a university, consider enrolling in an accredited program.
If you want more of the MBA experience
Consider a business training cohort. Though it’s hard to replicate the two-year, in-person MBA experience, some companies creatively found ways to incorporate its key components into online learning.
Section, a New York City-based online business education company, for example, offers one- to two-week online sprints structured much like sections within an MBA program. Members participate in live classes online, group discussions and even team projects for $996 per year.
Similarly, the Invited MBA, by Texas-based corporate leadership development company Abilitie, offers a 12-week program that includes live virtual sessions, team business competitions, study groups and even online happy hours. Tuition is $1,850.
Companies like Section and Abilitie are not accredited universities. Graduating from these programs will not result in an MBA degree, but some graduates of the programs say it delivered exactly what they needed — practical business skills, a strong network and greater employability at a fraction of the cost of an MBA.
“I have folks who are at the exact same level as I am, who did full-time MBAs and have school debt, and I am now peers with them,” says Nicholas Schroeder, a Seattle-based graduate of Abilitie’s Invited MBA.
Upon completing the Invited MBA in May 2021, Schroeder, a former U.S. Army officer, transitioned into a career in consulting — the most coveted industry for prospective graduate management students, according to a 2022 survey by the Graduate Management Admission Council, an association of graduate business schools.
This article was written by NerdWallet and was originally published by The Associated Press.
Mortgage Investors Group, or MIG for short, has a familiar story in that they were founded by a small group of loan officers before growing into a billion-dollar independent mortgage bank.
What makes them more special is the fact that they’ve been around since 1989, a testament to their staying power in the very unforgiving mortgage industry.
That means surviving a few housing booms and busts, yet carrying on and continuing to grow along the way.
A couple of their claims to fame include being the Tennessee Housing Development Agency’s (THDA) top lender annually since 2003.
And the number one USDA home loan lender in Tennessee every year since 2014. Let’s learn more about them.
Mortgage Investors Group Fast Facts
Direct-to-consumer retail mortgage lender
Offers home purchase loans, refinances, and reverse mortgages
Founded in 1989, headquartered in Knoxville, TN
Funded about $4 billion in home loans last year
The 3rd largest mortgage lender in the state of Tennessee
The Tennessee Housing Development Agency’s (THDA) top lender since 2003
The #1 USDA home loan lender in TN since 2014
Mortgage Investors Group is a direct-to-consumer retail mortgage lender based out of Knoxville, Tennessee (pictured above is the Sunsphere from the 1982 World’s Fair there).
As noted, they got started all the way back in 1989 by co-founders Chuck Tonkin II and Chrissi Rhea, along with five colleagues.
Today, the company has grown to 26 branch locations and 450 employees, with more than $20 billion in closed loans since inception.
This means you can apply for a mortgage at a local branch or online via their website.
Last year, they mustered nearly $4 billion in total loan volume, despite only working in the Southeast.
They’re licensed in just nine states, including Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, and Tennessee.
In their home state, they are the third largest lender, beaten out only by behemoth Rocket Mortgage and megabank Wells Fargo.
The company is also quite active in nearby Alabama and Georgia, the #1 USDA loan lender in Tennessee, and the top Tennessee Housing Development Agency (THDA) lender since 2003.
Roughly 60% of their volume consisted of home purchase loans, meaning they’re probably a good choice for a home buyer.
The rest was made up of mortgage refinances, home improvement loans, and reverse mortgages, all of which are geared toward existing homeowners.
How to Apply with Mortgage Investors Group
To get started, you can either visit their website or head over to a local branch if one happens to be situated nearby.
Their website offers a wealth of information, including how-to guides, mortgage calculators, a mortgage glossary, and a loan officer directory.
You can search for loan officers by location or name, then apply directly from their webpage once you find the individual you’d like to work with.
MIG offers a digital mortgage application that uses the latest technology to ensure a quick and pain-free loan process.
This includes the ability to fill out an app from a smartphone or computer, eSign disclosures, and scan and upload documents.
Additionally, their on-site underwriting, loan processing, closing, and appraisal services mean you can get to the finish line without delays.
This is especially handy in a competitive housing market where time is money and then some.
Available Loan Programs at Mortgage Investors Group
Home purchase loans
Refinance loans: rate and term, cash out, streamline
Conforming loans backed by Fannie Mae and Freddie Mac
Jumbo loans
FHA loans
VA loans
USDA loans
Reverse mortgages
Reverse purchase mortgages
Georgia Dream loans
THDA loans
Down payment assistance loans
Fixed-rate and adjustable-rate options available in various loan terms
One standout area for Mortgage Investors Group is their selection of loan programs, which is seemingly endless.
Aside from all the usual stuff like loans backed by Fannie, Freddie, and the FHA/USDA/VA, they offer jumbo loans, reverse mortgages and even reverse purchase mortgages.
They also have several options for first-time home buyers and low-to-moderate income borrowers, including the Georgia Dream loan and THDA loans.
Their Home Court Advantage program offers up to 105% of the purchase price and includes a second mortgage that can cover down payment, closing costs, and other prepaid items.
Both fixed-rate and adjustable-rate mortgages are available in various loan terms, including 15-year fixed mortgages and 5/1 ARMs.
They lend on all major property types, including single-family homes, condos/townhomes, and multi-unit investment properties.
Mortgage Investors Group Rates
Mortgage Investors Group says they’re here to get you an affordable mortgage with award-winning service, but they don’t post their mortgage rates online.
In order to get pricing, you’ll either need to call up a loan officer on the phone or fill out a preliminary application online to get in touch with one.
At that point, you’ll you be able to receive a mortgage rate quote and determine what lender fees they charge, if any.
Because they don’t publicize mortgage rates, the only real hint we have is customer reviews, which are generally favorable.
But pricing will always depend on the loan scenario in question. And you should always obtain several mortgage rate quotes to ensure you don’t miss a lower-priced, quality option.
Be sure to compare Mortgage Investors Group’s quoted mortgage APR to other lenders, which factors in both lender fees and the interest rate.
Mortgage Investors Group Reviews
Over on Zillow, Mortgage Investors Group has an almost-perfect 4.97-star rating out of 5 from over 2,500 customer reviews.
Many of the recent reviews indicate that the interest rate and/or closing costs were lower than anticipated, a good sign if you want a low-cost mortgage.
They’ve also got a perfect 5.0-star rating from over 100 Google reviews, along with a 4.7-star rating on Facebook from roughly 130 reviews.
The company is an accredited business with the Better Business Bureau (BBB) and currently holds an ‘A+’ rating based on customer complaint history.
Speaking of, they’ve only had one complaint closed over the past three years.
To summarize, Mortgage Investors Group seems to be a particularly good choice for home buyers thanks to their wide range of first-time home buyers loan programs.
This is especially true for those short on down payment funds or income, as they work extensively with the Tennessee Housing Development Agency and USDA.
But they’re also quite active when it comes to mortgage refinancing as well, so they could also be a great choice for an existing homeowner too if their mortgage rates and fees are competitive.
Mortgage Investors Group Pros and Cons
The Good
Offer a digital mortgage application and in-house processing/underwriting
Can apply for a home loan from any device or in-branch with a human
Tons of loan programs to choose from including first-time home buyer and reverse mortgages
Excellent customer reviews across ratings websites
A+ BBB rating
Lots of free loan calculators and how-to guides on their website
Website also available in Spanish
The Maybe Not
Only licensed in a handful of states in the Southeast
Do not publicize mortgage rates or lender fees online
The Federal Housing Administration (FHA) submitted for public comment on Wednesday its proposal to create a new partial claim option, a result of its acknowledgment that its current loss mitigation toolkit isn’t enough to support struggling borrowers as rates surge.
The Payment Supplement Partial Claim will allow servicers to use the FHA partial claim to bring a borrower’s home loan current and temporarily reduce their monthly payments for a period of three to five years. Trade groups, servicers and industry experts support the initiative.
HousingWire reported in February that housing leaders were working on successors for Covid-19 partial claims. The deadline for feedback on the single-family policy drafting table is June 30, 2023.
A partial claim is an interest-free loan from the U.S. Department of Housing and Urban Development (HUD) that borrowers can use to make their mortgage current. The remainder of the late payments are then added to the principal balance and extended for 30 years at a fixed rate.
However, the FHA’s proposal allows borrowers to keep their existing interest rate and reduce their monthly payments temporarily by using funds from the partial claim, which comes from the FHA mortgage premium. Homeowners then pay the FHA back when they sell their homes or refinance their loans.
Just a few years after the start of the Covid-19 pandemic, borrowers are facing other hurdles, such as high inflation and increasing mortgage rates. Surging rates force borrowers in default to modify their loans at market rates that may be higher than their current rates, the FHA says.
“Many homeowners continue to experience hardships due to health or financial difficulties that occurred during the pandemic, and these challenges have been exacerbated for these and other borrowers by current economic uncertainties,” Julia Gordon, HUD’s assistant secretary for housing and the federal housing commissioner, said in a statement.
“When we saw that our existing loan modifications were no longer providing adequate payment relief, our team painstakingly explored every possible alternative to provide relief in the current rate environment, resulting in this innovative proposal,” Gordon added.
According to the draft proposal, mortgagees have provided over 1.3 million COVID-19 loss mitigation actions to borrowers since the start of the COVID-19 pandemic. On January 30, HUD extended and expanded its loss mitigation options.
In reaction to the new proposal, the Community Home Lenders of America (CHLA) explained that rising mortgage rates create problems for Ginnie Mae issuers carrying out loss mitigation for defaulted FHA borrowers.
Typically, issuers implement loss mitigation by buying an FHA loan out of a Ginnie Mae pool, modifying the loan, and then selling the loan back into a pool. However, Ginnie Mae issuers are facing an increase in mortgage rates that could make it challenging to carry out the loss mitigation or the re-sale of loans into Ginnie Mae pools at steep losses to the issuer.
“The skyrocketing of mortgage rates has undermined FHA’s main loss mitigation tool for helping distressed borrowers – and FHA’s nimbleness in finding a workaround for this will be greatly appreciated by distressed homeowners,” Scott Olson, CHLA’s executive director, said in a statement.
Welcome to the bustling metropolis of Atlanta, GA, where history, culture, and Southern charm converge in a captivating blend. As one of the most vibrant cities in the United States, Atlanta is a treasure trove of fascinating stories and hidden gems waiting to be discovered. In this Redfin article, we invite you to test your knowledge and embark on a journey through 15 fun facts about Atlanta. Whether you’re a long-time resident or you’re considering renting an apartment in Atlanta, prepare to be captivated by the city’s rich heritage, iconic landmarks, and surprising trivia. So, fasten your seatbelts and join us as we unravel the secrets of Atlanta, GA—your gateway to Southern hospitality and urban excitement.
1. It’s the birthplace of Martin Luther King Jr.
Atlanta holds significant historical importance as the birthplace of civil rights leader Dr. Martin Luther King Jr. The Martin Luther King Jr. National Historic Site, which includes his childhood home, the Ebenezer Baptist Church where he preached, and the King Center, his final resting place, honors the life of the civil rights icon. These sites are a must-visit bucket list item in Atlanta and offer a chance to connect with the legacy of one of America’s most influential figures.
2. Atlanta’s residents take pride in their Southern hospitality
Expect warm smiles, friendly gestures, and a genuine eagerness to make newcomers feel welcome. You’ll often find strangers striking up conversations, lending a helping hand, or sharing recommendations, creating a sense of community that is truly heartwarming.
3. Coca-Cola was invented and founded in Atlanta
Did you know that another? The World of Coca-Cola museum offers an interactive experience, taking visitors on a journey through the history, production, and global impact of this iconic soft drink. Sample over 100 beverages from around the world and marvel at the impressive collection of Coca-Cola memorabilia.
4. Lights, camera, Atlanta: The Big Peach is a film and television hub
Atlanta has emerged as a major hub for film and television production, earning the nickname “Hollywood of the South.” Thanks to its diverse range of landscapes, favorable tax incentives, and world-class production facilities, the city has attracted numerous blockbuster movies and popular TV shows, such as Stranger Things and The Blind Side. Keep an eye out for familiar filming locations while exploring Atlanta’s neighborhoods.
5. Atlanta is home to vibrant neighborhoods
Atlanta is renowned for its neighborhoods, each with its own distinctive charm. From the historic streets of Grant Park and Inman Park to the trendy vibes of Midtown and the upscale ambiance of Buckhead, there’s a neighborhood to suit every taste. Explore their unique shops, restaurants, parks, and cultural offerings to find your perfect corner of the city.
6. Atlanta is one of the few cities that has a professional team for almost every sport
For sports enthusiasts, Atlanta offers a thrilling experience. The city is home to professional sports teams like the Atlanta Braves (baseball), Atlanta Falcons (football), Atlanta Hawks (basketball), and Atlanta United FC (soccer). Catching a game at the state-of-the-art Mercedes-Benz Stadium or the iconic Truist Park is an exhilarating way to immerse yourself in Atlanta’s vibrant sporting culture.
7. From hip-hop royalty to soulful rhythms, Atlanta’s music scene won’t disappoint
Atlanta has made significant contributions to the music world, particularly in the genres of hip-hop, R&B, and gospel. The city has nurtured numerous talented artists, including Outkast, TLC, Usher, Ludacris, and many more. Explore the Atlanta Music Hall of Fame, visit iconic recording studios, and catch live performances at legendary venues like The Tabernacle and the Fox Theatre to immerse yourself in the city’s vibrant musical heritage.
8. You’ll experience festivals galore
Atlanta hosts a wide range of cultural festivals and events throughout the year, offering residents an opportunity to celebrate diversity and engage with different communities. From the Atlanta Jazz Festival and the Atlanta Film Festival to the Atlanta Dogwood Festival and the Dragon Con parade, there’s always something exciting happening in the city. These events showcase Atlanta’s artistic talents, culinary delights, and multicultural fabric, creating a vibrant and inclusive atmosphere for all.
9. Dive into the wonders of the deep at the largest aquarium in the world
One fun fact about Atlanta is that the city is home to the Georgia Aquarium, one of the largest aquariums in the world. This spectacular attraction allows visitors to immerse themselves in an underwater wonderland, featuring thousands of marine creatures, including beluga whales, manta rays, and whale sharks. You can also participate in unique experiences like swimming or diving with the aquarium’s gentle giants. The Georgia Aquarium offers an awe-inspiring journey into the depths of the ocean without having to leave the city.
10. You don’t have to leave the city to get your nature fix
Despite its urban nature, Atlanta boasts an abundance of green spaces and parks. Piedmont Park, located in the heart of the city, offers picturesque walking trails, beautiful views, and numerous recreational activities. The Atlanta BeltLine, a former railway corridor turned pedestrian-friendly trail, connects several neighborhoods and provides a fantastic space for outdoor enthusiasts.
11. Atlanta’s flavorsome fusions will surely delight
Atlanta’s culinary scene is a delightful fusion of traditional Southern flavors and innovative gastronomy. From down-home barbecue joints like Fox Bros. Bar-B-Q to fine dining establishments such as Marcel, food enthusiasts will find an array of mouthwatering options to satisfy their cravings. Don’t miss the chance to savor classic Southern dishes like fried chicken, biscuits, and peach cobbler while exploring the city.
12. Centennial Olympic Park serves as a legacy to the 1996 Summer Olympics
Atlanta played host to the 1996 Summer Olympics, and as a result, Centennial Olympic Park was created as a lasting legacy. This beautiful park spans 21 acres in downtown Atlanta and serves as a gathering place for locals and tourists alike. It features fountains, green spaces, walking paths, and the iconic Olympic Rings fountain. The park also hosts various events and concerts throughout the year, providing entertainment and recreational opportunities for all.
13. High Museum of Art unveils a world of masterpieces in Atlanta
Art enthusiasts will find a haven in the High Museum of Art, one of the leading art museums in the Southeast. The museum houses a diverse collection of artwork from around the world, including American art, European art, African art, and contemporary pieces. The striking architecture of the museum itself is a sight to behold. Visitors can explore the permanent collections, rotating exhibitions, and participate in educational programs that offer a deeper appreciation of the arts.
14. Ponce City Market, now a popular dining and shopping venue, was formerly a Sears
Located in the historic Sears, Roebuck & Co. building, Ponce City Market is a vibrant mixed-use development that seamlessly blends retail, dining, and entertainment. This trendy destination features an array of shops, local boutiques, artisanal food stalls, and rooftop bars with panoramic city views. From delectable cuisine to unique shopping experiences, Ponce City Market offers a lively atmosphere that showcases the city’s creative spirit.
15. Atlanta’s street art scene paints the city in beautiful murals
Atlanta is home to a thriving street art scene, with captivating murals adorning buildings and walls throughout the city. The Atlanta Street Art Map highlights numerous vibrant artworks created by local and international artists. A unique activity to do in Atlanta is to take a walking tour or explore the neighborhoods to discover these remarkable displays of creativity and self-expression that contribute to the city’s vibrant visual landscape.
Atlanta, GA, is a city that continues to captivate residents with its rich history, diverse culture, and dynamic lifestyle. From its historical landmarks and world-famous attractions to its welcoming communities and thriving arts scene, there are countless reasons to move to Atlanta. Embrace the charm of this Southern gem and explore the countless fun facts that make Atlanta a truly unique and delightful place to call home.
When it comes to college towns in Wyoming, the state has a lot more to offer than just beautiful landscapes and natural wonders.
Wyoming boasts several bustling cities that are home to thriving academic institutions. In this article, we will explore the best college towns in Wyoming, where you will find the perfect blend of educational opportunities, recreational activities and engaging local culture. Buckle up, tie your hiking boots tight and join us on this journey to discover the hidden gems of Wyoming’s academic landscape.
Nestled between the Snowy Range and the Laramie Range, Laramie is often considered the crown jewel among college towns in Wyoming. Home to the University of Wyoming, the city has a thriving student community. As the state’s flagship university, UW provides high-quality education and a myriad of research opportunities. The University of Wyoming Art Museum and the American Heritage Center contribute to the enriching cultural experience students can expect while pursuing their studies here.
Beyond academics, Laramie offers a ton of recreational resources that cater to a wide range of interests. The city is a haven for outdoorsy types, boasting easy access to hiking, biking and skiing trails. During the warmer months, students can take a break from their studies and embark on scenic excursions along the Medicine Bow-Routt National Forest or the Vedauwoo Recreation Area. Meanwhile, downtown Laramie offers an eclectic mix of local shops, eateries and entertainment venues, where students can unwind and socialize after a long day of classes.
As the second-largest city in the state, Casper is a thriving college town in Wyoming and home to Casper College. This college offers a range of degree programs, making it an ideal choice for students looking to pursue higher education in a smaller city setting. Casper College prides itself on its strong ties to the community, and the campus provides a close-knit, nurturing environment for students to grow both academically and personally.
Casper boasts a lively atmosphere with numerous attractions to keep students entertained during their downtime. The city is home to the National Historic Trails Interpretive Center, which offers a fascinating glimpse into the region’s rich history. For art enthusiasts, the Nicolaysen Art Museum features contemporary and modern art from local and national artists alike. With the North Platte River running through the heart of the city, students can also enjoy a variety of outdoor activities, like fishing, kayaking and hiking along the river’s picturesque banks.
Located near the Bighorn Mountains, Sheridan is another noteworthy college town in Wyoming. This charming city is home to Sheridan College, a part of the Northern Wyoming Community College District. Sheridan College offers a broad range of academic programs and is known for its strong commitment to workforce development, preparing students for careers in various industries. The college’s beautiful campus, nestled in the picturesque landscape, provides a serene environment for students to focus on their studies.
Sheridan has a rich history, which is reflected in its vibrant downtown area. The Historic Main Street District offers an enticing mix of shops, galleries and restaurants, perfect for students looking to unwind and explore local culture. Outdoor enthusiasts will also find plenty to do in Sheridan, as the city is surrounded by breathtaking natural scenery. Students can take advantage of the nearby Bighorn National Forest for hiking, camping and fishing or head to the Antelope Butte Mountain Recreation Area for skiing and snowboarding during the winter months.
Situated in the heart of Wyoming, Riverton is yet another flourishing college town that offers a unique blend of cultural and educational experiences. Central Wyoming College, provides various academic programs and an emphasis on workforce training. With its commitment to student success, Central Wyoming College offers a supportive and stimulating learning environment for students from all walks of life.
Riverton’s culture is greatly influenced by its proximity to the Wind River Indian Reservation, which is home to the Eastern Shoshone and Northern Arapaho tribes. This cultural diversity enriches the city and presents students with the opportunity to learn about and engage with the region’s indigenous heritage. Riverton’s vibrant downtown area offers a lively array of shops, restaurants and galleries, while the annual Riverton Rendezvous festival brings the community together for a celebration of the city’s unique history and heritage. With its picturesque location near the Little Wind River, students can enjoy various outdoor pursuits, including fishing, hiking and wildlife watching.
Located in the northwest corner of Wyoming, Powell stands out among college towns in Wyoming for its strong focus on agriculture and natural resources. Northwest College offers a diverse range of academic programs, with particular emphasis on agricultural and environmental studies. The college’s commitment to hands-on learning and research ensures that students receive a well-rounded education that prepares them for success in their chosen fields immediately after graduation.
Powell’s close-knit community and small-town charm create a welcoming atmosphere for students. The city’s historic downtown area features a delightful assortment of shops, cafes and restaurants that cater to a variety of tastes. Outdoor enthusiasts will appreciate the city’s proximity to the Shoshone National Forest and Yellowstone National Park, which offer a wide range of recreational activities, from hiking and camping to wildlife watching and photography.
Why not settle down in a Wyoming college town?
Wyoming’s top college towns offer students a diverse array of academic, cultural and recreational experiences. From the bustling city of Laramie to the charming and historic town of Sheridan, each college town above has its own unique character and appeal. These cities provide the perfect backdrop for students to pursue their academic goals while also enjoying an engaging and fulfilling college experience. Pick your favorite city and find your new Wyoming apartment today.
Inside: The summer months are a great time to cash in while teachers get paid. Here are some tips to maximize your income as a teacher.
The school year is almost over, and soon students will be heading off to summer vacation. But how about teachers?
Teachers are expected to start getting paid in the summer too- or at least that’s what we’ve been told. However, some believe there may not be enough money for this extra pay out of pocket if all schools do it by themselves.
So now I want you to think back on your child’s teacher from last school year – did they get paid in the summer?
Summer is here, and it’s time for teachers to ask “do I get paid in the summer?”
The answer depends on your state. The following are guidelines for what teachers should expect from their employer during the summer break as well as tips to maximize their paychecks.
What is the average salary for a teacher?
The average salary for a teacher varies depending on the country, level of education, and years of experience. However, a teacher’s salary is typically lower than other professions with similar levels of education and experience.
This is the unfortunate truth for the teaching profession. Truly I believe teachers deserve to be paid higher as they are guiding our future generations.
On average, the national classroom teacher salary was $65,090 for the 2021-21 school year, according to the National Education Association.
This varies depending on the factors mentioned above, such as degree attained and experience level.
average salary for a teacher Examples
Using the same data from NEA, let’s look at some examples.
For example, the average teacher salary in California is $84,531 per year, which California ranks 2nd highest for average teacher pay among 50 states. Illinois starting salary is $68,083 and ranks #12 in the nation.
Whereas, Arizona’s teachers survive on a starting salary of $50,782 ranking #26 in the nation. In Colorado, the average starting salary for teachers is a pitiful $35,292 ranking #48 in the nation.
Do teachers get paid in the summer?
There is no one answer to this question because teacher salaries can vary depending on the state or country in which they work. In some cases, teachers may get paid during the summer months, while in other cases they may not.
Most teachers in the United States are paid over a 12-month period.
During that time, they work 10 months and receive a paycheck for those 10 months. For the other two months, they do not get paid since they’re on summer vacation. However, there is an option to have a 12-month pay cycle where teachers are paid all year long.
Alternatively, some teachers choose to have a 10-month pay cycle where they only receive paychecks during school hours. This can be difficult because budgeting is hard when you’re only getting paid during certain times of the year. You’ll likely spend more money than you make during those eight weeks of summer vacation!
The 12-month pay structure is an option for any teacher that wants to collect their salary all year long. It is important to note that this alternative might come with less money per month, but it spreads out the income evenly throughout the year. Teachers should schedule their pay dates around the year so they make a consistent amount of money throughout – more on that shortly.
Teachers need to be careful when structuring their pay dates during the summer because they’ll likely spend more in that time period. It is important to understand how your pay is structured so you can plan accordingly.
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How many weeks do teachers get off?
Teachers in the United States typically get a total of around 13 weeks off over the course of the entire school year. The summer break is typically six to eight weeks long, and most teachers use their winter break and spring break to take some time off as well.
What do teachers do during the summer?
During the summer, teachers have a lot of time on their hands compared to the school year. They can take up new hobbies or just relax and enjoy the break!
Teachers often take a summer break to do things they enjoy. They might go traveling, spend time with their family and friends, or just relax by the pool.
Find 17 more ideas on what teachers do in the summer.
What do teachers do in the summer for money?
Teachers typically either work in the summer or take a break without working.
Depending on their profession and geographical location, some teachers will find jobs during the summer while others will not. Some may also teach for a summer school or choose from one of the ideas below.
What are some ways to maximize income during the summer months?
There are a few different ways to make the most of your income during the summer months.
First of all, many teachers find that this is the best time to enjoy a getaway from the school system. They want to have their downtime, decompress, and relax.
Financially speaking, you must be prepared with your budget to make the most of your paychecks.
Plan ahead
Depending on how you opt to get paid during the summers is important. If you choose the larger paychecks over 10 months, then you need a plan for money when your checks stop for the break. If you keep your pay consistent throughout the year, then you may want to work on cutting back on certain expenses since you have more time over the summer.
Teachers can have the same schedule as their children. This gives them a chance to spend more time with them and see them in a different environment than at school.
Many times, teachers are not going to complain about a summer schedule that has flexibility and is similar to those of their kids. They know that they need to arrange ahead and structure their schedule correctly in order to take advantage of the time they have outside of work.
Most teachers put in a lot of hours, but it’s worth what they get out of it because they enjoy teaching and being with children.
Have a money saving goal in place
This is especially true if you do not receive paychecks during the summer. You need to have money saved up to cover any summer expenses.
A great idea is to create a summer savings account to accrue funds for when school breaks for the session. This choice allows teachers to save money that will be automatically deducted from their checks throughout the year and deposited into a different account, which will earn interest.
In order to make this work, it is important that teachers choose banks that are not convenient and do not offer online access as the temptation may be too great and cause unwanted withdrawals from the fund.
Understand your work life balance
Teachers work long hours throughout the week. The statistics vary on exactly how many hours. However, there is a consensus the number of hours has increased since 2020 (source).
For a teacher, their working hours include school-related activities like conferences and staff meetings, which can include teaching extracurricular programs like club soccer or lesson planning for new teachers. Oh, and don’t forget their main focus is to teach our children.
While it is important to maximize income during the summer months, it is also important to find a job that does not require so much time and energy. A summer job can be more of a lifestyle choice than just an employment opportunity. A summer job can be physically draining and require you to work long hours and to live with the same mindset year-round. Some jobs are easier during the school year due to shorter days, fewer students, or less paperwork.
For others, their time freedom is more important than living on a tight budget.
How can teachers make extra money during the summer?
Teaching jobs are plentiful during the summer months when kids are home from school.
Also, this may be a great time to invest in furthering your education, garner new skills to change industries, or start a side hustle.
Many teachers take on a side job during the summer to make some extra money. This is especially true for newer teachers looking to pay off student loan debt. The most common option is to become a private tutor, but there are plenty of other ideas.
There are many different ways for teachers to make extra cash during the summer. So, let’s get you some extra cash ideas!
Idea #1 – Get paid to tutor students over the summer
Private tutors are the most common side job for teachers. If you’re already a great teacher, you’ll have no trouble getting referrals and growing those classes.
You can also look into online tutoring, which has exploded in popularity recently. Tutoring is a flexible summer job for teachers who want to keep their skills sharp.
Here are some places you can find work as a teacher: Skooli, TutorMe, Aim-for-A Tutoring, and more.
You could make up to $50 an hour tutoring students. There are also plenty of summer job opportunities for teachers who want to stay connected with their students during the summer.
Tutoring is a great way to make extra money for teachers year-round.
Idea #2 – Take on a part-time job
If you’re looking for ways to make extra cash during the summer, consider taking on a part-time job. There are many opportunities available, and the pay is usually good.
As an example, a teacher who has been teaching for 14 years, every summer he takes on an additional job to make up for the low pay he receives during the school year. He has money taken out of his summer pay every week to supplement it during the school year months.
There are many opportunities in retail, restaurants, construction, and other fields. There is a great need for part-time people making wages over $17 an hour.
Idea #3 – Teach summer classes
Another popular option for teachers who want to make extra money is teaching summer classes.
Many parents are worried about their kids losing previously learned information and practice the entire summer to improve retention rates. In addition, many school districts offer summer classes to help students retain information.
Check with your local school district to see options.
Idea #4 – Search for seasonal work
As the school year comes to a close, many teachers are looking for ways to make money during the summer. Fortunately, there are a number of options available with seasonal jobs starting to come available. In addition, many are outdoors and you can enjoy the sun and some fresh air!
Teachers can also look into manual labor-type jobs or summer camps for income in the summertime.
Most of these types of jobs start hiring during the slow winter months. So, make sure to apply early and have something set up before the school term ends.
This is great for someone who wants an early morning job!
Idea # 5 – Professional Development
The concept of being willing to learn is important for teachers. It’s one reason why taking on professional development courses during the summer can be so valuable. Working through professional development courses during the summer can also give you an edge when it comes time to look for a new teaching job.
However, this is how you earn a higher salary year-round.
Teachers can increase their earnings by holding a master’s or doctoral degree. Some states pay teachers with master’s and doctoral degrees higher wages than others. This is how you increase your hourly wage.
Idea #6 – Sell Lesson Plans
Yep, this one is becoming even more and more popular!
Why should you let all of your great lesson plans just sit aside during the summer? Start hustling and sell your lesson plans for the cash.
Etsy is a great place to start.
Idea #7 – Start a Side Hustle
What is a side hustle? It’s something that you can do to supplement or replace the income from your main job, like running an eBay shop during the summer when you’re not teaching. Or even your own blog?
Think about the hobbies you enjoy and see if you can make money by doing something you enjoy. That is a great place to start!
Here are great ways to make money on the side:
It is possible to make more money on your business than you make more money in your current job or career.
Idea # 8 – Learn to Make Money From Stocks
If you’re interested in learning how to trade stocks, this is the perfect place to start.
One former assistant principal, Teri Ijeoma, changed her life when she left her job as an educator and become an active trader.
What is a day trader or swing trader? It’s someone who trades stocks on the stock market but knows when to get out.
You can also make money as a swing trader by taking advantage of fluctuations in stocks. For example, you can make money as a swing trader by buying stocks at the low point and selling them at the high point.
If you are interested in swing trading stocks, you must get an investing education. Most of my fellow traders are former teachers after taking the Trade and Travel investing course.
Idea #9 – Work at a Summer Camp or other Child Care Jobs
There are many ways for teachers to make extra money during the summer and have fun by working as camp counselors.
There are also many child-related jobs that need great employees when kids are home from school due to summer break. Some parents will keep their children busy throughout the summer, but others are worried about what they have learned in school and may soon forget.
Also, many families are looking for nannies while their children are out of school. Parents want teachers to play a role in helping them with school retention throughout the summer, and not be behind in August or September.
Most of these jobs will pay higher because they prefer a licensed teacher.
Idea #10 – Offer to give people rides or any personal assistant help
You can make money by giving people rides in your car. For example, you could offer to pick up strangers at the airport and take them to their hotel or host a taxi service.
You could be a personal assistant and help with chores or errands around the house.
People are always looking to outsource things and you could easily make some extra side money.
This is a good list of ideas for teachers to make money during the summer.
What are some tips for budgeting during the summer months?
Summertime is a great opportunity to relax and take a break from work, but it can also be a time to save money and prepare for the next school year. Many educators receive a paycheck during the school year but don’t have regular income over the summer. This makes it important to budget throughout the year, so you can have enough money saved up when school starts again.
Budgeting can be a stressful process.
However, budgeting should not be about cutting corners or reducing spending, but rather about creating financial freedom for the long term. The tips in this article are actionable and will help attain financial independence for the future.
Some tips for budgeting during the summer months include setting a budget for the summer months, creating a savings goal, and cutting back on expenses.
It is important to remember that many people are traveling and spending money during the summer months, so it’s important to be smart with your budgeting decisions. By following these tips, you can make sure that you have enough money saved up when school starts again!
Tip #1 – Create a budget for the summer months
Budgeting during the summer months can be difficult for those without consistent pay. However, it is possible to do with some creativity and planning. Here are a few tips:
Create a budget for $500 less a month than your paycheck. This may seem challenging, but it is possible if you make cuts in specific areas.
Save that $500 for your current saving goals.
Look at expenses that you don’t care to spend money on and cut them out.
House hack your vacation spots by house-sitting for someone else!
Be more realistic about how much you spend during the summer.
Make sure you are reaching your long-term goals.
Budgeting can be made easier with the help of planning ahead and keeping a buffer of money available.
Tip #2 – Save money during your summer break
There are many ways to save money during your summer break.
Saving money can be difficult, especially during the summer when you may have more free time.
It is important to organize your finances and set a budget before spending so that you are not surprised.
It is important to allocate the money saved into long-term goals or savings accounts so that you can reach them one day!
You can start by taking advantage of many of our popular money saving challenges:
Tip #3 – Find Ways to Make Extra Cash
There are many different ways to make extra cash during the summer months. In fact, we detailed many options above.
This is the perfect time to make extra money. As we outlined already, many teachers are severely underpaid for the work and dedication they put in. So, you might as well find a way to make extra money now and then get back to what you love during the winter months.
Many teachers find other ways to make extra money during the summer. Some work in summer school, while others take on private students. Still, others find work in professional development courses. Whatever route you decide to take, be sure to keep learning and growing as a teacher. That’s the best way to maintain your edge in the competitive job market.
Tip #4 – Find free fun!
Another tip is to make a list of summer activities that are affordable and fun.
Here is a little secret… you do not need to spend a fortune in order to have fun. In fact, there are plenty of things to do with no money!
Stretch your budget by picking a few higher ticket items and supplement the rest with free fun!
How do you spend summer break?
Most teachers would agree that the summer break is necessary to avoid burnout during the first six weeks of school. The summer break also gives students and teachers a chance to recharge their batteries and start the new school year fresh.
The teachers I know usually spend their summer break going on trips with my family and friends or relaxing at home. As well as catching up on home projects or reading books and watching movies during free time.
With Your Teacher Pay Structure, What are Your Next Steps?
There are a lot of different ways to spend summer break! Some people choose to travel, others stay home and relax. Still, others take on summer jobs for teachers or side hustles to make some extra money.
And then there are the teachers – they often use their summer break to catch up on work or prepare for the upcoming school year.
No matter how you choose to spend your summer break, it’s important to enjoy it! Take some time to relax and recharge, but also make sure to stay productive and get things done.
That way, you’ll be ready for whatever comes your way when fall arrives.
Know someone else that needs this, too? Then, please share!!
For as long as I can remember, I have known that I wasn’t fit for the corporate world.
Like J.D. Roth, the founder of Get Rich Slowly, I am an introvert, not a fan of authority and even less of structure. So even before I graduated college, I had my mind on one big goal: leave the corporate world as soon as possible. I was working for a big IT multinational in business school; those were not the happiest times, but that job allowed me to graduate debt free, with a small nest egg that I immediately invested to buy my first rental property in cash.
I believe real estate is one of the best way to build wealth and make money, since you generate an almost passive income, but it was far from enough to cover my basic living expenses. I started playing with those online savings calculators to see where my savings would take me in 5, 10 or 20 years. It was a revelation.
Do you know that if you make $2,000 and invest 10 percent of your salary at 6 percent for the next 40 years, you will have $400,289 for only $96,000 invested? At a 4 percent withdrawal rate, your nest egg will produce a monthly income of $1,334. Less than the $2,000 you are making today, or the $1,800 you are living on since you are investing 10 percent of your salary, but no small change.
The thing is, I didn’t want to wait for 40 years. Playing with the calculator some more, I found out that if you can live on 25 percent of your salary, to cover your expenses in retirement, you only need to save for 7 years! Living on 25 percent of my salary was a bit of a stretch, so I looked for ways to make more money. I bought a three-bedroom apartment and took in two roommates. I took odd jobs on top of my day job; I was making money tutoring at night and writing for several travel websites on the weekends, catering at weddings and freelancing as a translator. The plan was to retire around age 40, but I was so determined to quit my last job that I considered an alternative: how about leaving the U.K., where I worked, and relocating abroad?
At the time, I was 29 and owned two rentals in France and the U.K. that would cover my expenses in a cheaper country. I had a few investments that could cover the mortgage on the second rental (the first one was paid for) in case of a vacancy. And my freelance income was more than what I made at my day job. It came from half a dozen sources, and the probability of them all drying up at once was slim. I quit my job and took a one way flight to Morocco.
I lived in Casablanca for a year, and started a life of semi-retirement. I would cycle along the oceanfront, study Arabic, spend hours shopping for fresh produce or eating grilled camel at the market, and travel for weeks at a time to get pictures and posts for my travel writing gigs. I loved my time in Morocco but kept thinking about a country I loved even more, Guatemala. I had lived there for three years after business school, and after traveling to 80 countries, it was still one of my favorite. After a short trip there, I knew it would be my next destination. I found a piece of land by a beautiful lake in the northern area of the country, complete with a lovely little house that could become a guest house someday (one of my dreams). I bought it with cash along with with a 90-acre piece of land that I am turning into a residential development.
I have been living there with my boyfriend for almost a year, and after putting quite a bit of cash into house renovations and building a detached room and panoramic terrace, we are living happily on less than $1,000 a month, or $500 each. Related Content: How to live on less
Here is our budget:
Housing: $0 We bought our property with cash. You can rent a lovely furnished one- or two-bedroom house in Antigua Guatemala or Lake Atitlán, the two favorite retirement spots in the country, for $500 to $700 a month, generally including utilities. For a bigger colonial home, you will have to spend $1,000 to $1,500 per month.
Food: $200 This is pretty high, almost the minimum wage in Guatemala but we like to eat and that includes some imported products we enjoy (like cheese!) and some alcohol. We seldom go out.
Car: $100 We have two old cars that we bought with cash and put about $100 per month in gas.
Electricity: $80 With the house renovations there were drills and tools plugged all day, we occasionally use air conditioning, and pump our water from the lake to cook and shower with an electric pump.
Natural gas: $12 for a 25 lb. container that lasts about a month.
Staff: $300 We have a full time handyman/gardener around the house, who alternates with his girlfriend who comes to clean the house. This is a great perk to living in Guatemala.
Animals: $20 We have a rooster and 10 hens, some turkeys, ducks and roosters. They eat a $20 bag of feed per month, we eat $40 worth of delicious free-range eggs each month. Win-win!
Internet: $80 We spend $40 each. He pays for a data plan on his iPhone, and I pay for a wireless USB modem. It’s expensive, but we are in the middle of nowhere!
Property taxes: $30
Accountant: $20 We own the house and land as an LLC so we need an accountant.
Random: $150 Once in a while we go out, buy something for the house or go over the grocery budget, but that never comes to $150 though, but if something breaks it could. It is quite complicated to get car parts or any parts around here.
That’s a totalof$992 or $496 per person.
On top of that, I spend about $3,000 per year or $250 per month on travel. I fly back to France for a month but stay with my family so apart from a $1,000 ticket I don’t spend a lot, my last trip cost about $2,000 so I still have $1,000 to travel somewhere else, maybe the U.S., by the end of the year.
You may have noticed that I don’t mention healthcare. When I go back to France I get my physical from my doctor, and I do not have health insurance here, just a travel insurance included in my credit card that will repatriate me if something serious happened. This year, I only got a root canal in Guatemala that cost $200.
With the cost of a rental, healthcare and travel back to the U.S. once or twice a year, you could live well here on less than $1,000 per person. Go the extreme early retirement route, and you can live on rice and beans for less than $300, housing included.
But is retiring abroad worth it? I wrote a post recently to compare the costs of early and normal retirement in the U.S. versus abroad, where I concluded that you could either live better than you do for the same price, have a bigger home, some staff, a lovely piece of land with a view for the price of a 500-square-foot condo, or be able to retire years earlier by moving to a cheaper country and living by local standards.
For me, Guatemala meets all my requirement. The weather is mild all year long (they call it the land of eternal spring), people are nice and relaxed, the cost of living is very low and you can find most things you may want or need, from imported tech gadgets to U.S. trained doctors, albeit at a cost. I enjoy my month-long European holiday to visit my family and friends. Since I have been living abroad for the past 10 years anyway, I am used to emailing and Skyping the rest of the year. They visit me occasionally, as well. I could live in France on a similar or slightly higher budget but would not get the same quality of life.
Related Content: Retirement strategies
Where you will spend your retirement is a very personal choice, and for many, being near your family will be on the top of your list. Although if your kids are on the West coast and you are on the East coast, you are just as far away as if you had retired under the Guatemalan sun.
Polly, a leading provider of innovative mortgage capital markets technology, recently announced the appointment of industry veteran Cheryl Messner as chief customer officer (CCO).
Messner, who has extensive experience and expertise in mortgage fintech, joins Polly as the company experiences significant growth and adoption in the industry.
“Polly has revolutionized traditional pricing and loan delivery, while simultaneously establishing an unmatched reputation with their customer partners. I am inspired by the team’s accomplishments thus far, and I am excited to contribute to an organization that truly listens to the voice of the mortgage lender and is committed to exceeding their expectations,” Messner said.
In her new role as CCO, Messner will spearhead corporate strategies aimed at enhancing Polly’s unique customer partner experience. Her responsibilities will include overseeing onboarding and implementation processes, as well as driving cross-functional initiatives to ensure ongoing value and success for customers throughout their lifecycle.
Additionally, Messner will act as a liaison between clients, product development, and technical teams to provide valuable customer insights for the development of impactful features and new functionality.
“In addition to a unique blend of interpersonal and technical expertise, Cheryl possesses innate industry acumen that positions her as an incredible advocate for our customer partners,” Adam Carmel, founder and CEO of Polly, said. “I have full confidence that her vision and strategy will further evolve our customer-first culture and elevate Polly to new heights, always keeping our customers at the forefront of our focus. I am delighted to welcome Cheryl to our team and eagerly anticipate the remarkable achievements we will accomplish together.”
With over two decades of mortgage fintech experience, Messner brings a wealth of knowledge to her new position. During her 15-year tenure at Optimal Blue, Messner played a pivotal role as the director of product management, leading the design, development, and roadmap strategy for the Optimal Blue PPE.
Prior to that, Messner held senior and executive-level roles in client services. Most recently, she served as EVP of customer success and experience at Sales Boomerang and Mortgage Coach, focusing on operations, growth opportunities, and client engagement.
Messner’s appointment follows the recent hiring of Parvesh Sahi, former SVP of business and client development at ICE Mortgage Technology, as chief revenue officer at Polly. With the company’s mounting success and adoption across the industry, Polly continues to attract top talent and solidify its position as a pioneering force in mortgage technology.
Founded in 2019 by a team of experienced technology and mortgage professionals, Polly is a San Francisco-based provider of mortgage capital markets technology for banks, credit unions, and mortgage lenders nationwide.
This content was generated using AI, and was edited and fact-checked by HousingWire’s editors.