Financial Wize

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1. Wind Turbine Service Technician

National average salary: $61,770

Job growth outlook: 60%

Job description:

•   Install, repair, and maintain wind turbines

•   Collect turbine data for analysis

•   Service underground systems related to wind turbine maintenance

•   Minimum interaction with colleagues makes this a promising job for antisocial people

Requirements: Likely need certification

How to get started: You can attend a technical school for this occupation and learn additional skills on-the-job to advance your career

2. Solar Photovoltaic Installer

National average salary: $48,800

Job growth outlook: 48%

Job description:

•   Set up, assemble, and maintain systems which convert sunlight into energy

•   Connect panels to electrical systems

•   Perform routine maintenance of photovoltaic systems

Requirements: High school diploma or equivalent

How to get started: You’ll typically need to take courses at a technical college and receive on-the-job training

3. Security and Fire Alarm System Installer

National average salary: $56,430

Job growth outlook: 9%

Job description:

•   Ensure work aligns with relevant local codes

•   Install and program security and fire alarm wiring and equipment

•   Perform routine maintenance and repairs to wiring and equipment

Requirements: High school diploma or equivalent

How to get started: You can attend technical school or get an entry-level job and receive training there

4. Floor Layers

National average salary: $48,690

Job growth outlook: 6%

Job description:

•   Remove existing floor materials to prep for installation

•   Lay and finish materials on floors

•   Lay and set materials on other surfaces such as countertops, showers, and walls

Requirements: None

How to get started: You can work as an assistant or apprentice, and learn additional skills on the job to advance your career

5. Tile and Stone Setter

National average salary: $48,690

Job growth outlook: 6%

Job description:

•   Remove existing materials to prep surfaces

•   Apply tile or stone to floors, walls, and countertops

•   Lay tile and stone in accordance to design plans

Requirements: None

How to get started: You can work as an assistant or apprentice, and learn additional skills on the job to advance your career

6. Industrial Machinery Mechanic

National average salary: $61,170

Job growth outlook: 15%

Job description:

•   Disassemble and reassemble problematic machinery

•   Repair or replace malfunctioning machinery components

•   Perform tests and calibrate machinery to required specifications

Requirements: High school diploma or equivalent

How to get started: Work as an apprentice or assistant, and learn skills on the job

7. Commercial Diver

National average salary: $61,300

Job growth outlook: 8%

Job description:

•   Build, repair, and inspect structures submerged in liquid

•   Work in teams to coordinate underwater tasks

•   Work with other professionals to ensure tasks are conducted safely, such as with engineers to lay foundations for a bridge

Requirements: Technical school

How to get started: You’ll need technical school and on-the-job training to advance

8. Aircraft Mechanic and Service Technician

National average salary: $75,400

Job growth outlook: 5%

Job description:

•   Diagnose electrical or mechanical problems on aircraft

•   Ensure work meets performance requirements

•   Test parts of aircraft with diagnostic equipment

Requirements: High school diploma or equivalent

How to get started: You’ll likely need specialized certifications

9. Mobile Heavy Equipment Mechanic

National average salary: $61,000

Job growth outlook: 9%

Job description:

•   Perform routine maintenance on machinery

•   Diagnose and repair or replace defective parts

•   Travel to worksite for heavy or large equipment

Requirements: High school diploma or equivalent

How to get started: You may need technical school or an entry-level position and on-the-job training

10. Farm Equipment Mechanic and Service Technician

National average salary: $48,010

Job growth outlook: 7%

Job description:

•   Perform routine maintenance on farm machinery

•   Diagnose and repair parts on broken farm equipment

•   Maintain records of repairs and maintenance

Requirements: High school diploma or equivalent

How to get started: You’ll need either technical school or an entry-level position to receive on-the-job training

11. Millwright

National average salary: $61,170

Job growth outlook: 15%

Job description:

•   Inspect and replace or repair broken or defective machinery in factories, power plants, and construction sites

•   Test major components when necessary

•   May need to travel to conduct repairs and maintenance tasks

Requirements: High school diploma or equivalent

How to get started: You’ll need an apprenticeship program, which can last several years

12. Airfield Operations Specialist

National average salary: $51,140

Job growth outlook: 5%

Job description:

•   Coordinate between air traffic control and maintenance personnel

•   Implement airfield safety procedures

•   Monitor and maintain flight records

Requirements: High school diploma or equivalent

How to get started: You’ll need some training in technical school or on the job

13. Pump Operators

National average salary: $54,690

Job growth outlook: 5%

Job description:

•   Tend, control, and operate pumps (portable, power-driven, or stationary)

•   Handle equipment to transfer materials such as oil, liquid, and gasses to and from vessels

Requirements: High school diploma or equivalent

How to get started: You’ll typically need either technical school or to work as an apprentice and receive training on the job

14. Aircraft Cargo Handling Supervisor

National average salary: $58,920

Job growth outlook: 8%

Job description:

•   Coordinate and supervise loading, unloading, staging, and securing of aircraft baggage or cargo

•   May need to assist members of flight crews in handling in-flight cargo

•   May need to determine cargo quantity to ensure it’s loaded safely

Requirements: High school diploma or equivalent

How to get started: You’ll need related experience, such as cargo handling, to be promoted to the job

15. Commercial Pilot

National average salary: $171,210

Job growth outlook: 5%

Job description:

•   Fly and navigate aircraft such as airplanes and helicopters

•   Ensure aircraft is balanced and in good condition before flights

•   Monitor aircraft during flight, takeoff, and landing

Requirements: High school diploma or equivalent

How to get started: You’ll need to complete flight training

Recommended: Is $100,000 a Good Salary?

16. Subway and Streetcar Operator

National average salary: $84,270

Job growth outlook: 4%

Job description:

•   Drive and maneuver public transportation

•   Watch for obstructions and other vehicles at crossings and remain alert to potential hazards

•   Report delays or mechanical problems using dispatch devices like radios

Requirements: High school diploma or equivalent

How to get started: May need formalized training

17. Massage Therapist

National average salary: $55,310

Job growth outlook: 18%

Job description:

•   Speak with clients about symptoms, treatment goals, and medical history

•   Manipulate muscles, ligaments, and other soft tissues on the body

•   Offer guidance on stretching and strengthening muscles

Requirements: You’ll need to get certified and licensed

How to get started: Attend training school; some programs help with job placement. Wages may be paid by salary or hourly.

18. Community Health Worker

National average salary: $48,200

Job growth outlook: 13%

Job description:

•   Develop materials and programs to teach the community about health topics

•   Help community find health services

•   Analyze data from community to learn how to help and improve services

•   Good opportunity for working after retirement

Requirements: High school diploma or equivalent

How to get started: You’ll usually need certification and on-the-job training

19. Private Detective and Investigator

National average salary: $49,540

Job growth outlook: 5%

Job description:

•   Conduct surveillance and collect evidence for clients

•   Search records to gather clues

•   Interview people to collect information that will help investigation

•   Because investigations are increasingly conducted online, this can be an interesting work-at-home job for retirees

Requirements: High school diploma or equivalent; may need licensing, depending on the state

How to get started: You’ll most likely need work experience, so it’s best to get started assisting another private detective or investigator

Recommended: Does Net Worth Include Home Equity?

20. Hearing Aid Specialist

National average salary: $58,670

Job growth outlook: 15%

Job description:

•   Administer and interpret hearing tests

•   Take ear impressions in order to prepare, design, or modify ear molds

•   Help select and fit hearing aids

Requirements: High school diploma or equivalent

How to get started: You can get hired as an assistant or apprentice and receive on-the-job training

21. First-Line Supervisor of Security Workers and Protective Service Workers

National average salary: $67,800

Job growth outlook: 4%

Job description:

•   Supervise and manage security and protective service staff

•   Create and maintain records related to the job

•   Ensure security and protective service workers are monitoring potential hazards and dangerous situations

Requirements: High school diploma or equivalent

How to get started: You’ll typically be promoted after years of experience

Recommended: What is The Difference Between Transunion and Equifax?

The Takeaway

It’s possible to earn a good income without having to complete a college degree. Many skilled positions still require technical school, apprenticeship, or on-the-job training. Certifications may also be required. Job growth looks promising for specialized mechanics and machine operators, security supervisors, and health workers. Other industries needing skilled labor include transportation, construction, and renewable energy. As long as you’re willing to put in the work and continue learning, you can be on your way to a fruitful career.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What job gets paid the most without college?

Some of the best paid jobs that don’t require a college degree include those in construction, maintenance and repair, and transportation.

What is the easiest job to get without a degree?

The easiest jobs to get without a college degree include entry-level positions in the construction or transportation industries.

Photo credit: iStock/dusanpetkovic

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SORL-Q424-010

Source: sofi.com

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Fort Wayne is known for its affordable cost of living, growing job market, and friendly people, making it an appealing option for many. That said, like any city, Fort Wayne has its own set of advantages and disadvantages. Let’s take a closer look at 11 of the most impactful pros and cons of living in Fort Wayne to help figure out whether or not it’s the place for you.

Fort Wayne at a glance

Walk Score: 32 | Bike Score: 41 | Transit Score: 22
Median Sale Price: $225,900 | Average Rent for 1-Bedroom Apartment: $1,142
Houses for rent in Fort Wayne | Apartments for rent in Fort Wayne | Homes for sale in Fort Wayne

1. Pro: Affordable housing

Fort Wayne has one of the most affordable housing markets in the U.S. Median home sale prices are well below the national median of $427,496. Apartments in Fort Wayne follow a similar pattern and typically go for around $1,078 on average. This affordability makes it easier for residents to enjoy a comfortable lifestyle without stretching their budgets to the limit.

2. Con: Limited public transportation 

While Fort Wayne is easy to navigate by car, the public transportation system is limited. Citilink, the local bus service, covers some areas, but it may not be convenient for all. If you don’t own a car, getting around can be challenging, especially for commuting to certain neighborhoods or reaching destinations on the outskirts of town.

3. Pro: Expanding job market 

Fort Wayne’s job market is steadily growing, with particular strengths in manufacturing, healthcare, and education. Large employers like Parkview Health, General Motors, and Steel Dynamics provide ample job opportunities, while the city’s focus on innovation and technology is opening doors for new industries. For those seeking employment or career advancement, Fort Wayne has some solid options.

4. Con: Weather extremes 

Fort Wayne experiences a wide range of weather, from hot, humid summers to cold, snowy winters. The unpredictability of the weather can be a drawback for some, especially those unaccustomed to frequent temperature fluctuations. Snow removal can be a hassle, and summer humidity can make outdoor activities less enjoyable.

5. Pro: Thriving arts scene 

For a mid-sized city, Fort Wayne has a surprisingly strong arts scene. The Fort Wayne Museum of Art, the Embassy Theatre, and events like the annual Three Rivers Festival provide year-round entertainment.

6. Con: Lack of professional sports teams 

If you’re a sports fan, you may find Fort Wayne’s offerings lacking. While the city does have minor league teams like the TinCaps (baseball) and the Komets (hockey), it lacks professional franchises. Sports fans might have to visit friends living in Indianapolis or Chicago for big-league action.

7. Pro: Beautiful parks 

Fort Wayne is home to an impressive amount of parks and green spaces. The city’s parks system includes over 80 parks, like the stunning Lakeside Park & Rose Garden and the expansive Franke Park. Rivergreenway Trail, which winds along the St. Marys River, provides scenic paths for walking, biking, and running.

8. Con: Limited nightlife 

If you’re looking for a city with elite nightlife, Fort Wayne might not meet your expectations. While there are bars, breweries, and live music venues, the city’s nightlife is more laid-back compared to larger Indiana cities. 

9. Pro: Emphasis on education

Fort Wayne is home to several higher education institutions, including Purdue University Fort Wayne and Indiana Tech. These colleges offer a range of programs and cement the city’s status as one of the best college towns in Indiana. The presence of these schools also adds a youthful vibe to the city and provides continuing education opportunities for residents of all ages.

10. Con: Slower pace of life 

Despite being one of the better college towns in Indiana, Fort Wayne has a relaxed and slower pace of life. For some, it’s a welcome change from the hustle and buzz of bigger cities. For others, the laid-back atmosphere might feel too quiet. Those who crave constant activity may find themselves seeking more excitement elsewhere.

11. Pro: Convenient location 

Fort Wayne’s central location in the Midwest makes it easy to travel to nearby cities like Indianapolis, Chicago, and Detroit. It’s close enough to enjoy weekend trips but still offers the perks of small-town living. The city is also served by the Fort Wayne International Airport, making air travel relatively convenient.

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com

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The SBA Working Capital Pilot (WCP) program offers business lines of credit as part of the SBA 7(a) loan program. Although the SBA also offers lines of credit through the CAPLines program, the WCP program is designed to provide greater flexibility and serve a wider range of small-business owners.

Like other SBA loans, WCP lines of credit provide large funding amounts, competitive interest rates and long terms. These small-business loans can be a good option for established businesses that want access to working capital.

How much do you need?

We’ll start with a brief questionnaire to better understand the unique needs of your business.

Once we uncover your personalized matches, our team will consult you on the process moving forward.

What is the SBA Working Capital Pilot program?

The SBA Working Capital Pilot program is an SBA loan program that offers business credit lines that are partially guaranteed by the U.S. Small Business Administration. These working capital lines of credit are issued by participating lenders, typically banks and credit unions.

The WCP is a pilot loan program, meaning these products are available from a limited time unless the program is extended or made permanent. Currently, the program is set to run from Aug. 1, 2024 through July 31, 2027

.

Pilot loan programs, including this one, fall under the umbrella of the SBA 7(a) loan program and follow many of that program’s guidelines.

How does the SBA Working Capital Pilot program work?

SBA Working Capital Pilot lines of credit are available up to $5 million and can be used for a variety of working capital needs.

There are two types of credit lines available through this program:

  • Transaction-based. These business lines of credit can be used for a single or multiple purposes during the term. Transaction-based WCP credit lines may be revolving or non-revolving based on the needs of the business.

  • Asset-based. These products are revolving lines of credit that are backed by specific collateral, in the form of a monthly borrowing base certificate (BBC). A BBC reports the value of your assets, usually accounts receivable and inventory, that support your credit line amount.

With both types of WCP lines of credit, your lender must perform a review on an annual basis (at a minimum). As part of this process, it will need to document that you are creditworthy, can make your payments and are compliant with the WCP program requirements.

If you can’t meet these criteria, the lender will not be able to approve any further draws nor renew the credit line until the requirements are met.

SBA Working Capital Pilot program features

Terms

The maximum term on a SBA Working Capital Pilot line of credit is 60 months. For this program, the “term” refers to the period of time in which the lender agrees to lend you this credit. Your lender can, however, set independent loan “maturities” (usually on an annual basis) to take place during the term.

In other words, your maturity would dictate your repayment period. If your lender sets a maturity of one year, for example, you would need to make your final repayment on any funds you borrowed by the end of those 12 months.

Interest rates

Interest rates on SBA Working Capital Pilot lines of credit are the same as SBA 7(a) loan rates. This means that rates are set based on the prime rate, plus a spread that’s negotiated between you and your lender. Rates can be fixed or variable, but are subject to SBA maximums, which are determined by the size of your credit line.

Currently, fixed rates range from 13% to 16% and variable rates range from 11% to 14.5%.

Fees

Like other SBA 7(a) loans, your lender can charge a variety of fees on top of interest, including:

  • Service and packaging fees.

  • Extraordinary service fees.

  • Out-of-pocket expense fees.

  • Late payment fees

The SBA guarantee fee, however, works differently for the WCP program than it does for other loans. For the WCP program, you pay an annual short-term guarantee fee. The lender charges a proportional amount of this fee for each year your line of credit is in use.

The benefit of this structure is that you pay a short-term fee for a one-year term, rather than for a long-term maturity (which is how you would pay it for other types of 7(a) loans).

Pros and cons of the SBA Working Capital Pilot program

Pros

Competitive interest rates.

Large credit line amounts.

Can be used for a variety of working capital needs.

Option for one-on-one counseling with SBA Export Finance Managers.

Cons

Can be hard to qualify.

Slow to fund.

Requires collateral and personal guarantee.

SBA Working Capital Pilot program requirements

  • Must be a for-profit business, in an eligible industry, operating in the U.S.

  • Must be able to show your creditworthiness and ability to repay the loan.

  • Can’t get the desired loan on reasonable terms from other lenders.

  • Must be able to demonstrate the need for a loan and show the business purpose for which you’ll use the funds.

  • Cannot be delinquent on any existing government loans.

  • Owners of 20% or more of the business must provide a personal guarantee.

You’ll also need to meet program-specific requirements, which include the following:

  • Must have a history of at least 12 full months of operations (i.e. generating revenue from your business operations).

  • Must be able to provide timely and accurate financial statements, accounts receivable and accounts payable aging reports and inventory reports.

Keep in mind that although the SBA doesn’t define credit score or annual revenue requirements, you’ll need to meet these qualifications as set by your lender. In general, it’s helpful to have good credit (a score of 690 or higher) and strong revenue.

How to apply for the SBA Working Capital Pilot program

To apply for a line of credit through the SBA Working Capital Pilot program, you’ll work directly with a participating lender, like a bank or credit union. If you have a pre-existing relationship with a financial institution, you might reach out to ask if it offers this type of SBA loan.

Although the application process will vary based on your SBA lender, you’ll generally need to provide:

  • SBA Form 1919, Borrower Information Form.

  • SBA Form 912, Statement of Personal History.

  • Business financial statements, such as balance sheets, profit and loss statements and projected financial statements.

  • Accounts receivable and accounts payable aging reports and applicable inventory reports.

  • Business certificate or license.

  • Loan application history.

  • Income tax returns.

  • Resumes for each business owner.

  • Business overview and history.

  • Business lease.

For this program, the lender will also require a lien on any collateral associated with transactions that you finance using your WCP credit line. This may include inventory, accounts receivable and contract proceeds, among other assets.

Once you submit your application, the underwriting and closing processes can take anywhere from 30 to 90 days. SBA Preferred Lenders may offer faster processing times, as they can issue loans without prior SBA approval.

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Est. APR 

20.00-50.00%

Est. APR 

27.20-99.90%

Est. APR 

15.22-45.00%

Min. credit score 

625

Min. credit score 

625

Min. credit score 

660

Source: nerdwallet.com

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Known for its tropical climate, sandy beaches, and electric cities, Florida provides a lifestyle full of sunshine, but it also comes with its own set of challenges. From the party atmosphere of Miami to the laid-back lifestyle in the Florida Keys, the Sunshine State provides plenty of opportunities, though it may not be for everyone. So, is Florida a good place to live? Here’s a detailed look at the pros and cons of living in Florida to help you determine if it’s the right state for you.

Is Florida a good place to live?

Moving to Florida means embracing warm weather, outdoor activities, and a bustling tourism industry. With its renowned universities like the University of Florida and Florida State University, the state has a range of educational opportunities. Major industries include tourism, aerospace, healthcare, and agriculture, so job prospects are generally plentiful. Large cities in Florida like Miami, Orlando, and Tampa offer lively nightlife, cultural events, and dining, while areas like St. Augustine and Fort Myers offer more relaxed, small-town coastal charm.

When it comes to weather, Florida is known for its year-round heat and humidity. Summers can be scorching, with hurricanes, but the abundance of outdoor activities—from boating and fishing to beach lounging—makes up for it. Here’s what you need to know about life in Florida, broken down into the pros and cons.

Florida state overview

Population 21,538,187
Biggest cities in Florida Jacksonville, Miami, Tampa
Average rent in Jacksonville $1,364
Average rent in Miami $2,731
Average rent in Tampa $2,147

1. Pro: Tropical weather and endless outdoor activities

Florida’s weather is perfect for those who love the sunshine. With a tropical and subtropical climate, you can enjoy year-round activities like swimming, fishing, and kayaking. From the Everglades to the Gulf of Mexico, Florida’s unique landscapes offer something for everyone’s lifestyle. Whether you want to go deep-sea fishing off the coast of Key West or hike in the Ocala National Forest, you’re never short of things to do outside.

Insider tip: Visit Dry Tortugas National Park for an unforgettable snorkeling experience or take a scenic drive through the Florida Keys for breathtaking ocean views and a taste of island life, there’s plenty to do in Florida.

2. Con: Intense heat and frequent hurricanes

While the warm weather can be a major draw, Florida’s heat and humidity can be overwhelming, especially during the summer months when temperatures regularly exceed 90°F. The state also faces frequent hurricanes and tropical storms, particularly during the peak hurricane season from June to November. This can lead to flooding, property damage, and prolonged power outages.

Local tip: To stay safe during hurricane season, make sure to download local weather apps like Florida Storms, and sign up for alerts from the National Hurricane Center. Having a storm preparedness kit and a backup generator is also key to riding out potential power outages. Staying informed and alert is the best way to protect yourself from Florida’s unpredictable weather.

3. Pro: Strong job market, especially in tourism and healthcare

Florida has a growing job market, particularly in industries such as tourism, aerospace, and healthcare. With top attractions like Disney World and Universal Studios in Orlando, and a booming hospitality industry, the state offers numerous employment opportunities. 

4. Con: Traffic congestion and public transportation limitations

Florida’s large cities, particularly Miami and Tampa, are notorious for heavy traffic. With limited public transportation options outside of major metropolitan areas, owning a car is almost a necessity. Traffic jams can turn a short drive into a lengthy commute, especially during tourist season from November to April, when visitors flock to the state.

5. Pro: No state income tax and affordable cost of living

One of the biggest financial benefits of living in Florida is the lack of state income tax, which makes the state an attractive option for those looking to save. While some areas like Miami and Naples are pricier—with Miami’s average rent at $2,731 and Naples at $2,122—more affordable options can be found in cities like Gainesville and Lakeland. In Gainesville, the average rent is around $1,278, while Lakeland offers even more budget-friendly options with rents averaging $1,198. This range of affordability makes Florida appealing for people seeking diverse living arrangements across the state.

6. Con: High humidity and pests

Florida’s high humidity not only makes it feel hotter than it is, but it also attracts a variety of pests. From mosquitoes to palmetto bugs, dealing with insects is a year-round issue in this state. In the summer months, you’ll likely need to invest in pest control or at least stock up on bug spray.

Insider tip: To help manage the humidity and avoid pests, use a dehumidifier in your apartment and regularly check for signs of moisture or leaks that could lead to infestations.

7. Pro: Stunning beaches and waterfront living

With over 1,300 miles of coastline, Florida is home to some of the most beautiful beaches in the U.S. From the sugar-white sands of Destin to the lively shores of South Beach in Miami, there’s a beach for every lifestyle, whether you’re seeking a quiet escape or a vibrant social scene. Many Florida residents enjoy waterfront living, with endless opportunities to boat, fish, paddleboard, or simply relax by the ocean. Coastal living also means access to stunning sunrises on the Atlantic and breathtaking sunsets on the Gulf of Mexico, making Florida’s beaches a year-round attraction

8. Con: Tourism overload

While Florida’s tourism industry supports the local economy, it can be overwhelming for residents. Popular destinations like Orlando, Miami, and the Florida Keys can become incredibly crowded, especially during peak tourist seasons like spring break or winter holidays. Locals often face long lines, higher prices, and crowded attractions.

Insider tip: If you want to avoid tourists, visit popular spots during the off-season and explore lesser-known areas like Amelia Island or Cedar Key for a more tranquil Florida experience.

9. Pro: Diverse culture and entertainment

Florida’s diverse population brings a rich mix of cultural experiences, from fabulous cuisine in Miami to world-class art galleries in Sarasota. With its many festivals, music events, and art shows, Florida offers endless entertainment options. 

Travel tip: Attend Miami’s Calle Ocho Festival for a lively celebration of Latin culture or explore the Salvador Dalí Museum in St. Petersburg for a deep dive into surrealist art.

10. Con: Unpredictable wildlife encounters

Living in Florida means you’ll likely encounter some unique wildlife, including alligators, snakes, and invasive species like iguanas. While these creatures usually keep their distance, they can occasionally make unwelcome appearances, especially near bodies of water. Managing wildlife can be a concern, particularly if you live near wetlands or lakes.

Pros and cons of living in Florida: Overview

Pros Cons
Tropical weather and outdoor activities Intense heat and frequent hurricanes
Strong job market, especially in tourism  Traffic congestion and public transit limitations
Affordable cost of living High humidity and pests
Stunning beaches and waterfront living Tourism overload
Diverse culture and entertainment Unpredictable wildlife encounters

Source: rent.com

Apache is functioning normally

The Offer

Check your Bank of America deals for the following offer:

  • Earn 5% cash back on all of your Cash Back purchases, until a $3.00 cash back maximum is reached. To qualify for 5% cash back offer, you must first activate the Cash Back tile. Then, make a purchase with an eligible Bank of America debit or credit card from any of the following eligible merchants: BP, ExxonMobil, Shell, Lowes Foods, QuikTrip.

The Fine Print

  • Offer expires 11/7/2024.
  • Offer valid for multiple use.
  • Offer stackable with other BankAmeriDeals cash back offers.
  • Maximum cash back amount is $3.
  • Your cash back will not post immediately and should be credited within 45 days of redemption. Payment must be made directly with the merchant. Offer not valid on purchases made using third-party services, delivery services, or a third-party payment account (e.g. buy now pay later). Payment must be made on or before offer expiration date.

Our Verdict

Just a $3 limit, nice little savings at these gas stations or Lowes Foods.

Hat tip to reader T

Source: doctorofcredit.com

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The Offer

Check your emails for the following offer on the Amazon Prime store card from Synchrony (subject: <your name>, don’t miss an extra $5 in rewards):

  • Make a purchase at Whole Foods Market with your Amazon Prime store card using an in-store code and get $5 in rewards. Valid 11/1/24 – 11/30/24.

The Fine Print

  • To qualify for this offer you must make a purchase at Whole Foods Market with your Prime Store Card using your in‑store code between 11/1/2024 and 11/30/2024.
  • For accounts that qualify, a $5 reward will be posted to your account’s reward balance within 1–2 billing cycles from the offer end date. Account must remain open, in good standing, and not be delinquent at the time the reward is issued. Only one $5 reward can be earned per account with this offer. Subject to credit approval. This offer is for the intended recipient of this communication only and is not transferable.

Our Verdict


I got this email and others did as well. My guess is that all Amazon Prime Synchrony store cardholders got the email, but I’m not certain.

It says, “when you make your first purchase”; I believe that means that the $5 reward only comes once on your first purchase (I believe it should work even for those who have shopped previously in the lives at Whole Foods).

Source: doctorofcredit.com

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The Capital One Lounge at Washington Dulles International Airport (IAD) provides a modern, pleasant atmosphere to relax or work away from the main terminal, in addition to what I consider to be the best food-and-beverage amenities of any lounge at Dulles.

Travelers can expect:

  • A unique selection of small, hot plates at the buffet.

  • A full-service espresso bar, including craft tea and (awesome) baked goods.

  • Complimentary cocktails, wine and beer.

  • Grab-and-go food to take out of the lounge, including sandwiches, salads, fruit, baked goods, coffee and sodas. 

  • Two semi-private work areas.

  • A nursing/parents room. 

  • Complimentary Wi-Fi.

I used my new Capital One Venture X Rewards Credit Card to access the Capital One Lounge Dulles during an eight-hour layover and was thoroughly impressed with the food, beverages and staff. At 8,000 square feet, the lounge was large enough to accommodate peak traffic periods without feeling overly crowded. It lacks some of the amenities of higher-end lounges, like showers and sleeping spaces. But the option to pack a bag with snacks and drinks before leaving for my connecting flight was among my favorite features of any lounge I’ve visited.

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Where is the Capital One Lounge Dulles?

The Capital One Lounge at IAD is located on the ticketing level in the main terminal right after the TSA PreCheck checkpoint. Follow signs towards Gate D, H and Z, go up the escalator, then make a left towards the elevators marked “Capital One Lounge” located adjacent to the Z Gates.

Elevator to the Dulles Capital One Lounge adjacent to the X Gates. (Photo by Craig Joseph)

If you’re on a connecting flight, take the train to the main terminal, go up the first set of escalators, head towards the TSA PreCheck security checkpoint, then follow the instructions above.

Escalator to the Dulles Capital One Lounge adjacent to security in the main terminal. (Photo by Craig Joseph)

Spaces to relax and work

Seating in the Dulles Capital One Lounge. (Photo by Craig Joseph)

The open-seating areas are completed with modern furniture and decor that is simple and pleasant. The perimeter of the lounge is covered in glass, with plenty of natural sunlight to make the space feel bright and airy.

Semi-private seating area in the Dulles Capital One Lounge. (Photo by Craig Joseph)

There are also two semi-private lounge areas to relax or get some work done. This is where I spent the majority of my layover.

Semi-private seating area in the Dulles Capital One Lounge. (Photo by Craig Joseph)

Bathrooms and nursing rooms

Bathroom in the Dulles Capital One Lounge. (Photo by Craig Joseph)

The lounge has two bathrooms, which was more than enough during periods of lower traffic, but once crowds increased there was a short wait. There’s also a private nursing room for parents in a comfortable and quiet area.

Nursing room in the Capital One Lounge Dulles. (Photo by Craig Joseph)

Food and beverage options

Coffee bar

Coffee bar in the Dulles Capital One Lounge. (Photo by Craig Joseph)

The coffee bar is among my favorite features of the lounge. Guests have access to multiple varieties of drip coffee, a full-service espresso bar and multiple tea options. There are even draft handles for self-service lattes and cold brew. All beverages are available in a mug or a to-go cup.

The baked goods at the coffee bar were also very good and included banana date cake, croissants and, my favorite, strawberry pop-tarts. They also have paper bags so you can grab a snack to go, which I did with a second pop-tart.

Coffee bar pastries in the Dulles Capital One Lounge. (Photo by Craig Joseph)

Buffet

Food options in the Dulles Capital One Lounge. (Photo by Craig Joseph)

The hot food options are plentiful and are served as small plates at the buffet. During my extended stay in the lounge, the staff did an excellent job at keeping the buffet stocked with:

  • Marinated tomato salad.

  • Olive tapenade crostini.

  • Lebanese-inspired deviled eggs.

  • Meatcrafters antipasti.

  • Chef Morris’s mac and cheese.

  • Roasted butternut squash with pepitas.

  • Buttermilk biscuit and pimento cheese.

  • Grilled lamb in a green sauce.

  • Shrimp bao buns.

  • Deserts, including chocolate chip cookies, s’mores bars and coconut parfait.

I tried nearly everything the buffet had to offer. My favorites were the tomato salad, antipasti, roasted butternut squash with pumpkin seeds, and mac and cheese.

Food options and cocktail in the Dulles Capital One Lounge. (Photo by Craig Joseph)

The cookies looked delicious, but I opted for a s’mores bar, which was gooey and decadent.

Food options in the Dulles Capital One Lounge. (Photo by Craig Joseph)

Bar

Bar in the Dulles Capital One Lounge. (Photo by Craig Joseph)

The bar serves both alcoholic drinks and mocktails. Wine, beer and cocktails are complimentary, or you can purchase a bottle of champagne or small-batch spirits as part of the lounge’s “Rare Bottle Club.”

The cocktails were fantastic, second only to the quality of the bartenders, who were laughing and interacting with patrons while generally making the bar area a lively place to hang out. The lounge’s signature cocktail, the “Bee’s Knees,” is a gin drink with lemon and honey that was refreshing without being overly sweet. I’m not normally one for gin, but after seeing it was presented in a bee-shaped cocktail glass, I had to try it.

Bees-knees cocktail in the Dulles Capital One Lounge. (Photo by Craig Joseph)

Non-alcoholic options

There are lots of non-alcoholic beverage options in the lounge, including eight draft handles serving water, sodas, tea and lemonade. Additionally, the coffee bar serves a variety of teas and espresso drinks, and the bar serves mocktails. You can also grab a variety of sparkling or still water from the grab-and-go section.

Takeout food

Grab-and-go food options in the Dulles Capital One Lounge. (Photo by Craig Joseph)

This is where the Capital One Lounges really set themselves apart. Whether you only have a few minutes to pop into the lounge before your flight or you want a snack for the plane after devouring all the other food options (hand raised), everyone is encouraged to take food to go, with options including:

  • Chickpea salad wraps.

  • Chicken, turkey, or Italian sandwiches.

  • Steel-cut oatmeal.

  • Mango papaya acai bowl.

  • Strawberry shortcake.

  • Watermelon and pineapple fruit salad.

  • Buffalo humus cup.

  • Local grilled peach salad.

  • Grilled corn salad.

  • Flavored bubbly sparkling waters.

I took an acai bowl and pop-tart from the coffee bar for my flight. Both were delicious.

The lounge never seemed overly crowded during my extended visit. There were two rushes of people that led to a crowded bar, but the staff kept up well with keeping the buffet stocked and there was always seating available. If the lounge does hit capacity, visitors will have to join a waitlist before entering.

Use the Capital One app to join the waitlist

If you’re a Capital One Venture X Rewards Credit Card or Capital One Venture X Business cardholder, you can join the waitlist for the Dulles Capital One Lounge (and other Capital One lounges) on the Capital One app. Go to the Rewards & Benefits tile, then tap the airplane icon.

From there, you can select a lounge from the Capital One lounge locations and view the capacity. You’ll receive a text notification when it’s your turn to enter. To minimize waiting time, you might want to join the waitlist before you arrive.

If you don’t have the Capital One Venture X Rewards Credit Card or Capital One Venture X Business card, you’ll have to wait in the physical line.

How to get into the Capital One Lounge

The lounge is open every day from 5:30 AM to 9:00 PM. You’ll need a same-day boarding pass and can enter the lounge a maximum of three hours max before your flight. If you have a connecting flight, there is no time restriction for entering the lounge before your flight.

Capital One Venture X Rewards Credit Card (including authorized users) and Capital One Venture X Business primary cardholders (excluding authorized users) receive unlimited complimentary access to any Capital One Lounge with up to two guests per visit. Additional guests cost $45 each, and children under two years old can enter for free with a parent or guardian.

Cardholders must present their eligible card to enter the lounge, and virtual card numbers are not accepted.

Non-cardholders and non-customers can enter the lounge for a rate of $90 per visit.

Capital One Venture X Business

Capital One Venture X Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One Spark Miles for Business

Annual fee

$0 intro for the first year, then $95.

Capital One lounge access policy

Unlimited access. Includes two guests per visit.

Unlimited access. Includes two guests per visit.

Two visits per year.

Two visits per year.

Learn more

🤓Nerdy Tip

Currently, Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business receive two free passes each year. Additional guests are $45 each. However, starting Jan. 1, 2025, Capital One Venture Rewards Credit Card and Capital One Spark Miles for Business cardholders must pay $45 per visit. Guests will also cost $45 per person.

Is it worth visiting the Capital One Lounge at IAD?

The Capital One Lounge Dulles is among my favorite lounges to date. The food and drinks were excellent, the staff was pleasant and the ambience was modern and bright. For eligible cardholders, I highly recommend seeking out the Capital One Lounge if you’re transiting through Dulles.

How to maximize your rewards

Source: nerdwallet.com