medications

Apache is functioning normally

Kansas City, MO is the sixth-largest city in the Midwest with over 481,000 people calling it home. Like all big cities, Kansas City has some great amenities like shops, entertainment venues and incredible restaurants.

Kansas City has some perks that not every large city in the U.S. can boast, though. Like the infrastructure — it’s designed to make driving less of a hassle. Raise your hand if you can’t wait to stop spending hours in bumper-to-bumper traffic!

Another perk of living in this city is the low prices. The cost of living in Kansas City, MO is 6.3 percent lower than that U.S. average. That number has dropped in the last year, too, by 2.3 percent.

To find out whether this city is for you, you’ll need to see if it meshes with your budget. Can you really afford the average rent in Kansas City, MO when you add the following factors into the total cost of living?

Housing costs in Kansas City, MO

The biggest expense in your monthly budget is housing costs. Where you live and what you pay for rent will have a direct and sometimes radical impact on the cost of living in Kansas City, MO.

Housing costs in the city are only 1.6 percent lower than the national average. Interestingly, this is a 13.8 percent increase over the cost of housing in 2020. One reason for the increase is that the demand for housing is up but the supply is not meeting that need.

The average rent in Kansas City, MO is $1,540 per month. However, there are neighborhoods throughout the city where you’ll find apartments for much higher (almost $1,000 more) and those for much less. If you look for apartments in the River Market area, you’ll be happy to learn that the average rent in that neighborhood is $2,338. On the other hand, if you look in the River View neighborhood, you’ll find an average rental rate of $720 per month.

Average rent prices in cities near Kansas City, MO

If you’re not sure you want to live directly in this city or aren’t happy with the average rent in Kansas City, MO, another option is to find an apartment for rent in nearby cities. The following cities range from 15 minutes to more than an hour away from Kansas City, so far enough from the hustle and bustle but close enough to still enjoy time spent in the city regularly.

Home prices in Kansas City, MO

You aren’t limited to renting in Kansas City. You might find that purchasing a home is, overall, more affordable for you and your family.

According to Redfin, the average cost of a house in Kansas City is $250,000, an increase of over 11 percent since 2020. As with rentals, the housing market is very competitive with most homes getting multiple offers and selling for 2 to 6 percent higher than the asking price.

Monthly mortgage rates are a little cheaper than the average rent in Kansas City, MO. You’d pay $1,079 per month with a 5 percent down payment or $909 with 20 percent down.

Food costs in Kansas City, MO

Kansas City is one of those awesome cities where you can get big city amenities but you don’t always have to worry about big city prices. Take food costs as an example. On average, they’re 11.4 percent lower than the U.S. average, which is a somewhat significant decrease over last year’s costs (5.7 percent higher).

In fact, if you love to dine out, you’ll be happy to know that there are a lot of amazing restaurants that cater to people on a budget. Like Happy Gillis Café + Hangout, where you can get a delectable dish of biscuits and gravy for $5 or a salad for $4.50. Or, try their Roasted Heirloom Tomato Grilled Cheese, made with farm toast, cheddar, roasted heirloom tomatoes, parsley, garlic, scallions and greens — all for $9.

If you’re in the mood for some fine dining, international cuisine or other specialty eateries, you won’t be disappointed. Kansas City offers Italian, gourmet barbecue, classic fare (think 1950s cocktail party) and much more.

Buying food in Kansas City, MO

If you’re like most people, you’re re-thinking how to maximize your budget since so much is up in the air during the pandemic. Cooking most of your meals at home is one way you can cut food costs significantly.

Let’s take a steak dinner for example. In the U.S., a good steak dinner can cost between $28 and $119, depending on the cut of meat and the restaurant.

If you make a steak dinner for two at home, you can expect to pay:

  • Steak: $22.06 (for two steaks)
  • Potatoes: $2.43
  • Lettuce (for a salad): $1.46
  • Sweet peas: $0.98

Your total comes to $26.93. The U.S. average for the same meal (cooked at home) comes to $30.66. Not only will cooking at home save you a few bucks (compared to the national average), but you’ll still be able to enjoy an incredible meal without having to leave the comfort of your own home — or paying $119 for the same meal.

Utility costs in Kansas City, MO

Besides food, utility costs take up another large portion of your monthly budget and can increase the cost of living in Kansas City, MO. Depending on whether your landlord covers these costs or not, utility fees can even increase the average rent in Kansas City, MO.

Overall, utility costs here are 3.2 percent lower than the national average. The monthly median energy prices are around $157.44 in this city, whereas the U.S. average is $161.20. One reason for the lower costs is power usage, which might be lower in this city than others because the weather here isn’t quite as extreme in other parts of the country.

Other utility fees to add to your budget include cell phone service (between $10 and $90), water and sewage (average = $109.67 per month), internet (average = $60 per month) and cable ($25 to $65).

If you’re looking to save on utilities (and who isn’t), you might want to look for apartments in Kansas City, MO that offer eco-friendly amenities. The savings can add up over time.

Transportation costs in Kansas City, MO

The best way to get around Kansas City is in a car. The walkability and bike scores (48 and 43, respectively) are relatively low, mainly due to the lack of bike lanes. There are some walkable neighborhoods within the city — Old Westport, South Plaza and Downtown Loop — where you can get some exercise and do a few errands.

The public transit score is lacking as well (37), though there are some options like the Kansas City Regional Transit company (RideKC). The company has a Park and Ride option and multiple buses. Their Transit app helps with planning your ride as it provides real-time information. You can also pay for fares and passes via Freedom On-Demand.

Most residents own their own vehicle since doing so gives them the freedom to come and go according to their schedule, not that of a bus company.

Transportation costs in Kansas City, MO are 11.8 percent lower than the national average. Fuel prices are currently at $2.50 per gallon, compared to $2.76 nationally. The national average for maintenance like tire balancing is around $52.40. The cost in Kansas City is $44.60.

Other transportation costs that can increase the cost of living in Kansas City, MO include parking ($6 to $20 for 2 hours), vehicle registration fees and insurance.

Healthcare costs in Kansas City, MO

Kansas City healthcare costs are an average of 9 percent lower than the U.S. average. For example, a trip to your doctor for your annual check-up will cost around $86.34. Elsewhere in the U.S., the same appointment costs an average of $112.81, though some people pay upwards of $234.

Over-the-counter medications are around 7.08 percent less than the national average, while prescription costs are about the same as the U.S. average (only 0.035 percent difference).

It’s important to note that determining healthcare cost averages is often difficult. What you pay compared to your neighbors is going to vary, sometimes drastically so. The reason for this is not just the insurance company you choose or the plans they offer. Some people will have higher costs because they don’t have insurance. Others because they have chronic health conditions. Finding out how healthcare costs impact the cost of living in Kansas City, MO will take some sleuthing, but it will be worth it to see if living in this city is within budget.

Goods and services costs in Kansas City, MO

Miscellaneous goods and services are, on average, 7 percent cheaper than other cities in the U.S.

It can be hard to figure in all the costs that go into living your life in a big city, but you can get a somewhat accurate estimate by looking at the things you purchase with relative frequency. Things like:

  • Petcare (vet services, grooming, etc.)
  • Gym fees and exercise classes (or Peloton membership fees)
  • Plants, potting soil and anything else you need to create and develop an apartment patio garden
  • Monthly business expenses
  • Self-care sundries (toilet paper, shampoo, deodorant, facial masks)
  • Self-care services (mani, pedi, facial, massage)
  • Date night with your significant other

Let’s say you want to take your partner out to a movie. The tickets will cost around $21.42. The national average for a Saturday trip to the movies runs about $22.24 for a couple.

If you’re a fitness buff, the average gym membership in Kansas City is $45 per month. A yoga class will cost you around $15.60, which is $0.60 higher than the national average.

Though it’s not easy to try and calculate everything you spend your money on each month (or quarter or year), it’s important to get a general idea of how much you spend on miscellaneous goods and services. These fees can significantly increase the cost of living in Kansas City, MO, and might even make the average rent in Kansas City, MO out of reach.

Taxes in Kansas City, MO

Another factor to consider in determining the cost of living in Kansas City, MO is the tax rate in that city, as well as county and state taxes.

Kansas City has a 1 percent earnings tax rate. Everyone in the city who earns an income (even if they work outside the city) must pay this tax, which covers the city’s cost for:

  • Snow removal
  • Road repair
  • Trash collection
  • Police, firefighter, ambulance and paramedic services
  • Historic preservation
  • Code inspections

As a resident here, you’ll also pay 8.86 percent sales tax. The state sales tax in Missouri is 4.23 percent. City and county taxes make up the additional 4.63 percent. How does this translate to cash? Let’s say you find a must-buy item with a $1,000 price tag. In addition to paying $1,000, you’ll also pay $88.60 in sales tax.

Finally, if you decide to purchase a home in Kansas City, MO, you’ll have the added responsibility and expense of paying residential property taxes. The Jackson County tax rate is 1.35 percent. If you buy a $250,000 home, you’ll pay a little under $3,400 per year in property taxes.

How much do I need to earn to live in Kansas City, MO?

Whether you can afford the cost of living in Kansas City, MO depends on what you earn. On average, residents of Kansas City earn $54,194 annually. This is slightly higher than the national average of $51,916.

If you earn the average annual income, can you afford the average rent in Kansas City, MO? Rent in this city is approximately $1,540 per month or $18,480 per year. This is nearly $3,000 more than the oft-recommended 30 percent rental budget.

Though the price is higher, it doesn’t mean you can’t afford to live in Kansas City, MO. If you’re comfortable cutting costs in other areas (walking and biking as much as possible to save on fuel or eating out less frequently), you can afford the cost of rent in this city. Also, remember that there are several neighborhoods in Kansas City and suburbs around it that offer great rentals for lower prices.

If you’re curious whether you can afford to live in this city, be sure to check out our free rent calculator.

Understanding the cost of living in Kansas City, MO

There’s no flat rate when it comes to the cost of living in Kansas City, MO. As nice as that would be (talk about easy calculations!), we all have varying needs. And those needs result in different housing, food, tax and healthcare costs.

That said, for many people, the cost of living and the average rent in Kansas City, MO is quite affordable. Much more so than many large cities across the country.

If you’re one of those people who want to take the plunge and move to this fair city, make sure to check out our rental listings to find apartments for rent in Kansas City, MO that fit your budget.

Cost of living information comes from The Council for Community and Economic Research.
Rent prices are based on a rolling weighted average from Apartment Guide and Rent.‘s multifamily rental property inventory of two-bedroom apartments as of August 2021. Our team uses a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

Apache is functioning normally

Each calendar year brings a new set of changes to Medicare, from premiums and deductibles to rules and regulations. To get the most from Medicare in 2024, it’s helpful to understand what will be different.

Here’s a primer on 2024 Medicare changes:

Part A costs will mostly go up

Medicare Part A covers your hospital care as well as care in a skilled nursing facility (SNF). Most people get Part A for free, but for those who haven’t worked enough quarters to get free Part A, premiums will stay about the same. If you have to buy Medicare Part A, you’ll pay $278 or $505 per month in 2024, compared with $278 or $506 in 2023.

The inpatient hospital deductible, which you’ll pay before Medicare starts covering costs, will be $1,632 in 2024, up from $1,600 in 2023. (Note that certain Medigap plans do cover your Part A deductible.) You’ll pay the Part A deductible for each inpatient hospital or SNF benefit period — a new benefit period starts if you haven’t received inpatient hospital care or SNF care for 60 days in a row.

Medicare covers the first 60 days in a hospital or the first 20 days in a skilled nursing facility (once you hit the deductible). Copays for the rest of your stay are slightly higher in 2024, and are as follows:

  • $408 per day for days 61 to 90 in a hospital (up from $400 in 2023).

  • $816 per day for lifetime reserve days in a hospital (up from $800 in 2023). (These are any days over 90 days; you have 60 lifetime reserve days.) 

  • $204 per day for days 21 to 100 in a skilled nursing facility (up from $200 in 2023). 

Part B costs will go up

Medicare Part B covers your visits to medical providers, as well as things like ambulance services and durable medical equipment. Everyone pays a premium for Part B, even if you have a Medicare Advantage plan.

Premiums for Medicare Part B will be $174.70 per month in 2024, up from $164.90 in 2023. The Part B deductible will be $240 in 2024, up from $226 in 2023. You pay the Part B deductible just once per year.

Compare Medigap plans

Medicare Advantage plan ratings are lower — again

In 2024, the average star rating for Medicare Advantage plans, weighted by enrollment, is 4.04 stars, down from 4.14 stars in 2023. And about 42% of Medicare Advantage contracts received a rating of 4 stars or higher from the Centers for Medicare & Medicaid Services (CMS), compared with about 51% in 2023.

“CMS attributes the additional decline in star ratings to methodological changes, new measures factoring into the ratings, as well as the overall performance of plans,” Meredith Freed, a senior policy analyst with the Program on Medicare Policy for KFF, a health policy nonprofit, said through email.

That said, approximately 74% of Medicare Advantage enrollees will be in plans with 4 stars or higher in 2024, similar to 72% in 2023, according to CMS.

Part D catastrophic drug costs will be eliminated

Currently, once Medicare Part D enrollees reach the “catastrophic” level of prescription drug spending — which is $7,400 in 2023 — they pay up to 5% of the cost of their drugs for the remainder of the year. It doesn’t sound significant, but it can be expensive.

“If you have medication that costs $30,000 a month — retail price — 5 percent of $30,000 is $1,500 a month,” says Melinda Caughill, co-founder and CEO of 65 Inc., which offers Medicare guidance. And there are many medications that cost $30,000 a month, Caughill says. “That’s a big deal.”

Next year, once enrollees hit the 2024 catastrophic limit of $8,000 in drug spending, there’s no more coinsurance required. Your prescription drug expenses are essentially capped. (Drug spending includes what enrollees pay out of pocket, plus the discount you get from manufacturers on drugs when you’re in the “coverage gap” phase of drug coverage. So that $8,000 isn’t entirely out of your pocket.)

“This is a policy change that will greatly help those people with very high-cost prescription drugs,” Gretchen Jacobson, vice president of the Medicare program for The Commonwealth Fund, a private foundation with the mission of promoting a high-performing health care system, said through email. “An out-of-pocket limit can also provide peace of mind to people whose expenses are below the limit.”

More people will be eligible for Extra Help

Under the government’s Extra Help program, people with limited resources and income may be able to get cost help with prescription drug plan costs, such as premiums, deductibles and prescription copays.

In 2024, thanks to the Inflation Reduction Act, more people will be eligible for full benefits, saving nearly $300 more per year on average compared with savings for partial benefits. (Full Extra Help benefits are worth about $5,300 per year in 2023, according to the Social Security Administration.) Eligibility will be expanded to people with income and resources up to 150% of the federal poverty level, according to the Department of Health and Human Services.

Unfortunately “many Medicare beneficiaries are not aware of either the Extra Help program, which helps with Part D costs, nor the Medicare Savings Programs, which help with Part A and B costs,” Freed said. “So it is important for them to check their eligibility for these programs.”

Source: nerdwallet.com

Apache is functioning normally

Epilepsy can be a disability that qualifies for Social Security Disability Insurance (SSDI) benefits if there is medical documentation, proof of treatment and limited ability to do certain tasks. It may also qualify for work accommodations under the Americans with Disabilities Act (ADA).

How much are SSDI benefits for epilepsy?

There is no universal fixed dollar amount of SSDI benefits for epilepsy. SSDI benefits are based on, among other things, how much a person has contributed to Social Security from past earnings.

The average monthly Social Security Disability Insurance benefit was about $1,487 in September 2023, according to the Social Security Administration

. Disability benefits may be taxable.

What types of epilepsy qualify for disability?

In its listing of impairments (called “the Blue Book”), the Social Security Administration details how it evaluates epilepsy for disability benefits. There are two common types of epilepsy

.

  1. Generalized tonic-clonic seizures and dyscognitive seizures. These are characterized by loss of consciousness, sudden muscle tensing and convulsions. The SSA considers whether these occur at least once a month for at least three consecutive months despite treatment, or at least once every two months for at least four consecutive months despite treatment and with a “marked limitation” in either physical functioning; understanding, remembering, or applying information; interacting with others; concentrating, persisting, or maintaining pace; or adapting or managing oneself.

  2. Dyscognitive seizures. These are characterized by alteration of consciousness, but without convulsions or the loss of muscle control. Symptoms may include blank staring, change of facial expression and repetitive gestures or sounds. The SSA considers whether these seizures occur at least once a week for at least three consecutive months despite treatment, or at least once every two weeks for at least three consecutive months despite treatment and with a “marked limitation” in either physical functioning; understanding, remembering, or applying information; interacting with others; concentrating, persisting, or maintaining pace; or adapting or managing oneself.

Epileptic episodes characterized by less than what’s listed above could also qualify if the symptoms prevent full-time employment, according to Jennifer Cronenberg, who is senior counsel and director of legal information with the National Organization of Social Security Claimants’ Representatives (NOSSCR).

Work accommodations for epilepsy

The Americans with Disabilities Act considers epilepsy a disability, and it requires employers to provide reasonable accommodations to employees who have epilepsy

.

These workplace accommodations might include:

  • A rubber mat or carpet to cushion a fall.

  • A private area to rest after having a seizure.

  • Breaks to take medication.

  • Schedule adjustments, schedule consistency, permission to work at home or leave to take medicine or get treatment.

  • Room for a service animal trained to alert and protect the person before and during seizures.

  • Checklists to help with remembering tasks, or access to written information or instructions and voice-activated recorders for verbal instructions.

  • The removal of marginal job functions to allow for more focus.

  • Extended training time and refreshers.

  • A mentor for daily guidance.

Epileptic events can look different for different people. Individuals should feel comfortable working with their employers to come up with a plan of action in the case of an epileptic event. This could include educating co-workers about the signs of epilepsy and what to do if someone is having a seizure.

🤓Nerdy Tip

Note that the Social Security Administration and the Americans with Disabilities Act have different methods of determining disability. The Social Security Administration doesn’t automatically consider a person disabled if they are receiving work accommodations under the ADA.

How to apply for SSDI

The SSDI application process can be arduous. It helps to have all the information required. To start the process, you’ll need the following

:

  1. Your work history.

  2. A medical history, diagnosis information, test results and medication records.

  3. Information about your treatment (including physician, hospitals or clinics that provided care, plus the dates of your visits).

  4. Information about any family members who may qualify for benefits if you receive benefits.

Once you’ve filled out your initial application, your local SSA office will verify your nonmedical eligibility for disability (such as whether you’ve paid Social Security taxes). Then, it transfers the application to the Disability Determination Services office in your state, which makes the decision about whether you qualify for SSDI.

You may have to fill out additional forms regarding your work history and daily functioning. Be as accurate as you can when filling these out, says Amanda Bonnesen, managing partner at the Berger and Green law firm in Pittsburgh. They are the best way to communicate your symptoms and daily struggles.

There are four levels of appeal you might pursue if your application is denied

.

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How likely is it that the SSA will approve my SSDI application?

The SSA denies the majority of disability applications (62%)

. Because there is a human on the other end of the decision, it is often hard to predict whether approval is likely, Bonnesen says.

The best way to set your case up favorably is to follow the rules, Bonnesen says. That means remaining in medical treatment, sticking with recommended specialists, undergoing any necessary testing and taking all medications prescribed. Refrain from drug and alcohol use during this time, Bonnesen added.

Bonnesen also recommends keeping a daily symptom journal that you can submit to SSA. “It can just be something simple where the person writes down things like ‘had a seizure today — lasted five minutes, did not lose consciousness, but had to sleep for two hours afterward,’” she said. “Simple stuff like that, recorded in real-time, can be helpful for the decision-makers at SSA to see.”

The process for an SSDI application can last up to three years, Bonnesen said. “If a person is diagnosed with epilepsy but has been episode-free for a prolonged period, they are not likely to be found disabled, because the diagnosis is not causing any day-to-day disruption in functioning,” she said.

Source: nerdwallet.com

Apache is functioning normally

Apache is functioning normally

Inside: Are you looking for ways to make money while you’re still in college? This guide has a variety of ideas for side hustles for college students that can help you get started. From online businesses to odd jobs, there’s something for everyone.

Are you a college student searching for ways to increase your income and improve your financial situation while balancing your academic commitments? We’ve got your back!

In this student-friendly guide, we’ll share side hustles for college students, giving you many opportunities to earn extra cash. 

You can even learn to get paid to go to school!

Whether you’re tech-savvy, creative, or inclined towards offline work, you’ll find something that suits your preferences.

Let’s jump in and explore how you can transform your free time into a valuable money-making asset!

What is a Side Hustle?

Simply put, a side hustle is like having a little extra adventure on the side while you’re busy with your main gig, which in this case might be college classes.

It’s your chance to boost your finances and gather valuable experience that could pave the way for future career opportunities. It’s like adding a dash of extra flavor to your college life along with extra cash!

What side hustles can I do as a college student?

As a college student, you possess a unique set of skills and resources that can be leveraged to generate income.

Whether you aspire to know how to make quick money in one day or debate what should I do for a living, opportunities await you.

Stay tuned for the second part of this article, where we’ll explore a treasure trove of side hustles perfectly tailored for college students.

What can I do to make extra money as a college student?

As a college student, there are various ways to earn extra money.

Most importantly, you need to find something that works well into your college schedule.

That is why many college students prefer to learn how to make money online for beginners. That gives them the chance to make money on their time from their campus or anywhere else they choose to move.

Now, let’s move on to the best online and offline side hustles for college students that may be of interest to you.

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Best Online Side Hustles for College Students

As the digital era continues to expand, opportunities for online side hustles are becoming more prevalent.

These side gigs leverage the power of the internet allowing flexibility, diversity, and potential profitability without sacrificing full-time commitments.

From millennials to retirees, are venturing into online side hustles to supplement their income, make use of their skills, or explore new career paths.

1. Write Articles for Websites

If you have a flair for writing, you can explore freelance opportunities as a content writer for websites and blogs. Numerous online platforms offer paid writing gigs.

Create a portfolio of your writing samples, sign up on freelancing websites like Upwork or Fiverr, and start bidding on writing projects.

Learn how to Earn Money Writing.

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You can make money as a freelance writer. 

Learn techniques to find those jobs and earn the kind of money you deserve!

Plus get tips to land your first freelance writing gig!

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2. Build Websites

If you’re tech-savvy and have web design skills, offer website design services to individuals or small businesses looking to establish an online presence.

Showcase your web design work through a portfolio website, network with potential clients, and consider joining platforms like WordPress or Wix for easy website creation. Just make sure to use Kadence WP for themes!

This is a great gig for college students because you can take on more clients during your school breaks and none during finals week.

3. Starting an Etsy Business Selling Printables

Creating printables on Etsy is a popular and potentially profitable endeavor. It involves designing digital products that users can download and print at home.

Find the most popular digital products to sell on Etsy.

Beyond imagination and design skills, it is essential to learn how to optimize product descriptions and pricing, for which you can turn to comprehensive online courses. By following this how to sell printables course, you can equip yourself with the right tools to excel in this Etsy niche.

4. Create Videos

As a college student, there are two possible avenues for this side gig.

You can start a YouTube channel or offer video creation/editing services.

If you choose to venture into your own YouTube challenge, then you are able to monetize your videos through ads and sponsorships. Most importantly, you need to choose a niche for your YouTube channel, then create engaging content, and build a loyal audience.

Don’t want to be in the limelight? You can also offer video editing services on freelancing platforms.

5. Start a Blog

Share your knowledge or passion through a blog and monetize it through affiliate marketing, sponsored posts, and ads.

Pick a niche you’re passionate about, set up a blog using platforms like WordPress and Kadence theme, and consistently publish high-quality content.

This is not for the faint of heart, but college students traditionally have better success because of promotion through social media and engaging with readers.

6. Start an E-commerce Business

Launch your online store selling products you’re passionate about. Platforms like Shopify make it easy.

Source or create your products, set up an e-commerce website, and market your products through social media, email marketing, and search engine optimization.

One of the main benefits is an e-commerce business with low start-up costs, low ongoing maintenance, and the ability to remain open and generate sales 24/7.

7. Become a Freelancer

Explore freelance platforms for various opportunities like graphic design, programming, or digital marketing.

As a freelancer, you can work remotely and at your own pace. Create a compelling freelancer profile, showcase your skills, and bid on projects that match your expertise on platforms like Upwork, Freelancer, or Guru.

This is a great way to start building your portfolio of experience.

8. Write Your Classmates’ Cover Letters and Resumés

Engaging in the preparation of your classmates’ cover letters and resumes can be a rewarding side hustle.

Many employers today express concern about the lack of well-written cover letters and resume submissions they receive. By capitalizing on your writing skills, you can provide a much-needed service for your peers while earning some income.

Hence, build your proficiency with practice resumes, then decide on your charge per each document created.

9. Sell Stock Photos

If you have photography skills, sell your photos on stock photography websites like Shutterstock.

This is a perfect side hustle for young adults because you are constantly capturing the moments.

To get started, create an account on stock photography platforms, upload high-quality images, add relevant keywords, and start earning royalties when your photos are downloaded.

10. Write eBooks

Capitalize on your expertise in a specific subject and create eBooks to sell on platforms like Amazon Kindle Direct Publishing. Design an eye-catching cover and promote your eBook through social media and book-related forums.

This is the first step to passive income before you even graduate!

11. Proofreading

Proofreading can be a fruitful side hustle for students looking to earn extra money.

By leveraging your writing skills, you can charge a fee to proofread and edit classmates’ assignments, theses, or essays. Also, many small businesses are always looking for help!

With platforms like Fiverr or college bulletin boards, you can advertise your services and set your own rates, potentially making $25–$45/hour according to proofreading expert Caitlyn Pyle.

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A booming legal industry means that transcript proofreaders are in higher demand than ever…

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12. Start a Podcast

Starting a podcast can be an excellent revenue stream, given the significant increase in podcast listenership, with 82 million Americans being weekly podcast listeners according to a 2021 study.1

Your revenue can come from sponsorships, donations, and offering premium content or services. It’s essential to plan your podcast content aligning with your targeted audience and consistently producing high-quality episodes to grow and maintain your listener base.

13. Work as a Virtual Assistant

If you’re looking to start as a virtual assistant without prior experience, don’t worry!

Many businesses look for virtual assistants for tasks like email management, data entry, or social media management. Find out exactly what is needed with this virtual assistant checklist.

Plus working as a virtual assistant offers the flexibility to work remotely, which is a benefit for a college student.

Learn how to jumpstart your side hustle with this free Virtual Savvy training.

Virtual Savvy

If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!

This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own businesses from scratch. 

Swipe our exact methods to start earning a living from anywhere as a VA – no experience needed!

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Best Offline Side Hustles for College Students

In this section, we delve into the world of in-person side hustles.

Ideal for those preferring tangible interactions and a more predictable income, these opportunities demand physical presence and often offer good remuneration for physical labor.

However, they come with their own set of challenges like fixed service hours and potential clashes with a busy schedule.

1. House Sitting

House sitting is an excellent side hustle for college students.

You can offer your house-sitting services to neighbors or anyone going on vacation. It’s all about providing peace of mind to homeowners by ensuring their property is secure and well-maintained.

Build trust in your community by offering reliable house-sitting services, and word-of-mouth recommendations will follow. Consider promoting your services through Trusted Housesitter.

2. Food Delivery Driver

This is an extremely easy way to make money.

Sign up as a food delivery driver for platforms like UberEats or DoorDash. After registering as a driver and meeting the platform’s requirements, you can start delivering food orders in your area.

This side hustle allows you to set your hours and earn extra cash while enjoying the freedom of the open road.

3. Offer Lawn and Gardening Services

For those with a green thumb or a passion for outdoor work, offering lawn and gardening services can be a lucrative side hustle.

All by helping homeowners in your area with lawn care and gardening tasks. Investing in basic gardening tools is essential, and you can advertise your services through flyers, local online groups, or by simply offering your services to friends and family.

In fact, this may turn into your full-time business like this high school student.2

4. Shovel Snow During the Winter

If you live in an area with snowy winters, don’t miss the opportunity to capitalize on it. Offer snow shoveling services to residents in your community.

Promote your snow shoveling services well in advance of the winter season to secure clients.

On a snowy day, you can easily make 200 dollars fast. Just by being prepared to respond promptly to snowfall, and ensuring that driveways and walkways are safe and clear.

5. Become a Tutor

Sharing your knowledge by becoming a tutor is not only a valuable service but also a great way to earn extra income.

You can tutor fellow students in subjects you excel in or offer your expertise to local school kids. You can also tutor your classmates who are struggling in class.

Advertise your tutoring services through college bulletin boards, social media, or tutoring websites.

6. Clean Houses and/or Offices

Cleaning services are in demand, and you can provide them to individuals or businesses in your area.

Invest in basic cleaning supplies and equipment, set competitive rates, and market your services through local ads, referrals, and social media.

A reputation for thorough and reliable cleaning can quickly build your clientele.

7. Edit Your Classmates’ Papers — For a Fee, Of Course

If you have strong writing and editing skills, consider offering your editing services to your fellow students.

Many students appreciate having their papers reviewed and improved by a peer.

Promote your editing services within your college network, showcase your skills, and offer reasonable pricing to attract clients. This can quickly spiral to making 300 dollars fast.

8. Become a Handyman or Handywoman

If you’re skilled in fixing household issues or performing basic maintenance tasks, this side hustle can be highly profitable.

Acquire a basic toolkit, and offer your handyman services locally. From minor repairs to assembling furniture, providing reliable and affordable solutions can earn you a good reputation and repeat business.

You can quickly get started on TaskRabbit today.

TaskRabbit

Find local jobs that fit your skills and schedule.

With TaskRabbit, you have the freedom and support to be your own boss.

Plus set your own rates!

Get Started

9. Translator

This is a highly needed service! If you’re proficient in multiple languages, offering translation services can be a rewarding side hustle.

Create a portfolio that showcases your language proficiency and advertise your skills to businesses or individuals who require translation services.

Your ability to bridge language barriers can be a valuable asset to various clients.

10. Deliver Anything Else Someone Might Need

If you’re the proud owner of a vehicle or even a trusty bicycle, you can tap into the world of delivery services. While food delivery is a popular option, you can expand your offerings to deliver a wide range of items. 

Consider offering delivery services for groceries, prescription medications, packages, and even care packages for college students.

People are always willing to pay for help.

11. Drive for Uber or Lyft

Becoming a rideshare driver with companies like Uber or Lyft is a popular side hustle that offers flexibility. Sign up as a driver, meet the platform’s requirements, and start offering rides to passengers.

The benefit is you can choose your working hours, making it convenient to fit around your class schedule.

12. Hauling Junk

Help people declutter their homes by offering junk hauling services. You’ll need access to a pickup truck or a vehicle with ample cargo space.

Advertise your services, establish rates based on the volume of items to be hauled, and provide efficient and responsible junk removal.

Seriously, I see three or more posts in my neighborhood with people asking for help to move their junk!

13. Turning Your Car into a Moving Advertisement

Ever wondered if you could make money while driving around town? Well, here’s an interesting side hustle idea – turning your car into a moving advertisement.

Some companies are willing to pay you to wrap your car with their branding, turning it into a rolling billboard.

As you cruise through town, you’ll not only earn money but also become a conversation starter. It’s a unique way to earn extra income while sparking interesting discussions about the products or services you’re promoting.

14. Offer Moving Services

Assisting with local moves can be physically demanding but financially rewarding. Advertise your moving services locally, and consider forming a team if necessary.

Ensure you have the necessary equipment, such as dollies and moving blankets, to facilitate the moving process. By providing a smooth and efficient moving experience can lead to positive reviews and referrals.

15. Entertaining Kids at Birthday Parties

Entertaining children at birthday parties is a profitable side hustle for college students, especially those who have a knack for acting or enjoy engaging with children.

This venture could earn you between $50 and $100 per hour.

Develop a repertoire of entertaining acts, start promoting your services through local event planners and social media, and offer packages for different party sizes.

16. Teach Music or Sports Lessons

Share your musical or athletic skills by offering lessons to aspiring learners.

Whether you’re skilled in playing an instrument, coaching a sport, or giving dance lessons, there’s likely a demand in your community. Advertise your lessons through flyers, social media, or local community centers.

Make sure you have the necessary equipment and expertise to provide quality instruction. This is what I did in high school and college.

17. Proctor Tests

If your college conducts exams, there may be opportunities for students to work as test proctors for a fee. Inquire about proctoring opportunities at your college’s testing center or academic department.

This can be a convenient way to earn extra income without straying far from your campus.

18. Become a Legal Street Performer

If you have a talent for street performing (e.g., playing music or juggling), consider performing in public spaces for tips.

Choose a suitable location, prepare your act, and follow local regulations for street performances.

Could you make $1000 in a day?

19. Be a Lifeguard

Lifeguarding is a responsible job that requires attentiveness and quick response in case of emergencies. If you’re a strong swimmer with the necessary certifications, consider working as a lifeguard at local pools or aquatic centers.

Unfortunately, this is a high-stress and low-paying job. So, you are better off considering one of these low stress jobs that pay well.

20. Offer a Painting Service

Offering painting services can be a rewarding side hustle, especially for those who find the task peaceful and enjoy bringing a fresh new look to rooms or entire homes.

Most homeowners dread the prospect of painting their own homes and are often willing to hire a handyman to do the job. You can easily make 500 dollars fast.

With minimal initial investment in quality brushes and rollers, you can unleash your creativity and transform spaces with color and design, choosing your own hours and clients in the process.

21. Sign Up as a Substitute Teacher

Working as a substitute teacher is an excellent opportunity for individuals who do not necessarily have a teaching certificate but possess a high school diploma and a clean background check.

My husband, having served as a substitute teacher, found the experience to be rewarding when he was in college.

Not only did it pay well, averaging about $131 per day, but it also allowed him the chance to engage in student activities and provide value to the local school district.

22. Babysitting

Babysitting is a viable side gig, particularly suitable for early childhood education degree seekers, offering flexibility and a rewarding experience while caring for others’ children.

It involves variable commitments mostly during evenings, weekends, and some weekdays, with an average earning potential of $17 per hour.

Securing babysitting roles can be accomplished through personal connections, local community outlets, and digital platforms like Care.com and Sittercity.

Why is college the best time to start a side hustle?

Before we bid adieu for now, let’s ponder why college is the perfect breeding ground for side hustles:

  • Flexibility: College schedules often come with pockets of free time, making it easier to juggle academic responsibilities and a side gig.
  • Learning and Growth: Side hustles offer valuable lessons in time management, financial literacy, and entrepreneurship that complement your academic knowledge.
  • Networking: Your college is a hub of potential clients, collaborators, and mentors, providing a fertile ground for your side hustle to thrive.
  • Financial Independence: Earning your own money allows you to alleviate the burden of student loans and gain financial independence.

Employing multiple streams of income is the savviest thing you could do for your finances and your long-term wealth.

Tips to be Successful with Your Side Jobs for Students

One of the best things about side hustles, is you are able to get real-life experiences and knowledge. This side hustle may or may not become your full-time job, but the skills are transferable.

The goal is to find success, so let’s explore some essential tips to succeed in your side hustles as a college student:

  • Time Management: Prioritize your college commitments and allocate dedicated time for your side hustle.
  • Skill Utilization: Leverage your skills, whether it’s writing, design, or a particular subject you excel in.
  • Online Presence: Create a portfolio or profile to showcase your skills and attract potential clients or customers.
  • Networking: Connect with fellow students, professors, and professionals who might offer opportunities or guidance.

Also, don’t give up if your first side justle doesn’t work out the way you hoped. Keep going until you find something you love to do!

Are You Ready To Start Hustling?

As you set off on your side hustle journey, keep in mind that consistency, dedication, and adaptability will be your trusted companions.

Whether you choose to dive into online opportunities, embrace offline endeavors, or strike a balance between the two, every experience will play a part in your personal and entrepreneurial growth.

If you are going to be in various locations during your college years, it is best to look for remote jobs for college students.

Your path towards financial empowerment is only just beginning, and we’re thrilled to be with you every step of the journey. 

Between each college exam and class, you can make money to pay for your schooling. I think that is a win-win to pay for college without loans.

Start your side hustle today and get on the path to financial freedom with Money Bliss.

Source

  1. Statistica. “U.S. Podcasting Industry – statistics & facts.” https://www.statista.com/topics/3170/podcasting/#topicOverview. Accessed on October 4, 2023.SSt
  2. 10 News. “A CEO at 17: How this Colorado teen transformed his side hustle into a legitimate business.” https://www.10news.com/news/green-worx-landscaping-golden-colorado. Accessed on October 4, 2023.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

Apache is functioning normally

Apache is functioning normally

Depending on the severity of your symptoms, the Social Security Administration (SSA) may consider asthma a disability. This means you might qualify for Social Security Disability Insurance (SSDI). You might also qualify for work accommodations under the Americans with Disabilities Act (ADA).

How much are SSDI benefits for asthma?

The average monthly SSDI benefit for disabled workers was $1,486.83 as of August 2023

.

To determine a person’s monthly SSDI benefits, the Social Security Administration uses a fairly complicated calculation based on the person’s past earnings.

SSDI applicants also usually need 40 work credits (20 of which must have been earned in the 10 years before the disability began) to qualify for benefits. The amount needed to earn a work credit changes every year. In 2023, workers earn one credit for each $1,640 in wages or self-employment income

.

What types of asthma qualify for disability?

Because asthma can have several symptoms, “when evaluating asthma, SSA does categorize the disability with a broad use of the word,” says Amanda Bonnesen, managing partner at Berger and Green law firm in Pittsburgh.

“Being diagnosed with asthma does not automatically render an individual disabled,” Bonnesen says. “The condition must impair their ability to work and function, despite all medical options and care.”

The SSA Blue Book provides general terms for what’s covered, but separate medical diagnoses you might see in your medical records that could be covered include allergic asthma, Aspirin-exacerbated respiratory disease (AERD), cough-variant asthma, exercise-induced asthma, nighttime asthma, steroid-resistant asthma and occupational asthma, Bonnesen says.

Jennifer Cronenberg, who is senior counsel and director of legal information with the National Organization of Social Security Claimants’ Representatives, says the SSA will likely consider any form of asthma that prevents an individual from full-time work.

“Some considerations that might come into play are [when asthma causes] time off task, absences, unscheduled breaks, intolerance to dust, fumes and odors and limited stamina,” she says. “While one limitation might not knock out all work, a combination of limitations might leave a person with such limited residual functional capacity that they are unable to perform any competitive, substantially gainful full-time work activity.”

How to apply for SSDI

You’ll need several things on hand when filling out your SSDI application, including:

  1. Your work history, including employer names, dates of employment, a list of previous jobs and information about workers compensation benefits you’ve received.

  2. Medical records, lab and test results and information about your medications.

  3. Contact information for your doctors, care providers and their offices, as well as the dates of your visits.

  4. Information about family members who might qualify for benefits.

The SSA first determines if the application meets some basic requirements for benefits. Then it forwards the case to the Disability Determinations Services office in the applicant’s state. At that point, an adjuster and state physicians make the decision to approve the application.

During that time, you’ll be asked to fill out additional forms regarding your work history and daily functioning. “These forms are imperative, as it is your way to communicate with your adjudicator about your symptoms and daily struggles,” Bonnesen says. You may even be required to undergo an independent medical evaluation.

You can appeal if the SSA denies your application. When that occurs, “the case is transferred to a different adjudicator, and a new and independent decision is made on the previous medical evidence and any new medical evidence provided,” Bonnesen says.

If the SSA denies your appeal, you can hire an attorney and ask for a hearing before an administrative law judge. If you disagree with the judge’s decision, you can request a review from the Social Security Appeals Council. The final option is federal court

.

Work accommodations for asthma

People with respiratory impairments can consult the Job Accommodation Network, which is a service of the U.S. Department of Labor’s Office of Disability Employment Policy, for examples of workplace accommodations under the Americans with Disabilities Act. Examples include:

  • Providing air conditioning, heat and dehumidification as needed, as well as a smoke- and fragrance-free environment.

  • Additional rest breaks for fresh air or to take medications as necessary.

  • Alternative work arrangements during certain periods, such as when construction is taking place in the office and it’s causing breathing issues.

  • Removing the need to use stairs or walk long distances to get to your desk

    .

How likely is it that the SSA will approve my SSDI application?

“The SSDI process can last up to three years before a favorable decision is made,” Bonnesen says. “It’s impossible to provide a likelihood of approval rate, since humans are on the other side of the decision.”

Statistics show, though, that the SSA denies the majority of disability claims it receives

. To set up your case with the best odds, Bonnesen recommends two things.

  1. Maintain care. Refraining from all drug, alcohol and cigarette use during the process and remaining in medical treatment can help, Bonnesen says. For example, establishing care with specialists such as pulmonologists and allergists, undergoing all necessary testing and remaining compliant with all prescribed medications can help improve your odds.

  2. Track your condition. Cronenberg recommends keeping a symptom journal that details things such as how often you use rescue inhalers, how often you have to take breaks after performing simple household tasks, how long those breaks last and if you have to take additional breathing treatments.

Source: nerdwallet.com

Apache is functioning normally

Apache is functioning normally

Only 3 in 10 Medicare beneficiaries shop around during open enrollment, according to a 2022 analysis from KFF, a health policy nonprofit — and only 1 in 10 Medicare Advantage enrollees voluntarily switch plans. But a 2020 analysis of Medicare Advantage plan choices by the National Bureau of Economic Research found that more than half of beneficiaries overspent by more than $1,000 due to the plan they selected.

Medicare open enrollment is Oct. 15 to Dec. 7, giving people with Medicare a chance to change plans for the upcoming year. Although potential Medicare Advantage enrollees may be swayed by $0 premiums and extra perks like vision and dental coverage, there are more important features to explore when you’re choosing next year’s coverage.

Here are some practices to avoid as you shop for Medicare Advantage this fall.

1. Thinking Medicare Advantage is Medicare

If you’re considering Medicare Advantage, understand that it’s not the same thing as government-provided Medicare. It offers the same benefits, but Medicare Advantage is run by private health insurance companies and it operates differently.

“You are essentially taking the Medicare coverage that you’ve been provided by the government and turning that in,” says Melinda Caughill, co-founder and CEO of 65 Incorporated, which offers Medicare guidance.

You can switch back to Original Medicare during each year’s open enrollment period, but you may not be able to qualify for an affordable Medicare Supplement Insurance, or Medigap, plan once you’re past the one-time Medigap open enrollment period. (Medigap helps with certain out-of-pocket costs not covered by Original Medicare.)

2. Assuming your doctors are in network

Medicare Advantage plans operate within networks of medical providers, and you usually must see in-network doctors for covered care.

“A lot of people don’t realize that — especially those $0-premium plans — they tend to have fairly confined networks,” says Emily Gang, CEO of the Medicare Coach, a site that provides Medicare guidance. “You want to double-check that your doctor is actually an approved provider in that network.”

Ask your providers what insurance they’ll be accepting in 2024, suggests Sarah Murdoch, director of client services for the Medicare Rights Center, a nonprofit consumer advocacy organization. It’s easier than trying to check each plan’s network individually.

3. Not checking your drug coverage

Like network providers, Medicare Part D prescription drug coverage can also change each year. Your drug plan might cover one of your medications differently in 2024, leaving you with more out-of-pocket costs than you expected.

“If you take even one brand name medication, your need to compare plans is incredibly high,” Caughill says. No brand names on your list? Shop around if you take five or more medications in general.

4. Buying for the dental benefits

Medicare Advantage plans usually include benefits that aren’t part of Original Medicare, such as dental, vision or hearing coverage. These extras may be appealing, but don’t let them steer your plan choice.

“First of all, it’s health insurance — so how is it going to cover your health care providers and your medications?” says Katy Votava, who holds a doctorate in health economics and nursing and is president and founder of Goodcare, a consulting firm focused on the economics of Medicare. “If you pick [your plan] for a benefit that isn’t health insurance, you’re often picking wrong. And the dental benefit is pretty limited in all these plans — it’s a couple of cleanings and some bite wings.”

5. Looking at the premium only

The majority of Medicare Advantage enrollees are in plans with no premium, meaning you pay nothing each month for the plan. “People see that $0 premium and they’re like, ‘Oh, it’s free,’” Gang says. “And it’s not.”

Research the rest of the plan’s costs before you sign up, including deductibles, copays, coinsurance and the out-of-pocket maximum, which is the most you might have to spend on covered care in a year. In 2023, the out-of-pocket max can be as high as $8,300 for in-network care.

6. Buying because your friend has it

People eligible for Medicare are bombarded by information during open enrollment, and it can be overwhelming. “They don’t shop,” Votava says. “They go with name recognition or what their friend has.”

The better choice: Focus on your own situation and find the plan that meets your needs.

If you need help, contact your State Health Insurance Assistance Program, or SHIP, for free Medicare guidance. Just don’t wait until the last minute, because appointments fill up, Votava says. “If you need individual help, you’d better get on the list.”

This article was written by NerdWallet and was originally published by The Associated Press. 

Source: nerdwallet.com

Apache is functioning normally

Apache is functioning normally

Inside: Looking for the best travel essentials? Look no further! This guide has everything you need to pack for a trip.

There’s no feeling quite like the thrill of embarking on a new adventure, and with these top-notch travel essentials, your journey is set to be an absolute blast!

These travel essentials play a crucial role in not just enhancing your travel experience but also in keeping your trip organized, efficient, and absolutely “funner”!

Prepare to soar into hassle-free travel filled with joy, convenience, and unforgettable moments.

Many of my readers diligently save for their vacation and sometimes forget the small details like – travel essentials.

Traveling can transform from a stressful ordeal into an exciting escapade when armed with these must-haves that smart travelers swear by.

So, buckle up for an exhilarating journey ahead, knowing you’re perfectly prepared to take on the world. Let the adventures begin!

What are Travel Essentials?

Getting back to travel? Isn’t it just lovely!

Well, travel essentials are your new best friend! Waves of seasoned globetrotters have prepared this special guide for your benefit.

These items qualify as essentials because they streamline the packing process, afford comfort while traveling, and add a dash of fun to your adventures.

Also, there are so many cool gadgets available now that make traveling seamless.

What things are essential for Travelling?

Before you head off on the trip of your dreams, pack the right travel essentials to maximize your fun!

  • Meds: Don’t forget your prescriptions and common medicines for allergies or pain. Remember, health first!
  • Travel Insurance: Give yourself peace of mind by buying travel insurance – especially if you are traveling internationally.
  • Travel Credit Card: Credit cards are a simple way to pay when traveling. Make sure you have no foreign transaction fees!
  • Document Copies: Keep digital copies of essential documents to minimize panic and ensure quick verification in case of loss. And share this with someone in case you lose your phone!

Joyous journeys come from well-prepared travelers!

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

What are 3 items to take on vacation?

Embrace the exhilarating aura of preparing for your much-awaited vacation!

Tuning into your needs and wants as a traveler, three crucial items stand out as top priority:

  • Anti-Theft Bag: This is an ideal travel companion – it comes with built-in security features that keep your belongings secure, reducing the risk of theft during your travels. With advancements in fashion, you can now find stylish options with exceptional functionality, making them perfect for vacations where style and security are priorities.
  • eReader: like the Kindle Paperwhite, makes the perfect vacation companion as it combines the portability and weightlessness of a single book while providing the capacity to store thousands of novels for entertainment. Moreover, its adjustable light settings and long battery life facilitate reading during transit, whether it’s mid-flight or at night, without disturbing others – a luxury traditional books can’t offer.
  • Tech Organizer Case: ensures all essential tech accessories like cables, adapters, and devices are neatly organized and easily accessible. This not only eliminates the hassle of rummaging through your bag for a tangled cord but also helps to maximize the efficient use of space within the bag.

Remember, the key is to pack smart and embrace savvy travel essentials that optimize comfort and convenience!

Best Travel Essentials Everyone Wants

Planning for a trip often entails the excitement-charged task of selecting the right essentials to pack.

This section highlights the best travel essentials that everyone craves, from the appropriate attire to tech gadgets, that go a long way in enhancing convenience during your journey.

These items, carefully curated by experienced travelers, promise to make every trip, whether short or long, a hassle-free experience.

1. Apple AirTags

Get ready for your next adventure with a travel essential that’s as smart as it is useful – the Apple AirTag.

This tiny gadget can make your trips stress-free by preventing the harrowing instances of lost luggage.

As a modern-day traveler, you’ll love the security it brings to your journeys. Simply sync the AirTag with your ‘Find My map’ and place it in your luggage to keep track of your belongings from point A to point B.

Lost luggage is increasingly common, but with an Apple AirTag, you’re covered.

Don’t forget these handy AirTag holders!

2. Travel Backpack

A travel backpack is your next must-have travel essential!

It’s an easy and convenient way to keep all your essentials – think wallet, phone, keys, passport – in one place, and with some even featuring a built-in USB port, you’ll never run out of battery on the move.

Its versatility and functionality, such as several compartments for organization and a separate section for shoes, are just unbeatable. Seriously, these travel backpacks are way cooler than your backpack from high school!

3. Luggage Scale

Traveling soon? Don’t even think about neglecting the trusty luggage scale!

This small but mighty tool, loved by frequent travelers like us, is your ticket to a stress-free journey.

With this compact gadget, say goodbye to dreaded overweight baggage fees.

Pack it in your carry-on for on-the-go convenience and weigh it with precision every time. One of my best gifts ever!

4. Anti-Theft Bag

An Anti-Theft Bag offers peace of mind when traveling, with built-in safety features deterring theft. These bags aren’t just secure but also fashionable, which is perfect!

The locking zippers act as a deterrent against potential theft as they add an additional barrier of protection.

Moreover, the incorporation of RFID blocking technology in these bags ensures your valuable information stays protected. This technology prevents identity theft by safeguarding any object with an RFID chip, such as passports issued after 2006 and credit/debit cards, from being read through your bag.

While traditionally, anti-theft bags have been seen as lacking in style, new versions of these bags are coming up in several fashionable options. As stated, they are now available in various colors like navy, charcoal, merlot, and blush apart from the usual black.

5. Underwater Action Camera

As a travel essentials superstar, the Underwater Action Camera ensures you never miss capturing a thrilling aquatic adventure. Turning ordinary snapshots into extraordinary keepsakes, this camera becomes a must-have for wanderlust souls.

  • Remarkably sealed, this camera captures stunning photos even from underwater.
  • Perfect for beachy holidays, and even more beneficial for snorkelers and swimmers.
  • Get for a tech-free vacation!

Pro tip: Master using this camera during daylight for better results.

6. Bluetooth Earbud Transmitter – Perfect to Use Your Airpods Pro

Head off on your next adventure armed with the Twelve South Bluetooth Audio Transmitter. This coveted travel essential turns your flight into a personal cinema!

Its superb features include high-quality sound transmission, pairing capabilities with airplane TVs, and functioning as a headphone splitter.

Ideal for tech-savvy travelers and those who love using their own headphones.

7. External Portable Charger

Don’t forget your portable charger – it’s a true travel hero! Imagine never running out of battery while navigating unfamiliar territories or capturing memorable moments.

This external power bank ensures your devices always stay juiced up.

  • Lightweight and compact size
  • Fast-charging capability
  • Can charge multiple devices at once.

Expert tip: Choose a charger that can power your device type at least 4x from zero battery.

8. Lightweight Luggage

Investing in lightweight luggage helps travelers avoid excessive baggage fees.

This is what we did over ten years ago and I can truly say we have saved thousands of dollars.

Look for luggage that weighs less than ten pounds. With most airlines capping luggage weight between 40-50 pounds that gives you 30-40 pounds of your stuff that you can pack.

While it is an upfront investment in new luggage, you will significantly reduce the risk of incurring additional fees.

9. Travel Wallet

This is something I picked up right before my last flight (teal of course)! I loved it because it was lightweight and compact size for easy carrying. Even in my yoga pant pocket!

  • Heald exactly what I needed with organized compartments for ID, cash, and credit cards
  • Sleek design that suits any style
  • RFID protection to keep your information safe

Travel wallets are perfect for minimalist travelers who love simplicity and security.

Learn how much cash can you fly with. It is more than your travel wallet!

10. Passport Holder

A passport holder: the travel essential you never knew you needed.

It’s the perfect companion for safeguarding your most priceless travel accessory – your passport.

  • Super convenient, passport holders come equipped with slots for important IDs, boarding passes, and even stashed currency.
  • The RFiD-blocking feature ensures your personal details remain secure from potential scams.

If you are traveling internationally, then this is something you want to seriously consider.

11. Tech Organizer Case

It’s a must-have to neatly stash all your tech essentials. Never be frazzled by tangled cords or lost chargers again.

The Tech Organizer Case, like the top pick FYY Electronic Organizer, is your ultimate travel buddy ensuring a clutter-free trip.

Ample space for multiple chargers, durable, and easy-to-use zippered compartments.

Be the organized traveler everyone envies!

12. Portable Door Lock

You mustn’t miss out on the Portable Door Lock when packing your travel essentials! This compact lock adds top-notch security and peace of mind to your trips.

Portable door locks are hot on the list of travel essentials because of their simplicity – easy to use, install, and pack in your luggage.

Best for solo travelers and Airbnb guests, this device prevents unexpected entrance even with a key.

Pro tip: Always test the lock right after installation for foolproof safety.

13. Carry-On Rolling Luggage

With precise packing, it is feasible to fit everything you need into this one carry-on, thereby ensuring a seamless travel experience.

Picking the best carry-on rolling luggage for your needs requires careful consideration. Rolling luggage with 4-wheels can be ideal as it takes the weight off your wrist and can be rolled effortlessly by your side.

  • Spacious enough to accommodate all your travel essentials like laptop, shoes, etc.
  • Opt for brands that offer a good warranty to ensure the durability of your luggage.
  • If your travel involves different types of terrain or switching from airports to cobblestones, you might want to consider a wheeled backpack which can be rolled or carried as needed. Lastly, always ensure that your chosen luggage is lightweight, versatile, and

These suitcases not only provide convenience due to their mobility but also allow the freedom to avoid checked luggage.

14. Toiletry Bag

Toiletry bags have become an essential part of smart packing for travel.

Hanging toiletry bags, like the Bagsmart option, represent a game changer, contributing significantly to an organized, convenient, and hassle-free travel experience.

Pick one that has the ability to accommodate a week’s worth of travel-size toiletries.

15. Travel Duffel Bag

Whether it’s a long adventure or a weekend getaway, a travel duffel bag is incredibly useful.

It holds your essentials—clothes, tech gadgets, toiletry bag, keys, phone—safely and conveniently.

Remember the thrill of keeping all your belongings organized? You get that with the multiple compartments.

Also, let’s not forget about that separate section for shoe storage—talk about clutch!

Best feature? Some come with a built-in USB port to ensure your devices are always charged.

Expert tip: Look for a bag that’s airline-compliant, lightweight, and durable.

16. Travel Pillow

Ready for your next adventure? Don’t forget your travel pillow – it’s your key to ultimate comfort!

Many popular Travel Pillows offer tailor-made support for your head and neck, especially on those long-haul flights. It’s lightweight and packs easily, meaning less hassle for you.

Best for those who value a peaceful in-flight snooze, this game-changing essential comes with a memory-foam wall offering unmatched comfort.

Pro Tip: Pair it with the EverSnug travel blanket, It doesn’t just keep you cozy but doubles as a compact cushion too! Now, that’s travel made comfy and convenient!

17. Sunglasses Case

Off to a sun-soaked adventure, you need a nifty sunglasses case! It’s a must-have to safeguard your shades from damage while in transit.

Perfect for those eyeing to pack multiple pairs of sunglasses, you’d love this.

Expert tip – Choose a case that securely holds your glasses snugly, ensuring no damage takes place during the journey.

18. Contact Lens Case Kit

After my last late night flight, I was determined to find a better system for my contact. Enter the Contact Lens Case Kit.

Perfect for maintaining your vision care away from home, this kit boasts a mirror, mini solution bottle for your contacts, lens case, tweezer, and remover tool.

You can also get a contact lens and glasses case combo travel kit!

This handy, compact kit is an asset to anyone wearing contacts. Not only will it make your travel simpler, but it’s also affordable, priced under $10.

19. Reusable Water Bottle

Set off on your travels with the ultimate companion, a reusable water bottle!

Refill at any airport water fountain and save on plastic and expenditure – a savvy choice for our planet and wallet!

Plus this is a frugal green item with less plastic waste and sustainable hydration.

Expert Tip: Pack Liquid IV or Nuun tabs to make your drink a fun experience!

20. Packing Cubes

Say goodbye to disorganized luggage with packing cubes—your best travel buddy!

They’re a lifesaver for the frequent flyer seeking an organized and hassle-free travel experience. Especially those traveling with kids!

With features like shoe sleeves and compressibility, they’re ideal for chronic over-packers or shared-luggage travelers. I cannot say how helpful packing cubes are for trips!

21. Luggage Straps

Luggage straps are a travel essential you shouldn’t overlook! These handy accessories offer added security and ease for every traveler.

Designed with durability and convenience in mind, luggage straps, such as the TSA-approved luggage nylon straps, keep your checked bags secure during long flights. You’ll also love their visibility feature – bright neon colors that make your suitcase easily identifiable!

Ideal for people frequently on the go, they’ve garnered solid endorsements from seasoned travelers.

22. Travel Pill Box

Say goodbye to loose pills and experience medication portability at its finest with the Travel Pill Box – a real game changer for travel essentials!

The sheer convenience it offers makes it a must-have for every traveler.

  • The Travel Pill Box keeps your medications organized with multiple compartments that can be labeled as you wish.
  • Ideal for people on the go, it eliminates the need for bulky pill boxes and plastic bags.

Expert Tip: Allocate distinct sections for different medications and times of the day to ensure regularity even when your travel schedule is unpredictable.

23. Universal Travel Adapter

This top-quality adapter is a jet-setter’s delight, ensuring you’re always powered up on your globe-trotting adventures.

A travel adapter is a useful device that allows travelers to use their electronic devices in countries where different plug standards are used. It provides a hassle-free way to keep electronic devices like laptops, phones, or cameras powered up, vital for staying connected and entertained during international travels.

With its functionality in over 150 countries and capacity to charge six devices simultaneously, it’s perfect for the tech-savvy traveler.

Remember, it’s not a voltage converter, so ensure your devices are dual-voltage. If not, pack an adapter that converts voltage.

24. TSA Approved Luggage Lock

Secure your luggage with the TSA Approved Luggage Lock, an absolute must-have for every savvy traveler.

With this lock, enjoy peace of mind on your journeys, assured your luggage is safe and no one has been through your stuff!

Featuring easy-to-read dials, an inspection indicator, and a durable zinc alloy design, it’s perfect for frequent flyers and security-conscious travelers.

Expert Tip – Always lock your suitcase when unattended to deter theft. And carry an extra in case yours is lost.

25. TSA Approved Travel Bottles

These TSA Approved Travel Bottles are magnificent game-changers for any frequent flier.

They’re precisely designed, with an easy dispensing mechanism, and leak-proof tops, plus conform to TSA size limits.

A supreme choice for savvy travelers, they’re reusable, eco-friendly, and wallet-friendly.

26. Luggage Cup Holder

The Luggage Cup Holder is about to be your new jet-setting best friend. (In fact, I’m buying this for my son for Christmas.)

This genius accessory deftly holds your coffee or water bottle, freeing you up to maneuver through busy airports effortlessly.

Even better, it features a handy pouch for storing essentials like ID’s or credit cards.

Juggle less and travel more, with this brilliant travel necessity!

27. Compression Socks

Long-haul flights call for compression socks! They increase blood flow while reducing swelling and the risk of blood clotting which may occur due to prolonged periods of sitting, such as during long flights.

Thankfully, they are way more stylish than the traditional hospital-issued white compression socks. This has caused their popularity to soar, providing pressure from the ankle upwards, making them essential for flights.

These socks provide graduated compression especially high at the ankles and reduce upwards towards the knee, facilitating increased blood flow.

Moreover, they are not only meant for those with medical conditions, but also beneficial for travelers, athletes, and those who stand for long hours at work. They enhance overall leg health by minimizing swelling, fatigue, and discomfort, thus improving the quality of your daily activities and sleep.

28. Cruise Luggage Tags

Get ready to sail in style and convenience with one indispensable travel essential – cruise luggage tags.

It’s that little gadget you never knew you needed until you’ve used one and seen its magic.

Here’s why: These tags make your bags unmistakable, reducing the risk of losing them amidst a sea of sameness. It’s a godsend for frequent cruisers as your company-issued tags won’t fall off.

Go for brightly-colored, durable tags. A simple trick, but could save you from a world of lost luggage stress.

29. Laundry soap sheets

One of the best ways to pack less is to run a quick load of luggage on your trip. So, these laundry soap sheets come in handy! We also pack two dryer balls as well.

Ready to pack for your next adventure? Don’t forget laundry soap sheets, a travel game-changer! –

They’re lightweight and occupy minimal space. This is great when packing a minimalist capsule wardrobe.

No time to find a laundromat? Then, use SinkSuds which can be used anywhere!

30. Security Cameras at Home

Securing your home with surveillance cameras while traveling is a crucial precaution.

The peace of mind offered by a vigilant “electronic eye” is incomparable. These cameras capture real-time footage, aiding in deterring burglaries and providing evidence if needed. Perfect for frequent travelers, it assures your abode’s safety from afar.

When we travel, we install one inside our house with an instant notification on our phones. As motion is detected, a siren noise goes off, which I’m sure would terrify any intruder!

Expert tip: Opt for cameras with remote-access features, so you’re always a glance away from your home.

What are the five most important items you need for these vacations?

Setting off for your much-anticipated vacation?

Here are the top five must-have travel essentials for an easy-going and memorable adventure.

  • Travel Planner and Journal: This bundle is essential for planning your trip and keeping track of your daily activities. The planner helps organize your itinerary, while the journal provides a wonderful means to record memories and experiences from your trip.
  • Multipurpose Clothing: Items like versatile shoes or pants that are ideal for multiple activities such as hiking and sightseeing are crucial to pack. Such items can save you space in your baggage, simplify your travel outfits, and cover a variety of travel occasions or activities.
  • All-in-One Travel Bag: A multipurpose bag, like a fanny pack or backpack, is an important versatile travel essential. This item keeps your essentials within easy reach, aids organization, and can adapt to a variety of travel situations.
  • Personal Care Essentials: Depending on your destination and planned activities, personal care items may include sunblock, moisturizer, or insect repellant. They ensure you are prepared for the environmental conditions you may face and can greatly enhance your overall comfort and well-being during your travels.
  • Travel Luggage: This trendy luggage piece thrills travelers with its durability and sleek design. Make sure your suitcases are lightweight!

Remember, a well-prepared traveler is a happy traveler. Aim for comfort, protection, and convenience!

Which Essentials for Travelling are your Next Purchase?

Ready to embark on your next adventure?

Don’t let unexpected situations curb your enthusiasm – it all starts with being prepared.

Remember, travel isn’t just about the destination but the journey, and the journey includes packing well!

With these travel essentials ideas, you can load up your bags with high-quality travel gear, ensuring comfort and stress-free experiences during your trip and beyond. Many of which are actually Amazon travel must haves.

Investing in essentials now will not just save you money down the line, but also help avoid irritating travel hitches.

Whether it’s tangle-free cords, smart luggage, or convenient packing tools – each item on our list has earned its spot by proving its worth on countless journeys for me.

So, next time you’re planning a trip, remember to refer back to this list. Good preparation equals to great journeys!

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

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Apache is functioning normally

As the cradle of American history and a hotbed for innovation, Boston offers renters with a wide range of incomes a lifestyle teeming with opportunities and experiences. From ample job opportunities in technology, healthcare and finance to a lively culture that embraces the arts and sports, there’s something for everyone. Fortunately, the average salary in Boston is also above the national average, providing a financial counterbalance for those looking to dive into all that this vibrant city has to offer.

Yet, it’s essential to consider that the cost of living in Boston is higher than in many other U.S. cities, particularly when it comes to rent and utilities. We’ll dive into both aspects of Boston living below to examine how much the average salary feels like when bills and entertainment costs are accounted for.

  • Overall average salary in Boston: $80,507
  • Average salary in Boston as an hourly rate: $38.71

Boston job market at a glance

Boston’s job market is rife with opportunities across a multitude of industries. Often referred to as the “hub of innovation,” the city is home to a burgeoning tech scene that rivals Silicon Valley, particularly in biotech, cybersecurity and software development.

It’s not just tech companies that are hiring, though. Boston’s status as a world-class city for education, boasting institutions like Harvard and MIT, has created a ripple effect of opportunities in academia, research and educational technology. Finance and consulting are also well-represented, with many major firms settling down in the city.

But it’s not all white-collar jobs and six-figure salaries. Boston’s thriving tourism industry provides a host of opportunities in hospitality, from hotel management to culinary arts.

The city’s extensive healthcare network, with renowned facilities like Massachusetts General Hospital and Brigham and Women’s Hospital, offers a range of jobs from clinical to administrative. Construction and skilled trades are also in demand, as Boston’s growth shows no signs of slowing down. Retail and service jobs abound, especially in tourist-heavy areas like Faneuil Hall Marketplace or the historic North End.

In essence, whether you’re a recent graduate, a seasoned professional or someone looking for a career change, Boston’s job market is likely to have something that aligns with your skills and aspirations while netting you the average salary in Boston or above.

Renting in Boston

The rental market in Boston reflects an increasingly costly environment for tenants, with average rents ranging between $3,421 for a studio apartment to $5,330 for a two-bedroom. While studios and two-bedroom apartments have both seen an annual rent increase of 7%, one-bedroom apartments have had a more moderate increase of 2%, averaging $4,002.

Notable areas like Kenmore and Back Bay have seen astronomical rent increases of 40% and 59% respectively, for studio apartments. Conversely, the Seaport District experienced a 4% decrease in average rent for studio apartments, suggesting that not all areas in Boston are subject to the same upward pressure on rent.

When compared to nearby cities, Boston’s rents are generally higher. For example, the average studio rent in Cambridge is $2,910, a decrease of 5% compared to the previous year, while in more affordable areas like Roxbury and Manchester, the average rents for a studio are $1,900 and $1,627 respectively.

Among the most affordable neighborhoods in Boston for a one-bedroom apartment are Brook Farm, Forest Hills – Woodbourne and Jeffries Point, where average rents range from $1,950 to $2,200. In stark contrast, the most expensive neighborhoods include Kenmore, Fenway and Audubon Circle – Longwood, where one-bedroom apartments go for an average of around $4,779 to $4,843.

The Boston rental market thus reveals a significant range in pricing, depending on location and apartment size, with a predominant trend towards high rental costs. This could be a deterrent for lower-income families and individuals, effectively creating economic barriers to living in many areas of the city if you make below the average salary.

That said, if you’re raking in an average salary in Boston, while homeownership may not be on the table, you’ll have a deep pool of apartments within your price range to choose from.

Transportation

Navigating Boston is a breeze thanks to the city’s robust public transit system, affectionately known as the “T.” Managed by the Massachusetts Bay Transportation Authority (MBTA), the T includes subway lines, buses and even scenic ferry routes across Boston Harbor. Major subway lines connect key hubs, while buses serve the city’s nooks and crannies. The standard fare for a subway ride is $2.40 with a CharlieCard, and bus rides start at $1.70. Monthly passes are available for frequent commuters.

While the T is a staple for many, having a car in Boston comes with its challenges, including congested roads and expensive parking. The city’s historic layout makes for narrow streets that aren’t always car-friendly. Parking costs can add up quickly, with rates in downtown garages often exceeding $30 a day. Many residents opt for resident parking permits but even then, finding a street spot can feel like hitting the jackpot.

In summary, the T offers a cost-effective and generally safe way to traverse the city, while owning a car demands a higher financial and logistical commitment.

Food

From the narrow alleys of the North End, teeming with Italian eateries, to the modern fusion restaurants of the Seaport District, Boston’s food scene is a culinary expedition waiting to happen. The city’s storied history has given rise to iconic eats like Boston Cream Pie and the iconic bowl of clam chowder, but don’t let tradition fool you. Boston is no slouch when it comes to trendy gastronomy; think vegan bakeries, gourmet food halls and artisanal coffee shops that dot the landscape from Fenway to Southie.

But that’s not all. Bostonians also have a soft spot for casual fare. The city boasts an impressive selection of food trucks serving everything from Korean barbecue to vegan tacos and more. The local bar scene contributes with its own genre of comfort food: Think loaded nachos, buffalo wings and overstuffed burgers best enjoyed while bellied up to the bar watching a Red Sox game. And let’s not forget the strong international cuisine scene; in neighborhoods like Allston, you can chow down on Thai curries, Japanese ramen and Middle Eastern kebabs all in a single street.

Entertainment

Often referred to as the “Athens of America” for its intellectual vitality, Boston has an entertainment scene that caters to every taste and sensibility. For the highbrow crowd, the city’s Symphony Hall, home to the Boston Symphony Orchestra, offers an unmatched acoustic experience, while the Museum of Fine Arts and the Institute of Contemporary Art serve as sources of inspiration for art aficionados.

Those enamored by the stage will find solace in Boston’s flourishing theater district, which hosts a mix of Broadway hits, avant-garde performances and everything in between. There’s even a vibrant indie film scene, with theaters like the Coolidge Corner Theatre offering a sanctuary for lovers of the silver screen outside the mainstream.

Yet, for all its refinement, Boston is also a city that pulsates with the energy of its passionate sports fans. The words Red Sox, Celtics and Bruins are spoken here with a kind of religious reverence, and catching a game at historic Fenway Park or the state-of-the-art TD Garden is an experience that pulses with excitement and local pride.

For a more casual night out, the city is home to a ton of bars, from the clubs in the South End to raucous rock venues in Allston. Beer gardens, rooftop bars and dance clubs pepper the city, ensuring that when the sun goes down, Bostonians have no shortage of places to let loose. From the upper crust to the down-to-earth, Boston’s entertainment scene is as varied as it is abundant.

Other expenses

Living in Boston comes with its share of additional recurring expenses that go beyond the basics of rent, food and entertainment. One significant outlay is utilities, which can run higher than the national average, especially during the city’s harsh winters and hot summers.

Expect to shell out for heating costs in the form of gas or electricity, which can range between $150 to $300 a month depending on the size and efficiency of your home. Don’t forget the cost of water, internet and cable, which can collectively add another $100 to $200 to your monthly budget.

Healthcare is another major recurring expense, with Massachusetts having some of the highest healthcare costs in the country. Even with insurance, co-pays and premiums can add up. Monthly premiums for a standard plan can range from $200 to $400, while specialized treatments or medications can be substantially higher.

Similarly, fitness-conscious Bostonians might find themselves paying for gym memberships or yoga classes, which usually cost around $50 to $100 per month. Pet owners aren’t exempt from recurring costs either, with pet insurance, vet visits and grooming services contributing to the monthly bills.

Make your move to Boston

Life in Boston is a rich collection of experiences, from its dynamic job market and world-class educational institutions to its diverse food and entertainment scenes. While the cost of living can be steep, particularly when it comes to rent and utilities, the thriving job market often compensates with competitive salaries.

According to various reports, the average salary in Boston ($80,507) is higher than the national average, making it possible for renters to enjoy the city’s amenities and culture while also planning for a financially secure future. If you’re lucky enough to be bringing in $100,000 a year, you should have no problem finding the perfect place to call home in Boston.

Source: rent.com