Thinking of making Mount Rushmore State your new home? South Dakota is full of small towns, and cultural heritage, making it an appealing destination for newcomers. Whether you’re browsing homes for sale in Sioux Falls, considering renting in Rapid City, or exploring houses for rent in Spearfish, the state provides a mix of scenic landscapes and growing economic opportunities.
South Dakota at a glance
From the iconic landscapes of the Black Hills and Badlands to the wide-open prairies, the state has various outdoor recreation opportunities to explore. Its central location in the Midwest provides a peaceful lifestyle, yet residents are within driving distance of larger cities, where Sioux Falls is within a four hour drive to Minneapolis. South Dakota’s economy is robust, supported by thriving sectors such as agriculture, tourism, and manufacturing, with major corporations like Sanford Health and Poet headquartered in the state.
The cultural landscape of South Dakota is equally rich, featuring historical landmarks like Mount Rushmore and the Crazy Horse Memorial. The state is known for its unique food culture, including regional specialties like chislic and fry bread, reflecting its Native American and pioneer heritage. While the cost of living is generally low across the state, offering affordability in areas like Brookings and Aberdeen, some parts of South Dakota, can see higher living costs. Whether you’re drawn to its breathtaking landscapes or welcoming communities, South Dakota provides a great living experience.
1. There are extreme weather conditions here
South Dakota is known for its dramatic weather swings throughout the year. Summers can be scorching, with temperatures often climbing into the 90s, while winters are harsh and can see temperatures plummet well below zero, with significant snowfall in some areas. Tornadoes are also a risk, especially in the eastern part of the state, so having a plan for severe weather and appropriate gear for both extremes is crucial. Rapid weather changes are common, so it’s important to stay updated with local forecasts.
2. South Dakota has a sparse population density
South Dakota has one of the lowest population densities in the United States, meaning that towns and services are spread out over large areas. This results in long drives between communities and fewer immediate conveniences. While this contributes to a peaceful and less congested environment, it also means that residents need to be prepared for rural living with limited access to amenities and services.
Insider scoop: For a smoother transition, consider planning trips to larger towns like Rapid City or Sioux Falls for stocking up on essentials and accessing specialized services, as these cities offer more robust amenities and shopping options.
3. Housing is affordable
South Dakota has a lower cost of living compared to many other states, particularly in terms of housing and utilities. Home prices are generally lower, with the median home sale price of $328,600, below the national median of $438,706. Renting is also affordable with the average rental rate for a one-bedroom apartment being $922 in Sioux Falls. Additionally, there is no state income tax, which can result in significant savings.
4. There are plenty of outdoor activities
South Dakota’s diverse landscapes provide a wealth of recreational opportunities for outdoor adventures, making it an attractive option for those considering living in South Dakota. The Black Hills and Badlands offer excellent hiking, rock climbing, and scenic drives, while the Missouri River is ideal for fishing and boating. Additionally, national parks such as Mount Rushmore and Custer State Park provide ample opportunities for wildlife viewing and exploration. Whether you’re a seasoned adventurer or simply enjoy nature, South Dakota’s varied terrain promises something for everyone.
Insider scoop: For a unique experience, visit the Black Hills during the fall for the annual Buffalo Roundup at Custer State Park, where you can witness the dramatic sight of hundreds of bison being rounded up, and enjoy a local celebration with live music, food, and crafts.
5. South Dakota has a rural lifestyle
Much of South Dakota is characterized by its rural setting, with small towns and wide-open spaces dominating the landscape. Life here tends to be slower-paced with traditional values. While this can mean fewer amenities and a more close-knit environment, it also offers a unique charm and connection to nature.
If you’re considering a move to South Dakota, it’s important to weigh the pros and cons to understand what the state has in store for you.
6. Be prepared for the wildlife encounters
The state’s vast natural areas are home to a variety of wildlife, including bison, elk, deer, and prairie dogs. Living in close proximity to these animals means that encounters can occur, especially in rural and undeveloped areas. It’s important to be cautious and respectful of wildlife, particularly when hiking or camping. Understanding local wildlife behavior and taking precautions, such as securing food and being aware of your surroundings, can help ensure a safe experience.
Insider scoop: For a unique experience, consider joining a guided wildlife tour in Custer State Park. These tours offer a chance to see bison herds up close and learn from experts, providing both safety tips and fascinating insights into the region’s wildlife.
7. You’ll need a car to get around the state
Public transportation options are limited in South Dakota, particularly outside of major cities like Sioux Falls and Rapid City. Owning a vehicle is essential for navigating the state and accessing essential services, as distances between towns and amenities can be significant. Rural areas, in particular, require reliable transportation for daily activities and emergencies.
8. The state has a rich cultural scene
South Dakota’s cultural offerings are diverse, reflecting its historical and Native American heritage. Key sites include the National Music Museum in Vermillion and the South Dakota Art Museum in Brookings. Festivals and events, such as the Sturgis Motorcycle Rally and Native American powwows, further add to the state’s cultural scene.
9. Mount Rushmore is smaller than you think
While Mount Rushmore is an iconic symbol of American history, visitors often find the monument smaller in person than they anticipated. The colossal granite faces of Presidents Washington, Jefferson, Roosevelt, and Lincoln are impressive but can appear smaller against the backdrop of the vast Black Hills. Despite its size, the monument offers a powerful and memorable experience, with plenty of educational exhibits and scenic views in the surrounding area.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
A typical four-year degree can cost $115,000 or more, according to a 2023 College Board report. Borrowing money to pay for college adds to the total cost, due to interest.
To lower the overall cost of your education, consider making optional student loan payments while you’re in school or during your grace period. Even if you can only afford a small amount, every payment you make will decrease the amount of interest that accrues. You could save thousands over the life of your loan.
“Interest begins accruing on most private student loans and some federal student loans as soon as students receive the money, even if payments aren’t due,” says Jill Desjean, senior policy analyst with the National Association of Student Financial Aid Administrators.
🤓Nerdy Tip
There is one exception: If you qualify for federal subsidized Direct loans, the government covers the interest charges while you’re in school and during your grace period.
The impact of making student loan payments while in school
Paying even small amounts while you’re in school can add up. Consider this hypothetical example: Let’s say you take out $10,000 your first year of school at 6.53% interest on a 10-year repayment term. Here’s how different repayment amounts impact your total savings:
If you don’t make in-school payments, you’ll pay $141 per month once your repayment period starts. By the end of your repayment term, you’ll pay a total of $17,653.
If you pay $25 per month while in-school, you’ll pay $132 per month once your repayment period starts. By the end of your repayment term, you’ll pay a total of $17,161 — a savings of $492.
If you pay $50 per month while in-school, you’ll pay $116 per month once your repayment period starts. By the end of your repayment term, you’ll pay a total of $16,669 — a savings of $984.
If you pay $100 per month while in-school, you’ll pay $86 per month once your repayment period starts. By the end of your repayment term, you’ll pay a total of $15,686 — a savings of $1,967.
If you have multiple loans and can’t afford to make payments toward all of them, pay the one with the higher interest rate first, says Amy Lins, vice president of customer success with Money Management International, a non-profit financial education agency.
Making payments will also help you avoid the effects of capitalization — where interest is capitalized and added to your principal balance. Capitalization is typically what people mean when they talk about paying interest on your interest. By making payments while in college, you can cut down on the amount that’s capitalized, preventing your loan balance from ballooning out of control.
When should you skip in-school payments?
Depending on your circumstances, making in-school payments may not make sense. If you fit into one of the following groups, you may be better off deferring your payments until you leave school and your grace period ends.
You can adjust your budget
If you find that you can afford to pay $50 or more per month, you may need to rethink your budget and approach to borrowing.
“While making payments during school can save student loan borrowers money, the cheapest option is to not borrow at all because of loan origination fees,” Desjean says. “If you’re in a position to make payments on your loans during school, examine whether you can use that extra money to pay for school expenses directly without borrowing.”
Similarly, if you borrow money, the school will send you a check for the excess amount after covering your tuition and fees. You can use the cash to cover other education expenses, including your textbooks and meal plan. But according to Robert Farrington, founder of The College Investor, those excess dollars are an opportunity to reduce your debt.
“I would always encourage you to minimize lifestyle expenses,” he says. “Maybe get an extra roommate or anything you can do to save money, and then you can take that refund and put it right towards your student loan. Even if you wait until the end of the semester or the end of the academic year, I would throw it right back at your student loans ahead of time instead of keeping that.”
You’re pursuing loan forgiveness
If you’re planning on working as a teacher or for a non-profit organization, you may qualify for loan forgiveness under Public Service Loan Forgiveness (PSLF), so making extra payments may not make sense.
“If you’re working in public service and qualify for PSLF, you could end up a lot wealthier in life by paying as little as legally allowed on your loan and receiving loan forgiveness,” Farrington says. “If you know what direction you’re taking while in college, you can give yourself a head start.”
You have other debt
Your student loans may not be the only form of debt you have. And if you have other debt with higher rates, it may be financially wise to target the highest-interest debt first.
“If someone has accumulated credit card debt, for example, that’s likely to be at a much higher interest rate [than student loans],” says Lins. “And I would tackle that first to keep that credit card balance from growing.”
You have subsidized federal student loans
If you have subsidized federal student loans, which are available to students with financial need, interest does not accrue while you’re in school or during your six-month grace period. If you have this type of loan, your balance won’t be larger upon leaving school than it was when the loan was disbursed.
However, making in-school payments if you’re able can still help you in the long run, because interest will accrue on a smaller balance once you leave school.
“I think for the general market – whether you’re planning to grow by three times or just by 25% – everybody’s going to grow in a growing market. So just being very proactive with your approach to hiring and developing your team is critical right now in the early stages.” Technology for mortgage firms For … [Read more…]
A debit card offers an easy way to make purchases, pay bills, and withdraw cash at automatic teller machines (ATMs). These cards are issued by banks and credit unions and offer a direct link to your checking account. While they look like credit cards, and offer some of the same benefits, they don’t involve accumulating any debt. If you don’t yet have a debit card, here’s information on what they do and how to get one.
What Do Debit Cards Do?
A debit card, also known as a bank card, is a physical card that replaces the need to carry cash. You can use a debit card to make purchases both in person or online using the funds in your bank account. Debit cards are typically associated with checking accounts, though some types of savings accounts (such as money market accounts) offer debit cards. You can also use a debit card to withdraw or deposit cash at ATMs.
When you make a transaction using a debit card, the money is immediately deducted (or debited) from your bank account balance. This makes a debit card different from a credit card, which involves borrowing funds from your card issuer to make purchases. With a debit card, you generally can’t spend more than you have in your bank account, and won’t get a bill at the end of the month.
Every debit card has a unique (typically) 16-digit number and expiration date, which are usually on the front of the card. Your card should also have a three-digit debit card security code, or CSC (also sometimes called a CVV or CVC), which you typically need to enter when making debit card purchases online. Your CSC code is different from your personal identification number (PIN), which you usually need to use to complete purchases at the checkout or withdraw cash at ATMs.
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What Do You Need Before You Get a Debit Card?
To get a debit card, you generally need to open a checking account. The application process varies by institution, but you will likely need to provide:
• Your name, date of birth, and Social Security number
• Proof of address (such as a lease, mortgage statement, or utility bill)
• A government-issued photo ID (such as a driver’s license or passport)
• An initial deposit is required by some, but not all, banks
If you’re applying for a new bank account with a joint owner, they’ll need to provide their personal information and identification as well.
How to Get a New Debit Card
Once your account is open, here are the steps for how to get a debit card.
1. Request a Debit Card
If the bank doesn’t automatically issue you a new debit card when you open your account, you may need to request one. The bank will typically mail you your card, which can take anywhere from a few days to two weeks. If you need a card sooner you can request expedited delivery (but there may be a fee).
2. Activate Your Card
Once you receive your debit card, you’ll need to follow the instructions provided to activate it. This usually involves calling a phone number, going online, or visiting an ATM. Whatever method you choose, you will likely need to verify the card number, expiration date, and three-digit security code.
3. Set Your PIN
Either during the activation process or at a later date, you’ll need to set up a PIN, which is a (typically) four-digit numeric code used to verify your identity when making transactions. It acts as a password, ensuring that only you can access your funds. You’ll want to choose a PIN that you’ll remember but others can’t easily guess. If you ever forget your PIN, many banks allow customers to change or reset their debit card PIN via their website or mobile app’s debit help center.
The Benefits of Getting a Debit Card
There are several advantages to having a debit card. If you’re not using a debit card yet, here are some of the benefits you might be missing out on.
• Convenience: Debit cards allow easy access to funds for everyday transactions and online purchases. You can also link debit cards to mobile wallet apps for quick contactless payments when shopping in stores.
• No debt: With a debit card, you can generally only spend what you have in your account, avoiding credit card debt and interest.
• Quick access to cash: When you do need cash for payments, debit cards can be used at ATMs to withdraw money. In addition, some retailers allow you to get cash back at the checkout counter when making a purchase.
• Safe transactions: Debit card technology mirrors that of traditional credit cards and comes with features like chips, PINs, and other safety measures.
• Manage spending: Using a debit card for purchases and paying bills makes it easy to track your spending. By logging into your bank’s website or app, you can get an overview of what purchases were made, which can help with budgeting and money management.
• Rewards programs: Some debit cards offer rewards or cashback on purchases.
• Bill payments: You can often store your debit card information inside payment accounts for recurring monthly bill payments, which can simplify paying bills.
Debit Card Fees
While a debit card may be furnished by your bank at no charge to you, there are some potential fees to be aware of.
• ATM fees: ATM fees may apply when you use a machine that’s outside of your bank’s approved network. Your bank may charge you an out-of-network ATM fee and the owner of the ATM may also hit you with a fee.
• Monthly maintenance fees: Some banks charge a monthly fee for maintaining a checking account. This can often be waived with a minimum balance or direct deposit.
• Foreign transaction fees: If you use your debit card at an ATM or store outside of the U.S., you may need to pay a foreign transaction fee.
• Overdraft fees: If you have overdraft coverage and use your debit card to spend more than your account balance, your bank may cover the overage and charge you an overdraft fee.
• Replacement card fees: Losing your card or needing a replacement might result in a fee.
• Inactivity fees: Some banks charge a fee if your account remains inactive for a certain period.
Can You Get Denied for a Debit Card?
It’s possible to be denied a checking account and, subsequently, a debit card, if you have a negative banking history. While banks don’t typically report your checking and saving account activity to the consumer credit bureaus, any history of bounced checks, unpaid fees, and involuntary account closures may be accessible through ChexSystems, which is a reporting agency for the banking industry.
If you have negative information in your ChexSystems report, such as involuntary bank account closures, frequent overdrafts, or unpaid negative balances, you may get denied for a new bank account.
You may, however, be able to get a debit card with a second chance checking account. Second chance bank accounts are designed for people who may have had trouble with banking in the past and are trying to get back on track. These accounts may have limited features and benefits compared to traditional checking accounts, but they can be a good stepping stone for rebuilding banking history.
The Takeaway
Debit cards provide a convenient and secure way to manage your finances, offering benefits like eliminating the need to carry cash, secure transactions, and budgeting assistance.
Getting a debit card is a relatively simple process that begins with opening a checking account. You can improve your chances of getting approved for a debit card by maintaining a positive banking history, clearing any outstanding issues with previous banks, and ensuring your identification documents are in order.
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FAQ
What things can’t you do with a debit card?
While debit cards are versatile, they come with some limitations. You generally can’t use a debit card for activities that require a hold larger than your available balance, such as renting a car or booking a hotel room. In addition, some online subscriptions and services may only accept credit cards. Also keep in mind that credit cards usually offer greater consumer protections on purchases related to fraud than debit cards.
What things can’t you do without a debit card?
Without a debit card, you may face difficulties accessing cash quickly. In addition, you won’t be able to make cashless in-store purchases using the funds in your checking account. Your only option for digital payment will be a credit card, which entails borrowing funds and, if you don’t pay your balance in full, paying interest.
Is the process of getting a debit card hard?
No, the process of getting a debit card is relatively simple. It involves opening a checking account with a bank or credit union. Depending on the institution, you may be able to open an account online or may need to visit a branch. Once your checking account is open, the bank or credit union will typically issue and mail your debit card to your address, which you then need to activate.
If you have a credit card, do you need a debit card?
While a credit card can cover many of your financial needs, it’s still a good idea to have a debit card. Debit cards provide direct access to your funds without incurring debt, which helps with budgeting and avoiding interest charges. You can use a debit card to withdraw cash from ATMs, make everyday purchases in person and online, and manage your expenses in real time. In addition, some merchants and service providers may prefer or require a debit card.
The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.
SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with direct deposit are eligible for other SoFi Plus benefits.
As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 4.50% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant. SoFi members with Qualifying Deposits are not eligible for other SoFi Plus benefits.
SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.
SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.
Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Interest rates are variable and subject to change at any time. These rates are current as of 8/27/2024. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Nebraska, known for its warm Midwestern charm and welcoming communities, provides residents with urban centers and expansive rural landscapes. With a strong sports culture highlighted by the University of Nebraska Cornhuskers and a variety of outdoor recreational activities, Nebraska provides a fulfilling living experience. Whether you’re browsing homes for sale in Omaha, considering renting in Lincoln, or exploring houses for rent in Bellevue, here’s what you need to know before moving to Nebraska.
Nebraska at a glance
Living in Nebraska offers city life and serene rural landscapes, making it an appealing destination for a variety of lifestyles. Omaha, the largest city and a key economic hub, is known for its dynamic cultural scene, including the renowned Omaha Community Playhouse and the Henry Doorly Zoo. Lincoln, the capital, has a vibrant arts scene and lively college atmosphere, making it one of the best places to live in Nebraska.
Nebraska’s economy is diverse, with key industries such as agriculture, manufacturing, and healthcare driving growth. Major employers in the state include Berkshire Hathaway, Cargill, and the University of Nebraska Medical Center. The state’s affordable cost of living, particularly in smaller towns and rural areas, makes it an attractive option for those looking to enjoy a high quality of life without high expenses. Nebraska’s cultural scene is enriched by local festivals, historic sites, and outdoor activities, with attractions like the Sandhills and Scotts Bluff National Monument offering ample recreational opportunities. With its friendly residents and a wide array of activities, Nebraska provides a welcoming environment for newcomers.
1. Nebraska has some extreme weather
Nebraska experiences dramatic weather changes throughout the year, with scorching summers often reaching the 90s°F and frigid winters that can plunge well below freezing. The state also experiences severe weather conditions, including tornadoes in the spring and summer, which can bring heavy rain and high winds. Winter snowstorms can cause significant disruptions, so investing in good winter gear and staying updated on weather forecasts is essential.
Insider scoop: Prepare an emergency weather kit that includes essentials like a battery-powered weather radio, extra batteries, non-perishable food, and water. This preparation ensures you’re ready for unexpected weather events and can stay safe and informed throughout the year.
2. Get ready to explore the Sandhills
The Nebraska Sandhills are a picturesque region characterized by rolling sand dunes covered with lush grasslands, making it a haven for adventure. This expansive area covers about one-quarter of the state and offers opportunities for hiking, birdwatching, and scenic drives. The Sandhills are also home to a variety of wildlife, including deer and prairie chickens. Exploring this region provides a glimpse into Nebraska’s diverse natural beauty and offers a tranquil escape from urban life.
Travel tip: Visit the Sandhills during the spring or fall when the weather is mild and the wildlife is more active. For a unique experience, consider staying at a local ranch or lodge to fully immerse yourself in the natural beauty and tranquility of the region.
3. College football is a major part of life in Nebraska
College football, especially the University of Nebraska Cornhuskers, is deeply ingrained in Nebraska culture. The team’s games draw large crowds, and the atmosphere in Lincoln on game days is electric, with tailgating, community events, and enthusiastic fans. The Cornhuskers’ storied history and the team’s success have created a strong sense of local pride and community spirit. Embracing the football culture is a great way to connect with fellow residents and experience a central aspect of life in Nebraska.
4. Housing in Nebraska is affordable
The housing market in Nebraska is notably affordable, with a median home price around $306,800, which is lower than the national median of $442,451. Rental prices are also budget-friendly, with one-bedroom apartments generally ranging from $800 to $1,200 per month. This affordability extends to various cities, including Fremont, where the average rent is $985. This affordability makes homeownership and renting accessible for many.
If you’re moving to Nebraska, you’ll want to weigh the pros and cons of living in the Cornhusker State to ensure that this state is right for you.
5. You’ll want to visit the historic attractions
Nebraska has several historic attractions that offer insights into its past, such as the Oregon Trail and the Pony Express National Historic Trails. These sites provide valuable historical context and opportunities to explore the state’s pioneer past. The Nebraska State Capitol in Lincoln is an architectural marvel with guided tours available, showcasing the state’s political history.
Insider scoop: Visit the Nebraska History Museum in Lincoln, which offers interactive exhibits and detailed displays on the state’s history, including artifacts from the pioneer era.
6. Nebraska State Fair will give you a taste of the culture
The Nebraska State Fair, held annually in Grand Island, is a lively celebration of the state’s agricultural roots and community spirit. The fair features a range of activities, including livestock shows, carnival rides, and a diverse selection of food vendors. It also highlights Nebraska’s local culture with live music performances, arts and crafts, and 4-H exhibits. Attending the State Fair provides a fun and immersive experience into Nebraska’s traditions and social life.
7. The landscape is dominated by the Great Plains
Nebraska’s landscape is predominantly defined by the Great Plains, characterized by vast, open prairies and rolling grasslands. This flat terrain offers stunning, expansive views and is ideal for activities such as hiking, camping, and birdwatching. The Great Plains are integral to Nebraska’s agricultural success, contributing to its reputation as a leading producer of corn and soybeans.
8. The local cuisine is full of regional flavors
Nebraska’s local cuisine reflects its agricultural heritage, featuring dishes like Runza sandwiches, which are bread pockets filled with seasoned beef and cabbage. The state is also known for its high-quality beef, including Omaha steaks, which are a local delicacy. Foodies can enjoy regional specialties at local diners and farm-to-table restaurants, offering a taste of Nebraska’s culinary traditions.
Insider scoop: Don’t miss out on trying a classic Nebraska-style barbecue at one of the state’s popular BBQ joints, where slow-cooked meats and unique regional sauces showcase local flavors.
9. You’ll want to invest in a car
In Nebraska, public transportation options are limited outside major cities like Omaha and Lincoln. Owning a car is essential for getting around, especially if you live in rural areas where public transit is sparse. Having a vehicle allows you to explore Nebraska’s wide-open spaces, visit smaller towns, and easily commute to work or other daily activities. Investing in a reliable car will enhance your mobility and convenience while living in Nebraska.
10. There’s plenty to do outside here
Nebraska offers abundant outdoor activities, from exploring the Sandhills and state parks to enjoying recreational activities along the Missouri River. Popular outdoor destinations include Chadron State Park, which provides opportunities for hiking and camping, and the Nebraska National Forest, known for its scenic trails and wildlife. The state’s open spaces and natural beauty make it ideal for those looking to engage in activities like fishing, birdwatching, and nature photography.
11. The wind can be intense
Nebraska’s flat terrain and open landscapes contribute to frequently strong winds, which can reach speeds of 20 to 30 mph or more. The wind can affect daily life, from making outdoor activities more challenging to impacting driving conditions on highways. It’s a good idea to secure outdoor items and be prepared for breezy conditions, especially during the spring and fall.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Finding and applying for low-income senior housing can feel like a daunting task, but it doesn’t have to be. There are various low-income senior housing options available through both government programs and the private market. This ApartmentGuide article will guide you on how to find these housing options, the qualifications needed, how to apply, and the different types of housing available for low-income seniors.
Whether you’re retiring in a downsized house for rent in Scottsdale, AZ, exploring senior living apartments in Naples, FL, or considering smaller rental communities in Asheville, NC, we’ll help you navigate the process.
What is low-income senior housing?
Low-income senior housing is a type of housing specifically designed to be affordable for seniors who have limited financial resources. These housing options are often subsidized by government programs, which helps to reduce rent costs to levels that are manageable based on a tenant’s income. Eligibility for low-income senior housing typically depends on both age (usually 62 or older) and income level, with specific income limits varying by location and program.
Types of low-income senior housing options
There are several types of low-income senior housing options available, each offering different levels of affordability and services:
Public housing
Managed by local housing authorities, public housing can provide rental assistance for eligible low-income seniors. Rent is typically set at 30% of the tenant’s adjusted gross income, making it an affordable option for those with very limited means.
Section 8 housing
This federal program, also known as the Housing Choice Voucher Program, helps low-income seniors afford private rental housing by subsidizing a portion of their rent. Seniors with Section 8 vouchers can choose their housing from the private market, as long as the landlord accepts the voucher and the rent meets the program’s limits.
Senior apartments with income-based rent
Senior living apartments based on income are apartment communities specifically for seniors, where rent is calculated based on income. These apartments often include senior-friendly amenities and services, creating a supportive living environment. Eligibility criteria and rent calculations vary, so it’s important to research each option.
Benefits of low-income senior housing
Low-income senior housing offers several benefits:
Affordable rent: The primary benefit of low-income senior housing is the reduced cost, which can make it easier for seniors on fixed incomes to manage their finances without sacrificing other essentials like healthcare or groceries.
Access to senior-specific amenities: Many low-income senior housing communities offer amenities tailored to older adults, such as on-site healthcare services, recreational activities, and transportation options.
Community environment: These housing options often foster a sense of community among residents, providing opportunities for social interaction and support from neighbors who are in similar stages of life.
Safety and security: These housing options often provide enhanced security features, such as emergency call systems, secure entrances, and regular wellness checks, giving residents and their families peace of mind.
Independence: These housing options allow seniors to maintain a level of independence while still receiving support when needed.
How to find low-income senior housing
When beginning your search for low-income senior housing, it’s essential to know where to look. Here are some key resources to help you get started:
Government housing websites: Websites like the U.S. Department of Housing and Urban Development (HUD) provide valuable information on low-income housing options and eligibility requirements, including Section 202 Supportive Housing for the Elderly, which is specifically designed for low-income seniors.
Local housing authorities: Your local or state housing authority can be a valuable resource for finding low-income senior housing. They manage public housing programs and often have information on other affordable housing options in your community.
Non-profit organizations: Many non-profits focus on providing housing assistance to seniors. Organizations like the National Council on Aging (NCOA) or local community groups can offer guidance and support in finding suitable housing. Also, AARP’s website has resources and articles discussing low-income senior housing options, including subsidized housing programs like Section 8 and public housing.
Online apartment search tools: Websites dedicated to apartment searches often have filters that allow you to search specifically for low-income or senior housing in a location of your choice. These tools can help you compare options and find available units that meet your needs.
Research and compare your housing options
Once you’ve identified potential housing options, the next step is to research and compare them:
Check for availability: Contact each housing option to verify availability, as waitlists are common in low-income senior housing. Understanding current availability will help you manage expectations and plan accordingly.
Understand the application process: Each housing option may have a different application process. Take the time to understand what documentation is required, deadlines, and any fees associated with applying.
Visit potential housing communities: If possible, visit the housing communities you’re interested in. This will give you a better sense of the living environment, amenities, and the community atmosphere, helping you make an informed decision.
What to consider when choosing a location
Choosing the right location is crucial for your comfort and well-being. Consider the following factors:
Proximity to family, healthcare, and essential services: Being close to loved ones can provide emotional support and practical assistance. Access to healthcare facilities and essential services like grocery stores and pharmacies is also important.
The neighborhood environment: Evaluate your potential neighborhood and the overall environment. Also think about what amenities are important to you, such as parks, libraries, community centers, or places of worship. Being close to these resources can enhance your daily life and provide opportunities for social interaction and recreation.
Availability of transportation: Consider the availability of public transportation or other reliable transit options. This can be especially important if you don’t drive or prefer not to rely on personal vehicles.
Cost of living: While the housing itself may be affordable, consider the overall cost of living in the area, including groceries, utilities, and other necessities. Some areas may be more expensive than others, which could impact your budget.
Availability of support services: If you anticipate needing additional support, such as home care or meal delivery services, check whether these are readily available in the area. Some locations may offer more comprehensive support services than others.
How to apply for low-income senior housing
Preparing your application
Getting ready to apply for low-income senior housing requires careful preparation. Here’s how to ensure you’re fully prepared:
Gather necessary documentation: Collect all required documents, such as proof of income (e.g., Social Security statements, pension information), identification (driver’s license, birth certificate), and any other documentation specified by the housing provider. Having these ready in advance will streamline the application process.
Understanding the application requirements: Each housing option may have specific requirements. Carefully review the application instructions to ensure you meet all the criteria, such as income limits and age requirements. If you’re unsure about any part of the application, reach out to the housing provider for clarification.
Navigating the application process
Once you’ve prepared your documents and understood the requirements, it’s time to actually apply:
Fill out the application form: Complete the application form thoroughly and accurately. Pay close attention to detail, as errors or omissions can delay processing or result in a rejected application.
Submit additional documents as needed: In addition to the application form, you may need to submit extra documents, such as bank statements or medical records. Ensure all additional paperwork is included and correctly labeled.
Follow up on your application status: After submitting your application, it’s important to follow up with the housing provider to check the status. Regular follow-ups demonstrate your interest and can help keep your application moving through the process.
What to do if you’re put on the waitlist
It’s common to be placed on a waitlist for low-income senior housing. Here’s how to handle that situation:
How waitlists work: Waitlists are often based on a first-come, first-served basis, but some housing providers may prioritize certain applicants, such as those with urgent needs. Understanding how the waitlist operates for the specific housing you’re applying to can help you manage expectations.
Tips for managing wait times and exploring alternative options: While on the waitlist, continue exploring other housing options. Applying to multiple locations can increase your chances of securing a place sooner. Additionally, keep in touch with the housing provider to stay informed about your position on the waitlist and any changes.
4 tips to improve your chances of approval
To enhance your chances of securing low-income senior housing, consider these strategies:
Ensure all paperwork is complete and accurate: Before submitting your application, review all paperwork to ensure accuracy and completeness. Simple mistakes can lead to delays or disqualification, so it’s crucial to be thorough.
Get recommendations and references: Secure letters from previous landlords or community leaders. Strong references can bolster your application. Ask previous landlords, community leaders, or social workers to provide a letter of recommendation that speaks to your reliability as a tenant.
Be proactive and persistent: Follow up regularly with housing authorities. Demonstrating your commitment by checking in with housing authorities or landlords can keep your application top of mind. Persistence can sometimes make the difference in a competitive housing market.
Consider applying to multiple housing options: Expand your search to increase your chances of finding a place. Don’t limit yourself to one or two options. Apply to multiple low-income senior housing communities to broaden your opportunities. The more places you apply to, the better your chances of finding a suitable home.
The information contained in this article does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional financial or legal advice as they may deem it necessary.
If you want to earn extra money from home, did you know you can get paid to type? There are websites and companies that pay people to do typing jobs like transcription, data entry, and captioning. These jobs are great for anyone who likes to type and wants a flexible schedule. Whether you type quickly…
If you want to earn extra money from home, did you know you can get paid to type? There are websites and companies that pay people to do typing jobs like transcription, data entry, and captioning. These jobs are great for anyone who likes to type and wants a flexible schedule.
Whether you type quickly or just want to use your typing skills, there are opportunities for you. By checking out different websites that have typing jobs, you can find something that matches your skills and what you like to do.
Plus, since remote work is becoming more common, you can do these typing jobs from home, giving you the freedom to work when and how you want.
I have personally been getting paid to type for over 10 years now, and I think it’s one of the best ways to make an income (especially if you want a job where you work alone) – I get to work from home, I have no commute, I have a flexible schedule, and I love what I do!
Best Sites That Will Pay You To Type
Below are several sites that will pay you to type from home.
1. Amazon Mechanical Turk
Amazon Mechanical Turk (MTurk) lets you earn money by doing simple online tasks. You can sign up as a worker and pick tasks, known as Human Intelligence Tasks (HITs).
Tasks vary, and you may be able to find jobs related to transcription, writing, market research, labeling pictures, collecting data, and more.
You can search through many available tasks and choose the ones you like the most. Once you complete a task, your work gets reviewed. If it’s approved, you get paid. The pay for most tasks is small, usually between $5 and $10 per hour.
MTurk is flexible. You can work as much or as little as you want, so it’s a good option if you want to work from home or need a side hustle and you are wanting to find online typing jobs. Plus, you can work from anywhere with an internet connection.
2. TranscribeMe
TranscribeMe is a great option if you want to earn money typing with transcription work. It allows you to work from home and on your own schedule.
You don’t need experience to start with TranscribeMe. Anyone can join and start making money.
TranscribeMe pays about $15 to $22 per audio hour, and the average person makes around $250 a month on this site.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
3. Rev
Rev is a popular website where you can get paid to type. You can work as a transcriptionist, captioner, or translator. It’s a flexible job that lets you work from home.
To start, you’ll need good English skills, a computer, and a reliable Internet connection.
The average person on Rev makes around $156 per month.
4. Upwork
Upwork is a good platform if you want to get paid for typing. This site connects freelancers with clients looking for different services, including typing jobs. You can find data entry, transcription, and even writing gigs on Upwork.
To get started, you’ll need to create a profile where you mention your typing skills, experience, and any relevant qualifications.
Applying for jobs on Upwork is easy. You just browse through the open jobs and submit proposals for the ones you are interested in (and make sure your proposals are personalized and highlight why you’re the best fit for the job).
5. Fiverr
Fiverr is a popular freelance marketplace where you can get paid to type by listing your services.
The services you provide can include data entry, transcription, freelance writing, and more – you get to decide.
You set your rates and wait for clients to hire you. The better your profile, the more likely you are to attract clients. Many freelancers start with lower rates to build up their reviews.
6. Babbletype
Babbletype is a company that hires freelancers for transcription and translation services.
You can work with Babbletype as a transcriptionist if you have strong language skills and can listen carefully. They are very selective in hiring, so you need to be good at what you do.
7. Clickworker
Clickworker is a great way to earn money by typing. You can do small tasks called microjobs. These tasks can be writing, translating, or data entry. You set your own hours and work from any computer with internet.
8. Microworkers
Microworkers is a platform where you can make money by doing small online tasks, such as typing jobs to data entry.
Signing up is easy and free, and once you register, you can choose from a list of tasks.
The tasks on Microworkers are usually quick to complete. You might find listings where you write short articles, fill out forms, or do some data entry. Most tasks pay a few cents to a few dollars.
9. FlexJobs
FlexJobs is a site for finding remote typing jobs. You can find many different typing gigs, from data entry to transcription. It’s good if you want to work from home and have good typing skills.
One cool thing about FlexJobs is that they screen their job listings. This means you only see legitimate opportunities. They do charge a subscription fee, but many users find it’s worth it for the quality of jobs.
10. GoTranscript
GoTranscript is a way to get paid for typing skills. This platform needs to fill online transcription jobs, where you listen to audio recordings and type them out.
You can earn around 84 cents per audio minute when freelancing on this site, and some top earners can make around $1,000 per month.
11. CastingWords
CastingWords is a popular platform where you can get paid to type. It’s a transcription service that lets you work from home and all you need is a computer and internet connection.
The pay varies depending on the quality of your work. You can earn between 8 cents and a bit over $1 per audio minute. Your grade determines how much you get paid.
12. Freelancer
Freelancer is a website where you can sign up and create a profile that displays your typing skills and the types of jobs you are looking for.
Clients can then browse profiles and find a freelancer for the job that they need done.
13. Scribie
Scribie is a platform where you can earn money by transcribing audio files. It’s perfect if you want flexible work that fits your schedule as you can choose when to work and which files to transcribe.
At Scribie, you’ll listen to audio recordings and type what you hear. This might include phone calls, interviews, or podcasts. Your earnings range from $5 to $20 per audio hour.
14. Hollywood Transcriptions
Hollywood Transcriptions is looking to hire for transcription work, captioning, and translation. They are looking for people who can type at least 65 words per minute and have excellent spelling and grammar skills.
To freelance for this company, you just need a computer, a foot pedal, and high-speed internet.
Best Jobs That Will Pay You To Type
Typing jobs can be a great way to earn money from home. In the previous section, we talked about the best sites where you can find typing jobs. Below, I want to talk about jobs where you can get paid to type.
Here are some popular options to get paid to type.
15. Start a blog
Starting a blog can be a fun way to make money by typing. You can write about anything you enjoy. Some people write about travel, food, or their hobbies.
I am a full-time blogger and I spend most of my day typing. I type blog posts (like this one that you are reading right now), I type emails, I type so that I can research, and more.
I created Making Sense of Cents in 2011, and since then I have earned over $5,000,000 with my blog. And, the majority of the work that I do is typing!
You can learn more at How To Start A Blog FREE Course.
16. Proofreader
Proofreaders check for grammar, spelling, and punctuation errors in writing such as books, articles, blogs, advertising copy, and more.
Proofreading can be a flexible side hustle or even a full-time job. You can work from home, set your own schedule, and choose the projects you want to work on. Plus, if you love reading and spotting errors, it might be a job you actually enjoy!
The demand for proofreaders is high because so much content is created every day. Many companies and writers need their work to be polished and error-free.
I have a wonderful proofreader for my blog (yes, Making Sense of Cents!). Even though I type all day long, I make plenty of mistakes and my proofreader helps to improve the quality of my content.
You can learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
17. Transcription
As you probably noticed earlier in this article, a lot of the sites that will pay you to type are transcription sites.
Transcription involves listening to audio or video files and typing out what you hear. Being a transcriptionist can be a good job if you’re looking for flexible work because you can set your own hours and work from home.
Transcriptionists can make around $10 to $20 per hour.
There are different types of transcription jobs: general, medical, and legal. General transcription usually pays less but is easier to get into. Medical and legal transcription may require special training but usually pays a little more.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
18. Review books
Book reviewers can get paid to type at home by writing reviews for books they’ve read.
There are websites that will pay you to review books, and the payment varies by site. But usually, you get paid in cash through PayPal or bank transfer, or you might get a free book for your review.
Here are some book review sites to start with:
Kirkus Media is one place where you can get paid to review books. They review books in many genres and pay for honest reviews.
Reedsy Discovery is a site where you can review books before they are published. Authors pay for these reviews, and you get a tip from readers who appreciate your work.
Online Book Club also pays for book reviews. You start by receiving a free book, and after that, you get paid for each review.
BookBrowse focuses on genres like young adult, nonfiction, and graphic novels.
UpWork is another way to find book review gigs. Here, you can set your rates and find clients who need reviews.
You can learn more at 16 Best Ways To Get Paid To Read Books.
19. Virtual assistant
Virtual assistants (VAs) work from their home and can do many tasks by typing.
They manage social media accounts, edit content, schedule appointments, or handle email management. The tasks they do depend on what the client needs.
Virtual assistants can earn a good income. Starting pay is usually around $15 to $20 per hour, but some experienced VAs can make much more. Full-time VAs with steady clients can even earn over $10,000 a month.
I was a virtual assistant for several years, and I now have a virtual assistant who works for me. Almost everything is done online, and through typing!
You can learn more at Best Ways To Find Virtual Assistant Jobs.
20. Data entry
Data entry workers enter data into a computer system. This could include typing information from forms, updating databases, and organizing data.
One of the best parts is the flexibility. You can often find part-time, full-time, or freelance positions.
You can learn more at 15 Places To Find Data Entry Jobs From Home.
21. Freelance writing
Freelance writing is a good job to look into if you want to make money typing.
Freelance writers make money by writing articles, blog posts, and more for different clients. They can pick when they want to work and can work from anywhere.
I have been a freelance writer for years, and I really enjoy this way to make an income. It’s also great if you’re an introvert, as you can do everything right from a laptop and never have to speak to anyone (other than over email).
You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).
22. Translation
Translation jobs let you earn money by converting written text from one language to another. This is great if you are bilingual or even multilingual.
You can find translation work online, and there are many companies and agencies looking for freelance translators.
Translators usually handle documents, websites, and sometimes even books.
23. Online survey taker
If you’re looking to make some extra money from home, becoming an online survey taker could be a good option. Companies pay for your opinions about their products or services, and this info helps them improve.
Surveys are almost always done online, and you are either answering multiple choice questions or typing in quick answers that are about your life (such as, what is the last store you shopped at?).
To get started, you can sign up for multiple survey sites. Popular ones include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
IncomeFindr
User Interviews
Some surveys pay just a few cents, while others can pay up to $20 or more, depending on the complexity (they are usually very easy to answer) and length (some may take 2 minutes to answer and others may be 30 minutes).
You can learn more at 20 Best Paid Survey Sites To Make $100+ Per Month.
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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
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Once you complete five surveys, you’ve earned $5, which you can cash out using the payout options offered by the site (such as PayPal cash and free Amazon gift cards).
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Prime Opinion is a survey website that helps people to earn extra money by sharing their opinions at home. It’s a simple survey site to use: you share your thoughts, and they pay you for them.
Frequently Asked Questions
Below are answers to common questions you may have about how to get paid to type.
Can I make money by typing? Are there real online typing jobs?
Yes, you can make money by typing. There are many websites and companies that will pay you to type documents, transcribe audio files, or even enter data.
What does a typist do?
A typist is someone who types up documents, letters, reports, and other written materials for different clients or businesses. They might work from handwritten notes, audio recordings, or data that needs to be typed into a computer.
What are some legit online typing jobs?
Some legitimate online typing jobs include transcription, data entry, freelance writing, and translating.
How much does a fast typer get paid?
A person with a fast typing speed can earn anywhere from $10 to $30+ per hour, depending on the job. For example, transcription jobs might pay between $5 to $20 per audio hour. But a freelance writer can easily make $50 or more per hour.
Can I make money by typing on my phone?
Yes, you can make money by typing on your phone. Some apps and websites allow you to complete typing tasks directly from your mobile device for extra cash.
Can you get paid to type handwritten documents?
You can get paid to type handwritten documents by converting them into digital format. Clients sometimes need these types of jobs done and will ask for help on freelancing sites like Upwork and Fiverr.
Are there any ways for students to make money by typing?
Students can make money typing by doing transcription, data entry, or other typing jobs. Websites like Rev.com, TranscribeMe, and even freelance platforms like Fiverr can be great starting points.
How To Get Paid To Type – Summary
I hope you enjoyed this article on how to get paid to type.
Getting paid to type is a great way to earn extra money, whether you want a side job or a flexible work-from-home option. There are lots of opportunities, like transcription, data entry, freelance writing, and virtual assistant work.
With so many websites listing typing jobs, you can easily find something that matches your skills and schedule.
I have been getting paid to type for years and I really like it – you may too!
What do you think is the best way to get paid to type?
Mesa, Arizona, often referred to as a desert oasis, is a city full of possibilities. With its scenic desert landscapes, vibrant local culture, and close-knit neighborhoods, it’s easy to see why so many people are drawn to making Mesa their home. However, life in this Southwestern city comes with its own set of challenges. So whether you’re searching for a cozy apartment near Downtown Mesa or a spacious apartment in Dobson Ranch, you’ve come to the right place.
In this ApartmentGuide article, we’ll explore the various pros and cons of living in Mesa, helping you decide if this sun-soaked city is the right place for you.
Fast facts about living in Mesa
What Mesa is known for: Mesa is famous for its desert landscapes, Native American history, and as a hub for aerospace and technology
Fun fact: Mesa is home to the world’s largest relief sculpture, the 14-story “Monument to the San Pedro y San Pablo” at the Mesa Arizona Temple
Population: Over 500,000 residents in Mesa proper; over 4.5 million in the Phoenix metro area
Average rent: $1,385 per month for a one-bedroom apartment
Median home sale price: $477,000
Days of sunshine: Approximately 301 days per year
Public parks: More than 200 parks within the city
Average summer high temperature: 106°F (41°C)
Major industries: Aerospace, healthcare, education, and technology
1. Pro: Warm climate and abundant sunshine
One of the biggest draws of Mesa is its warm climate. With over 300 days of sunshine each year, residents can enjoy outdoor activities almost year-round. Whether you’re into hiking, golfing, or simply lounging by the pool, the sunny weather makes it easy to stay active and enjoy the natural beauty of the desert landscape. However, it’s important to note that summer temperatures can be extreme, often exceeding 100°F, which may take some getting used to for those unaccustomed to the heat.
2. Con: High summer temperatures
While the warm weather is a major advantage, the intense summer heat can be a significant drawback for some residents. During the peak summer months, temperatures in Mesa regularly soar above 100°F, sometimes reaching as high as 115°F. This extreme heat can make outdoor activities challenging and increase energy costs due to the need for constant air conditioning. For those who prefer milder climates, Mesa’s hot summers may be a dealbreaker.
3. Pro: Affordable cost of living
Mesa offers a relatively affordable cost of living compared to other major cities in the United States. Housing costs are particularly reasonable, with the median sale price for a home in Mesa around $477,000 and average rent for a one-bedroom apartment in Mesa at $1,385 per month. While overall living expenses are slightly above the national average, Mesa remains more affordable than other cities in the Phoenix metropolitan area, making it an attractive option for those looking to balance quality of life with affordability.
4. Con: Limited public transportation options
Mesa’s public transportation system, operated by Valley Metro, covers much of the metro area but lacks the frequency and coverage found in more urbanized cities. Many residents find it necessary to own a car, particularly if they live in suburban neighborhoods or need to commute to work. While the city is bike-friendly and has some walkable neighborhoods, the limited public transit options can be a drawback for those who prefer not to drive.
Mesa’s transportation scores
Walk score: 38
Transit score: 27
Bike score: 60
5. Pro: Growing job market in key sectors
Mesa has a growing and diverse job market, particularly in sectors such as aerospace, healthcare, education, and technology. The city is home to several major employers, including Boeing, Banner Health, and the Mesa Public Schools district, providing numerous employment opportunities for residents. Additionally, Mesa’s proximity to Phoenix allows residents to access a broader range of job opportunities within the larger metro area.
Top employers in Mesa
Boeing
Banner Health
Mesa Public Schools
Arizona State University Polytechnic Campus
Dexcom
Empire Southwest
6. Con: Urban sprawl
Mesa, like much of the Phoenix metro area, is characterized by urban sprawl. The city’s rapid growth has led to the development of extensive suburban neighborhoods, often resulting in long commutes and increased traffic congestion. The sprawling nature of the city can also make it difficult to access amenities and services without a car, which may be inconvenient for some residents.
7. Pro: Outdoor recreation opportunities
Mesa’s location in the Sonoran Desert provides residents with easy access to a wide range of outdoor activities. The nearby Superstition Mountains offer hiking, rock climbing, and camping opportunities, while the Salt River provides options for kayaking, tubing, and fishing. Additionally, the city’s numerous parks and golf courses make it easy for residents to enjoy the outdoors without leaving town.
Popular outdoor activities in Mesa
Hiking in Usery Mountain Regional Park
Kayaking on the Salt River
Biking on the Maricopa Trail
Exploring the Desert Botanical Garden
Golfing at the Longbow Golf Club
8. Con: Air quality concerns
Mesa, like much of the Phoenix area, can experience poor air quality, particularly during the summer months. The combination of high temperatures, vehicle emissions, and desert dust can contribute to smog and other air quality issues. This can be a concern for residents with respiratory conditions or those sensitive to air pollution, making it important to stay informed about air quality alerts.
9. Pro: Vibrant arts and culture scene
Mesa offers a vibrant arts and culture scene, with numerous museums, theaters, and galleries throughout the city. The Mesa Arts Center, one of the largest arts complexes in the Southwest, offers a variety of performances, exhibitions, and classes for residents of all ages. Additionally, the city hosts several annual events and festivals, celebrating everything from music and dance to food and wine.
10. Con: Traffic congestion
As Mesa continues to grow, traffic congestion has become a more significant issue, particularly during peak commuting hours. The city’s sprawling layout and reliance on cars contribute to increased traffic on major roads and highways. While efforts are being made to improve infrastructure and public transportation, residents may still face delays and longer commute times.
Commute times to popular destinations
Phoenix Sky Harbor International Airport: 30 minutes by car
Downtown Phoenix: 25 minutes by car
Scottsdale: 30 minutes by car
Tempe: 20 minutes by car
Gilbert: 15 minutes by car
11. Pro: Strong educational institutions
Mesa is home to several top-rated educational institutions, including Arizona State University’s Polytechnic Campus and the Mesa Public Schools district. These schools, along with a variety of private and charter schools, provide residents with access to quality education at all levels. The city’s commitment to education is evident in its well-maintained school facilities and community support for academic programs.
12. Con: High sales tax
Arizona has one of the highest sales tax rates in the country, and Mesa residents are subject to these rates. The combined state and local sales tax rate in Mesa is around 8.3%, which can add up, particularly for large purchases. While the state’s lack of an income tax may offset this for some, the high sales tax can still impact the overall cost of living.
13. Pro: Welcoming neighborhoods
Mesa is known for its inviting neighborhoods that offer excellent schools, parks, and community amenities. Areas like Eastmark, Las Sendas, and Dobson Ranch are particularly popular due to their strong sense of community, tree-lined streets, and proximity to quality schools. These neighborhoods provide a welcoming and appealing environment, making Mesa an attractive place to call home.
14. Pro: Access to healthcare facilities
Mesa residents have access to a variety of healthcare facilities, including top hospitals and specialized clinics. The city is home to Banner Desert Medical Center, one of the largest hospitals in Arizona, as well as several urgent care centers and medical offices. This access to quality healthcare is a significant advantage for residents, ensuring they have the resources they need.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
If you or someone you know has been a service member for the United States, then you’ve likely heard of the SCRA. However, you might not know exactly what the SCRA is or how it can help you.
SCRA stands for Servicemembers Civil Relief Act. The SCRA (formerly called the Soldiers’ and Sailors’ Civil Relief Act) was enacted into law in 2003. This law aims to protect military personnel who are on active duty by limiting actions that can be taken against them. It also aims to reduce, postpone or stop any civilian obligations while a person is on active duty.
This law is intended to allow military personnel to focus on their military duties by reducing financial and legal burdens that might otherwise affect them.
What Does the SCRA Cover?
The SCRA is quite extensive in protecting active military personnel and covers many different factors. Some of the most used features include limits on interest rates, foreclosures and more.
Interest Rates
Under the SCRA, creditors must limit the amount of interest for military personnel to six percent per year. This six percent maximum also applies to debts incurred before military service. Any interest that is higher than this maximum must be forgiven by the creditor.
This limited interest rate applies to credit cards, mortgages, business obligations, fees, service charges, annual renewals and loans (like auto, recreational vehicle and home equity loans). However, this rule affects only some student loans.
For mortgages, the reduced rate of six percent will continue for one year after active-duty service ends.
A service member’s interest rate isn’t automatically reduced when they enroll in the military. Instead, the individual needs to reach out to their creditor with a copy of their military active-duty orders and a formal, written request to abide by the six percent interest maximum.
There are some exceptions to the rule. Suppose a creditor appeals the request and the court finds that the service member’s ability to repay isn’t impacted by their active duty. In that case, the service member may have to pay the original interest rate.
Foreclosures and Repossessions
Under the SCRA, service members are protected against default judgments, including foreclosures and repossessions. When a service member doesn’t appear in court because they’re away on active duty, the court cannot issue a judgment.
Foreclosures
If the service member purchased a home before their military service, a lender cannot seize or foreclose on the house. The only exception is if the lender receives a court order for foreclosure.
Some states don’t require a court order to foreclose on a home (nonjudicial foreclosures), but under the SCRA, service members are protected in these states too.
Additionally, a foreclosure postponement extends to one year after military service ends, also known as “tail coverage.”
Repossessions
Lenders cannot repossess property—such as vehicles—for nonpayment or under a contract termination due to payment gaps. This applies to any missed payments during the service member’s military service. The only exception is if the lender receives a court order for repossession.
Income Taxes
If a service member can show that their military service impacts their ability to pay their income taxes, payment the income taxes can be deferred. This rule applies to the IRS, state and local tax authorities. Additionally, the service member can’t be charged any interest or fees for the income tax deferral.
Small Businesses
If a service member owns a small business, creditors cannot come after them for business obligations or debts while the individual is on active duty. The SCRA protects the individual’s military pay and nonbusiness assets from the creditors associated with the small business.
Credit
When a service member asserts their rights under the SCRA, creditors cannot respond by revoking or denying credit or changing the credit terms. For example, if an individual invokes the six percent interest rule, the creditor cannot respond by reducing their credit card limit.
However, individuals should note that if a service member misses a payment, the creditor can report them to credit reporting companies. This late payment may then show up as a negative item on their credit report and may lower their credit score.
Other
Voting
Service members retain the right to vote in their state of residency, even when they’re stationed for active duty in another state or country. They don’t need to change their voter registration and will be able to vote in their state of legal residence.
Civil Judicial Proceedings
Any civil judicial proceedings, including family law proceedings, are postponed under the SCRA. If it is found that a defendant service member has not been able to attend court because they’re on active duty, the court cannot enter a default judgment against them. The service member then has to appoint an attorney to represent their interests as a defendant.
Life Insurance
A life insurance company cannot increase payments or terminate coverage because an individual is on active duty. An exception to this rule is natural premium increases that come as a result of age.
Insurance companies also can’t limit or restrict any type of coverage due to active-duty service.
Who Is Eligible?
The SCRA covers all active-duty military members, including:
Army
Marine Corps
Air Force
Space Force
Coast Guard
Navy
Reserves and National Guard
Commissioned officers in active duty with the Public Health Service or the National Oceanic and Atmospheric Administration
A service member’s eligibility begins the first day of their active-duty service commitment and ends between 30 and 90 days after finishing active duty. For some aspects covered by the SCRA, the SCRA protection can extend up to 180 days post-active duty.
For Reserve and National Guard members, the eligibility for SCRA begins the very day they receive their mobilization orders. Even if Reserve and National Guard members are in unpaid status or not on active duty, the SCRA protections apply.
SCRA protections can apply to the spouses and children of service members or to other individuals who relied on the service member for 50 percent or more of their financial support. This support had to start at least 180 days before using SCRA protections.
Service members who are uncertain about the coverage for themselves or their loved ones can contact the Legal Assistance Office at their base.
Waiving Your Rights
A service member can waive their rights under the SCRA with a written document signed after their military service period starts. Waiving your SCRA rights before entering military service makes the action void.
While you can waive your SCRA rights, it’s generally not recommended to do so. Make sure you consult an attorney before proceeding with this action, and read the documents carefully before signing.
How to Take Advantage of the SCRA
The majority of your rights under the SCRA require you to take some form of action before protection takes effect. Tax authorities, lenders and courts often don’t know that a person is on active duty. To take full advantage of the SCRA, you should first understand all the benefits and your rights.
For example, to get a refund on certain interest and fees you have to actively request relief by submitting paperwork so they can verify your active-duty military status, but it’s well worth the effort.
In general, when you’re applying for SCRA benefits, you’ll need to provide the following information:
Account number
Start date of the active-duty service
Request for relief in accordance with the SCRA
Copy of active-duty orders
Certain companies may give you additional SCRA benefits on top of everything else. One large bank offers active-duty personnel interest rates that are two percent lower than what the SCRA requires Many other creditors or financial institutions also offer additional benefits.
By understanding your SCRA benefits, you can set yourself up to take full advantage of everything being offered to you. This can help you significantly when you return from active duty.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Bilt Rewards, a loyalty program that offers a way to earn rewards on rent, announced a new partnership with Walgreens that’ll make it easier to use a flexible savings account (FSA) or health savings account (HSA) for eligible purchases at the pharmacy chain. You can also earn extra Bilt points when you shop at Walgreens. These new benefits are already live in the updated version of the Bilt app.
When you link your Bilt account with an FSA or HSA card, Bilt can automatically detect eligible FSA or HSA purchases at Walgreens on your other linked credit and debit cards. Through the Bilt app, you can choose to apply your FSA or HSA funds to eligible purchases, and Bilt will credit your original form of payment. You’ll also earn Bilt points for spending at Walgreens with any card linked to your Bilt account.
This partnership presents an easy way to automate applicable health care benefits and earn additional Bilt points.
How Bilt’s FSA/HSA benefit works
Bilt’s new health care benefit essentially helps people save money by using the money they’ve set aside for health care expenses in an FSA or HSA. These savings accounts can be difficult to use because people might not be aware of which purchases qualify or they forget their FSA card at the pharmacy.
In a news release announcing the Walgreens partnership, Bilt says the new feature addresses the “approximately $4 billion in FSA dollars lost annually due to non-use.” It’s also the first time this benefit has been available at a major pharmacy chain, according to Bilt.
So how does it work? First, you’ll have to link your FSA/HSA card and the debit or credit card you use for drugstore purchases. When you shop at Walgreens using any debit or credit linked to your Bilt account, Bilt will identify which items are eligible for FSA or HSA reimbursement and offer to apply benefits with a single click.
Bilt says this “eliminates the need to carry separate FSA or HSA cards and removes the guesswork in identifying eligible items.” Bilt also does not sell member data, so your health care purchases will remain private.
Earning Bilt points at Walgreens
You don’t have to link your FSA or HSA card to benefit from the Walgreens partnership. If you have any credit or debit card to your Bilt Rewards account and shop at Walgreens, you’ll earn:
1 Bilt Rewards points per $1 spent on all Walgreens purchases.
2 Bilt Rewards points per $1 spent on Walgreens-branded items.
100 Bilt points on prescription refills (subject to exclusions).
🤓Nerdy Tip
Check your Bilt app and turn the toggle on to enable rewards on prescriptions.
You could earn even more Bilt points by using the Bilt World Elite Mastercard® Credit Card, for an additional 1 Bilt point per $1 spent on the card, but other cards can earn more points on drugstore purchases. The card must be used five times per statement period to earn points on rent and qualifying net purchases (purchases minus returns/credits) for that statement period.
Credit cards for drugstore purchases
Because you’ll earn Bilt Rewards for spending at Walgreens with any linked debit or credit card, you could use a card that earns bonus rewards at drugstores and stack them with Bilt Rewards.
How the cards compare
Chase Freedom Flex®
on Chase’s website
Chase Freedom Unlimited®
on Chase’s website
Bank of America® Customized Cash Rewards credit card
on Bank of America’s website
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Drugstore rewards
Earn 3x Chase Ultimate Rewards® on drugstore purchases.
Earn 3x Chase Ultimate Rewards® on drugstore purchases.
Choose your own 3% cash back category, including drugstores, gas, online shopping, dining, travel and home improvement and furnishings.
Earn 3 points per $1 spent on mobile wallet spending through Apple Pay, Google Pay and Samsung Pay. Walgreens accepts Apple Pay and Google Pay at most stores.
Still not sure?
Bilt Rewards transfer to several airline and hotel partners, including Alaska Airlines Mileage Plan and World of Hyatt, making it a great way to earn transferable points that you can redeem for travel. Bilt Rewards is free to join, and you don’t need to be a Bilt cardholder to earn rewards. If you do any spending at Walgreens, Bilt’s new partnership with the drugstore is an easy and free way to earn extra points on your purchases.