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Inside: Working mothers face many challenges when balancing work and family life. This guide offers the best jobs for moms. Find out how to maximize your career opportunities while raising children.

Moms often feel like they can’t have a successful career and be a good moms at the same time.

I completely feel that way too. I struggled to be a stay-at-home mom when my kids were little because I wanted to help out financially to help pay down debt. It took me a few years, but I soon realized there are great ways to make a mom and be a great mom!

I have uncovered plenty of jobs for moms with no degree that offers flexible hours, good pay, and satisfying work.

The best jobs for moms with no degree are ones that offer flexibility, good pay, and room for growth.

It can be tough to balance family and career, but it is possible to find a job that fits your lifestyle.

Here are the best jobs for moms with no degree or with a degree.

What jobs are good as a mom?

As a mom, finding a job that allows for flexibility and growth can be challenging, especially if you don’t have a college degree.

However, there are still plenty of opportunities out there that can help you balance your family and career.

Most importantly, you need to find a job that you LOVE! An environment that you thrive in!

With flexible schedules, remote work options, and potential for growth, these jobs can provide the stability and income moms need while still being able to prioritize their families.

Whether you’re looking for a part-time job or a full-time career, there are plenty of opportunities out there for moms.

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Are you passionate about words and reading? 

If so, proofreading could be a perfect fit for you, just like it’s been for countless of readers! Learn how you can create a freelance business as a proofreader.

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What are the best careers for current stay-at-home moms?

Stay-at-home moms face the challenge of balancing their family responsibilities with the desire to pursue a career.

With the high cost of child care, you need to find a job that allows you to take your kids or one that offers flexibility to work around your kid’s schedules.

Hello- that is me! I am a blogger and day trader when I’m not taxing my kids around.

Your best bet is to check out how to make money online for beginners. That is where you will find the most job options that can be done from home or offer flexible schedules, making it possible to have the best of both worlds.

What are the best careers for former stay-at-home moms?

Returning to the workforce after being a stay-at-home mom can be a daunting task, but there are many careers that are best suited for moms.

You still want careers that offer flexibility, high earning potential, and a good work-life balance.

You need to consider your previous employment, any education or certificates you hold, or skills and/or interests.

As such, the answer will vary for each person reading this post. So, consider any one of these past ideas.

Best Jobs for Moms

There are plenty of great jobs for working moms.

The key is to find a position that offers the right mix of income, hours, and flexibility.

Preferably, you want a low-stress job that pays well without a degree.

Here are jobs to consider if you’re a working mom with no degree.

1. Web developer

Web development is a highly flexible and lucrative career option that is ideal for working moms who may not have a college degree. With the ability to work remotely or part-time, web development is a perfect fit for moms who need a flexible schedule.

This field is rapidly growing and in high demand, making it an excellent choice for those looking for a career change.

To become a successful web developer, proficiency in programming languages like HTML, CSS, and JavaScript is essential. Additionally, knowledge of website design and development tools is crucial to create visually appealing and functional websites.

The skills required for web development can be learned through online courses or boot camps, making it accessible to anyone with an interest in technology and design.

Benefits:

  • Many web developers work from home or have flexible schedules, making it easier for moms to balance work and family life.
  • The demand for web developers is expected to grow, making it a stable and secure career option.
  • Web development is a field that allows for creativity and self-expression.

Pay: The salary for a web developer varies greatly on experience, but it is possible to make six figures.

2. Customer Service Representative

Customer service representative is an excellent career option for working moms who do not hold a college degree.

As a customer service representative, you will be the primary point of contact between customers and the organization, providing information about products and services, taking orders, responding to customer complaints, and processing returns.

You can work from home part-time or full-time, and many times the work takes place remotely. To succeed in this role, you will need to have strong communication and negotiation skills, patience, and the ability to multitask.

Benefits:

  • The work environment is flexible, and you can work from the comfort of your home.
  • Job offers great work-life balance and schedule options, making it an ideal choice for working moms.

Pay: As a customer service representative, you can expect to make from minimum wage to $20 an hour.

3. Proofreader

Being a proofreader can be a rewarding and fulfilling career for individuals who have a way with words and a keen eye for grammar. As a proofreader, your primary responsibility would be to review and correct spelling, grammar, and punctuation errors in various types of written content, such as books, websites, and social media posts.

Moreover, the earning potential as a proofreader can be quite lucrative. For instance, Caitlin Pyle, a successful proofreader, made $43,000 in one year working part-time.

To get started as a proofreader, it is important to develop the necessary skills. You can start by attending a free introductory workshop or enrolling in a course that teaches the skills needed to become a freelance proofreader.

Benefits:

  • Great flexibility as you work on a project basis.
  • The significant earning potential in the field of proofreading, especially for those who are dedicated and skilled in their craft.
  • Rewarding career path for individuals with a passion for language and a meticulous eye for detail.

Pay: In terms of salary, the median pay for a proofreader ranges from $15.22 to $26 an hour, depending on experience and the project you are working on. Many other proofreaders earn between $1,000 to $4,000 per month.

4. Flight Attendant

A flight attendant is a career that does not require a college degree but extensive training and certification. It is an ideal job for working moms due to its non-traditional scheduling that allows them to work part-time, take extended periods off, and get out of the house.

Flight attendants can take on trips when they know they have child care covered, and stay at home for days at a time.

Benefits:

  • Enjoy the perks of travel.
  • Flexible schedules.
  • Great health benefits.

Pay: The pay ranges by airline, but the median salary is $65000 per year.

5. Blogger

For moms who are looking for a flexible work-from-home job that doesn’t require a degree, becoming a blogger could be the perfect fit.

With the rise of the internet, there is an increasing demand for content writers and bloggers. These jobs allow you to work from home, set your own schedule, and choose the topics you want to write about. Additionally, these jobs don’t require a degree, making them accessible to anyone who has a passion for writing and a way with words.

Blogging is another option for those who want to write about specific topics they are passionate about and share their insights with others.

Benefits:

  • Be your own boss.
  • Flexibility blogging offers – work as much or as little as you want.
  • Work from home.
  • Choose the topics you want to write about.

Pay: As a blogger, you are creating passive income through ads, affiliating marketing, and paid sponsorships.

6. Engineer

Returning to work as a mom can be a challenging transition, but leveraging your engineering degree can open up a range of opportunities for you. With your technical skills and problem-solving abilities, there are several career paths that can offer a healthy work-life balance and flexibility to accommodate your family responsibilities.

Here are ways to utilize your degree and still have the flexibility you crave:

  • Pursue freelance work in your field. As a freelance engineer, you have the freedom to determine your own schedule and take on projects that align with your interests and availability. Platforms like Upwork provide a space for engineers to connect with clients and offer their services on a project basis. This allows you to work on engineering projects from the comfort of your own home, giving you the flexibility to balance work and family life.
  • Explore part-time or remote positions with engineering firms or companies that value work-life balance. Many engineering firms recognize the importance of accommodating working parents and offer flexible work arrangements. With your engineering background, you can contribute to projects and collaborate with teams remotely, allowing you to work from home and adjust your schedule to meet the needs of your family.
  • Pursue a career in technical writing or content creation. Many companies and organizations require technical documentation, manuals, and instructional materials to accompany their products or services. With your engineering background, you can leverage your expertise to create clear and concise technical content.
  • Work as an engineering consultant. As a consultant, you can offer your specialized knowledge and expertise to clients on a project basis. Consulting also provides the opportunity to work remotely or have a flexible work arrangement, making it an ideal option for moms returning to work.

By expanding your knowledge and skill set, you can position yourself for more opportunities and increase your marketability in the engineering field.

Benefits:

  • This can be done on a freelance basis or as a remote employee, allowing you to work from home and have more control over your schedule.
  • Take on projects that align with your skills and interests.
  • Have a fulfilling career that allows you to balance work and motherhood successfully.

Pay: Additionally, engineering offers high earning potential, which can help support a family and provide financial stability. Most engineers earn over $100000 a year.

7. Virtual Assistant

For working moms with no degree, finding a job that balances well with their family life can be a challenge. However, virtual assistant jobs can be the perfect solution.

As a virtual assistant with no experience, you can work from home, set your own schedule, and earn a good income.

A virtual assistant provides administrative support remotely, handling tasks such as email and social media management, scheduling appointments, data collection, customer service, and event planning. The skills required for this job include strong multi-tasking, organizational, and time-management skills, as well as basic computer skills.

Here is a virtual assistant checklist to see if you would enjoy this job possibility.

Benefits:

  • Be the boss of your own schedule.
  • Build your own small business if you desire.
  • Earn significant income

Pay: Most virtual assistants can earn $21 an hour or more pending experience.

8. Teacher

Teaching can be an excellent option for moms who want to work in a field that values education and have the same schedule as their kids.

Plus you can take on one of these summer jobs for teachers to extra cash.

Another option is to become a teacher’s aide that assists teachers in the classroom, helping with tasks such as grading papers, supervising students, and preparing materials. To become a teacher’s aide, you need to have a high school diploma or GED.

Benefits:

  • Same work hours as your children.
  • Work in a field that values empathy and care for children, while also providing financial stability and work-life balance.
  • Most teacher retirement plans are well worth working your full 30 years for that ongoing income post-retirement.

Pay: Unfortunately, teachers are one of the lowest paid salaries for the fantastic work they do. Find out if teachers get paid in the summer.

9. Substitute teacher

Substitute teaching can be an excellent job option for working moms who don’t have a degree. It offers flexibility, a chance to get teaching experience, and a decent daily rate of pay.

A substitute teacher fills in for full-time teachers when they are absent.

This experience can be helpful if you decide to pursue a permanent teaching position in the future.

Benefits:

  • Allows you to work when your schedule permits. You can note your availability and work as much or as little as you like.
  • Gain teaching experience without committing to a full school year.
  • Rewarding job option for some.

Pay: As of right now, there is a shortage of teachers, so the pay for substitute teachers has increased immensely. Substitute teachers can earn a daily rate ranging from $60 to $200, depending on the school district and the region with most substitutes making $22 an hour or more.

10. Consultant

As a consultant, you can use your prior work or life experience to offer solutions and advice to clients in a wide range of areas, including sales, marketing, operations, and management.

Furthermore, consulting can be an ideal way to transition your prior work or life experience into a new career and shorten the time spent in school, making it a great option.

To become a successful consultant, you need to have strong communication skills, the ability to work independently, and experience in your field to run a successful business.

Benefits:

  • As a consultant, you can enjoy flexible work hours.
  • The potential to work from home.
  • Ability to control your schedule.

Pay: The hourly rate for consultants varies depending on the type of consultant and the industry, with some earning high salaries.

11. Day Trader

Swing or day trading is a popular option for individuals who want to work from home and make a living from the stock market. Day traders buy and sell securities within the same day, aiming to make a profit from small price movements.

This job requires a certain set of skills and investing knowledge, as well as specific equipment and software.

It is possible to make money with stocks fast.

Day trading can be a good option for working moms with no degree because it offers flexibility and the potential for high earnings. Personally, I love trading stocks and options. I learned from Teri Ijeoma.

Benefits:

  • Unlike traditional jobs, day trading allows individuals to work from home and set their own schedules.
  • Successful traders can make a significant amount of money, with some earning six-figure or seven-figure incomes.
  • While a degree is not required for day trading, I highly recommend taking this investing course to jumpstart your learning.

Pay: Widely variable as it depends on your risk. You can lose money or make $1000 a day.

12. Claims adjuster

As a claims adjuster, you will be responsible for investigating insurance claims, negotiating settlements, and collaborating with other professionals such as lawyers and medical experts. To become a claims adjuster, you will need to possess relevant experience, strong communication abilities, and proficiency in data analysis.

The work environment can be fast-paced and stressful, but the potential for career growth and the flexibility to work remotely make this an attractive option for many working moms.

Claims adjusters must also maintain accurate records and documentation of all claims activities.

Benefits:

  • While the work environment can be fast-paced and stressful, the potential for career growth is likely.
  • Flexibility to work remotely make this an attractive option for many working moms.

Pay: Claims adjusters can advance to higher positions within the insurance industry, such as senior claims adjuster or claims manager. Additionally, many claims adjusters work as independent contractors or consultants, providing even more flexibility and potential for career growth.

13. Bookkeeper

As a bookkeeper, one is responsible for monitoring a company’s cash flow by keeping track of transactions and preserving copies of receipts. The job requires great attention to detail, excellent organizational skills, and an ability to analyze and interpret financial data.

This job can be done virtually, making it an excellent position for moms who want to improve their work-life balance.

Bookkeeping does not require a degree and one can earn a decent hourly pay or salary. To become a bookkeeper, one must have bookkeeping skills, which can be learned from online courses.

Benefits:

  • Flexible working hours, allowing them to work whenever suits them.
  • Great for someone who loves analytics.

Pay: Most bookkeepers enjoy relatively high hourly salaries. They can work as independent contractors or be paid as a salaried employee.

14. Nanny

Being a nanny is an excellent option for moms who want to balance work and family life.

As a nanny, you would be responsible for taking care of children, cooking, cleaning, and running errands. The best part about being a nanny is the flexible hours, which allow you to work part-time or full-time while still being present for your family.

Finding a job that allows moms to work while still being present for their families is crucial, and being a nanny provides the perfect solution.

Benefits:

  • Be able to care for your own children at the same time.
  • Find a nanny job that works for your circumstances.
  • Stay young and playful while working with kids!

Pay: The pay varies widely for a nanny, but once you have experience and great references, you can earn good money.

15. Marketing Specialist

Marketing can be an excellent job choice for moms looking for flexibility, potential job growth, and the opportunity to work remotely. With the advancement of digital marketing, moms can now pursue a career in marketing without having to leave their homes or work in a traditional office setting.

As a digital marketer, there are various specializations and skills that can be honed to advance in the field. These include SEO (search engine optimization), web development, content creation, and marketing strategies.

By continuously learning and improving these skills, moms can enhance their professional reputation and open doors to new opportunities within the marketing industry.

Benefits:

  • Ability to work from home.
  • Work flexible work hours that can be adjusted to fit their family’s needs.
  • Digital marketing also offers potential job growth and career development.

Pay: As a marketing specialist, the pay can vary greatly if you work as a freelancer or a bigger corporation.

16. Financial Advisor

Financial advising can be an excellent career path for working moms without a degree, offering flexibility and opportunities for growth.

Honestly, I know many people who have successfully entered the workforce as financial advisors.

The first step towards becoming a financial advisor is to obtain relevant certifications and licenses, such as the Certified Financial Planner (CFP) designation. Once certified, financial advisors can work for a firm or start their own business, providing financial advice to clients.

Pursuing a career as a financial advisor can offer a good salary and work-life balance, making it a great option for working moms.

Benefits:

  • Help others pursue a life of financial independence.
  • Perfect for someone who loves numbers!

Pay: The pay for a financial advisor varies greatly, but the median salary is $75000 a year.

17. Writer

Becoming a writer can be a great career choice for moms who want to work from home and have a passion for writing. With flexibility, the potential for a decent income, and no degree required, it’s an accessible and rewarding career path.

Highly recommended to take this writing course to jumpstart your networking opportunities.

As a writer, you can work as a content writer, staff writer, or freelance writer.

  • Content writers produce content for websites, such as blogs, news aggregators, and e-commerce sites.
  • Staff writers write articles for publications, such as magazines or newspapers.
  • Freelance writers write for clients without being permanent employees.

What’s more important is having a way with words, strong research skills, and a passion for writing.

Benefits:

  • Flexibility to work on a story when you are able to.
  • For those with a love of English, this is a great way to express yourself.

Pay: While the average hourly rate for writers and bloggers varies, it’s possible to earn a decent income in these fields.

17. Social Media Specialist

As a social media specialist, you will manage social media accounts, create and post content, increase engagement, analyze data, and monitor social media. This role requires skills such as graphic design, writing appealing content, an eye for design, and flexibility.

Moms possess many of these skills naturally, such as multitasking, creativity, and communication. These skills can be applied to social media management, including content creation, scheduling, and community management.

Social media management is also a growing field. As a result, this job can provide moms with a stable income and career growth opportunities while allowing them to prioritize their family life.

Benefits:

  • Great for those who personally love social media.
  • Easy to work anywhere.

Pay: With an average salary of $52000 a year, this job can be done from home, making it a perfect fit for moms.

18. Human resources manager

Work-life balance is crucial for working moms, and a career as a human resources manager can provide just that.

Human resources managers are responsible for managing employee benefits, overseeing hiring processes, and handling employee relations. This job offers flexibility, including the ability to work remotely or part-time.

A career in human resources management can positively impact a working mom’s family life by providing a consistent schedule that doesn’t involve weekends or holidays.

Benefits:

  • HR managers are in high demand in many industries, as every organization requires HR expertise to manage its workforce effectively.
  • Opportunities for personal and professional growth.
  • Make a positive impact on employees’ lives.
  • Ample networking opportunities with employees, upper management, and external stakeholders.

Pay: Human resource managers often receive competitive salaries, with average annual earnings exceeding $120,000.

19. Sell on Printables on Etsy

In recent years, the demand for printable products has grown tremendously, making Etsy a great platform for working moms without a degree to earn a steady income from home.

Printables are digital files that customers can download and print at home, such as wall art, planners, calendars, and invitations.

The best part is that once you create a printable, you can sell it repeatedly without having to invest more time or money.

Check out the list of the most popular printables you can create.

Benefits:

  • A flexible job that allows you to work from home and set your own hours.
  • Earn a steady income from a single printable, which means you can focus on creating new products and growing your business.
  • Able to start s small business.

Pay: This is a passive income. Learn how much these sellers have made.

20. Retail associate

Many moms become retail associates to get a discount from the retailer!

Working in retail can be a rewarding and dynamic career choice. Retail jobs are generally physically demanding, as employees are often on their feet for long periods and may need to lift and move heavy items.

The nature of retail work can also be stressful, especially during busy periods such as holidays or sales events. However, it can also be an opportunity to develop and utilize various skills, particularly when interacting with customers.

Benefits:

  • Working part-time hours while your children are at school.
  • Discounts to the retailer you work.
  • Flexible scheduling hours.

Pay: This is a minimum wage job earning $13 an hour to $18 an hour.

21. Nursing

Nursing is a fulfilling career for moms who enjoy taking care of others.

While most nursing positions require a degree, there are also entry-level jobs available for those without a degree. Certified nursing assistant (CNA) and licensed practical nurse (LPN) are two such positions.

Both positions require certification and training, which can be completed in a matter of months. Pursuing a career in nursing as a working mom without a degree offers the flexibility to balance work and family while also providing the opportunity for career advancement.

Benefits:

  • Flexible scheduling around what works best for your family.
  • Ability to work part-time or full-time.
  • Great career option to take fewer hours while your children are little and more hours when they are in school.

Pay: The average hourly rate for nursing varies depending on where you work. Most certified nurses make between $32 an hour to $50 an hour.

22. Transcriber

As a transcriber, you will listen to audio files and create a document that contains an accurate record of what was said. This is one of the best jobs for moms with no degree, as most transcription companies just require you to pass their test before they give you work.

To become a successful transcriber, you will need fast typing skills, attention to detail, and the ability to sit for long periods of time. You may also need to purchase special transcribing equipment, depending on the company you work for. Most transcription jobs will require the ability to type 75 WPM or more.

This is a great non phone work from home job.

With the right skills and tools, you can become a successful transcriber and earn a decent income. So if you are a fast typer with an eye for detail, consider taking a free mini-course to find out if this is the right job for you.

Benefits:

  • Transcription jobs from home are available remotely and work as many hours as you want.
  • Set your own schedule.
  • Make money by meeting deadlines.

Pay: Generally, transcriptionists earn around $19 per hour in the US, but this can be more depending on your employer.

23. Graphic Designer

Graphic design is an excellent job for working moms with no degree, as it allows for significant flexibility in working hours and can be done from home.

As a graphic designer, you will be responsible for creating logos, designing websites, and developing marketing materials such as brochures and flyers. To succeed in this field, you’ll need to be creative, detail-oriented, and able to work with clients to meet their specific needs.

Benefits:

  • Balance their family responsibilities with a fulfilling and rewarding career.
  • Perfect to showcase your creative side.

Pay: With a median annual wage of $48000 per year, graphic design is a lucrative career that offers plenty of room for growth and advancement.

24. Online Coach

Being an online coach is a great job for individuals who are looking to earn money online without a degree. While some online coaches do gain certifications, it is not always necessary.

There are several types of coaching fields to enter, including career coaching, life coaching, health coaching, family coaching, and fitness coaching. It is advisable to choose a field that you have experience in or feel comfortable handling.

As a life coach, for example, you can assist clients in achieving their goals, dealing with self-esteem issues, or working on relationships.

Benefits:

  • Freedom to set your own schedule and work from home, which allows you to balance work and family responsibilities.
  • Potential to earn a good income, especially if you specialize in a high-demand niche and build a strong client base.
  • Viable career option for working moms without a degree.
  • Work remotely from their computers and communicate with clients online.

Pay: Most coaches make between $30 an hour – 100 an hour pending experience.

25. Counselor

Counseling is indeed a vital service that plays a crucial role in helping individuals and families overcome difficult challenges.

As a counselor, you work closely with clients to address various issues and support them in achieving their personal and professional goals.

Counselors can work in diverse settings, including private practices, mental health centers, schools, substance abuse centers, or government institutions. This allows for a wide range of opportunities and flexibility in terms of work environment and schedule. Additionally, advancements in technology have made it possible for counselors to provide their services online, further expanding the accessibility and convenience of counseling.

Benefits:

  • Flexibility to work part-time or full-time.
  • Making a positive impact on the lives of others and contributing to their well-being is a significant aspect of counseling that attracts many individuals, including moms, to pursue this profession.
  • Offers a fulfilling and financially rewarding career path.

Pay: The average hourly rate for counselors is $39 an hour.

Other Jobs Options to Consider:

  • Home Health Aide: Care for patients in their own homes. Many opportunities for part-time work.
  • Personal Care Aide: Assist clients with daily tasks such as bathing, dressing, and grooming. Flexible schedules are available.
  • Event Planner: Plan and organize events such as weddings, conferences, and parties. Can often work on a freelance or contract basis.
  • Photographer: Take photographs for a variety of purposes such as weddings, events, or marketing materials. Can often work on a freelance basis.
  • Personal Trainer: Help clients achieve fitness goals through exercise and nutrition coaching. Can often work on a freelance or contract basis.
  • House Cleaner: Clean homes or businesses on a regular basis. Offers flexibility in terms of schedule and workload.
  • Online Tutor: This job involves teaching students online in various subjects. Skills required include teaching ability, subject expertise, and communication. To balance work and family life, set a schedule and prioritize family time.
  • Translator: This job involves translating written or spoken content from one language to another. Skills required include fluency in multiple languages, attention to detail, and communication. To balance work and family life, set a schedule and prioritize family time.
  • Pet Sitter/Dog Walker: This job involves caring for pets while their owners are away. Skills required include love for animals, responsibility, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
  • Personal Shopper: This job involves shopping for clients and delivering their purchases. Skills required include organization, communication, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.

What to consider when choosing a job for working moms without a degree?

Working mothers without a degree face many challenges when it comes to finding a job.

They need to find a balance between their family and career commitments, and they also need to find a job that is flexible enough to accommodate their schedule. Here are the things to consider when looking for a new job.

1. Hours and Shiftwork

For working moms being able to control their own schedules allows them to be present for their children’s needs while also earning an income is extremely important. It is important to consider the hours you have available to dedicate to a job along with the shiftwork necessary when choosing a job.

Think about whether you want to go part-time or full-time.

Also, weekend shifts are also an option for those who need to work around their family’s schedule. Even better, remote work has become increasingly popular and offers even more flexibility.

2. Salary

Salary considerations play a significant role in achieving this stability a mom desires.

It is essential to explore different salary options and negotiate to ensure that you are being fairly compensated for your skills and experience.

Consider starting salary, the potential for growth, benefits packages, and negotiation when exploring job options.

3. Responsibility and Stress

As any working mom can tell you, being a working mom can be an incredibly stressful experience. Mothers often have to balance their work responsibilities with household chores and childcare, which can be overwhelming.

Finding a job that balances responsibility and stress is crucial for working moms to maintain their mental and physical health, and to be able to provide for their families.

4. Level of Education Required

As a working mom, it is important to consider the level of education required when choosing a job.

Plus, it is crucial to research job requirements and considers personal interests and skills when selecting a job. By doing so, working moms can find a job that offers flexibility, decent pay, and job satisfaction.

5. Professional Licenses and Certifications

Obtaining, professional licenses and certifications is an excellent way for working moms without a degree to increase their job opportunities, earn higher salaries, and improve job security.

These certifications and licenses are often required for specific industries, such as healthcare, education, and law enforcement.

With so many options available, it’s important for working moms to explore the various certifications and licenses that are relevant to their industry and career goals.

6. Work-Life Balance

Balancing work and family life is a challenge for anyone, but it can be particularly daunting for working moms.

However, there are several factors to consider when choosing a job that can help achieve a work-life balance:

  • Flexible Work Hours: A job with flexible work hours can help working moms without a degree balance their work and family responsibilities. This can include part-time work, remote work, or jobs that allow for flexible scheduling.
  • Remote Work Options: Remote work can be an excellent option for working moms without a degree who need to work from home.
  • Company Culture: A supportive company culture can make all the difference for working moms. Look for companies that offer family-friendly policies such as paid time off, flexible work schedules, and on-site childcare.

By prioritizing work-life balance, working moms can achieve success in both their personal and professional lives.

7. Vacation and Time Off

For working moms without a degree, vacation and time off are crucial benefits to consider when evaluating a potential job offer.

Here are three factors to consider when reviewing a company’s vacation and time off policy:

  1. The number of vacation days offered, including paid time off for sick days and personal days.
  2. The flexibility of the policy, such as the ability to take time off for family emergencies or unexpected events.
  3. The potential for extended leave, such as maternity or paternity leave.

8. Career Advancement

When considering a job as a mom, career advancement is an important consideration. It is essential to choose an employer and a job that offers opportunities for growth and progression in your chosen field.

Advancing in your career not only allows you to achieve personal and professional goals but also provides financial stability and job satisfaction.

Don’t underestimate the power of setting clear career goals and actively working towards them.

By investing in your skills, building a strong network, and setting clear career goals, you can pave the way for a successful and fulfilling career as a mom.

9. Job Security

Job security is especially significant for working moms, who may face more challenges in finding and keeping a job.

Typically, working moms are limited in their job options.

So, look for careers that provide financial security as well as companies with a solid track history.

This is the perfect side hustle if you don’t have much time, experience, or money.

Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.

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 business from scratch. 

FAQ

You can search for remote jobs, part-time jobs, or freelance gigs.

You can also look for companies that have flexible policies in place. Also, reach out to your network and ask if anyone knows of any openings that are flexible.

Stay-at-home moms can find a variety of jobs that can be done from home and offer flexibility to work around their schedule. Here are some of the options available:

Working from home offers the benefit of having a better work-life balance and the ability to be present for their families while still earning an income.

Which Job for Moms will You Choose?

For moms who want to balance family and career, finding a job that offers work-life balance and career growth is crucial.

Not only can working increase income, but it can also lead to career advancement and personal fulfillment.

Above, we listed many great jobs for moms. You can choose a job that allows you to work from home, or one that provides flexible hours. Also, many moms like me prefer one of these early morning jobs.

Whatever you choose, make sure you find a job that you enjoy and that allows you to spend time with your family.

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

Source: moneybliss.org

Apache is functioning normally

Las Vegas might have once lured travelers with its gambling halls and affordable $9.99 steak and lobster dinners. However, the Las Vegas Strip of today is a thoroughfare dominated by sprawling luxury resorts — and accompanying hotel bills that almost require a jackpot at a slot machine to offset the financial blow.

MGM Resorts’ Aria Resort & Casino stands out among this wave of newer Las Vegas resorts for being among the first to rely less on a theme (no circus gimmicks, Italian-inspired water features or faux Parisian architecture here, thank you very much). Instead, this glitzy, glassy complex is more about luring in guests with a bevy of bars and restaurants, pools, a spa and, of course, an extensive casino floor.

Aria was one of my favorite places to stay in Las Vegas prior to the pandemic, so I checked in earlier this month to see what’s changed in the last few years. Here’s what it was like to stay there.

CAMERON SPERANCE/THE POINTS GUY

What is the Aria Resort & Casino?

Moving to a stay at Aria following three nights at a conference at Caesars Palace just up the Strip was like experiencing Vegas resort whiplash. That’s no knock against Caesars, but that resort leans heavily into its Roman theme — which certainly keeps the place packed with tourists.

Aria, however, makes a point of not leaning into the various themes its competitors or sister properties embrace, like the Bellagio (Italy’s Lake Como), Paris Las Vegas (France), Luxor (Egypt) or Excalibur (medieval times). Instead, this MGM Resorts-affiliated property is the namesake of Aria Campus — a high-end hotel and casino complex featuring the Aria Resort & Casino, as well as the Aria Sky Suites and Vdara Hotel & Spa. The Shops at Crystals, a luxe shopping mall featuring retailers like Dior and Gucci, connect to the hotel.

While the Aria is on the Las Vegas Strip, it’s set back farther than some of its siblings and competitors. However, the Aria Express Tram connects visitors from Aria and the Shops at Crystals to the Bellagio and Park MGM (both part of MGM Resorts along with Aria).

If Aria did lean into any theme when it first opened in late 2009, it was its high-tech features — something I noticed during my stay amid posters all over the property encouraging guests to text a digital concierge or use a tablet in their room to communicate with staff and make reservations. More on that later.

Related: 17 best hotels in Vegas with suites that are worth it

CAMERON SPERANCE/THE POINTS GUY

How to book the Aria Resort & Casino

Because of the reciprocity between MGM Resorts and Hyatt, there are a variety of ways to book a stay at Aria and earn loyalty points and on-property elite benefits. As a World of Hyatt Explorist member, I booked my Friday and Saturday night stay directly through Hyatt for a Deluxe Strip View King guest room that averaged $435.44 per night, including taxes and fees.

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Room rates are higher on the weekends, but the silver lining is that, because I’m an Explorist, I also have MGM Resorts Gold status when I book directly.

That comes with waived resort fees and an enhanced room upgrade (the staffer at check-in moved me up to the 33rd floor compared to a room on the 21st floor that was initially available), which saved me $90 over the span of my two-night stay. There is also a dedicated check-in counter in the lobby for MGM Gold members and above, which saved me some time upon arrival.

CAMERON SPERANCE/THE POINTS GUY

Luxury on the Strip

The first time I visited Aria years ago, my taxi driver referred to it as “glassy and classy” when she dropped me off at the resort. That moniker still holds as the hotel’s curved glass towers leave an imposing, modern presence among the wide variety of architectural styles that characterize the Las Vegas skyline.

I wouldn’t lump Aria in with the ultra-luxury vibes of the adjacent Waldorf Astoria Las Vegas or the Wynn and Encore resorts farther north on the Strip. However, Aria still has an elevated, less-chaotic vibe than some of the other Las Vegas properties.

CAMERON SPERANCE/THE POINTS GUY

New York’s famed Carbone restaurant and celebrity chef Jean-Georges Vongerichten have venues on the property, and you’ll be hard-pressed to find an affordable meal here save for the food hall and outposts of on-the-go chains like Starbucks and Pressed Juicery. The prices might make your wallet cry, but it certainly adds to an aura of exclusivity lingering around certain parts of the resort.

That said, this is still a Las Vegas resort: There’s plenty of boisterous fun taking place on the casino floor and on Aria’s sprawling pool decks during the daytime.

CAMERON SPERANCE/THE POINTS GUY

Spacious room with a view

I was eager to return to Aria because my last time here was prior to my time as a hotel reviewer. I remember being blown away by the size of the rooms, and that part still rings true.

My panoramic room had ample space for stowing luggage — two closets plus a dedicated, built-in shelf for storage — and a marble bathroom that was great for couples or friends traveling thanks to the double vanity.

CAMERON SPERANCE/THE POINTS GUY

My room featured an incredible, panoramic view of the southern swath of the Las Vegas Strip: The Cosmopolitan, Planet Hollywood, MGM Grand, Vdara, the Waldorf Astoria, Park MGM Las Vegas, Tropicana, Mandalay Bay and Delano were all visible from the room. Also, I work at TPG and am obviously an aviation geek, so I spent quite a while with my flight radar app on my phone and taking in the sights of planes landing and taking off from nearby Harry Reid International Airport (LAS).

The sprawling layout for a non-suite guest room plus the impeccable views put Aria in the higher category of resorts that I’ve stayed at in Vegas. However, the room also showed signs of needing a refresh.

CAMERON SPERANCE/THE POINTS GUY

The room featured a comfy king-size bed and blackout shades that were controlled by a wall-mounted switch (curiously, they could be closed from a nightstand switch but only opened from one out-of-bedside reach in the guest room foyer).

There was a tablet intended for making restaurant reservations and accessing hotel information, but I found it to be terribly glitchy (breakfast options one morning took several minutes to actually appear on the tablet). Google was my friend during this stay more than Aria’s supposedly stellar digital concierge infrastructure.

One of the reading lamp lights wasn’t working, which I thought would have been checked during turnover before my arrival. Additionally, many of the light switches seemed as glitchy as the tablet or didn’t work at all. The hotel room’s TV offered device connectivity, but I stuck to just reading from my phone or laptop.

CAMERON SPERANCE/THE POINTS GUY

There were two large chairs, a workstation and the hotel minibar. However, I could have used a fainting couch after checking out some of the minibar prices. It was nearly $25 for a bag of cashews or almonds. Want a liter of Fiji water? That’ll run you $24.75. I highly recommend grabbing snacks and beverages at the CVS nearby on the other side of the Waldorf Astoria on the Las Vegas Strip.

There was a large soaking tub and shower (Aria uses KiNU products) behind a glass door. I always find these layouts a little pointless because you end up getting the tub wet for no reason when you take a shower. A grip pad on the shower floor would also have been nice, as I was always extra cautious trying not to slip while rinsing off. There’s a separate water closet behind a frosted glass door.

CAMERON SPERANCE/THE POINTS GUY

One of my sink drains was clogged, but I didn’t bother calling maintenance during my stay since the other sink worked perfectly fine — again, something you’d think would have been noted during turnover.

The bathroom lights were a little glitchy in that you’d press a button several times to get the light on in the shower — another slight stand-alone problem that can swell to an overall annoyance at a hotel touting its tech prowess on many advertisements throughout the property.

Overall, I think the hotel is going to need an interior design overhaul in a few years. The furniture and dark wooden cabinetry all felt like they were teetering on the intersection of dated and wear-and-tear, and the linens all seemed dull and in need of replacing (or at least an iron). I know wear and tear are going to inevitably happen at a highly visited hotel in Las Vegas, but a hotel leaning into its luxurious reputation like Aria needs to start thinking about this sooner before long-time guests start looking elsewhere for a stay.

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CAMERON SPERANCE/THE POINTS GUY

Pricey eats and drinks

As the minibar might suggest, mealtime at Aria can be stressful if you’re trying to dine on a budget.

My “affordable” dinner at Din Tai Fung, a famous Taiwanese dumpling and noodle restaurant that opened a Las Vegas outpost at Aria in 2020, came to $92.50 for a yuzu margarita, pork xiao long bao (soup dumplings), steamed shrimp and pork dumplings and spicy noodles. The food, recommended by the very friendly waitress, was delicious, but I felt a little rushed (I was in and out in under 40 minutes). It was fun, however, to watch the chefs make the dumplings in the display kitchen near the host stand at the restaurant.

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CAMERON SPERANCE/THE POINTS GUY

I purposefully didn’t make a reservation at any restaurant ahead of my arrival, as I wanted to see how well the “Fine Dining Priority Reservations” benefit of MGM Gold status worked on a last-minute booking. It didn’t exactly pull miracles for me, as I didn’t find any availability at Carbone or at Salt & Ivy, a clearly popular breakfast spot based on the Saturday brunch wait that rivaled any TSA security line during the holidays. (I recommend just sitting at the bar at Catch just off the lobby for a full breakfast if you’re looking for something heartier than Starbucks.)

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CAMERON SPERANCE/THE POINTS GUY

The check-in agent during my arrival recommended Jean Georges Steakhouse. At the time, I figured he was trying to send me to the most expensive spot at the hotel for dinner (The restaurant is known for being one of the few in the U.S. to serve actual Kobe beef). Alas, it had availability, so I took myself to dinner solo on a Saturday night.

CAMERON SPERANCE/THE POINTS GUY

Let’s say I went the “bargain” route at the luxe restaurant by ordering a $23 wedge salad, a $74 8-ounce filet mignon and a $21 side of crunchy potatoes served with chili yogurt and herbs. By no means was this cheap, but I was surprised to see a gin martini here going for “only” $20 when a glass of 2021 George Pinot Noir Ceremonial went for $25. A scoop of ice cream ($8) and a double espresso ($7) rounded off the meal.

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CAMERON SPERANCE/THE POINTS GUY

Was it worth it? There were certainly some amazing points: The staff was wonderfully attentive without being suffocating, and I loved the variety of four sauces to come with the steak: a habanero sauce, soy miso, barbecue and bearnaise.

That said, I ordered my steak medium and found it to be teetering into the well-done territory — a grilling mishap I’d imagine a patron paying $67 per ounce for the A5 Certified Kobe Beef on the menu wouldn’t be too thrilled by.

Fast casual options that (mostly) won’t break the bank

Since my last visit to Aria, the buffet was replaced by Proper Eats Food Hall. This features a mix of fast-casual options for all taste buds, like Laughing Buddha Ramen, Egghead, Lola’s Burgers, Proper Bar and even a speakeasy: Easy’s Cocktail Lounge.

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CAMERON SPERANCE/THE POINTS GUY

The hotel has signs everywhere noting how easy it is to order via your phone or from a self-service kiosk to cut down on wait times. However, I noticed during peak hours, these features were turned off, and you still had to wait in a long line at Egghead. Again with the tech failures!

I grabbed a burger, fries and soft drink one day at Lola’s for $33.81, including tax and tip. That’s pretty hefty for what’s essentially fast food with no sit-down service, and I knew Aria was getting to me when a voice inside my head said, “Well, that’s not bad, relatively speaking, compared to everything else here.”

To ensure I wasn’t letting the luxury prices go to my head, I ducked into an In-N-Out farther down the Strip before I flew home. A burger, fries and a soft drink there came to only $9.75.

For those in a bit of a rush in the morning, the mobile ordering at Aria’s second-floor Starbucks consistently worked. Also, the Pressed Juicery across the hall is a healthy alternative (though a costly one considering a wellness shot of ginger and lemon juice plus an acai bowl came to $16.50).

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CAMERON SPERANCE/THE POINTS GUY

Fitness and poolside fun

I didn’t book a treatment at the Aria Spa & Salon but passed through every day of my stay en route to the gym. Both spaces are very modern and sleek, and there’s an inviting seating area with a fireplace just outside the gym.

The hotel fitness center overlooking the pool area was spacious and had all the cardio and weightlifting equipment one needs for a variety of workouts. There’s even a rock-climbing wall and bowls filled with chilled towels to cool off post-workout.

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CAMERON SPERANCE/THE POINTS GUY

I came out of the gym each morning just before the pool’s 9 a.m. opening time to an extraordinarily long line of folks jockeying to stake the claim to a lounger outside. This deterred me from checking out the pool daily until mid-afternoon when things calmed down. Aria features three pools; though one is a private pool for Sky Suites guests only.

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CAMERON SPERANCE/THE POINTS GUY

I didn’t feel like I was missing out by hanging out at just the “regular” pools both afternoons I ventured down. While you hear a lot about Sin City’s infamous pool parties, Aria’s pool scene was a relaxing spot to read a book, sip on a (tiny) margarita ($21.82) and listen to early 2000s Gwen Stefani music belt out over the speakers.

Related: The best hotel pools in Las Vegas

CAMERON SPERANCE/THE POINTS GUY

Checking out

Aria Resort & Casino arrived at the height of the Great Recession at perhaps a misplaced time. Late 2009 likely wasn’t the best time to launch a luxury casino resort in Las Vegas, but it found success and a following by courting high-end travelers with its glamorous accommodations and restaurants.

The resort is still riding high on luxury, but there are signs a refresh needs to happen sooner than later. After all, nobody wants to stay at the hotel relying on stories of the glory days.

If MGM gets ahead of this now, there will still be plenty of reasons to keep returning to Aria for years to come.

Convinced that Aria is the right property for your next trip to Vegas? You can book here.

Related reading:

Source: thepointsguy.com

Apache is functioning normally

Apache is functioning normally

In a traditional merger, a company may acquire another that is in a similar or complementary business in order to expand its footprint or reduce competition. A “reverse merger” works quite differently, and investors are eyeing the assets of a private company.

The acquiring company in a reverse merger is called a public “shell company,” and it may have few to no assets. The shell company acquires a private operating company. This can allow the private company to bypass an initial public offering, a potentially lengthy, expensive process. In essence, the reverse merger is seen as a faster and cheaper method of “going public” than an IPO.

Reverse Merger Meaning

As mentioned, the meaning of the term “reverse merger” is when a group of investors takes over a company, rather than a competing or complementary business acquiring or absorbing a competitor. It’s a “reverse” of a traditional merger, in many ways, and appearances.

A reverse merger can also act as a sort of back door in. It can also be a way for companies to eschew the IPO process, or for foreign-based companies to access U.S. capital markets quickly.

What Is Investors’ Motivation?

Investors may purchase units or shares in a shell company, hoping their investment will increase once a target company is chosen and acquired. This can be good for values of stocks when companies merge, netting those investors a profit.

In other cases, investors may own stock in a publicly traded company that is not doing well and is using a reverse merger to boost share values for shareholders through the acquisition of a new company.

In either case, shareholders can vote on the acquisition before a deal is done. Once the deal is complete, the name and stock symbol of the company may change to represent that of the formerly private company.

How Do Reverse Mergers Work?

A shell company may have a primary purpose of acquiring private companies and making them public, bypassing the traditional IPO process. These types of companies can also be called special purpose acquisition companies (SPACs) or “blank check companies,” because they usually don’t have a target when they’re formed.

They may set a funding goal, but the managers of the SPAC will have control over how much money they will use during an acquisition.

A SPAC can be considered a sort of cousin of private equity in that it raises capital to invest in privately traded companies. But unlike private equity firms, which can keep a private company private for however long they wish, the SPAC aims to find a private company to turn public.

During its inception, a SPAC will seek sponsors, who will be allowed to retain equity in the SPAC after its IPO. There’s a lot to consider here, such as the differences and potential advantages for investors when comparing an IPO vs. acquisition via SPAC.

The SPAC may have a time limit to find a company appropriate to acquire. At a certain point during the process, the SPAC may be publicly tradable. It also may be available for investors to buy units of the company at a set price.

Once the SPAC chooses a company, shareholders can vote on the deal. Once the deal is complete, managers get a percentage of the profits from the deal, and shareholders own shares of the newly acquired company.

If the SPAC does not find a company within the specified time period — or if a deal is not voted through — investors will get back their money, minus any fees or expenses incurred during the life of the SPAC. The SPAC is not supposed to last forever. It is a temporary shell created exclusively to find companies to take public through acquisition.

Are Reverse Mergers Risky?

Investing in a SPAC can be risky because investors don’t have the same information they have from a publicly traded company. The lack of transparency and standard analytical tools for considering investments could heighten risk.

The SPAC itself has little to no cash flow or business blueprint, and the compressed time frame can make it tough for investors to make sure due diligence has been done on the private company or companies it plans to acquire.

Once a deal has gone through, the SPAC stock converts to the stock of the formerly private company. That’s why many investors rely on the reputation of the founding sponsors of the SPAC, many of whom may be industry executives with extensive merger and acquisition experience.

What Are the Pros and Cons of Reverse Mergers for Investors?

For investors, reverse mergers can have advantages and disadvantages. Here’s a rundown.

Pros of Reverse Mergers

One advantage of a reverse merger — being via SPAC or some other method — is that the process is relatively simple. The IPO process is long and complicated, which is one of the chief reasons companies may opt for a reverse merger when going public.

As such, they may also be less risky than an IPO, which can get derailed during the elongated process, and the whole thing may be less susceptible to the overall conditions in the market.

Cons of Reverse Mergers

Conversely, a reverse merger requires that a significant amount of due diligence is done by investors and those leading the merger. There’s always risk involved, and it can be a chore to suss it all out. Further, there’s a chance that a company’s stock won’t see a surge in demand, and that share values could fall.

Finally, there are regulatory issues to be aware of that can be a big hurdle for some companies that are making the transition from private to public. There are different rules, in other words, and it can take some time for staff to get up to speed.

Pros and Cons of Reverse Mergers for Investors
Pros Cons
Simple Homework to be done
Lower risks than IPO Risk of share values falling
Less susceptibility to market forces Regulation and compliance

An Example of a Reverse Merger

SPACs have become more common in the financial industry over the past five years or so, and were particularly popular in 2020 and 2021. Here are some examples.

Snack company UTZ went public in August 2020 through Collier Creek Holdings. When the deal was announced, investors could buy shares of Collier Creek Holdings, but the shares would be converted to UTZ upon completion of the deal. If the merger was successful, shareholders had the option to hold the stock or sell.

But sometimes, SPAC deals do not reach completion. For example, casual restaurant chain TGI Fridays was poised to enter a $380 million merger in 2020 through acquisition by shell company Allegro Merger — a deal that was called off in April 2020 partially due to the “extraordinary market conditions” at the time.

Allegro Merger’s stock was liquidated, while the owners of TGI Fridays — two investment firms — kept the company.

Investor Considerations About Reverse Mergers

Some SPACs may trade in exchange markets, but others may trade over the counter.

Over-the-counter, or off-exchange, trading is done without exchange supervision, directly between two parties. This can give the two parties more flexibility in deal terms but does not have the transparency of deals done on an exchange.

This can make it challenging for investors to understand the specifics of how a SPAC is operating, including the financials, operations, and management.

Another challenge may be that a shell company is planning a reverse merger with a company in another country. This can make auditing difficult, even when good-faith efforts are put forth.

That said, it’s a good idea for investors to perform due diligence and evaluate the shell company or SPAC as they would analyze a stock. This includes researching the company and reviewing its SEC filings.

Not all companies are required to file reports with the SEC. For these non-reporting companies, investors may need to do more due diligence on their own to determine how sound the company is. Of course, non-reporting companies can be financially sound, but an investor may have to do the legwork and ask for paperwork to help answer questions that would otherwise be answered in SEC filings.

Investing With SoFi

Understanding reverse mergers can be helpful as SPACs become an increasingly important component of the IPO investing landscape. It can also be good to know how investments in reverse merger companies can fit financial goals.

Many investors get a thrill from the “big risk, big reward” potential of SPACs, as well as the relatively affordable per-unit price or stock share that may be available to them.

Due diligence, consideration of the downsides, and a well-balanced portfolio may lessen risk in the uncertain world of reverse mergers. If you’re interested in learning how they could affect your portfolio or investing decisions, it may be a good idea to speak with a financial professional.

Ready to invest in your goals? It’s easy to get started when you open an Active Invest account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).

For a limited time, opening and funding an account gives you the opportunity to win up to $1,000 in the stock of your choice.

FAQ

What is an example of a reverse merger?

A SPAC transaction is an example of a reverse merger, which would be when a SPAC is founded and taken public. Shares of the SPAC are sold to investors, and then the SPAC targets and acquires a private company, taking it public.

Why would a company do a reverse merger?

A reverse merger can be a relatively simple way for a company to go public. The traditional path to going public, through the IPO process, is often long, expensive, and risky, and a reverse merger can offer a simpler alternative.

How are reverse mergers and SPACs different?

The term “reverse merger” refers to the action being taken, or a company being taken public through a transaction or acquisition. A SPAC, on the other hand, is a vehicle or business entity used to facilitate that acquisition.

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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.

Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. IPOs offered through SoFi Securities are not a recommendation and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation.

New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For SoFi’s allocation procedures please refer to IPO Allocation Procedures.
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Source: sofi.com

Apache is functioning normally

Apache is functioning normally

“Once data is identified, the system can then run a series of automated comparison checks or rules,” Jennifer Fortier, principal at Stratmor, said.

Automated comparison checks can help solve one of the biggest issues in mortgage banking: a lack of trust in data provided by borrowers and lenders.

“We spend a ton of time and money trying to convert proof that’s typically provided in the form of images into data we can use, then hand that all off to the next person, who does not trust the data either,” Garth Graham, senior partner at STRATMOR, said.

Ultimately, the lender packages the loan to sell to an investor, who doesn’t trust any of the data in the file, and the process starts all over again, Graham noted. 

If AI can confirm for all parties – including the lender, borrower and investor – that the data is correct, the cost to originate loans will go down, according to Graham. 

The average cost to originate a loan climbed to a record-high of $13,171 in the first quarter of 2023 due to a further drop in origination volume, according to the Mortgage Bankers Association (MBA).

Other areas where AI can be beneficial for lenders include boosting conversion rates, improving the automated underwriting process, detecting fraud and providing a personalized customer experience, the report notes.

“AI should be powerful in the near-term at handling the most mundane tasks being assigned to lower cost resources inside of lending organizations, especially for the work that follows a very predictable pattern,” Brett McCracken, senior advisor at Stratmor, said.

But when it comes to the question of when more lenders will embrace AI implementation, there are hurdles to overcome. Data quality, regulatory compliance, model bias, a lack of AI literacy and potential job displacement concerns are all barriers to adopting AI tech. 

In addition to the potential legal and ethical challenges, lenders will need to review how the workflow should be changed to fully optimize the benefit of the AI solution. Lenders will also need leadership to understand what AI can and can’t do — and have someone in the lender’s shop who understands the AI being implemented in order to monitor and manage it. 

“I think AI can eventually replace most non-borrower facing tasks on the mortgage loan. When AI can do more to simulate human thinking and intelligently assess questions that are not as easy as ‘pass or fail,’ we will have reached a tipping point into AI,” Jennifer Fortier, principal of Startmor, said.

Source: housingwire.com

Apache is functioning normally

Apache is functioning normally

Buying a house in Michigan can be an exciting and fulfilling experience. Known for its diverse landscapes, vibrant cities, and affordable housing options, Michigan offers prospective homebuyers a range of opportunities. Whether you’re looking for charming suburban homes in Grand Rapids, a bustling urban condo in Ann Arbor, or a serene rural retreat, Michigan has something to offer. However, navigating the homebuying process in Michigan requires careful consideration of factors such as location, market conditions, financing options, and legal requirements. Understanding the local real estate market, working with knowledgeable professionals, and conducting thorough research is vital to making informed decisions and finding the perfect home in Michigan.

If you’re a first-time homebuyer and want to know more about the market, Redfin has your back. From market insights to the homebuying process, read on to get started.

What’s it like to live in Michigan?

Michigan is known for its breathtaking natural beauty, including the Great Lakes, stunning forests, and picturesque landscapes. Residents can enjoy various outdoor activities like hiking, camping, boating, and skiing. Furthermore, Michigan boasts excellent educational institutions, including renowned universities like the University of Michigan and Michigan State University. The cost of living in many areas of Michigan is relatively affordable compared to other states, allowing residents to enjoy a comfortable lifestyle. Check out this article to learn more about the pros and cons of living in Michigan.

Michigan housing market insights

The housing market in Michigan continues to show increased median sale prices. As of recent data, the median sale price stands at $252,200, reflecting a 1.6% year-over-year increase. However, Due to the growth in prices, certain metros within the state are experiencing high levels of competition. Areas such as Fraser, Walker, and Clawson have become particularly competitive for homebuyers. Additionally, the number of homes available for sale has declined, down 8.3% year-over-year. This reduced inventory can contribute to a more competitive market and potentially drive up prices further. These insights indicate a dynamic housing market in Michigan, with rising costs, pockets of intense competition, and limited inventory, making it essential for prospective buyers to stay informed and be prepared for the market’s challenges and opportunities.

Finding your perfect location in Michigan

Finding the perfect location in Michigan is crucial when buying a house in the state. Michigan offers a diverse range of communities, each with its unique characteristics and amenities. Factors such as proximity to schools, job opportunities, recreational activities, and community services play a significant role in determining the suitability of a location.

If you’re between two cities you love, don’t fret; using tools like a cost of living calculator will provide insight into which city aligns with your budget. And to help you get started, we’ve compiled a list of five sought-after Michigan cities, highlighting market insights and their unique offerings.

#1: Detroit, MI

Median home price: $75,000
Detroit, MI homes for sale

As the largest city in Michigan, moving to Detroit offers a unique experience that is shaped by its rich history, cultural diversity, and ongoing revitalization efforts. Detroit’s sports culture runs deep, with passionate fan bases for teams like the Detroit Tigers, Pistons, and Red Wings. Additionally, Detroit’s revitalization efforts have led to the revitalization of neighborhoods such as Midtown and Corktown, where new businesses, art galleries, and entertainment venues have emerged.

#2: Kalamazoo, MI

Median home price: $190,500
Kalamazoo, MI homes for sale

The cost of living in Kalamazoo, MI is 21% lower than the national average, perfect for those on a budget. The city is known for its lively arts scene, with the Kalamazoo Institute of Arts, the Kalamazoo Symphony Orchestra, and numerous theater companies providing a rich cultural experience. Residents can explore the vibrant downtown area, filled with local shops, restaurants, and breweries, including the popular Bell’s Brewery. Kalamazoo offers a range of outdoor recreational activities, with parks, hiking trails, and proximity to scenic areas such as the Kalamazoo River Valley Trail and the Kal-Haven Trail. So if you’re looking for a small town with a low cost of living, moving to Kalamazoo could be for you.

#3: Grand Rapids, MI

Median home price: $290,000
Grand Rapids, MI homes for sale

Moving to Grand Rapids offers a rich and fulfilling experience with a unique blend of urban amenities and natural beauty. Grand Rapids is known for its thriving craft beer scene with numerous breweries and festivals. It was even named Beer City, USA. The city boasts a rich cultural landscape, including the renowned Frederik Meijer Gardens and Sculpture Park, the Grand Rapids Art Museum, and the Gerald R. Ford Presidential Museum. With a strong emphasis on the arts, Grand Rapids hosts ArtPrize, one of the world’s largest art competitions.

#4: Novi, MI

Median home price: $390,000
Novi, MI homes for sale

Moving to Novi offers a delightful experience with its upscale shopping destinations. You’ll find the Twelve Oaks Mall and the luxurious Novi Town Center, providing residents with a wide range of shopping and dining options. The city also boasts several parks and recreational areas, including the picturesque Lakeshore Park, which offers trails, picnic spots, and beautiful views of Walled Lake. Moreover, Novi is renowned for hosting the annual Michigan State Fair, a lively event showcasing agricultural exhibits, captivating entertainment, and exhilarating rides.

#5: Ann Arbor, MI

Median home price: $496,250
Ann Arbor, MI homes for sale

As the home of the University of Michigan, Ann Arbor has a lively and intellectual atmosphere. The city is renowned for its top-tier education, world-class research facilities, and a strong emphasis on innovation and entrepreneurship. Residents can take advantage of various cultural events, including the Ann Arbor Film Festival, the Ann Arbor Art Fair, and the renowned University Musical Society, which brings diverse performing arts to the community. The vibrant downtown area is filled with local shops, restaurants, and cafes, creating a lively and welcoming environment for anyone moving to Ann Arbor.

The homebuying process in Michigan

Let’s explore the homebuying process if you’re ready to put down roots in Michigan.

1. Prioritize your finances

Prioritizing your finances when buying a home in Michigan is crucial for several reasons. First and foremost, it ensures that you can comfortably afford the financial obligations associated with homeownership. By assessing your income, expenses, and budget, you can determine a realistic price range and avoid overextending yourself financially. Along with prioritizing your finances to help secure a favorable mortgage loan with competitive interest rates and terms. If you’re not sure where to start, using tools like an affordability calculator will point you in the right direction.

Various programs are available for first-time homebuyers in Michigan, including the MI Home Loan, which can assist with up to $7,500 in down payment assistance.

2. Get pre-approved from a lender

Getting pre-approved from a lender is an essential first step when starting the homebuying journey. By seeking pre-approval, you gain a clear understanding of your budget and financial limitations, which allows you to search for homes within your price range. Pre-approval involves a lender evaluating your financial situation, credit history, and income to determine the loan amount you qualify for. 

3. Connect with a local agent in Michigan

When buying a house, connecting with a local real estate agent in Michigan is essential, as they bring valuable expertise, guidance, and local market knowledge. A local agent understands the nuances of the Michigan real estate market, including neighborhood trends, property values, and inventory availability. They can help you identify suitable neighborhoods that align with your preferences and budget. So whether you’re looking for real estate agents in Grand Rapids or agents in Detroit, they’re here to help.

4. Start touring homes

Touring homes is a crucial step in the homebuying process, as it allows you to experience and evaluate properties first hand physically. It provides an opportunity to assess a home’s condition, layout, and overall appeal before making a purchasing decision. During home tours, paying attention to several key factors is essential. First, consider the home’s structural integrity and potential maintenance issues. Look for signs of water damage, cracks in the foundation, or any other red flags that could indicate significant repairs or maintenance expenses down the line. 

5. Make the offer

Making an offer signifies the buyer’s serious intent to acquire the home and initiates the negotiation phase. When crafting an offer, prospective buyers must consider the property’s market value, comparable sales in the area, the seller’s asking price, and their budget and preferences. The offer should be presented in writing and include essential details such as the proposed purchase price, desired contingencies, and the seller’s response deadline. 

6. Close on the house

The closing process is the final stage, where all the necessary legal and financial transactions are completed, and property ownership is officially transferred from the seller to the buyer. During the close, various important tasks take place, including reviewing and signing the final purchase agreement, verifying the title and property records, completing the mortgage paperwork, and paying closing costs and fees. Additionally, the close allows the buyer to conduct a final walkthrough of the property to ensure its condition is as expected.

If you’re new to the process, Redfin has insights for you. The First-Time Homebuyer Guide has everything you need to know about each step of the process.

Factors to consider when buying a house in Michigan

When going through the homebuying process, you’ll want to understand the unique considerations of buying a home in Michigan.

Water rights

Michigan has strict regulations regarding water rights, particularly in properties with access to lakes, rivers, or streams. When purchasing a house, understand the extent of your water rights, restrictions, and availability for everyday use or irrigation.

Flood risks

Michigan faces significant flood risks due to its unique geographical features and weather patterns. The presence of the Great Lakes exposes many areas to potential flooding. Additionally, Michigan has numerous rivers, streams, and inland lakes, which can contribute to the likelihood of flooding during heavy rainfall or snowmelt events. The state’s climate, characterized by cold winters and frequent precipitation, can lead to rapid snow accumulation and subsequent spring thaws, increasing the risk of flooding. Knowing if your house is in a flood zone is essential, so you can be prepared.

Dual agency

A dual agency is permitted when buying a house in Michigan. A dual agency is when a real estate agent or broker represents the buyer and seller in the same transaction. In Michigan, this practice is allowed as long as it is disclosed and agreed upon by all parties involved. However, it is advisable for buyers to carefully consider the implications of dual agency, as the agent’s loyalty and fiduciary duty may become divided between the buyer and the seller.

High closing costs

Michigan is known for having relatively high closing costs when buying a home. On average, homeowners will spend around $5,714. Closing costs encompass various fees and expenses that buyers incur during the final stages of a real estate transaction. In Michigan, these costs typically include property taxes, title insurance, attorney fees, appraisal fees, loan origination fees, and recording fees.

Buying a house in Michigan: Bottom line

Michigan’s real estate market provides a diverse selection of housing options, encompassing both affordable areas and higher-priced cities. The affordability and availability of homes depend on factors such as location, market conditions, and individual budgets. To navigate this market successfully, it is crucial to conduct thorough research on the desired area, track market trends, and assess personal financial readiness, including credit score and down payment savings. By gaining a comprehensive understanding of the homebuying process, you can embark on your journey towards homeownership in Michigan with confidence.

Buying a house in Michigan FAQ

What credit score is needed to buy a home in Michigan?

The credit score needed to buy a home in Michigan, as in any other state, can vary depending on the lender and the type of mortgage loan. However, generally speaking, a higher credit score is advantageous when applying for a mortgage. Most conventional lenders prefer borrowers to have a credit score of 620 or higher. This shows a strong credit history and a lower loan default risk. Additionally, loan programs are available that cater to borrowers with lower credit scores, such as FHA loans, which typically require a credit score of 500 or higher. 

What is the required down payment for buying a house in Michigan?

The down payment required to buy a house in Michigan, as in other parts of the United States, can vary depending on several factors, including the type of mortgage loan you’re using and the lender’s requirements. Typically, conventional mortgage lenders may require a down payment of 3% to 20% of the home’s purchase price. For example, if you’re buying a $200,000 home, a 3% down payment would amount to $6,000, while a 20% down payment would be $40,000. However, it’s important to note that there are loan programs available that may require lower down payments. For instance, FHA loans often require a down payment of 3.5% of the purchase price, while VA loans and USDA loans offer the option of zero down payment for eligible borrowers. 

Are home prices affordable in Michigan?

Whether buying a house in Michigan is considered cheap depends on various factors, including the specific location within the state, the local real estate market conditions, and individual budget constraints. For example, in Kalamazoo, housing costs 47% less than the national average, whereas housing in Ann Arbor is 16% more than the national average. As a whole, Michigan has been known to offer more affordable housing options compared to some other states in the United States. However, prices can still vary significantly depending on the city or region. Consulting with a local real estate agent or professional can provide valuable insights into the desired area’s current market conditions and pricing trends.

Source: redfin.com

Apache is functioning normally

Apache is functioning normally

It’s that time of year again for family and friends to get together for seasonal festivities. It seems that from now until New Year, people will be hosting parties and gathering together for holiday meals. While it is the season for entertaining, it can be stressful to think about hosting a holiday meal if you live in an apartment or studio. But never fear! You can still have a big party and hearty meal. We’re going to teach you how to make a holiday meal in an apartment.

Say goodbye to party planning stress. Our straightforward tips will make you the “hostess with the mostest” this holiday season. Here are 13 ways to make an entire holiday meal in an apartment.

How to make an entire holiday meal in an apartment

It doesn’t matter what type of food you plan to cook — making an entire meal in an apartment requires preparation and planning. Regardless of the size of your apartment, you can prep, cook and serve a beautiful holiday meal by following these helpful steps.

1. Make a guest list

Before you even think about drafting up a menu, you need to create a guest list and determine how many people you can realistically host in your space. Cozy is good but cramped is not. Assess how many guests you can comfortably seat at your table and establish who you’ll invite to your gathering. Once you have the finalized number, you can start the meal planning.

2. Set a menu

From traditional Thanksgiving feasts to taco bars to one-pan recipes, hosting an entire holiday meal in an apartment is a lot of work. But, you can simplify the workload but jotting down the menu and everything needed to whip it up.

Start by identifying different food categories. You’ve got appetizers, side dishes, the entree, desserts and drinks. If you want to make a five-course meal, more power to you. However, it’s also perfectly acceptable to keep it simple with a nice entree, a salad and dessert, too. Whatever you decide to cook is up to you, but you need to plan out the menu and serving sizes ahead of time.

3. Decide if it’s family style or buffet style

To serve family style or buffet style. That is the question and there are pros and cons to both. Family style is nice because all of the food options are on the table when you sit down to eat and can be passed around. It makes serving easy and allows people to easily grab seconds (or thirds!) However, if you have a small table to begin with, family style can feel cluttered and might not even be an option.

Buffet style is great because you can set everything up in the kitchen, let people pick and choose what they want to eat and then head to the table to dig in. Buffet style is probably the better option in an apartment so you can avoid being arm-to-arm at the dining room table.

Whichever serving style you choose, make the decision in advance so you know how to dish up and serve your finished food products before your guests arrive.

4. Make a grocery list

Your menu is set and you know how many people you’re cooking for at this point. Now, it’s time to plan ahead and make your grocery list. Include everything from extra ice to the garnish that’ll dress up the turkey (or tofurkey!) Be precise about the quantities you need, too.

5. Cook things in advance

It’s important to note that not every menu item needs to be cooked the day of. When you live in an apartment, you’re likely tight on kitchen space. That means that making five courses the day of in the tiny kitchen isn’t your best bet. So, think about what can be done in advance. For example, you could chop up all your veggies the day before and put them in the fridge until you need them. Or, you could make roll dough a few days early and freeze it until you’re ready to serve it. If you can chop, freeze or make things in advance, you’re going to have more room and less stress the day of your dinner party.

6. Get out that slow cooker

A slow cooker is a great way to start preparing for the holiday meal in advance. In a slow cooker, you can put the ingredients in at once, set it to start cooking and then move on to your next menu item. Slow cookers don’t take up too much space on the counter which is helpful in a tight space.

7. Focus on one dish at a time

It can be tempting to try and multitask when preparing an entire holiday meal in an apartment. After all, you might be short on space and interested in speeding the process up. However, it’s important to focus on one thing at a time. Not only does it save space but it reduces chaos and helps prevent burnt or overcooked dishes.

Let’s say you’re making a traditional Thanksgiving meal. Start with the item that takes the longest to cook — the turkey. Get the turkey prepped and baking in the oven first of all. Check! Then, you can move on to peeling potatoes for the mashed potato side dish. Once that’s done, move on to candied yams and so on and so forth. Save the easiest tasks for the end. It’s easy to open a can of cranberries right before you serve the meal.

8. Remember that not every dish needs to be homemade

Store-bought goods are completely fine! It can be tempting to try and make everything from scratch but it’s not imperative. Save yourself time and space by determining what can be bought from the store versus what food is best homemade.

9. Optimize and add makeshift surfaces for extra space

Chances are that your apartment has minimal counter space. When prepping for an in-house holiday meal, clean off the surfaces in advance by storing the bread box and cookie jar in the pantry for now. Once you have open surfaces, you’ll have more space to chop, mix and whisk.

You can also make makeshift surfaces like an ironing board or the dining room table for extra storage space. Got a patio? Put all the drinks outside while you’re cooking so they are out of the way and chilled for guests who will arrive later in the evening.

10. Practice mis en place

The French phrase “mis en place” means everything in its place. And that couldn’t be more true than when making a meal for guests in your apartment. Finished peeling potatoes? Put the skins in the garbage can and empty it, put the peeler in the dishwasher and put the potatoes in the pot of boiling water before you move on to the next recipe. It’s much easier to clean up step by step than waiting until everything is baking to start the process.

11. Outsource menu items

If you want to make all the menu courses yourself, more power to you! However, it can be smart to assign dishes to your guests to bring, too. You can still own the main menu and ask guests to bring things like hors d’oeuvres, a side salad, soda or cocktail mixes. Potluck meals can be a great way to save a little money, create more space and try different recipes.

12. Cook one-pot meals

One-pot meals can be a delicious blend of everything good in one bite. If you’re tight on space, consider making one-pot meals instead of having four to five side dishes plus an entree. One-pot meals don’t lack taste but they definitely save on space.

13. Keep it simple and have fun

We all love the delicious food that’s prepared around the holidays but most of us like the company even more. You’re not going after a Michelin star so keep the meal easy, have fun and enjoy your guests. Don’t let the stress of cooking take away from the joy of gathering.

Host a big, flavorful party in an apartment with ease

So, we’ve gone over tips and tricks that explain how to make an entire holiday meal in an apartment. Now, it’s time for you to draft up your own guest list, set a date for your party and start meal prepping! We hope these helpful hacks will save you time and space and allow you to host a party people won’t forget.

Sage Singleton is a freelance writer with a passion for literature and words. She enjoys writing articles that will inspire, educate and influence readers. She loves that words have the power to create change and make a positive impact in the world. Some of her work has been featured on LendingTree, Venture Beat, Architectural Digest, Porch.com and Homes.com. In her free time, she loves traveling, reading and learning French.

Source: rent.com

Apache is functioning normally

Apache is functioning normally

As we’re sure you’ve noticed, photobooths are totally a thing at weddings these days. They’re a chance for people to act silly and enjoy themselves while providing you endless laughter and entertainment while sifting through photos months later. Sure the fake mustaches, silly hats and drunken group snaps may be starting to feel a little….tired, but the perfect place for a photo-opp is not just a trend, it’s a necessity! Your photographer is never going to get to snap candid pics of all your guests and besides – offering up an activity is furn for everyone. But we’ve been feeling ready for a fresh spin on the idea and thought you might be too. So if all those neon boas and oversized plastic sunnies are not really your pinky-in-the-air cup of tea, we’ve got the most epicly chic alternative for you! You’re going to love this wedding floral DIY.

Instead of hiring a company to create a photobooth backdrop for your wedding, or renting a clunky actual booth, we urge you to give this simple DIY a try! A fresh floral garland balloon backdrop is not only gorgeous and sophisticated, it’s SO versatile. Dot these babies throughout the dance floor, position them behind the bride and groom’s reception table, use them to create a stunning alter, the list is endless!  You only need a few things to recreate this look – the most important being some gorge blooms – and thankfully florist Natasha Kolenko is here to walk us through mastering the fresh floral garland!

How To Master The Floral Garland

You’ll Need:
> Thin gauge wire
> Pliers + floral sheers
> Fresh flowers + greens
> 36 inch round balloons

STEP 1: decide how long you’d like your garland to be. Cut a thin gauge wire to your desired length.

STEP 2: Choose your greens for the base of the garland. We used Ruskus and yummy smelling Jasmine vine as our base for a full, lush look. Trim excess stems from the greens and begin wrapping the stems around the wire until secure.

STEP 3: To add blooms to your garland, make bunches of 2-3 and wrap their stems together with wire, leaving approximately two inches of wire at each end. Use the ends of the wire to attach floral bunches to the garland. We used Anemones, white garden roses and white Tulips for a clean, crisp look.

STEP 4: When you are happy with your floral garland, wrap the wire on one end around the knot of the balloon. We used 36 inch round balloons and you can see in the pictures how the varying lengths and weights of the garlands affect the way they float. We love the idea of having some longer garlands draped on the floor with some shorter ones looking like they’re suspended in the air and, quite literally, floating around the room!

These balloons are simple and elegant and we love the way they just float effortlessly and dreamily around the space. Experiment and have fun with these massive balloons. They’re not only great for weddings. We think they’d be perfect for birthday parties, baby showers or any event you’re looking to make a giant statement.

And now that you’ve mastered the floral garland, use your skills to drape a garland across a table or around benches during the ceremony. All that’s left for you to do is to let your creativity soar!

original photography for apartment 34 by emily scott // art direction by bianca sotelo // florals + styling by natasha kolenko // florals c/o torchio nursery – visit them in the San Francisco flower mart! 

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Source: apartment34.com

Apache is functioning normally

Apache is functioning normally

As the Fourth of July approaches, cities nationwide gear up to host festivities that embody Independence Day’s spirit. From coast to coast, communities come together to celebrate with grandeur and excitement, showcasing their unique traditions and creating memories that last a lifetime.

In this Redfin article, we’ll take you on a journey to some cities with the largest displays of dazzling fireworks, vibrant parades, and live music performances. No matter where you live or traveling, get ready to witness unforgettable sights and sounds that will ignite your patriotic spirit.

The Fourth of July celebrations are unparalleled in the heart of the Big Apple. The iconic Macy’s Fourth of July Fireworks Spectacular lights up the city skyline with a dazzling display over the East River. As the fireworks burst into a symphony of colors, spectators can enjoy the lively atmosphere and patriotic music that fills the air. The event draws millions of visitors to the city each year, creating an electric energy that epitomizes the spirit of Independence Day.

Miami knows how to throw a sizzling Fourth of July party! Along the beautiful beaches, locals and tourists gather to soak up the sun and enjoy the festivities. With a vibrant blend of cultures, Miami offers a unique celebration at Lummus Park with a Latin flair. The city’s Independence Day Fireworks and Patriotic Concert is a spectacle to behold, where the fireworks light up the night sky above the Atlantic. From beachside barbecues to lively parades, Miami’s Fourth of July celebrations create a festive and lively atmosphere that showcases the city’s vibrant lifestyle.

Seattle celebrates Independence Day in the Pacific Northwest with its distinct charm. The city’s iconic Space Needle serves as a breathtaking backdrop for the firework extravaganza. The city’s most popular Fourth of July event happens at Gas Works Park on Lake Union, creating a mesmerizing display. Seattleites embrace the holiday spirit with various events, live music performances, and delicious food options. The cool summer breeze and panoramic views make Seattle’s Fourth of July celebrations a memorable experience for all who attend.

San Diego’s Fourth of July celebrations are as vibrant as its sunny weather. The city’s picture-perfect beaches set the stage for a day of outdoor fun and entertainment. From stunning fireworks shows, like Big Bay Boom to lively parades and concerts, San Diego offers something for everyone. Visitors can enjoy picnics in the parks, visit local craft fairs, or relax on the sandy shores. The festive atmosphere and warm coastal vibes make San Diego a top destination for those seeking a memorable Independence Day experience.

When it comes to the Fourth of July, Las Vegas takes the festivities to a whole new level. One of the most remarkable vantage points to witness this spectacular display is from the observation deck at The STRAT. Watch as the city lights up with a dazzling array of fireworks displays illuminating the famous Las Vegas Strip. Visitors can also enjoy outdoor concerts, pool parties, and themed events throughout the city. The lively energy makes it an unforgettable destination for those looking to celebrate in style.

Atlanta’s Fourth of July celebrations showcase the city’s rich history and vibrant culture. The Centennial Olympic Park serves as the centerpiece, hosting a grand fireworks show accompanied by live music performances. The park’s sprawling green spaces provide the perfect setting for picnics and various activities. Atlanta’s diverse communities celebrate with parades, food festivals, and captivating performances that reflect the city’s unique spirit. The warm Southern hospitality and patriotic pride make Atlanta a must-visit destination for Independence Day.

The nation’s capital, Washington, DC, offers an unmatched Independence Day celebration. The National Mall becomes a hub of patriotic festivities, featuring a mesmerizing fireworks display above the iconic monuments and memorials. The day begins with a parade showcasing the nation’s heritage, followed by concerts and performances that fill the air with patriotic melodies. Visitors can explore the city’s rich history by visiting renowned museums and landmarks, immersing themselves in the essence of American culture.

Source: redfin.com

Apache is functioning normally

Apache is functioning normally

Known around the world as a hub for outdoor activities, Denver is one of the few major cities that is able to offer residents and visitors alike the opportunity to get lost in some of the most pristine nature in the country and enjoy the fine dining, great nightlife and social benefits that come with a large local population.

Check out the hidden gems listed below and find your new favorite Denver hangout today.

Source: facebook.com/theplimoth

The best places to eat in Denver

Over the past decade, Denver has become a hotspot for innovative chefs and the dishes that help make their names. Here are eight of the top restaurants in Denver.

The Plimoth

The Plimoth perfectly encompasses everything you want in a neighborhood eatery. A warm and inviting interior paired with an expansive outdoor seating area make the Plimoth a great place to grab a bite in the Skyland neighborhood. This foodie’s paradise features a creative menu that constantly evolves to reflect what’s in season and what’s on the minds of the talented folks making the food.

Comal Heritage Food Incubator

Comal Heritage Food Incubator was founded with the goal of serving as a “platform for economic development for aspiring immigrant and refugee women entrepreneurs to learn the skills to find a great job in the industry or launch their own business…” It’s hard not to support a noble cause like that. Even better, the from-scratch food being churned out of this sustainable kitchen is top notch. With a menu that changes daily, your guess is as good as ours as to what you can expect, but rest assured, it will be better than whatever you’re making at home. You can find this hidden gem in South Globeville.

Jovanina’s Broken Italian

Jovanina’s Broken Italian is an undeniably cool Central Business District spot for great food and charming Italian decor. This place is so cool, in fact, that it has a basement speakeasy called Sotto Voce that used to serve as a gathering space during prohibition. So, looking to impress that special someone next date night? How does authentic Italian food followed by a nightcap in an exclusive speakeasy sound?

Q House

Q House is a hip hideout that’s small, welcoming and always crafting refined Chinese offerings in the kitchen. From duck lo mein to chicken wings and so much more, It’s entirely possible that every item on the menu is an undeniable home run. The team at Q House takes it up a notch by pairing their delicious plates with creative cocktails, purposefully selected wines and beer from all over the world. With a combo like that, you really can’t go wrong at Q House.

Woodie Fisher

Boasting one of the most awe-inspiring interiors in the Denver restaurant scene, Woodie Fisher is a Ballpark District restaurant serving up an eclectic selection of upscale plates. Take a look at the menu and it’s easy to see that their food draws inspiration from all around the globe. Soaring ceilings, tasteful greenery and a kitchen staff/front-of-house team that are second to none make this beautiful brick building a great option for a more upscale evening.

HOJA

By utilizing local and organic products whenever possible, the team at HOJA has created a sustainable spot to seek out fresh food and delicious drinks in the Platt Park area. The food selection skews more breakfast/lunch in style but they offer up craft cocktails in addition to great vibes until 8:00 PM Thursday – Sunday. Whether you’re starting your day with a breakfast burrito or capping it off with a passion fruit marg, if you find yourself at HOJA, you’re in for a good time.

WongWayVeg

WongWayVeg is a vegan food truck that can often be found in the South Park Hill area of Denver. This truck can be hired to cater weddings, baby showers and any other type of social or professional gathering. This woman-run truck serves up burgers, burritos barbecue and more all in peerless vegan form. If you’re in the market for scratch-made vegan comfort food, check out their website and track down the WongWayVeg truck today.

The Corner Beet

The Corner Beet is a North Capitol Hill-based restaurant that utilizes organic and locally-sourced ingredients wherever possible. This gem features a bright and airy interior, a great location and food that not only tastes good but has you feeling good after you eat it, too. Offering up everything from coffee and smoothies to salads and cocktails, this hip neighborhood shop is an ideal place to kill a few hours, grab a bite and watch the Denver locals go about their day.

Source: facebook.com/retrogradednvr

Four great places to grab a drink in Denver

Looking for a local watering hole to sip on a tasty cocktail? These four spots are the perfect place to grab a drink with some friends.

Retrograde

Retrograde is a small speakeasy hidden in the back of an ice cream shop. This little lounge serves up inventive cocktails with unique flavors under space-themed names. The great thing about Retrograde is that, if you encounter a wait while trying to get in, you can enjoy a scoop of some ice cream from the Sweet Action ice cream shop.

Run for the Roses

Run for the Roses is a secluded and swanky underground lair located at Dairy Block. This cozy lounge is the ideal spot to end your night with a classic cocktail made by a top-tier mixologist. If you’re hitting the town with a larger group, make a reservation ahead of time as Run for the Roses has private space available for more sizable parties.

The Wild

The Wild aims to be the premier spot in Downtown Denver for coffee, cocktails, wine, beer and spirits. As soon as you step inside, it’s easy to see they’ve accomplished just that. Sit down and enjoy a small plate paired with the libation of your choice and enjoy all that this perfectly curated space has to offer.

Forget Me Not

Forget Me Not is an elegant cocktail bar in the Country Club neighborhood. This hip spot features velvet couches, a beautiful bar under a big chandelier, great outdoor seating and colorful cocktails that taste as good as they look, and that’s saying something. If that’s not a recipe for a great night on the town in Denver, what is?

Source: facebook.com/novelstrandbrewingco

The best spots for a cold beer in Denver

There’s no denying it, Denver is a beer city. Here are four of the best spots to grab a cold one in the Mile High City.

Novel Strand

A brewer-owned and operated brewery, Novel Strand is as legit as it gets. Nestled in the heart of Baker, Novel Strand Brewing Company specializes in unique beers with flavors that you aren’t likely to find elsewhere. Always experimenting with new methods and ingredients, the creative folks behind this brewery are constantly “changing their DNA,” and that’s just the way they like it.

Cervecería Colorado

Cervecería Colorado operates under the noble idea of building bridges, not walls. That said, the bright muraled walls of the Cervecería Colorado building will likely be the first thing you notice when you pull up to their Highland location. Here you’ll find Mexican-inspired craft beers influenced by traditional flavors and executed with imagination. Stop by and sip on a cold one while breathing in the fresh Rocky Mountian air from the patio.

Crooked Stave

Crooked Stave was founded over a decade ago by the science-minded, creative brew guru, Chad Yakobson. Chad takes a progressive approach to brewing that “blends science and art through creativity and passion.” Pouring everything from sours to Mexican lagers to IPAs, if you’re a beer lover, this is the place for you. Stop by, kick back and crack open a sudsy creation with a few friends. Life in Denver doesn’t get much better than that.

14er Brewing Company and Beer Garden

“Uniquely crushable craft beers” serves as the driving principle behind River North Art District-based 14er Brewing Company and Beer Garden. This industrial space often hosts food trucks to accompany its killer selection of brews. Benefitting from an expansive beer garden, 14er is an ideal spot to get together with a large group or enjoy a little personal time over a pint. Regardless, 14er is inviting and always a good choice for a quality hang.

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Locally owned coffee shops in Denver

With so much to do in Denver, you’re going to want to stay caffeinated. These are four of the best coffee shops and cafes in Denver.

Sonder Coffee and Tea

Sonder Coffee and Tea is a cute and airy Cherry Creek coffee shop that has a truly great atmosphere. offering up exactly what you’re looking for in a morning pick-me-up spot, Sonder Coffee and Tea has kombucha and iced tea on tap as well as creative cold brews and pastries that can make all seem right in the world. That may be an exaggeration, but you really can’t go wrong with anything on the menu here.

Middle State Coffee

Middle State Coffee is a plant-filled, industrial-style space serving up some of the highest quality caffeinated cups of goodness in the Baker area. More than a simple coffee shop, Middle State also offers subscription and wholesale services in addition to strong Wi-Fi and stellar waffles. If you need a pick-me-up, you can always count on Middle State Coffee to provide quality fuel for your day.

Kaladi Coffee Roasters

With locations in Denver and Englewood, Kaladi Coffee Roasters is beloved by Colorado locals. Founded over 20 years ago, Kaladi sources only the highest-quality beans and leverages custom equipment to create coffee that simply tastes great. Regardless of how you take your morning cup of joe, if you’re filling up with Kaladi, you’re starting your day on the right foot.

Blue Sparrow Coffee

Blue Sparrow Coffee is a coffee-lovers coffee shop. Beautiful space, talented baristas and a menu that reflects the interests of the passionate people behind the scenes make this cafe truly one of a kind. Stop in for a house-made chai, refreshing matcha or fresh pastry to get your day going. With nitro cold brew, kombucha and CBD lattes on offer, there’s something at this shop for everyone. Stop in and see for yourself.

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Where to watch a live show in Denver

There’s no shortage of gifted performers in Denver. Catch a show at one of the following venues and soak up some local talent.

Lost Lake Lounge

Lost Lake Lounge hosts local and touring acts in an intimate venue with a killer sound system. Dive bar vibes meet next-level stage talent in this locally loved live music venue. Closing in on a decade in the Congress Park area, Lost Lake Lounge has become a staple in the community and has given local creatives a place to take the stage or kick back and enjoy a show.

Denver Comedy Works

As one of the most celebrated comedy clubs in the country, Denver Comedy Works is probably too high profile to be considered a hidden gem, but still worth mentioning here nonetheless. To put it simply, if you’re a comedy fan in the Denver area, Denver Comedy Works is your best bet to get your laugh on. Check out the schedule and get your tickets to a show today.

Mercury Cafe

Mercury Cafe is an undeniably funky performance venue that provides stage time for musicians, poets and people of all practices with a story to tell. Offering organic eats alongside soulful performances, Mercury is a welcoming space that embraces the people and passions that make Denver an entirely unique mountain city.

The Lodge at Woods Boss

Small enough for intimate gatherings but large enough to accommodate an audience of up to 100 people, The Lodge at Woods Boss is a live performance venue and event space located within Woods Boss Brewing. The owners say the space was designed with celebrations and special occasions in mind, and that vibe comes through strong from the second you enter the space. Sign up for an open mic night or catch an acoustic show with a cold beer.

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Enjoy the great outdoors in Denver

Going to Denver and not enjoying the great outdoors is like going to the beach and not getting sandy, you just can’t do it.

Improper City

Improper City is a beer garden that hosts food trucks in its expansive outdoor area. If you like your daily dose of nature to be paired with a delicious taco and cold drink, Improper City is the spot for you. The outdoor patio is dog and kid-friendly, so don’t be afraid to invite the whole family for a day of delicious food and refreshing drinks under the Denver sun.

Sloan’s Lake Park

As the largest lake, and second-largest park, in Denver, Sloan’s Lake Park is a beacon of natural beauty in the West Highland section of Denver. With a path encircling the lake, Sloan’s Lake Park is a great place to get your steps in away from the hustle and bustle of the city surrounding this serene oasis. Sloan’s Lake also plays host to the Colorado Dragon Boat Festival, if you’re lucky enough to be in town for that, it’s a must-see.

Denver Trail System

Denver boasts over eighty miles of off-road, multi-use recreational trails within the city limits. With so much space to run, pedal, rollerblade and more, there’s no excuse to not get out and explore the different areas of the city connected by the expansive trail system.

Washington Park

Known locally as “Wash Park,” Washington Park is located southeast of downtown Denver and features sporting facilities, flower gardens, walking trails and so much more. Surrounded by residential housing, Washington Park serves as a meeting place, workout center and communal hub for the area and is always buzzing with activity. Feeling down on a slow day? head to Wash Park for the type of spiritual pick-me-up only the great outdoors can provide.

You can do it all in Denver

Whether you’re a foodie looking for your next great meal or an outdoor enthusiast hoping to find home in a place with parks and other opportunities for recreational activities nearby, Denver has something to offer everyone. Stop by any of the local spots listed above and enjoy the best of what the Mile High City has to offer.

Source: rent.com