Rent Archives - Page 52 of 612

Apache is functioning normally

June 14, 2024 by Brett Tams

Inside: Learn what 16 an hour is how much a year, month, and day. Plus tips to budget your money. Don’t miss the ways to increase your income.

You’re probably wondering if I made $16 a year, how much do I truly make? What will that add up to over the course of the year?

Is $16 a living wage?

Is this wage something that I can actually live on? Or do I need to find ways that I can increase my hourly wage?

In this post, we’re going to detail exactly what $16 an hour is how much a year. Also, we are going to break it down to know how much is made per month, bi-weekly, per week, and daily.

That will help you immensely with how you spend your money. Because too many times the hard-earned cash is brought home, but there is no actual plan for how to spend that money.

By taking a step ahead and making a plan for the money, you are better able to decide how you want to live, make sure that you put your money goals first, and not just living paycheck to paycheck struggling to survive.

The ultimate goal with money success is to be wise with how you spend your money.

Knowing 16 dollars an hour is how much a year will help you manage money wisely.

If that is something you want too, then keep reading. You are in the right place.

$16 an Hour is How Much a Year?

When we ran all of our numbers to figure out how much is $16 per hour is as an annual salary, we used the average working day of 40 hours a week.

40 hours x 52 weeks x $16 = $33,280

$33,280 is the gross annual salary with a $16 per hour wage.

As of June 2023, the average hourly wage is $33.58 (source).

Let’s breakdown how that number is calculated.

Typically, the average work week is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, multiple the hourly salary of $16 times 2,080 working hours, and the result is $33,280.

That number is the gross income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.

That is just above the $32000 salary, which is a lower starter salary, but well below where you want to start about a $43000 salary.

Work Part Time?

But you may think, oh wait, I’m only working part time. So if you’re working part time, the assumption is working 20 hours a week at $16 an hour.

Only 20 hours per week. Then, take 20 hours times 52 weeks and that equals 1,040 working hours. Then, multiple the hourly salary of $16 times 1,040 working hours, and the result is $16,650.

How Much is $16 Per Month?

On average, the monthly amount would average $2,773.

Annual Amount of $33,280 ÷ 12 months = $2,773 per month

Since some months have more days and fewer days like February, you can expect months with more days to have a bigger paycheck. Also, this can be heavily influenced by how often you are paid and on which days you get paid.

Work Part Time?

Only 20 hours per week. Then, the monthly amount would average $1,387.

How Much is $16 per Hour Per Week

This is a great number to know! How much do I make each week? When I roll out of bed and do my job, what can I expect to make at the end of the week?

Once again, the assumption is 40 hours worked.

40 hours x $16 = $640 per week.

Work Part Time?

Only 20 hours per week. Then, the weekly amount would be $320.

Here are jobs that pay weekly.

How Much is $16 per Hour Bi-Weekly

For this calculation, take the average weekly pay of $640 and double it.

$640 per week x 2 = $1,280

Also, the other way to calculate this is:

40 hours x 2 weeks x $16 an hour = $1,280.

Work Part Time?

Only 20 hours per week. Then, the bi-weekly amount would be $640.

How Much is $16 Per Hour Per Day

This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.

8 hours x $16 per hour = $128 per day.

If you work 10 hours a day for four days, then you would make $160 per day. (10 hours x $16 per hour)

Work Part Time?

Only 4 hours per day. Then, the daily amount would be $64.

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

E-Printables Course

Are you ready to start selling on Etsy? Great!

Now, learn from the experts, so you are successful from the start. Learn everything else that goes into actually making money with this side hustle.

Spend time making products that have the best chance of selling.

Making printables is FUN, but it’s even more fun when it’s PROFITABLE!

Join the Waitlist

$16 Per Hour is…

$16 per Hour – Full Time	Total Income
Yearly Salary (52 weeks)	$33,280
Yearly Wage (50 weeks)	$32,000
Monthly Salary (173 hours)	$2,773
Weekly Wage (40 Hours)	$640
Bi-Weekly Wage (80 Hours)	$1,280
Daily Wage (8 Hours)	$128
Net Estimated Monthly Income	$2,117

^{**These are assumptions based on simple scenarios.}

Do you know how many work days in a year you work? This answer may surprise you.

Paid Time Off Earning 16 Dollars an Hour

Does your employer offer paid time off?

As an hourly employee, you may or may not get paid time off.

So, here are the scenarios for both cases.

For general purposes, we are going to assume you work 40 hours per week over the course of the year.

Case # 1 – With Paid Time Off

Most hourly employees, get two weeks of paid time off which is equivalent to 2 weeks of paid time off.

In this case, you would make $33,280 per year.

This is the same as the example above for an annual salary making $16 per hour.

Case #2 – No Paid Time Off

Unfortunately, not all employers offer paid time off to their hourly employees. While that is unfortunate, it is best to plan for less income.

Life happens. There will be times you need to take time off for numerous reasons – sick time, handling an emergency, or even vacation.

So, let’s assume you take 2 weeks off without paid time off.

That means you would only work 50 weeks of the year instead of all 52 weeks. Take 40 hours times 50 weeks and that equals 2,000 working hours. Then, multiply the hourly salary of $16 times 2,000 working hours, and the result is $32,000.

40 hours x 50 weeks x $16 = $33,000

You would average $128 per working day and nothing when you don’t work.

$16 an Hour is How Much a year After Taxes

Let’s be honest… Taxes can take up a big chunk of your paycheck. Thus, you need to know how taxes can affect your hourly wage.

Also, every single person’s tax situation is different.

On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.

Gross Annual Salary: $33,280

Federal Taxes of 12%: $2,994
State Taxes of 4%: $1,331
Social Security and Medicare of 7.65%: $2,546

$16 an Hour per Year after Taxes: $25,409

This would be your net annual salary after taxes.

To turn that back into an hourly wage, the assumption is working 2,080 hours.

$25,409 ÷ 2,080 hours = $12.22 per hour

After estimated taxes and FICA, you are netting $12.22 an hour. That is $3.78 an hour less than what you planned. A very significant amount when managing your money.

This is a very highlighted example and can vary greatly depending on your personal situation. Therefore, here is a great tool to help you figure out how much your net paycheck would be.

Plus budgeting on a just over $12 an hour wage is much different.

$16 an Hour Salary

Now, you get to figure out how much you make based on your hours worked or if you make a wage between $16.01-16.99.

This is super helpful if you make $16.25 or $16.35.

@media (max-width:480px)#cp_calculatedfieldsf_pform_1min-height:1642px;@media (max-width:768px)#cp_calculatedfieldsf_pform_1min-height:1282px;@media (max-width:1024px)#cp_calculatedfieldsf_pform_1min-height:1282px;@media (min-width:1024px)#cp_calculatedfieldsf_pform_1min-height:1282px;

$16 an Hour Budget – Example

You are probably wondering can I live on my own making 16 dollars an hour? How much rent can you afford on 16 an hour?

Using our Cents Plan Formula, this is the best case scenario on how to budget your $16 per hour paycheck.

When using these percentages, it is best to use net income because taxes must be paid.

In this example, above we calculated $16 an hour was $12.22 after taxes. That would average $2,117 per month.

According to the Cents Plan Formula, here is the high level view of a $16 per hour budget:

Basic Expenses of 50% = $1,058.72
Save Money of 20% = $423.49
Give Money of 10% = $211.74
Fun Spending of 20% = $423.49
Debt of 0% = $0

Obviously, that is not doable for everyone living above the poverty line. So, you have to be strategic in ways to decrease your basic expenses and debt. Then, it will allow you more money to save and fun money.

To further break down an example budget of $16 per hour, then using the ideal household percentages is extremely helpful.

recommended budget percentages based on $16 per hour wage:

Category	Ideal Percentages	Sample Monthly Budget
Giving	10%	$139
Savings	15-25%	$416
Housing	20-30%	$777
Utilities	4-7%	$139
Groceries	5-12%	$211
Clothing	1-4%	$14
Transportation	4-10%	$111
Medical	5-12%	$139
Life Insurance	1%	$14
Education	1-4%	$21
Personal	2-7%	$55
Recreation / Entertainment	3-8%	$83
Debts	0% – Goal	$0
Government Tax (including Income Taxes, Social Security & Medicare)	15-25%	$656
Total Gross Income		$2,773

^**^{In this budget, prioritization was given to basic expenses. Thus, some categories like giving and saving were less.}

A great way to lower your transportation costs is to buy a beater car.

Can I Live off $16 Per Hour?

Even living above the minimum wage by $3-4 can be a very difficult situation.

Is it doable? Absolutely.

You just have to be wiser (or frugal) with your money and how you spend the hard-earned cash you have been blessed with.

A lot of times when people are making under near the minimum wage mark or slightly above, they feel like they are in this constant cycle that they can never keep up. They are not good enough to make more money. Feel like they are constantly struggling to keep up with bills and expenses. And things just keep adding on top.

You need to do is change your money mindset.

This is what you say to yourself… Okay, this is my season of life right now. I have aspirations and goals to change how much I make, but for now, I am going to make sure that I am able to live on my 16 dollars per hour. No going into debt for me.

In the next section, we will dig into ways to increase your income, but for now, is it possible to live on $16 an hour?

Yes, you can do it, and as you can see it is possible with the sample budget of $16 per hour.

Living in a higher cost of living area would be more difficult. So, you may have to get a little creative. For example, you might have to have a roommate. Move to a lower cost of living area where rent is cheaper.

Also, you must evaluate your “fun spending” items. Many of those expenses are not mandatory and will break your budget. You can find plenty of free things to do without spending money.

5 Ways to Increase Your Hourly Wage

This right here is the most crucial section of this post.

You need to figure out ways to increase your hourly income because I’m going to tell you…you deserve more. You do a good job and your value is higher than what your employers pay you.

Even an increase of 50 cents to $16.50 will add up over the year. An increase to $17 an hour is even better!

1. Ask for a Raise

The first thing to do is ask for a raise. Walk right in and ask for a raise because you never know what the answer will be until you ask.

If you want the best tips on how specifically to ask for a raise and what the average wage is for somebody doing your job, then check out this book. In this book, the author gives you the exact way to increase your income. The purchase is worth it or go down to the library and check that book out.

2. Look for A New Job

Another way to increase your hourly wage is to look for a new job. Maybe a completely new industry.

It might be a total change for you, but many times, if you want to change your financial situation, then that starts with a career change. Maybe you’re stressed out at work. Making $16 an hour is too much for you and you’re not able to enjoy life, maybe changing jobs and finding another job may increase your pay, but it will also increase your quality of life.

Many low stress jobs after retirement pay in this range.

3. Find a New Career

Because of student loans, too many employees feel like they are stuck in the career field they chose. They feel sucked into the job that they don’t like or have the potential they thought it would.

For many years, I was in the same situation until I decided to do a complete career change. I am glad I did. I have the flexibility that I needed in my life to do what I wanted when I needed to do it. Plus I am able to enjoy my entrepreneurial spirit.

4. Find Alternative Ways to Make Money

In today’s society, you need to find ways to make more money. Period.

There is no way to get around it. You need to find additional income outside a traditional nine to five position or typical 40 hour a week job. You will reach a point where you are maxed on what you can make in your current position or title. There may be some advancement to move forward, but in many cases, there just is not much room for growth.

So, you need to find a side hustle – another way to make money.

Do something that you enjoy, turn your hobby into a way to make money, turn something that you naturally do, and help others into a service business. In today’s society, the sky is the limit on how you can earn a freelancing income.

5. Earn Passive Income

The last way to increase your hourly wage is to start earning passive income.

This can be from a variety of ways including the stock market, real estate, online courses, book sales, etc. This is where the differentiation between struggling financially and being financially sound.

By earning money passively, you are able to do the things that you enjoy doing and not be loaded down, with having a job that you need to work, and a place that you have to go to. And you still make money doing nothing.

Here is an example:

You can start a brokerage account and start trading stocks for $50. You need to learn and take the one and only investing class I recommend. Learn how the market works, watch videos, and practice in a simulator before you start using your own money.

One gentleman started with $5,000 in his trading account and now has well over $36,000 in a year. Just from practice and being consistent, he has learned that passive income is the way for him to increase his income and also not be a slave to his job.

Tips to Live on $16 an Hour

In this last section, grasp these tips on how to live on $16 an hour. On our site, you can find lots of money saving tips to help stretch your income further.

Here are the most important tips to live on $16 an hour. Highlight these!

1. Spend Less Than You Make

First, you must learn to spend less than you make.

If not you will be caught in the debt cycle and that is not where you want to be. You will be consistently living paycheck to paycheck.

In order to break that dreadful cycle, it means your expenses must be less than your income.

And when I say income, it’s not the $16 an hour. As we talked about earlier in the post, there are taxes. The amount of taxes taken out of your paycheck is called your net income which is $16 an hour minus all the taxes, FICA, Social Security, and Medicare are taken out. That is your net income.

So, your net income has to be less than your net income.

2. Living Below Your Means

You need to be happy. And living on less can actually make you happier. Studies prove that less is better.

Finding contentment in life is one thing that is a struggle for most.

We are driven to want the new shiny toy, the thing next door, the stuff your friend or family member got. Our society has trained you that you need these things as well.

Have you ever taken a step back and looked at what you really need?

Once you are able to find contentment with life, then you are going to be set for the long term with your finances.

Here is our story on owning less stuff. We have been happier since.

Learn how to live below your means.

3. Make Saving Money Fun

You need to make saving money fun. If you’re good, since you must keep your expenses low, you have to find ways to make your savings fun!

Find new ways of saving money and have fun with it.

Even better, get your family and kids involved in the challenge to save money. Tell them the reason why you are saving money and this is what you are doing.

Here are things to do with no money. Free activities without costing you a dime. That is an amazing resource for you and you will never be bored.

And you will learn a lot of things in life you can do for free. Personally, some of the best ones are getting outside and enjoying some fresh air.

4. Make More Money

If you want if you do not settle for less, then find ways to make more money. If you want more out of life, then increase your income.

You need to be an advocate for yourself.

Find ways to make more money.

It could be a side hustle, a second job, asking for a raise, going to school to change careers, or picking up extra hours.

Whatever path you take, that’s fine. Just find ways to make more money. Period.

Here are the best ways to make money online for beginners!

5. No State Taxes

Paying taxes is one option to increase what you take home in each paycheck.

These are the states that don’t pay state income taxes on wages:

Alaska
Florida
Nevada
New Hampshire
South Dakota
Tennessee
Texas
Washington
Wyoming

It is very interesting if you take into account the amount of state taxes paid compared to a state with income taxes.

Also, if you live in one of the higher taxed states, then you may want to reconsider moving to a lower cost of living area. The higher taxes income tax states include California, Hawaii, New Jersey, Oregon, Minnesota, the District of Columbia, New York, Vermont, Iowa, and Wisconsin. These states tax income somewhere between 7.65% – 13.3%.

6. Stick to a Budget

You need to learn how to start a budget. We have tons of budgeting resources for you.

While creating a budget is great, you need to learn how to use one.

You do not have to budget down to every last penny.

You need to make sure your expenses are less than your income and you are creating sinking funds for those irregular expenses.

Budget Help:

7. Pay Off Debt Quickly

The amount that you pay interest on debt is absolutely absurd.

Unfortunately, that is how many of these companies make their money from the interest you pay on debt.

If you are paying 5% to even 20-21% or higher, you need to find ways to lower that debt quickly.

Here’s a debt calculator to help you. Figure out your debt free date.

Make that paying off debt fast is your target and main focus. I can tell you from personal experience, that it was not until we paid off our debt that we finally rounded the corner financially. Once our debt was paid off, we could finally be able to save money. Set money aside in separate bank accounts and pay for cash for things.

It took us working hard to pay off debt. We needed persistence and patience while we had setbacks in our debt free journey.

Jobs that Pay $16 an Hour

You can find jobs that pay $16 per hour. Polish up that resume, cover letter, and interview skills.

Job Search Hint: Always send a written follow-up thank you note for your interview. That will help you get noticed and remembered.

First, look at the cities that require a minimum wage in their cities. That is the best place to start to find jobs that are going to pay higher than the federal minimum wage rate. Many of the cities are moving towards this model so, target and look for jobs in those areas.

Possible Ideas:

Administrative assistant
Customer service representatives
Housecleaning specialist
Delivery drivers
Bus drivers
School Paraeducators
Warehouse workers

Companies that pay more than $16 per hour:

Target
In-N-Out Burger
Whole Foods
McDonald’s
Macy’s
Advance Auto Parts
Whataburger
Most local grocery chains
Many hotels
Charter Communications
Wells Fargo
Bank of America
JP Morgan
most local schools

Plus many more in HCOL areas only!

$16 Per Hour Annual Salary

In this post, we detailed 16 an hour is how much a year. Plus all of the variables that can impact your net income. This is something that you can live off.

How much is 16 dollars an hour annually…

$33,280

This is slightly over $33,000 per year. Consequently, we highlighted ways to increase your income as well as tips for living off your wage.

Use the sample budget as a starting point with your expenses.

You will have to be savvy and wise with your hard-earned income. But, with a plan, anything is possible!

Learn exactly how much do I make per year…

Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Source: moneybliss.org

Apache is functioning normally

June 14, 2024 by Brett Tams

Nevada is a state full of surprises, blending the glitz of Las Vegas with the serenity of Lake Tahoe and the mystery of Area 51. From the lively nightlife of the Las Vegas Strip to the historical charm of Virginia City, Nevada’s unique attractions draw millions each year. But what else is Nevada known for? Whether you’re looking to buy or rent a home in Reno, move into an apartment in Carson City, or you’re just passing through, you’ll quickly discover that this state has much more to offer than meets the eye. In this article, we’ll explore what makes Nevada unique and why so many are proud to call it home. Let’s jump in.

1. The iconic Las Vegas Strip

The Las Vegas Strip is famous for its neon lights, luxury resorts, and world-class entertainment. Iconic casinos like The Bellagio, Caesars Palace, and MGM Grand attract millions annually. Visitors enjoy spectacular shows, including Cirque du Soleil and top musical performances. The Strip’s nightlife is unmatched, with clubs like Hakkasan and Omnia. This area is also home to Michelin-starred restaurants and unique attractions like the Fountains of Bellagio.

2. Basque cuisine

Nevada is known for its unique Basque cuisine, introduced by Basque immigrants. Basque cuisine features hearty dishes with ingredients like seafood, lamb, and peppers, often served in generous portions and accompanied by communal dining traditions. Restaurants like the Star Hotel in Elko serve these traditional dishes with specialties including lamb stew, chorizo, and picon punch.

3. Stunning beauty of Lake Tahoe

Lake Tahoe is renowned for its awe-inspiring natural beauty and year-round recreation. In winter, visitors enjoy skiing at resorts like Heavenly and Squaw Valley. Summer activities include boating, hiking, and swimming in crystal-clear waters. The lake’s shoreline offers scenic drives and picturesque views. Tahoe also hosts annual events like the Lake Tahoe Shakespeare Festival.

4. Mysterious Area 51

Area 51, a highly secretive military installation in Nevada’s desert, has become synonymous with UFO conspiracy theories and extraterrestrial sightings. Located near Groom Lake, this facility is off-limits to the public, fueling speculation about its purpose and activities. Popular culture references in movies, TV shows, and books have perpetuated its mystique. Nearby attractions like the Alien Research Center and the annual Alienstock festival in Rachel celebrate the area’s lore.

5. Hoover Dam

The Hoover Dam, a monumental feat of engineering on the Nevada-Arizona border, stands as a symbol of American ingenuity and resource management. Completed in 1936 during the Great Depression, it harnesses the Colorado River’s power to generate hydroelectricity, supplying water to millions in the Southwest. Rising 726 feet tall and spanning 1,244 feet across Black Canyon, its construction required millions of cubic yards of concrete. Visitors can tour the dam, marvel at its art deco design, and learn about its role in transforming the desert landscape into fertile agricultural regions.

6. Burning Man festival

Burning Man, held annually in Nevada’s Black Rock Desert, is a unique cultural phenomenon that blends art, self-expression, and communal living. Participants from around the world create a temporary city called Black Rock City, characterized by massive art installations and themed camps. The event culminates in the burning of a large wooden effigy, symbolizing renewal and community. Attendees engage in various forms of artistic expression, from performance art to interactive experiences and workshops. Burning Man has grown into a global movement, inspiring similar events and fostering a community of “Burners.”

Fun facts Nevada is famous for

Nevada is the driest state in the United States, with an average annual rainfall of about 7 inches.
The state of Nevada has more mountain ranges than any other state in the U.S., with over 300 individual ranges.
Las Vegas is often called the “Wedding Capital of the World” because over 100,000 marriage licenses are issued there each year.

7. Historic silver mining town of Virginia City

Virginia City is honored for its rich history stemming from the 19th-century silver mining boom. Once a bustling hub with famous residents like Mark Twain, its preserved Victorian architecture and museums offer glimpses into the past. Visitors can explore historic saloons, take rides on the Virginia & Truckee Railroad, and witness unique events such as the annual Camel and Ostrich Races. The town’s lively atmosphere and Wild West charm make it a popular destination for history buffs and adventurers alike.

8. Great Basin National Park

Great Basin National Park, situated in eastern Nevada, is celebrated for its rugged beauty and diverse ecosystems. At its heart lies Wheeler Peak, towering over 13,000 feet and offering hiking trails that lead through ancient bristlecone pine forests, some of the oldest living organisms on Earth. The park’s centerpiece, Lehman Caves, features stunning limestone formations and guided tours that showcase its underground marvels. Known for its pristine night skies, the park hosts astronomy programs and the Great Basin Astronomy Festival, attracting stargazers from around the world.

9. Dynamic city of Reno

Reno, often called “The Biggest Little City in the World,” offers plenty of casinos and entertainment options. Other than that, the city features The National Automobile Museum which showcases over 200 vintage cars. The annual Reno Air Races and Hot August Nights car festival draw crowds. Additionally, the nearby Truckee River provides outdoor activities, such as kayaking and fishing.

10. Red Rock Canyon

Red Rock Canyon, just a short drive from Las Vegas features striking red sandstone formations and outdoor recreational opportunities. Visitors can explore numerous hiking trails like Calico Tanks and Ice Box Canyon, offering panoramic views of the Mojave Desert landscape. Rock climbers flock to its challenging cliffs, while the 13-mile scenic drive provides access to various viewpoints and picnic areas. The Visitor Center serves as a gateway to the canyon’s geological wonders, providing educational exhibits on its diverse flora, fauna, and Native American history.

11. Lake Mead

Lake Mead, formed by the Hoover Dam on the Colorado River, is a testament to Nevada’s engineering prowess and natural beauty. Spanning across the desert landscape, it offers abundant opportunities for boating, fishing, and water sports. The lake’s shoreline, dotted with marinas and campgrounds, invites visitors to explore its hidden coves and sandy beaches. Surrounding Lake Mead National Recreation Area boasts scenic hiking trails like the Historic Railroad Trail, showcasing remnants of the area’s railroad history.

Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.

Source: rent.com

Apache is functioning normally

June 14, 2024 by Brett Tams

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:

Learn how moving could benefit you if you feel compelled to relocate due to safety concerns — and how to budget for a sudden move.

How do you financially and emotionally prepare for relocating due to safety concerns?

What are the financial impacts of such a forced move?

Hosts Sean Pyles and Alieza Durana discuss their experiences planning finances for relocations to help you understand the complex challenges faced by individuals seeking safer environments, particularly in the LGBTQ+ community.

Alieza begins by interviewing G Chesler, a non-binary trans person, about their move from Washington DC to Portland, Oregon, providing valuable insight into the necessity of finding a supportive community, navigating healthcare and identity respect, and the emotional relief of living in an affirming environment. Their conversation reveals the deep emotional impact of living in a state that does not recognize or respect one’s gender identity, the struggles with accessing appropriate healthcare and the powerful sense of belonging found in a more accepting community.

Then, Alieza speaks with Lindsey Young, founder of the LGBTQ+ focused financial planning and investment management services firm Quiet Wealth, about the financial aspects of relocating for safety. They discuss creating a relocation financial plan, managing the costs associated with a sudden move and the importance of building a supportive community in the new location. They also focus on how to minimize income loss, budget for moving expenses and strategically utilize debt. This episode addresses two pressing issues for the LGBTQ+ community: the urgency of relocating due to hostile environments and the strategies to mitigate the financial strain that accompanies such a move.

Check out this episode on your favorite podcast platform, including:

NerdWallet stories related to this episode:

Episode transcript

This transcript was generated from podcast audio by an AI tool.

Sean Pyles:

There are lots of reasons you might choose to move. A new job, a desire to live in a different part of the country or world. But for some people it doesn’t feel like a choice. They’re moving because their states, their neighbors have made them feel unwelcome and even unsafe.

Today we’re looking at the financial ramifications of moving, because as a member of the LGBTQ+ community, sometimes it’s not an option to stay put. Welcome to NerdWallet’s Smart Money Podcast. I’m Sean Pyles.

Alieza Durana:

And I’m Alieza Durana.

Sean Pyles:

Alieza, welcome to the host chair here at Smart Money.

Alieza Durana:

Thanks so much, Sean. Glad to be here.

Sean Pyles:

Well, today addressing a difficult decision that some members of the LGBTQ+ community have to face: whether to move to another state because of laws that are unfriendly or even hostile to them. This decision can cause a lot of financial upheaval while they search for safety. Alieza, you came to us a while ago with the idea for this episode. Can you share with us a bit about why?

Alieza Durana:

Absolutely, Sean. This is a personal decision my family is facing in Utah. In January, we had a sober conversation with close friends about the safety of our queer Latina family in our current political climate. G, who you’ll meet shortly, offered us their home in Portland if we ever needed to make a quick exit from the state.

Sean Pyles:

Well, Alieza, I’m really sorry to hear that you and your family are facing such a difficult decision in the place that you’ve called home. And unfortunately we know that your situation isn’t unique in today’s political climate.

Alieza Durana:

And Sean, there are statistics to back up the needs some LGBTQ+ people have to move. In just the last two years, the number of states banning gender-affirming care has jumped from four to 25. That’s half of US states. Two thirds of states have laws that use a person’s HIV positive status to penalize certain activities.

And a 2024 Washington Post analysis of FBI crime data showed quadrupling hate crimes in K-12 schools in response to restrictive laws. My wife and I now have a child whose safety at school is at the top of our minds. A survey back in 2017 by NPR and the Robert Wood Johnson Foundation found that threats, harassment and violence were reported as a part of everyday life by more than half the LGBTQ+ community. So the idea that many in our community feel they have no choice but to move isn’t surprising.

Sean Pyles:

It’s certainly not. All right, well we want to hear what you think too, listeners, to share your stories and ideas with us, leave us a voicemail or text the Nerd hotline at (901) 730-6373. That’s (901)-1730 N-E-R-D, or email a voice memo to [email protected]. So Alieza, where do we start today?

Alieza Durana:

To set the scene, we’re speaking to a dear friend of mine who did exactly this. They moved away from a place where they felt unwelcome. I met G Chesler at a yoga retreat in Shenandoah, Virginia. We quickly realized we were neighbors in Washington DC and had been attending the same concerts and movie theaters for years.

G uses they/them pronouns and is a filmmaker and professor. We happily fell into a friendship, which became especially important to me as I came out to my family and got married to my wife, Haley. My family, unfortunately couldn’t handle it and coming out resulted in an estrangement from certain members of my family of origin.

Around that same time, G began their own transition and came out as non-binary. Unfortunately, they also faced cruelty and rejection from their family of origin. As hard as that was, our friendship helped me get through that difficult time. In March of 2020, my wife and I moved from my hometown of Washington DC, to her home state of Utah, to be closer to her family who generously welcomed our love.

So as unusual as it may sound, my adopted family in Utah absolutely provided us a refuge and support away from my father’s bigotry and cruelty to start over. Not long after, G and their partner moved from DC to Portland, Oregon. We’ll hear about that decision in our conversation to come. G, so glad to have you here on Smart Money.

G Chesler:

Oh, thanks Alieza for welcoming me to the program.

Alieza Durana:

Could you tell us a little bit about what inspired your recent move?

G Chesler:

Yeah, sure. I mean, it’s long and complicated. It intersects with disability and gender and the Covid pandemic. In short, I have a position that allows me to work remotely because I am disabled and I was working remotely from Washington DC to my university in Virginia. And it was Covid times. DC was a city that was impacted in so many different ways, particularly overlapping with the administration.

I had transitioned gender publicly and I had asked my employer in Virginia to change my pronouns in my records because whenever I go to the doctor or deal with my retirement accounts, I was having a lot of difficulty because my gender was reflecting my gender assigned at birth. And in my personal life, I was just having trouble navigating spaces.

I just felt like as a trans person with a trans partner, I would be better served living in an environment where my gender was understood, where I could have healthcare providers understand my pronouns and not question them. And we started thinking together about where that might be.

Alieza Durana:

Wow, it sounds so incredibly difficult, the things that we take for granted of being recognized and affirmed and being able to access services that had become so challenging and scary in some ways for you, especially crossing those borders between DC and Virginia and the benefits and protections that they offered you or didn’t.

Are there any other specific events that prompted you to say, I need to move to another state? Is there anything else about your experience living in Washington DC as a trans person that was really significant for you?

G Chesler:

I mean, I know a lot of queer folks in DC. I know several trans people in DC. But it never felt like the majority, right? It never felt like I was part of the fabric of a community as a trans person, as a non-binary trans person, which is how I identify. But ultimately one of the deciding factors was when my employer told me that my pronouns might confuse my retirement holder, TIAA-CREF, if they really changed them in the records. That took me back. It was so strange.

It was like, wait, what are you saying about my retirement account right now? So on the financial side, that was a big red flag to me. The other one was that the state refused to change my pronouns even though I have a DC driver’s license with an X marker, but they just wouldn’t do it. And they were like, well, you could take it up with the state diversity office or what have you.

And I just thought, I’m not going to be that case, am I? I tried to find other colleagues in the LGBTQ group who were having similar challenges. I couldn’t find them, and around the time I had transitioned publicly, I had come to Portland and I walk into a cafe and there’s a sign on the register that says, please use they/them pronouns for all employees unless they tell you otherwise, and we’ll do the same for you.

Please feel free to tell us what your pronouns are. It was like, wait, what? And then I went to the work event. Everybody has their pronouns on their name tags. The bathrooms are not gendered. It was like, oh, this actually is a reality that exists elsewhere. I am a reality elsewhere.

Alieza Durana:

All of the hoops that you are being made to jump through just to exist, they were suddenly gone, it sounds like.

G Chesler:

Yeah, they were already set up. They were already in the future. I often talk about Virginia as a place of the past and certainly I have a lot of privilege as a white person working there, but that state has quite a legacy of enslavement and of white supremacy and of hetero patriarchy.

I remember being hired to teach in Virginia and my colleague’s like, “You’re going to help change things here.” And I believe that I do as a remote educator, but I do get to work from a place where I feel seen and safe and in community.

Alieza Durana:

Absolutely. Were there any primary financial concerns that came up for you when you were thinking about your move or leaving Virginia and DC and going to Portland? If you wouldn’t mind speaking to that.

G Chesler:

While I’m a university educator, I’m also a student loan holder, and so at the time of my hopes to move, I still had my student loan. I also had owned an apartment in DC and I was attempting to sell it at a time when people were not living and working in DC as readily as they had once lived and worked because it was the pandemic.

So the challenge I was facing was living in a city where folks who might want to buy my apartment or condo were not readily available. And I had to wait about nine months to be able to sell that condo at a profit, which meant I was living with my partner across town so that people could come and go and see my place whenever they needed.

And I just found that one of the primary things that supported the move was community. I did have queer community in DC, I did have specifically one or two people who really wanted this to work out for me, even though they were sad to say goodbye. So having community to support the move was one element financially. There were just a lot of expenses we had to figure out like where are we driving, where are we flying? Finding a shipping company that we could trust, deciding on all the ways to get your things across the country. It involved a lot of steps and it involved a lot of expense.

Alieza Durana:

That makes a lot of sense, especially moving so far. So switching gears a little bit back to when you stepped foot in Portland and people had their pronouns and there were places for you to use the restroom, just like basic human rights that were being fulfilled for you in this new space, can you tell us what your experience has been like living in Oregon now for several years? How has it affected your quality of life?

G Chesler:

There’s no way to describe the sense of calm and peace that I’ve experienced when I don’t feel like my existence as a trans person is a question. And for me as a disabled person, the care that I receive in western healthcare systems and then non-western healthcare systems, I need to be seen in my full humanity to be actually cared for.

And data shows that trans people are less likely to see physicians. So I’ve moved to a place where I have experienced some discomfort from some physicians, but I don’t have to see that person anymore because there’s so many options. And that’s been a primary shift. Seeing a queer therapist or a queer psychiatrist for my medications or queer and trans body workers, it’s so different.

Alieza Durana:

And what a relief to not anticipate an experience of discomfort or discrimination or yeah, that refusal that you’ve encountered so often in the past. I’m wondering if you just wouldn’t mind commenting on if you hadn’t felt so welcome and at home in Portland, do you feel that because it has been so welcoming that it’s been worth, let’s say, the financial sacrifice of moving? Do you feel that the cost was ultimately worth it and how might that have been different at a different place?

G Chesler:

Yeah, I think I’m a strange person in that I really like moving. It’s always been worth it to me to move. I really love meeting new people. I love what new spaces have offered me in my life, but I didn’t think I was going to leave DC. I was like, oh, DC, I was almost there for 10 years. It felt like home. I had so many solid friendships. I had a chosen family.

I would move to Portland in a second again, even given the expense. It’s been really helpful to move to a place where things cost less. I feel like I already save. I save 10% on everything that I spend because Portland doesn’t have a sales tax. So right away I’m making a financial savings. The cost of housing here is less. There’s lots of public services that are readily available. Public transit works day to day. There’s just a lot less.

There’s also exchange networks. People are really sharing food. They’re growing food in their gardens and they’re sharing it. They’re making things for each other and trading and I have become part of networks of trade for food and services, things like that, that I’m stunned exist.

It’s nice to live in a place where people really are in community with each other, where they have time, they take the time they need to live a good life. So I think there’s things that you can’t put a dollar value on, but when you start seeing your savings increase, you realize, wow, that very difficult, challenging move I had to spend a year honestly preparing for and saving for and figuring out was worth it.

Alieza Durana:

I know that you mentioned that you’re working remotely. How has your job or career impacted? Would you mind just describing for our audience? Did that affect your salary at all?

G Chesler:

Yeah, so I’ve heard of folks who move from one city to another whose employers say that they will adjust their salary for the new cost of living in a new city. I know that exists. Where I am employed, I am already underpaid by about 20% of what I should earn because of gender parity issues at my employer. And I say that being the only non-binary person I know at my employer, but at my rank of professor. But there are significant gender parity issues that existed at my hiring and then my position. So yeah, so that’s one of the things.

Before I moved, I made sure that I had a remote work agreement that my employer had signed. I also have disability accommodations which allow for remote work. So I have two layers of protection for this decision as well as being a tenured professor, which has another layer of protection. I’ve created online curricula since I got here. So what I’m doing is also using my new strength as an online educator to benefit the department because I feel like a lot of the students that I work with have part-time, full-time jobs, have families or are trans and also don’t want to come into the classroom environment or are disabled and want to learn remotely.

I’ve found that a lot of the students that I’m now serving kind of parallel my own experience. Where I work, I wouldn’t have had a bathroom within a quarter mile of my actual physical office that I would use. The only gender-neutral bathroom that I could use was four buildings away on a big campus.

So I was also deciding as a trans person, as a gender non-binary person, what does an accessible workplace look like for me? But anyway, working remotely has been secured on several levels and I wouldn’t have moved without that protection. So that was important to get into place and it took several months to prepare as well.

Alieza Durana:

My final question for today is just what advice would you have for someone who feels that they might need to make a similar move but are looking at their financial situation and wondering if it’s possible or not? It sounds like you found it really rewarding and you took a lot of steps to get there, but if you wouldn’t mind just elaborating a little bit.

G Chesler:

Yeah, I think that the primary question to ask is do you want it to be better? Do you want to at least try to make it better, to really believe that you deserve it, that you deserve to feel secure or that your child deserves to feel secure and what is it going to cost to make that happen? There are lots of pieces that have to fall into place.

They can be hard to put together, but you deserve it and you’re worth it and your child is worth it. So okay, number one, accept that. Number two, find a network. Build a network. I was moving to a place where I knew two people who said they had my back. So they were like, my first plan was I moved to an Airbnb for two months.

That was a very expensive choice. And also I knew it’s what I needed to land comfortably and quickly for an amount of time I believed I needed to find permanent housing. So that was a primary expense upfront. So in preparation for that Airbnb move, I lived with other folks rent-free for two months to be able to pay for that move. Knowing when your income is going to replenish is a big question as well.

Alieza Durana:

Well, G, thank you so much for joining us today. Is there anything that I didn’t ask you that you want to mention about your move or this topic or experience before we wrap up?

G Chesler:

I think it’s worth it to say the words out loud and to see it as a possibility that moving could benefit you. There’s a strange amount of shame that’s projected on people who decide to move. It’s almost like you’re giving up or you’re running away, but my goodness, you are so not running away. You really are moving towards the knowledge that it’s not going to be perfect, but it can be better.

And I know that phrase is really loaded, it can be better, but when you find your community or you find that everyday ease of life and it happens bit by bit by bit, it makes it feel right, it makes it feel worth it, and it makes me know that I’m worth it. As a trans non-binary person, I get to live in a community that sees me, that is me, that includes members of my community. My community is full of trans people. And so it does exist right here in the U.S. And when you are in community, you then can heal and renew your power.

Alieza Durana:

Well, beautifully put G. thank you so much for joining us today.

G Chesler:

Thanks for these questions and for sharing this information. I really hope that what I’ve said can help some folks see their way.

Alieza Durana:

I think it absolutely will.

Sean Pyles:

I can really relate to G’s experience of discovering a new level of belonging when you move to a place that has more people who are just like you. It reminds me of when I moved to San Francisco after college and I realized suddenly that there were a lot more gay men in the world than I’d ever truly realized.

And it made me feel part of a community and a lot less like an outsider. With that comes a sense of safety and just ease in your day-to-day life that’s really hard to find elsewhere.

Alieza Durana:

I can too, and it’s something I long for now. You mentioned not feeling safe around our neighbors and coincidentally just last week, our HOA announced a new policy recommending neighbors call the police on anyone who, “looks out of place” in an effort to deter burglaries.

We’re challenging the policy, but it’s particularly scary for my family because we are different and we’re also a multiracial family. So my wife and I are thinking about moving again, but it’s a big, hard and expensive decision.

Sean Pyles:

Yeah, I’m so sorry that you’re dealing with that, Alieza. That’s really rough. And unfortunately your experience and G’s are not unique in today’s day and age. And there’s a lot to think about if someone is feeling like they need to make a similar move and there can be real financial costs on top of the mental and emotional cost of feeling like you have to move out of necessity.

Alieza Durana:

That’s for sure. So now we’re going to hear from Lindsey Young. She’s the founder of Quiet Wealth, an investment advisor and a financial planning firm primarily serving LGBTQ+ households. Lindsey goes by the pronouns she/her, and we’re going to get some advice for how to prepare for this eventuality should it become necessary.

Sean Pyles:

That’s coming up in a moment. Stay with us.

Alieza Durana:

Lindsey Young, so glad you could join us on Smart Money today.

Lindsey Young:

Thanks. Pleasure to be here.

Alieza Durana:

Could you tell us if you have any stories you can share about clients who have gone through this as a financial planner and investment manager?

Lindsey Young:

I actually have worked with a couple of clients who have decided that they didn’t feel safe where they wanted to leave and they engage with me in order to come up with a plan to move to somewhere else, but also make sure that they weren’t falling behind financially when they were making that move.

Alieza Durana:

Could you share a little bit about what were some of the primary financial concerns in those situations? What were you helping your client plan for?

Lindsey Young:

So I’ll talk about a specific situation of a client who was a nurse practitioner. She was living in a red state and did not feel comfortable living in that state anymore given the legislative developments in that state. And so she identified, first of all, where she wanted to move to. And her situation was she had actually bought a house a couple of years before this, and so she still had a very large mortgage.

In addition, she still had a lot of student loan debt that she was dealing with as well. And so finances between paying for student loans as well as paying for the mortgage finances were very tight. And so part of the reason that she engaged me was to come up with a financial plan to make sure that she actually wasn’t going to just run out of money from the move.

So I worked with her over the course of about four or five months or so all the way from the time when she decided that she was going to do this through selling the house, through the move and then through actually getting to where she is living right now and she’s made a very successful transition.

Alieza Durana:

So it sounds like housing and employment are maybe two of the concerns that come up typically as people consider moving. You mentioned owning a house. What are some top steps that you would advise people to think about as they prepare financially for this kind of life change?

Lindsey Young:

So the first thing I think is to first figure out where you’re going to go because that’s going to determine a lot of things. And I think that there’s a couple of different variables to think about. One is job opportunities. Given your field, are there going to be jobs that you can do there and you should be checking and seeing how many opportunities are there, go onto job boards and see if there’s opportunities that are going to be there.

The second thing is cost of living. Keep in mind that particularly relative to a lot of red states, blue states, particularly in areas that are more progressive, tend to be fairly expensive. So you actually may need to make more money in the place that you’re going to live than what you’re currently making right now. And then the final factor is to consider an existing network of friends and family of where you’re going to go to.

Having an existing network is a huge benefit as opposed to going to some place where you know no one. And so you factor all three of those things into determining where to go. Once you know where to go, that can start to build a plan because you can start to figure out, okay, what’s the cost going to be to move there? What are my costs going to be once I’m living there? And those are very important factors in developing an overall financial plan going forward after the move.

Alieza Durana:

I wonder, how is your advice the same or different if you have some time to prepare versus someone who feels that they have to move suddenly due to safety concerns?

Lindsey Young:

Yes, absolutely, and I do recommend if you can even take a week or two to develop a plan, it can save you a lot of money as opposed to just leaving one day. A couple of big things that can happen when you take action before planning is that you don’t necessarily set goals for yourself in terms of trying to reduce the amount of cost from the move.

Even taking a week or two to develop a plan for that is really important. Sometimes it’s unavoidable, for safety reasons you feel like you have to move in fairly short order. So I think a couple key things. One, really try to minimize the time that you’re not working. When you move there, you’re probably not going to have a job set up. Get any job, just try to start bringing in income to minimize the loss from the move, to get working.

Also, minimize expenses, opt for a relatively cheap and flexible housing option going forward rather than trying to kind of plant roots immediately. Look for kind of interim solutions that provide flexibility. Those would be some of the things that I’d probably offer advice on if someone feels like they need to move immediately.

Alieza Durana:

This question may seem kind of basic for members of the community, but I’m wondering for allies, if you could just talk about what are some of the challenges that the LGBTQ+ population is facing that is different from other people in the country right now and that’s sort of inspiring a desire to move?

Lindsey Young:

There’s a lot of laws that are being passed that are not friendly. Everything from bathroom bills to taking away trans-affirming healthcare. These are really, really tough laws that are getting passed, especially for members of the transgender community. I myself am transgender and so it’s very painful to see what’s going on in red states.

And so I completely understand the need to move and it is just really painful to see the actions that are taking place in a lot of state legislatures these days. Hopefully you do have some credit cards available, and look, for this type of thing, in terms of making this move happen, I’m completely okay with people taking out debt if they need to move quickly and go somewhere else.

However, if you’re going to do that, before you take out the debt and before you do the move, hopefully, you should really create a plan, a budget on a month by month basis for how you’re going to pay back that debt over the next two years. And keep in mind, it’s not just the expenses of the move, it’s the fact that you’re going to have lost income for a certain amount of time because of the move.

It’s inevitable. It could be a couple of weeks, it could turn into a couple of months. There is going to be lost income there. And what you’re trying to do is minimize that gap and really set a goal for how much of a loss you’re going to have during that gap period. And then come up with a plan where within a year or two you’ve paid back all the debt that you had to take out in order to make the move.

Alieza Durana:

What about any non-monetary steps that might be helpful in preparation for a move? You mentioned connecting with community, including your family of origin or chosen family, whatever, whoever’s important to you. Could you talk a little bit more about how that can be helpful in getting to a new place?

Lindsey Young:

It’s just always helpful to have a connection or two of people that you know in the community because they can introduce you to other people. There’s certainly other ways to do that. There’s obviously, particularly in a lot of blue states, there’s lots of support organizations within the LGBTQ community.

There’s pride centers. Here in Maryland, there’s lots of transgender support groups if you’re in the transgender community. So there’s many options, and I think it’s really important when you arrive in a new state, find opportunities to connect with people. It can even be connecting if you have, there’s some activity that you enjoy doing.

Find ways that you can get involved in doing that activity with other people. Just start building a community there. So be proactive in really trying to find communities that you can get involved in because when you’re by yourself, that is generally not a good thing either for your personal life or even for your finances, I find.

Alieza Durana:

I wonder if you have any other final advice for someone who might be living in a situation that could become unsafe because of local and state laws. Is there anything else that you haven’t mentioned that you would like to say to those folks?

Lindsey Young:

The only thing I say is that I completely can understand why you might not feel comfortable living in those states. And even if it’s a situation where it’s not a near-term safety issue, but you just don’t feel comfortable, that is completely understandable. The only thing I would recommend is that it is going to be a financial cost, generally speaking, to make that move, and incurring that cost is okay. It’s really important that you create a budget to understand what that cost is and to find a way to repay that cost over time. That from a financial planning perspective is the most important thing.

Alieza Durana:

Lindsey, thank you so much for helping us out today.

Lindsey Young:

Thank you for having me on.

Sean Pyles:

My big takeaway from Lindsey’s interview is that while a crisis can require immediate action, planning, even just a day of it, can help you land on your feet and make sure that your next steps are in the direction that you want to go long-term.

Alieza Durana:

But beyond planning, even if money is tight, Lindsey reminded us to seek out community and see how we can support each other through mutual aid during this difficult time. As G mentioned, we can and should imagine life can be better or at least less scary for our beautiful community.

Sean Pyles:

And this really is a difficult subject to have to talk about, much less face. So we really appreciate you bringing this to us, Alieza. I hope listeners come away with a better understanding of what some members of the LGBTQ+ community are being forced to deal with in states across the country. And if you are among them, hopefully this episode gives you some ways to cope and potentially prepare.

Alieza Durana:

Thank you, Sean. I’m really glad we were able to do this.

Sean Pyles:

And as a resident of the Pacific Northwest, I say welcome to Oregon, G.

Alieza Durana:

For now, that’s all we have for this episode. Do you have a money question of your own? Turn to the Nerds and call or text us your question at (901) 730-6373. That’s (901) 730 N-E-R-D. You can also email us at [email protected]. Also visit nerdwallet.com/podcast for more info on this episode. And remember to follow, rate and review us wherever you’re getting this podcast.

Sean Pyles:

This episode was produced by Tess Vigeland. I helped with editing. Chris Davis helped with fact checking. Sara Brink mixed our audio and a big thank you to Nerd Wallet’s editors for all their help.

Alieza Durana:

And here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.

Sean Pyles:

And with that said, until next time, turn to the Nerds.

Source: nerdwallet.com

Apache is functioning normally

June 14, 2024 by Brett Tams

Considering Georgia for your college years? You’re in for a treat! Georgia’s top college towns are more than just destinations for education, they’re lively communities with endless possibilities.

From cutting-edge tech programs to thriving arts scenes, there’s a perfect Georgia college town waiting for you. Whether you’re an English major starting a new chapter by finding the perfect apartment in Athens or a career professor looking for your forever home in Macon, the Peach State is where you want to be.

Let’s take a tour of nine of Georgia’s top college towns and the many things that make them such stellar spots to call home for four years or more.

1. Athens – University of Georgia

Population: 128,561 | Student population: 37,606 | Average 1-bedroom rent: $1,602

The University of Georgia (UGA) is known for its strong programs in business, journalism, and public relations. Many students also choose UGA for its exceptional veterinary and agriculture programs, offering hands-on experiences and extensive research opportunities. UGA’s law and public affairs programs also attract students interested in policy and governance, providing a comprehensive educational experience for all interests.

Athens and UGA have a symbiotic relationship. The university partners with local businesses for internships and job placements, giving students practical experience while supporting the local economy. UGA collaborates with the Athens community on various cultural and athletic events, like the Athens Music Project and the legendary UGA football games. Beyond that, UGA’s Office of Service-Learning connects students with community service projects, strengthening ties with local nonprofits.

Apartments near University of Georgia | Houses for rent near University of Georgia

2. Statesboro – Georgia Southern University

Population: 34,353 | Student population: 26,100 | Average 1-bedroom rent: $785

Georgia Southern University stands out with strong programs in business, education, and health professions. The university also has strong engineering and information technology departments. Georgia Southern’s logistics and supply chain management program is particularly notable, providing specialized training for the growing and essential logistics industry.

The university’s relationship with Statesboro includes community service projects and local business partnerships. Georgia Southern’s Small Business Development Center supports local entrepreneurs, fostering economic growth and innovation in the town. The university also collaborates with local schools on educational initiatives, improving K-12 education through mentorship and resources.

Apartments near Georgia Southern University | Houses for rent near Georgia Southern University

3. Savannah – SCAD

Population: 148,404 | Student population: 10,517 | Average 1-bedroom rent: $1,666

As the name implies, Savannah College of Art and Design (SCAD) excels in arts, design, and creative technology programs. Students flock to SCAD for its cutting-edge curriculum and industry-standard facilities in film, fashion, and interactive design. SCAD’s sequential art program is also a draw, preparing students for careers in comics, graphic novels, and animation.

Savannah and SCAD are intertwined, with the college driving much of the city’s creative scene. SCAD’s annual events, like the Savannah Film Festival and SCADstyle, draw visitors from all over. SCAD also collaborates with local businesses on design projects, offering students real-world experience while enhancing the city’s aesthetic.

Apartments near SCAD | Houses for rent near SCAD

4. Milledgeville – Georgia College and State University

Population: 16,837 | Student population: 6,230 | Average 1-bedroom rent: $750

Georgia College & State University is known for its liberal arts programs, particularly in literature, history, and the performing arts. The college also has strong business and nursing programs, drawing students from all over the Peach State and beyond. Georgia College’s environmental science program is noteworthy, focusing on sustainability and conservation issues.

The university and Milledgeville collaborate on plenty of projects, enhancing student life and the town’s overall appeal. Georgia College’s events and public lectures are open to residents, fostering a sense of community and shared learning. The university’s partnership with local government on sustainability initiatives also promotes environmental stewardship in the town.

Apartments near Georgia College & State University | Houses for rent near Georgia College & State University

5. Macon – Mercer University

Population: 153,095 | Student population: 8,600 | Average 1-bedroom rent: $1,267

Mercer University offers excellent programs in law, pharmacy, and liberal arts. The medical and engineering schools are also highly respected, attracting students interested in comprehensive, interdisciplinary education. Mercer’s Stetson-Hatcher School of Business is known for its entrepreneurial training, helping students launch successful startups.

Mercer plays a significant role in Macon’s community through healthcare initiatives and legal aid services. The university’s partnerships with local hospitals and clinics, like the Navicent Health system, provide students with practical experience while improving community health outcomes. Mercer Law School’s public interest program also offers free legal assistance to underserved residents, supporting social justice in the region.

Apartments near Mercer University | Houses for rent near Mercer University

6. Valdosta – Valdosta State University

Population: 55,074 | Student population: 10,209 | Average 1-bedroom rent: $723

Valdosta State University offers top programs in education, nursing, and business administration. The university’s music and arts programs are also well known. Valdosta State’s social work program is notable, preparing students for careers in community service and advocacy.

Valdosta State’s engagement with Valdosta includes partnerships with local schools and healthcare facilities. These collaborations offer students practical experience and contribute to the community’s educational and health services.

Apartments near Valdosta State University | Houses for rent near Valdosta State University

7. Carrollton – University of West Georgia

Population: 27,262 | Student population: 12,769 | Average 1-bedroom rent: $1,350

The University of West Georgia is praised for its education, business, and nursing programs. The psychology and criminology departments are also popular, offering unique research and internship opportunities. The university’s sports management tract is another highlight, providing specialized training for careers in the sports industry.

Carrollton benefits from the university’s presence through community outreach and economic development initiatives. The university’s partnership with local industries provides students with hands-on learning experiences and supports regional growth. Additionally, the university’s Center for Public History collaborates with local organizations to preserve and promote the town’s historical heritage.

Apartments near University of West Georgia | Houses for rent near University of West Georgia

8. Dahlonega – University of North Georgia

Population: 7,461 | Student population: 18,219 | Average 1-bedroom rent: $1,630

The University of North Georgia (UNG) is known for its strong nursing, criminal justice, and military programs. The university also offers comprehensive degrees in business and education, attracting a diverse student body.

Dahlonega and the university’s connection to the military and local businesses creates opportunities for student internships and employment, fostering a tight-knit community. UNG’s Dahlonega campus also hosts the annual Gold Rush Days festival, celebrating the town’s history and bringing together students and residents.

Apartments near University of North Georgia | Houses for rent near University of North Georgia

9. Augusta – Augusta University

Population: 202,096 | Student population: 9,274 | Average 1-bedroom rent: $1,024

Augusta University excels in medical, dental, and nursing programs. The university’s allied health sciences and cybersecurity programs are also top choices for students seeking specialized education. Augusta’s Medical College of Georgia is particularly notable, being one of the oldest and most prestigious medical schools in the South.

Augusta University partners with hospitals and clinics around Augusta, providing students with hands-on medical training. The university’s cybersecurity initiatives also bolster Augusta’s reputation as a center for tech innovation and defense. The Georgia Cyber Center, located on campus, collaborates with government agencies and private companies, offering students cutting-edge research opportunities.

Apartments near Augusta University | Houses for rent near Augusta University

Methodology

College towns are qualified as towns or cities with at least one college or university and fewer than 250,000 people according to U.S. Census data. Average rental data from Rent.com in May 2024.

This is not a comprehensive list of all of the towns and cities in the state meeting those requirements.

Apache is functioning normally

June 14, 2024 by Brett Tams

Let’s take a tour of nine of Georgia’s top college towns and the many things that make them such stellar spots to call home for four years or more.

1. Athens – University of Georgia

Population: 128,561 | Student population: 37,606 | Average 1-bedroom rent: $1,602

Apartments near University of Georgia | Houses for rent near University of Georgia

2. Statesboro – Georgia Southern University

Population: 34,353 | Student population: 26,100 | Average 1-bedroom rent: $785

Apartments near Georgia Southern University | Houses for rent near Georgia Southern University

3. Savannah – SCAD

Population: 148,404 | Student population: 10,517 | Average 1-bedroom rent: $1,666

Apartments near SCAD | Houses for rent near SCAD

4. Milledgeville – Georgia College and State University

Population: 16,837 | Student population: 6,230 | Average 1-bedroom rent: $750

Apartments near Georgia College & State University | Houses for rent near Georgia College & State University

5. Macon – Mercer University

Population: 153,095 | Student population: 8,600 | Average 1-bedroom rent: $1,267

Apartments near Mercer University | Houses for rent near Mercer University

6. Valdosta – Valdosta State University

Population: 55,074 | Student population: 10,209 | Average 1-bedroom rent: $723

Apartments near Valdosta State University | Houses for rent near Valdosta State University

7. Carrollton – University of West Georgia

Population: 27,262 | Student population: 12,769 | Average 1-bedroom rent: $1,350

Apartments near University of West Georgia | Houses for rent near University of West Georgia

8. Dahlonega – University of North Georgia

Population: 7,461 | Student population: 18,219 | Average 1-bedroom rent: $1,630

Apartments near University of North Georgia | Houses for rent near University of North Georgia

9. Augusta – Augusta University

Population: 202,096 | Student population: 9,274 | Average 1-bedroom rent: $1,024

Apartments near Augusta University | Houses for rent near Augusta University

Methodology

College towns are qualified as towns or cities with at least one college or university and fewer than 250,000 people according to U.S. Census data. Average rental data from Rent.com in May 2024.

This is not a comprehensive list of all of the towns and cities in the state meeting those requirements.

Apache is functioning normally

June 14, 2024 by Brett Tams

Let’s take a tour of nine of Georgia’s top college towns and the many things that make them such stellar spots to call home for four years or more.

1. Athens – University of Georgia

Population: 128,561 | Student population: 37,606 | Average 1-bedroom rent: $1,602

Apartments near University of Georgia | Houses for rent near University of Georgia

2. Statesboro – Georgia Southern University

Population: 34,353 | Student population: 26,100 | Average 1-bedroom rent: $785

Apartments near Georgia Southern University | Houses for rent near Georgia Southern University

3. Savannah – SCAD

Population: 148,404 | Student population: 10,517 | Average 1-bedroom rent: $1,666

Apartments near SCAD | Houses for rent near SCAD

4. Milledgeville – Georgia College and State University

Population: 16,837 | Student population: 6,230 | Average 1-bedroom rent: $750

Apartments near Georgia College & State University | Houses for rent near Georgia College & State University

5. Macon – Mercer University

Population: 153,095 | Student population: 8,600 | Average 1-bedroom rent: $1,267

Apartments near Mercer University | Houses for rent near Mercer University

6. Valdosta – Valdosta State University

Population: 55,074 | Student population: 10,209 | Average 1-bedroom rent: $723

Apartments near Valdosta State University | Houses for rent near Valdosta State University

7. Carrollton – University of West Georgia

Population: 27,262 | Student population: 12,769 | Average 1-bedroom rent: $1,350

Apartments near University of West Georgia | Houses for rent near University of West Georgia

8. Dahlonega – University of North Georgia

Population: 7,461 | Student population: 18,219 | Average 1-bedroom rent: $1,630

Apartments near University of North Georgia | Houses for rent near University of North Georgia

9. Augusta – Augusta University

Population: 202,096 | Student population: 9,274 | Average 1-bedroom rent: $1,024

Apartments near Augusta University | Houses for rent near Augusta University

Methodology

College towns are qualified as towns or cities with at least one college or university and fewer than 250,000 people according to U.S. Census data. Average rental data from Rent.com in May 2024.

This is not a comprehensive list of all of the towns and cities in the state meeting those requirements.

Apache is functioning normally

June 14, 2024 by Brett Tams

Inside: Learn how much your 50k salary is hourly. Plus find tips to make more money and live the lifestyle you want.

You are thinking that 50k salary is a solid hourly wage, but you want to know the true answer.

When you get your first job and you are making just above minimum wage making over $50,000 a year seems like it would provide amazing opportunities for you. Right?

The median household income was $70,084 in 2021 not much different from the previous year (source). Think of it as a bell curve with $70 at the top; the median means half of the population makes less than that and half makes more money.

The average income in the U.S. is $55,350 for a 40-hour workweek; that is an increase of 1.1% from the previous year (source). That means if you take everyone’s income and divide the money out evenly between all of the people.

But, the question remains…can you truly live off 50,000 per year in today’s society since it is barely above the average income and yet still below household incomes? The question you want to ask all of your friends is $50000 per year a good salary.

In this post, we are going to dive into everything that you need to know about a $50000 salary including hourly pay and a sample budget on how to spend and save your money.

These key facts will help you with money management and learn how much per hour $50k is as well as what you make per month, weekly, and biweekly.

Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…

Can I make a living on this salary?

$50000 a year is How Much an Hour?

When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 50k a year hourly. That way you can decide whether or not the job is worthwhile for you.

For our calculations to figure out how much is 50K salary hourly, we used the average five working days of 40 hours a week.

50000 salary / 2080 hours = $24.04 per hour

$50000 a year is $24.04 per hour

Let’s breakdown how that 50000 salary to hourly number is calculated.

Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $50000 by 2,080 working hours and the result is $24.04 per hour.

Just above $24 an hour.

That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.

You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.

What If I Increased My Salary?

Just an interesting note… if you were to increase your annual salary by $5K, it would increase your hourly wage to over $26 an hour – a difference of $2.40 per hour.

To break it down – 55k a year is how much an hour = $26.44

That difference will help you fund your savings account; just remember every dollar adds up.

How Much is $50K salary Per Month?

On average, the monthly amount would be $4,167.

Annual Salary of $50,000 ÷ 12 months = $4,166.67 per month

This is how much you make a month if you get paid 50000 a year.

$50k a year is how much a week?

This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $50k salary a year, how much can I expect to make at the end of the week for my effort?

Once again, the assumption is 40 hours worked.

Annual Salary of $50000/52 weeks = $961.54 per week.

$50000 a year is how much biweekly?

For this calculation, take the average weekly pay of $961.54 and double it.

$961.54 per week x 2 = $1923

Also, the other way to calculate this is:

Annual Salary of $50000 / 26 weeks = $1923 biweekly.

How Much Is $50K Salary Per Day

This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.

8 hours x 52 weeks = 260 working days

Annual Salary of $50000 / 260 working days = $192 per day

If you work a 10 hour day on 208 days throughout the year, you make $240 per day.

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.

Check out this free workshop!

Bookkeeping is the most stable, reliable & simple business to own. This is how to make a realistic income -either part-time or full-time.

Find out TODAY if this is THE business you’ve been looking for.

$50000 Salary is…

$50000 – Full Time	Total Income
Yearly Salary (52 weeks)	$50,000
Monthly Wage	$4,167
Weekly Salary(40 Hours)	$961
Bi-Weekly Wage (80 Hours)	$1,923
Daily Wage (8 Hours)	$192
Daily Wage (10 Hours)	$204
Hourly Wage	$24.04
Net Estimated Monthly Income	$3,181
Net Estimated Hourly Income	$18.35

^{**These are assumptions based on simple scenarios.}

50k a year is how much an hour after taxes

Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with a salary range of up to $160,200.

When you make below the average household income, the amount of taxes taken out hurts your hourly wage.

Every single tax situation is different.

On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.

So, how much an hour is 50000 a year after taxes?

Gross Annual Salary: $50,000

Federal Taxes of 12%: $6,000
State Taxes of 4%: $2,000
Social Security and Medicare of 7.65%: $3,825

$50k Per Year After Taxes is $38,175.

This would be your net annual salary after taxes.

To turn that back into an hourly wage, the assumption is working 2,080 hours.

$38,175 ÷ 2,080 hours = $18.35 per hour

After estimated taxes and FICA, you are netting $38,175 per year, which is $11,825 per year less than what you expect.

***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***

Taxes Based on Your State

In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody who lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.

Thus, your yearly gross $50000 income can range from $34,175 to $40,175 depending on your state income taxes.

That is why it is important to realize the impact income taxes can have on your take-home pay. It is one of those things that you should acknowledge and obviously, you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $50,000 income.

My 50k Salary Hourly Calculator

More than likely, your salary is not a flat 50k, here is a tool to convert your salary to hourly calculator.

Many of the starting freight broker salaries are in this range (and before commission)!

Many teachers are hovering in this range, which may make you wonder do teachers get paid in the summer?

@media (max-width:480px)#cp_calculatedfieldsf_pform_1min-height:1615px;@media (max-width:768px)#cp_calculatedfieldsf_pform_1min-height:1282px;@media (max-width:1024px)#cp_calculatedfieldsf_pform_1min-height:1290px;@media (min-width:1024px)#cp_calculatedfieldsf_pform_1min-height:1287px;

50k salary lifestyle

Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person?

And there’s no wrong or right, it is what works best for you.

One of the biggest factors to consider is your cost of living.

In another post, we detailed the differences between living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $50,000 a year is going to be much more difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower-cost area.

To stretch your dollar further in the high cost of living area, you would have to probably live a very frugal lifestyle and prioritize where you want to spend money and where you do not. Whereas, if you live in a low cost of living area, you can live a much more lavish lifestyle because the cost of living is less. Thus, you have more fun spending left in your account each month.

For many, this is when they are looking at upgrading their car to something nicer, but you must be aware of is a car an asset or liability.

As we noted earlier in the post, $50,000 a year is slightly below the average income that you would find in the United States. Thus, you still have to be wise with how you spend your money.

What a $50,000 lifestyle will buy you:

If you are debt-free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.

You are able to rent in a decent neighborhood in LCOL and even MCOL city.
You should be able to meet your expenses each and every month.
Ability to make sure that saving money is a priority, and very possibly save $5000 in 52 weeks.

Learn how much money should I have saved by 30 since the average salary is $50k.

When A $50,000 Salary Will Hold you Back:

However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 50k a year is going to be pretty darn difficult.

There are two factors that will keep holding you back:

You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck to paycheck cycle.
Not using one of the millionaire quotes for motivation.

It is possible to get ahead with money!

It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.

$50K a year Budget – Example

As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money left is for fun spending.

This is how zero based budgeting works.

If you want to know how to manage 50k salary the best, then this is a prime example for you to compare your spending.

You can compare your budget to the ideal household budget percentages.

recommended budget percentages based on $50000 a year salary:

Category	Ideal Percentages	Sample Monthly Budget
Giving	10%	$250
Savings	15-25%	$750
Housing	20-30%	$1,000
Utilities	4-7%	$167
Groceries	5-12%	$375
Clothing	1-4%	$52
Transportation	4-10%	$146
Medical	5-12%	$188
Life Insurance	1%	$21
Education	1-4%	$42
Personal	2-7%	$77
Recreation / Entertainment	3-8%	$125
Debts	0% – Goal	$0
Government Tax (including Income Taxes, Social Security & Medicare)	15-25%	$985
Total Gross Monthly Income		$4,167

^**^{In this budget, prioritization was given to basic expenses and no debt.}

Is $50k a year a Good Salary?

As we stated earlier if you are able to make $50,000 a year, that is a decent salary. You are making more money than the minimum wage and almost double in many cities.

While 50000 is a good salary starting out in your working years. It is a salary that you want to increase before your expenses go up or the people you provide for increase.

However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. And what they thought used to be a great salary actually is not making ends meet at this time.

This $50k salary would be considered a lower middle class salary. This salary is something that you can live on if you are wise with money.

Check: Are you in the middle class?

In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per person income (source).

The question you need to ask yourself with your 50k salary is:

Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?

In the future years and with possible inflation, in many modest cities, 50,000 a year will not be a good salary because the cost of living is so high, whereas these are some of the cities where you can make a comfortable living at 50,000 per year.

If you are looking for a career change, you want to find jobs paying at least $60000 a year.

Is 50k a good salary for a Single Person?

Simply put, yes.

You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.

Your living expenses and ideal budget are much less. Thus, you can live extremely comfortably on $50000 per year.

And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.

Deep Dive: What Is A Good Salary For A Single Person in Today’s Society?

Is 50k a good salary for a family?

Many of the same principles apply above on whether $50000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.

The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.

That means that amount of money is coming out of the income that you earned.

So, the question really remains can you provide a good life for your family making $50,000 a year? This is the hardest part because each family has different choices, priorities, and values.

More or less, it comes down to two things:

The location where you live in.
Your lifestyle choices.

You can live comfortably as a family on this salary, but you will not be able to afford everything.

Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 50,000 per year, then the combined income for the household would be $100,000. Thus making your combined salary a very good income.

Learn how much money a family of 4 needs in each state.

Can you Live on $50000 Per Year?

As we outlined earlier in the post, $50,000 a year:

$24.04 Per Hour
$192-240 Per Day (depending on length of day worked)
$961 Per Week
$1,923 Per Biweekly
$4,167 Per Month

Next up is making $52000 a year.

Like anything else in life, you get to decide how to spend, save and give your money.

That is the difference for each person on whether or not you can live a middle-class lifestyle depends on many potential factors. If you live in California or New Jersey you are gonna have a tougher time than Oklahoma or even Texas.

In addition, if you are early in your career, starting out around 43,000 a year, that is a great place to be getting your career. However, if you have been in your career for over 20 years and still making under $45K, then you probably need to look at asking for pay increases, picking up a second job, or finding a different career path.

In fact, this might be a good time to learn how to trade stocks with the best Travel and Travel course.

Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.

But one of the things that can help you the most is to stick to our ideal household budget percentages to make sure you stay on track.

Learn exactly how much do I make per year…

One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.

As an Amazon Associate and member of other affiliate programs, I earn from qualifying purchases.

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.

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.

Check out 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.

Bookkeeping is the most stable, reliable & simple business to own. This is how to make a realistic income -either part-time or full-time.

Find out TODAY if this is THE business you’ve been looking for.

You can make money as a freelance writer. Learn techniques to find those jobs and earn the kind of money you deserve!

Plus get tips to land your first freelance writing gig!

Learn how to buy and resell items from flea markets, thrift stores and yard sales. They will teach you how to create a profitable reselling business quickly

…no matter how much or how little experience you have.

Learn how to supplement your daily, weekly, or monthly income with trading so that you can live your best life! This is a lifestyle trading style you need to learn.

Honestly, this course is a must for anyone who invests. You will lose more in the market than you will spend this quality education – guaranteed.

Read my Invest with Teri Review.

Designed as a 101-level course on freight brokerage, you’ll learn the basics of freight brokering in this online course.

This course is designed for freight brokers in any setting, regardless of their employment status.

If you want to start your brokerage, we’ll show you exactly how to do it. If you are an agent or employee of a brokerage, we’ll take you through sales and operations modules designed to help you source more leads and move more freight.

The Empowered Business Lab teaches you how to sell your digital products naturally with strategies that just make sense.

Monica helps thousands find momentum and create revenue streams in their businesses.

After taking a second job as a driver for Amazon to make ends meet, this former teacher pivoted to be a successful stock trader.

Leaving behind the stress of teaching, now he sets his own schedule and makes more money than he ever imagined. He grew his account from $500 to $38000 in 8 months.

Check out this interview.

Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Source: moneybliss.org

Apache is functioning normally

June 14, 2024 by Brett Tams

Arkansas, often called “The Natural State,” is known for its stunning landscapes and rich history. From the therapeutic hot springs and diamond hunting at Crater of Diamonds State Park to the world-renowned Walmart headquarters, Arkansas offers unique experiences. But what else is Arkansas known for? Whether you’re looking to buy or rent a home in Fayetteville, move into an apartment in Little Rock, or you’re just passing through, you’ll quickly discover that this state has much more to offer than meets the eye. In this article, we’ll explore what makes Arkansas unique and why so many are proud to call it home. Let’s get started.

1. Hot Springs National Park

Hot Springs National Park is one of Arkansas’ most famous attractions. Established in 1832, it’s one of the oldest parks in the U.S. The park features 47 natural hot springs, with thermal waters known for their therapeutic benefits. Visitors can experience traditional bathhouses, such as the historic Bathhouse Row. The park also offers hiking trails, scenic views, and a rich history of health and wellness.

2. Arkansas BBQ

Arkansas is famous for its unique BBQ style, blending flavors from the South and Midwest. BBQ joints here offer a distinct and delicious culinary experience where pork ribs and pulled pork are local favorites. If you’re looking for a restaurant to try Jones Bar-B-Q Diner in Marianna is a must-visit, serving BBQ since the early 1900s. While there, be sure to try their iconic vinegar-based barbeque sauce.

3. Crater of Diamonds State Park

Crater of Diamonds State Park is one of the only public diamond mine in the world. Visitors can search for diamonds and keep any they find. Since 1906, more than 33,000 diamonds have been discovered, including the 40.23-carat Uncle Sam diamond. The park offers equipment rentals and tips for finding gems. It is a unique attraction drawing gem hunters from around the globe.

4. Arkansas Razorbacks

The Arkansas Razorbacks are the state’s beloved college sports teams. Representing the University of Arkansas, they’re known for their passionate fan base and their unique “Woo Pig Sooie” cheer is famous nationwide. The Razorbacks compete in the SEC, excelling in football, basketball, and baseball. Games at Donald W. Reynolds Razorback Stadium draw large, enthusiastic crowds.

5. Bill Clinton’s Presidential Library

Located in the state capitol of Little Rock is the William J. Clinton Presidential Library and Museum. It features artifacts, documents, and interactive exhibits from Clinton’s presidency. The library offers a replica of the Oval Office and highlights key events of the 1990s. The museum’s architecture is a notable part of Little Rock’s skyline, attracting hundreds of historians, students, and tourists every year.

6. Buffalo National River

Buffalo National River is America’s first national river, established in 1972. It offers 135 miles of undammed, free-flowing river. This river is a top destination for outdoor enthusiasts seeking natural beauty. Besides sightseeing, popular activities here include canoeing, kayaking, and fishing. Additionally, the surrounding area features towering bluffs, dense forests, and diverse wildlife.

Fun facts Arkansas is famous for

King Biscuit Time: The longest-running daily American radio broadcast is “King Biscuit Time,” airing blues music from Helena, Arkansas, since 1941.
Eureka Springs: The entire town of Eureka Springs is listed on the National Register of Historic Places, known for its well-preserved Victorian architecture and healing springs..
Mountain View: Known as the “Folk Music Capital of the World,” Mountain View hosts the annual Arkansas Folk Festival and the Ozark Folk Center State Park, preserving traditional Ozark culture.

7. Ozark Mountains

The Ozark Mountains span northern Arkansas, offering stunning landscapes and outdoor recreation. Attractions include the Blanchard Springs Caverns and the Ozark National Forest where visitors can go hiking, caving, or take scenic drives. The mountains are a haven for nature lovers and adventurers, especially in Fall when the foliage in the Ozarks is particularly spectacular.

8. Walmart Headquarters

Walmart’s global headquarters is in Bentonville, Arkansas. Founded by Sam Walton in 1962, Walmart has grown into the world’s largest retailer. The Walton family has a significant impact on the region’s economy and culture. If you’re in the area, be sure to explore the Walmart Museum where you can learn unique details about the company’s history.

9. Johnny Cash’s Birthplace

Johnny Cash was born in the town of Kingsland in 1932. The state celebrates his legacy with the Johnny Cash Boyhood Home in Dyess. The site includes a museum and the restored Cash family home; fans from around the world visit the site to pay homage to the legendary singer. To this day, Cash’s music and influence remain a point of pride for Arkansas.

10. Mount Magazine

Mount Magazine is Arkansas’ highest peak, standing at 2,753 feet. The state park offers hiking, hang gliding, and breathtaking vistas while the lodge at Mount Magazine provides comfortable accommodations and stunning views. The area’s diverse flora and fauna make it a nature enthusiast’s paradise worth visiting.

11. Blues Music in Helena

Helena is a historic center for blues music. The King Biscuit Blues Festival is held here annually, attracting top blues musicians. Additionally, the Delta Cultural Center offers interpretive exhibits to celebrate the region’s rich musical history. The festival and museum draw blues enthusiasts from around the world. Helena’s blues legacy is an integral part of Arkansas’ cultural fabric.

12. Riceland Foods

Arkansas is the leading rice producer in the U.S., with Riceland Foods headquartered in Stuttgart. Riceland is the world’s largest miller and marketer of rice. The state’s rice industry supports thousands of jobs with rice fields covering approximately 1.3 million acres of land annually.

Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.

Source: rent.com

Apache is functioning normally

June 14, 2024 by Brett Tams

If you’re heading to Universal Studios theme parks in California or Florida, you’ll have lots of great food options to choose from. But you can also bring a few things in with you.

The same rules for outside food and drink apply to the company’s U.S. amusement parks. Here’s what to know.

The Universal Studios bag policy

The Universal Studios bag policy dictates what you can bring into the park, including food and drink.

Here’s what you can bring and how you can bring it in:

Up to 2 liters of water per guest (in non-glass bottles). You can also bring in a refillable water bottle (not glass) and use filling stations throughout the parks.
Small snacks.
Foods you need for medical purposes or medically-indicated nutritional supplements.
Foods required for special dietary needs.
Baby food and baby formula.

You can bring these items into the parks in your regular bag or in a small, soft-sided cooler bag no bigger than 8.5 inches wide by 6 inches high by 6 inches deep. Bags, backpacks and purses can be used, but bags with wheels are not allowed.

Prohibited food-related items include:

Hard-sided coolers.
Glass containers.
Food that needs to be heated or refrigerated.

The Universal Studios bag policy also states the following items are prohibited:

Explosives and weapons.
Marijuana.
Illegal items or substances.
Certain items of clothing, like those with offensive language or that misrepresent you as a park employee or emergency personnel.
Segways, hoverboards, drones, etc. (unless used as an Americans with Disabilities Act mobility device).

If you don’t want to carry things with you all day, lockers are available for rent either for all day or single use. Prices vary by park and by size of the locker.

🤓Nerdy Tip

Anything you bring into the park will likely be X-rayed or inspected in another way, so trying to sneak things in isn’t a good idea.

You can bring selfie sticks into the parks in Florida and Hollywood, but you must not use them while on rides or in attractions.

Dining options at Universal parks

Universal Studios Hollywood has 32 dining options, ranging from snack places to casual dining and sit-down restaurants.

In Orlando, Florida, each of the three parks has multiple dining venues:

Universal Studios Florida has 32 dining options.
Universal Islands of Adventure offers 27 eateries.
Universal Volcano Bay has eight dining venues.

Frequently asked questions

Can I bring a reusable water bottle to Universal Studios?

Yes, you can bring a refillable water bottle into Universal Studios and use the filling stations throughout the park. Just make sure the water bottle is not glass.

Can you bring a backpack into Universal Studios?

Yes, you can bring a backpack into Universal Studios Hollywood and into Universal Studios Florida. Anything you bring in with you can be inspected or X-rayed before you go into the park. Don’t bring in bags with wheels.

Can you bring bags on rides at Universal Studios?

Some smaller bags are allowed on many rides and attractions at Universal Studios Hollywood and Universal Studios Florida. Free small lockers are available at the rides and attractions where bags are not allowed.

Loose items are prohibited and should be secured before rides.

Bringing food and drinks into Universal recapped

You can bring water and small snacks into Universal’s U.S. theme parks. Specific foods or beverages for medical reasons are also allowed. Just make sure you’re not bringing your items in a hard-sided cooler or a large insulated bag.

How to maximize your rewards

Source: nerdwallet.com

Apache is functioning normally

June 14, 2024 by Brett Tams

Portland, OR, is known for its crunchy culture, old growth parks, and DIY arts scene. With an average rent of $1,565 for a one-bedroom apartment, the City of Roses offers a variety of neighborhoods to choose from. If you’re looking to rent an apartment in Portland, you’ll find that the Pearl, Mississippi, and Northwest Portland are among the most expensive neighborhoods. Whether you’re seeking an historic craftsman or a waterfront view, here are the 9 most expensive Portland neighborhoods for your consideration.

9 Most Expensive Neighborhoods in Portland

From the trendy Pearl to the historic Goose Hollow and Nob Hill, there are plenty of amazing Portland neighborhoods to choose from. Whether you’re looking for a luxurious home to rent in Portland or wondering where to live in the city, we’ve got you covered.

1. Pearl
2. Mississippi
3. Northwest Portland
4. Goose Hollow
5. Buckman
6. Mt. Tabor
7. Hillsdale
8. Northwest District
9. Nob Hill

Let’s jump in and see what these neighborhoods have to offer.

1. Pearl

Average 1-bedroom rent: $2,011
Apartments for rent in Pearl

Pearl is the most expensive neighborhood in Portland for renters, as the average rent for a one-bedroom unit is $2,011. There are plenty of reasons why this neighborhood draws residents.The area was once largely industrial but its historic brick warehouses have been converted to hip eateries and residential units. The neighborhood is near attractions like the Portland Museum of Art and the Lan Su Chinese Garden, making it a prime location to explore the city. The area also has views of the cityscape, making apartment views stunning. For renters living in the city without a car, Pearl is the most walkable neighborhood in Portland.

2. Mississippi

Average 1-bedroom rent: $1,983
Apartments for rent in Mississippi

North of downtown Portland, the Mississippi neighborhood is bursting with energy. This beautiful neighborhood is anchored by Mississippi Avenue and its ever-busy bars, restaurants, and music venues. You can also find Mississippi Studios, a famous recording studio and music venue in the area. The neighborhood is well-known for its green spaces like Overlook Park and the charming shops and cafes along the street. The average rent for one-bedroom apartments is $1,983, which is about $400 above the city’s average. However, residents say that Mississippi’s charm and amenities are well worth it.

3. Northwest Portland

Average 1-bedroom rent: $1,800
Apartments for rent in Northwest Portland

With an average one-bedroom rent of $1,800, Northwest Portland is the third most expensive neighborhood in Portland. This area encompasses a large swath of the western portion of the city and includes both Washington Park and Forest Park, one of the largest urban green spaces in the country. Victorian mansions and Craftsman bungalows are dotted throughout the trees and hiking trails of the area. Most of the area is quite hilly providing gorgeous views of downtown Portland as well as the Willamette and Columbia Rivers. US Route 30 runs along the Columbia, situated on the eastern edge of Northwest Portland making it a convenient location for commuters traveling north into Washington. Northwest Portland is paradise for nature lovers eager to spend time in the woods or on the river.

4. Goose Hollow

Average 1-bedroom rent: $1,740
Apartments for rent in Goose Hollow

In the hills to the west of downtown Portland, Goose Hollow is our next most expensive neighborhood with an average rent of $1,740. One of Portland’s oldest neighborhoods, it’s a popular spot for students at Portland State University. Goose Hollow is probably best known as the home of Providence Park, the soccer stadium where the Portland Timbers and Thorns play each season. There are tons of bars, shops, and restaurants in the area, contributing to its dynamic vibe.

5. Buckman

Average 1-bedroom rent: $1,730
Apartments for rent in Buckman

Just across the Willamette River from downtown, Buckman is a stellar neighborhood if you want easy access to all Portland has to offer. While more expensive, the perks of living in Buckman offset the costs. For renters dependent on public transportation, there are a plethora of bus stops in the area and the neighborhood is great for biking. The neighborhood’s central location makes it easy to access most of Portland with relative ease. The Morrison Bridge takes you straight into Downtown Portland and major thoroughfares like Rte. 99, Sandy Blvd, Hawthorn and Burnside Streets make it simple to get to popular neighborhoods to the north, south, and east of Buckman. You can also walk to attractions like the Oregon Museum of Science and Industry and Laurelhurst Park. The area is full of excellent bars and restaurants, ranging from old classics like The Sandy Hut to hip new bars like Rontoms.

6. Mt. Tabor

Average 1-bedroom rent: $1,695
Apartments for rent in Mt. Tabor

Next up is Mt. Tabor, the sixth most expensive neighborhood in Portland. In the Southeast quadrant of Portland, Mt. Tabor is full of history and charm with tree-lined streets and historic homes. Craftsman bungalows and retro ranch homes dot the steep streets leading up to Mt. Tabor Park. Mt. Tabor itself is an extinct cinder cone volcano and the park is home to century-old water reservoirs, hiking trails, and playgrounds. With stunning views of Mt. Hood and one of the city’s favorite parks, this neighborhood is worth the price. Residents can walk to fantastic restaurants and relaxed neighborhood watering holes. Annual festivals like the Soap Box Derby bring the neighborhood together and make it popular location for anyone looking to rent an apartment in Portland.

7. Hillsdale

Average 1-bedroom rent: $1,650
Apartments for rent in Hillsdale

Hillsdale is the next neighborhood on our list. Located in the Southwest quadrant of Portland, it’s known all over town for its excellent farmer’s market. Hillsdale has a friendly atmosphere and community-feeling, with plenty of local cafes and restaurants along Capitol Highway, such as Baker & Spice and Verde Cocina. You can also check out some of Hillsdale’s green spaces like George Himes Park. Since Hillsdale is located near the Willamette River and the Tryon Creek State Natural Area, its outdoorsy lifestyle is one of the many reasons people live here.

8. Northwest District

Average 1-bedroom rent: $1,600
Apartments for rent in Northwest District

Northwest District takes the eighth spot on our list of most expensive neighborhoods in Portland. The average rent for a one-bedroom unit is just slightly more than the city’s average. Characterized by tree-lined streets and beautiful Victorian homes, Northwest District offers a mix of residential tranquility and busy commercial activity. The area is home to a diverse array of shops, restaurants, and cafes, particularly along the popular NW 21st and NW 23rd Avenues. It’s also conveniently located near several parks, including the expansive Forest Park, providing ample opportunities for outdoor recreation.

9. Nob Hill/Alphabet District

Average 1-bedroom rent: $1,600
Apartments for rent in Nob Hill

A well-loved Portland neighborhood, Nob Hill is the final area on our list. Nob Hill, also known as the Alphabet District, features charming streets lined with beautifully preserved Victorian and Craftsman homes. This neighborhood is adjacent to Pearl, making it easy to explore the area. Nob Hill is home to the Portland Streetcar and the historic Powell’s City of Books, meaning there’s plenty to do throughout the week. If you need to commute to work, there are lots of options as the MAX Light Rail is nearby.

Methodology: Whether a neighborhood has an average 1-bedroom rent price over the city’s average. Average rental data from Rent.com in June 2024.