It seems the cruise lines are all trying to outdo each other by seeing who can build the biggest ship with the most bells and whistles. However, bigger is not always better. Some ports can’t fit the mega ships or accommodate the large number of passengers they bring with them. Other times, the cruise is all about the itinerary and not the ship.
That’s the case with the Celebrity Millennium, the namesake of Celebrity Cruises‘ Millennium class of ships which also includes the Infinity, the Constellation, and the Summit.
All four ships are on the smaller side when compared to Celebrity’s Solstice and Edge class ships, and they don’t have all of the latest and greatest amenities, but they’re very adequate, especially for port-intensive itineraries in Asia.
Celebrity Millennium overview
The Millennium is an older ship, with its maiden voyage taking place on July 1, 2000. However, in 2019 it received an extensive upgrade as part of Celebrity’s fleet-wide modernization effort, which cost the cruise line more than $500 million. The Millennium currently has a guest capacity of 2,218 with 11 guest decks.
The ship’s home port is in Tokyo, and it has spent the past few seasons sailing itineraries around Asia, notably taking passengers to various ports of call in Japan. It will remain there at least through the 2025-2026 season.
Unlike some cruise ships, the Millennium spends a lot of time in port, visiting up to eight ports on a 12-night itinerary. This means the ship is more often a place to eat and sleep when you’re not out exploring, instead of a destination itself — the onboard entertainment options are just an extra bonus.
Millennium accommodations
There are a total of 1,109 staterooms on the Millennium, and 58% of them feature a veranda. There are 10 different room types from which to choose — they range from luxurious suites to concierge-level rooms to basic interior staterooms.
The photo below shows a veranda stateroom on Deck 6, with 170-square feet of space and a 38-square foot balcony. The large bed can also be separated into two twin beds if needed. In addition to the area pictured, the room also features a refrigerator, drawers, a closet and a safe.
Veranda stateroom. (Photo by Tiffani Sherman)
The veranda room also comes with a small desk area near the sliding glass balcony door. The desk features several outlets for charging your electronics: two American-style outlets, two USB-A ports and one European-style outlet. There are additional outlets near the bed.
Desk in veranda stateroom. (Photo by Tiffani Sherman)
A small bathroom features a walk-in shower along with a toilet and vanity.
Veranda stateroom bathroom. (Photo by Tiffani Sherman)
The balcony was set up with two chairs and a small table, and included dividers on each side for privacy from the neighbors.
Celebrity Millennium veranda. (Photo by Tiffani Sherman)
🤓Nerdy Tip
Bring a small clock with you if you’re sailing on the Millennium. There isn’t one in the room, and it’s nice to know what time it is without having to pull out your phone.
Millennium cabin types
In addition to the veranda stateroom described above, the Millennium has several other room types:
Inside cabins and ocean view staterooms: These rooms provide 170-square feet of space and either no windows or a porthole window with ocean view, but no balcony.
Concierge Class staterooms: Concierge class rooms come with a veranda and are slightly larger at 209-square feet. These rooms have a dedicated concierge and provide passengers with access to exclusive events.
Aqua Class staterooms: For those interested in a wellness-focus, these rooms come with a veranda, premium bathroom amenities, complimentary fitness classes, access to the Persian Gardens thermal suite and complimentary dining at Blu, a “clean cuisine” restaurant solely for Aqua Class passengers.
The Retreat: This exclusive section on the ship is reserved for four different types of suites. The cabins are larger — two penthouse suites clock in at 1,432-square feet each — and guests have access to a private lounge and sundeck as well as a dedicated restaurant, Luminae. In addition to the two penthouse suites, there are 48 smaller suites on offer.
Dining on the Celebrity Millennium
The Celebrity Millennium is a bit of a throwback to the days where the main dining room was the main attraction, with the Metropolitan dining room taking center stage. However, there are several other dining options on board, ranging from a buffet to specialty restaurants that cost extra.
Metropolitan dining room
The Metropolitan dining room is the main dining venue on Decks 4 and 5. The lower deck offers anytime seating where guests can come and go when they want. The seating on Deck 5 is divided into early and late seating, where passengers show up for meals at a set time.
Parts of the restaurant are open for breakfast, lunch, and dinner and the dinner menu changes nightly. Dining in the main dining room is included in the cruise fare.
Main Dining Room. (Photo by Tiffani Sherman)
The Oceanview Café
The Oceanview Café is the buffet on Deck 10 that has a variety of food stations to choose from.
The Oceanview is open for all meals and for late-night pizza. The offerings change daily for lunch and dinner, while the breakfast menu stays pretty much the same.
The Oceanview is also where many special events happen, like special Christmas and New Year’s buffets.
Other free dining venues
Other free dining venues on the Millennium include:
Café al Bacio on Deck 5 has coffee drinks, both boozy and traditional, as well as a case with breakfast pastries in the mornings and desserts all day.
Spa Café on Deck 10 in the Solarium has healthy dishes for free and a juice/smoothie bar (which you have to pay for unless you have a premium or non-alcoholic drink package).
The Mast Grill is near the outdoor pool and has grilled hamburgers, veggie burgers, turkey burgers and hot dogs. It’s also the place to get great French fries that are perfect to eat while getting some sun near the pool.
Mast Grill. (Photo by Tiffani Sherman)
Restaurants for Aqua Class and Retreat passengers
There are also two restaurants that are exclusively for those staying in certain cabin types.
Luminae on Deck 4 is for guests staying in suites in The Retreat. It is always open for breakfast and dinner and serves lunch on days at sea.
Entrance to Luminae. (Photo by Tiffani Sherman)
Blu is on Deck 5 and is for guests staying in AquaClass cabins. It is open for breakfast and dinner.
Inside Blu. (Photo by Tiffani Sherman)
Specialty dining restaurants
The Celebrity Millennium also has four specialty dining venues that either have a prix fixe menu or a la carte fare:
Le Petit Chef at Qsine combines food, entertainment and 3D mapping to create a unique dinner show experience.
The Tuscan Grille is a combination of an Italian restaurant and a steakhouse.
Sushi on Five is exactly what it says it is, a sushi restaurant on Deck 5.
The Gelateria is also on Deck 5 and serves gelato charged by the scoop.
Sushi on Five. (Photo by Tiffani Sherman)
🤓Nerdy Tip
If you want to dine at all of the specialty dining restaurants, a specialty dining package can save you some money instead of paying each cover charge separately.
Bars and lounges
As with any cruise, there’s no shortage of places to partake in a cocktail or enjoy a glass of wine. Drinks and lounges are available on each deck, and you can carry drinks from place to place.
The Sky Lounge is located on Deck 11 and features great ocean views as well as music and dancing after dark.
Cellar Masters is on Deck 5 near the Metropolitan Restaurant. Wine is the specialty here and they serve vintages that are not available at other bars.
Entrance to Cellar Masters. (Photo by Tiffani Sherman)
🤓Nerdy Tip
Make sure you understand the pricing limits if you have a drink package. The classic drink package includes most items up to $10. The Premium package includes items up to $17. If you order something that costs more than your package limit, you will have to pay the difference.
At the Martini Bar and Crush on Deck 4, bartenders put on a show for guests while constructing complicated drinks, all atop an ice-covered bar.
Martini Bar and Crush. (Photo by Tiffani Sherman)
The Rendezvous Lounge is on Deck 4 near the lower level of the Metropolitan Restaurant. It’s a great spot for a pre-dinner cocktail or after-dinner dancing.
The Rendezvous Lounge. (Photo by Tiffani Sherman)
The Sunset Bar is also the outside seating area for the Oceanview Café on Deck 10. It’s a great place to watch the wake when the ship is sailing or catch some live music in the evenings.
The Sunset Bar. (Photo by Tiffani Sherman)
The Sunset Bar. (Photo by Tiffani Sherman)
Public areas
The Celebrity Millennium is one of the line’s smaller ships. There is a main atrium area that runs through Decks 3, 4 and 5.
Main atrium area. (Photo by Tiffani Sherman)
If you need to visit guest services or the shore excursion desk, both are in this central area on Deck 3.
Shore excursions desk. (Photo by Tiffani Sherman)
The Theater spans Decks 4 and 5. During most cruises, there are several shows featuring singers, dancers and aerialists as well as other shows with musicians and comedians.
Theater entrance on Deck 5. (Photo by Tiffani Sherman)
The Casino is on Deck 4. It is closed while in port, but open when at sea. There are plenty of slot machines, roulette wheels, blackjack tables and more.
Celebrity Millennium casino. (Photo by Tiffani Sherman)
Pools and outdoor venues
The Celebrity Millennium has two main pools. One is outdoors and for all ages. The other, dubbed The Solarium, is indoors and for adults only. Both are on Deck 10.
The main pool has chairs situated around its perimeter. Some are in the sun while others are under cover. There are also several hot tubs passengers can use here. A dual-purpose jogging and walking track circles the pool up on Deck 11.
Main pool. (Photo by Tiffani Sherman)
The Solarium is near the front of the ship and features a relaxing waterfall. The Spa Café is nearby, as well as the entrance to the spa itself.
The Solarium Pool. (Photo by Tiffani Shernan)
Padded chairs and hot tub in the Solarium. (Photo by Tiffani Sherman)
Sports decks
A multipurpose sports court is located on Deck 12. At times, it’s used as a basketball court, while other times it is for pickleball.
The sports court. (Photo by Tiffani Sherman)
There are also nearby cabanas for taking a break between games.
Cabanas near the sports court. (Photo by Tiffani Sherman)
The Rooftop Terrace
Above the Sunset Bar on Deck 12 is the Rooftop Terrace, a space with cabanas, comfortable chairs and an outdoor movie screen.
Movie screen. (Photo by Tiffani Sherman)
Shopping
Shopping is not a big focus on a smaller ship like the Celebrity Millennium, but there are a few shops on Deck 5. You can find necessities like toiletries, as well as indulgent items like jewelry.
A shop with clothing and other items. (Photo by Tiffani Sherman)
Celebrity Millennium recapped
The Celebrity Millennium may not be the newest or biggest cruise ship, but it’s an adequate vessel for port intensive itineraries like Asia, where it will be sailing at least through the 2025-2026 season.
If you’d like to sail on the Millennium, itineraries range from 11 to 14 nights and may include stops in Hong Kong, India, Indonesia, Japan, Malaysia, Singapore, South Korea, Sri Lanka, Taiwan, Thailand and Vietnam.
Top photo by Tiffani Sherman.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
The third and newest ship in the Virgin Voyages fleet is Resilient Lady, which was christened in 2023 and adds yet another bright red vessel to the high seas.
Virgin Voyages is an adults-only cruise line known for quirky modern design, entertainment that pushes the limits and exceptional, all-included specialty dining.
Virgin Voyages Resilient Lady destinations
The Resilient Lady’s home port is in Athens, and the ship sails itineraries in the Mediterranean for part of the year. Then, to reposition itself, the ship makes a transcontinental voyage that visits Dubai, India and Southeast Asia, before cruising on to Australia and New Zealand.
The ship also spends time in Europe, making stops in the U.K., the Netherlands, Spain and Portugal, among others.
Resilient Lady ship details
Don’t expect to find a lot of differences between the Resilient Lady and its two siblings, the Scarlet Lady and Valiant Lady — all three ships are nearly identical.
On the Resilient Lady, the nearly 2,800 passengers stay in just over 1,400 cabins across seven levels, ranging from solo rooms to large, impressive suites. Passengers also have access to amenities, restaurants and entertainment across another six decks, with a jogging track and yoga deck topping things off.
Expect to come aboard and find minimalist design, trendy music, lighting that changes throughout the day and a staff that sees entertaining as their raison d’etre.
Resilient Lady accommodations
The staterooms on the Resilient Lady are unique from the get-go. Instead of a traditional room key, cabins are unlocked using a bracelet made from plastic recovered from the ocean. Nearly all of the cabins come with balconies and many have a signature red hammock, allowing guests to lounge al fresco in privacy.
There are a handful of interior cabins without an ocean view. Social Insider cabins have bunk beds and are great for groups up to four, while Solo Insider cabins are smaller and perfect for the single traveler who doesn’t need a lot of space.
Both balcony and interior rooms typically have standard — and quite small — bathrooms with good lighting and wall-mounted Red Flower toiletries in the shower.
For a real treat, reserve one of the RockStar Quarters or the Mega RockStar Quarters. Some of these suites feature terrace whirlpools, living rooms and seaview showers.
Those lodged in RockStar Quarters and other suites are treated to a private area on one of the top decks known as Richard’s Rooftop. Here, the outdoor lounge serves complimentary drinks throughout the day, with live music at certain hours and whirlpools reserved for just these guests.
Other benefits of these cabins can include access to the spa’s thermal area, free laundry, comped minibars, and priority boarding. Roundtrip airport transfers are also available for these guests, and the largest suites have real guitars and amps for ensuite, self-made entertainment.
Rock Star Coordinators, otherwise known as cabin attendants, patrol the hallways of the most premium cabins to provide assistance in the room — making the bed, cleaning, helping with the ensuite record player or delivering room service.
In all staterooms, there’s an electronic tablet that controls the lights, temperature, shades, music and television. To provide extra space in some cabins, the beds can convert to a sofa during the day and revert back to a bed by night.
Resilient Lady amenities
There’s no shortage of things to do while sailing on the Resilient Lady. You can shop in the onboard boutiques, sunbathe by the pool, play basketball, enjoy arcade games, drink at the bars, test your boxing skills or relax at the spa.
The thermal spa area has steam rooms, saunas, a salt room, plunge pools, a beauty salon and spa treatment areas. Topless sunbathing is also an option on one of the upper decks.
There’s also an outdoor jogging track and free fitness classes on a fixed schedule. For a permanent reminder of your trip, visit the onboard tattoo parlor.
Resilient Lady dining
With more than 20 dining options on the ship, you can eat somewhere different daily and enjoy a variety of global cuisines.
The restaurants on the Resilient Lady are identical to those on Virgin Voyages’ other ships, and dining at all of them is included in the cruise fare. Unlike other cruise lines, you won’t pay extra to dine at specialty restaurants aboard Virgin Voyages, though some premium menu items may cost extra.
Instead of one main dining room or buffet, there’s a food hall — akin to what you might find in a high-end shopping mall — called The Galley, serving all kinds of prepared-to-order dishes. You’ll find sushi, ramen bowls, fresh salads, burgers, all-day breakfast choices, tacos, and even bento boxes with to-go goodies to take to the cabin.
Specialty restaurants include Pink Agave, a Mexican outlet with flaming skillets for fajitas and authentic fare from around the country; The Wake, featuring steak and seafood; and The Test Kitchen, serving up molecular fusion cuisine offerings. There’s also Italian cuisine, veggie-forward spots and more.
Other favorites include an ice cream bar, a carnival-inspired, 24-hour diner with popcorn and booze-infused milkshakes, and a Korean restaurant that has guests cooking barbecue and playing drinking games during dinner.
You can also pay for a dinner theater show — which includes a multi-course meal accompanied by acrobatic entertainment — or an afternoon tea paired with Champagne.
Resilient Lady beverages
One thing not included in the cost of sailing on the Resilient Lady is alcohol. There aren’t any drink packages like you’ll find on many other cruises. Instead, you can choose to pay in advance in the form of a bar tab, or as you go. If you choose to pre-pay your bar tab, you’ll get a bonus based on how much you spend.
There are numerous bars on the ship, from the rooftop pool bar to the ship’s own tap room, where you can order a beer growler to take elsewhere on the ship. And with the cruise line’s app, you can order a glass of Champagne to be delivered to you anywhere on board with just a quick shake of your phone.
For a pick-me-up, you can find all kinds of caffeinated brews at Grounds Club, and free Intelligentsia coffee is served in different venues on the ship. Travelers can also pay extra for cold-pressed juices and barista-made coffee drinks.
Resilient Lady nightlife and shows
The ship’s main hub for evening nightlife is called The Manor. Drinks flow constantly, and nightly acts include live music, comedy and even an adult-themed comedy show with audience participation. You won’t find Broadway-style musicals aboard, but there is a Greek history-inspired song and dance show.
There’s never a shortage of entertainment and talented staff perform all over the ship in bars and lounge areas, so don’t be alarmed if someone dressed as a passenger begins performing for you.
Known as “happenings” or “pop-up moments,” these impromptu improv acts add a bit of intrigue to the cruising experience.
For those who want to belt out some tunes, there’s a karaoke room. Also on the program are a casino, drag shows, fashion shows, bar crawls and even scavenger hunts.
You’ll find arcade games, themed parties (like the Scarlet Night evening) and a full roster of staff-led activities, from dance parties to pool parties.
You can keep an eye on everything by downloading the cruise line’s app or asking reception for a printed schedule. It’s easy to get around the ship since maps are posted everywhere, and the three sets of elevators are color-coded to help you know where you are (purple is at the front, blue is at the aft).
Resilient Lady inclusions
When sailing aboard Resilient Lady, you won’t pay extra for gratuities, Wi-Fi, specialty restaurants or onboard activities. However, you will have to pay extra for alcohol, destination excursions and upgraded Wi-Fi for streaming.
The cruise allows passengers to carry on board two bottles of wine per cabin at embarkation, but no liquor. This can help cut down on the cost of beverages during the sailing. Keep in mind that the drinking age changes based on where the ship is located — in the U.S. it’s 21, while in Europe and international waters the age is 18.
Resilient Lady is a treat
Virgin Voyages has managed to transform the traditional cruise experience into something both upscale, but playful enough, to appeal to all ages.
Rarely feeling crowded, the ship is hardly as large as some of the biggest in the world, and what you’ll find on this Richard Branson-born gem is exactly what you would expect from the daring British entrepreneur. Just be sure to pack an appetite, your dancing shoes and a Titanic-sized sense of humor.
(Top photo courtesy of Virgin Voyages)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Virgin Voyages cruise line debuted its first ship, Scarlet Lady, in 2020. Founded by British entrepreneur and adventurer Richard Branson, this is not your typical cruise. To start, you must be at least 18 years old to sail on Virgin Voyages. And with plenty of restaurants, a food hall, a tattoo parlor and blush-inducing shows, Scarlet Lady has plenty to offer.
Following Scarlet Lady, Virgin Voyages added two other “lady ships” to its fleet — Valiant Lady and Resilient Lady. Here’s what you need to know when sailing aboard Virgin Voyages’ Scarlet Lady.
Scarlet Lady itinerary
Scarlet Lady really gets around. With a home port in Miami, the energy-efficient ship typically sails Caribbean itineraries, calling on ports in Mexico, Cuba, the Dominican Republic, the Bahamas and more.
The cruise line also has a private beach club in Bimini, with swimming pools, restaurants, a beach area and activities. All Virgin Voyages cruises with Caribbean itineraries make a stop here.
Seasonally, the ship makes a trans-Atlantic crossing, sailing around the Mediterranean and visiting several ports in the United Kingdom.
Scarlet Lady ship tour
These enormous ships are designed for adult vacations, providing plentiful recreation and activity options for every type of traveler. Scarlet Lady has 17 decks and capacity for around 2,800 passengers in its 1,400 cabins.
Cabins demonstrate Virgin’s trademark “cool” design, with mood lighting, minimalist furniture, a slightly nautical twist in the decor, and distinct red hammocks on the balconies.
The majority of cabins have balconies, which gives this ship an edge when courting travelers. The premium cabins are the RockStar and Mega RockStar Quarters, which come in various configurations and designs.
The most glamorous suites have whirlpools on the terrace, separate dining and living areas, and larger bathrooms — some even have an outdoor shower. All suites boast a record player. Even the stateroom attendants bear a unique title: Rock Star Coordinators.
Booking a premium cabin and suite gives guests access to Richard’s Rooftop, an alfresco lounge and patio with sitting areas, an open bar, whirlpools and live entertainment. Other perks include airport transfers, priority disembarkation and boarding in ports, access to the spa’s thermal suite, free laundry and clothes pressing, and comped minibars.
Other cabin types include those with bunk beds (ideal for friends traveling together) and solo cabins.
When out and about, there are plenty of shopping opportunities, including the chance to get inked at the onboard tattoo parlor (the first of its kind on a cruise ship).
As you meander the ship, you’ll discover everything from basketball courts, a boxing ring and gym equipment to a spa with a thermal area and relaxation nets that dangle over the sea.
Private deck cabanas at Mediterranean eatery The Dock feature day beds that look out toward the ocean, and ample lounge chairs ring the party-centric pool, where staffers circle with drinks.
In addition to a menu of spa services, there are also saunas, steam rooms, a salt room, a mud room, a beauty salon and plunge pools. Once the sun sets, a DJ sets up shop to create a party atmosphere in the same space.
One quick shake of your mobile device when using the onboard app summons an attendant with Champagne.
Scarlet Lady dining
Instead of one main dining room, there are individual restaurants and a food hall with dining options at all hours.
In the food hall, there are also takeaway bento boxes with snacks like sushi, fresh fruit, salads and sandwiches. Other options include a burger bar, a taco shack, a sushi station and a ramen shop. It’s all included in the cruise price, and everything is made fresh to order.
Among other dining options on the ship are a Korean barbecue eatery, a steak and seafood cafe, molecular fusion cuisine where dishes are served in opulent style with a scientific twist (think test tubes and beakers for some dishes), Italian, Mexican, a pizza bar and an all-vegan/vegetarian option.
There are several bars on board, including a tap room called the Draught Haus, which offers an array of beers on tap and by the bottle. Among the options in the Draught Haus and elsewhere on the ship is Virgin’s own bespoke beer, an English Pale Ale with a hint of red, brewed by Miami’s Wynwood Brewing Company.
Made-to-order barista coffee from Intelligentsia is available, and there’s a cold-pressed juice bar for those looking for a healthy refreshment.
Scarlet Lady bars, nightlife and shows
For entertainment, passengers can head to The Manor, a multi-bar nightclub with a ’70s punk vibe, which features a rotating line-up of comedy acts.
The party atmosphere lasts late into the night. As you wander the ship, keep an eye out for “Happenings,” the unscheduled improv acts and performances that the staff do to spice up things when you least expect it.
Other destinations for activities include a karaoke room, a casino, a private gaming area, a poker room, a cinema and a record store. The occasional fashion show also takes place on board.
One thing that Scarlet Lady does not offer is the typical stage show with singers and dancers performing to a prerecorded soundtrack. The onboard entertainers do, however, sing and dance by the pool, in the nightclub and on the stage.
There are no Broadway-style shows, either. Instead, look for solo performers in various bars and by the pool. The space is carefully curated so that no matter where you are, there is something to enliven the atmosphere (whether through art, design, music, or simply the view).
The bottom line
Sailing with Virgin Voyages is not your standard cruise experience. While the adult-themed onboard vibe is playful, this is not the jam-packed ship with waterslides and bingo cards some might imagine.
Step aboard with an open mind and some knowledge of Richard Branson’s Virgin Group brand track record, and you’ll be sure to enjoy a different type of cruise vacation.
(Top photo courtesy of Virgin Voyages)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Boston, a coastal city steeped in history and culture, is also a haven for renters seeking walkable neighborhoods. From the charming cobblestone streets of Beacon Hill to the lively energy of the South End, Boston offers endless pedestrian-friendly locales. Rentals are expensive, though, with one-bedroom units in Boston costing an average of $3,780.
In this ApartmentGuide article, we’ll uncover the most walkable neighborhoods in Boston, providing insights to help you find your perfect fit. So, get ready to explore the city’s unique neighborhoods, where every corner holds a new discovery.
All data sourced March 2024.
1. Beacon Hill
Walk Score: 99
Beacon Hill is the most walkable neighborhood in Boston, with a Walk Score of 99. Renowned for its historic charm, residents and visitors alike can explore the area and take advantage of its walkable layout. Notable attractions include the Massachusetts State House and the famous Boston Common.
Search for Beacon Hill apartments for rent.
2. Chinatown – Leather District
Walk Score: 99
Chinatown – Leather District has a Walk Score of 99, tied for being the most walkable neighborhood in Boston. There’s a lot to love about the area, from its vibrant food scene to its bustling shopping district. While you’re walking around the neighborhood, check out the beloved Chinatown Gate.
See Chinatown – Leather District apartments for rent.
3. North End
Walk Score: 99
North End is the third most walkable neighborhood in Boston. There are numerous walkable areas and attractions throughout North End, like the Paul Revere House and the Old North Church. And if you’re in the mood for an adventure, you’re not far from the Boston Harborwalk.
Find North End apartments for rent.
4. Bay Village
Walk Score: 98
Bay Village has plenty of amenities a resident might need within walking distance. From Elliot Norton Park to the Charles Playhouse, you’re sure to find something to love. A notable amenity is the Kings Chapel Burying Ground, which is a historic tourist attraction.
Browse Bay Village apartments for rent.
5. Downtown
Walk Score: 98
As the fifth most walkable neighborhood in Boston, Downtown is known for its bustling business district. Consider exploring NOrman B. Leventhal Park or grabbing a bite to eat at the Quincy Market with friends. There are plenty of other amenities in this urban community as well, like the New England Aquarium and the Boston Tea Party Ships & Museum.
Discover Downtown apartments for rent.
6. South End
Walk Score: 97
South End has a Walk Score of 97, making it the sixth most walkable neighborhood in Boston. Known for its Victorian brownstone homes, residents and visitors can choose from walkable amenities such as the SoWa Open Market and the Boston Center for the Arts. While you’re out, check out the South End Historical Society.
Look for South End apartments for rent.
7. West End
Walk Score: 97
West End is tied as the sixth most walkable neighborhood in Boston. This urban community has quite a few hotspots for residents to visit on foot, including the Museum of Science and the TD Garden. While you’re walking, take a moment to smell the flowers along the Charles River Esplanade.
Search for West End apartments for rent.
8. Back Bay
Walk Score: 97
Back Bay has a Walk Score of 97, making it also tied as the sixth most walkable neighborhood in Boston. There’s a lot to love about the area, from grabbing a bite at one of dozens of restaurants along nearby Newbury Street, to taking a walk at the Boston Public Garden. If you’re up for a longer outing, Back Bay Fens is popular among locals.
Find Back Bay apartments for rent.
9. Central Maverick Square
Walk Score: 95
The ninth most walkable neighborhood in Boston is Central Maverick Square. Pedestrians can enjoy the variety of restaurants, cafes, and shops, like the East Boston Farmers Market and the Piers Park Sailing Center. It’s also easy to walk over to the East Boston Greenway for a great day out.
Peruse Central Maverick Square apartments for rent.
10. Fenway
Walk Score: 95
Fenway is the tenth most walkable neighborhood in Boston. Local attractions here include Fenway Park, Northeastern University, and the Museum of Fine Arts, providing residents plenty of places to get together and enjoy their urban community.
Discover Fenway apartments for rent.
Methodology: Walk Score, a Redfin company, helps people find walkable, bikeable, and transit-friendly places to live, rating areas on a scale from 0-100. To calculate a Walk Score for a given point, Walk Score analyzes thousands of walking routes to nearby amenities, population density, and metrics such as block length and intersection density. Points are awarded based on the distance to amenities in each category.
Editor in Chief Sarah Wheeler sat down with Dan Stewart, founder and CEO of Happy Grasshopper, to talk about the company’s tech strategy in creating content that resonates with consumers. Storytelling is key to the company’s success and Stewart’s own story explains how he stays cool in any market cycle. Turns out being stranded at sea in shark-infested waters puts everything else in perspective.
Sarah Wheeler: What differentiates your technology?
Dan Stewart: When you think of the technical landscape today, specifically for CRM, at the very core, everything does almost exactly the same thing: It segments contacts and it sends messaging. That’s not a significant technical challenge. The challenge is creating and delivering messaging that produces the desired result for the person sending the message. And that’s what we focus on.
Today we’re nurturing about 37 million contacts on behalf of our members. And we’ve built a reporting engine we affectionately call queen bee reporting. We leverage AI to crunch the numbers, because the datasets get so large so quickly. We leverage AI to make sure that our members are sending content that’s most likely to be well-received by the target audience and to produce the conversations that they need to have.
SW: How do you know what the “right” content is?
DS: Looking in the data, it really highlights some key things:
The No. 1 thing that determines the effectiveness of a message is the relationship between the sender and the recipient.
We all have people in our lives, it doesn’t matter what the subject line is, we’re going to pay attention to their message because it’s from them. Right? On the other hand, if your phone rings and it says potential spam, there’s almost no chance you’re going to answer it. So relevancy of that relationship is very important.
The second most important thing is the relevancy to the time that the message is sent. So the cycle of what’s happening in the world becomes extremely important for creating effective messaging. The way to start that conversation is to leverage what I call the formula for engagement — basically we have to raise their curiosity and leave it unresolved.
SW: What are some use cases of the formula for engagement?
DS: So first, as a brand, we create content for agents that’s designed to go to people they know, typically past clients and sphere. And this content is not typically about real estate. It’s about something interesting that’s happening today, that we can use as conversation starter.
The second type of content we send is lead conversion and nurturing content. The timing, the duration, the frequency — all of that gets influenced by the source of the lead and the time of day that the lead is captured.
The third category is the attraction and recruitment of more people to a brand. Whether it’s branch managers to a mortgage firm, LOs to the branch manager, real estate referral partners to the LOs — there needs to be a very clear understanding that the content strategy must be very appropriate to the goal.
SW: What really differentiates your tech?
DS: Happy Grasshopper is a true managed service so our tech is very important, and yet our core belief is that tech alone isn’t enough. Agents have a lot of technology today. But that doesn’t mean they’re using it as well as they could be.
I have three core beliefs that really underpin everything I do at Happy Grasshopper. The first is that whatever we want to achieve in business, it’s most easily achieved through relationship. The second is that relationships only really live in one place and that’s conversation. And the third is that conversations lead to closings. I’ve yet to meet an agent or an LO who will not earn more commission if they have more conversations.
SW:What past experience influences the way you think about tech today?
DS: Prior to Happy Grasshopper, I built and exited a CRM company. We built white label software for franchisors — we gave the brand exactly what they wanted. And then of course, they’d roll it out to their franchisees who would log in once and then almost never come back. Which was what kept me up at night at the time.
Post-exit, I had this realization that we did it in the wrong order: we really should have built from the bottom up. So very intentionally when I started Happy Grasshopper, we focused only on serving the end user. And then we added teams, and then we added brokerages. And now we’re at the true enterprise brand level. And we get lots of usage and engagement in our application, because we’ve built it in such a way that the end user actually gets value from it every time they use it.
SW: How is AI helping you with the actual content you create? Or is that created by humans?
DS: We do not use generative AI to create content for our members. We have a staff of real human writers, college-educated, with 401(k), medical, dental benefits — real, actual people who take the time to interview our members. And we ask our members to review the content that we wrote for them and confirm whether or not it sounds like them.
And then we leverage the AI to really scrub the data — we’re sending messaging to 37 million contacts, we really need help understanding what the results of all that data means. It’s not like we have just one reporting page where you could see what your open rate was on a particular email and make a good decision. We’ve used the API to parse the messaging for tone, for length. And we use that data in conjunction with the data reporting, to help our human writers understand why particular messages are more successful than other messages. And I’m really proud of the results we’ve been able to create for our members.
We have taken the time to really build this, and we’re at the precipice of massive scale. We’re about to grow tremendously. Because it’s, it’s time for the brands to really understand how we can help all of their agents find more transactions. And in a market that’s having fewer deals closed than in years past, relationships are what’s going to lead people through this.
What do we do in our lives in times of crisis? We turn to people we trust. Whatever’s happening in the market, it can always be used to start a valuable conversation and help the right-minded real estate professionals show up as people who provide massive value rather than just attempt to garner commissions.
SW: What’s the profile of your members?
DS: We have members today in about 40 different verticals. Over 90% of our membership is in real estate and mortgage and we create content for buyers agents, listing agents, team leaders, broker owners, regional management, national management. We’ve also written content for brands.
SW: How do you think about cybersecurity?
DS: At Happy Grasshopper we don’t retain mortgage information, financial information — no one uploads that into our system, because it’s not necessary for us to have that information on file. So just from a business case perspective, if we were ever breached, the sorts of things that would be taken, we would just be limited the contact information. And course, that would be a horrible thing. But I know that being diligent and then having a business use case where we’re not really hanging on to any sort of super-sensitive information is an advantage for us.
SW: What keeps you up at night?
DS: Almost nothing. I sleep incredibly well. I’ve lived a very weird life. I moved a lot. As a kid, I had 14 schools before I graduated. One of my formative experiences was when my father’s boss inherited a sailboat. And my dad volunteered to sail it from the Florida Keys up to Sarasota. And the boat sank — we spent the better part of two days thinking that the sharks were going to come in and eat us. I can tell you: there’s nothing that I’ve ever faced in business that scared me as much as that.
SW: What? I think we need more details!
DS: My dad was a West Point grad, a civil engineer. He was an experienced power boater — he was not an experienced sailor. And that didn’t bother him. He thought, ‘You know what, this would be a great family vacation, let’s go.’ And so we left Islamorada, sailing due east. And he sailed us right into the largest barrier reef in North America. It knocked a hole in the side of the boat and the boat went down really quickly. It leaned over on its side and we had this little hump of fiberglass just above the water that we clung to the rest of the day, waving our arms. And then the sun went down and the tide came up — that night was terrifying. [The family was in the water another day] As the sun came up on the second day, there was a Coast Guard cutter, and they came and got us off the reef.
So, how privileged are we to be alive at this particular moment? The poorest of us have access to things the richest people up to 100 years ago couldn’t even imagine. It’s an amazing time to be alive. And I feel really privileged to be part of that fuel that’s connecting people in the digital age.
Looking for the best fun jobs that pay well? Many people dream of having a job they love that also pays well. I completely get it – you don’t want to hate working a job that you’ll be at 40 hours a week! I’m very grateful to have a job that I love. I don’t…
Looking for the best fun jobs that pay well?
Many people dream of having a job they love that also pays well. I completely get it – you don’t want to hate working a job that you’ll be at 40 hours a week!
I’m very grateful to have a job that I love. I don’t dread any day of the week, and I genuinely love what I do. Due to that, I hope everyone gets to feel the same about their job as well.
Thankfully, it’s easy to find a job that lets you do what you enjoy and still pays you a good paycheck. Whether you love working online or driving fast cars, there are many job options that let you have fun while also making good money.
Whether you want to make extra income or find a full-time job, there are many fun jobs that pay well that may interest you.
Fun Jobs That Pay Well
When you’re looking for a job, it’s great to find one that you find fun and that also pays well. Here are some top choices to start with:
Bloggers work from anywhere and write about topics such as family, recipes, personal finance, travel, and more. This is what I do, and I think it’s a ton of fun. Plus, it pays very well!
Art therapists use creativity to help others. They draw or paint as a way to support people’s emotional health. This job requires a master’s degree, but it combines art with helping people, which can be very rewarding.
A Ferrari driving instructor teaches others how to drive a luxury sports car. It’s not just exciting; it can also pay between $90,000 and $120,000 a year.
If you like spotting mistakes in content, then finding a proofreading job may be perfect for you. Proofreaders act like an extra set of eyes to read articles, papers, books, ads, and other written content.
Below are over 40 other fun jobs that pay well that I recommend learning more about.
1. Blogger
If you want to find a fun job that pays well, my favorite way is to start a blog. That’s exactly what I do for a living!
A blog is content written on a website. It usually includes articles like what you’re reading here.
You can blog about something you’re passionate about or something you know a lot about. Or even a topic you want to learn more about (people love following others’ firsthand journeys!).
I began Making Sense of Cents in 2011, and since then, my blog has earned me over $5,000,000 over the years.
I started my blog on a whim to share my own money journey. At first, I didn’t even know people could earn money from blogs or how to make a successful one. And now, it’s my full-time job!
There are many ways to make money blogging such as:
Advertising revenue (banner ads that you see in blog posts)
Sponsored blog posts (when a blogger partners with a company to promote a specific item or company)
Affiliate marketing (when a blogger receives income for referring readers to a product)
Selling digital products or services (such as courses, clothing, books, and more)
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
10
Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Printables designer
Making and selling printables can be a fun way to earn money. When you create printables on Etsy, you only need to make one digital file for each product. After that, you can sell it many times to make more money.
Printables are things you can find online and print at home.
These can be things like a planner, coloring pages, wall art prints, greeting cards, gift tags, and so much more.
I buy printables frequently, and so do others all the time. Recently, I bought a printable for my daughter and it was a useful tool to help teach her the alphabet. I love that I can easily search what I’m looking for and get exactly what I want – plus I can print it right at home quickly!
Recommended reading: How I Make Money Selling Printables On Etsy
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
3. Voice actor
A voice-over actor is someone you hear but don’t usually see in things like videos on YouTube, documentaries, radio ads, TV ads, corporate talks, online courses, audiobooks, video games, movies, and cartoons.
Voice actors don’t necessarily need experience for this job (although it can be helpful later on). What’s important is having a voice that matches what the company is searching for.
Recommended reading: How To Become A Voice Over Actor
4. Photographer
As a photographer, you get a special chance to capture moments and tell stories with your camera. Photography has many different areas where you can focus, and they can be both satisfying and financially rewarding.
Here are some examples:
Photojournalist – You document events for media outlets, such as National Geographic.
Wedding Photographer – Your role would be capturing wedding moments in couples’ lives.
Stock photo photographer – Photographers can sell their pictures on stock image sites, which are really popular. These sites let customers purchase pictures for things like websites, TV shows, books, and social media.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
5. Buy and sell flipper
Being a buy-and-sell flipper means you’re into flipping items for profit.
This includes getting undervalued things from flea markets, garage sales, or online places and then selling them for more money.
This could be things like clothing, electronics, furniture, cars, and so much more. Basically, anything and everything!
Your success depends on how good you are at finding good deals, knowing the values in the market, and selling things again for a profit.
10
This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
6. Proofreader
As a proofreader, your careful attention to detail can become a rewarding career. Proofreading means going through texts to fix grammar, spelling, and punctuation mistakes before they get published. This job is important to make sure written content is clear and doesn’t have errors.
Many people, like authors, website owners, and students often hire proofreaders to make their work better. There’s a big need for proofreaders, and you can find jobs on various platforms.
Even the best writers can make mistakes in grammar, punctuation, and spelling. That’s why getting a proofreader can be really helpful for almost everyone.
In fact, although I have written over 2,000 articles, I have a proofreader who will have proofread this very blog post.
Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year)
10
This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
7. Freelance writer
Freelance writers create content for clients, like blog posts and advertising. Freelance writing usually involves working independently. Clients give you a topic, you write about it, and then you might receive feedback, like suggestions to improve or add paragraphs.
You can write about any topic that you want to – such as travel, money, home, and so on.
How much you make as a freelance writer depends on your experience and the topics you write about. When you start, you might earn around $50 to $75 for a 500-word article. As you get better, you can charge more. For a 1,000-word article, you could make between $100 and $150. If you do well over time, you can ask for even higher rates.
I was a freelance writer for many years before transitioning to full-time writing here on Making Sense of Cents. It’s a great career where you can mostly work from home on your own.
Recommended reading: 14 Places To Find Freelance Writing Jobs
8. Graphic designer
A graphic designer is someone who makes designs for people and businesses. As a digital designer, you might create images, social media graphics, printables, T-shirt designs, business cards, stickers, logos, and more.
As a graphic designer, your main job is to communicate through visuals. You use a mix of typography, images, color, and layout to convey messages and brand identities. This field gives you the freedom to express your creativity in different ways, whether it’s through digital designs or print materials.
Recommended reading: How To Make Money As A Digital Designer
9. Social media manager
Being a social media manager is an exciting career choice and your main job is to take care of how a company or person appears online on different platforms. Your tasks include interacting with followers, selecting content, and planning social media posts.
Here are the key areas you typically need to focus on:
Content creation – Create fresh, original posts tailored to each platform.
Engagement – Interact with the audience by responding to comments and direct messages.
Strategy planning – Use data analytics to drive social media strategies, aiming for increased engagement and reach.
The salary can vary, and you can choose to do this job either part-time or full-time.
10. Social media influencer
Related to the above, you can make money with your own social media accounts as well.
Have you ever followed someone on Instagram or TikTok and thought to yourself that it would be fun if you could do something similar?
Social media influencers use different online platforms to create, share, and connect with content that their audience likes. Your success depends on growing a big group of followers and establishing yourself as a trusted voice in your specific area.
As an influencer, you’ll create your brand by sharing your interests, pictures, and opinions on social media platforms such as Instagram, TikTok, Facebook, and others.
You can earn money through sponsored posts (when brands pay you to promote their products or services in your Instagram posts), affiliate marketing (earning commissions from sales through your referral links), and by creating digital products like ebooks or online courses.
I’ve been a social media influencer for years, monetizing my Instagram and Facebook accounts. It’s a great experience as I get to collaborate with companies I love and promote products I already use.
11. Veterinarian
If you have a passion for animals, then becoming a veterinarian may be a great fit for you.
Veterinarians have a skilled and fulfilling role dedicated to animal health and welfare. The main responsibility is to provide medical care to animals, diagnose health problems, and perform surgeries.
Vets work in private clinics, animal hospitals, research facilities, zoos, and more.
The veterinarian career path is rewarding as it lets you blend a love for animals with the chance to make a positive impact on their lives.
To become a veterinarian, you must complete a Doctor of Veterinary Medicine (DVM) program and obtain a state license to practice. This usually involves:
A bachelor’s degree
A four-year veterinary program
The national average salary for veterinarians is around $100,000 per year.
12. Marine biologist
One job that I dreamed of as a kid was to become a marine biologist. It always sounded like so much fun to work with water and sea animals.
Marine biologists study marine organisms and how they behave and interact with the environment. Your work might take you from coastal wetlands to the deepest parts of the ocean.
Here are some of the things they do:
Conduct research on marine wildlife and ecosystems
Monitor the health of marine habitats
Develop conservation plans
Educate the public and policymakers
Marine biologists are important for understanding marine life and contributing to ocean conservation efforts.
13. Mystery shopper
Retailers, restaurants, and financial institutions need mystery shoppers for detailed feedback to improve their customer service and products.
This might not be a full-time job, but it can provide you with some extra money each month.
I remember when I first learned about mystery shoppers. I was working at a clothing store, and we would have mystery shoppers come in to see how we were doing. We never knew who the mystery shopper was, but we would get to read their report afterward and see what they thought of us.
After learning about mystery shopping, I found a website where I could become one as well. It sounded like fun to get paid to shop.
I would make about $150 to $200 per month through mystery shopping, and I also got free items and services, like $100 to spend at restaurants (where I had to provide feedback while I was there), makeup, and more.
Recommended reading: How To Become A Mystery Shopper
14. Architect
Architects have a special mix of creativity and technical skills, allowing them to design buildings that are not just attractive but also functional and safe.
Their role includes making detailed plans, and considering factors like sustainability, budget, and client needs.
To become an architect, you typically need a bachelor’s or master’s degree in architecture and you’ll need state licensure, which is obtained by passing the Architect Registration Examination (ARE).
15. Stunt person
A stunt person is a cool job where you use your physical skills to create exciting action scenes for movies, TV, and live shows. It’s a big part of making the action look real and thrilling.
To do this job, you might need lots of training in things like martial arts, gymnastics, or extreme sports. You also have to be good at handling pressure and follow safety rules closely.
16. Professional video gamer
Yes, if you like video games, you may actually be able to make money as a professional video gamer.
While the amount of money you can make will definitely vary, top gamers have the potential to earn from tournament prizes, sponsorships, and streaming content for fans:
Tournaments: Prize pools can be large, reaching into the millions for top-ranking competitions.
Streaming: Platforms like Twitch and YouTube pay through ads, subscriptions, and donations.
Sponsorships: Companies may endorse you and pay you with sponsorships or free items.
You could maybe even find a job working for a video game designer, testing out video games so that companies can improve their video game design.
Recommended reading: How Much Do Twitch Streamers Make?
17. Chocolatier
Many people at some point in their lives want to become the person who makes chocolate and candy – sounds amazing after all, right?
A chocolatier is someone who uses cooking and art skills to make chocolates. It’s a job that needs creativity, precision, and a good sense of taste.
You might work for yourself, making chocolates, or you may even work for a large chocolate company. I know people who do both!
18. Personal trainer
If you want to find a job that you’ll love, becoming a personal trainer may be it.
Personal trainers play an active role by combining fitness with motivational skills to help people reach their health and fitness goals. This job includes:
Assessing clients’ fitness levels and health conditions
Developing personalized workout and nutrition plans
Demonstrating exercises and routines to clients
Tracking clients’ progress and adjusting plans as needed
How much you earn as a personal trainer can change a lot based on where you work, your qualifications, and the clients you get. Personal trainers usually make an average of $40,000 to $70,000 per year.
19. Supercar driving instructor
Supercar driving instructors have an exciting job where they help people learn how to drive fast cars on racetracks.
The role includes teaching safety and giving an exciting experience as well as explaining how to handle the vehicles, follow track rules, and use advanced driving techniques.
You can usually earn a high income doing this, plus you get to drive some of the world’s most exotic supercars.
20. Toy designer
Being a toy designer is probably most children’s dream career. After all, who hasn’t loved toys at one point in their life?
The toy industry is always looking for creative designers to make new toys that will grab kids’ attention and imagination.
Toy designers have a cool job where they mix creativity with making things work well. The main aim is to create toys that are fun and help kids learn and grow. This special job combines artistic skills with knowing about how children think and learn.
21. Restaurant critic
Restaurant critics evaluate dining establishments and share their experiences through written reviews. Their main responsibility is to provide an unbiased review of the food quality, service, ambiance, and overall dining experience.
To gain experience and get started, begin by developing your taste buds and learning about different cuisines. This can involve:
Going to cooking workshops
Exploring different food places when you travel
Creating your own blog or starting an Instagram dedicated to food
22. Brewmaster
If you love craft beers and enjoy understanding how fermentation works, becoming a brewmaster could be a fun and rewarding career.
Brewmasters manage the brewing process, such as creating recipes, choosing ingredients, and making sure the quality is top-notch during production.
To start, you might need formal education, such as a degree in brewing science or a related field. However, some brewmasters climb the ladder from roles like brewing assistants, gaining experience through on-the-job learning.
23. Fashion designer
Fashion designers make clothing, accessories, and shoes, and they draw designs, pick fabrics and patterns, and guide how the products designed should be made.
Fashion designing can be a fulfilling career if you love fashion and enjoy creating. It gives you a chance to express yourself personally and can even lead to getting noticed in the industry.
24. Food stylist
Food stylists combine culinary art with aesthetics, making sure that dishes not only taste good but also look delicious and perfect for photographs.
Their duties include choosing ingredients thoughtfully, preparing the food, and presenting it in a way that’s visually attractive. This is important for different media like advertising, packaging, cookbooks, and film.
25. Event planner
Event planners organize events, from big corporate conferences to small weddings. Their main job is to make sure every part of the event matches the client’s vision, fits the budget, and meets the goals.
According to Glassdoor, the average pay for an event planner is around $50,000 per year. Your salary can change based on things like your experience, where you work, and the size and type of events you handle.
26. Animator
If you’re looking for fun jobs that pay well, then becoming an animator may be it!
Animators make visual creations, and their main focus is on designing characters, environments, and entire worlds in 2D or 3D formats.
Here’s what you may work on:
Character design: Create and develop characters for various media.
Story development: Collaborate on storyboards to plan out visual narratives.
Animation: Work with digital tools to animate drawings and models.
The animation industry values creativity and technical skills and also pays competitive salaries with the opportunity to contribute to exciting storytelling processes. Whether you’re involved in creating animated TV shows, movies, or video games, being an animator can be both enjoyable and financially rewarding.
27. Real estate agent
Real estate agents are professionals who help people buy and sell properties, such as houses and commercial buildings.
I know a few real estate agents, and they all seem to love their jobs. They get to see beautiful new homes and properties and help their clients find their dream property.
Plus, they usually set their own schedule, which can help you create a better work-life balance.
28. Private investigator
Private investigators conduct investigations on various matters, including legal, financial, and personal issues.
This may include doing things like surveilling someone to get information, interviewing people to get details, researching public and legal documents, as well as gathering evidence for cases.
Here are some steps to becoming a private investigator:
Have a high school diploma or equivalent. Perhaps even get a degree or certification in criminal justice or a related field.
Gain experience in a related field such as law enforcement or the military.
Acquire a private investigator license, as required by your state.
29. Romance novelist
Starting a career as a romance novelist can bring both fulfillment and income. If you love storytelling and especially romance, this can be a fun one to think about.
Recommended reading: How to Make Money Self-Publishing Short Romance Novels
30. Interior designer
Interior designers mix creativity with practicality to decorate the insides of properties. Their job is to design and put in place the aesthetic and functional aspects of residential or commercial spaces.
Your job would be to create an environment that looks good and is comfortable for your clients.
31. Airline pilot
Airline pilots have a career that is both exciting and has the potential to make a lot of money. Their main job is to pilot commercial aircraft, flying from one place to another, and making sure everyone on board, including passengers and crew, stays safe.
Some of their daily duties include:
Conduct pre-flight inspections
Navigate the aircraft
Communicate with air traffic control
Monitor weather conditions and aircraft systems
Lead the crew and manage any in-flight issues
32. Drone pilot
Drones have gained popularity lately, not just for recreational use but also for jobs requiring aerial photos and videos. This creates a growing opportunity for individuals to start small businesses and make money with their drones.
Your job as a drone pilot may be to:
Take high-quality images and videos from unique perspectives, such as for real estate, construction, or events.
Perform inspections, surveys, and mapping for various industries like mining or agriculture.
Analyze data and images to give insights to clients.
Recommended reading: How To Make Money With A Drone
33. Sommelier
Sommeliers have a lot of knowledge of wine and can share it in a fun way.
This job is usually found in upscale restaurants, and this role involves suggesting wines that go well with customers’ meals, conducting wine tastings, managing wine service, and taking care of the wine cellar.
34. Chef
Chefs, of course, play an extremely important role in a restaurant kitchen, crafting menus and overlooking meal execution. Their primary responsibilities include tasks like:
Menu Design: They create food menus for a restaurant.
Food Preparation: They oversee and sometimes partake in the detailed preparation of ingredients.
Cooking: They cook the restaurant meals and oversee other cooks in the kitchen.
35. Cruise director
Cruise directors make sure passengers have an unforgettable experience aboard a cruise ship. This job requires a fun personality and excellent skills in managing both entertainment programs and a team of staff members.
Their responsibilities include planning and supervising all onboard entertainment, such as shows, events, and activities.
We went on an around the world cruise recently and had an amazing cruise director. It looked like such a fun job, and they got to travel everywhere that we did (of course!).
Recommended reading: How To Get Paid To Travel The World (18 Realistic Ideas!)
36. Astronomer
Astronomy is a field that combines the excitement of exploring the cosmos with the satisfaction of solving complex problems. As an astronomer, you enter a world dedicated to understanding celestial phenomena and the principles of the universe.
Usually, a Ph.D. in astronomy or a closely related field is needed to conduct independent research or work at a university. However, with a bachelor’s or master’s degree, you might find opportunities at planetariums, observatories, or assisting with research.
37. Netflix tagger
If you’re seeking a fun yet rewarding job, becoming a Netflix tagger could be an interesting option. In this job, you watch Netflix content and assign specific labels to shows and movies, influencing the platform’s recommendation algorithm.
To get started, you will need to apply through the Netflix jobs portal, where available positions are listed. Experience in film and media studies, while not mandatory, can give you an advantage.
Recommended reading: 7 Best Ways To Get Paid To Watch Netflix
37. Geologist
Geologists explore and study the earth’s composition, processes, and history.
Their job can lead to finding valuable resources like minerals, oil, and gas, and they also have an important part in environmental conservation and predicting natural disasters.
38. Dog walker
If you love pets, then this is the fun paying job for you!
Dog walkers do exactly that – walk dogs while their owners are busy, such as at work or on vacation. If you like dogs, then this can be a fun way to spend time with animals and get paid for it.
To become a sought-after dog walker, you should be reliable, good with animals, and you should have excellent customer service skills to build connections with clients. Dog walking allows you to enjoy the fresh air, bond with different dogs, and make money doing something you love.
Recommended reading: 7 Best Dog Walking Apps To Make Extra Money
39. Ethical hacker
Ethical hackers think and operate like malicious hackers but with a specific goal: identifying and fixing security vulnerabilities before they can be exploited.
They act as safeguards, testing and securing systems to prevent potential breaches for companies.
This job involves a lot of problem-solving skills, as you are looking for possible security problems.
40. Travel agent
If you like planning trips, then becoming a travel agent may be a great way to have a fun high-paying job.
Travel agents craft and sell travel experiences. They help advise clients on different travel destinations and arrange transportation, hotels, tours, and more. It’s a job that not only pays well but allows you to help others travel.
You may help people plan their honeymoon, a trip to Disney World, an around-the-world cruise, and so much more. There are travel planners for every kind of trip that you can think of.
Your knowledge and skill in handling the challenges of travel planning make you a very important help to travelers who want their experiences to be stress free.
The average annual salary can vary by a lot, and this can be either a part-time or full-time job. There is a lot of job growth too, as more and more people are going on vacations!
41. Personal shopper
Personal shoppers give a shopping service for clients who either lack the time or the style to select their own stuff. As a personal shopper, your job may range from picking clothing to finding the perfect gift.
You may work at a high-end retail store, or you may be a freelance personal shopper – there are many jobs in this field!
42. Park ranger
Have you ever been to a beautiful place like Yosemite National Park and wondered what it would be like to work there?
Park rangers work in places like beautiful national parks and get to enjoy the scenery every single day. Their responsibilities include protecting and managing parks, wildlife, and historical sites and making sure that both the natural resources and the visitors exploring them are safe.
To become a park ranger, you usually need a combination of education in fields related to conservation, environmental science, or wildlife management, and relevant work experience.
Recommended reading: 15 Outdoor Jobs For People Who Love Being Outside
43. Tour guide
Being a tour guide gives you a chance to share your love for travel or history with others, all while making a living. You’ll get to be in different places like historical sites, museums, or outdoor adventures.
This can be a low-stress job with a big fun factor – as you get to explore places that you probably already love and are an expert at.
Recommended reading: How to Make Money as an Airbnb Experience Host
44. Yacht crew
Working on a yacht can be a thrilling job that mixes travel, adventure, and the chance to meet new people, along with the possibility of earning good money.
If you work on a yacht, your job could be as a captain, mechanic, server, cleaner, chef, and more. If you’re on a smaller boat, you might even handle all these tasks.
Jobs on a yacht or big sailing boat are usually hard work, but the perk is that you get to travel with most expenses covered, while also earning a high income.
45. Flight attendant
Being a flight attendant is important for making sure passengers are comfortable and safe. You’re like the friendly face of the airline during flights, taking care of different needs and keeping service standards high.
Plus, you get to enjoy the unique perk of discounted or free travel, which is a big perk of becoming a flight attendant.
Flight attendants can earn a good income, and the benefits are excellent. They usually make between $50,000 to over $100,000 a year. The training to become a flight attendant usually takes around 1 to 2 months.
Recommended reading: How To Become A Flight Attendant And Make $61,640 Each Year
46. Art therapist
Art therapists combine the creative process with psychological healing to provide a unique kind of mental health therapy. They conduct one-on-one or group therapy sessions, and being an art therapist can be very fulfilling as you help people discover their voice and heal through art.
Art therapists work at schools, psychiatric hospitals, veterans associations, and more. Usually, you need a master’s degree to enter this field.
They use art therapy to assist people in expressing their emotions, dealing with complex feelings, and enhancing self-awareness. Their job isn’t just about being artistic; it’s deeply connected to therapeutic practices that help a variety of clients.
Another job similar to this is becoming a music therapist.
Frequently Asked Questions
Below are answers to common questions about how to find fun jobs that pay well.
What is the most high-paying fun job?
The most high-paying fun job can vary based on your skills and interests. Some high-paying fun jobs include being a blogger, pilot, stunt person, and romance book author.
What are random jobs that pay well?
There are many unique jobs, such as a private island caretaker, yacht captain, or a voice-over artist.
Which is the most exciting and highest paying job in this world?
This will depend on who you ask! Maybe it’s being a pilot, a stunt person, an actor, or something else.
What are some fun jobs that pay six figures?
Some fun jobs that pay over $100,000 may include becoming a blogger, selling printables, photographer, architect, and more.
What are some low-stress fun jobs that pay well?
Jobs like a yoga instructor or a massage therapist can be low stress and fun, and they provide a good income, especially when experienced or working in more affluent areas.
What are some fun jobs that pay well without a degree?
You can pursue jobs such as a social media influencer, a real estate agent, or a personal trainer, which can pay well and be rewarding without requiring a traditional four-year degree.
Best Fun Jobs That Pay Well – Summary
I hope you enjoyed this article on the best fun jobs that pay well.
There are many fun careers that pay a part-time or full-time income.
Careers like voice acting, managing social media, and ethical hacking not only pay well but also let you have a good balance between work and life. The key is to know your talents and find the right fit in these exciting jobs.
I have been working a fun job for many years now, and I really really love it. It makes each day enjoyable and I actually look forward to work. I hope that you get to one day say the same as well.
What do you think are the best fun jobs that pay well?
When it comes to California, there’s no denying the diverse and vibrant energy that fills the state. From the bustling streets of Los Angeles to the laid-back vibes of San Diego, California offers something for everyone. With a population of nearly 40 million, the Golden State is a melting pot of cultures, cuisines, and lifestyles. Whether you’re drawn to the tech hubs or the iconic landmarks, California’s unique charm and endless opportunities make it an exciting place to call home. So, if you’re considering a move to California, this Redfin article will guide you through the biggest cities in the state.
1. Los Angeles, California
Population: 3,898,747 Median Sale Price: $959,000 Los Angeles, CA homes for sale Los Angeles, CA houses for rent
Living in Los Angeles means enjoying a diverse cultural scene, beautiful beaches, and vibrant nightlife. The city is known for its entertainment industry, with Hollywood being a major attraction. With diverse neighborhoods, such as Beverly Hills and Santa Monica, unique charm and attractions are all around.
2. San Diego, California
Population: 1,386,932 Median Sale Price: $875,000 San Diego, CA homes for sale San Diego, CA houses for rent
San Diego is known for its beautiful weather, stunning beaches, and laid-back lifestyle. Residents can enjoy outdoor activities such as surfing, hiking, and sailing. For another vibe, visit Balboa Park, with its museums and gardens, is a cultural hub, and the Gaslamp Quarter offers a lively nightlife and dining scene.
3. San Jose, California
Population: 1,013,240 Median Sale Price: $1,300,000 San Jose, CA homes for sale San Jose, CA houses for rent
Moving to San Jose in the heart of Silicon Valley promises an immersive experience within a thriving tech industry and a diverse community. The city offers a mix of urban and suburban living, with neighborhoods like Willow Glen and Santana Row offering unique shopping and dining experiences.
4. San Francisco, California
Population: 873,965 Median Sale Price: $1,177,500 San Francisco, CA homes for sale San Francisco, CA houses for rent
Living in San Francisco means enjoying a beautiful arts and culture scene and stunning bay views. The city has iconic landmarks, such as the Golden Gate Bridge and Alcatraz Island that attracts visitors annually. Explore the historic architecture, visit museums and art galleries, and enjoy the city’s renowned food scene.
5. Fresno, California
Population: 542,107 Median Sale Price: $360,000 Fresno, CA homes for sale Fresno, CA houses for rent
Fresno offers a more affordable living cost than other California cities, with a strong sense of community and a growing arts scene. With nearby national parks, such as Yosemite and Sequoia, outdoor recreation opportunities awaits.
6. Sacramento, California
Population: 524,943 Median Sale Price: $456,250 Sacramento, CA homes for sale Sacramento, CA houses for rent
With a mix of urban and suburban living, Sacramento boasts a rich history and a growing food scene. The city has many tree-lined streets and historic architecture, with neighborhoods like Midtown and Land Park. You can also enjoy the nearby riverfront and explore the city’s many parks and outdoor spaces.
7. Long Beach, California
Population: 466,742 Median Sale Price: $795,000 Long Beach, CA homes for sale Long Beach, CA houses for rent
From its iconic waterfront to its urban life, Long Beach includes a laid-back beach culture, eclectic neighborhoods, and a rich maritime heritage. The city has waterfront attractions, such as the Queen Mary and the Aquarium of the Pacific.
8. Oakland, California
Population: 440,646 Median Sale Price: $825,000 Oakland, CA homes for sale Oakland, CA houses for rent
Oakland stands as a city with spirit amid the iconic San Francisco skyline. This city offers a mix of historic and modern architecture, with neighborhoods like Rockridge and Temescal offering unique shopping and dining experiences. Its proximity to the Bay Area allows residents to enjoy many urban amenities, including cultural events and trendy cafes.
9. Bakersfield, California
Population: 403,455 Median Sale Price: $385,000 Bakersfield, CA homes for sale Bakersfield, CA houses for rent
Another affordable city in California is Bakersfield. Explore the nearby national parks, such as Sequoia and Kings Canyon, and enjoy the city’s diverse food scene. The city also hosts various events and festivals like Village Fest, which provides music, food, and drinks.
10. Anaheim, California
Population: 346,824 Median Sale Price: $869,000 Anaheim, CA homes for sale Anaheim, CA houses for rent
Anaheim is home to Disneyland, offering fun any time of year. The city also also hosts various events and festivals, such as the Anaheim Packing District and the Anaheim GardenWalk which locals love. Enjoy nearby beaches and explore the city’s diverse culinary offerings, there’s a lot to discover in Anaheim.
The largest credit union in the US has the widest disparity in mortgage approval rates between White and Black borrowers of any major lender, a trend that reached new heights last year, a CNN analysis found.
Navy Federal Credit Union, which lends to military servicemembers and veterans, approved more than 75% of the White borrowers who applied for a new conventional home purchase mortgage in 2022, according to the most recent data available from the Consumer Financial Protection Bureau. But less than 50% of Black borrowers who applied for the same type of loan were approved.
While many banks also approved White applicants at higher rates than Black borrowers, the nearly 29-percentage-point gap in Navy Federal’s approval rates was the widest of any of the 50 lenders that originated the most mortgage loans last year.
The disparity remains even among White and Black applicants who had similar incomes and debt-to-income ratios. Notably, Navy Federal approved a slightly higher percentage of applications from White borrowers making less than $62,000 a year than it did of Black borrowers making $140,000 or more.
A deeper statistical analysis performed by CNN found that Black applicants to Navy Federal were more than twice as likely to be denied as White applicants even when more than a dozen different variables – including income, debt-to-income ratio, property value, downpayment percentage, and neighborhood characteristics – were the same.
The Virginia-based Navy Federal, which was originally founded in 1933 to serve Navy employees, is now open to all members of the armed forces, Department of Defense personnel, veterans, and their relatives. It has about 13 million members and more than $165 billion in assets.
Bob Otondi, a Black business owner in Texas who was denied a mortgage by Navy Federal in 2021 – and then approved by another lender in about two weeks – said the rejection “didn’t make any sense at all.”
“I thought it could have been racial discrimination,” he told CNN, “but I could never prove it.”
In total, the credit union rejected about 3,700 Black applicants for home purchase mortgages last year, potentially blocking them from homeownership just as interest rates spiked. And Navy Federal also approved Latino borrowers at significantly lower rates than White borrowers.
In a statement, Navy Federal spokesperson Bill Pearson defended the credit union’s lending practices.
“Navy Federal Credit Union is committed to equal and equitable lending practices and strict adherence to all fair lending laws,” Pearson said. “Employee training, fair lending statistical testing, third-party evaluations, and compliance reviews are embedded in our lending practices to ensure fairness across the board.”
Pearson said that CNN’s analysis “does not accurately reflect our practices” because it did not account for “major criteria required by any financial institution to approve a mortgage loan.” Those factors included “credit score, available cash deposits and relationship history with lender,” he said.
But that information is not available in the public mortgage data. Navy Federal declined to release additional data about its loans to CNN that included borrowers’ credit scores or other variables. In addition, most of the Navy Federal applications that were denied are listed as being rejected for reasons other than “credit history.”
By some measures, Navy Federal has been successful at lending to minority borrowers: A fourth of its conventional mortgage applicants are Black, and about 18% of the conventional loans it originated went to Black borrowers – a larger portion than almost any other large lender.
But because of the large racial disparity in Navy Federal’s approval rates, even though more Black borrowers are applying for conventional mortgage loans from the credit union, most of them are getting denied.
Experts in mortgage lending and advocates for fair housing said that the racial gaps in Navy Federal’s approval rates were surprisingly large and raised questions about the institution’s lending practices. Lisa Rice, the president and CEO of the National Fair Housing Alliance, an advocacy group, said the racial gaps in Navy Federal’s lending identified by CNN were “some of the largest I’ve seen.”
“That is a quite stark disparity,” Rice said. “It’s unusual for us to see instances where the lender denies more loans than it approves.”
Experts said that Navy Federal’s racial disparities appeared to be an especially extreme example of a larger national problem. The credit union’s gap between White and Black approval rates has jumped significantly in recent years – and among all lenders, the racial approval rate gap has also grown.
More broadly, the gap in homeownership rates between White and Black Americans is larger today than it was before the Civil Rights era – and it’s a key driver of wealth disparities between White and Black families.
Navy Federal member says rejection left him feeling shocked and hurt
When Bob Otondi went house hunting in the summer of 2021, he immediately knew when he found his “dream house.” The three-bedroom home in a lakeside neighborhood of a Dallas suburb had an open kitchen, an expansive backyard with a pool, and – most importantly – it was in a great school district where Otondi’s son had long aspired to attend high school.
Otondi was thrilled when his bid for the home was approved, and expected that his mortgage application with Navy Federal would be smooth sailing. The relative of Navy servicemembers, Otondi had been a Navy Federal customer for years. The credit union had pre-approved him, he said he’d successfully paid off several previous Navy Federal vehicle loans, and he had budgeted a downpayment of more than 20% of the home’s value.
But then, just weeks before he was scheduled to close on the purchase, Otondi got bad news: Navy Federal was denying his application. The credit union told him in a form letter that it had concluded his income was not high enough to account for his debts.
Otondi said the last-minute denial didn’t make sense. According to documents he provided to CNN, he was making more than $100,000 a year from his logistics business and had a credit score above 700. He said he didn’t have significant debts.
In the heat of the pandemic-era housing market, Otondi feared he would lose the home. “I was stunned, I was shocked, I was hurt,” he said. He had been driving by the house with his son and daughter every week, and the kids had already planned out decorations for their rooms. “To go back home and tell them, ‘guys, we lost the house?’ I mean, devastating,” Otondi said.
But Otondi’s realtor, Angela Crescini, connected him with another mortgage lender who approved him for a loan in about two weeks – and the purchase went through.
“There was no real reason he shouldn’t have gotten the loan” from Navy Federal, Crescini said. “How can one lender get a loan done within 15 days and this other one couldn’t at all? It didn’t ring right to me.”
Pearson, the Navy Federal spokesperson, declined to comment on Otondi’s denial, saying that “our members’ personal and account information are private and confidential.”
As he sat in the airy living room of the three-bedroom home last month, Otondi said he was still frustrated by the mortgage denial. He said he submitted complaints to the Consumer Financial Protection Bureau – the federal agency that oversees consumer lending – as well as a Texas state agency, both of which went nowhere.
Hearing about the larger racial disparities in Navy Federal’s mortgage approvals made him think the credit union was “inhibiting veterans and their families from just uplifting themselves,” Otondi said.
CNN’s analysis doesn’t prove that Navy Federal discriminated against any borrowers. But it does show significant disparities in the credit union’s approval rates for borrowers of different races – and that it has larger racial gaps than many other large financial institutions.
The analysis was based on data collected under the Home Mortgage Disclosure Act, which requires most financial institutions to report anonymized information on mortgage applications to the government, including applicants’ race. CNN’s analysis focused specifically on conventional home purchase mortgages for homes intended to be used for a primary residence, and not intended to be used for a business or commercial purpose. CNN only analyzed loan applications that were ultimately approved or denied by lenders, not those that were withdrawn by borrowers before a decision was made.
In 2022, according to the data, Navy Federal approved 77.1% of White applicants, 55.8% of Latino applicants, and 48.5% of Black applicants. The 28.6-percentage-point gap between Black and White applicants was by far the largest gap among the 50 financial institutions that originated the most conventional home purchase loans last year, which includes Navy Federal.
In comparison, Wells Fargo had a roughly 19.5-percentage-point gap between its Black and White approval rates, US Bank had a 10-point gap, and Bank of America had a 3.5-point gap. The second-largest credit union in the country, State Employees’ Credit Union, had a 5.4-point gap.
Navy Federal’s racial disparities remain even when comparing only applicants with the same incomes or debt-to-income ratios. The credit union approved 59.3% of applications from Black applicants making $140,000 or more – those in the top quarter of applicants by income – and 59.8% of White applicants making less than $62,000 – those in the bottom quarter.
CNN’s analysis found that Navy Federal had statistically significant racial disparities in its mortgage approval rates while holding constant more than a dozen different variables including the applicant’s income and debt-to-income ratio, the loan amount, the property value, and the neighborhood’s socioeconomic makeup. Even among applicants who were identical among all those variables, the analysis found, Black applicants were more than twice as likely to be denied as White applicants, and Latino applicants were roughly 85% more likely to be denied than White applicants.
The analysis did not take applicants’ credit scores into account because the public data released under the Home Mortgage Disclosure Act does not include credit scores due to privacy concerns. That means that at least part of the racial disparity could possibly be explained by differences in credit scores between White and minority borrowers. Black borrowers in particular tend to have lower credit scores, in part due to the impact of historical discrimination and a continuing lack of access to traditional financial institutions in Black neighborhoods, according to researchers.
The data does, however, include information on the reasons that applicants were denied. Of the Navy Federal applications from Black applicants that were rejected, less than a fourth were listed as being denied because of “credit history.”
Notably, the racial disparities in Navy Federal’s approval rates have increased over time. In 2018, the difference between the White and Black approval rates was only 11.5 percentage points – far smaller than the 28.6-percentage-point gap in 2022.
José Loya, a UCLA professor who has studied racial gaps in mortgage approvals and reviewed CNN’s analysis, called the disparities in Navy Federal’s lending “alarming.”
“It does surprise me that they’re doing significantly worse than other big lenders,” because of Navy Federal’s status as a credit union, he said.
What may be widening the gap
The decision to approve or deny a mortgage application is largely made by automated underwriting systems, and advocates have been pushing lenders like Navy Federal to improve those systems to reduce racial disparities.
In recent years, some banks have changed their underwriting systems to take into account additional data that can reduce those racial disparities – such as including an applicant’s history of paying rent in a calculation of their creditworthiness. Pearson, the Navy Federal spokesperson, said rental history was “incorporated” into the credit union’s underwriting process, but did not provide additional details.
Some experts pointed out that Navy Federal’s member base of servicemembers, veterans, and their families may have a different financial picture than the general public that large banks serve, which could explain some of the racial disparities.
In addition, unlike large banks, Navy Federal isn’t subject to the Community Reinvestment Act, which encourages lenders to make loans in low and middle-income neighborhoods. While federal regulators review banks’ lending under the act, they don’t do so for credit unions and other non-bank lenders.
Some advocates and banking groups have been calling for years for revisions to the law to require credit unions to follow the same rules. “Our legislators have given a huge pass to credit unions, on the assumption that they’re serving and meeting the needs of their members,” said Rice, the fair housing advocate.
In other cases, racial disparities in mortgage lending have been linked to loan officers helping White borrowers more than Black ones, said Sara Pratt, a lawyer at the law firm Relman Colfax who previously led the U.S. Department of Housing and Urban Development’s civil rights enforcement efforts.
“A particular loan officer might make exceptions or just work harder for some peoples’ loans,” such as telling applicants to pay down credit cards or increase their downpayment if they’re on the edge of getting approved, Pratt said. “Loan officers might give this advice to a White borrower, and with a Black borrower, they’re less likely to do that.”
She noted that she had no evidence that Navy Federal employees were doing that but said the disparities in Navy Federal’s approval rates should “require a lender to offer justifications for how the disparity occurred.”
According to federal law, lenders don’t have to be intentionally engaging in racism to break fair lending rules. A “disparate impact” on minorities can also lead to discrimination claims.
“It’s bad business to discriminate because if people are genuinely qualified – as in many cases they are – then lenders are missing the opportunity to make loans,” said Pratt. “Lenders who look more carefully at these issues can see they’re losing business that somebody else is getting.”
Pearson said that the credit union was proud of the large portion of its loans that went to Black borrowers, and that more than half of its branches in the US are located in “minority communities.”
“As a not for profit, member centric, membership organization, we are focused on expanding awareness and access to home ownership across the country,” he said. “Navy Federal is a trusted financial partner for all its members and advises each member based on their unique financial needs.”
‘I thought we were going to lose the house’
CNN’s analysis found that Navy Federal had larger racial disparities in its approval rates for conventional mortgages than for VA home loans, which each account for about half of the loans it originated last year. VA loans, which are backed by the federal government, are designed to allow veterans to get mortgages that they might not qualify for in the conventional market.
But racial disparities still existed among Navy Federal’s VA loan business. Last year, Navy Federal approved 84.2% of its white home purchase VA loan applicants, compared with 73.8% of Latino applicants and 71.6% of Black applicants. Its Black-White approval rate gap was larger than all but one of the 50 lenders that originated the most VA home purchase loans. Like in Navy Federal’s conventional business, the racial differences were statistically significant even when accounting for factors like income, property value, debt-to-income ratio, and downpayment percentage.
Ted Spencer, 42, applied for a Navy Federal mortgage in 2019 as he purchased a home in Raleigh, North Carolina. Spencer, who is Black, had been banking with Navy Federal since he joined the Navy two decades earlier and had good experiences with the credit union, so it was an obvious choice for a loan. He was preapproved for a VA loan with no downpayment.
On his first weekend house hunting, Spencer toured a four-bedroom home in North Raleigh with a woodsy yard big enough for his dog and space for the kids he and his girlfriend would later adopt. “We walked through the house, and we were both like, yeah, this was the one,” he said. Their offer was accepted right away.
After Spencer submitted his paperwork to Navy Federal, he ended up waiting weeks. He said he repeatedly emailed, called, and messaged his loan officer without any response. Then, finally, he heard back that the mortgage was denied, with a letter from the credit union that he showed CNN citing his credit history and debts.
“It was pretty much the 11th hour,” Spencer said. “I really thought we were going to lose the house.”
But like Otondi, Spencer found another mortgage lender who quickly approved him for a new loan, at a lower interest rate than Navy Federal was going to charge him – and he and his girlfriend were able to close on the loan only a week late.
Spencer said he never thought the denial had anything to do with his race, and that the data CNN showed him about racial disparities in the credit union’s lending practices “blew my mind.” He said it made him think about family stories he’d heard about his grandfather’s experience dealing with redlining as he tried to buy a home after returning from the Korean War.
Some realtors who specialize in serving minority and veteran homebuyers said that Spencer and Otondi’s experience of being denied by Navy Federal and then easily approved by another lender wasn’t uncommon.
“If a client calls and says ‘I was disapproved by Navy Federal,’ the first thing we say is ‘let’s get you in with another lender,’” said Anthony Reanue, a California-based realtor. “In the military community, many people know that Navy Federal is not the best when it comes to mortgages.”
The credit union has previously faced scrutiny over racial disparities. An analysis by the nonprofit news outlet The Markup using 2019 data found that Navy Federal was among the large lenders with the biggest racial gaps in approval rates – and CNN found that the gap has only grown since then. Navy Federal said at the time that The Markup’s analysis did not accurately reflect its practices.
Navy Federal has also faced legal action over allegations of aggressive lending practices and other banking violations. In 2016, it paid about $28.5 million in redress and fines after the federal government found it had falsely threatened borrowers over debt collection and froze them out of their accounts.
Some of the Black borrowers denied by Navy Federal said they saw homeownership not just as a financial accomplishment but as a larger life goal. As an immigrant from Kenya, Otondi said that buying his house felt like living “the American dream right here.”
But after his rejection from Navy Federal, he said he couldn’t help but think about other Black borrowers who weren’t able to get another loan.
“What about the ones who are denied? What about the ones who now can’t get their own dream house?” Otondi asked. “It’s something that’s going to affect generations, all the way down to their kids.”
HOW WE REPORTED THIS STORY
CNN analyzed data on millions of mortgage applications to evaluate racial disparities in lending at Navy Federal Credit Union and other lenders. The data was released by the Consumer Financial Protection Bureau under the Home Mortgage Disclosure Act, and CNN used the snapshot data for 2022 and prior years.
Reporters analyzed conventional, first lien, one-to-four-unit, conforming, home purchase loan applications. The review only included mortgages for homes intended to be used for a primary residence, and not intended to be used for a business or commercial purpose. Applications that were not fully submitted and acted upon were excluded.
CNN’s statistical analysis evaluated the likelihood of applicants of each racial and ethnic group being denied when more than a dozen other variables were held constant. The other variables, all of which are included in the HMDA dataset, were: the applicant’s income, the applicant’s debt-to-income ratio, the loan amount, the loan term, the loan-to-value ratio, the property value, the presence of a co-applicant, the applicant and co-applicant’s sex, the credit scoring model used to generate the applicant’s credit score, the primary applicant’s age, the minority population percentage of the property’s census tract, the median age of housing units in the property’s census tract, and the difference between the median income of the metro area and the median income of the property’s census tract.
The analysis classified applicants as Latino if they reported Latino ethnicity, no matter their race. Mixed-race applicants and applications from co-applicants of different races or ethnicities were excluded from the racial categories. Alternate methods of defining race and ethnicity – such as looking only at the demographics of the primary applicant and not any co-applicants – did not substantially change the results.
A shift in demographics. Affordable apartments transformed into luxury condos. A coffee shop called something like “Brew Slut.”
The signs of gentrification take many forms. A newly opened art gallery can serve both as a communal space and a harbinger of the displacement to come. Remodeled homes might boost a street’s curb appeal but then drive up rents in the ensuing months and years.
There are plenty of ways to tell when gentrification is coming to a community; rising home prices and an influx of trendy shops are classic omens. But in the modern market, developers are flipping houses at the highest rate since 2000, and the houses they churn out are often homogeneous: boxy, black and white, minimalist. They’re adorned with trendy house number fonts and chic drought-tolerant gardens, and they can be an obvious sign of gentrification on the way.
Advertisement
Take a stroll through your neighborhood and keep an eye out for these trends. If you spot a few, gentrification may be on the way. If you spot a bunch, it might be well underway.
The gentrification font
If Neutraface starts speckling the homes and fences around your neighborhood, your rent might soar soon.
The sleek typeface and its many knock-offs have become so commonplace that they’ve become a meme, and the Guardian even declared it “the gentrification font.” It crowns countless brand-new builds across L.A., and like certain wines and cheeses, it pairs well with cheaply done fixer-uppers or the aforementioned box houses.
House numbers are presented in a chic font.
(Jack Flemming / Los Angeles Times)
“The Shake Shack font has invaded,” said Steven Sanders, a Highland Park resident who has lived in the rapidly changing neighborhood since 2015. When Sanders moved there, the median single-family home value was around $463,000, according to Zillow. Today, it’s $1.002 million.
There’s nothing specifically wrong with the font; it’s clean, modern and easy to read. Ironically, it’s named after Richard Neutra, an iconic architect who often stressed affordability in his work.
Advertisement
If a for-sale house has a Neutraface house number, the listing price will probably be anything but affordable.
Gentrification bonus point: if the font is also brass or gold.
Black-and-white paint jobs
This two-story home features a black-and-white exterior.
(Jack Flemming / Los Angeles Times)
Gentrification, in terms of housing, has become a monochromatic movement. Gone are the green-colored Craftsmans or the pink-hued bungalows of old; today, newly built homes are overwhelmingly white, black or a brutal combination of the two.
“Taste aside, a black house in an era of climate change is ridiculous,” said Adam Greenfield, a transportation and land-use advocate.
Gentrification bonus point: if a black-and-white exterior comes with an accent door — a splash of bright blue, yellow or turquoise to showcase that the property isn’t completely devoid of character. Just mostly devoid of character.
Excess security cameras
Multiple cameras are posted outside an Eagle Rock home.
(Jack Flemming / Los Angeles Times)
If you’re taking a stroll down your street and feel watched — not by anyone specific, but by a small army of Ring doorbells, Nest cameras and other electronic eyes making sure you don’t pick a Meyer lemon or your dog doesn’t defecate on the decomposed granite — brace for a new brand of neighbor.
Surveillance systems and the context behind them, in which owners view their neighbors and passersby as potential package-stealers, are all too common in gentrifying communities. For if it were truly a high-crime place, there would still be chain link and barred windows.
There’s plenty of evidence that smart doorbells lead to racial profiling, and while there’s nothing inherently wrong with security systems, they generally detract from the community feel instead of adding to it.
“It’s the degradation of the social fabric that for so long we all took for granted,” Greenfield said. “It’s legitimate to walk up to a neighbor’s door to ask for or offer something, and security cameras and warning systems discourage that. We can’t let fear win in our society.”
Gentrification bonus point: if they come with a speaker with a disembodied voice that barks at passersby in a condescending tone: “Hi! You are currently being recorded.”
Privacy fences
Sometimes, surveillance systems aren’t enough. Many modern homeowners moving into new neighborhoods don’t even want to be seen by neighbors, so they install privacy fences or towering hedges to shield themselves from anyone walking by.
Greenfield calls them “f— you fences.”
“Many people were raised in the suburban sprawl, where they don’t have as much access to other people. Then they move to denser areas and import those suburban norms of separation and privacy,” Greenfield said.
Lola Rodriguez, a Lincoln Heights resident who grew up in the area, said if a home in the neighborhood is ever hidden from view, it’s usually someone who just moved in.
Gentrification bonus point: if the privacy fence is chic and stylish, like the horizontal trend that has taken over in some areas.
Box houses
This modern five-bedroom home listed by Avo Atnalian in the hills of Highland Park is on the market for $2.498 million.
(Avo Atnalian)
One of the more uninspired architectural trends of the last century, modern box houses forgo attempts at character or ornamentation, instead serving as shrines to simplicity. They worship at the altar of minimalism, squeezing out as much square footage as zoning laws will allow.
They’re clean, they’re simple, and they’re a likely sign that a new demographic is moving into a neighborhood.
“It’s jarring seeing a bright white box house jammed between older houses with more character,” Rodriguez said. She prefers the neighborhood’s stock of century-old bungalows over the new homes being built.
The polarizing style isn’t for everyone, but it’s a hit for deep-pocketed buyers eyeing extra space. And box houses are quicker and cheaper to build for profit-minded developers, who will keep cranking out supply as long as there’s demand.
Gentrification bonus point: if the box house includes a glass garage door.
This modern home features a glass garage door.
(Jack Flemming / Los Angeles Times)
Drought-tolerant gardens
To be clear, the ecological benefits of drought-tolerant landscaping make it a net positive for Southern California. Limited water usage is absolutely a good thing.
But such gardens aren’t always cheap, and if they start popping up in neighborhoods where most residents can’t afford to spend thousands of dollars, sometimes tens of thousands, on their yard, it could be a sign of gentrification.
Most carry the same look: a handful of shrubs, succulents and cacti surrounded by gravel or decomposed granite, giving it a sandy, desert-like quality.
Drought-tolerant plants outside an Eagle Rock home.
(Jack Flemming / Los Angeles Times)
Kerry Kimble and Steven Galindo, two real estate agents with the Agency, said they’ve noticed an increase in drought-tolerant gardens in neighborhoods such as Echo Park, Highland Park and Silver Lake, where displacement has already been happening for years.
The majority of Kimble’s listings are in northeast L.A., and she said she’s noticed a surplus of succulents.
Galindo said some developers add drought-tolerant gardens to attract potential buyers.
“Developers remodel homes for the taste of the gentrifier,” he said.
The pair are currently listing a 106-year-old duplex in Angelino Heights, a neighborhood protected by a Historic Preservation Overlay Zone, which preserves a community’s architectural feel by limiting new building designs and renovations. But not every neighborhood enjoys such protection.
Firestick plants fill the gardens of many homes in gentrified neighborhoods.
(Jack Flemming / Los Angeles Times)
Gentrification bonus point: if the garden is riddled with Firestick plants — the trendy, orange-tipped succulents that seem to anchor every lawn in those “up-and-coming” neighborhoods.
Little Free Libraries
Listen, these are lovely. Unlike surveillance systems and privacy fences, little libraries actually evoke a sense of community, bringing neighbors together over a shared love of literature (even though most generally seem to be stocked exclusively with James Patterson novels and unreadable how-to books).
A Little Free Library is posted outside a home.
(Jack Flemming / Los Angeles Times)
The charming, birdhouse-like structures certainly don’t cause gentrification, despite what a handful of critics have claimed over the years. But they definitely seem to be a product of gentrification, usually popping up in areas where home prices are rising and well-to-do residents are moving in.
Gentrification bonus point: if a smart doorbell camera watches over the library, making sure nobody takes more than their fair share of books.
Pointed listing language
Sometimes, the clearest sign of gentrification is hearing how people are talking about a neighborhood and the homes within it. There’s a wealth of such examples posted daily on Zillow, Redfin and other listing sites as real estate agents take on certain tones to market properties to potential buyers.
For example, if a listing brags about the home being some kind of port in a storm, a refuge from the area around it, a ship of gentrifiers might be sailing in. One listing in Boyle Heights is touted as an “urban oasis.” Another in South L.A. promises to add “a touch of serenity to urban living.”
Also pay attention to whether a listing is marketed as an actual place to live or simply an investment opportunity. This listing near Leimert Park asks potential buyers to “come see your future investment today.” An Elysian Heights listing touts its use as an Airbnb.
Gentrification bonus point: if the language sounds like an extra flowery wellness ad, such as this listing in East L.A.: “Imagine stepping into a world where every corner whispers tales of renewal.”
Little-Known Mortgage Option For Family Members Who Couldn’t Qualify on Their Own
Thinking of purchasing a house for a disabled adult child or parent?
Are you unable to qualify for a mortgage due to a disability?
While this program no longer has a brandable name, it’s the perfect fit for specific borrowers.
Let’s set the stage with my scenario:
Currently renting, my prospective client wants nothing more than to be a homeowner. Disabled from a young age, the sense of independence that comes with homeownership has become rare air. The problem? Never enough income to qualify.
A couple of sentences in Conventional guidelines make a world a difference for prospective homebuyers with disabilities:
Fannie Mae will consider the residence to be a principal residence even though the borrower will not be occupying:
Notice how they use the term “adult child?” The disabled occupant can’t be a minor.
In that same vein, determining legal agreement competency must be addressed. When a party to the purchase contract is mentally disabled in a manner that disqualifies their competency in entering legal agreements, he/she is ineligible to sign purchase and mortgage documents.
Back to my scenario: This disabled adult has family that is glad to help out, but dropping a 25-30% down payment for an Investment Property gets far too expensive. Add Conventional pricing adjustments (LLPAs) to the closing costs and the well-intended family member’s idea gets even further out of reach.
This is the perfect example scenario for this program, so talk to a lender about adapting yours, and make sure that they have experience with this sort of transaction. There are particular nuances about the loan application that must be observed for smooth sailing and meeting purchase process deadlines.
Yes, this technically means that you can own two principal residences at one time. Thanks goes out to Ted Rood for originally documenting this program here: https://www.mortgagenewsdaily.com/guest/07102015-fannie-mae-program