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A little-known lakefront home, designed by modernist architect, Philip Johnson, is on the market for only the third time since it was completed in 1949.

The 3,812-square-foot house in Willsboro, NY, sits on 20 acres, with 850 feet of water frontage on Lake Champlain.

Glass walls frame the spectacular surroundings.

“The interesting part about this house—and the whole point of modernism—is really bringing the outside in,” explains listing agent Jo Anna Giltner, with Covered Bridge Realty. “When you’re in these rooms, you just feel the outside. It’s really a beautiful sensation of looking in every direction.”

The home was built the same year as Johnson’s iconic Glass House in New Canaan, CT, and is listed for $3.5 million.

Exterior

(Covered Bridge Realty)

Exterior

(Covered Bridge Realty)

Little-known home

Johnson is also known for other glass-centric homes, several commercial towers, and the sculpture garden at the Museum of Modern Art in New York City.

As for the lake house, the esteemed architected designed it with his partner, Landis Gores, for the Paine family. The couple divorced before the house was finished in 1949, so they sold it to a family who kept it until 2006, when the current owners bought it. The original sale was private, so there was not much publicity about the home at the time.

“So it’s been the two families, and neither of them have done anything to alter the structure,” Giltner says. “The house is in very good shape and has been well maintained. The thing that really matters is the structure—the actual way that the walls were designed; no one has changed them. No one has altered the windows.”

Interior

(Covered Bridge Realty)

Kitchen

(Covered Bridge Realty)

Aerial view

(Covered Bridge Realty)

Modern marvel

Giltner explains that the home’s design was ahead of its time.

“The house has huge steel beams running through it to support these big open spaces, which was very novel back in the day,” she says.

A simple fireplace appears to be floating between two glass walls and near the updated kitchen.

Yard and patio

(Covered Bridge Realty)

There are two primary structures—a main house and a guest wing that the owners called the summer wing. A covered walkway connects the two.

“The family that commissioned this house was a young couple, and they expected to have family and friends visiting mostly during the summer months,” Giltner explains.

Two bedrooms and two bathrooms are in the main house, with six more bedrooms and four more bathrooms in the summer wing.

“They’re like little guest rooms, designed to give privacy and separation from the main house,” she says.

Both structures were built at the same time.

The next owner could take a gander at Johnson’s original plans for the property, available for viewing at the Avery Architectural Archives at Columbia University.

A third structure—a game and storage area—was added in 2006 and looks similar to the other parts of the house.

View

(Covered Bridge Realty)

Bedroom

(Covered Bridge Realty)

Both the setting and structure create a harmonious effect.

“The first thing when you walk in, you’re just blown away with the view,” Giltner says. “This view just stops you. It’s really stunning. Just the fact that [Johnson] actually designed this structure makes it very important, as well as [it] sitting on a very beautiful piece of waterfront.”

Source: realtor.com

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As you begin to approach older age, a big house may not have the same appeal as it once did.

In homes with multiple levels, for example, getting around may become increasingly difficult or there just might not be the need for many rooms.

Similarly, once you retire, you may wish to shift your focus to different priorities in life; while a big home may have been ideal while raising children, something a little smaller could afford you the ability to travel and spend your hard-earned money on something other than a mortgage payment.

It’s no wonder then that downsizing can offer many possibilities to those searching for something different. The choice isn’t an easy one, however, and there are many factors to take into account any questions you need to ask before committing to a move like this.

Photo by Craig McLachlan on Unsplash

When Should You Downsize?

There’s no right or wrong time to downsize but you’ll find that most often it happens before the age of 65 or around the age of retirement.

Apart from the physical work that downsizing takes, it can also be a rather stressful and emotional time for homeowners, especially if they’re leaving the home they raised children in and established so many memories.

Because of this, it’s best to commit to the process while you are still capable and the toll won’t take too much out of you; if you’re already unable to move around your home as freely as you once did, you’re at a disadvantage.

Even those in fine health may see the benefit of downsizing, however. If you don’t have the need for such a large space or simply want to save money, downsizing might be more economical or practical. This guide goes into a bit more detail about the economic benefits of downsizing.

Take Your Time

Another reason downsizing before the age of 65 is ideal for many is because it gives you the ability to take your time.

Instead of feeling like you’re being backed into a move you aren’t ready to make, starting the process early can help ease the transition.

This starts with finding out your home’s worth and calculating the profit you can expect to make from a sale. Taking your time allows you to evaluate the market and, with the help of an estate agent, sell for a good price.

Relocating

Photo by Wilfried Santer on Unsplash

The same way a real estate agent can help you sell your home, they can also help you relocate and find a new one that meets your every need.

In some cases, this may just be a smaller house or apartment in the same area you live in now but for some, they’ll find the opportunity to research and visit retirement developments that cater to retired residents. In any case, it’s important to consider why you’re downsizing in the first place; there are many possibilities for those looking for something smaller and more affordable with fewer stairs to climb.

Paring Down

Another bonus of starting the process of downsizing early is that you’re afforded the extra time to go through your belongings and pare them down properly. It’s the perfect opportunity to evaluate your assets and to purge belongings that won’t be essential in your new place.

For example, start your packing and paring down in rooms that you know you won’t likely have once you move. Get rid of duplicates and things you won’t need by determining whether you can sell or store them.

In many cases, things you no longer need can be passed down to children or relatives. Similarly, making a note of the things you absolutely can’t do without will help you determine just what kind of square footage you’ll need in a new home.

Whether you’re downsizing for practical or economic reasons, there are many advantages to starting the process early and going through the proper channels to ensure a transition that is as smooth as possible.

While only time and support from friends and family can help ease the stress and emotions that come with saying goodbye to a home you’ve lived in an loved for decades, a real estate agent can help with everything else. With their help, you’ll be able to find something new that suits your budget and every need, where you’ll be sure to make even more great memories for years to come.

More resources:

Why There’s Never Been A Bigger Need for Senior Housing Options
Why Hire a Professional Interior Designer? Here are 6 Top ReasonsHow Much Do Modern Prefab Homes Cost?
Here’s Why You Shouldn’t Buy a House in a Neighborhood with an HOA

Source: fancypantshomes.com

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Attracting bright minds from all corners of the globe Massachusetts boasts some of the best college towns in the country.

Join us as we explore some of the best college towns in Massachusetts, from the classic charm of Cambridge and Amherst to the hustle and bustle of Boston and Worcester, these towns are top of the class. Whether you’re a prospective student, a parent or just someone interested in the unique atmosphere of college towns, this guide will give you a taste of what makes these Massachusetts gems so special.

Let’s kick off our journey with the quintessential college town, Cambridge. Home to Harvard University and the Massachusetts Institute of Technology (MIT), this charming city has a long history of academic excellence. Nestled just across the Charles River from Boston, Cambridge offers a mix of historical architecture, cutting-edge innovation and a vibrant intellectual culture that’s hard to beat.

Harvard Square is the heart of Cambridge, a lively hub where students, tourists and locals alike gather when the sun is shining in Massachusetts. The square is filled with coffee shops, bookstores and eclectic boutiques, perfect for an afternoon of shopping or people-watching.

When hunger strikes, enjoy a meal at one of the many restaurants, ranging from American classics to international cuisine. And with so many events and festivals throughout the year, there’s always something happening in this bustling college town.

Next up on our tour of the best college towns in Massachusetts is Amherst. Home to the University of Massachusetts Amherst, Amherst College and Hampshire College, this picturesque town is a haven for academics and nature lovers alike. Surrounded by the beautiful Pioneer Valley, Amherst offers outdoor enthusiasts plenty of opportunities for hiking, biking and exploring the majesty of the great outdoors.

In the heart of Amherst, you’ll find a charming downtown area, complete with locally-owned shops, art galleries and an impressive selection of restaurants. The Amherst Cinema, an independent theater, showcases a mix of popular films and arthouse flicks, making it a favorite spot for film buffs. And with several nearby farms and orchards, it’s easy to see why Amherst is a favorite among foodies.

Our next stop brings us to the bustling metropolis of Boston. While not a traditional college town, Boston is home to more than 50 colleges and universities, including Boston University, Northeastern University and Suffolk University. With so many stellar schools within its city limits, Boston offers a unique blend of history, culture and academia.

The city’s rich history is on display at every turn, from the Freedom Trail to the historic Beacon Hill neighborhood. Alongside its storied past, Boston boasts a vibrant arts scene, a plethora of museums and some of the best shopping in the region. And with a robust public transportation system, getting around the city is a breeze, making it easy to explore all that Boston has to offer.

Just a few miles north of Boston, you’ll find the charming city of Medford. Home to Tufts University, Medford is a quaint, picturesque community that perfectly balances the convenience of city living with the charm of a small town. The Mystic River runs through the heart of the city, providing a peaceful backdrop for leisurely strolls, bike rides and riverside study sessions.

Medford’s historic downtown area is filled with unique shops and eateries, as well as the Medford Public Library, an architectural gem that dates back to the 19th century. And with a variety of festivals and events throughout the year, including the annual Arts Across Medford event, there’s always something of interest in this vibrant college town.

Another great option for those seeking out the best college towns in Massachusetts is Chestnut Hill, a quaint suburb just west of Boston. Home to Boston College, Chestnut Hill offers a serene setting that’s perfect for students looking to balance their academic pursuits with a taste of nature.

Chestnut Hill Reservoir, a popular spot for jogging, walking or simply soaking in the views, is a must-visit for anyone exploring the area. The picturesque campus of Boston College is also worth a stroll, showcasing beautiful Gothic architecture and sprawling green spaces. For shopping enthusiasts, The Street at Chestnut Hill offers a mix of high-end retailers and unique boutiques, while foodies will appreciate the variety of dining options, from cozy cafés to upscale eateries all within walking distance of campus.

Our journey through the best college towns in Massachusetts wouldn’t be complete without a visit to Worcester, the state’s second-largest city. Home to a whopping nine colleges and universities, including Clark University, Worcester Polytechnic Institute and College of the Holy Cross, Worcester is a diverse, bustling city with plenty to offer.

For those who love the arts, the Worcester Art Museum and the Hanover Theatre for the Performing Arts are must-sees, while sports enthusiasts will appreciate the city’s minor league baseball and hockey teams. The city’s food scene is diverse and constantly evolving, offering a wide range of dining options, from casual eateries to fine dining establishments.

While our list of the best college towns in Massachusetts has focused on some of the most well-known cities, there are plenty of other hidden gems worth exploring. One such town is Northampton, home to Smith College. This vibrant, artsy town is known for its lively music scene, quirky boutiques and a wide array of restaurants and bars. With its scenic surroundings and friendly atmosphere, Northampton is one of those places that students just tend to stick around after receiving their caps and gowns.

Similarly, Williamstown, home to Williams College, is another small town with big charm. Nestled in the scenic Berkshires, Williamstown offers a blend of natural beauty and rich cultural experiences, thanks to the renowned Clark Art Institute and the Williamstown Theatre Festival.

Make one of these Massachusetts college towns your home

Massachusetts is truly a treasure trove of college towns, each with its own unique appeal. From the bustling streets of Cambridge and Boston to the serene beauty of Amherst and Chestnut Hill, these cities offer a diverse range of experiences for students and visitors alike. Whether you’re in search of the quintessential college experience or a thriving city with a rich academic scene, the Bay State has it all and then some.

Source: rent.com

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Learn About Tableau

Whether you’re after the warm sunshine, the dry climate or the delicious food, Tucson, Arizona, has something to offer tourists and residents alike. This Southwestern city is home to the University of Arizona, but it’s so much more than a college town – it’s a cultural haven for art lovers, a destination for outdoor thrill seekers and a scenic wonderland for anyone who loves blue skies and the prickly spires of a Saguaro cactus.

With a population of nearly a million, Tucson is the second most populous city in Arizona. There are plenty of reasons to look for an apartment here, but which neighborhood will be right for you? Apartment Guide ranks the most-searched neighborhoods on the site within Tucson from Jan. 1 through June 20, 2014. Which of these is your favorite place to enjoy a margarita and soak up the sun?

Right in the heart of Tucson, the Downtown area is the city’s most-searched neighborhood on Apartment Guide – and it’s not hard to see why. With colorful buildings, blue skies, scenic mountains in the distance and giant cacti dotting the landscape, Downtown Tucson is where Southwestern culture meets modern amenities.

Downtown Tucson is a perfect neighborhood for the culture vulture – music, museums, restaurants and shops are everywhere you look. The area is an amazing mix of old and new; modern attractions sit alongside remnants of Tucson’s history. Get a taste of what life in Tucson was like prior to the 20th century at the Presidio San Agustin del Tucson, a former Spanish fort that’s now a hands-on interpretive center. Take a walk down Congress and you can’t miss the historic Hotel Congress, where infamous bank robber John Dillinger was arrested.

History buffs can get a break from the sun at the Southern Pacific Railroad Station, built in 1907, while families can enjoy the Carnegie Library, which is now the home of the Tucson Children’s Museum. And if you don’t feel like walking, hitch a ride on the new streetcar! The four-mile route is a green way to get around the Downtown neighborhood.

Just to the north of Downtown is Central Tucson, one of the oldest and largest neighborhoods in the city. Encompassing the Broadway Village shopping center and the University of Arizona, Central Tucson is known for being especially bike-friendly. If you enjoy getting around on two wheels, the tremendously popular Third Street/University Bicycle Boulevard provides a safe way for cyclists of all ages to get to Tucson’s best restaurants, shops, and other attractions. It’s bike-only except for light local traffic.

You’ll also find plenty of museums and art galleries in the neighborhood, which is why it’s home to the Central Tucson Gallery Association. During the summer, on the first Saturday of each month, the galleries stay open late so people can stop in for some culture and refreshments.

Northwest Tucson is an ideal spot for families and anyone who enjoys a good mix of outdoor and indoor activities. It encompasses Mansfield Park, which includes plenty of water to cool off in during a hot summer day. This three-pool complex has a diving bay with 1- and 3-meter boards; a wading pool; a 25-meter lap pool and even a water slide.

Located just north of Tucson, Catalina Foothills is one of the most affluent areas in Arizona. Popular for tourists and residents alike, it’s near several popular outdoor recreation areas: Sabino Canyon, Bear Canyon, Pima Canyon, and Ventana Canyon. The neighborhood is also known for its resorts, as well as the DeGrazia Gallery in the Sun, which is on the National Register of Historic Places.

Choose from dozens of well-reviewed restaurants, ranging in cuisine from Mexican to Japanese and nearly everything in between. When it’s time for a stroll through town, stop at any of the upscale shops or galleries that dot the streets. Catalina Foothills is the perfect place for a renter who enjoys the finer things in life.

Eastside is a small neighborhood of Tucson that includes Case Park. Bordered by E Broadway Boulevard to the north, E 22nd Street to the south, S Houghton Road to the east and S Harrison Road to the west, Eastside is an ideal place for lovers of the outdoors. Case Park includes hiking trails, large grass fields, picnic tables, a playground, and even a butterfly/hummingbird garden.

Eastside is also known for its giving spirit. The Eastside Neighbors Volunteer Program is a popular local nonprofit to help senior citizens in the area.

Go Wildcats! Home to about 40,000 students, the University of Arizona is best known for its College of Medicine, College of Law and its top-ranked geology program, according to U.S. News & World Report. UA’s degree programs in pharmacy, analytical chemistry, photography, and philosophy are also very popular.

The neighborhood surrounding the University of Arizona is full of apartments for college students who don’t want the dorm life. E University Boulevard is one of the busiest streets in town, full of hotspots for students to meet up and have fun. When it’s time for some quieter entertainment, there are plenty of museums and galleries in the neighborhood to visit.

With a median age of 18, the University of Arizona Campus neighborhood is perfect for students who want easy access to the university and local amenities.

Just across the Rillito River from the Catalina Foothills is Winter Haven, an apt name for a place where so many people come to enjoy mild temperatures while the rest of the country is snowy and cold. But that doesn’t mean the holiday spirit isn’t present – just the opposite! Winter Haven is famous for its annual Festival of Lights during the holiday season, which always benefits a local food bank. People can drive through the neighborhood to take in the lights, or take a hayride or trolley ride instead.

Another hotspot for cyclists, Starr Pass is known for its road and mountain bike paths. Located just east of the Tucson Mountain Park, which adjoins Saguaro National Park, Starr Pass is home to several golf courses, the popular JW Marriott Resort & Spa, as well as stunning views of the Southwestern landscape.

Plenty of tourists come to Starr Pass to saddle up their two-wheeled steeds and bike among the cacti, and when they return after a long day on the trails – perhaps after visiting the Arizona-Sonora Desert Museum or the International Wildlife Museum — they can relax at any number of bars and restaurants in the neighborhood.

Right near the center of town is the Broadway/Pantano East neighborhood, a residential area that touches the banks of the Pantano Wash. The neighborhood gets its name from its boundaries – E Broadway Boulevard is to the north and S Pantano Road is to the west.

Jesse Owens Park is a great place for a game of catch or to let the kids run around before they return to school at Harold Steele Elementary. You can also stock up on delicious local produce at the Jesse Owens Park Farmer’s Market, where neighbors meet every Friday to catch up and peruse the vendors’ booths.

Although it’s technically its own city, South Tucson is surrounded by the city of Tucson. It’s just one square mile but packed into that square mile are many Mexican restaurants, colorful buildings, and outdoor murals. Its population is mostly made up of Mexican-Americans and Native Americans.

Santa Rosa Park and Santa Rita Park are both great places to soak up some afternoon sun. The Children’s Museum of Tucson is near the northern border of the neighborhood. Hwy 10 – one of Tucson’s main arteries – is just to the west, making it easy to get just about anywhere else in the city.

That’s our take on Tucson! What’s your favorite thing about this vibrant Southwestern city?

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Marking the 50th anniversary of her groundbreaking book, Fear of Flying, novelist Erica Jong has plenty of things to celebrate.

With a lucrative five-decade career in the span of which she published 25 books, a loving, close-knit family that visits often, and an unforgettable novel that secured her a mention in history books, Erica Jong is now actively documenting her well-lived life in a biography that we can’t wait to get our hands on.

Until that one hits the shelves, we’ll peer into another aspect of the celebrated novelist’s life: her longtime New York City apartment, which recently hit the market for $4,250,000 (Maria Daou of Coldwell Banker Warburg holds the listing).

Photo Credit: Coldwell Banker Warburg

Set on the 27th floor of the highly coveted Imperial House — a white-glove co-op in the heart of the Upper East Side designed by Emory Roth & Sons — the generously sized 3,000-square-foot apartment comes with panoramic views of the city skyline to the west, north, and south.

Unsurprisingly, the novelist’s home is filled with books, with the living room and library both boasting floor-to-ceiling bookshelves that house Jong’s impressive book collection.

Photo Credit: Coldwell Banker Warburg
Photo Credit: Coldwell Banker Warburg

The 3,000-square-foot apartment, which we also got a chance to see last year when Jong invited The New York Times inside for an intimate feature into the author’s home life, has 3 bedrooms and 3.5 baths.

According to our sources, Erica and her husband, Kenneth David Burrows, have been calling the apartment home since 1990, when they bought it for $1.494 million.

SEE ALSO: Stephen King’s House is the Beating Heart of Bangor, Maine

The Imperial House unit comes with a functional kitchen equipped with stainless countertops and appliances, ample storage, an extra pantry, a walk-in closet, and a small office nook. 

Photo Credit: Coldwell Banker Warburg
Photo Credit: Coldwell Banker Warburg

But what caught our eye is the enclosed solarium, rightfully touted as a “serene space where you can relax and soak in the sweeping vistas of Central Park and the vibrant city skyline,” per the listing.

SEE ALSO: Mark Twain’s houses: From his Connecticut mansions to the NY brownstone known as ‘The House of Death’

Photo Credit: Coldwell Banker Warburg

The primary bedroom, with its generous size and southern exposure, includes an en-suite bath and provides excellent closet space. The second bedroom is equally spacious, accommodating a king-size bed, a walk-in closet, and an adjacent bathroom.

Photo Credit: Coldwell Banker Warburg

But the list of perks extends beyond the doors of the celebrated author’s apartment.

The Imperial House co-op offers its residents quite a few fantastic amenities and services, including concierge service, full-time doorman and elevator operators, a state-of-the-art fitness center, a yoga studio, a game room, and tailor/dressmaker services on-site.

More stories you might like

‘The Martian’ author Andy Weir lists ‘Home Alone’ lookalike houseWhy Stephen King’s House is the Beating Heart of Bangor, Maine
Mark Twain’s houses: From his Connecticut mansions to the NY brownstone known as ‘The House of Death’
‘Rich Dad, Poor Dad’ author Robert Kiyosaki selling oceanfront home in Hawaii for $7.35M

Source: fancypantshomes.com

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My mother was quadriplegic by the time I was in high school. My dad was a real estate agent who worked on commission, so he worked long hours to make ends meet. As a result, I took on a lot of responsibility at a young age.

I cooked and cleaned and did all the grocery shopping. I did the laundry and paid the bills (in the “balancing the checkbook and writing the checks” sense, not the earning money sense). I took my mother to the bathroom, fed her, and tracked her pill regimen. And most importantly, I believed that a college education was a good value.

I knew my parents couldn’t afford to send me to college, and I wasn’t allowed to have a job because of my responsibilities at home. So in lieu of saving for college, I threw myself into everything school had to offer.

I was salutatorian. I was on the dance team and the academic team. I was secretary of the service club and president of the math club. And it worked: not only did I get out, I graduated from college with a 4.0. Then I went on to get an MA and a PhD. Unfortunately, I got $100K in debt to go along with it.

I mention this only because it begs the question: what leads a (relatively) smart person to make almost ten years’ worth of poor financial decisions? As immoral as universities may be, there’s more to any individual’s decisions than external influence.

Undergrad: An Auspicious Beginning?

When she was young and healthy, my mother had a full ride to Boston University. She dropped out because she wasn’t doing well in her pre-med classes; what she really enjoyed was writing. I remember asking her, “Why didn’t you just change your major?” She said it never occurred to her.

She eventually did get an Associate’s degree from the local community college. However, she always regretted not completing a Bachelor’s degree. Her experience led her to believe that the best degree was the one that you finished. She also believed that if you picked something you enjoyed, you were more likely to do well and be happy.

When I started thinking about college, my dad said “smart people major in business.” He suggested, “not that I’m telling you to follow in my footsteps, but female real estate agents make a lot of money.” My mom would nod sagely at his advice. Then after he left the room, she would stage-whisper, “do whatever makes you happy!”

I attended a state school, since the Florida Bright Futures lottery scholarship paid for 100% of my tuition and a book allowance. I was a National Merit Finalist. I received Pell grants and a variety of other scholarships. Since my education was paid for regardless of major, I followed my mom’s advice and did what made me happy. I was a creative writing major and a psychology minor. I worked as a server and a tutor at the writing center. As a result, I graduated with no debt.

Grad School: The Downward Spiral Begins

I was intimidated by the thought of graduating and getting a “real job.” Instead, I decided to keep doing what I had always been successful at: school. I started an MA in creative writing. I also worked on campus 35 hours a week, teaching and tutoring. However, graduate tuition was expensive. Luckily, Stafford was there to fill the hole. I knew it was a loan, but I’d never borrowed any money before. I didn’t have a concept of what borrowing really meant in terms of paying it back.

During this time I loved my job so much that I decided I wanted to run a writing center. My boss had a PhD in rhetoric and composition. I researched programs, applied to three, and accepted an offer from a top five program. It entailed moving across the country, which I couldn’t afford; I wouldn’t get financial aid until fall. Enter credit card debt.

The cost of living in my new city was also much higher. Again, Stafford and Visa filled the hole (though there were still a couple of weeks between moving and financial aid kicking in where I didn’t wash my hair because I couldn’t afford shampoo).

Yes, I was taking out more loans. But I was only making $14,000 a year and my paychecks were $750 apiece. The average starting salary of $50,000 was three and a half times what I was making. That could only mean my paychecks would be three and a half times bigger. Right?

Somehow the fact that this $14,000 was spread over nine months instead of twelve didn’t seem significant. Taxes and payroll deductions for things like health insurance weren’t even on my radar. I also don’t recall a single time when I saw a total of how much I’d borrowed until my degree was almost complete.

Graduation Approaches: I’m in Over My Head

Even when I saw my total of about $100,000, it was poor math all the way. I thought, Okay, I was in grad school for eight years. That means I borrowed an average of $12,500 per year. I was also making $14,000 per year during that time, so my average income was $26,500 per year. But soon I’ll be making $50,000. That’s twice as much! This is no problem.

My program also claimed it had a 100% tenure-track job placement rate. It didn’t occur to me that this couldn’t be possible until after I was advanced to candidacy and took a job search class. Then, this statistic was amended to “100% of students who wanted to be on the tenure track ended up with tenure-track jobs.” Who doesn’t want tenure?! I thought. This won’t be me. This is no problem.

I did know, of course, that getting a PhD in the humanities wasn’t going to make me rich (although the professors in my program all had 3000+ square foot homes in the nicest area of town). But it was more important to be happy than to be rich. Besides, I grew up poor. I was familiar with it. It didn’t sound scary.

Then I went on the job market. My hottest lead turned out to be in Punxsutawney, Pennsylvania, and I had a few realizations. I didn’t want to live 200 miles from the nearest urban center. Not only that, I couldn’t even if I wanted to: Jake and I had been dating for over a year. Our relationship was getting serious enough that he needed to be a factor in my plans.

By this time he’d graduated from law school and had a job making $90,000 per year. He was traumatized from the bar exam. The thought of taking another one only a year later gave him cold sweats. Even if he was willing to do it, he couldn’t afford to make much less. A salary of $90,000 a year would be impossible to come by in a tiny rural town. Now my job search was what they called Geographically Restricted. That’s academic speak for “it’s your own fault if you don’t end up on the tenure track.”

Suddenly, Unexpectedly

So I moved to Jake’s city and geared up for another year on the job market. I got a full-time administrative position in summer 2008, right before the economy tanked. The week after they hired me, my institution implemented a hiring freeze. Six months later, they instituted furlough.

I combed the national job lists in my field, but I was Geographically Restricted. Even if I wasn’t, it was one of the worst job markets in memory (and memory didn’t have a lot of good years anyway). And then, there was the unexpected — though, given that I think I’m psychologically predisposed to happiness, maybe I should have expected it.

It turns out I LOVE my job. I love the work I do and the people I work with. I love the city I live in (even if it’s 109 degrees outside right now). I have family in the area. Jake grew up here. At this point, he has over five years of business connections here, and I have four.

At some point, the the life I was living “for now” had become The Life I Want to Live. I have a ten minute commute. I leave work at 5 p.m. every day and don’t need to think about it until the next morning. I don’t check email during my off hours. I don’t work in the evenings. I have pets, I am a hobby chef, I read novels. I think I would have enjoyed the tenure track, but I don’t need it to be happy.

I just need to get our financial situation under control so I can keep living this life.

What About You?

This is my story. This is only my story. I cannot speak for others with student loan debt. But I know many, many people with high student loan debt (including lots of folks with totals higher than mine). So I know you’re out there, fellow student loan debtors!

Let’s build on last week’s discussion (go check out the comments there as well!). What’s your situation? How is it different than mine? How is it similar? I am especially interested in:

  • Your total student loan debt
  • What degree(s) you have
  • When you went to school
  • Whether anyone talked to you about student debt or the job prospects in your field
  • Whether the information you received about student loan debt or the job prospects in your field was accurate
  • What you wish you had done differently/advice for others
  • How you’re dealing with your debt

There are obviously many decisions I could have made differently. It’s undeniable. But since I can’t go back in time and make different decisions, I’m declaring a statute of limitations on regret. Plus, I’m taking responsibility for my errors in judgment and paying the loans back. I have to, since you can’t discharge student debt in bankruptcy.

However, as Robert Brokamp pointed out, there are systemic problems with student debt in this country (check out this paper for some facts on six-figure student loan debt). Those of you who have been through the system, how would you change it?

Source: getrichslowly.org

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How much is your home worth?

A good home appraisal is one of the most important components of getting approved for a mortgage.

This appraisal ultimately decides just how much a bank is willing to lend to you, and a bad appraisal can kill your plans for a new home faster than a bad credit score.

A home appraisal is the best way for a lender to see if they wont lose their seat on the deal.

The lender wants to make sure that they have an asset that they can sell to get their money back in case of default. The home appraisal is also a way for you to see if the home you are wanting is overpriced or not.

Lets say that John Doe wants to secure a mortgage on a home that cost $180,000. His credit score is very good, yet the home only appraises for $150,000.

Will John get his loan? You better believe he won’t. The sale price will have to be lowered for the lender to consider to loan John the money. This is also a warning for John, that the home that he is trying to secure may be overpriced.

So what does an appraiser look for?

An appraisal usually starts with an inspection of the inside and outside of your home, as well as sale and ask prices for comparable homes in the area.The appraiser will create a report for the lender that includes:

  • An explanation of how the appraiser determined the value of the property
  • The size and condition of the house and other permanent fixtures, along with a description of any improvements that have been made and the materials used
  • Statements regarding serious structural problems, such as wet basements and cracked foundations
  • Notes about the surrounding area, such as new or established development, rural acreage, and so on
  • Evaluation of recent market trends of the area that may affect the value
  • Comparative market analysis that supports the appraisal: maps, photographs and sketches

An important thing to note is that, an appraiser is not a home inspector. An appraiser will make note of obvious issues but dose not inspect the home to see if it is up to code. For this you will actually need to hire someone to do a home inspection to avoid any costly nightmares in the future if something is wrong with the house.

How much is this going to cost me?

Appraisals typically cost in the range of $300- $400. This price can change though depending on the location of the property, square footage of the home, or property type. The appraisers fees are usually included in the closing costs of the home, unless a deal on the property is not made.

Is it time to throw in the towel if the appraisal is too low?

First you need to see why the appraisal was low. It could be something that the homeowner could correct, or the home could be overpriced. If it is overpriced see if the homeowner would come down on their price. You can also request another appraisal on the home, keep in mind that you are the one paying for these appraisals.

As a seller what can you do to make up for a bad appraisal?

The first thing you need to do is see why it was appraised lower, it could be because of maintenance or repairs. If this is the case you can get another appraisal after they have been fixed.

Another way to increase the appraisal price is cosmetics, especially in an older home. New paint, appliances, carpet and replacement windows are all ways to add to the value of your home.

Source: goodfinancialcents.com

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Myrtle Beach is one of the most popular vacation destinations on the East Coast of the United States, and for good reason. With its stunning beaches, family-friendly attractions, and fantastic dining and shopping options, it’s no surprise that millions of visitors flock to this South Carolina city each year.

When it comes to choosing the perfect place to stay, there are plenty of options to suit every traveler’s style and budget. Whether you’re looking for a luxurious resort experience, a cozy beachfront condo or a budget-friendly hotel room, Myrtle Beach has it all.

Here are some of the best hotels in the bustling Southern beach town.

Marina Inn at Grande Dunes

Myrtle Beach, South Carolina, USA

THE MARINA INN AT GRANDE DUNES/FACEBOOK

Best for: Travelers looking for an all-around well-balanced experience.

Why stay here: The Marina Inn at Grande Dunes is centrally located between North and South Myrtle Beach, and the property’s award-winning WaterScapes Restaurant is worth the stay alone.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

Situated by the serene waters of the marina, the Marina Inn at Grande Dunes boasts a luxurious experience for every guest.

With warm and inviting rooms adorned with high-thread-count linens, en suite bathrooms and private terraces overlooking the marina or water, relaxation is inevitable. Studios and suites come equipped with kitchenettes or full kitchens, perfect for guests seeking an extended stay.

As the sun sets, guests can indulge in the evening turndown service, setting the stage for a peaceful night’s sleep. In addition, the hotel offers an impressive golf course, indoor and outdoor pools, and a 24-hour fitness center.

Beach lovers can bask in the sun on the hotel’s private stretch of sand. On-site activities like water sports, nature trails and tennis courts ensure guests will never have a dull moment. The hotel’s spa offers a range of treatments for those seeking some R&R, although at an additional charge.

When it’s time to eat, sample local seafood, burgers and salads at the hotel’s signature restaurant WaterScapes, or enjoy a cocktail and light bites waterside at Anchor Cafe or Reflections.

Rates for the Marina Inn at Grande Dunes start at $126 or 15,200 Stash Hotel Rewards points a night.

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Ocean Reef Resort

Myrtle Beach, South Carolina, USA

THE OCEAN REEF RESORT/FACEBOOK

Best for: Families with kids who love water parks.

Why stay here: A lazy river, water park and easy access to the beach make Ocean Reef a great place for the entire family.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

Just 6 miles from the bustling Myrtle Beach Boardwalk and Broadway at the Beach, Ocean Reef Resort is a casual, high-rise resort that offers a laid-back atmosphere.

The bright and airy rooms, many with balconies offering stunning ocean views, are stylish yet practical with minifridges, microwaves and coffee makers. Suites and condos provide extra space thanks to living areas with pull-out sofa beds and kitchen facilities, while a few units also offer whirlpool tubs.

In-room Wi-Fi is available in all quarters. Additionally, the resort provides a range of amenities to keep guests entertained. There’s a water park and play area, an indoor pool, a seasonal kids club and beach volleyball courts.

Complimentary DVD rentals and tickets to select local attractions are available. On-property food options include a breakfast buffet at Cafe du Port and casual bites and drinks at the poolside Banana Boat Lounge.

Rates for Ocean Reef Resort start at $99 a night.

Island Vista Resort

Myrtle Beach, South Carolina, USA

THE ISLAND VISTA/FACEBOOK

Best for: Travelers who want a quiet, sustainability-focused resort.

Why stay here: The Island Vista is a restorative resort along a more secluded section of the beach.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

Set against a gorgeous ocean backdrop, the relaxed beachfront Island Vista Resort is the epitome of laid-back luxury.

Within 4 miles of the buzzing Broadway at the Beach and the enchanting Ripley’s Aquarium, the resort’s prime location offers guests the perfect blend of city and seaside.

Each of the resort’s comfortable rooms features a private balcony, flat-screen TV, complimentary Wi-Fi and convenient in-room amenities such as microwaves, coffee makers and minifridges.

For those seeking an extra touch of luxury, upgraded rooms provide awe-inspiring views of the sparkling ocean, while the spacious one- to four-bedroom suites feature full kitchens, living rooms and whirlpool tubs in some upgraded suites.

From casual oceanfront dining in the Cypress Room to poolside sandwiches and salads at Tiki Hut, guests will be well sated. The resort also boasts indoor and outdoor pools, hot tubs, a lazy river and a serene beachfront deck, providing endless opportunities to unwind in style.

For those who want to stay active, the modern gym provides all the necessary equipment, while the on-site spa offers indulgent treatments.

Rates for Island Vista Resort start at $127.50 a night.

Marriott Myrtle Beach Resort Grande Dunes

Myrtle Beach, South Carolina, USA

MARRIOTT MYRTLE BEACH RESORT AND SPA AT GRANDE DUNES/FACEBOOK

Best for: Families that want to pursue their individual interests during the day and relax together at night.

Why stay here: The whole family can choose among championship golf courses, wellness treatments, gourmet cuisine and more.

Best way to book: Book directly with Marriott to earn or redeem Marriott Bonvoy points and enjoy any elite benefits.

This impressive oceanfront property offers guests an array of upscale amenities. Opulent rooms at the Marriott Myrtle Beach Resort & Spa at Grande Dunes are tastefully decorated and well appointed with desks, flat-screen TVs with HD channels and coffee makers.

Some rooms feature private balconies with stunning views of the surrounding area. The hotel’s impressive amenities include indoor and outdoor pools, a 24/7 fitness center and multiple dining options. Wi-Fi is available for an additional fee.

Guests can indulge in culinary delights at the hotel’s four distinctive food and beverage outlets, including all-day dining at Ocean’s on 82nd, or relax with a cocktail at the chic bar. There are tennis courts, a high-end spa with a whirlpool, and beach access, providing almost limitless opportunities for relaxation and rejuvenation.

For business travelers or those looking for event space, the hotel offers 45,000 square feet of flexible meeting space and a business center. A breakfast buffet and parking are available for an additional fee.

Rates for the Marriott Resort & Spa at Grande Dunes start at $185 or 40,000 Marriott Bonvoy Points per night.

North Beach Resort & Villas

Myrtle Beach, South Carolina, USA

NORTH BEACH RESORTS AND VILLAS/FACEBOOK

Best for: Visitors desiring access to a private secluded beach and spacious living accommodations.

Why stay here: North Beach Resort & Villas (formerly the North Beach Plantation) features elegant architecture and private beach access.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

Upon arrival, guests are greeted by a grand lobby that exudes elegance and sophistication. The ambiance is warm and inviting, with plush seating areas and a sparkling chandelier that casts a beautiful glow. The staff is friendly and welcoming, setting the tone for an unforgettable stay.

North Beach Resort & Villas offers a range of exquisite rooms and suites, each with modern amenities and tasteful decor. The rooms are spacious and comfortable, featuring plush furnishings, flat-screen TVs and balconies or patios that offer ocean views. The suites are equally impressive, with fully equipped kitchens, dining areas and whirlpool tubs.

It’s the resort’s amenities that truly set it apart, though. The outdoor pool area is an oasis of relaxation, with a lazy river, hot tubs and plenty of lounge chairs for basking in the sun. The poolside cabanas offer a luxurious retreat from the heat, with comfortable seating and flat-screen TVs to entertain.

The fitness center offers modern equipment and plenty of natural light, while the spa has skilled therapists and rejuvenating treatments. The on-site restaurants, including the acclaimed 21 Main Prime Steakhouse, offer delectable dining experiences.

A significant downside for some is that the property is 25 minutes from the main boardwalk.

Rates for North Beach Resort & Villas start at $149 per night.

Anderson Ocean Club and Spa

Myrtle Beach, South Carolina, USA

THE ANDERSON OCEAN CLUB AND SPA/FACEBOOK

Best for: Travelers who want a resort in the center of Myrtle Beach focused on health and wellness.

Why stay here: In addition to being in the center of Myrtle Beach, the Anderson Ocean Club and Spa provides guests access to its full-service spa.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

This classic all-condo resort boasts luxurious studios and one-, two- and three-bedroom suites, each designed to offer you the comforts of home.

Anderson Ocean Club and Spa provides an array of convenient amenities, including a fully equipped kitchen and a washer and dryer in each unit, so you can make yourself at home and easily prepare a quick meal or do laundry during your stay.

When you’re ready to step outside your room, the resort offers plenty to keep you entertained, such as indoor and outdoor pools, a lazy river, a hot tub and an oceanfront bar.

Awakening Spa is a resort highlight. Its menu features a variety of treatments like the Chamomile Azulene facial and the deep tissue muscle recovery massage. For those who prefer to stay active, the resort is close to nationally recognized golf courses, restaurants and other popular attractions.

Guests also have easy access to Broadway at the Beach and Pine Lakes Country Club, as well as restaurants, shopping and other entertainment venues.

Rates for Anderson Ocean Club and Spa start at $224 or 119,000 Hilton Honors points per night.

Dunes Village Resort

Myrtle Beach, South Carolina, USA

THE DUNES VILLAGE RESORT/FACEBOOK

Best for: Families with kids who want access to Myrtle Beach’s largest indoor water park.

Why stay here: While kids will enjoy the best indoor water slides in Myrtle Beach, adults can relax, thanks to the resort’s quiet location away from the city’s center.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

With free parking and convenient access to Myrtle Beach’s top attractions — just 3 miles from Myrtle Beach Boardwalk — Dunes Village Resort is a top pick for families. The resort also features not one but two indoor water parks with exciting waterslides, a lazy river and even water volleyball and basketball for the more adventurous.

The accommodations are equally impressive, with unfussy rooms offering ocean-view balconies, kitchenettes and comfortable pull-out sofa beds. For those seeking more space and amenities, one- to four-bedroom condos are the way to go. They come with separate living and dining areas, fully equipped kitchens and luxurious whirlpool tubs.

The resort also offers plenty of on-land diversions — a spa, sports and games facilities, two restaurants, a tiki bar and a coffee shop. Want to chill by the pool? Rent a private cabana and level up your poolside experience.

Rates for Dunes Village Resort start at $79 a night.

Marriott’s OceanWatch Villas at Grande Dunes

Myrtle Beach, South Carolina, USA

MARRIOT OCEANWATCH VILLAS AT GRAND DUNES/MARRIOTT

Best for: Families and groups desiring privacy and spacious living accommodations.

Why stay here: Exclusive beach access, an on-site grocery store and private balconies make stays here incredibly convenient — and there’s plenty of space for groups to spread out.

Best way to book: Book directly with Marriott to enjoy elite benefits.

Just a stone’s throw away from the beach, this property offers ocean views, spacious villas and an array of amenities catering to families and couples.

Each villa at Marriott’s OceanWatch Villas at Grande Dunes exudes a sense of modern elegance with its contemporary furnishings, plush bedding, full kitchens and private balconies. The one-, two- and three-bedroom villas can accommodate up to 10 guests and provide a home-away-from-home feel.

Families will love the multiple pools, lazy river and children’s pool, where one can indulge in “aqua-tainment.” Several hot tubs provide the perfect relaxation spot after a long day at the beach. For those who prefer land-based activities, the on-site golf course is a great place to hone one’s swing or take a short drive to other popular courses.

The property also provides easy access to the beach, where guests can revel in numerous water activities, such as parasailing, kayaking and fishing. Resort dining includes the full-service Woodsy Grill & Pool Bar and casual poolside Sand Dollar Grille. Stock up on snacks and groceries at Marketplace Express.

Craving relaxation? Head to the on-site spa for a range of treatments to rejuvenate your body and soul. Guests can stay active at the on-site fitness center.

Rates for Marriott’s OceanWatch Villas at Grande Dunes start at $332 a night. Marriott Bonvoy points are not applicable at this location.

Sea Crest Oceanfront Resort

Myrtle Beach, South Carolina, USA

SEA CREST OCEANFRONT RESORT/FACEBOOK

Best for: Visitors on a budget who want to avoid parting from their pets.

Why stay here: The resort is pet-friendly, affordable and, thanks to its central location, may just be the best value for your dollar in Myrtle Beach.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

This resort offers a variety of accommodations to meet the needs of any party size, from standard efficiencies to spacious one-bedroom suites, all of which have been recently renovated with modern amenities.

Most units at Sea Crest Oceanfront Resort feature kitchenettes or full kitchens, free Wi-Fi and private balconies. With nine pools, two indoor Jacuzzis, lazy rivers and a kiddie-size interactive aquatic playground, guests can enjoy various activities for all ages.

The resort also offers an exercise room, free tennis at a local club and discounts at top area golf courses. Food and beverage options are plentiful, with the Malibu Beach Bar and Oceanfront Snack Shack serving delicious drinks and bites. In addition, the Beach Java Cafe offers a variety of light snacks, coffee and breakfast options.

Guests can also take advantage of the convenience store and gift shop or purchase discounted tickets to local attractions. Beyond the resort, the Myrtle Beach Boardwalk is just a mile away and offers a wide selection of restaurants, shopping and entertainment options.

The Family Kingdom amusement park is also nearby and ideal for family fun, with rides and attractions for all ages. Local favorite eateries like Manny’s Deli and Subs, Loco Gecko and Captain Benjamin’s Calabash are convenient, too.

Rates for Sea Crest Oceanfront Resort start at $59 for a one-room, one-night stay.

The Strand

Myrtle Beach, South Carolina, USA

THE STRAND/FACEBOOK

Best for: Travelers looking for a modern and hip design in the center of Myrtle Beach’s attractions.

Why stay here: The Strand is smartly designed with sleek finishes, modern furnishings and oceanfront balconies that add to its upscale feel.

Best way to book: Book directly for the best rates and packages, or through your favorite credit card travel portal.

One mile from the iconic SkyWheel Myrtle Beach and 5 miles from Myrtle Beach International Airport, The Strand is a low-key property in the popular beach town.

Rooms feature airy, beach-inspired decor with ocean views from furnished balconies. Studios come with a kitchenette and washer-dryer. The one- and two-bedroom suites and condos add separate living rooms and pull-out sofa beds, making them ideal for families or groups of friends.

Start your day here with a complimentary deluxe hot breakfast served in the casual Market Restaurant. After, relax on the beachfront sun deck with private cabanas, take a refreshing dip in the outdoor pool or soak in the hot tub.

Fitness enthusiasts will enjoy the well-equipped exercise room. Guests can also take advantage of the spacious, convenient, covered parking across the street.

Rates for The Strand start at $105 a day for one room.

Homewood Suites by Hilton Myrtle Beach Oceanfront

Myrtle Beach, South Carolina, USA

HOMEWOOD SUITES BY HILTON MYRTLE BEACH OCEANFRONT/HILTON

Best for: Ocean lovers who want to stay in a hotel directly on the beach.

Why stay here: Sleep on the beach, why don’t you? Homewood Suites by Hilton allows guests to stay as close to the rolling waves as possible without getting sand in their ears.

Best way to book: Book directly with Hilton to earn or redeem Hilton Honors points and enjoy elite benefits.

Homewood Suites by Hilton Myrtle Beach Oceanfront boasts a prime location just an 11-minute stroll from the famous SkyWheel, and only 3 miles away from the Hollywood Wax Museum and Myrtle Beach International Airport.

Rooms with city or ocean views are bright and airy and offer modern amenities such as free Wi-Fi, flat-screen TVs, microwaves and minifridges. Families and larger groups will love the one- to two-bedroom suites equipped with sofa beds and kitchenettes, offering a perfect spot to whip up a quick meal while enjoying incredible Atlantic Ocean views.

Guests have access to a range of fun activities such as a water park with slides, poolside games and contests, board games, pool, foosball, pingpong tables and beach towel service (included in the daily resort fee).

A stay here also comes with complimentary breakfast and parking. An indoor water park, game room and gym are ideal for active guests. For food, Coconut Charlie’s Beach Bar serves coastal-American dishes (tacos, fresh seafood and boozy slushies). Hersheys Shake Shop is the spot for cool sweet treats.

Rates for Homewood Suites by Hilton Myrtle Beach Oceanfront start at $179 or 54,000 Hilton Honors points a night.

Ocean 22, a Hilton Grand Vacations Club

Myrtle Beach, South Carolina, USA

HILTON GRAND VACATIONS CLUB OCEAN 22 MYRTLE BEACH/HILTON

Best for: Hilton loyalists seeking family-friendly luxury.

Why stay here: Families will enjoy direct access to the beach, 24-hour concierge service, a kids activity center and poolside games like cornhole without leaving the property.

Best way to book: Book directly with Hilton to earn or redeem Hilton Honors points and enjoy elite benefits.

For those looking to explore the area’s stunning golf courses, lively country music clubs and exciting entertainment options, Hilton Grand Vacations Club Ocean 22 Myrtle Beach’s central location makes it the perfect base for your Myrtle Beach adventures.

Broadway at the Beach is nearby, and guests can indulge in various shopping, dining and entertainment options at their fingertips. Also convenient, the iconic Myrtle Beach Boardwalk is a must-visit attraction for any beach lover. This bustling beachfront promenade is home to lively bars, beachfront eateries, souvenir shops, thrilling rides and an arcade.

With so much to see and do, guests can spend hours exploring all the boardwalk offers. The hotel’s location, just two blocks from the Myrtle Beach Convention Center, makes it the perfect choice for business travelers attending events and conferences in the area.

Guests can retreat to their spacious one-, two- or three-bedroom suite with a fully equipped kitchen and a large master bedroom. Relax and enjoy partial or full Atlantic Ocean views from your open balcony.

Rates for Hilton Grand Vacations Club Ocean 22 Myrtle Beach start at $150 or 71,000 Hilton Honors points a night.

Source: thepointsguy.com