The place you lay your head to rest every night should be valued as highly as the load it carries.
Not to overstate things, but what you choose to rest sleep on determine how well-rested you are, which has mega health consequences in your everyday day.
Without a good night’s sleep, there’s less energy during the day to spend on all the activities that bring joy to your life and keep you happy and healthy.
So now that we’ve established how important your sleep is, let’s go into setting up your bed for optimal comfort and rest.
And no, I’m not saying that you should start thinking about renovating your bedroom. Technically, it’s you bed that should feel like your happy place, the place you go back to at the end of every day.
Your entire body should be comfortable throughout the night. The mattress should encourage better sleep postures and boost breathability.
When choosing your bed and shopping for a mattress, your top factors should be comfort level, size, quality, longevity, to mention the first few.
If you are wondering which mattress would be a top choice to look at, consider the natural bamboo mattress. Here are a few of the main reasons why this might be the best decision you make:
Pro-environment
Going green is great for the entire world. If there is anything we can do to help sustain and protect nature from harmful human intervention, we’re all for it.
Bamboos are natural resources that grow quickly but are also eco-friendly. In comparison to other material like cotton or timber, bamboo releases a lot more oxygen into the environment.
Variety in sizes
Like you would expect of any other type of mattress, bamboo mattresses come in different sizes. This means that you can quickly order 3 of the best king size mattress options for back pain at mattressgenius.com without any fails.
You can also get the Queen Size, twin size, or even, California king size. Thanks to these varieties, the natural bamboo mattresses make the perfect beds for side sleepers, back, and also front sleepers.
More comfortable than cotton mattresses
In comparing natural bamboo mattresses and cotton mattresses, you will notice that bamboo is softer than cotton.
This means that it is also a lot more comfortable for users than cotton mattresses. Besides, the comfort of the natural mattresses is not dependent on the seasons or weather changes.
Most people who opt for natural bamboo mattresses attest that they are incredibly comfortable, and unmatched by none in the market.
Hypoallergenic
People who struggle with allergies have the hardest time finding the right mattress to suit their needs. With the natural bamboo mattress, you do not have to go through the hassle of purchasing a non-allergen cover to help with your allergic triggers.
In fact, bamboo mattresses are known to be hypoallergenic. These mattresses are made with antibacterial and anti-microbial properties, which help prevent the formation of harmful bacteria and fungi that can cause allergic triggers.
This type of mattress is also resistant to dust mites, one of the most commonly encountered issue with regular mattresses. Thanks to this, you can enjoy a good night’s sleep without dust mites triggering your allergies.
Temperature regulation
Most people do not appreciate the fact that bamboo is a very porous material when used in its fabric form.
But it’s precisely this feature that makes it highly breathable by allowing free flow of air in and out. Instead of sweating through the night and coping with the challenge of heat trapped between your body and the mattress, enjoy a bamboo mattress that will let your body be cool throughout the night.
Besides, the natural bamboo mattresses come with the ability to absorb moisture. This means that even if you sweat into the night, you will not experience any type of uncomfortable pooling of the sweat.
The nature of the bamboo mattress ensures that the bedding does not stick to your body even after sweating. The pores of the bamboo mattress allow the sweat to evaporate quickly so you can enjoy a peaceful night.
Adequate spinal support
It is super important to have your back and neck laid out properly during sleep, for the sake of your spinal column.
Usually, the spinal column of your body has a natural curve that should be embraced for better spinal health.
A bamboo mattress will allow the proper inclination of your spine throughout the night, so make sure you pay special attention to this aspect when choosing your mattress.
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Today we’ll take a hard look at “Aurora Financial,” a direct mortgage lender that says it’s built for speed.
In fact, they claim it’s possible to close a home purchase loan or refinance in as little as 14 business days, which is well below the average time it takes to get a mortgage.
Typically, you’re looking at 30-45 days during normal market conditions, and even longer if the industry is slammed.
So if you’re in need of a quick close and a low mortgage rate, Aurora Financial could be a winner. Let’s learn more.
Aurora Financial Fast Facts
Direct-to-consumer mortgage lender
Offers home purchase loans and mortgage refinances
Founded in 2003, headquartered in McClean, VA
Currently licensed to do business in 20 states nationwide
Funded about half a billion in home loans last year
Specialize in very fast loan closings
Aurora Financial is a Virginia-based direct-to-consumer mortgage lender that offers home purchase loans and mortgage refinances.
They seem to focus on the latter, with such transactions accounting for around 90% of their total loan volume in 2020.
Speaking of, they closed nearly half a billion in home loans last year, with about half of overall volume originated in their home state of Virginia.
At the moment, they do business in the states of California, Colorado, Connecticut, Delaware, D.C., Florida, Georgia, Illinois, Massachusetts, Maryland, New Hampshire, New Jersey, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington, and West Virginia.
While they work all over the country, you’ll likely be applying remotely as they don’t appear to have brick-and-mortar branches.
How to Apply with Aurora Financial
To get started, simply visit their website and click on “Apply Online.” You can also call them up directly before you do to get pricing.
From there, you’ll be prompted to create an account, then you can fill out the actual loan application.
They say it’s a digital process and mostly paperless, with e-signatures for initial disclosures and a secure portal for quick uploads of supporting documents.
Those looking to buy a home can generate a pre-approval in “minutes,” and their big claim is using the latest tech to offer the fastest closings in the industry.
Part of that might be their streamlined business model of focusing mainly on conventional refinance applications for W-2 borrowers.
It also helps that they offer both in-house paperless processing and underwriting.
Apparently, the average refinance closes in just 16 business days, though their rush closings can be even faster.
All in all, it should be easy to complete your application and get to the finish line, assuming you have a simple loan scenario.
Loan Programs Offered by Aurora Financial
Home purchase loans
Refinance loans
Conforming loans backed by Fannie Mae and Freddie Mac
High-limit and jumbo loans
FHA loans
VA loans
I wouldn’t say Aurora Financial has a vast product menu, but they do offer the most common programs that the majority of borrowers are looking for.
This includes home purchase financing, rate and term refinances, and cash out refis.
You can get a conforming loan, high-limit, jumbo, or government-backed option like an FHA or VA loan.
The only major loan type they don’t appear to offer is USDA loans.
It’s also unclear if you can get an adjustable-rate mortgage, not that they’re very popular at the moment.
Aurora Financial Mortgage Rates
One area where the company seems to shine is mortgage rates. Instead of simply telling you they offer super competitive rates, they post them right on their homepage.
You won’t have to dig around or provide your contact info first. Simply head to their website for daily rates.
They also advertise on third-party websites like Zillow, where lenders are often very competitive in the pricing department.
After all, you don’t want to be the most expensive option when listed among dozens of other lenders.
From what I saw, they were offering one of the lowest rates for a 30-year fixed on Zillow for a sample loan scenario I generated.
It was also listed with $1 in lender fees, which is essentially a no cost refinance. That means a low rate and equally low APR.
On top of their seemingly low rates, they also offer a free rate float down if you lock and rates get even better.
It only applies to conforming loans and the rate must drop by 50 basis points for a fixed-rate loan and 62.5 bps for an adjustable-rate mortgage.
As always, put in the time to gather additional quotes with competing lenders to ensure you do your due diligence.
Aurora Financial No Closing Cost Loyalty Program
Another perk to using Aurora Financial is their so-called “No Closing Cost Loyalty Program.”
Simply put, if you get a loan from them and mortgage rates drop enough to make a refinance worth it, they’ll offer one without closing costs.
Not only will they waive their own lender fees, but also third-party costs like the home appraisal, title and escrow.
Borrowers will only be responsible for funding their impound account, if applicable.
To qualify, the loan amount must $200,000 or greater, a conforming loan on a primary or second home, and be at least six months past the previous loan funding date.
This gives you the opportunity to refinance at no cost for the lifetime of your loan with them.
Aurora Financial On-Time Closing Guarantee
Pricing aside, Aurora Financial also offers an on-time closing guarantee to ensure you get your home purchase financing without delay.
This is especially important in a hot real estate market, which we’re currently experiencing.
In short, they’ll close your purchase transaction on time or credit you with $1,000 at the time of closing.
This offer only applies to conforming loans and FHA loans, with jumbo loans ineligible, along with self-employed borrowers.
Ultimately, you need a pretty cut and dry loan scenario to qualify, but the guarantee should apply to most borrowers who happen to file W-2 and have a conforming loan amount.
Aurora Financial Reviews
On Zillow, Aurora Financial enjoys a 4.69-star rating out of 5 from more than 700 customer reviews.
At Bankrate, they have a 4.8-star rating from nearly 300 reviews, with 97% of customers indicating they’d recommend this lender.
They also have a 4.8-star rating on Angi from about 80 verified reviews, with price, punctuality, and responsiveness all receiving high marks.
On Google, a very similar 4.7-star rating from about 125 reviews, and on Yelp a 4.5 rating from about 25 reviews.
The company is also A+ BBB rated, and has been an accredited company with the Better Business Bureau since 2006.
They have a 4.93/5 customer rating on the BBB website and no customer complaints on file.
In summary, Aurora Financial seems like a good pick for a homeowner with a vanilla mortgage (Fannie/Freddie W-2 borrower) that’s looking to refinance.
The combination of low rates and fees, coupled with fast processing and their no-cost loyalty program, separates them from other shops.
Aurora Financial Pros and Cons
The Good
Can apply online via their secure digital mortgage application
Offer a mostly paperless loan process and in-house processing
They post their daily mortgage rates online
Appear to offer low rates and limited/no lender fees
Free rate float down
Their loan officers don’t work on commission
$1,000 on-time closing guarantee
Can close loans super fast (in as little as 14 days)
Excellent customer reviews across all ratings sites
Quality and reliability have long been the most crucial features when searching for the best home security systems to ensure the safety of your loved ones and belongings.
Nowadays, many home security companies have gone beyond excelling at the two core features, with leading security companies now also embracing home automation technology and incorporating innovative features into their systems.
Home security systems have come a long way, with countless customization options and wide-ranging functionalities now available on the market.
And if you’re finding it difficult to navigate the multitude of products (and their makers), we’re here to help.
Thanks to the Internet of Things, homeowners can remotely control their thermostats, door locks, vacuums, lights, and even feed their pets while they’re away using mobile apps.
It has also made it simple and affordable for users to monitor their homes from anywhere. Installing home security is easy, especially when you opt for do-it-yourself kits.
Depending on the security needs for your home, you can choose a self-monitoring system or pay to have it surveilled round the clock by professionals.
Here are the 5 top home security brands you can choose from while on a budget — without having to worry about the safety of your home and loved ones:
#1 Protect America Security Systems
Protect America is a renowned home security systems company based in Texas, US. The company offers quality DIY systems and services at budget-friendly rates, with all of their systems being custom built and designed for long-term security.
Protect America offers a lifetime warranty on all equipment. They have strong customer service, support, and a 30-day free trial of the system. Protect America also provides an option for landline and broadband monitoring, making it ideal for homeowners in rural areas.
#2 SimpliSafe Security Systems – link to store
SimpliSafe is another American security company known for their self-installed security systems. Their systems are cutting edge, and are connected to a central control panel.
SimpliSafe security systems are DIY installations ideal for people who move from time to time. They’re also cost-efficient and contract-free. With the units being easy to set up, they’re a top option for renters as well.
#3 Frontpoint Security Systems
Frontpoint deals solely with the manufacturing, installation, and maintenance of home security systems.
They also have DIY installation systems which are very easy to set up and a 24/7 concierge-level customer service with knowledgeable representatives. The Frontpoint home security system is suitable for both homeowners and renters.
Frontpoint ensures their customers get value for their money. Their exceptional customer support is what gives them an edge over the competition. They make their customers feel valued.
The company also offers control panels and keypads, door and window sensors and for those looking for separate components.
A smash and crash protection, 30-day money-back guaranty, and robust feature set are other offerings from the company. It has an all-round system for individuals, family settings and all lifestyles.
#4 Scout Security Systems
Scout was founded through a crowdfunding campaign that aimed at creating simple, affordable, and smart home security systems.
The company has expert designers, engineers and business savvy people working together to create beautiful security systems that are easy to use. Scout understands that every customer is different, so they design home security systems that are unique to every home.
Scout has some of the most affordable home security systems that allow homeowners to customize their devices.
Customers can choose their preferred system colors, components, the level of support they want, and the actions they want to be initiated by the devices in times of emergency.
Known as ‘the hub’, the Scout system uses 4G cellular battery backup that provides protection even after a power outage.
The company also offers access sensors, door panels, smoke and carbon monoxide detectors, motion sensors, door lock pads, glass break sensors and water sensors. Their home security systems are very easy to automate.
#5 Brinks Security Systems
Brinks offers high end, reliant, effective, and stable home security systems. Brinks has a track record with many customers across the world.
The company provides live monitoring and mobile and web application from which homeowners can view their homes after logging in. They also offer cloud storage services for surveillance footages for those who want to pay extra.
The security system from Brinks has loads of features, is affordable, and comes with two monitoring options. Their system is DIY and gives homeowners a 30-day risk-free offer and a two-year warranty. They also offer a smart home hub that can connect to home automation devices, a hacker protection feature and LTE cellular signals.
The system uses discreet door sensors with a 200-foot communication range. It has a hands free alarm and can detect the homeowner’s approved access through the phone and unlock the door immediately.
With security being top-of-mind for any homeowner, choosing the correct home security system is a crucial decision in keeping your home (and family) safe.
And as we’ve just learned, there are many options outside of the heavily marketed costly systems, like these 5 best security systems. And while no one can put a price on feeling safe in your own home, it’s good to know you’ve made the best decision for the well-being of your family and loved ones.
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Inside: Do you have a passion for something, but don’t know what to do with it? This guide will help you find a career that is perfect for you and match your interests and values.
This is something all of us wonder, right?
What should I do for a living?
Am I doing what I should do as a career?
Did I make the right decision with my career?
Or is it time to switch gears and find something that I love to do and make money at the same time?
I have been asking this question so many times, I finally decided to make a list of answers.
This is not just for those who want to know what they should do with their lives; it’s also for anybody looking for some new ideas on how they can fit into a career that will bring them satisfaction and happiness.
Recently, my middle schooler was asked, what do you want to do beyond high school? And he looked at me shell shocked.
Remarkably, this question of what should I do for a living is a doozy to answer. So, don’t feel alone if you cannot answer it… yet.
How do I find out what I should do for a living?
The first step to finding out what you should do for a living is to identify your skills and interests.
What are you good at?
What do you enjoy doing?
Once you have a better idea of your strengths and passions, you can start researching your options.
The bottom line…you must be happy to spend the next decades doing what you picked.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Tips for finding a career you love
When you’re looking for work, it’s important to remember that there are many different ways of making a living. You can be an artist or designer in your own home studio, or run your own business. The key is to figure out what your interests are, and then find a way to use those skills in the work you love doing.
The goal of this article is not just to help you find a job that pays the bills, but to help you find work that is satisfying, meaningful, and fun.
Here are some tips to keep in mind as you go through the process of figuring out what you want to do with your life.
#1 – Focus on You
Don’t listen to people who tell you that you should do one thing. If your parents want to see you be a doctor, or if your friends think it’s important for you to have a “real” job, you might be tempted to listen to them.
Don’t let anyone else tell you what your passion is, or how you should spend your life.
Determine what’s important for YOU!
As you go through the process of figuring out what to do with your life, keep in mind that there are many different ways to live a happy and fulfilling life. You don’t have to be a doctor to help other people. You don’t have to work in an office all day, every day.
Do what you love and the money will follow.
If you do something that you love, you will never have to work a day in your life. If you do what you love, and are good at it, people will pay for that service or product.
Do what makes YOU happy. If you’re not happy, no one else will be either.
Don’t let anyone tell you what to do with your life. You should never have to justify your decisions or choices to anyone. You are the only one who has to live with your decisions and choices.
Do what you want, not what other people want for you or think that you should do. Period.
#2 – Identify What Interests You & Makes You Tick
There are a variety of ways you can go about finding out what interests you. You can read books and articles on different topics, talk to people with various careers, or take online quizzes and assessments – like this what should I do for a living quiz.
The first step to finding the right career for you is to identify what interests you intellectually.
What fascinates you?
What makes you feel like you are not working?
How do you want to spend your free time?
Once you know what fascinates you, the next step is to figure out how you can turn this into a career. Then, pursue your career interests relentlessly so you can reach your full potential.
#3 – Uncover your Strengths
Identifying your strengths is the key to finding opportunities that will be a good fit for you and enable you to reach your full potential.
Here are some things to take note of:
Pay attention to what you enjoy doing.
Notice when you feel most energized and engaged.
Consider what you do well naturally.
Reflect on feedback you’ve received from others.
Ask yourself how you can use your strengths more often in your current role or situation.
Once you know what they are, make sure to pursue opportunities that are based on them. This will help you stay focused and motivated in your work and life.
#4 – Match Your Values With Your Interests
Your values are the things that are most important to you in life. They guide your decisions and actions. They direct you to live a life that is meaningful to you.
There are many ways to identify your values. One way is to think about what is most important to you in different areas of your life, such as your relationships, work, leisure activities, and so on. Another way is to think about what you would like people to say about you when you are no longer here. What do you want them to remember about you?
Once you have identified your values, it can be helpful to write them down or share them with someone who will support and encourage you in living according to them.
When you link your values and interests together, it creates a powerful combination that can help you to live a more fulfilling and meaningful life.
When you know what is important to you (values) and what makes you happy and excited (interests), it becomes much easier to make decisions about how to spend your time and energy.
For example, let’s say one of your values is “family” and one of your interests is “cooking”. You could combine these by cooking meals for your family members or friends. Not only would this be enjoyable for you (because it aligns with your interest in cooking), but it would also be meaningful because it would be an act of love and care for those closest to you (which aligns with the value of family).
#5 – Consider your Lifestyle
Are you okay living below your means? Or do you prefer to flash your cash?
If you tend to spend money frivolously or struggle with saving money, then you need to be a high-worth earner. If you are okay living stingy, then a modest salary will probably work for you.
Keep in mind your lifestyle and what would be the best fit for you.
Consider if the hours are flexible, if you’d have time for hobbies and other interests, and how the commute looks. Sometimes rethinking your opportunities can give you a better perspective on what’s truly important to you.
Other Questions to Ponder:
Do you want a job that will consume most of your time?
Do you want a job where you can have a good work-life balance?
Are you okay with being tied to one location or have the flexibility to move around?
Are you willing to travel for work? If so, how often and how far?
What are your salary expectations? Are you looking for health benefits, paid vacation, or other perks?
Ultimately, there are many factors going into your decision. When considering a new potential career opportunity, it’s important to think about more than just the paper qualifications and the salary.
#6 – Spend Time Doing your Research
The best way to find a career you love is to first figure out what it is that you’re passionate about. What are the things that make you excited to get out of bed in the morning? Once you know what your passions are, research careers that align with those interests.
This just doesn’t happen overnight.
In fact, I recently went back to something of interest to me years ago because it would provide the time freedom I desired.
Spend time doing your research and following all the steps we cover in this post.
#7 – Find a career that matches your skills and interests
It can be difficult to identify what you want to do with your life, especially if you’re feeling lost or uncertain.
However, once you’ve identified what areas of interest might suit your skillset, try to link these interests with some type of career options.
Consider how your interests would fit into potential careers before choosing one.
It’s important to consider how your unique passions would fit into certain occupations or fields of work before choosing one. This will help you find a career that is satisfying and fulfilling. Consider the skills and interests you have and search for job openings that match them.
Start by researching the field you’re interested in.
# 8 – Talk to people in the field
There are a few ways to find people to talk to about your career interests. You can start by talking to friends and family members who might know someone in the field you’re interested in. You can also look for professional organizations related to your field of interest, or search for networking events in your area.
When you’re talking to someone about their career, it’s important to ask questions that will help you learn more about the field and whether it’s a good fit for you. Some questions you might want to ask include:
What does a typical day look like?
What is the most challenging part of the job?
What are the biggest rewards of the job?
These people will have better insights than what you can find searching the internet.
#9 – Get experience in the field
Oh, I cannot tell you how important this step is!
You have heard a similar story… my son dreamed of being an engineer and we planned to send him to engineering school. After his internship, the thought of being an engineer sucked the life out of him. Glad we learned this lesson before we spend money on his college education.
That is why I believe schools like this are so important to get real-life experience doing what you think you want to do for a living.
Consider internships or volunteer work to get your foot in the door.
Gaining experience can help you learn more about a particular field or company, and whether or not it’s the right fit for you.
#10 – Be open to change
Here are some things to keep in mind with change.
1. Change can lead to new opportunities: When you’re open to change, you’re also open to new opportunities. Embracing change can help you find a new job, start a business, or even move to a new city.
2. Change can help you grow: Personal growth is important for a fulfilling life. Change can challenge you and push you out of your comfort zone, leading to personal growth.
3. Change can be exciting: If you’re bored with your current situation, change can be exciting. It’s a chance to start fresh and experience something new.
4. Change can be positive: Even if it’s difficult, change can ultimately be positive. It can lead to improved relationships, increased happiness, and a better life overall.”
15 Most Popular Working for a Living Jobs
Many people want to know what they should do for a living.
For some, it’s not as easy as just “doing what you love.” There are definitely jobs out there that allow you to do what you love and make a living.
But first, we need to talk about the types of work available.
All salary estimates from Salary.com.
Registered Nurses
Registered nurses are in high demand and make a good living. They work with patients to assess their health, provide treatments, and help them recover.
Average Pay: $65k-70k per year
Education Needed: You need to have a nursing degree from an accredited school. You will also need to pass the National Council Licensure Examination for Registered Nurses (NCLEX-RN)
Police Officers
Police officers are responsible for upholding the law and maintaining public safety. A successful career in law enforcement requires strong communication skills and the ability to stay calm under pressure.
Average Pay: $54k-72k per year
Education Needed: Requires a college degree
Security Officer
More people are looking for security officer jobs as the world becomes increasingly dangerous. Security officers are in high demand and are usually the first responders in an emergency situation. It’s a challenging and rewarding career that can make a difference in people’s lives.
Average Pay: $32k-53k per year
Education Needed: Depends on their background and previous experience.
Real Estate Agents
If you’re looking for a job that’s in high demand, consider becoming a real estate agent. With the right education and licensing, you could be helping people buy and sell homes in no time. You must be comfortable marketing yourself and closing sales.
Average Pay: $38k-140k per year
Education Needed: Real estate agents need to be licensed in order to work. The real estate agent licensure test has a written and practical exam that must both be passed. In order to pass, you will need to know about contracts, financing, legal issues, and more.
Nursing Assistant
One of the most popular jobs in America is nursing assistant. It requires little training and pays relatively well. The work can be demanding, but it is also rewarding, and many nursing assistants feel a sense of satisfaction from their work.
Average Pay: $29k-41k per year
Education Needed: The Nursing Assistant job requires a high school diploma or equivalent, on-the-job training, and certification.
Delivery Driver
One of the most popular jobs in America is being a delivery driver. There are many positions for delivery drivers with different companies. Popular companies to work for include UPS, FedEx, and Amazon.
Average Pay: $39k-54k per year
Education Needed: Minimal. To become a delivery driver, you need to have a valid driver’s license and be able to lift heavy objects.
Firefighter
The most popular jobs in the United States vary from year to year, but there are always a few constants. Among these are firefighters, who protect lives and property from fires and other emergencies. They undergo rigorous training and must be physically fit to do the job.
Average Pay: $54k-94k per year
Education Needed: To become a firefighter, you need to have completed high school and be at least 18 years old. You will also need to pass a physical test and complete a training program.
Customer Service Representative
A customer service representative is the front line of a company and often the first interaction a customer has with the brand. The customer service representative’s job is to handle customer complaints, provide product information, and handle other inquiries. In order to be a successful customer service representative, one must have excellent communication skills and be able to stay calm under pressure.
Average Pay: $28k-44k per year
Education Needed: Minimal. Most require on-the-job training.
Dental Assistants
Dental Assistants are needed in every dental office. They help the dentist chair-side and perform a variety of tasks such as: take X-rays, prepare patients for treatment, sterilize instruments, and more. The Bureau of Labor Statistics projects that the number of jobs for Dental Assistants will grow by 18% from 2016 to 2026.
Average Pay: $32k-50k per year
Education Needed: To become a dental assistant, you will need to complete an accredited program and pass certification exams.
Nanny
One of the most popular jobs, and one that is likely to continue being in high demand, is nannying. To become a nanny, it is important to have experience with children and to be comfortable caring for them.
Average Pay: $37k-51k per year
Education Needed: You should also be CPR certified and have a clean background check.
Medical Assistants
A medical assistant is responsible for a variety of tasks in a doctor’s office, such as handling insurance claims, scheduling appointments, and helping the doctor with examinations.
Average Pay: $33k-44k per year
Education Needed: The job requires certification from an accredited program and on-the-job training.
Home Health Aides
Being a home health aide can be a rewarding career. Home health aides assist people who are unable to care for themselves in their own homes. They may provide basic needs such as bathing and dressing, or they may provide more specialized help, such as caring for someone who has Alzheimer’s disease.
Average Pay: $23k-33k per year
Education Needed: In order to be a home health aide, you need to have a high school diploma or equivalent, be at least 18 years old and have a driver’s license.
Personal Assistants
Being a personal assistant is a profession that helps people with various tasks. These tasks can include things like preparing meals, cleaning, and running errands. There are many different types of personal assistants, but all of them must have good communication skills and be able to multi-task.
Average Pay: $50k-83k per year
Education Needed: None
Graphic Designer
A graphic designer creates visual concepts, using computer software or by hand, to communicate ideas that inspire, inform, and captivate consumers. They develop the overall layout and production design for advertisements, brochures, magazines, and corporate reports.
Average Pay: $39k-65k per year
Education Needed: Many hold a bachelor’s degree in graphic design or related fine arts field.
Marketing Manager
A marketing manager is responsible for planning and executing marketing campaigns that promote a company’s products or services. They must have a strong understanding of marketing principles and be able to develop creative strategies that will engage consumers
Average Pay: $47k-94k per year
Education Needed: Usually need a least a bachelor’s degree, but the experience is more important.
High Paying Career Opportunities that Pay Over $100k a Year
There are many popular career choices that people will argue about. For example, which is the best job? This section covers jobs that pay over $100000 a year.
These jobs typically have six-figure salaries and require years of schooling and training.
Software Engineer
A software engineer is someone who designs, creates, tests, and maintains the software that makes computers work. They design, develop, test, and maintain the software that makes our lives easier. As technology advances, the job of a software engineer becomes more and more important. Writes code, tests, and debugs programs and perform a variety of complicated tasks.
There is a high demand for software engineers in the airline industry. Pilots need software engineers to design, develop, and maintain the software that controls the aircraft. They also need software engineers to help with the maintenance and troubleshooting of the software.
Average Pay: $65k-130k per year
Education Needed: Requires a college degree. Many have master’s degrees as well. To become a software engineer, one must have a strong foundation in mathematics and computer science.
Database Administrator
A database administrator is responsible for designing, implementing, maintaining databases, and troubleshooting databases while ensuring their availability 24/7/365. They work with clients to understand their needs and create databases that meet those needs. Database administrators need strong technical skills, as well as good communication and problem-solving skills.
Average Pay: $97k-150k per year
Education Needed: May require a bachelor’s degree in area of specialty or require certification.
Investment Banker:
A career as an investment banker can be quite fulfilling, as you will be responsible for helping companies raise money by issuing and selling securities. You will need to have a good working knowledge of financial markets, as well as excellent communication and organizational skills. As well as provides analysis of opportunities and potential investments, assists clients with the formulation of investment proposals, and provides guidance on the structuring and negotiation of transactions.
Average Pay: $56k-110k per year
Education Needed: College degree is typical and may require an advanced degree.
Air Traffic Controller
Air Traffic Controllers work in airports to ensure safe and efficient air travel. They monitor aircraft and make sure they follow all the necessary safety procedures. They also direct the movement of flights and keep an eye on traffic congestion. An air traffic controller is key for the safety of the pilots and passengers.
Average Pay: $54k-120k per year
Education Needed: Requires certification from the Federal Aviation Administration (FAA).
Petroleum Engineer:
There is an increasing demand for Petroleum Engineers. They are responsible for the exploration and production of oil and gas and work in a variety of industries, including energy, mining, and transportation. They develop plans to extract oil and gas from deposits below the earth’s surface and new ways to extract oil and gas from old wells.
Average Pay: $82k-120k per year
Education Needed: Requires a bachelor’s degree in engineering. May specialize in reservoir engineering, drilling engineering, or production engineering.
Anesthesiologists
Anesthesiologists are responsible for the care of patients during and after surgery. They monitor patients to make sure they are safe, help them breathe, and make sure they are comfortable.
Average Pay: $310k-520k per year (most anesthesiology assistants make well over $100k)
Education Needed: Requires a bachelor’s degree. Then, medical schools are offering anesthesiology education.
Airline Pilots
Being an airplane pilot is a very demanding job. Pilots need to be able to stay focused for long periods of time while flying. They also need to be able to make quick decisions while flying. Pilots also need to be able to multitask while flying. With travel demand constantly growing, there will be a growing need for pilots.
The airline pilot profession is a very demanding one that requires a great deal of education and training. It takes many years of dedicated study to become a qualified airline pilot.
Average Pay: $125k-163k per year
Education Needed: In order to become a certified pilot, pilots must first complete an accredited undergraduate program. After that, they must complete a professional pilot training program that can last anywhere from 1 to 4 years. Finally, they must pass a certification.
Psychiatrists
There are many different types of psychiatrists and their job duties vary. Psychiatrists are typically employed as full-time employees in hospitals, clinics, or private practices. A psychiatrist’s job duties may include diagnosing mental disorders and providing treatment.
Average Pay: $190k-300k per year
Education Needed: Usually required to have a graduate degree in psychiatry and pass a psychiatric board examination.
Orthodontists
Orthodontists are a type of doctor who specializes in the treatment of teeth and jaws. They use orthodontic appliances (braces and retainer devices) and other treatments to correct problems with teeth and jaws. Orthodontists typically work in private clinics and hospitals.
Average Pay: $100k-210k per year
Education Needed: Required to have a four-year undergraduate degree in dental hygiene, dental medicine, or dental technology. After completing an orthodontic residency, they must pass the American Board of Orthodontics (ABO) license examination.
Day Trader
A day trader is someone who makes a living by trading stocks, commodities, or currencies. They do this by buying and selling stocks, commodities, or currencies at the right time, and making a profit. This means that they are constantly on the lookout for opportunities to make money. A day trader typically works from home and may use a computer, telephone, or other electronic devices to trade.
Average Pay: $65k-120k per year
Education Needed: Required None required. However, many have a background in finance or economics.
Hedge Fund Manager
A hedge fund manager is a person who manages hedge funds. Hedge funds are investment pools that are used to protect investors from losses. Hedge fund managers make money by investing money in different types of securities.
Being a hedge fund manager is a very demanding job. It requires a lot of skill, knowledge, and experience. A hedge fun manager must be able to analyze financial data and make decisions quickly. He or she must also be able to communicate with clients and other employees of the hedge fund.
Average Pay: $87k-131k per year
Education Needed: Hedge fund managers must have a strong educational background. Studying finance or economics is usually necessary.
Web Developer:
A web developer is responsible for creating and maintaining websites. They work with clients to understand their needs and create a website that meets those needs. Web developers need strong technical skills, as well as good communication and problem-solving skills.
Average Pay: $97k-140k per year
Education Needed: College degree required. Must have certifications as well.
Network Engineer
A network engineer is responsible for designing, implementing, and maintaining networks. They work with clients to understand their needs and create networks that meet those needs. Network engineers need strong technical skills, as well as good communication and problem-solving skills
Average Pay: $73k-120k per year
Education Needed: College degree required. Must have certifications as well.
Trade Jobs that Pay A lot More than Minimum Wage
Trade jobs often come with good pay. This is because they require specialized skills and training. Some of these jobs include welders, plumbers, and electricians. Many trade jobs also come with good benefits packages. This includes things like health insurance and retirement plans. Some even offer the choice to join a union.
For example, welders and power plant operators can make an average of $23 an hour. Plumbers and electricians can make an average of $30 an hour.
Power Plant Operator
Aircraft Technician
Welders
Plumber
Construction Manager
Electricians
Real Estate Appraiser
HVAC Technician
Elevator Mechanic
Radiation Therapists
Boilermakers
Most Needed Job Opportunities
There are a number of jobs that are on-demand and in high demand right now. These jobs may have different requirements or be in higher demand in certain areas, but they all offer the potential to make a good living doing something you love.
There are many trade jobs that are in high demand right now. This means that there are more job openings than there are people to fill them.
This list of the top five jobs in demand right now was formed with the help of Best Colleges.
Nurse Practitioner
A Nurse Practitioner is a type of doctor who helps patients with a wide range of health problems. They work in a team with other doctors and nurses to care for patients.
Nurse Practitioners are trained to diagnose and treat a wide range of health problems, which can include everything from common colds to more serious diseases.
Average Pay: $100k-140k per year
Education Needed: Medical training is beyond what a registered nurse needs. A Master’s in nursing is required as well as state licensure.
Genetic Counselor
A genetic counselor is a healthcare professional who helps individuals and families understand and adapt to the medical, psychological, and social implications of genetic disorders. They work with patients to provide risk assessment, education, and support for inherited conditions.
Genetic counselors are poised for rapid growth and long-lasting job security due to advancements in genomics and genetic testing.
Average Pay: $67k-99k per year
Education Needed: Master’s degree in genetics and board certification.
Occupational Therapy Assistant
An occupational therapy assistant (OTA) is a healthcare professional who helps people regain and improve the skills they need to live and work independently. They provide rehabilitative services to patients who have sustained an injury, have a disability, or are experiencing physical and/or cognitive changes.
This may include helping individuals improve their mobility, balance, and coordination through exercise programs; improving the social skills of children with developmental challenges; working with people who have mental health conditions to help them participate in daily activities; or providing support to elderly patients who want to remain independent.
Average Pay: $52k-76k per year
Education Needed: Associate’s degree and field experience.
Physical Therapist Aides
Physical therapists aides help patients who have physical problems such as bed sores, fractures, and paralysis. They work with the physical therapist to help the patient move and perform activities of daily living. Typically duties include helping patients with exercises, massages, and other treatments.
Average Pay: $30k-38k per year
Education Needed: Physical therapist aides must have a high school diploma or GED and pass a criminal background check.
Information Security Analyst
The information security analyst job market is projected to grow by 33% over the next three years, making it one of the fastest-growing job markets. Information security analysts are vital to the protection of data and are responsible for the protection of computer systems and networks from cyberattacks and data breaches. They work to protect an organization’s most valuable assets- its data.
Average Pay: $70k-103k per year
Education Needed: Most have a Bachelor’s degree in software engineering or computer science. Also, many have certifications.
Thinking to Follow Your Passion – Cool Jobs to Do
There are a variety of jobs that you may not have considered that can be a great fit for you.
If you’re looking for a career change or just want to try something new, here are a few jobs you may want to consider. These jobs offer great opportunities and allow you to do what you love every day.
Video Game Programmer or Designer
If you love playing video games and have some creativity, you may want to consider becoming a videogame designer. This job allows you to use your imagination and creativity to create new and innovative gaming experiences for players all over the world.
Average Pay: $53k-185k per year
Education Needed: A college degree in computer programming is preferred. However, you can program get a certification and start working sooner.
Virtual Assistants (VA)
Being a virtual assistant can be a great way to make some extra money. It can be a lot of work, but with the right skills and equipment, it can be a lot of fun. Virtual assistants work with people all over the world, so there is always something new to learn. A VA has very flexible hours and can set its own schedule.
Average Pay: $39k-52k per year (depending on how much you hustle). Very common to make more.
Education Needed: None. But, this virtual assistant training is highly recommended.
Video Producer
There are a variety of video production jobs that are in high demand. If you have the skills and are passionate about video, there are plenty of opportunities out there. You could work as a video producer for a news organization, create video content for a website, or work for a company that produces video content for marketing purposes.
Average Pay: $47k-100k per year
Education Needed: Most have a college degree in design and video production. But, experience is preferred.
Tour Guide
If you are good at giving information tours, you may want to consider becoming a tour guide. Tour guides give visitors an overview of a particular place or attraction. They must be knowledgeable about the history and culture of the area they are touring, and be able to answer visitor questions.
Average Pay: $22k-44k per year
Education Needed: None.
Fashion Stylist
Detail-oriented people who have a passion for fashion and design can make a great living as a stylist. Stylists are in high demand, especially in the fashion industry. They typically work with clients to help them choose outfits or styles that will suit them, as well as style photo shoots and provide consultation on current trends.
Average Pay: $47k-64k per year
Education Needed: This is a job where you get popular by your experience and referrals.
Translators
Being a translator can be a very rewarding and challenging career. The most popular jobs for translators are in the legal, medical, business, and technical fields.
Translating is a very versatile job that can be done in many settings. Learning about the different types of translation and which language pairs are the most popular can help you get a better understanding of the field.
Average Pay: $43k-72k per year
Education Needed: Typically hold a bachelor’s degree. Must be proficient in at least two languages.
Social Media Manager
If you are able to communicate well, have strong writing and communication skills, and have some marketing experience, you may want to consider becoming a social media manager. A social media manager is responsible for developing and executing a social media strategy for their employer or client.
A social media manager is responsible for creating and managing a company’s social media presence. This includes creating content, monitoring activity, and engaging with followers.
Average Pay: $49k-75k per year
Education Needed: A college degree in marketing is preferred.
Event Planner
Event planners are in charge of organizing and managing events. They come up with ideas for events, coordinate with various departments to make them a reality, and keep things running smoothly. Event planners can work for businesses of all sizes, from small businesses to multinationals. There are many different types of event planners, so if you’re interested in a career in events, you should explore this avenue.
Average Pay: $47k-70k per year
Education Needed: Many have a college degree, but that is not mandatory. Strong organizational skills, attention to detail, and ability to work under pressure. Experience is best.
Florist
There are many cool jobs that you can consider if you are interested in the floral industry. A florist can work in a variety of settings, such as a grocery store, a restaurant, or a ballroom. A florist can also work as a freelance artist, creating floral arrangements for special events. This is a creative outlet for many and comes with flexible hours. However, work can be seasonal and require working on weekends and holidays.
Average Pay: $35k-76k per year
Education Needed: Nothing special. Just have an eye for creativity and a love of flowers.
Work Opportunities to Make Real Money
How do you want to make money? There are many ways. You could choose a career in medicine, law enforcement, or any other occupation that ultimately benefits society and helps people thrive.
Many people believe a business degree is worth it, but may not be the best choice for you.
Here are real jobs to make real money at work.
Teacher
One of the most popular jobs in America is teaching. Teachers are needed in every state, and the profession offers great stability and benefits. We need our teachers to teach the next generation.
Average Pay: $39k-80k per year
Education Needed: In order to become a teacher, you need to have at least a bachelor’s degree and be certified in your state. Many pursue a master’s degree in order to receive higher pay.
Veterinarian / Veterinary Tech
There are a lot of different jobs in the veterinary field, and if you love animals, chances are you would enjoy working with them. Veterinarians work with all types of animals, from pets to livestock. Veterinary technicians work with animals in veterinary hospitals, performing tasks such as recordkeeping and taking care of furry patients.
Average Pay: $60k-150k per year / $25k-55k per year
Education Needed: Becoming a veterinarian is much like going to college to become a doctor requiring specialty degrees. However, a vet tech only needs a high school diploma.
Construction Worker
Being a construction worker can be a challenging, but rewarding experience. It can be a great way to meet new people and build some amazing structures. The job requires a lot of physical labor, but it can also be very rewarding to see a project come to life. If you are interested in becoming a construction worker, be sure to research the profession and prepare yourself for the challenges that will come with the job.
Average Pay: $26k-47k per year
Education Needed: Starting out no experience is needed. To become a project manager, you will need a college degree.
Marketing Assistant
A marketing assistant helps with a variety of tasks in marketing. They may be responsible for monitoring and managing budgets, creating and distributing marketing materials, or working with customers to improve their experience with a company. If you have a strong interest in marketing and are comfortable working in a collaborative environment, a marketing assistant role may be a good fit for you.
Average Pay: $34k-57k per year
Education Needed: A college degree in marketing is preferred.
Truck Driver
One of the most popular jobs in America is a truck driver and a heavily needed position. The Bureau of Labor Statistics reports that there are 1,187,500 truck drivers employed in the United States.
Average Pay: $45k-58k per year
Education Needed: A high school diploma or equivalent is typically required to become a truck driver.
Administrative Assistant or Office Manager
The Administrative Assistant position is one of the most popular jobs in America. The role generally entails providing support to managers and employees, handling office operations, and managing schedules. In order to be successful in this career, you’ll need strong organizational skills and proficiency in Microsoft Office.
Average Pay: $35k-55k per year
Education Needed: None
What Should I Do for a Living FAQs
You enjoy going to work,
Your work makes you feel fulfilled.
Your skills are utilized and challenged.
You feel like you are making a difference.
This is why it is important to spend time making a decision on what to do for a living.
You’re not passionate about your work
You’re always stressed out
You dread going to work
You’re not challenged by your work
You don’t feel like you’re making a difference
It is better to make a decision to move out of the wrong career to maintain your happiness in life.
Research other careers that might be a better fit for you and consider making a switch.
Your interests can give you clues about the types of careers that might suit you. Your skills can help point you towards careers that will make use of your strengths.
Passions:
What are you passionate about?
What topics can you talk about for hours without getting bored?
Skills:
What natural talents do you have?
Are you good at working with your hands, or do you prefer working with your mind?
Do people often come to you for advice or help with problems?
Values:
What is important to you in a job?
Do you want to feel like your work makes a difference in the world, or do you just want a steady paycheck?
Do you prefer working independently or as part of a team?
Personality:
Are you an extrovert or an introvert?
Do people describe you as spontaneous or cautious?
Work environment:
Do you prefer working indoors or outdoors?
In an office or from home?
With animals or with people?
When it comes to choosing a career, it’s important to consider what kind of personality traits will make someone successful in their chosen field. Also, knowing your values can help narrow down your career options.
How can you create a career you love?
Your career is one of the most important aspects of your life. It’s what you spend the majority of your time doing, and it can have a huge impact on your overall happiness and satisfaction with life. That’s why it’s so important to find a career that you love.
When you have a career that you’re passionate about, it doesn’t feel like work. You’re more likely to be engaged and motivated, and you’ll be more likely to stick with it even when things get tough. Plus, pursuing a career that you love can lead to all sorts of other benefits, like increased success and earning potential.
There is no reason why you can’t create a career that brings joy into your life every single day!
How can you make a living doing what you love?
What are you good at? What do you enjoy doing? Which things are you naturally drawn to?
Those are the areas you need to focus on.
Once you have a plan, it’s time to start making money. There are a number of ways to do this, but the most important thing is to get started and keep moving forward.
Remember, it takes time and effort to build a successful business or find an enjoyable career.
What Should I Do Now?
There’s no single answer to the question “what should I do for a living?”
Everyone has a different idea of what they would like to pursue.
There is no right or wrong answer when answering this question, but if you are struggling with the decision-making process, take note of these most popular jobs and the skills you need to get them.
But by exploring your interests and values, you can find a career that is a perfect match for you.
No matter what your interests or skills may be, there is sure to be a cool job out there that is perfect for you.
You could also become an environmental scientist, web developer, or event planner. There are many exciting and rewarding careers out there – you just need to find the one that’s right for you.
Then, at the next social event, you can be proud to answer “what do you do for a living?”
So what are you waiting for? Start your search today!
More Ideas for You:
Know someone else that needs this, too? Then, please share!!
Bankrate helps thousands of borrowers find mortgage and refinance lenders every day. To determine the top mortgage lenders, we analyzed proprietary data across more than 150 lenders to assess which on our platform received the most inquiries within a three-month period. We then assigned superlatives based on factors such as fees, products offered, convenience and other criteria. These top lenders are updated regularly.
Cherry Creek Mortgage
Cherry Creek Mortgage has originated more than $70 billion in loans since launching in 1987, and is rapidly expanding its presence in the online market. The lender’s online, direct-to-borrower company, Blue Spot Home Loans, offers same-day preapprovals, and the average closing time is between 22 and 27 days.
Strengths: Cherry Creek Mortgage offers a wide range of loan programs, including low-down payment options. It also provides helpful calculators to estimate homeownership costs, and provides updated rates regularly online.
Weaknesses: The lender isn’t available in every state, and has stricter FHA credit score requirements compared to others.
Read Bankrate’s Cherry Creek Mortgage review.
AimLoan.com
Founded in 1998, AimLoan.com has funded over $31 billion in mortgages to over 90,000 homeowner. Known for cost-efficiency, AimLoan.com guarantees closing costs as shown at the time of application and rate lock, and guarantees the fees of third-party service providers as well.
Strengths: AimLoan.com strives to eliminate the most expensive components of the mortgage process, and offers transparent costs and an efficient application process.
Weaknesses: This lender doesn’t offer FHA or USDA loans, and doesn’t accept credit scores below 620 in most cases.
Read Bankrate’s AimLoan.com user reviews.
Better.com
Better.com is an all-digital lending company that has been doing business since 2016. Its tech-savvy approach to mortgages leads to quick preapprovals, as well as closings in around 21 days.
Strengths: Better.com doesn’t charge lender fees, is transparent about its rates and offers 24/7 customer service.
Weaknesses: This lender doesn’t offer VA or USDA loans.
Read Bankrate’s Better.com mortgage review.
Cake Mortgage
Founded in 2018, Cake Mortgage has funded over $3.5 billion in loans. The Chatsworth, California-based lender allows you to apply in just 10 minutes, can approve borrowers within 24 hours and often closes in as little as 28 days. You can apply for a loan completely online, or with a mix of online and phone engagement.
Strengths: Cake Mortgage is transparent about its rates.
Weaknesses: Cake Mortgage isn’t available in all states.
Read Bankrate’s Cake Mortgage user reviews.
Loan Surfer
Based in St. Louis, Missouri, LoanSurfer closes over $1.75 billion in home loans each year. Among its perks, the lender offers a mobile app that you can use to message your loan officer instantly, securely scan and upload documents and calculate payments easily.
Strengths: Loan Surfer has some helpful digital tools and boasts a commitment to closing on time.
Weaknesses: The lender’s website offers few details regarding its loan programs and interest rates.
You can have it all in Arkansas. If you move to one of these cool college towns, that is.
Arkansas, the Natural State, is known for its diverse landscapes, warm Southern hospitality and rich history. Amidst the rolling hills, lush forests and sparkling lakes, six cities stand out as the best college towns in Arkansas. These cities offer students a unique and fulfilling college experience, with top-notch educational institutions, diverse cultural attractions and a wealth of outdoor recreational opportunities.
Fayetteville, nestled in the picturesque Ozark Mountains, is a vibrant city with a strong sense of community and a thriving arts and culture scene. The city is home to the University of Arkansas, the state’s flagship public research university. Established in 1871, the University of Arkansas offers a diverse range of academic programs, state-of-the-art facilities and a vibrant campus life that attracts students of all walks of life.
Fayetteville’s cultural attractions are plentiful, with a wealth of museums, galleries and performance spaces to explore. The Crystal Bridges Museum of American Art and the Fayetteville Underground showcase the city’s artistic heritage, while the historic Arkansas Air & Military Museum and the Clinton House Museum offer fascinating glimpses into the region’s past.
The great outdoors is never far away in Fayetteville, with the stunning Ozark National Forest and the beautiful Botanical Garden of the Ozarks providing ample opportunities for hiking, biking and wildlife watching. The city’s culinary scene is a testament to its rich multicultural heritage, with popular eateries like Hugo’s and Hammontree’s Grilled Cheese offering a taste of Fayetteville’s unique flavors.
Dickson Street, the city’s entertainment district, features lively bars, clubs and music venues, providing students with the perfect setting for creating lifelong college memories.
Jonesboro, a friendly and welcoming college town in northeast Arkansas, offers students an exceptional educational experience amidst a vibrant and diverse community. The city is home to Arkansas State University, a comprehensive public university known for its outstanding academic programs in agriculture, engineering and education. Established in 1909, Arkansas State University offers a diverse range of degree programs, a close-knit campus community and a strong commitment to sustainability.
Outdoor adventure is at the heart of the Jonesboro experience, with the serene Lake Frierson State Park and the unique Forrest L. Wood Crowley’s Ridge Nature Center providing ample opportunities for hiking, fishing and soaking up the sun.
The city’s culinary scene offers an eclectic selection of dining options, from the mouthwatering barbecue at Demo’s Smokehouse to the delectable farm-to-table fare at The Parsonage. Jonesboro’s lively nightlife, with popular venues like Cregeen’s Irish Pub and George’s Majestic Lounge, offers the perfect setting for students to unwind after a day of study and exploration.
A thriving cultural hub located in central Arkansas, Conway offers students a unique blend of small-town charm, rich history and an ever-growing arts scene. The city is home to a few institutions of higher learning, namely the University of Central Arkansas and Hendrix College. University of Central Arkansas is a public university that offers a diverse range of academic programs and a strong commitment to community engagement. Hendrix College is a renowned liberal arts institution and is known for its innovative curriculum and emphasis on experiential learning.
Conway’s cultural attractions offer a wealth of experiences for students and visitors to explore. The city’s historic downtown area is home to numerous galleries, music venues and museums, including the Baum Gallery and Kings Live Music.
Outdoor enthusiasts will find plenty to do in and around Conway, with beautiful Lake Conway and picturesque Toad Suck Park providing the perfect settings for fishing, boating and picnicking with friends.
The city’s culinary scene is no joke either, with popular eateries like Pasta Grill and Stoby’s offering a taste of Conway’s eclectic flavors. With its enchanting blend of history, culture and natural beauty, Conway proudly claims its spot among the best college towns in Arkansas.
A city with a rich heritage located along the banks of the Arkansas River, Pine Bluff offers students a unique educational experience amidst a warm and welcoming community. The city is home to the University of Arkansas at Pine Bluff (UAPB), a historically black public university known for its strong academic programs in agriculture, business and education. Established in 1873, UAPB offers a wide range of degree programs, a supportive campus environment and a strong commitment to community engagement.
The great outdoors is always within reach in Pine Bluff, with the beautiful Delta Rivers Nature Center and the serene Lake Saracen providing ample opportunities for hiking, birdwatching and fishing.
A scenic college town nestled between the Ozark and the Ouachita Mountains, Russellville offers students an exceptional educational experience amidst a vibrant and supportive community. The city is home to Arkansas Tech University (ATU), a public university known for its strong academic programs in engineering, computer science and education. Established in 1909, ATU offers a healthy range of degree programs, a close-knit campus community and an unwavering commitment to sustainability.
Russellville’s cultural attractions offer a wealth of experiences for students and visitors alike. The city’s downtown area is home to numerous galleries, theaters and museums, including the River Valley Arts Center and the Arkansas Tech University Museum.
Adventure lovers are well taken care of in Russellville, with Mount Nebo State Park and Lake Dardanelle providing ample opportunities for hiking, biking and water sports. Russellville’s lively nightlife, with popular venues like The Old Bank Sports Grill and Cagle’s Mill, act as great spots for students to kick back and relax after class and on the weekends.
Little Rock, Arkansas’s bustling capital city, offers students a rich and unique college experience. The city is home to the University of Arkansas at Little Rock and Philander Smith College, both renowned for their strong academic programs and close-knit campus communities. University of Arkansas at Little Rock offers strong programs in fields like business, engineering and liberal arts. Philander Smith College, a historically black liberal arts institution, focuses on providing a values-centered education in a supportive and nurturing environment.
With a wealth of museums, galleries and performance spaces to explore, Little Rock is no slouch when it comes to history and entertainment. The Arkansas Museum of Fine Arts and the William J. Clinton Library and Museum showcase the city’s artistic and historical heritage, while the Robinson Center and the Arkansas Repertory Theatre offer world-class performances for arts enthusiasts.
The city’s culinary scene is a testament to its rich multicultural heritage, with popular eateries like The Pantry and Doe’s Eat Place offering a taste of Little Rock’s unique flavors. The River Market District features lively bars, clubs and music venues, providing students with everything they need to enjoy their pre-working-world lives.
The perfect Arkansas college town awaits
With its breathtaking landscapes, Arkansas’ rich cultural heritage and top-quality educational institutions offer students an unparalleled college experience in its best college towns. The college towns featured above each boast a unique blend of outstanding academic opportunities, stellar arts scenes and no shortage of outdoor recreational activities.
For students seeking a college experience that is both academically enriching and personally fulfilling, these cities are undoubtedly among the best college towns in Arkansas. Pack up, grab your hiking boots and embark on an unforgettable journey through the Natural State.
When it comes to the best places to live in America, it’s more than just civic pride that earns a place a spot on the list. U.S. News & World Report recently published their list of the 100 best places to live in the USA, analyzing elements such as value, desirability, a strong job market and a high quality of life. If you’re looking for your next location and want to pick from the cream of the crop, check out some of these cities as your next potential target.
The Top 10 Best Places to Live According to US News & World Report
#1: Austin, TX
Love music? Crave more culture than you can shake a stick at? Then Austin, TX is the place for you. According to the study, about 50 people move to Austin every day. Cited as “Live Music Capital of the World” and home to two of the country’s biggest music, film and media festivals with Austin City Limits and South By Southwest, it’s no surprise it’s a hot destination for many renters. Find apartments in Austin, TX
#2: Denver, CO
Known as the “Mile High City” due to its towering 5,280 feet above sea level elevation, Denver has recently shed its image of a wild west mountain town for a more cosmopolitan image. Though it’s undeniable that it is a perfect location for snow sports enthusiasts, Denver’s progressive attitude towards the legalization of recreational marijuana and its related industries has certainly seen a hike in the city’s desirability. Not a nature lover or fitness nut? There’s an emerging arts and brewing scene here that can’t be overlooked. Find apartments in Denver, CO
#3: San Jose, CA
Do you know the way to San Jose? Though the famous lyrics may not know how to get there, it would appear that renters across the country do. Nicknamed the capital of Silicon Valley, it’s little wonder that this California stalwart is huge for those in tech. It’s not all business, though — San Jose is also great for hiking, camping and enjoying the great outdoors. Bonus: San Jose has over 300 sunny days a year, so feeling those mid-winter blues will be a thing of the past. Find apartments in San Jose, CA
#4: Washington, DC
It’s more than politics that drive people to move to the nation’s captial, and everyone from foodies to culture vultures can find a neighborhood that suits them perfectly. DC is home to a terrifically extensive public transportation system, so getting around without a car is easy. Additionally, the city is full of public parks, meaning you can still have fun in the great outdoors without losing the heartbeat of an urban environment. Find apartments in Washington, DC
#5: Fayetteville, AR
Arkansas? Really? You bet. Full of good old-fashioned southern hospitality and currently feeling an economic boom, Fayetteville attracts those that crave a friendly, family-type atmosphere. Its close proximity to the Ozarks makes it a destination for lovers of the outdoors, and the city speaks to those who love the arts and local food movements. Find apartments to rent in Fayetteville, AR
#6: Seattle, WA
Surrounded by beautiful landscapes and home to a hip, urban environment, there’s a lot more to Seattle than just grunge and coffee. The people here personify “laid back,” making it a hot spot for start-ups and tech firms of all sorts. Despite the hills, bike commuting is popular, and there’s an extensive bus system that runs throughout the downtown area. And no — it doesn’t rain all the time. In fact, New York City actually gets more rain annually. Find apartments in Seattle, WA
#7: Raleigh & Durham, NC
Part of the North Carolina Triangle, this area is pulling in about 80 new residents a day. Affordable rents and shorter commute times add up to a great quality of life factor in Raleigh-Durham which has attracted a younger population to the metro area. Kick back with one of the many local microbrews and enjoy the growing arts and music scene. With a lower cost of living than the national average, you’ll be able to afford the fun. Find apartments in Raleigh, NC Find apartments in Durham, NC
#8: Boston, MA
Drenched with history and flooded with culture, there’s a lot to love about Boston. Home to world-class educational institutions, hospitals, eclectic music and arts scene and one of the nation’s oldest ballparks, the people of Boston are a diverse bunch. Everyone from recent college grads all the way to retirees love the city, and each neighborhood offers up something different. Though considered expensive comparatively to the national average, it’s money well spent for a city like this. Find apartments in Boston, MA
#9: Des Moines, IA
“Is this heaven? No, it’s Iowa” as the famous line from Field of Dreams said — and Des Moines is no exception. This midwest gem may not sound like a must move destination, but it’s got it where it counts. Despite its population of 600,000, Des Moines has a neighborly feel making it a popular place to raise young families. With rents and cost of living below the national average, it’s worth consideration as a great place to live in America’s crossroads. Find apartments in Des Moines, IA
#10: Salt Lake City, UT
Though Salt Lake City has devout roots in religion and Mormon faith, this city definitely changes with the times. Lovers of the great outdoors revel in the close proximity to five national parks and a few excellent ski resorts, while those with more urban leanings find fun in the city’s sports teams and many downtown entertainment options. Cost of living is fairly inexpensive compared to the national average, and with more apartments and condos being built availability is high. Find apartments in Salt Lake City, UT
To read more about US News & World Report’s methodology, click here.
Are any of these cities on your moving bucket list? Do you agree with the report? Let us know what you think below!
America was largely settled by immigrants: These cities lean into that fact.
Moving to a new place can be pretty scary for anyone, but it’s especially intimidating if you aren’t welcomed with open arms. This happens all too often, despite the fact that immigrants and migrants from other states are vital components of any area’s economic and social well-being.
In fact, they actually make up a significant portion of the workforce, and cities with higher immigrant populations tend to experience greater economic growth than other areas. Immigrants also help to offset population decline, which heads off economic disasters. Plus, they readily invest in their new area by opening businesses and thus creating jobs. In short, immigrants tend to show up and take care of business and enjoy upward mobility in the process.
These types of cities are the most welcoming to immigrants
The Bush Institute-SMU Economic Growth Initiative recently ranked cities based on how welcoming they are to newcomers. The outfit says that certain cities, like those that are “knowledge-centric,” are the best options. This includes cities renowned for their technology or finance industries — and college towns where education and forward-thinking are paramount.
Many such cities offer a lot of opportunities compared to where a person comes from, thanks to their economic and professional profile. So a city with a higher opportunity score is likely to provide the chance at a higher quality of life than some others. Now, let’s dissect this data, figure out what comprises a higher life quality and reveal these cities in all of their hospitable glory.
The first entry in the top 10 most welcoming cities in the U.S. is State College, Pennsylvania, the appropriately named home to Penn State University. From the period 2010-2021, the city saw an ever-so-slight decline in domestic migration’s contribution to population growth in the area (minus 3 percent), but experienced an uptick of 6 percent related to immigration.
With an overall population of just over 157,000, State College is one of the smallest on our list, but the numbers are hardly what you would call irrelevant. In fact, the opportunity score in State College is one of the highest on our list, at 117 percent, meaning that newcomers average greater quality of life/opportunity by 17 percent compared with their parents. Some of the influx of immigrants to this area is due to the fact that more than 11,000 students from various countries head to Penn State for its varied educational opportunities.
9. Orlando-Kissimmee-Sanford, Florida
Both domestic migration and immigration contributed to the population in the Orlando-Kissimmee-Sanford, Florida metro area, at basically the same rate of 9 percent! With a total population of nearly 2.7 million, this area is the third-largest on our list, which translates to big numbers, in terms of newcomers to the area. The opportunity score is slightly lower than that of State College, at 92 percent, however, it’s mitigated by the area’s reputation for being friendly to newcomers!
The draw is likely due to a preponderance of jobs thanks in part to the state’s booming tourism industry, but also the fact that central Florida already has a lot of immigrants makes it appealing to newbies. This section of Florida is a well-oiled machine for welcoming newcomers, and it translates into more and more each year.
Not so far away from the OG immigrant spot, Plymouth Rock is the metro area of Boston/Cambridge/Newton, which spans parts of Massachusetts and New Hampshire. Immigration to the area went up by 7 percent, although domestic migration took a dip of minus 4 percent.
The metro’s population totals 4.9 million, making even tiny immigration upticks extremely significant. These days, most immigrants to the area come from China, the Dominican Republic and Haiti, the City of Boston says, and are likely lured there by its opportunity score of 117 percent. They most often matriculate into jobs that are blue-collar (construction, production, repair, natural resources) or within the service industry. As these are all very important to growth, the immigrant population is filling a lot of important roles.
7. Naples-Marco Island, FL
Moving back to sunny Florida, the metro of Naples-Marco Island, Florida is considered another particularly hospitable area to newcomers. Found near the southern end of the state outside of Miami, many of these newbies are important to the local agriculture scene and are drawn to the area by such jobs. They’re also critical to recovery from all-too-frequent hurricanes that hit the area, which necessitate skilled hands at construction and other trade jobs.
Domestic migration actually contributed more to population growth here than anywhere else on our list (up 18 percent!) and immigration was also higher by 7 percent. The opportunity score hovers at 101 percent.
6. Fargo, North Dakota/Minnesota
The next metro area on our list could not be any more different from Naples if it tried, weather-wise. The far northern area of Fargo, North Dakota/Minnesota is especially dependent on immigrants to fill important positions within both the manufacturing and production industries, although many also work in sales and healthcare positions.
Many relocate to the chilly, but friendly area from the Philippines, in particular. Domestic migrants to the area were up by 7 percent, while immigrants were also higher by 4 percent. The opportunity score of 133 percent is one of the best on our list, meaning that someone who moves to this area can experience 33 percent worth of improvement in opportunity compared with where they came from.
5. Miami-Fort Lauderdale-Pompano Beach, Florida
Although domestic migration to the Miami/Fort Lauderdale/Pompano Beach area of Florida has declined by 5 percent in recent years, immigration is up quite a bit at 12 percent the highest uptick on our list). With nearly 6.1 million residents in this metro area, that translates to quite a few newcomers.
Miami has indeed turned into a hotbed of opportunity for Latines, in particular, as they frequently hold STEM positions and 73 percent of local businesses are owned by immigrants. They are also attending local colleges and universities and contribute tremendously to the local economy as consumers.
4. San Jose-Sunnyvale-Santa Clara, CA
The lone West Coast metro on our list, the area of San Jose-Sunnyvale-Santa Clara, California has experienced a decline in domestic migration of minus 11 percent, but an increase in immigration of 8 percent. Asian-born immigrants make up a significant portion of this population, although it certainly sees plenty of Latine newcomers, as well.
Many flock to the area for the tech opportunities it is known for, as well as the excellent school systems for their children. However, the ever-rising cost of living in California is making it difficult for many to stay in the area. That said, the opportunity is so rich in the area that the typical person enjoys 23 percent greater opportunity (score of 123 overall).
Moving back over to the Midwest, Iowa City is considered the third most welcoming city in America. Perhaps this is because the area has a reputation for welcoming immigrants historically. Whatever the reason, the city/state regularly take in people fleeing natural disasters or devastating conflicts in their home countries, including those from Ethiopia and Bosnia. There’s also a strong contingent of Hispanic people who come to the area looking for professional opportunities.
Both domestic migration (1 percent) and immigration to the area (7 percent) have increased in recent years, continuing this region’s longstanding reputation as one that welcomes others with open arms. Much like San Jose, the opportunity score in this area is 123 percent.
The central Minnesota city of St. Cloud is runner-up as the most welcoming city in America. Immigration to the metro is up by 4 percent, however, domestic migration declined in the same time period by three percent. St. Cloud boasts the highest opportunity score on our list at 145 percent, meaning that people can earn and live at a better quality by nearly 50 percent compared the previous generation.
Immigrants to the area tend to come from East African countries like Somalia, however, people from Kenya, Vietnam, Mexico and Korea also make up significant portions of the newcomer population. They contribute to the local economy by filling major gaps in the employment force, but also by paying taxes and contributing to Social Security.
1. Ames, Iowa
The smallest city on our list is also the most welcoming of them all. Slightly north of Des Moines is the unassuming metro of Ames, Iowa, with a population of just over 126,000 people.
Domestic migration is down slightly there, however, immigration is on the rise at 7 percent. This Iowa city is known as a safe haven for people seeking asylum from the dangers of their homeland. Many newcomers hail from Ukraine, Honduras and the particularly war-torn parts of Africa.
The community is very much a part of this effort, as volunteers with the Ames Interfaith Refugee Alliance advocate for refugees and help them acclimate to the area upon arrival. They also aim (pun intended) to educate people about immigration and the positive impact they can have on a given area. It also doesn’t hurt that the cost of living in Iowa is way below the national average and that the opportunity score is an impressive 132 percent.
A little bit of hospitality goes a long way
Obviously, there are still many kinks to work out related to the often difficult immigration process. That said, it’s good to know that some cities are doing their best to make it a positive experience for everyone hoping to breathe free in a new land.
By Peter Anderson35 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited May 6, 2019.
Christmas time is one of the most joyous times of the year at our house, but if you’re not careful it can also be one of the most expensive times of year. If you’re trying to cut down on spending, like we are at our house, it can become a challenge to find creative gifts to give.
Today I thought I would try to put together a list of ideas for some good frugal gifts that you can give this Christmas. (The frugality of the gifts vary from gift to gift, but I’ve linked some possibilities on Amazon. You can probably find some cheaper ways to put these things together yourself if you try.)
Check out the newly expanded list: 100 Frugal Christmas Gifts
50 Frugal Gifts
Baked goods: I don’t know any guy who wouldn’t love to get a box full of cookies, banana bread and pastries! (Hint: not good for someone on a diet)
If you’ve got an old laptop, make a frugal digital picture frame out of it!: At 14-15″ it’ll be bigger than most you buy at the stores, and cheaper since you’ll be using old parts!
Personalized Calendars: Most photo processing places will have these personalized calendars you can buy, or pick up pre-made ones in Target’s dollar bins. Get photos of you and the person you’re giving the gift to in each season, and place them in the appropriate month/season of the year!
Themed gift baskets: Give a themed gift basket. For example, a movie night theme basket with microwave popcorn, a movie or two, and some cheapo popcorn buckets from Target dollar bin.
Custom t-shirts: Create your own custom t-shirt for a family member on Cafepress. It’s cheaper than you might think!
Scrapbooks: Make a scrapbook for a close friend showng moments you’ve shared together. My wife did this for a friend’s wedding. Very meaningful.
Donation to a local charity: Give to a local charity in someone’s name. Make sure it’s a charity that they would actually give to.
Handmade Christmas ornaments: make personalized Christmas ornaments for your friends and family!
Board Games: buy a board game, a gift that gets the family together and keeps on giving all year long! Even better, if you can find some board games at garage sales or on ebay, create a themed game night gift basket (see above)!
Family history DVD: Put together a family history DVD with photos, writtten family histories, video and anything else you can think of.
Framed family picture: Take a picture at a family event, frame it, and give it as a gift!
Coupon Books: Make a personalized coupon book with such favorite coupons as “back rub”, “dinner” or “clean the house”.
Make a blanket: make a nice fleece blanket. Instructions here.
Make some custom painted wine glasses: Make some custom painted wine glasses, and then give them along with a bottle of wine. Instructions here.
Give a magazine subscription: My brother loves reading National Geographic and the Economist. We gave him subscriptions as a gift.
Romantic evening gift set: Candles and fake flower petals! Cheap and fun!
Keeping warm gift set: Give a gift set of hat, scarf and gloves. Add long underwear as well if you wish!
Leatherbound journal: buy a nice leatherbound journal at your local Borders or Barnes and Noble. They make for a nice gift. Add a nice pen if you want to pay a little more.
Craft Kit: Put together a crafting kit with things like markers, glitter, scissors, clay, crayons, glue, paper, etc.
Photo Collage: If you’re handy with Photoshop or another image editing software, create a photo collage/montage, print it out and frame it! Or if you don’t have Photoshop, print separate pictures and create a collage.
Movie Tickets: Buy a pair of movie passes or a movie gift card for someone to go see a movie. Not as cheap as it used to be :).
Buy a single stock: Buy a family member a single stock to get them started, and give them a copy of a finance book like Dave Ramsey’s Total Money Makeover (although you may want to stress that you’re giving it because it has helped you. People can get touchy about money related gifts)
Flannel Sheets and PJs: Buy a keeping comfy gift pack with flannel sheets and pajamas!
Coffee Lovers Gift Pack: Buy some gourmet coffee and a personalized coffee cup for the coffee lover on your list.
Set of soaps, towels and soap dish: Put together a nice matching set of hand towel and soap dish, and then give some handmade soaps.
Big breakfast gift pack: Put together a gift pack with pancake mix, batter dispenser, syrup and pancake mix-ins.
Puzzle day: Give a gift pack of a puzzle and snacks to eat while you do the puzzle!
BBQ Kit: Get some BBQ sauce from local source, and add it to a nice BBQ Utensil kit.
Basket of spices and seasonings: Put together a basket of seasonings and spices from a local spice or grocery store. Make sure to get a good mix for cooking, BBQs, etc.
Netflix subscription: Pay for someone to have netflix for a couple of months. If they have a connected device, they can even stream movies!
Deck of cards and book of card games: Buy a cheap pack of cards, and a book listing the rules of different card games. Good for hours of fun!
Cheap keychain digital picture viewer: Buy someone a cheap digital picture viewer keychain (around $20?) and fill it with pictures.
Bath time gift pack: Buy a nice wash clothe, some bath oils/beads and even some lotions at your local bath store.
Mix tape: Make a mix CD from Itunes with some of the person’s favorite music on it.
Botanicals: buy a nice low maintenance plant to brighten up their day, along with a small watering can.
Make a recipe box: If you’re good with wood, make a nice recipe box, and fill it with blank recipe cards.
An appreciation book: Get a nice journal, and write in it to the person about how much you appreciate them, things you love about them, shared moments and experiences and general encouragement. Even add a few photos.
Book gift pack: Find some books on your own shelf that you’ve already read, and put together a gift pack of books
Chocolate attack!: Put together a gift pack with all kinds of chocolate. Hot chocolate, chocolate bars, truffles, etc.
Car wash kit: Put together a kit for washing the car. Can include things like sponge, tire brush, bug remover, car soap, etc.
Regifted items: Did you get a 2nd crock pot last Christmas that you haven’t used? Give it away this Christmas (to someone other than who you received it from)
“That’s a spicy meatball” gift pack: Give them a nice italian dinner with a pasta bowl, pasta, strainer, fancy olive oil, pasta utensils and even some sauce.
Give your service: Good at cooking? Offer to come over and cook a gourment meal. Are you a designer? Offer your design services for free. Good with computers? Offer free tech support. You get the idea.
Wine and cheese gift pack: Buy a variety of specialty cheeses, crackers and a bottle of wine. Put it together and you have one gourment evening!
Picnic pack: Put together a picnic pack with a blanket, a basket, some cheap utensils and plates.
Sewing Kit & lessons: put together all the sewing essentials (thread, needles, pins, etc) and then give the person lessons on how to sew.
Gardening gift pack: Buy the person gardening gloves, gardening tools and some seeds. Put them all in a small bucket or waterging can.
Handmade jewelry: Make a handmade necklace or bracelet at a local bead or craft store. Give it as a meaningful gift.
Music lover’s delight: give an itunes gift card, along with a book about their favorite artist or band
Beer afficionado gift pack: Give a beer mug, snacks and gift card from a local brew pub.
A Birdhouse: Give your loved one of these bluebird houses so they can relax on the porch and watch the colorful avians.
Now that I’ve given you some ideas for some frugal Christmas gifts, why don’t you give us your own ideas! Leave a comment with your idea for a good frugal Christmas gift below!
More Ideas
50 ideas not enough? Here’s some more ideas for a frugal Christmas!
California mortgage tech firm Blend Labs is at risk of getting delisted from the New York Stock Exchange (NYSE) as a consequence of the company’s stock price slumping below $1 for more than a month.
Blend announced on Thursday that it received notice on April 28 from the NYSE that it was not in compliance with the stock exchange’s bylaws, which state that a company could be de-listed if its common stock traded below $1.00 for more than 30 trading days.
Blend has a six-month cure period to comply with the minimum share price requirements. As of market close on Thursday, it was trading at $0.58 a share.
Blend has a chance of meeting compliance if the stock has a closing price of at least $1.00 on the last trading day of calendar month during the six-month cure period, and an average closing share price of at least $1 over the 30 trading-day period ending on the last trading day of that month.
A spokesperson for the company said they are working with the NYSE and are “confident” in their ability to comply with the requirements.
Blend plans to notify NYSE of its intent to cure the deficiency, which may include initiating a reverse stock split, subject to approval by the board of directors and stockholders of the company, according to its 8-K filings.
The spokesperson said that Blend will share a formal update on how it plans to comply with the minimum share price requirements during its Q1 earnings call, which is scheduled for May 9.
“We are focused, we have a sense of urgency, and we are making meaningful progress as we execute against our strategy (…) We will share details about our business momentum and progress on our path to profitability then,” the spokesperson added.
The California mortgage tech firm — now at risk of getting delisted from the NYSE — was off to a promising start when it went public in July 2021.
Blend sold 20 million shares of Class A stock at $19 apiece, raising $360 million. With shares closing at $20.90, Blend had a valuation of around $4.6 billion.
Blend brought on hundreds of clients — including Wells Fargo, First Republic Bank, Mr. Cooper and U.S. Bank. — that ultimately powered about a quarter of mortgages originated during the pandemic years.
To survive the cyclical mortgage business, Blend has been striving to transform its mortgage business-dependent business model to a platform company.
Since 2019, the mortgage tech firm has been expanding into the consumer lending space, but with the Federal Reserve‘s unprecedented series of interest rate hikes, Blend wasn’t immune to financial losses.
In 2022, the firm posted a staggering loss of $796 million and operating expenses in 2022 jumped to $835.8 million from $313.2 million in 2021.