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Epic Ski Pass holders get access to several Epic resorts and partner resorts around the world. Think of it like a membership: Buy it once, use it all winter.

Most participating resorts are in the U.S., but there are also a handful in Canada and Australia plus partner resorts in Europe, Japan and the Canadian Rockies (plus one in the U.S.) that offer limited access to certain pass holders. Depending on when you purchase your pass, you may even get summer lift access, too, which could include lift-accessed mountain bike parks or scenic lift rides.

If you’re planning to ski multiple days this season, the cost of a pass could be much cheaper than paying for daily access. But blackout dates and limits to when you can visit might apply. Make sure your favorite local resort is included in the pass before purchasing.

Where are Epic Pass resorts?

Epic Pass mountains and resorts are located all over the world, with the majority in the U.S.

  • Whistler Blackcomb, British Columbia.

  • Andermatt-Sedrun-Disentis, Switzerland.

Epic Pass costs and options

Epic Pass: $1,025

If you want nearly unlimited access to all Epic Pass resorts with no blackout dates during peak times (usually holidays), the classic Epic Pass is the one for you.

You’ll get unlimited access to most U.S., Canadian and international resorts. But Telluride in Colorado, several Canadian destinations and participating Japanese resorts still come with a cap on how many days in the season you can visit. Since it’s the most inclusive pass option, it’s also the most expensive.

Epic Local Pass: $762

Geared toward U.S. residents who may occasionally travel internationally to ski, the Epic Local Pass offers unlimited access to several resorts across the U.S. and limited days at international resorts. Some U.S. slopes don’t allow visits on peak days, though, so check to see if your favorite mountains come with limitations, especially if you’re planning to travel over the holidays.

Epic Day Pass: Starts at $46 per day

This flexible option allows you to buy a day pass (for one day up to seven) for use whenever it’s convenient. You can choose if you want those days to give you access to all Epic resorts or just a selection and if you want the pass to include peak dates (which costs more). Which you choose will depend on when and where you plan to travel to ski or ride.

Purchasing a pass this way scores you lift tickets at a discount up to 65% off. Epic says that works out to between $46 and $135 per day depending on your selections, meaning you could score yourself a pretty decent discount depending on what resorts you plan to visit.

Military passes: Start at $181

Whether you’re active military, retired military, a dependent or a veteran, there are several discounted passes available with unlimited access to a wide selection of resorts.

Area- and resort-specific passes: Start at $334

For those who don’t plan to travel far to ski or snowboard, there are several resort- or region-specific passes available. For example, the Tahoe Local Pass offers unlimited access to a handful of California resorts, plus extra days at a few destinations in Western states.

The Northeast Value Pass gets you access to slopes in New England, Pennsylvania and the Midwest. Several dedicated resort-specific passes are available, too, if you plan to always ski close to home.

How to use an Epic Pass

To use an Epic Pass, download the My Epic app then scan your phone in lieu of a traditional lift ticket. That means you can skip the ticket line and head straight to the lifts at most resorts (except Telluride, which requires reservations).

The app also will keep track of days skied and any date restrictions associated with the pass you chose.

Other benefits of the Epic Pass

In addition to users getting access to often unlimited lift tickets by purchasing a pass before the season starts, the Epic Pass comes with a slew of other benefits at select resorts:

  • 20% off food at many on-resort dining establishments.

  • 20% off resort lodging.

  • 20% off group ski or snowboard lessons.

  • 20% off rental equipment.

  • 50% off a tune-up and one free wax a year.

  • Discounted single-day lift tickets or Buddy Tickets for friends or family (with select passes).

  • Discounts on transportation and experiences at a handful of locations.

  • Pass coverage: You may be able to get a refund or partial refund if you lose your job, a resort closes or you get injured, thus limiting your ability to use your pass.

Is an Epic Pass worth it?

For many skiers, yes. But it depends on several factors — mainly, how often you’ll be able to use the pass and if it’s convenient for when and where you ski or snowboard.

Here’s what to consider before purchasing:

  • Location. Are any of the resorts near you part of the Epic Pass program? If not, and you’re not planning to travel to any that are, then you probably want to pass on this pass. If, however, your favorite hometown slope is included, and you plan to spend more than a few days layering up and strapping in in search of fresh powder or want to travel for a ski vacation, a pass could likely save you money.

  • Frequency. The more days per season you ski or ride, the more the cost of a pass will be worth it. But even if you plan to ski or ride only a few days throughout the season, a day pass could likely save you quite a bit of cash compared to a full-priced lift ticket, so it’s worth considering, especially if you live near an Epic resort.

  • Blackout dates. Keep in mind, too, whether the pass and included resorts allow you to claim lift tickets on peak days like Thanksgiving and Christmas. If you’re hoping to ski during the holidays, this is extra important.

  • Finances: Don’t go into debt for a season-long ski pass. Whether you choose to pay in full or use Epic’s buy now, pay later option, make sure your finances are in good enough shape for large transactions or automatic withdrawals. If they’re not, stick with saving up and paying on just the days you want to ski.

For the best value, make sure you scan the list of passes available and choose one that makes the most sense for you. There’s no need to spend big bucks on a full-blown Epic Pass if a regional or local pass will suit your needs.

How to maximize your rewards

Source: nerdwallet.com

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The Offer

  • Earn $100 cash back on your Chase Travel purchase when you spend $500 or more, including taxes and after any discounts.

The Fine Print

  • Offer expires 10/31/2024.
  • Offer valid one time only.
  • Offer only valid on purchases made directly at chasetravel.com.
  • Offer valid online only.
  • Offer not valid on purchases made using third-party services or a third-party payment account (e.g., buy now pay later).
  • Complete payment for your Chase Travel purchase must be made by 10/31/2024.

Our Verdict

Less complicated version of the Ultimate Rewards offer we posted about yesterday.

Hat tip to reader Fin

Source: doctorofcredit.com

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Columbia is a South Carolina city full of history, culture, and southern charm. It’s home to a thriving university and provides a range of benefits for locals. 

Whether you’re considering moving to Columbia for work, school, or a new start, there are a few factors to weigh before making your decision. Below, we’ve outlined 11 of the top pros and cons to help you determine if living in Columbia is right for you.

Columbia at a glance

Walk Score: 35 | Bike Score: 35 | Transit Score: 0
Median Sale Price: $264,000 | Average Rent for 1-Bedroom Apartment: $1,063
Columbia neighborhoods | Houses for rent in Columbia | Apartments for rent in Columbia | Homes for sale in Columbia

1. Pro: Home to the University of South Carolina 

Living in Columbia means calling one of the best South Carolina college towns home. The University of South Carolina (USC) is not only a world-class university but also a key player in the city’s economy and culture. From sports to concerts, there’s always something happening on or around campus.

2. Con: Hot and humid summers 

While not one of the hottest cities in the U.S., the city’s summers can be brutal. Temperatures in Columbia often soar into the high 90s, with humidity levels making it feel even hotter. For those unaccustomed to such weather, adjusting to Columbia’s summer heat might be a challenge.

3. Pro: Affordable cost of living 

One of the most attractive aspects of living in Columbia is its affordability. The cost of housing is significantly lower compared to the national median of $434,050. Apartments in Columbia are reasonable as well, going for around $1,196 on average. Whether you’re renting or buying, you’ll likely find more affordable options in Columbia.

4. Con: Lacking public transportation 

Columbia is a car-dependent city, and its public transportation options are limited. The COMET bus system operates throughout the city, but coverage is sparse, and services may not be frequent enough for those relying solely on public transit. If you plan on living in Columbia, owning a car will likely be necessary as walkability varies greatly throughout the city.

5. Pro: Historical attractions 

Columbia is full of history, and residents enjoy visiting landmarks like the South Carolina State House and the Columbia Museum of Art. With a strong sense of Southern heritage, the city provides plenty of opportunities for historical exploration and cultural enrichment.

6. Con: Pollen and allergies 

Spring in Columbia brings beautiful blooms, but also a high pollen count. For those who suffer from allergies, living in Columbia might mean dealing with frequent bouts of congestion and sneezing during the spring and early summer months.

7. Pro: Growing job market 

Columbia has a growing job market, particularly in education, healthcare, and government. With USC, numerous hospitals, and the state government headquartered in the city, there are plenty of employment opportunities. Major companies like BlueCross BlueShield of South Carolina and Michelin also contribute to the job market.

8. Con: Student-focused nightlife

Despite being one of the best college towns in South Carolina, the nightlife in Columbia doesn’t compare to larger South Carolina cities. Many of the city’s late night spots are concentrated around USC’s campus, meaning the selection can be student-oriented. For those seeking a wide variety of nightlife options, the scene here may feel limited.

9. Pro: Stunning natural beauty 

Nature lovers will appreciate the abundance of outdoor spaces in and around Columbia. Riverfront Park and Congaree National Park offer excellent hiking, kayaking, and wildlife observation. You won’t have to travel far from the city to enjoy some of the most beautiful scenery in all of South Carolina.

10. Con: Traffic congestion 

Columbia’s traffic can be frustrating, particularly during rush hour or when major events are happening at USC. The city’s roadways weren’t designed for high volumes of cars, and this can lead to congestion, especially on key routes like I-26 and I-20.

11. Pro: Mild winters 

If you’re tired of harsh winters, Columbia’s mild climate will be a relief. Winter temperatures in the city rarely dip below freezing, making it an ideal place for those who prefer a warmer climate year-round. The lack of snow also means fewer weather-related disruptions.

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com

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The cost to renovate a house can range from $60 to $150 per square foot, depending on scope, size, location and labor. Many popular renovation projects cost under $20,000 for low-end, minor renovations to more than $100,000 for high-end, major renovation project.

High-end renovation costs

High-end renovations make use of the most upscale materials and popular trends. National average prices for major projects in this category can easily fall into the high five-figure or even six-figure range. Here are national average prices for popular high-end major renovations.

High-end bathroom renovation

  • Average renovation cost: $78,840.

  • Project overview: Expansion of existing bathroom within the house’s original footprint and relocation of all fixtures. 

  • Highlights: New shower with body-spray features and a frameless glass enclosure, freestanding tub, high end faucets/fixtures, ceramic tiles, one-piece toilet, spot lighting, heated floors, cabinetry and extended HVAC.

Addition of an upscale bedroom suite

  • Average renovation cost: $339,513.

  • Project overview: Building a 32 x 20-foot bedroom suite with a full bathroom and sitting area. This addition is built over the home’s crawlspace.

  • Highlights: Custom bookcases, built-in storage, walk-in closet/dressing area, fireplace with custom mantle and stone hearth, walk-in shower with dual shower heads and frameless glass enclosure, separate soaker tub, one-piece toilet in partitioned area, two sinks in separate custom vanities and large mirrors, hospitality center with undercounter fridge, bar sink, microwave and custom cabinetry.

Major upscale kitchen renovation

  • Average renovation cost: $158,530.

  • Project overview: Replacing all appliances, countertops, cabinetry, fixtures, flooring and features in an existing 200-square-foot kitchen.

  • Highlights: Custom cabinets with built-in sliding shelves, built-in refrigerator, commercial-grade cooktop and vent hood, wall oven, undermount sink with designer faucets and water filtration system, built-in microwave, stone countertops, ceramic or glass tile backsplash, new lighting and new flooring.

Mid-range renovation costs

Mid-range projects may sometimes be as extensive as high-end renovations, but they use standard materials and fixtures rather than luxury ones. Here are national average costs for some popular mid-range renovations.

Major mid-range bathroom renovation

  • Average renovation cost: $25,251.

  • Project overview: Updating existing 5 x 7 bathroom by replacing existing fixtures, cabinetry, flooring and wall covering.

  • Highlights: Porcelain-on-steel tub with ceramic tile surround and single-lever shower control, standard white toilet, vanity with integral sink, recessed medicine cabinet with lighting vinyl wallpaper and ceramic tile floor.

Addition of a mid-range bedroom suite

  • Average renovation cost: $157,855.

  • Project overview: Building a 24 x 16 suite that includes a bedroom, bathroom and walk-in closet/dressing area. Suite is built over crawlspace.

  • Highlights: Ceramic tile shower and separate freestanding tub, solid-surface countertop with double-bowl sink vanity, carpeted bedroom floor, painting of all nontiled walls, ceiling and trim. Also includes overall and spot lighting and an exhaust fan.

Major mid-range kitchen renovation

  • Average renovation cost: $79,982.

  • Project overview: Replace most appliances, cabinetry, countertops, fixtures, flooring and features in an existing 200-square-foot kitchen.

  • Highlights: Energy-efficient range with vented hood, dishwasher, built-in microwave, dishwasher, custom lighting, garbage disposal, semicustom wood cabinets, 3 x 5-foot island, laminate countertops, stainless steel double sink with single-lever faucet, new flooring, painted walls, ceiling and trim.

Minor mid-range kitchen renovation

  • Average renovation cost: $27,492.

  • Project overview: Update 200-square-foot kitchen without tearing out cabinet boxes.

  • Highlights: Reface cabinets with Shaker-style drawer fronts, panels and hardware; install new laminate countertops, mid-priced sink and faucet. Replace existing appliances with energy-efficient stove, cooktop, and refrigerator. Install new flooring and paint walls, ceiling and trim.

Lower-cost renovation costs

If you’re considering a less extensive renovation, here’s a rough idea of what you might expect to spend on a few popular projects:

  • Bedroom renovation (paint, furniture, closet organization system, etc.): $1,500 to $5,500.

  • Living room renovation (paint, flooring, windows, lighting, etc.): $5,000 to $10,000.

  • Mold remediation: About $2,230.

  • Asbestos remediation: About $1,200 to $3,100.

  • Replacing appliances: $200 to $10,000 per appliance.

Gut renovation costs

Remodeling an entire house costs about $60 to $150 per square foot, and costs are likely higher if you’re working on a historic home. Gutting a house all the way down to the studs typically costs about $100,000 to $650,000.

Accordingly, your total costs for a gut renovation might be:

  • A 1,400-square-foot house at $100 per square foot: $140,000.

  • A 2,700-square foot house at $100 per square foot: $270,000.

  • A 3,500-square-foot house at $150 per square foot: $525,000.

  • A 4,000-square-foot house at $150 per square foot: $600,000.

Can I get financing for a home repair or improvement?

Your contractor may offer some financing options (either through a partner or a payment plan), but there are other — any maybe better — financing options available.

Which financing option is best for me?

The best financing option for you will depend on how much money you need, when you need the money, what project you’re doing and how long you need to pay the money back. If it’s something that’ll add value to your home, a HELOC or home equity loan may be your best option because the value of your house could increase by more than the amount of the loan.

On the flip side, if it’s a less expensive repair, a credit card is probably your best option if you want to pay no interest or earn rewards. Personal loans can apply to both small and large repairs or renovations, and they may make sense if you don’t have much equity in your home.

Regardless of what you choose, make sure you compare interest rates, terms and fees with any financing options you’re considering. This will ensure you get the best deal.

Source: nerdwallet.com

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When people think of Miami, they often picture the vibrant nightlife of South Beach, the art deco architecture, and the buzzing energy of downtown. However, the true essence of living in Miami extends far beyond its bustling urban core. The suburbs of Miami are diverse residential areas that offer a quieter, more relaxed lifestyle while still providing easy access to the city’s world-class amenities. These Miami suburbs, spread across various parts of the metropolitan area, each have their own unique character and appeal, from coastal retreats to peaceful, tree-lined communities.

In this ApartmentGuide article, we’ll explore some of the most notable Miami suburbs—from the waterfront escapes to more serene, suburban environments—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in Miami or curious about the different Miami neighborhoods that surround the Magic City, let’s discover the best places around Miami to call home.

Cost of living in Miami

Before we dive into the top Miami suburbs, let’s cover how much it costs to live in Miami. The overall cost of living in Miami is about 19% higher than the national average. Housing is a significant factor, with the median sale price for a home in Miami at around $600,000, which is above the national average of $432,657. Rent follows a similar trend, with the average rent for a one-bedroom apartment in Miami at approximately $2,731, also higher than the national average of $1,514.

While some suburbs around Miami offer more affordable options, others provide a more luxurious lifestyle at a premium price. Here, we’ll explore a range of top suburbs, each offering different lifestyle and housing opportunities depending on your budget and preferences.

If you’re looking for more specific rental insights, check out our guides on the 12 Most Affordable Neighborhoods in Miami, FL for Renters in 2024 and the 8 Most Expensive Neighborhoods in Miami to Rent in 2024.

1. Coral Gables

Known for: Historic charm, upscale living, and tree-lined streets

Coral Gables, located southwest of downtown Miami, is renowned for its Mediterranean Revival architecture and picturesque streets shaded by lush canopies of trees. Often referred to as “The City Beautiful,” Coral Gables is one of the most prestigious suburbs in Miami, where residents enjoy luxurious homes, manicured gardens, and a serene atmosphere. The suburb’s upscale vibe is reflected in its high-end boutiques, gourmet restaurants, and cultural landmarks like the iconic Venetian Pool and the Biltmore Hotel.

Coral Gables is also home to the University of Miami, adding a dynamic and youthful energy to the area. With a walkable downtown, beautiful parks, and a strong emphasis on preserving its historic roots, Coral Gables offers a blend of classic elegance and modern amenities. Its central location provides easy access to Miami’s vibrant urban core, while maintaining a peaceful, suburban environment.

Population: 49,000
Average rent for a one-bedroom apartment: $3,410
Median home sale price: $1,320,000
Coral Gables transportation scores: Walk Score 56, Bike Score 56, Transit Score 38

Apartments for rent in Coral Gables, FL | Houses for rent in Coral Gables, FL | Homes for sale in Coral Gables, FL

2. Doral

Known for: Business hub, diverse dining, and new developments

Doral, located just west of Miami International Airport, has quickly become one of the fastest-growing and most desirable suburbs in the Miami area. Once known primarily for its industrial parks, Doral has transformed into a thriving residential and business hub. It is home to numerous multinational companies, making it a hotspot for professionals seeking convenient access to both work and Miami’s cultural scene. CityPlace Doral is the heart of this modern community, offering a mix of shopping, dining, and entertainment options in a lively, pedestrian-friendly environment.

Doral also boasts a diverse range of restaurants, parks, and recreational facilities. The housing market in Doral is diverse, with new developments, luxury apartments, and townhomes, making it an attractive option for those seeking a suburban lifestyle with urban conveniences. Its strategic location near major highways also makes commuting throughout Miami a breeze.

Population: 75,000
Average rent for a one-bedroom apartment: $2,553
Median home sale price: $590,000
Doral transportation scores: Walk Score 39, Bike Score 53, Transit Score 35

Apartments for rent in Doral, FL | Houses for rent in Doral, FL | Homes for sale in Doral, FL

3. Pinecrest

Known for: Large lots, suburban tranquility, and a green environment

Pinecrest, located south of downtown Miami, offers one of the most peaceful and spacious suburban environments in the region. Known for its expansive homes set on large lots, Pinecrest provides a slower pace of life that appeals to those seeking both privacy and proximity to nature. The area is famous for its sprawling estates and beautifully maintained gardens, making it one of Miami’s most desirable suburbs for those seeking luxury in a quiet, residential setting.

Pinecrest is home to Pinecrest Gardens, a historic site that has been transformed into a stunning botanical garden and cultural arts park, hosting festivals and community events throughout the year. The suburb also has easy access to green spaces and parks, providing a sense of escape from the busy Miami city life. Pinecrest offers a serene retreat while still being a short drive from the vibrant amenities of the city.

Population: 19,000
Median home sale price: $2,176,000
Pinecrest transportation scores: Walk Score 29, Bike Score 45, Transit Score 33

Apartments for rent in Pinecrest, FL | Houses for rent in Pinecrest, FL | Homes for sale in Pinecrest, FL

4. Kendall

Known for: Suburban convenience, shopping, and accessible transportation

Kendall, located southwest of Miami, offers a suburban lifestyle with all the conveniences of modern living. Known for its abundance of shopping centers, restaurants, and parks, Kendall provides a diverse range of amenities for residents. The area is particularly popular for its proximity to Dadeland Mall, one of the largest and most well-known shopping destinations in South Florida, featuring everything from luxury brands to local retailers.

Kendall’s diverse housing options, including condos, townhomes, and single-family homes, attract a wide range of residents. Its well-connected public transportation system, including access to the Metrorail, makes it a great option for commuters. Kendall offers a balance of suburban tranquility and easy access to the energy of Miami, all at a more affordable price point compared to other areas.

Population: 80,000
Average rent for a one-bedroom apartment: $1,850
Median home sale price: $550,000
Kendall transportation scores: Walk Score 45, Bike Score 46, Transit Score 35

Apartments for rent in Kendall, FL | Houses for rent in Kendall, FL | Homes for sale in Kendall, FL

5. Aventura

Known for: Luxury high-rises, waterfront views, and top-tier shopping

Aventura, located northeast of downtown Miami, is synonymous with luxury living, waterfront views, and upscale shopping. The suburb is home to the iconic Aventura Mall, one of the largest shopping malls in the United States, which attracts visitors from around the world. Residents enjoy the city’s modern high-rise condominiums that offer stunning views of the Intracoastal Waterway and the Atlantic Ocean.

Aventura’s waterfront properties and golf courses provide a resort-like atmosphere, making it a top choice for those looking for a luxurious, relaxed lifestyle. With plenty of parks, marinas, and recreational spaces, Aventura strikes the perfect balance between high-end living and access to outdoor activities.

Population: 38,000
Average rent for a one-bedroom apartment: $2,200
Median home sale price: $565,000
Aventura transportation scores: Walk Score 43, Bike Score 55, Transit Score 46

Apartments for rent in Aventura, FL | Houses for rent in Aventura, FL | Homes for sale in Aventura, FL

6. Miami Lakes

Known for: Lakeside living, community atmosphere, and scenic beauty

Miami Lakes, located northwest of downtown Miami, offers residents a picturesque suburban experience, with its master-planned community that includes tranquil lakes, beautifully landscaped parks, and tree-lined streets. Miami Lakes is known for its strong sense of community, with regular local events and a friendly atmosphere. The town is home to several parks, walking trails, and recreational facilities, offering plenty of outdoor activities for residents.

Shopping and dining options are abundant in Miami Lakes, making it a self-sufficient suburb where residents can enjoy a suburban lifestyle without having to travel far for everyday conveniences. The area’s peaceful environment, combined with its charming architecture and well-maintained green spaces, makes Miami Lakes a desirable suburb for those looking for a scenic retreat.

Population: 30,000
Average rent for a one-bedroom apartment: $2,402
Median home sale price: $792,500
Miami Lakes transportation scores: Walk Score 35, Bike Score 38, Transit Score 28

Apartments for rent in Miami Lakes, FL | Houses for rent in Miami Lakes, FL | Homes for sale in Miami Lakes, FL

7. Homestead

Known for: Affordable housing, agricultural roots, and proximity to nature

Homestead, located about 35 miles south of Miami, offers a more rural, small-town atmosphere with affordable housing and a strong agricultural heritage. Known for its vast farmland and open spaces, Homestead is a gateway to two of Florida’s most treasured national parks: the Everglades and Biscayne National Park. For outdoor enthusiasts, Homestead provides plenty of opportunities for camping, boating, and exploring nature.

The housing market in Homestead is more affordable than many other Miami suburbs, making it an attractive option for first-time homebuyers or those looking for more space. The area’s laid-back lifestyle and close-knit community, coupled with easy access to Miami, make Homestead a unique blend of rural living and suburban convenience.

Population: 80,000
Average rent for a one-bedroom apartment: $1,600
Median home sale price: $430,000
Homestead transportation scores: Walk Score 32, Bike Score 45, Transit Score 25

Apartments for rent in Homestead, FL | Houses for rent in Homestead, FL | Homes for sale in Homestead, FL

8. Cutler Bay

Known for: Coastal proximity, suburban comfort, and outdoor recreation

Cutler Bay, located south of Miami along Biscayne Bay, is a suburban community that offers both coastal living and suburban amenities. The area is well known for Black Point Marina, a popular spot for boating and fishing, and its numerous parks, which provide residents with plenty of recreational opportunities. Cutler Bay offers a laid-back, suburban lifestyle, with a variety of housing options, from single-family homes to waterfront properties.

Cutler Bay’s proximity to both the ocean and urban conveniences makes it an attractive choice for residents who want to enjoy the best of both worlds. The suburb also has a vibrant community atmosphere, with local events, farmers’ markets, and outdoor festivals that bring residents together.

Population: 45,000
Average rent for a one-bedroom apartment: $1,895
Median home sale price: $600,000
Cutler Bay transportation scores: Walk Score 27, Bike Score 47, Transit Score 25

Apartments for rent in Cutler Bay, FL | Houses for rent in Cutler Bay, FL | Homes for sale in Cutler Bay, FL

Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Miami area. Average rent and home sale price data were sourced from Redfin and Rent.com as of September 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from Walk Score.

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Global Entry membership offers low-risk travelers expedited entry through customs when they re-enter the U.S. and access to the TSA PreCheck line. The approval process has two steps: Submit an application and receive conditional approval, then schedule an in-person interview with the U.S. Customs and Border Protection (CBP) for final approval.

The whole process can take up to 24 months if your application requires a manual review, according to the CBP website. You can’t do anything about the wait period for conditional approval, but a service called Global Entry Spotter wants to streamline the in-person scheduling part of the process.

“We know exactly when most enrollment centers will release their appointments,” says Dylan Neff, co-founder of Global Entry Spotter. Once the spotter identifies an open interview slot at your chosen enrollment centers, you’ll receive an immediate notification via email or text message. Then log onto the CBP website and schedule the interview without the hassle of constantly checking for appointment availability.

The service costs $25 for unlimited text notifications for appointment availability at up to three enrollment centers.

I tested out Global Entry Spotter and was pleased with the simple user interface and how quickly I started receiving text notifications for appointment availability. The price point is lower than similar services like TTP Tracker ($30) and Appointment Scanner ($27.99), and you get unlimited notifications for a one-time fee, whereas those services charge you monthly for a limited number of daily notifications.

Features

Global Entry Spotter allows you to receive appointment notifications from up to three of over 170 enrollment centers across the country. You can search for appointment availability on certain days of the week and within a range of future dates that work with your schedule.

The company says that 3 out of 4 users will receive their first alert within 24 hours of registering. In my experience, I registered for notifications from three enrollment centers in Florida and received my first notification within minutes.

In addition to Global Entry, you can also schedule interview appointments for other Trusted Traveler Programs offered by the CBP, including NEXUS, SENTRI and FAST.

Pros of Global Entry Spotter

Unlimited notifications

Unlike similar services that cap the number of notifications you can receive, you’ll get unlimited email or text notifications with Global Entry Spotter. This could be especially valuable if you’re using a broad range of dates for your search, or if you include enrollment centers that have more availability.

Within an hour of registering, I received notifications for appointment availability at each of the enrollment centers I selected.

🤓Nerdy Tip

If you are struggling to find an appointment and have plans to fly through an airport with a Global Entry enrollment center in the next few months, add that airport to your alerts list to increase your odds of snagging an interview time slot.

One-time fee

Global Entry Finder charges a one-time $25 fee for their service. Other similar services charge a monthly fee that you’ll have to pay multiple times if you don’t find an appointment in that first month. Even with alerts, finding an appointment can be a chore in high-demand areas like Charlotte, where there is only one enrollment center. With the one-time fee, you can take your time to find an appointment that works for you.

“If you don’t in the end find an appointment, we’ll give you your money back, no questions asked,” says Neff.

Real-time data

Global Entry Finder offers a real-time look at wait times for individual enrollment centers across the country and converts that into the probability that you’ll find an appointment at different locations. Green dots represent a higher probability, whereas red and orange dots indicate lower probability.

If you’re in one of those tough-to-schedule locations like Charlotte or Chicago, speed will be the key in scheduling an appointment once you receive the alert.

Neff says you might only have 30 seconds to a minute after receiving an alert to secure an appointment slot in one of those low-probability locations.

“It’s hard to do with our service, but it’s impossible to do without our service,” Neff says.

(Screenshot: Global Entry Spotter. Green dots represent a higher probability of getting an appointment, whereas red and orange dots indicate lower probability.)

Drawbacks of Global Entry Spotter

Once you receive an alert, you’ll still need to find and book that appointment on the CBP website. If you’re in a high-demand area and don’t immediately see the alert, you may be shut out from that appointment slot as other people try to reserve it before you. Additionally, the more people that use a service like Global Entry Spotter, the harder it will be for any one person to find an appointment, since more people will be vying for those in-demand slots as soon as they are released.

Should you sign up for Global Entry Spotter?

You should sign up for Global Entry Spotter if you live in or near a high-demand city and are struggling to find an in-person appointment. The cost is reasonable and using the service could dramatically decrease the time you wait for final Global Entry approval.

How to get Global Entry for free

Several popular travel credit cards reimburse you for the application fee for TSA Trusted Traveler Programs like Global Entry and TSA PreCheck. This is usually in the form of a statement credit, where you pay for the fee on your card and get reimbursed automatically.

Here are some of our favorite cards that offer a statement credit for Global Entry:

Cards with TSA benefits

Bank of America® Premium Rewards® credit card

on Bank of America’s website

United℠ Explorer Card

on Chase’s website

Chase Sapphire Reserve®

on Chase’s website

Capital One Venture Rewards Credit Card

Annual fee

$0 intro for the first year, then $95.

Benefit

Statement credit of up to $100 as reimbursement when you charge the application fee for TSA PreCheck or Global Entry to the card. Available once every 4 years.

Statement credit of up to $100 as reimbursement when you charge the application fee for TSA PreCheck, Global Entry or NEXUS to the card. Available once every 4 years.

Statement credit of up to $100 as reimbursement when you charge the application fee for TSA PreCheck, Global Entry or NEXUS to the card. Available once every 4 years.

Statement credit of up to $120 as reimbursement when you charge the application fee for TSA PreCheck or Global Entry to the card. Available once every 4 years.

Learn more

How to maximize your rewards

Source: nerdwallet.com

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The Offer

20k offer | 10k offer (input your info at these links to see if you are targeted)


Chase is offering select customers a bonus when booking travel via Chase Travel:

  • Book your first trip with Chase Travel and get rewarded. Eligible cardmembers can activate this special offer and receive: 20,000 bonus points when purchasing a hotel stay; or 10,000 bonus points when purchasing flights, car rentals, cruises activities and tours.
    • Here’s how: 1) Activate this offer and book your travel by January 31, 2025; 22 Travel by August 31, 2025; 3) Earn your bonus points up to eight weeks following your trip.
      Minimum spend of $500 is required with your eligible credit card. Use your card or points to cover the rest. You’ll still earn your card rewards on top of this special offer when using your eligible credit card to purchase travel. Offer is valid for eligible cardmembers who have not booked with Chase Travel/Ultimate Rewards Travel since August 15, 2022.
  • Book your next trip with Chase Travel and get rewarded. Eligible cardmembers can activate this special offer and receive 10,000 bonus points for purchasing a hotel stay.
    • Here’s how: 1. Activate this offer and book your travel by January 31, 2025; 2. Travel by August 31, 2025; 3. Earn your bonus points up to eight weeks following your trip.
      Minimum spend of $400 is required with your eligible credit card. Use your card or points to cover the rest. You’ll still earn your card rewards on top of this special offer when using your eligible credit card to purchase travel.

Our Verdict

Getting 20,000 Ultimate Rewards points for booking a $500 stay can be an excellent deal. The 10,000/$400 offer is nice as well. A lot of people are having success inputting their card info on the above pages and finding their Chase cards targeted for one of these offers.


Source: doctorofcredit.com

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Named one of the cloudiest, snowiest, and coldest U.S. cities, Anchorage AK, is also one of the prettiest. With the Chugach Mountains in the distance and lots of gorgeous water, Anchorage truly has an abundance of natural beauty. Not to mention, Anchorage was also named one of the most affordable places to live in Alaska! 

However, if you’re not sure where to start your sightseeing journey, don’t worry. We’ve compiled Anchorage’s 10 top beautiful places to check out whether you’ve just signed a lease for your rental home, are looking for an apartment, or have lived in your Anchorage, AK home for several years and many more to come.

1. Tony Knowles Coastal Trail

In no particular order, our first recommendation is the Tony Knowles Coastal Trail. This is one of Agnes Stabinska’s, of travel blog Alaska Itinerary, favorites for a reason. She particularly loves the stunning views of the coastline, Chugach Mountains, and if you’re lucky – Denali in the distance. 

“It’s perfect for walking, biking, and photography, especially around sunset when the light beautifully illuminates the landscape. This 11-mile-long scenic path stretches from downtown Anchorage to Kincaid Park. Along the trail, some of the best viewpoints include Earthquake Park, which offers historical insights and beautiful coastal views, and Point Woronzof, where you can catch stunning sunset views and spot airplanes taking off from the nearby airport,” says Agnes. 

2. The Turnagain Arm

Another great option is The Turnagain Arm located just thirty minutes from downtown Anchorage. Bloggers José Luis Vílchez and Cora Rose of Art We There Yet? love this spot for three main reasons: to “1) Watch surfers ride the bore tide (a unique phenomenon that only happens in a few key places on the globe). 2) Look for eerie stands of dead trees along the Upper Arm. Often called “ghost forests”, these trees died when the land suddenly fell 6-8ft during the historic 1964 earthquake (second largest in recorded history). 3) Drive up Portage Valley Rd and view glacier after glacier clinging to the valley walls.” Their absolute favorite is the 14-mile isthmus trail which is the only stretch of land connecting the Kenai Peninsula to mainland Alaska, so make sure you add that to the top of your list.

Photo courtesy of Art We There Yet?

3. Mount Baldy

Next up, we have Humphrey Hawksley’s favorite place – Mount Baldy. “Matt Worden from Go Hike Alaska led me on the thousand feet climb along well marked trails where you can absorb Alaska’s expanse, beauty and tranquility,” notes Humphrey. “Roaming the ridgeline, you have mountainscape on one side and panoramic scenes across the Eagle River on the other,” he describes. 

Afterwards, Humphrey recommends checking out the Writer’s Block Bookstore and Cafe for a cup of joe, a new read, and some music. As the author of the Rake Ozenna thriller series (set in Alaska), we know his suggestion is foolproof.

4. Potter’s Marsh

“A hidden oasis in Anchorage is Potter’s Marsh, a wildlife viewing boardwalk and bird sanctuary,” says Your Alaskan Adventures’ Deborah Raarup. On this boardwalk stroll, you can expect to see moose, a variety of birds, and even some muskrats year round, as well as swans and their baby cygnets in the spring. 

Additionally, “On a clear day, you can see the beautiful Chugach Mountains to the east and the Turnagain Arm to the west,” tells Deborah. With the abundant wildlife and beautiful backdrop. Potter’s Marsh is truly “one of the best places in Anchorage to get outside on an easy hike to see wildlife.”

Photo courtesy of Your Alaskan Adventures

5. Earthquake Park

Add in a bit of Alaskan history with your nature outing at Earthquake Park. Although a tragic event, this spot commemorates the 1964 earthquake with several signs explaining the effects of the disaster. Beyond your daily history lesson, this park also features incredible trails with the best coastal views and if you’re in luck, gorgeous wildflowers. Don’t forget to stop at the oversation points to take in a grand sight of Cook Inlet and the surrounding mountains.

6. Chugach State Park

It wouldn’t be an Anchorage article without the mention of Chugach State Park! This beloved spot “provides Anchorage residents and visitors with world-class backcountry recreation via numerous trailheads within a half hour drive from the international airport and downtown of Alaska’s largest city,” says Mat Brunton, mountain guide and outdoor educator of Chugach Mountain Institute. 

It’s hard to find a park with more diverse landscapes as Chugach has it all: rugged mountains, glaciers, lush forests, and pristine lakes. Beyond hiking, this park is great for biking, spotting wildlife (moose, bears, eagles, etc.), fishing, camping, snowshoeing, and more. With the beautiful scenery and several activities to enjoy, it’s truly a favorite destination for outdoor lovers of all levels for a reason.

7. Adventure in the backcountry of Anchorage, AK

Looking to explore? The National Center for Outdoor & Adventure Education (NCOAE) offers the best wilderness adventures for both teens and adults. Starting in Anchorage, you’ll travel to McCarthy, settle in, and trek across the Alaskan wilderness to a rendezvous point. 

What next? Great question! At this remote airstrip, a bush plane will pick you up for a journey further into the backcountry – how cool! “During these days, participants hone their outdoor and leadership skills in the heart of the Alaskan wilderness. The landscape and wildlife provide a dramatic backdrop for the learning experience. Participants may encounter moose, lynx, bears, ground squirrels, Dall sheep, and other wildlife during their guided trip. Whatever challenges the Alaskan wilderness presents, you’ll gain the skills to endure and enjoy it with confidence and style. And once your adventure is complete, you’ll be returned safe and sound to Anchorage,” describes brand and business journalist Mikal Belicove.

8. Flattop Mountain

Indigo Alpine Guides owner Jack Bynum’s perfect day includes a hike to Flattop Mountain. An accessible hike for all levels, this mountain is arguably the most climbed in all Alaska. There are several different paths to choose from, so enjoy having a choose-your-own-adventure moment. Before the hike, Jack recommends fueling up at Fire Island Bakery and/or grabbing breakfast at Middleway Cafe. If you’re doing a late afternoon hike, Jack suggests stopping for a bite at Hearth Pizza for a well-deserved slice or two.

9. Ship Creek

For the ideal afternoon activity, take artist Duke Russell’s suggestion and scooter down to ship creek and the public boat launch. This spot “provides beautiful views of the downtown skyline as well as the Chugach Mountains and Government Hill,” describes Duke. Additionally, “When the tide is out, you’ll see many sea birds feeding in the flats along ship creek,” he adds. A scooter ride followed by a scenic view and beautiful birds? What more could you ask for?

10. Lake Hood

Thirsty for water? Alaskan Sights and Bites’ co-owners Dan and Chris Morris absolutely love Lake Hood. As the world’s busiest seaplane bases, it’s the perfect spot to watch the takeoff and land. And with the backdrop of the Chugach Mountains? There’s no better Alaskan experience. It’s also “a great spot to take photos, and get a feel for the adventurous spirit of Alaska — a place we often share with guests on our Alaskan Sights & Bites van tours,” add Dan and Chris.

Darby works as a Content Marketing Coordinator on Redfin’s impressive Content Marketing team. Her experience includes media advertising, graphic design, and a B.A. in business leadership with a concentration in marketing and communication studies. She currently resides in Seattle, WA, and can be found crafting with her friends and sipping on a chai latte at Gasworks Park. Her dream home is either a cream cottage in Madrona, WA, or a brownstone in the West Village.

Source: rent.com

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There is apparently a “home cost crisis,” and a new fintech company called Mesa is looking to solve that.

It’s no secret that home prices are through the roof, and when coupled with much higher mortgage rates and things like skyrocketing homeowners insurance, it can put homeownership out of reach.

Or at the very least, make it a struggle for the average American to keep up. To ease this burden, the company has rolled out a suite of products to make homeownership a little more affordable.

Perhaps ironically, this new company operates out of Austin, Texas, one of the hardest hit housing markets nationwide.

The popular metro has suffered from a glut of housing supply as many remote tech workers packed their bags and moved back to wherever they came from.

What Is Mesa?

Referred to as the “first homeowner membership platform,” Mesa is actually a group of offerings aimed at making homeownership cheaper and more valuable.

This means putting better mortgage deals in front of prospective home buyers and giving them rewards when they make housing-related purchases.

Their first two products are the Mesa Mortgage Marketplace and the Mesa Homeowners Card.

The marketplace appears to operate similar to the Zillow Mortgage Marketplace. Prospective home buyers and existing homeowners looking to refinance can compare lenders in one place.

And aside from maybe scoring a lower rate and/or reduced closing costs, they can earn a portion of the loan amount back in rewards points.

Those who take out a loan via the Marketplace get 1% back in the form of rewards.

For example, a $500,000 loan amount would result in 500,000 rewards points, which would be worth $5,000.

Those points could then be redeemed for things like closing costs on the loan, or for travel, or even reinvested back into the home via an extra mortgage payment.

It’s important to note that Mesa is not a mortgage lender or a mortgage broker, but rather provides advertising for lenders and brokers via the marketplace and earns a fee.

The Mesa Homeowners Card

Their other main product at launch is the “Mesa Homeowners Card,” which they refer to as the first premium credit card designed specifically for homeowners.

We’ve seen other homeowner-centric credit cards in the past, but this one is apparently premium for one reason or another.

Like other cards before it, cardmembers can get rewarded when they use the card to make monthly mortgage payments.

But it goes a step further by offering bonus points on things like HOA fees, utilities, home repairs, and other home-related services like insurance.

Per TechCrunch, you’ll earn 1X when using the card to make mortgage payments, 2X on gas and groceries, and 3X in the home services category.

These points will be eligible for gift card redemptions, mortgage payment redemptions, or transfers to airline & hotel partners.

My understanding is you’ll be able to use the Mesa Homeowners Card to make your mortgage payments, despite credit card issuers commonly not allowing this.

Mesa has partnered with Visa on the deal and has a team that formerly worked at companies like American Express, Capital One, and Bilt, the latter of which wanted to reward customers for paying the mortgage with a credit card.

Bilt currently lets cardholders pay their rent and earn cash back without being subject to a transaction fee.

They had planned to do the same for mortgage payments, but it never came to fruition. Will Mesa succeed where others failed? It remains to be seen, but it has always been a challenge.

Ultimately, mortgage lenders don’t love the idea of homeowners paying the mortgage with a credit card, and for good reason.

So it’s possible Mesa will cut a check or send an ACH if you use their credit card to pay your loan servicer, to ensure payment is accepted.

The Mesa Homeowners Network

Lastly, Mesa has partnered with “brands you love” to provide exclusive discounts and offers.

This might include discounts for memberships at Costco and at other businesses that offer homeowner-centric services.

In addition, the company plans to expand their membership rewards to HELOC originations, home warranty plans, insurance, and other financial products for homeowners. And an app is coming soon as well.

The goal is to make homeownership both more affordable and rewarding by offering discounts and cash back on all related expenses.

Knowing today’s cost pressures go beyond the principal and interest on the mortgage, this could provide some relief to households who are stretched.

For me, the question mark remains whether they’ll be able to let users pay the mortgage with the credit card.

If they’re able to pull that off, it might be worthwhile. If not, you could argue that credit card points earned with other issuers could hypothetically be cashed out and applied toward the mortgage the same way.

For example, I can currently cash out by Chase Ultimate Rewards at a penny apiece and apply extra payments toward my mortgage. But I can’t use my Chase card to pay the mortgage.

So they’ll need something to truly differentiate and add value versus existing options. I’d probably consider it if they let me pay the mortgage each month.

Aside from earning 1% back each month, I’d get a grace period to float the mortgage payment before the payment was due.

The product is currently waitlisted and you can sign up via their website if interested.

Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Latest posts by Colin Robertson (see all)

Source: thetruthaboutmortgage.com

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Considering a move to Richmond? The city has a unique charm that draws people from all over, offering its own set of pros and cons. In this article, we’ll explore the good and the bad of life in Richmond to help you decide if living in Richmond is right you.

Richmond at a glance

Walk Score: 51 | Bike Score: 51
Median Sale Price: $375,000 | Average Rent for 1-Bedroom Apartment: $1,384
Richmond neighborhoods | Houses for rent in Richmond | Apartments for rent in Richmond | Homes for sale in Richmond

1. Pro: Affordable living 

Richmond boasts a relatively affordable cost of living compared to many other East Coast cities. The typical home price is below the national median of $433,229. Apartments in Richmond are reasonable ranging from $$1,300 to $1705 on average. Housing options, from modern homes to historic brick apartments, can be found at reasonable prices. 

2. Con: Traffic and infrastructure 

Traffic in Richmond can be a hassle, especially during rush hour. The city’s older infrastructure struggles to accommodate the volume of vehicles, leading to frequent delays. Public transportation options are limited, leaving many residents reliant on cars.

3. Pro: History and nature

Richmond is full of history and home to numerous museums, historic landmarks, and parks. The James River is a prime spot for outdoor enthusiasts, with kayaking, hiking, and scenic views all within city limits. The city’s proximity to natural attractions offers a perfect escape for weekend adventures.

4. Con: Extreme seasonal weather 

Summers in Richmond are hot and humid while winters are cold and damp. Summer temperatures can feel oppressive, especially for those not used to Southern heat. Winters bring occasional ice storms, which can make driving hazardous.

5. Pro: Stellar food and drinks 

If you’re a foodie, you’ll love Richmond. Local restaurants offer everything from Southern comfort food to international cuisine. The craft beer scene is also thriving, with plenty of breweries peppered throughout the city. Whether you’re chowing down on a Cobra Burger or grabbing a beer at Strangeways, you’ll feel right at home in Richmond.

6. Con: Limited public transportation 

Richmond’s public transit options are minimal, which can be frustrating for those used to more robust city systems. While there is a bus network, it doesn’t cover all areas extensively. Many residents end up relying on personal vehicles, which adds to traffic congestion.

7. Pro: Central location within the state 

Richmond’s location is ideal for travel. It’s only a few hours from friends living in Washington, D.C., the Blue Ridge Mountains, and Virginia Beach. This central spot allows you to explore urban and rural attractions at the drop of a hat.

8. Con: Limited nightlife for young folks

While Richmond does have some nightlife, it may feel lacking for younger people seeking a lively scene. Bars and clubs close earlier than in larger cities, and the entertainment options may feel limited compared to larger Virginia cities.

9. Pro: Tight-knit communities 

Richmond’s neighborhoods often have a small-town feel, with friendly neighbors and active local communities. Many residents take pride in their neighborhoods, hosting regular events and community activities. This sense of immediate belonging can make moving to Richmond feel more welcoming.

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com