Chances are life insurance can provide some kind of benefit to your life. At age 57 you most likely have different priorities than that of a person who is younger, but there is still a valid reason for having a quality insurance policy
When it comes to insurance, there are multiple factors that must be brought into consideration before deciding on a particular type of life insurance.
What Do you Need?
As a 57 year old you are hopefully either already retired or are close to retirement. Additionally, your family most likely isn’t as dependent on you as your children are (hopefully) out of the house. If you have fewer people, or nobody, dependent on your annual salary, you may think that you don’t need life insurance anymore, but this isn’t the only purpose for life insurance. Even if your kids have finally moved out of the basement, you still need protection for your family
Regardless, you probably still have liabilities and most likely still have the desire to provide for your family.
It provides the peace of mind that your family will be cared for in the event of some kind of misfortune.
What are the going rates of life insurance at age 57?
The rates that are quoted depend on a number of factors aside from your health. Most likely though if you are a non-smoker, you have a clean bill of health, you most likely will be eligible for a Preferred Plus rate.
Many life insurance providers will perform a medical exam as well as obtain a history of your medical records before offering final quote.
Sex
10 Year
20 Year
30 Year
Male
Protective – $46.26/month
SBLI – $80.91/month
Transamerica – $180.69/month
Female
Protective – $34.30/month
SBLI – $59.60/month
Transamerica – $126.88/month
At age 57 you hopefully have no medical ailments, but this most likely will not be the case forever. It is easy to fall in the mindset that you will always be healthy, but life happens, and it is not always in pleasant form.
Life insurance comes into play by offsetting these misfortunes and offering peace of mind.
What Type of Insurance Does a 57 Year Old Need?
When you’re over 50, your life insurance needs are very different. There are several kinds of plans still available to you, but not each of them is a good purchase.
In most cases, a term life insurance policy is going to be the best option, because they allow you to decide how much longer you’ll need coverage. There might be a time in the next 10 or 20 years where you no longer need life insurance, which is why term insurance is so handy.
Ads by Money. We may be compensated if you click this ad.Ad
What is Term Life Insurance?
A cheap term life insurance policy is appealing for many ages, but particularly for someone at age 57. In addition to being affordable, it offers a large degree of protection against of number of different scenarios.
Unlike a traditional insurance agent, independent agents don’t just represent one single company, we represent dozens of the most highly rated insurance companies across the United States. Don’t waste time calling all of the companies yourself, we can bring all of the lowest quotes directly to you. Contact our agents or simply fill out the quote form with your information, and you can get the best rates from reputable companies.
Working with an independent agent isn’t the only way that you can get cheap term life insurance. There are several other things that you can do to keep some extra cash in your pocket.
The first is to improve your health and start using that dusty gym membership that you’ve had for years. Unless you choose a no medical exam policy, you’ll be required to complete a short health physical before you are accepted for coverage. The medical exam is going to impact how much you pay for coverage. Put simply, the better health you’re in, the less you pay for life insurance. If you want to save money, cut back on the junk food and start hitting the gym. Your doctor and bank account will both thank you.
Similarly, you’ll need to quit smoking or using chewing tobacco. Being listed as a smoker on your insurance application is going to cause your premiums to double automatically, regardless of how the rest of your health is. If you want to save as much money as possible on your coverage, you’ll need to kick the cigarettes. Smoking is one of the worst things that you can do for your insurance rates.
The last thing you should do is make sure that you’re getting the right amount of coverage. It’s a delicate balance trying to get the perfect amount of coverage, but if you purchase too much life insurance, you’ll be tossing away money. Sure, it’s better to have too much than too little, but it could also mean you’re spending way more on monthly premiums.
Bottom Line
If you are getting standard life insurance quotes over 50 then you will see some wide variance in the premium costs. The key is to work with an agent that knows the market and can shop for the best life insurance for your needs.
One of the worst things that you can do for your family is to not have life insurance. Your loved ones will be responsible for thousands and thousands of dollars of debt, and not have the money they need to pay those bills. It can make a difficult situation that much worse.
You can still find free checking accounts these days if you know where to look, but truly free checking accounts are in short supply at big banks like Wells Fargo and Chase.
So the fact that the Chase Total Checking® makes it relatively easy to waive its $12 monthly maintenance fee counts as a win. At least, if you also appreciate the security of banking with a global financial institution.
Though it’s not perfect, Chase Total Checking brings some other perks to the table, including a nice-sized account opening bonus and no minimum balance requirements. Size it up and see if it’s right for you.
What Is Chase Total Checking?
Chase Total Checking is an everyday checking account. It has a $12 monthly maintenance fee that can be waived when you maintain a minimum balance, receive a qualifying direct deposit, or pay a certain amount in banking fees.
Chase Total Checking comes with a Visa debit card that’s accepted at millions of locations worldwide. It has a user-friendly mobile app that supports mobile check deposit, fast person-to-person transfers, and recurring bill payments. It also waives fees on short-term overdrafts under $50, though larger and longer-term overdrafts still incur fees.
You can open a Chase Total Checking account if you’re an adult U.S. resident, except if you live in Alaska, Hawaii, or Puerto Rico.
What Sets Chase Total Checking Apart?
Chase Total Checking has a few notable features worth calling out early on:
Above-average account opening bonus. Chase Total Checking comes with a $200 account opening bonus that’s very easy to earn. You just need to enroll by the promotion end date and set up direct deposit within 90 days.
No overdraft fees on certain transactions. Chase Total Checking comes with Chase Overdraft Assist, which waives fees on overdrafts under $50 and certain larger overdrafts where the negative balance lasts for no more than one business day.
Multiple ways to waive the monthly fee. Chase Total Checking’s $12 monthly maintenance fee is relatively easy to waive with a $1,500 minimum daily balance or at least $500 in monthly direct deposits.
Above-average mobile app. The Chase mobile app is one of the best in the business. It can do just about anything the desktop dashboard can do, plus accept mobile check deposits.
Key Features of Chase Total Checking
Chase Total Checking is a basic checking account with no minimum deposit or balance requirements, a decent but not huge ATM network, multiple overdraft protection options, and some other features worth noting.
Account Opening Bonus
Earn a $200 account opening bonus when you open your account and set up direct deposit within 90 days of coupon enrollment. You must open your account by July 19, 2023 to qualify.
Minimum Deposit and Balance
Chase Total Checking has no minimum opening deposit or ongoing balance requirements. Chase doesn’t close accounts for balance-related reasons unless they’re negative for an extended period of time.
Monthly Maintenance Fee & Waiver Options
Chase Total Checking has a $12 monthly maintenance fee. Chase waives this fee for at least the first two months after you open your account.
After that, Chase waives the fee in any month where you meet at least one of these waiver requirements:
Receive direct deposits or other qualifying electronic deposits totaling $500 or more
Maintain an average daily balance of $1,500 or more in your Total Checking account
Maintain an average daily balance of $5,000 or more in combined eligible Chase accounts, including your Total Checking account
ATM & Branch Network
Chase has about 15,000 ATMs in its fee-free network. It also has about 5,000 physical bank branches across the United States.
Importantly, Chase doesn’t reimburse out-of-network ATM fees for Total Checking customers. It’s best to avoid out-of-network ATMs with this account.
Overdraft Protection
Chase’s Overdraft Assist program waives the customary overdraft fee for overdrafts that meet either of the following criteria:
Totaling less than $50 at the end of the business day
Totaling more than $50 at the end of the first business day, but the account is brought to within $50 of a zero balance within one business day
For larger overdrafts, Chase offers two optional overdraft protection programs:
Overdraft Protection: Chase transfers the exact amount needed to cover the overdraft from your linked Chase savings account. If you don’t have a Chase savings account or don’t have enough in your linked savings account, this isn’t an option.
Debit Card Coverage: Chase allows transactions that would result in a negative balance to go through. There’s a $34 charge per item for this service (capped at three per day, or $102).
Chase Credit Journey
Chase Credit Journey is a free credit-tracking service that offers on-demand access to your FICO credit score and personalized tips on improving your credit score factors over time.
Possible Account Fees
Other potential Chase Total Checking fees include:
A $3 out-of-network ATM fee within the U.S.
A $5 international ATM fee
A $10 fee for a cashier’s check (bank check)
A 3% foreign exchange fee for international transactions
A fee of $0 to $50 per wire transfer, depending on the direction and destination
Mobile Features
The Chase mobile app has several useful features:
Rapid person-to-person transfers via Zelle, with no Chase user fees
Free mobile check deposit
Free one-time and recurring bill payments
Customizable account balance and transaction alerts
Card locking and unlocking
Advantages
Chase Total Checking’s biggest advantages include an easy-to-earn account opening bonus, no minimum balance requirements, and generous overdraft coverage for certain transactions.
Easy to earn the account opening bonus. Chase Total Checking is one of several Chase accounts with above-average account opening bonuses. Its bonus is especially easy to earn, requiring only that you set up direct deposit within 90 days.
No fees on certain overdrafts. Chase waives overdraft fees on smaller negative balances — down to minus $50. That’s not typical for a big bank and qualifies as a significant advantage.
No minimums. Chase Total Checking has no minimum opening deposit or balance requirements. You can live paycheck to paycheck with this account.
Powerful mobile app. The Chase mobile app can do basically everything your online account portal can, and in more places.
Monthly fee waived for at least the first two months. Chase waives the monthly fee on this account for at least two months from account opening. This gives you time to set up direct deposit or build up a balance that qualifies for a fee waiver later on.
Disadvantages
Chase Total Checking’s drawbacks include a relatively high monthly fee, high fees for overdrafts not covered by its overdraft protection plans, and no interest on balances.
$12 monthly maintenance fee. Though it can be waived without too much trouble, this account’s $12 monthly fee counts as a drawback all the same.
High fees for larger or longer-term overdrafts. Chase charges $34 per item and up to $102 per day for overdrafts not covered by its complimentary overdraft protection plans. This is on the high side for a U.S.-based bank.
No interest on balances. Chase Total Checking is not a high-interest checking account. In fact, it pays no interest at all. If you’re looking to grow your day-to-day spending balance, look elsewhere.
Relatively small ATM network. Chase has about 15,000 ATMs in its fee-free network. That’s significantly less than competing banks that belong to bigger networks like Allpoint and MoneyPass, which have tens of thousands of machines.
How Chase Total Checking Stacks Up
Chase advertises Total Checking as an account for everyday banking needs, and it certainly holds up its end of the bargain. But it’s not the only bank account that meets this description. Before you apply, compare it against another popular option with few frills: BMO Harris Smart Money.
Chase Total Checking
BMO Harris Smart Money
Monthly Maintenance Fee
$12, but can be waived
$5, limited waiver only
Waiver Options
Direct deposit or balance minimums
Only if you’re under age 25
Overdraft Fee
$0 for overdrafts under $50, otherwise $34 per item
$0, but BMO declines most overdrafts
ATM Fee Reimbursement
None
None
Interest on Balances
None
None
Final Word
Chase Total Checking® is a full-service checking account, but it’s not exactly fancy. With no interest or rewards and few benefits beyond the basics — overdraft protection and fee-free in-network ATM withdrawals, for example — it can’t stand up to more generous options.
But those options tend to have higher monthly fees and make it more difficult to waive them. By contrast, Chase Total Checking has multiple waiver options within reach of the average account holder, in particular the $500 monthly direct deposit requirement. And Chase waives the monthly maintenance fee for the first two months no matter what.
All in all, Chase Total Checking is a well-rounded bank account that’s better than many competitors. Maybe good enough to be the bank account you open next.
The Verdict
Our rating
Chase Total Checking®
Chase Total Checking® is a basic checking account with an easy-to-attain account opening bonus and a powerful mobile app. While it has no yield and lacks any real rewards for users, it does have customer-friendly features like no minimums, fee-free overdraft coverage for certain transactions, and free credit-tracking tools. Overall, it’s worth a look if you don’t need anything fancy from your bank account and can consistently get the monthly fee waived.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
@media (max-width: 1200px)
body .ns-buttons.ns-inline .ns-button-icon width: 100%; .ns-inline .ns-button –ns-button-color: #000000;
Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he’s not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.
Pennsylvania is a state that is overtly rich in history and culture, and it offers a wide variety of living options for its renters and their individual tastes. From bustling cities to quiet communities, there is no shortage of great places to call home in the Keystone State. We’ve narrowed down our top picks of where to live in Pennsylvania, sure to please renters looking for their dream homes.
Population: 50,135
Median household income: $44,444
One-bedroom average rent: $1,250
Two-bedroom average rent: $1,485
Harrisburg is the capital city of the state of Pennsylvania, full of rich history, vibrant arts and culture scene and outdoor attractions. Fortunately, it’s also one of the best places to live in Pennsylvania.
The city played an important role in the American Civil War, serving as a major transportation hub for troops and supplies. Residents can explore this history at the National Civil War Museum or take a stroll through the historic district to see some of the city’s 19th-century architecture.
In terms of outdoor attractions, The Susquehanna River is a popular spot for kayaking, fishing and other activities, and there are plenty of parks and green spaces to explore. Additionally, the city is home to a thriving arts scene, with galleries, theaters and performance spaces showcasing everything from classical music to contemporary art.
Top apartments in Harrisburg:
Population: 57,503
Median household income: $54,145
One-bedroom average rent: $1,495
Two-bedroom average rent: $1,750
Lancaster is a charming city in the heart of Pennsylvania Dutch country, known for its rich history, beautiful countryside and food. One of the most well-known features of Lancaster is the Amish community. You can take a guided tour of the Amish countryside to see their traditional way of life, including horse-drawn buggies, farmhouses and beautiful landscapes. You can also sample homemade jams, jellies and other Amish treats.
The city also has a quaint downtown area with various shops, restaurants, historic homes and attractions. You can visit the Central Market, which is the oldest continuously operating farmers market in the country, or check out the Fulton Theatre, which hosts a variety of plays throughout the year.
Top apartments in Lancaster:
Population: 1,699,000
Median household income: $54,306
One-bedroom average rent: $1.402
Two-bedroom average rent: $1,699
Pittsburgh is a sports-centric city located in western Pennsylvania. It’s known for its influential steel industry, bridges and sports teams. Pittsburgh has an intense sports culture, even when compared to other PA cities. The city has a long history of successful sports teams, including the Pittsburgh Steelers football team and the Pittsburgh Penguins hockey team.
The city is also known for its history and architecture. Once a hub for the steel industry, Pittsburgh is full of many old factories and mills throughout the city. If you’re interested in arts and culture, there are plenty of museums and galleries to explore in Pittsburgh as well. The Andy Warhol Museum, for example, showcases the life and work of the famous artist who was born in the city.
Top apartments in Pittsburgh:
Population: 95,331
Median household income: $38,738
One-bedroom average rent: $1,526
Two-bedroom average rent: $1,630
Reading is a diverse city with a mix of urban and suburban areas. It’s home to various colleges and universities, including Alvernia University and Reading Area Community College. The city also has a booming arts and culture scene, with several theaters and galleries showcasing local talent.
Reading has a rich history, particularly in the industrial and railroad industries. In the late 1800s and early 1900s, the city was a major center for iron and steel production, and many of the historic buildings in downtown Reading were built during this time. In fact, the city’s nickname is “The Pretzel City” due to its history as a center of pretzel production.
Top apartments in Reading:
Population: 95,331
Median household income: $44,161
One-bedroom average rent: $1,412
Two-bedroom average rent: $1,400
If you’re a fan of “The Office,” you might already know a bit about Scranton, as the popular TV show was set there. Scranton has a rich history in relation to the coal mining industry and still has remnants of that heritage today. The Lackawanna Coal Mine Tour is a popular attraction where you can explore an actual coal mine and learn about the city’s coal mining history.
When it comes to food, Scranton offers a mix of culinary cuisine. You can find everything from traditional Pennsylvania Dutch dishes to modern American favorites. The city is particularly known for its pizza and hoagies, and you’ll find numerous local establishments serving up delicious versions of these classic favorites.
Top apartments in Scranton:
Population: 5,756,000
Median household income: $52,649
One-bedroom average rent: $1,812
Two-bedroom average rent: $2,117
The heart of Pennslyvania comes alive in the bustling city of Philadelphia. A shoo-in for any best places to live in Pennsylvania list, this city is a vibrant neighborhood with a mix of residential and commercial spaces. Here, you’ll find high-rise apartment buildings, condominiums and lofts. Residents are within walking distance of many cultural attractions, restaurants, shops and work opportunities.
Philadelphia is known for its rich history, world-class museums, vibrant arts scene and sports culture. In short, it’s where to live in Pennsylvania if you’re an Eagles or Phillies fan! From the Liberty Bell and Independence Hall to the Philadelphia Museum of Art and the Philadelphia Orchestra, there’s no shortage of cultural experiences for renters to enjoy.
Top apartments in Philadelphia:
Population: 44,968
Median household income: $46,050
One-bedroom average rent: $1,242
Two-bedroom average rent: $1,433
Located in the southern part of the state, York is an affordable city with quaint neighborhoods. York has deep historical significance as it was the temporary capital of the United States during the American Revolution when the Continental Congress met here. It’s also the birthplace of the Articles of Confederation, the first written constitution of the United States.
If you’re into a mix of historic and modern influence, Downtown York is the perfect spot. Residents have access to cool apartments with lots of character surrounded by local shops and restaurants to explore. Access to transportation is great as well with the Rabbit Transit buses to help get around the city and connect to nearby areas.
Top apartments in York:
Population: 777,000
Median household income: $47,703
One-bedroom average rent: $1,741
Two-bedroom average rent: $1,735
Allentown is known for its diverse and vibrant culture, making it a natural pick for any best places to live in Pennsylvania list. The city is home to a blend of different ethnicities, which is reflected in its festivals, cuisine and community events. Allentown offers a thriving arts and entertainment scene. The Allentown Art Museum and the Civic Theatre of Allentown, are just two places residents can enjoy entertainment and expand horizons.
Nature lovers will appreciate the parks and outdoor spaces Allentown offers. Lehigh Parkway, a scenic park along the Lehigh River, offers walking trails, picnic areas and opportunities for fishing and kayaking. The Trexler Nature Preserve, just outside of Allentown, provides even more opportunities for hiking and wildlife observation.
Top apartments in Allentown:
Population: 94,571
Median household income: $40,201
One-bedroom average rent: $1,192
Two-bedroom average rent: $1,430
Erie is a haven for outdoor enthusiasts. One of the biggest and most well-known draws of Erie is its stunning natural beauty through spots like Lake Erie. In addition to Presque Isle State Park, there are plenty of opportunities for hiking, camping and exploring nature in the surrounding area.
The city area, downtown Erie, offers a mix of commercial, residential and cultural attractions for residents to enjoy. State Street serves as the main thoroughfare, lined with shops, restaurants and businesses. Downtown is home to historic buildings, including the ornate Warner Theatre, which hosts a variety of performances and events.
Top apartments in Erie:
Create your own history in Pennsylvania
Pennsylvania is a state that truly showcases its rich history and diverse culture, providing renters with a multitude of living options to suit their individual preferences. Now the only question is, where to live in Pennsylvania.
With our top picks of cities and apartments, renters can confidently embark on their search for their dream homes, knowing that Pennsylvania has something to offer everyone. Start your search today!
Six of the highest-selling prescription medications in the United States will be “off-patent” before the end of 2012. The costs associated with those currently pricey meds will drop faster than the Dow on a bad day.
Here’s one example: The generic form of Lipitor might cost as little as $10 per month, compared to the $150 it can cost now. Yowza!
It’s a very big deal even if you have health insurance. The average co-pay for a generic formula in the U.S. is $6, as opposed to $24 for non-generics with “preferred status” and $35 for non-preferred brand. That doesn’t help much if you use a medication not afforded rock-star status by your insurer — or, worse, if you can’t afford insurance.
As welcome as these new generic formulas will be, you needn’t wait around for prices to tumble. There’s more than one way to cut the cost of medications.
Start With the Cheap Stuff
Plenty of generics already exist. Doctors sometimes prescribe the designer drugs out of habit, but maybe 10 days’ worth of penicillin would vanquish that upper-respiratory infection just as well as a pricier antibiotic. Speak up, already: Explain that you’re on a tight budget and in the market for a just-as-good-but-cheaper formula.
Taking maintenance meds? You can pay as little as $4 for a month’s worth of pills at places like Target, Wal-Mart and Safeway. Visit store websites to find which drugs are available, then ask your doctor which ones will work for what ails you.
Note that while generics generally perform as well as the pricier pills, a few of them might not. If your doctor is adamant about your staying with the name-brand stuff, there might be a good reason. Of course, it wouldn’t hurt to seek a second opinion.
Walgreens has a “Prescription Savings Club” whose $35 annual fee gets you and your immediate family discounts on more than 8,000 different meds. Of those, more than 400 generics are available for $12 for a 90-day supply.
Once you’ve gotten a prescription established, either by bringing it in or having your doctor phone/fax it in, you can refill over the phone or online. The store might even offer free shipping. Ask.
And speaking of the Internet: Sites like Drugstore.com sell prescription medications, as do online pharmacies such as Caremark and Medco Health Solutions Inc.
Caution: The National Association of Boards of Pharmacy recently issued a public health alert about fake online pharmacies, noting that 96% did not comply with U.S. pharmacy laws. The organization recommends buying only from verified internet pharmacy practice sites.
Drugs that Are Free
You might not have to pay for meds at all. Once that strep throat is diagnosed, ask if the doc has any drug samples. Pharmaceutical reps drop off boxes of free meds along with those fabulous calendars, pens and tote bags. Your doctor might reserve these drugs for desperately broke patients — but maybe that’s you. It can’t hurt to ask.
Tip: Some drugs, such as prenatal vitamins and certain antibiotics, are free at Top Foods, Meijer and Publix supermarkets.
If you’re living on a very low income, you might qualify for free medications through patient assistance programs offered by most pharmaceutical companies. Groups such as NeedyMeds, the Partnership for Prescription Assistance, the Chronic Disease Fund and HealthFinder.gov can tell you more.
Several drug companies also joined forces to create the Together Rx Access Program, designed for people under the age of 65 who have no prescription drug coverage. This free, income-based program makes it possible to save 25% to 40% on more than 300 medicines and medical products, and is accepted in most major pharmacies in the United States and Puerto Rico.
Using Less, Buying Big
If the subject is painkillers, you might not need the 20-count dose on the prescription. Ask if you can fill only a few tablets’ worth at a time. Use good judgment on this one, obviously, but I’ve filled pain prescriptions in the past and used only one or two tabs. Infuriating.
You can cut the price of certain meds in half quite literally, by splitting the pills. For example, if you have a 10-mg drug prescription request a 20-mg tablet (the cost is often about the same) and then use a pill splitter to halve the dose. The gadget can be had for as little as $3 on Amazon.com, which means it’ll probably pay for itself the first time you use it.
Caution: Do not cut pills with a paring knife. The dose has to be exact, not almost half. Spring for the pill-splitter now or for an ambulance co-pay later. Your choice.
Again, splitting works only on certain medications.
Or what about bulk discounts? No, you won’t be asking for 50 pounds of Percodan — you’ll be using the power of group buying by getting your meds at Costco or Sam’s Club. You don’t need to be a member to use the pharmacies in those warehouse clubs.
Make ’em Beg
Pharmacies now bid for your business the way travel agencies and insurance companies do. In his new book, Living Large in Lean Times: 250+ Ways to Buy Smarter, Spend Smarter and Save Money, frugal dude Clark Howard suggests a service called BidRx.com. You register and post the drug you need, and independent pharmacies will instantly throw bids at you.
The site is free but you need a referral code to register. The author has his own code, clark, but stresses that he receives zero compensation. BidRx simply set it up after Howard’s mention of the site caused a leap in business.
Brick-and-mortar pharmacies often lure us with gift cards cards for new or transferred prescriptions. Any time you see such offers, clip them out and put them in your wallet. When your spouse gets bronchitis or your daughter breaks her arm during hockey practice, head for the pharmacy with the best signing bonus.
Obviously it’s important to tell the new place about any other meds being taken. One would hope the pharmacist would ask, but maybe s/he won’t. I’ve dropped off ‘scripts and been asked only if I were allergic to any medications, not whether I was on another pill that would clash with the new meds. That’s why some people don’t think it’s safe to hop from pharmacy to pharmacy.
If this makes you uncomfortable, then don’t do it. But back when my health insurance didn’t include discounted drugs, I filled and transferred prescriptions whenever I could get a gift card. It was a nice budget-booster, whether I used the cards for groceries or gewgaws.
Here’s my favorite example. Before a minor health procedure I needed to get two tablets of a tranquilizer (pre-surgery) and an antibiotic (post-procedure). Both were generic and therefore super-cheap, and they earned me a $10 from Target and a $20 gift card from Walgreens. I used part of the Walgreens card for a special offer: Buy four 12-packs of Diet Pepsi for $10 and then get a $10 rebate.
At that time I happened to have coupons for two free 12-packs, which I’d received after calling Pepsi to complain about the tabs snapping off some cans of soda. Thus I wound up paying just $5 for the soft drinks but still getting the $10 rebate.
And in fact, I didn’t even pay the $5. I had the gift card, remember?
Please refer to me by my Latin name, illegitimus frugalis. And yes, I know that diet soda isn’t good for me. But I didn’t care — I was on Valium!
Inside: Learn how much your 80k salary is hourly. Plus find tips to make more money and live the lifestyle you want.
Retirement can be a scary word to those who are not wealthy or afraid of having too much time on their hands.
People in the workforce often don’t know what they will do when their retirement comes around, but it doesn’t have to be that way after all.
For most retirees, there are many reasons they want to work after retirement. And that is 100% okay!
Low stress jobs after retirement make for great part-time careers while still providing enough flexibility to enjoy your personal life. Plus a little extra money is always helpful!
While there is no one “right” answer on which job for you, we compiled a list of 30 great options to consider. All of these jobs offer relatively low stress levels and plenty of opportunities for relaxation and enjoyment.
But before you jump on the first one that comes along, you want to consider which will work best and help ease your transition into the world of retirement.
When you retire, you want to find a job that is low stress and enjoyable. That’s why finding a good retirement job is so important!
The benefits of having a low stress job after retirement
After years of hard work, retirement is a time to relax and enjoy life.
However, for some retirees, working part-time or as a side job can provide additional earnings and a sense of purpose. The following jobs are perfect for seniors over 55, or those post-retirement. They have lower stress levels than the average job and offer many opportunities for growth.
Many retirees below starting a second career after retirement would be difficult and are looking for a job that has fewer strings attached. This may be due to the fact that many retirees feel they have reached the pinnacle of their careers and want more time freedom.
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.
Fortunately, there are many available jobs with increasing demand and most even have lower stress levels than average.
Retirement is a good time to consider additional earnings. This can provide a stream of money for people who want to enjoy life longer and need an additional income. In addition, working can help retirees stay mentally and physically healthy.
Jobs to Do after Retirement
The list is composed of jobs that are perfect for seniors over 55, or even post-retirement. They have lower stress levels than the average job and offer many opportunities for growth.
Some retirees prefer to work part time or as a side job; others want to find a full-time position that will keep them busy and engaged in their community. Whatever your preference, know that there are plenty of great options out there!
Retiring means starting a new life, so it is important to consider this change as the beginning of a new life and not the end of an old one.
So go ahead and take the plunge into retirement! It’s a new beginning full of endless possibilities.
There are plenty of good jobs for retirees!
What are fun jobs after retirement?
There are many fun retirement jobs that pay a small fortune! And what your personality prefers!
Some people choose to continue working in the same field, but in a more relaxed or part-time capacity. Other people choose to use their retirement to try something new and exciting, such as starting their own business, traveling, or taking up a new hobby.
What can I do after retirement to make money?
Now that you’re retired, you may be looking for ways to make some extra money. Luckily, there are plenty of options to make money in retirement available to you!
You could start a business, become a consultant, or tutor students. In addition, you could also look into working from home opportunities or start a blog.
Maybe you want one of the best part time jobs in retirement.
Whatever you choose, make sure you do your research and find something you enjoy so you don’t get bored!
Tips to Making Money in Retirement
The best fun jobs after retirement include working at a theme park, house sitting permanently on a beach or something crazy you never dreamed yourself to do!
One great way to make some money is by selling your skills and experience. For example, interior decorating is a low-stress field that often requires past experience. Alternatively, you could become a real estate agent. Both of these opportunities allow you to use the skills and knowledge you’ve acquired over the years.
Another great option for retirees is to take advantage of the growing gig economy. There are a host of jobs available through online platforms like Uber or Lyft that don’t require a lot of physical activity or travel time. Plus, they typically offer higher pay rates than traditional employment opportunities.
If you’re looking for something a little more relaxing, consider joining one of the many survey sites out there. These sites reward you with a small amount of money for each survey you complete. It may not be much, but it can add up over time!
Finally, if you’re looking for an easy way to make some money, consider something easy like greeting people. This is a great option because it’s so easy and doesn’t require any special skills or knowledge.
Which job is stress free and high paying?
There is no such job that is stress free and high paying. All jobs have their own unique stressors and rewards. It is important to find a job that is rewarding to you and that you find manageable levels of stress.
There are many jobs that are considered “stress free” after retirement.
For example, many seniors are now looking into jobs such as being a consultant or working in customer service. These positions offer a more relaxed work schedule and usually don’t require extensive training.
In addition, the amount of money one earns from a job is directly related to how much work one put into it. If you’re willing to put in the extra effort, you can make significantly more money than those who don’t.
Really Focused on less stress?
Many seniors are also looking for jobs that don’t involve stress or concern. Proofreading is one such position that meets these qualifications. The job requires native-level English proficiency and an excellent understanding of grammar to succeed. In order to be successful in this field, you have to proofread documents that contain no grammatical errors, punctuation mistakes, or syntactic flubs.
You need to find a job that feeds your soul and doesn’t seem like work.
Plus it is fun to tell others what do you do for a living.
Best low stress jobs after retirement
Some people want to use their retirement as a vehicle to start their side hustle and be more relaxed than they were during work hours. This is a great way to spend your retirement! Most cool retirement jobs require little-to-no experience, but some do.
At the end of the day, you must decide if you want to work for yourself and start your own company with a higher earning potential. Or work for someone else with less strings attached and lower pay.
In many cases, you might be stuck working because you didn’t save for retirement, so here are a few jobs that are perfect for seniors over 55 years old, or even after retirement:
1. Freelance writing
Freelance writing can be a good source of income when one has the skills and experience to do so. The best part? You get to set your own hours and take on as much or as little work as you want!
This may not sound like a low-stress job at first, but it’s actually an excellent low-stress job! Being your own boss offers incredible benefits. Best of all, you can do it in a completely stress-free environment by deciding in advance exactly how many hours you want to work.
In fact, my friend over at More Time to Travel does freelance writing for Forbes.
Freelance writing is a great way to make money from home. Be sure to have a strong portfolio and excellent writing skills to land quality freelance writing jobs. Here is a great freelance writing course.
2. Tour guide
This is perfect for someone who loves people and to discuss their worldly knowledge.
A tour guide is someone who accompanies tourists and provides information about the areas they are visiting. They are usually seniors because no special certifications or degrees are required. However, it can be a fun job for anyone who loves meeting people and has a lot of knowledge about their area. Some tour guide jobs offer tips and the opportunity to travel.
A good tour guide will have a deep knowledge of the areas they are touring and will be able to answer any questions the tourists may have. Plus cash tips are always a perk!
3. House Sitter
You can house sit for someone you know, or use a site like Mind My House to find paying gigs. Rates vary depending on the city, but typically you can expect to earn $25-50/day as a house sitter.
It allows you to live in new places without having to commit to long-term leases, and it gives you an opportunity to meet new people and explore new neighborhoods. Plus, it’s a great way to make some extra money on the side as well as lowering your monthly expenses!
If this is something you are seriously considering, then check out this book to learn how to housesit from an expert.
4. Librarian
Librarians are responsible for organizing and managing library collections, helping patrons find information and materials, and providing instruction on how to use library resources. They typically work regular hours in a library setting, and their work is relatively active.
They also need excellent research skills and the ability to stay up-to-date on new technologies.
However, job prospects are good to work in this quiet environment.
5. Customer Service Representative
Jobs in customer service usually don’t require a lot of experience or special training, so they can be a great way to ease into retirement. And since most customer service positions are in the service industry, you’ll likely get to meet new people and help them solve problems every day.
They may work in call centers, retail stores, banks, or insurance companies. In some cases, they may also work remotely from their homes. Customer service reps typically need strong communication and problem-solving skills, as well as the ability to stay calm under pressure.
6. Craft seller
Many people don’t have time for their crafts like they wanted when working full-time and raising kids. So, retirement is a perfect time to become an artisans who make and sell their own products.
You can set your own hours, work from home and sell whatever you like. There are many online marketplaces that cater to craft sellers, so you can find a platform that fits your style and interests. In addition, you can attend craft fairs and other events to sell their work in person.
Make sure to price your items competitively and take the time to create an attractive product listing. Plus ship quickly and provide excellent customer service to keep buyers coming back for more!
7. Crossing Guard
It only requires a few hours of work per day, and the pay is decent around $15 an hour.
The job does not require any special skills or training, so it is an ideal way to spend your golden years. Plus you can keep youthful by staying around all of the school-aged children.
8. Blogging
This is a form of expression for most retirees or those thinking about retiring.
It can be a low stress job after retirement, as you can do it from the comfort of your own home and set your own schedule. You don’t need any special qualifications or training to start blogging – all you need is a computer, an internet connection, and something to write about.
Blogging is a great way to create fresh, new content on a regular basis for your website. In fact, my friend over at Tuppennys Fireplace uses blogging to drive extra money to their retirement budget each month.
You can sell advertising space on your blog, use affiliate marketing to promote products and services, or even launch your own product or service. The sky’s the limit when it comes to making money from blogging – so if you have something interesting to say, go for it!
9. Elder Care Services
Services can range from in-home help to full-time nursing care, and each has its own benefits and drawbacks.
While this may seem odd as a low stress job in retirement, it is a good reminder that you are still youthful in others’ eyes.
These may be simple jobs such as picking up groceries, light cleaning, cooking meals, or companionship during the day. Given the cost of nursing homes and certified nursing assistance, this is an affordable option for families who want extra eyes on their loved ones.
10. Private Island Caretaker
Okay, this is the one I want!
If you are reading this and need a caretaker, I am happy to be the right person for your estate.
A lot of caretaker jobs are in private areas, such as private islands, ski resorts, large estates, and other remote or private areas. This is often because employers need someone they can trust to be on-site full time and take care of things.1) Private Island Caretaker
Caretaker jobs are a great way for retirees to stay engaged and active in their golden years. They can provide a sense of purpose and routine, as well as an opportunity to explore new places and meet new people.
11. Docent or Usher
One low-stress job that retirees can consider is becoming an usher at their local theater or sporting area. This job does not require much training and typically pays minimum wage, but it can be a great way to meet people and see new shows and watch sports.
A docent is someone who has expert knowledge about a certain subject and can teach people about it through guided tours and lectures. They are often found in museums, art galleries, and other places where people can learn about the arts.
For many retirees, these are the perfect jobs to get paid for enjoying their hobbies and events they didn’t have time to see when working full-time.
12. Work at Disney
Jobs at Disney parks can be both fun and challenging, with plenty of opportunities to make new friends and help guests have a great time. You’ll need to be able to work hard and stay cheerful under pressure, but the rewards are many.
If you’re interested in working at one of the happiest places on earth, visit the Walt Disney Company website to learn more about current openings and how to apply.
Perfect for the retiree to stay youthful!
13. Invest in Various Intiatvies through Crowdfunding
When it comes to investments, there are many options to choose from that can fit any personality type.
Crowdfunding was created to help more people invest in various businesses by pooling resources together. This makes it more affordable and less risky for everyone involved.
For many retirees, this is a great way to impact start-up businesses and maybe even have a great ROI on their money.
14. Tutoring
Tutoring can help students learn in a one-on-one environment, and help them to focus on the material. Tutoring can also help build a student’s confidence, and help them to ask questions they may be too embarrassed to ask in a classroom setting.
It’s a great way to help students who are struggling and give them the support they need to succeed. You also get the satisfaction of knowing that you’re helping young people achieve their goals. Tutoring can be done in person or online, so it’s a flexible job that you can fit around your schedule.
In today’s society, there are plenty of opportunities to help students achieve faster with tutoring. Most tutors are paid at least $30 an hour.
15. Virtual assistant
There are many low stress jobs that can be found online and Virtual Assistants are one of those jobs.
A virtual assistant is a professional who provides administrative, technical, or creative assistance to clients from a remote location. Often, virtual assistants work for multiple clients simultaneously, providing a wide range of services including social media management, email management, bookkeeping, and more.
They provide a service to their client through the internet and This is a great way for someone with retirement to start making money fast because most VAs make between $35 and $50 an hour.
Take free training for becoming a virtual assistant!
16. Personal shopper
A personal shopper may work in a store, helping customers find what they need, or they may work remotely for a customer who gives them a list of items to purchase. Either way, personal shoppers usually charge by the hour.
It also pays well, especially if you work for a high-end retailer. And since you’re working with customers one-on-one, this is a great job for someone who enjoys helping others. Perfect for a retiree to get out and about.
17. Personal organizer
They may work with individuals or groups, in both business and personal settings. Personal organizers usually have excellent time management skills, as well as a thorough understanding of the principles of organization.
This type of position is great to keep you moving as well as help others.
18. Animal shelter worker
They may feed, groom, and exercise the animals, as well as administer medication and vaccinations. They also clean cages and kennels, and may handle adoptions. The work can be physically demanding, but it is also very rewarding to help homeless animals find new homes.
For someone who loves animals, this is a perfect opportunity to make money and help neglected animals.
19. Book store assistant
The work is relatively easy, and there are usually no major deadlines to worry about. Plus, bookstores are typically quiet and calming environments, which can be a nice break from the hustle and bustle of everyday life.
If you’re looking for a relaxed job after retirement, this could be it!
20. Photographer
Some people take up photography as a hobby, some as an art form, and some as a profession. The beauty of photography is that it can be whatever you want it to be. There are so many different types of photography, based on your taste and choice you can choose which area to focus on first.
In addition, photography is a great low stress job after retirement!
It can be done freelance to supplement your income or on a full-time basis. There are many opportunities for photographers, and the work is generally enjoyable.
21. Life coach
After retirement, there are many low stress jobs that a person can take on. One such option is becoming a life coach.
This job involves helping people work through their problems and achieve their goals.
By becoming a mentor for the next generation, you are able to have a lasting impact and legacy. This allows you to share your wisdom and knowledge while also helping someone else in their career path.
As a life coach, it’s important to be a good listener and have strong communication skills. Additionally, new graduates might be able to offer you fresh perspectives on life that you may not have considered before. It’s easy to become a mentor to coworkers or people in your field; all it takes is some time and effort.
22. Consultant
Consulting is a broad term used to describe an area of work. It encompasses a wide range of activities and can be done by anyone with the appropriate skills and experience.
Many retirees choose to focus on the areas they enjoyed at work and avoid stressful parts, becoming consultants in those fields.
Often, retirees are a great resource for companies looking for short-term or project-based work. If you let your network know that you are available for consulting opportunities, they may be more likely to reach out to you when they have a need. Additionally, the average consultant salary is between $50 and $150 per hour, depending on experience level.
23. Walmart Greeter
Greeters welcome customers, help them find what they need, and provide general information about the store. They may also monitor security cameras and alarms in the store. The position requires little training, and most Walmart greeters are given on-the-job training.
However, greeters must be able to handle stress well, as they are often the first point of contact for customers who are angry or upset. The position also requires being able to work weekends and holidays.
24. Dog walker
Dog walking is a great job for people who love dogs and want to make a difference in the lives of animals. It is also perfect for retirees who want to stay busy and have flexible hours. The work can be enjoyable and rewarding, and it is a low-stress profession.
Dog walkers are typically paid by how many dogs they are watching at any given time, rather than by the hour. There are specific websites where you can find work as a dog walker like Rover and the average pay is $14 an hour.
25. Pet sitter
A pet sitter is a professional who is hired to take care of pets while their owners are away. Pet sitters typically visit the home of the pet owner to feed, water, and exercise the pet. They may also provide additional services such as grooming and medication administration.
For example, many retirees enjoy pet sitting because it allows them to form close relationships with animals while also providing a service to their community.
Find plenty of pet sitting gigs on Rover.
26. Camp Host
After retirement, many people are looking for a low stress job that will allow them to travel, get outside, and see new places. Campground jobs are perfect for this because you can work during the day and explore at night.
Camp hosts are people who work at a campground to provide information and assistance to guests.
Campsites allow for some flexibility in terms of location – you may be able to choose the state or national park you’d like to work in, as well as the dates of your stay. Additionally, many camp hosts have a good deal of control over their schedules, which can be a perk.
They usually work for minimum wage, but can often receive tips from guests.
27. Adjunct Professor
Many retirees take on part-time work as adjunct professors. The position offers a high level of flexibility, good pay, and opportunities for professional development. In addition, adjunct professors often have the opportunity to work with students from diverse backgrounds and help them grow academically.
This can be a great way to share your knowledge and expertise with the next generation of students. Contact your local college and see if they have any openings. Adjunct professors typically earn around $3,000 per class taught.
28. Author
Becoming an author can be a great way to enjoy your retirement years while still earning some extra money on the side. The job doesn’t involve a lot of pressure, and you get to set your own deadlines.
There are a few different ways to get your book published. One option is to work with an agent. However, this may not always be possible, especially if you are writing a non-fiction book. Another option is to self-publish your book. This can be a great way to get your book out there without having to go through a publishing house.
You will finally have time to tell your story from your perspective.
29. Focus group participant
Focus groups are gatherings of people who are brought together to discuss a certain topic. The participants can range from 6 to 12 people, and they are typically held in local hotels or conference centers. During the focus group, the participants will discuss upcoming products, services, trends, and issues.
Focus group participants are typically reimbursed for their time and participation in the discussion. This can be done in a variety of ways but is usually either through cash or gift cards.
30. Furniture flipper
Furniture flipping is a great business for those who want to make some extra money with little stress and no formal education needed. You can do it from the comfort of your own home, as long as you have the necessary tools and space. With a bit of hard work, you could be on your way to making some serious cash.
Furniture flippers are people who buy furniture at a low price and resell it for a profit. They usually start as furniture buyers who love hunting for deals at garage sales or estate auctions. This is a low-stress job that’s also profitable.
For many retirees, it may have been a hobby turned profitable.
31. Delivery driver
Delivery driver is a great job for retirees because it keeps them active and socially engaged. It can be difficult to sit at home all day, so this job is perfect for those who want to be out in the world meeting new people.
Delivering food is a great way to make some extra money in your spare time. It’s a low-stress job because you’re only out of the car for deliveries, and many companies offer drivers up to $20 per hour.
I love Doordash because their sign-up process is so easy–you can be up and running in minutes!
32. Rideshare driver
Ridesharing is a great way for seniors to make some extra money on the side while still having plenty of time for themselves. It’s very flexible, so they can work as much or as little as they want, and it doesn’t require them to take too much time out of their day.
Both Uber and Lyft require relatively little startup capital, and retirees can often make money driving for these companies.
Just make sure you have the proper auto insurance for ridesharing.
33. Taxi Driver
Taxis are in high demand in most cities, so there is always work to be found. In addition, the hours are flexible, so drivers can work as much or as little as they want.
And since driving a taxi is not very demanding physically, it is a good job for those who are no longer able to do strenuous work.
Many people who move to a foreign country find being a taxi driver a highly rewarding and lucrative way to make money.
34. School Bus Driver
There is a severe shortage of school bus drivers across the country.
This may not be a low stress job to many, but you can have a long lasting impact on the students. Right now, our students need positive influences in their lives.
What does the job entail? You must have a valid commercial driver’s license (or find someone who will provide the training) and be clear from moving violations in the last 3 years. In addition, you must pass a background check to work with students.
Many districts are desperate for school bus drivers and providing a signing bonus.
35. Chat moderator
Chat moderators are responsible for monitoring chat rooms and helping to ensure that the conversation remains on topic and respectful. They also work to resolve any disputes that may arise.
They work in a variety of settings, from social media to online gaming platforms.
But for the most part, the job is relatively low-stress, thanks to the ability to take breaks and work flexible hours. Chat moderators also often have the opportunity to learn new technologies and hone their customer service skills.
36. Babysitter & Nanny
Babysitting and nannying is a great way to make some extra money in your spare time. It’s perfect for people who love kids and have a few hours in the afternoon after school lets out. You can help out your neighbors by babysitting their kids or finding families near you who are looking for a nanny.
They offer a lot of flexibility, they’re relatively low stress, and they often come with a set schedule so you know what you’re doing each week. Plus, you can usually work from home, which is a big perk if you want to stay active in your golden years.
The average babysitter in the United States earns a bit less than $15 per hour, but some earn at least $20 an hour. It is easy to find work.
37. Event Staff
Event planning can be a very stressful job, but it can also be a very rewarding one. After retirement, many people look for a flexible job that they can do mostly on the weekends and in the evening. Event staff is a great option for those people.
They may work in a variety of industries, including entertainment, hospitality, marketing or nonprofit organizations.
Event staff often have to wear many hats during an event, handling duties such as coordinating with vendors, setting up event spaces, managing attendees, and serving as liaisons between organizers and other staffers.
This may not be the situation for everyone, but great for someone who likes to be in the action.
38. Research Assistant
After retirement, many people feel lost and without a sense of purpose. A research assistant helps others find information and discover problems to solve. They work with teams or individuals to locate the best information possible and help them use it effectively.
Research assistants are in high demand because they help other people find information and solve problems. They work on a variety of tasks, such as conducting research, organizing data, and writing reports. Their skills are in high demand by companies, governments, and individuals who need help conducting research.
The job is relatively low stress and pays between $18 and $22 per hour. It requires patience, communication skills, and a range of computer skills.
39. Substitute Teacher
A substitute teacher is someone who fills in for a permanent teacher when they are absent. This can be for a variety of reasons, such as paid vacation, maternity leave, or sick leave. It is a great option for retirees because it is one of the most respected and low-stress jobs after retirement.
This is one of the best retirement jobs because you can substitute teach any position within a school.
Substitute teaching can be extremely rewarding, as you are able to help students in need and fill in for teachers who are absent. You may also have the opportunity to work with different age groups and learn new things.
It is now possible to earn around $20 per hour on average as a substitute teacher. In order to become a substitute teacher, you need to have a bachelor’s degree in any academic discipline from an accredited college or university. With the right qualifications, you can enjoy a great deal of flexibility and earning potential while working with children.
40. Airbnb Host
You can earn up to $1,000 per month by listing your home on the site.
It’s also a low-stress job since you don’t have to worry about meeting deadlines or dealing with customers. And, since you’re working from home, you can easily take care of any last-minute changes or emergencies.
If you’re interested in becoming an Airbnb host, check out this guide on how to get started.
41. Proofreading
In this career, you would be reading documents or manuscripts and looking for mistakes in grammar, spelling, punctuation, and syntax. You would then mark the errors with a correction symbol and provide a note to the author about the mistake. Proofreading can be done independently or as part of a team.
It is also important to be able to meet deadlines because many publishers require that manuscripts be returned within a certain timeframe.
42. Park Ranger
They enforce park rules, help visitors enjoy their visit, and provide information about the areas they patrol. Park rangers may also conduct educational programs, research projects, and archaeological surveys.
The growing popularity of outdoor recreational activities will lead to more demand for these workers.
Rangers must be able to hike long distances in difficult terrain, often carrying heavy equipment. They also may need to work extended hours, including weekends and holidays, during peak visitor seasons.
43. Voiceover artist
Voiceover artists are people who provide the voice for a character or commercial. They must be able to understand and interpret the script, and then deliver the lines in a way that sounds natural and believable.
Voiceover artists are in high demand for their unique ability to provide a voice for various multimedia productions that requires no formal training. This work can be done from anywhere with a good internet connection, making it an ideal job for retirees or those with flexible hours.
44. Real Estate Agent
The work is often exciting, and you can set your own hours. However, it can also be demanding and require long hours during busy times.
They must be knowledgeable about the current market conditions and have strong negotiating skills. In order to succeed in this career, you’ll need to be able to work well independently and be comfortable networking with potential clients.
You’ll also need to develop a strong marketing strategy to attract new clients.
45. Sports Coach
They may also instruct athletes on the rules and regulations of a sport. Sports coaches typically have a college degree in physical education, kinesiology, or a related field.
Coaches often work long hours during the season and must be able to handle criticism from players and parents. However, for those who love sports and enjoy working with people, sports coaching can be an enjoyable and low-stress job after retirement.
46. Artist
Being an artist is a great job to have after retirement because it doesn’t require a lot of stress and you’re free to create whatever you like. The only requirement for the job is that you have some artistic ability, which most people do.
Working as an artist can be perfect for people who are looking to have more flexibility with their hours and want to work on the go. There are many different types of artist jobs that one can find, and the best way to find out what’s available is to do some research online or talk to other artists in your area.
47. Translator
Translation is a great option for those who want to use their second or third language skills in a professional setting.
Many retirees find themselves with time on their hands after retirement and may enjoy doing something that they are good at and can be successful at. Speaking another language can lead to many opportunities, including working as a translator or in a translation services company, or becoming a consultant in foreign affairs.
Translators must be able to understand the source material fully and then accurately convert it into the target language.
48. Interior decorator
Interior decorators are in high demand because they have an eye for design and can help people make their homes look beautiful. This is a low-stress career choice that allows retirees to work anywhere, which is why it is becoming increasingly popular.
Interior decorators are often retirees who have a wealth of knowledge and experience in interior design. They must build up a portfolio of their clients’ homes before they can become an interior designer and be able to charge more for their services.
Interior decorating is a creative line of work that can earn great money, and it’s often a side hustle for people who want to make more money while still having free time. Satisfying customers is another perk of this career!
49. Handyman Services
If you’re looking for a way to make some money after retirement, and enjoy doing hands-on home repair projects, consider working as a handyman. Handyman work can be done on your own schedule, so it’s a great option if you want more flexibility in your life.
Handyman services are becoming more popular because they allow you to set your own rates and work on your own schedule.
This is beneficial for both the worker and the customer, as it allows the worker to charge a fair price for their services and customers can get work done on their time. Additionally, handymen have a variety of skills and can fix many problems around the home, which makes them a valuable asset.
50. Professional cuddler
Cuddling has become a popular service in recent years. Companies like Cuddle Comfort offer professional cuddlers that will come to your house and provide you with a compassionate, understanding listening ear as well as some quality cuddle time.
Some people make a living from professional cuddling. These cuddlers can earn approximately $40 per hour for just being themselves and giving bear hugs. This is a growing industry with many people finding comfort and satisfaction in human touch.
51. Mediator
To become a mediator, you need to have either legal training or a bachelor’s degree in mediation. This gives you the skills needed to mediate and resolve disputes between two or more parties. Mediators usually have a low-stress job because of their flexibility and freedom to work from anywhere.
Mediators come from a variety of professional backgrounds, but the majority have some form of legal background. More than half of certified mediators work as general mediators, charging $100 to $250 per hour.
52. Data entry specialist
A data entry specialist is somebody who enters data into a computer system. This can be a very low stress job, especially if you have basic computer skills and typing speed and accuracy. The work is relatively easy to find and usually does not require any specific qualifications.
Data entry specialists are paid a modest wage for their work, but the pay is reliable and predictable. The job is also relatively easy to find, making it a great option for people who are looking for additional work during retirement or in their spare time.
Being able to type quickly and accurately in order to be successful in this role.
53. Waiter/ Waitress
If you have a gift of gab and service, then this might be the perfect industry for you. Especially as a bar back!
The work hours are flexible, the tips are usually good, and you get to meet new people all the time. Plus this type of job is fun, as it’s not high-stress and it allows someone who just retired or wants a job with flexible hours to stay active socially while they make money.
If you’re looking for an alternative after retirement, waiter or waitress work is definitely a good option.
54. Cook
Many families are looking for healthy options for dinner. What is better than a home-cooked meal?
While working as a cook for a restaurant, you may often work long hours in a hot, noisy kitchen. However, cooking for local families on a small scale may be the perfect scenario.
55. Become a Transcriber
Transcription is a great way to make some money after retirement. You can typically make around $18-$25/hour, depending on your skill level and experience.
The work is relatively low stress, so it’s a great option for those looking for a relaxing way to make some extra income.
56. Retirement planner
Some retirement planners offer training and certification for their employees. The employer might pay for your training and certificate if they feel confident enough in hiring you as an employee after seeing how well you do these tasks.
This may not be the ideal situation for many, but it pays well.
57. Flip Items
Flipping items for profit is a great way to make some extra cash. You can find deals at garage sales and online, and then turn around and sell them for more.
Be sure to look out for scams, however, as there are many people who try to take advantage of those looking to flip items.
To learn how to flip for a side hustle, check out Flea Market Flippers.
58. Professional Volunteer
Charity work is a great way to give back to the community and help those in need. There are many charities that need help, and by donating your time or money, you can make a big difference in someone’s life.
It can also be a great way to ease into retirement. Many charities are always in need of volunteers, and you can often find opportunities that fit your schedule. You may also be able to find paid positions with certain charities.
You will have the opportunity to help others and make a real difference in their lives. You may also find new friendships and learn new skills.
It keeps you social and busy, and it lets you help out in your community. Plus, many organizations offer volunteer opportunities tailored to retirees’ skills and interests.
In fact, many volunteer opportunities turn into paid jobs.
How to find a job that is low stress and matches your skills?
Which best jobs for retirees do you want?
When you’re looking for a job that is low stress and matches your skills, it’s important to consider a variety of factors. For example, employers want employees who can work independently and are well-organized. They also want employees who can communicate clearly. You should have a basic understanding of the job duties as well.
If you have specific skills, you may not need these things as much.
However, employers still want employees who can complete tasks without any help from others. There are a variety of ways to find out about such jobs, including using search engines or social media sites like Facebook and LinkedIn.
Also, whoever says you have to wait for retirement?? Find low-stress jobs that pay well without a degree now.
It’s also important to be aware of the pay structure. Often, employers want employees who will be able to work for them on a long-term basis. The pay structure is often predictable and employers know exactly how much work there will be available for each project. This makes it easier for both parties involved.
One way to find a job that is low stress and matches your skills is by using online platforms like Upwork, Freelancer, and Fiverr. These platforms offer many data entry jobs that are perfect for those looking for an easy way to make some money after retirement. In order to take advantage of these jobs, you’ll have to learn how to type fast.
Know someone else that needs this, too? Then, please share!!
Known as the Home of the Blues, Memphis is a music lover’s paradise, but there are plenty of other reasons to visit this incredible city. You’ll be able to explore its deep history, both in terms of music and the heart of the Civil Rights Movement of the mid-20th century. Plus, there are museums, parks, and more waiting.
Here, you’ll learn more about the best things to do in Memphis, Tennessee, as well as discover ideal times of year to visit. In addition, you’ll get a good idea of the average trip costs so you can budget accordingly.
Best Times to Go to Memphis
Memphis is at its most comfortable during the spring and fall months, typically from late April through the beginning of June and again from late August to the middle of October. For instance, in April, you’ll find temperatures in the 70s during the day, and in October, you’ll experience similarly warm temperatures.
For music lovers, also consider visiting for the annual Beale Street Music Festival, which takes place each May. Some of music’s biggest names perform at this three-day event. 2022’s headliners included Megan Thee Stallion and Van Morrisson, so you know there’s something for everyone.
Recommended: Where to Find Book Now, Pay Later Travel
Bad Times to Go to Memphis
Summer and winter will be less crowded in Memphis, but the weather is less than ideal for many. Summer travel in Memphis can be hot and humid. The average high temperature in July is in the 80s to low 90s Fahrenheit, making that one of the worst times to visit Memphis. Late fall and early winter tend to be cloudy in Memphis, but there’s not a high chance of snow. Rainfall tends to peak in early December and mid-April.
Average Cost of a Memphis Vacation
Before you start making a list of the top things to do in Memphis, get an idea of how much a trip there will cost you once you arrive. According to Budget Your Trip, an individual spends an average of $34 on dining every day. Local transportation is actually more expensive at $47 per day, so you might want to look into renting a car to get around.
Hotels, however, can be reasonably priced at around $134 per night in Memphis, and perhaps even less if you try some hacks to save money on hotels.
Here’s how the costs break down if you plan to spend a week in the city; there will be some incidentals as well:
• One Person Total: $1,172
• Two Person Total: $2,343
One note: You may want to also budget for travel insurance in case the unexpected were to happen, or look into what kind of credit card travel insurance your issuer provides.
Recommended: Credit Card Miles vs. Cash Back
10 Fun Must-Dos in Memphis
As you plan a trip to this Tennessee city, you’ll likely want to map out an itinerary, even if just loosely, to make sure you hit the highlights. Here, culled from top online reviews and seasoned travelers, is advice on the 10 best things to do in Memphis.
1. Pay Homage to the King
We would be remiss to start off a list of best things to do in Memphis without mentioning Graceland, the home of iconic singer Elvis Presley. Open for tours on a daily basis, your ticket gives you access to 120 acres. Explore Elvis’s mansion (including the Jungle Room), his most iconic outfits, and the exterior grounds.
There are also on-site museums dedicated to the King of Rock ‘n Roll’s career and cars. If you really want to make the most out of your time at Graceland, you can also stay at a hotel on the grounds. If staying in the city, consider a rental car or shuttle for the 20-minute drive. Ticket prices range from $28 to $215 for the Ultimate VIP Tour. (If you’re buying the top of the line tickets, you may want to swipe with plastic when paying to earn credit card rewards.) graceland.com/
2. Visit the National Civil Rights Museum
Memphis is also known for another King — civil rights legend Dr. Martin Luther King, Jr., was assassinated at the city’s Lorraine Motel in 1968. Now the location has been transformed into the National Civil Rights Museum with interactive exhibits, films, and oral histories cataloging centuries of the quest for freedom and equality in America.
Exhibit material starts with the struggle against slavery in the early 1600s and moves forward through today’s continuing Civil Rights Movement. Walk through a recreation of the Montgomery Bus Boycotts of the 1950s, the Memphis Sanitation Strikes, and more. The museum is closed on Tuesdays so plan your visit in advance. civilrightsmuseum.org/
3. Stroll Down Beale Street
This nearly two-mile stretch of road in downtown Memphis is a celebration of all things music. Considered the official Home of the Blues, you’ll find clubs and restaurants to satisfy any music lover’s thirst for live entertainment.
There’s always something going on at Beale Street. Just show up to explore on your own, or download the official app to create a plan. Note that a security checkpoint goes up on Friday and Saturday nights. Those under 21 must be accompanied by an adult after 9 p.m., and the street is strictly 21+ after 11 p.m. In other words, weekend nights on Beale Street are on the list for fun things to do in Memphis for adults but not kids. bealestreet.com/
4. March with the Peabody Ducks
One of the best things to do in Memphis with kids is to head to the downtown Peabody Hotel for the daily Duck March. Occurring at 11 a.m. and 5 p.m. each day, this decades-long tradition involves five North American mallards who live at the hotel. Each group of ducks lives at the hotel for three months before returning to farm life outside the city.
They’re brought down from their Royal Duck Palace on the rooftop to swim in the lobby fountain. Participants must be at least five years old, and the hotel recommends arriving 30 minutes early to get a seat. Seeing the Peabody Ducks is definitely an affordable family travel option. peabodymemphis.com/peabody-ducks
5. Tour the Belz Museum
What started out as a private art collection has turned into five permanent exhibits displaying Asian and Judaic art, as well as the Holocaust Memorial Gallery. The Belz Museum also brings in special exhibits twice a year.
One of the most comprehensive collections at the museum is the Chinese art exhibit, which is known as the largest such collection in the southeast United States. You’ll see many pieces from the Qing dynasty, which lasted from the mid-1600s through the early 1900s. The Belz Museum is closed Monday and Tuesday.
6. Take in Some Thrilling Basketball
Love basketball? Check out an NBA game at FedExForum, which is home to the Memphis Grizzlies (nba.com/grizzlies/tickets). The season runs from October to April. The stadium also hosts University of Memphis men’s basketball, which is a NCAA Division I. You can also check out the Division I women’s team on campus at the Elma Roane Fieldhouse.
7. Marvel at the Mighty Lights
Put this on your list of free things to do in Memphis: the nightly Mighty Lights on the downtown waterfront. Every evening, the city’s two iconic bridges (the Hernando de Soto and Harahan) are lit up in a huge display of LED lights. You’ll see the show at the hourly and 30-minute marks starting at sundown, followed by a grand final at 10:30 p.m.
Scout out a spot to watch along the Mississippi riverfront parks, or scope out an aerial view in the city. The Fourth Bluff and Mud Island are both good options to check out. mightylights.com/
8. Snap Selfies at Mud Island River Park
Tap into your inner river rat at Mud Island River Park. It takes just a few minutes to walk to it from downtown Memphis, and you’ll enjoy lounging on this Mississippi River island. It’s also a perfect spot for some social media selfies thanks to the huge Memphis sign, which spans 50 feet.
This 52-acre park also features a scale model of the Mississippi River to give you a sense of the true breadth of the world’s third largest river basin. Traveling with pets? Mud Island is also a great location for a long walk with your dog. memphisparks.com/park/mud-island-park/
9. Drop into the Stax Museum of American Soul Music
Not only is Memphis home to the blues and rock ‘n roll, it has also played a pivotal role in America’s soul music scene. The Stax Museum is the original home of the legendary Stax recording studio, which was the recording label of iconic artists like Otis Redding, Isaac Hayes, Shirley Brown, and many others.
Explore the rich history of the studio through exhibits and artifacts. You’ll even get the chance to see Isaac Hayes’ custom Cadillac Eldorado, decked out in 24-karat gold trim with a mini-fridge and television on the inside. The Stax Museum is closed on Mondays; tickets are $13 for adults and $10 for kids 9-12; children 8 and under are free. staxmuseum.com/
10. Wander Through Meeman-Shelby Forest
Needa dose of nature? Memphis has that, too! Head 20 minutes outside of downtown Memphis for the enchanting Meeman-Shelby Forest. You can explore 13,000 acres of wilderness that is home to a diverse range of ecosystems. Discover sandy beaches and swamplands (home to the Bald Cypress tree).
There are plenty of recreational activities to enjoy, including trails, a nature center, and a disc golf course. tnstateparks.com/parks/meeman-shelby
The Takeaway
From a huge music scene to pivotal moments in history, from parks to nightly light shows, Memphis has attractions worth exploring for all ages. It doesn’t matter if you have a few days or a full week — it’s easy to fill your schedule with tons of fun things to do in Memphis on any budget.
FAQ
Is Beale Street worth a visit?
Beale Street is considered a must-visit if you’re visiting Memphis, whether it’s your first time or you’ve vacationed there before. Home of blues music, you’ll get a truly unique flavor of entertainment any time of day or night.
What is the best month to visit Memphis?
If you have a completely open calendar and are ready to head to Memphis at the perfect time of year, consider going either in mid-spring or mid-fall. You’ll miss the heat of summer and clouds of winter, so you can explore the top things to do in Memphis, Tennessee, in the best possible weather.
What is Memphis most popular for?
Memphis is best known for its music scene, both historically and today. It’s considered the home of the blues as well as the hometown of rock ‘n roll (Elvis Presley’s Graceland is there), so you’re sure to find something to enjoy.
Photo credit: iStock/benedek The SoFi Credit Card is issued by The Bank of Missouri (TBOM) (“Issuer”) pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 1See Rewards Details at SoFi.com/card/rewards. Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances. Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners. SOCC0223049
Are you 54 and seeking life insurance, chances are you are not doing so for the first time. If it is the case that you are obtaining life insurance for the first time or are simply renewing there are several factors to consider. Today’s day in age with advanced medicine, cheap life insurance rates are surprisingly low for a 54-year-old person.
Time is of the essence when you are in your early 50’s. Once you reach your 60’s, rates jump dramatically from those of someone who is in their 50’s. This of course is all dependent on your health conditions, pre-existing or otherwise.
However, the fact of the matter is that your risk to that of a life insurance company increases with your age, so seeking out insurance now is better than waiting.
Which Life Insurance is Best for a 54 Year Old?
Two of the best types of insurance for someone of age 54 are term life insurance or whole life insurance. If you are the average person, you probably don’t know the difference between the two. Even if you do, you may not know which one is best for your situation.
Term life insurance varies in the amount of time you are covered for. Terms can be anywhere from 10 to 30 years. Of the two term life insurance is the preferred route for many people of this age. Not only is it much more affordable but it also allows for an extent of flexibility that you may not otherwise find with other insurance. Another reason that term life insurance is more popular among 50-year-olds is because their need for life insurance could be coming to an end shortly. There are a lot of people that once they retire, they don’t need life insurance for much longer, which is by buying a shorter-term life insurance policy is so valuable.
Whole life insurance, sometimes referred to as universal life insurance, will continue to cover you for as long as you make the premium payment. It is appealing in that it can be considered an asset of which you can borrow against. It of course is slightly more expensive for this reason. Whole life insurance can actually be as much as 12 times the rates of term life insurance.
If you do not know much about life insurance, there is no shame in seeking the guidance from a life insurance agent. They know how to save you money in the short and long term.
For a $250,000 policy, a 54 year old winds up paying $23.40. A $200,000 policy on the other hand with cost $41.34. A $500,000 policy is a bit pricier, valued at $71.22. For the $1 million dollar policy, the rates go to $125.15.Check these results for a $250,000 term life insurance policy:
Sex
10 Year
20 Year
30 Year
Male
Protective – $35.51/month
SBLI – $60.25/month
Banner – $118.13/month
Female
Protective – $27.81/month
SBLI – $46.76/month
Banner – $85.53/month
These rates of course are all dependent on your level of health. Factors such as pre-existing conditions and newly diagnosed diseases will all take a toll on the rates that you pay. Some insurance companies may ask you to take a medical exam in order to confirm that you are indeed healthy.
Getting the Lowest Life Insurance Rates
When you’re looking to purchase life insurance at 54, you’ll notice monthly premiums are much higher than when you purchased your first policy. That’s because age is one of the biggest factors in calculating your premium. Just because you are a couple years (or couple decades) older than the last time you applied, doesn’t meant that your insurance premiums have to be through the roof. There are several things that you can do to get the lowest life insurance rates possible.
The first is to improve your health. In addition to how old you are, the premium is impacted the most by how healthy you are. Most of the time you have go through a health exam before the policy is approved, and how your results come back will go a long way in the outcome of your premium.
Spend some months working on your health through diet and regular exercise. Being overweight increases your risk of having health problems later in later, which means your risk is higher to the insurance company. Sticking to a diet and getting regular exercise is not only going to help you lose weight, but it will also help lower your blood pressure and your cholesterol, which will lower your premiums even further.
Additionally, one of the best ways for you to save money on your life insurance plan is kicking the bad habits like smoking cigarettes or using tobacco. Marking yes to tobacco on your insurance applications is going to cause your quoted price to double automatically. In some cases, it could even triple. If the time comes to buy another life insurance policy, drop the cigarettes once and for all. Your wallet is going to thank you.
The easiest option to find the most affordable rates is by comparing dozens of different insurance companies before you choose the policy that works best for you. Instead of calling all of the companies yourself, our independent advisors can do all the hard work. Our agents represent dozens of the highest rated companies across the United States, and have access to the lowest rates available.
Ads by Money. We may be compensated if you click this ad.Ad
If you do not already have insurance, there is no better time to obtain it. The life insurance over 50 policies can go up dramatically when you hit age 55.
Life is unexpected and, tragedy could strike tomorrow. You can’t predict the future, but you can plan for the worst.
At long last, the White House and House Republicans have reached a tentative agreement to raise the debt ceiling. But a deal isn’t over yet: Congress still needs to vote on the deal – far from a guaranteed outcome – and President Joe Biden would need to sign it before the US defaults or misses a scheduled payment.Video above: House Speaker Kevin McCarthy speaks after debt ceiling agreement in principleEvery day that passes without a bill to raise the debt ceiling, the probability of the United States reaching the critical date that it can no longer meet its financial obligations steadily grows.If lawmakers fail to pass the tentative agreement, and they don’t raise the country’s debt limit by early June, the government may confront an unprecedented challenge: determining which bills to prioritize for payment as the Treasury Department grapples with insufficient funds. Debt vs. other payments If the United States doesn’t raise the debt ceiling in time, the Treasury may have to decide whether to make interest payments to its debtholders or to pay its non-debt obligations, such as Social Security, veterans’ benefits, unemployment insurance, food stamps, and running government organizations like the military and the US Centers for Disease Control.The United States government makes millions of payments each day, but the overall economy would pay a far greater price if it were to miss payments on its debt, according to Mark Zandi, the chief economist at Moody’s Analytics. Moody’s Analytics is separate from Moody’s Investor Service, the credit rating agency.If the United States defaults on its debt, it would undermine faith in the federal government’s ability to pay all its bills on time, affecting the government’s credit rating and unleashing massive turbulence in financial markets.Countries with lower credit ratings face higher interest rate costs than those that are viewed as more trustworthy borrowers. The three largest credit rating agencies – Moody’s Investor Service, S&P Global Ratings, and Fitch Ratings – rate borrowers based on their perceived ability to pay back debt. If America’s credit rating were downgraded, that could raise borrowing costs for millions of Americans, sending mortgage, personal loan and credit card rates higher. It could make business’ borrowing costs rise and lead to layoffs – and ultimately a recession.What gets prioritized?Absent a bill passed by Congress and signed by Biden, Treasury will likely do everything in its power to avoid a debt default.In contrast to debt payments, government payments like Social Security or federal worker salaries aren’t considered debt instruments, so they are less likely to come into play when the agencies rate the United States’ debt. Zandi acknowledged that a government decision to pay back bondholders, including foreign governments like China and Japan, over an elderly Social Security recipient will likely be politically unpopular. However, he believes the government would try to prevent a debt default for as long as it can. “The reality is, if they don’t do that, then the economy is going to evaporate, the budget deficits are going to explode, and our interest expense is going to rise because investors are going to demand higher rates,” Zandi said.“A grandmother 10 to 20 years from now looking for a Social Security check will be much less likely to get one. At least not one as large because we’ll be in a much more precarious financial situation.”Treasury Secretary Janet Yellen, however, has not said what the Treasury Department would do if the country hits the so-called X-date, when the government can no longer meet all its obligations. In March, she called prioritizing payments “effectively a default by just another name.”Treasury will not be able to make everyone happyOn Friday, Yellen updated her estimate of the X-date, to June 5.Though prioritizing debt payments might stave off an even-greater economic collapse, the United States may not emerge unscathed.In 2011, then-Treasury Secretary Tim Geithner compared the government picking and choosing which bills to pay to a homeowner who pays their mortgage while pushing off their car loan and credit card bills: while that key housing expense is taken care of, that person would likely still have damaged credit.Betsey Stevenson, a professor of economics and public policy at the University of Michigan, said no matter which payments Treasury decides to put first, the agency will likely be sued by those left behind. “What should Treasury do? Should it issue new debt it’s not authorized to issue? Should it fail to pay a bill it’s required to pay? Should it fail to honor the debt that the US government has issued? There is no clear legal answer,” she said.“Treasury doesn’t really want to answer that question, and they don’t really want to be in that position.”
At long last, the White House and House Republicans have reached a tentative agreement to raise the debt ceiling. But a deal isn’t over yet: Congress still needs to vote on the deal – far from a guaranteed outcome – and President Joe Biden would need to sign it before the US defaults or misses a scheduled payment.
Video above: House Speaker Kevin McCarthy speaks after debt ceiling agreement in principle
Advertisement
Every day that passes without a bill to raise the debt ceiling, the probability of the United States reaching the critical date that it can no longer meet its financial obligations steadily grows.
If lawmakers fail to pass the tentative agreement, and they don’t raise the country’s debt limit by early June, the government may confront an unprecedented challenge: determining which bills to prioritize for payment as the Treasury Department grapples with insufficient funds.
Debt vs. other payments
If the United States doesn’t raise the debt ceiling in time, the Treasury may have to decide whether to make interest payments to its debtholders or to pay its non-debt obligations, such as Social Security, veterans’ benefits, unemployment insurance, food stamps, and running government organizations like the military and the US Centers for Disease Control.
The United States government makes millions of payments each day, but the overall economy would pay a far greater price if it were to miss payments on its debt, according to Mark Zandi, the chief economist at Moody’s Analytics. Moody’s Analytics is separate from Moody’s Investor Service, the credit rating agency.
If the United States defaults on its debt, it would undermine faith in the federal government’s ability to pay all its bills on time, affecting the government’s credit rating and unleashing massive turbulence in financial markets.
Countries with lower credit ratings face higher interest rate costs than those that are viewed as more trustworthy borrowers. The three largest credit rating agencies – Moody’s Investor Service, S&P Global Ratings, and Fitch Ratings – rate borrowers based on their perceived ability to pay back debt.
If America’s credit rating were downgraded, that could raise borrowing costs for millions of Americans, sending mortgage, personal loan and credit card rates higher. It could make business’ borrowing costs rise and lead to layoffs – and ultimately a recession.
What gets prioritized?
Absent a bill passed by Congress and signed by Biden, Treasury will likely do everything in its power to avoid a debt default.
In contrast to debt payments, government payments like Social Security or federal worker salaries aren’t considered debt instruments, so they are less likely to come into play when the agencies rate the United States’ debt.
Zandi acknowledged that a government decision to pay back bondholders, including foreign governments like China and Japan, over an elderly Social Security recipient will likely be politically unpopular. However, he believes the government would try to prevent a debt default for as long as it can.
“The reality is, if they don’t do that, then the economy is going to evaporate, the budget deficits are going to explode, and our interest expense is going to rise because investors are going to demand higher rates,” Zandi said.
“A grandmother 10 to 20 years from now looking for a Social Security check will be much less likely to get one. At least not one as large because we’ll be in a much more precarious financial situation.”
Treasury Secretary Janet Yellen, however, has not said what the Treasury Department would do if the country hits the so-called X-date, when the government can no longer meet all its obligations. In March, she called prioritizing payments “effectively a default by just another name.”
Treasury will not be able to make everyone happy
On Friday, Yellen updated her estimate of the X-date, to June 5.
Though prioritizing debt payments might stave off an even-greater economic collapse, the United States may not emerge unscathed.
In 2011, then-Treasury Secretary Tim Geithner compared the government picking and choosing which bills to pay to a homeowner who pays their mortgage while pushing off their car loan and credit card bills: while that key housing expense is taken care of, that person would likely still have damaged credit.
Betsey Stevenson, a professor of economics and public policy at the University of Michigan, said no matter which payments Treasury decides to put first, the agency will likely be sued by those left behind.
“What should Treasury do? Should it issue new debt it’s not authorized to issue? Should it fail to pay a bill it’s required to pay? Should it fail to honor the debt that the US government has issued? There is no clear legal answer,” she said.
“Treasury doesn’t really want to answer that question, and they don’t really want to be in that position.”
Las Vegas is known for many things, typically its world-famous casinos and that legendary nightlife. There’s a reason they say, “What happens in Vegas stays in Vegas.”
For some people, those features of Las Vegas are exactly what they want. But not everyone loves to play the slot machines, try their luck at roulette, or sip those fancy cocktails. The good news is you don’t have to: There are countless things to do in Las Vegas, and only a small fraction involve drinking and gambling.
Here, learn about the best things to do when visiting Las Vegas because this Nevada town has a lot going on!
Best Times to Go to Las Vegas
The best times to visit Las Vegas can depend on your personal preferences. What do you want to do while you are there? Here are some things to keep in mind:
• Weather: Las Vegas can be very hot if you opt for summer travel. Temperatures can exceed 100 degrees Fahrenheit during that time. So, if you prefer not to be covered in sweat, the best time to visit in terms of weather is usually in the fall (September to November) or spring (March to May), when temperatures are milder. However, if you are planning a visit that involves nothing but casino time, seeing shows, and hitting the pool, you can travel pretty much whenever.
• Events: Las Vegas hosts many events and festivals throughout the year, including the Electric Daisy Carnival music festival in May, the World Series of Poker in the summer, and the National Finals Rodeo in December. If there is a particular event you want to attend, that could influence when you decide to go.
• Crowds: Las Vegas is a popular destination all year, but certain times of year tend to be busier than others. The winter holidays and New Year’s Eve are typically the busiest times, while weekdays in the summer can be quieter.
Generally, the best time to visit Las Vegas depends on what you want to do and see. If you want to avoid crowds and extreme heat, consider visiting in the shoulder seasons of spring and fall. If you want to attend a specific event, plan your trip around that. Also, consider travel insurance to give yourself peace of mind in case you hit any obstacles before or during your trip.
Unlimited 2% cash back rewards*
Earn 3% cash back on up to $12,000 in purchases your first year when you set up direct deposit through SoFi.** After that, earn 2% unlimited cash back on everything.*
Recommended: Apply for an Unlimited Cash Back Credit Card
Bad Times to Go to Las Vegas
Again, the bad times to visit Las Vegas are subjective and depend on your preferences. For most people, though, here are times of the year that might be less enjoyable:
• Summer: As mentioned, temperatures can exceed 100 degrees Fahrenheit in the summer. That could make it an uncomfortable time to visit for many.
• Major holidays: Las Vegas is a popular destination on many major holidays, including New Year’s Eve, Memorial Day, Fourth of July, and Labor Day. During these times, hotels and attractions can be crowded, and prices might be higher than usual.
• Convention weekends: Las Vegas is a popular destination for business conferences and conventions, and hotel rates can be higher during these times. You might also find that the city is more crowded than usual.
As you can see, the worst times to visit Las Vegas also depend on your personal inclinations. If you want to avoid crowds and high prices, it’s best to avoid major holidays and conventions. If you can’t handle the heat, staying away during the summer is best.
Average Cost of a Las Vegas Vacation
The cost of a Las Vegas vacation can vary widely depending on factors such as the time of year, duration of your visit, accommodations, dining and entertainment options, and your budget for spending. It might help if you already have a travel fund, but it depends on how much you will spend. Here is a general breakdown of common expenses for a one-person and couple’s vacation:
One-Person Vacation:
• Accommodations: A mid-range hotel room can cost around $100-$200 per night; luxury hotels in Vegas will of course typically be more, but you may be able to use hacks that will lower that cost and help you save money on hotels.
• Flights: Round-trip flights generally cost around $200-$500, depending on the departure city and time of year.
• Transportation: Taxis, Ubers, and public transportation can add up to around $50-$100 or more. Of course, they might cost you more money depending on how often you use them.
• Food and drink: Meals can cost around $20-$50 per day, depending on where and what you eat, plus drinks and snacks can add another $20-$50 per day.
• Entertainment: Shows, attractions, and activities can range from free to several hundred dollars per person. Tickets to those high-profile residencies can get quite pricey.
Total: A one-person vacation to Las Vegas can cost anywhere from $500 to $2,000 or more, depending on the above factors. Also consider things like traveling with pets, which will increase your costs as hotels typically add a charge and you might have additional transportation costs getting to pet-friendly parks.
Couple’s Vacation:
• Hotels: A mid-range hotel room can cost around $100-$200 per night or more for a luxury hotel.
• Flights: Round-trip flights can cost around $400-$1,000, depending on the departure city and time of year. However, you can save money or get extra perks with an airline credit card or cash back rewards credit card.
• Transportation: Taxis, Ubers, and public transportation can add up to around $100-$200. Again, it depends in part on how much you use them.
• Food and drink: Meals can cost around $40-$100 per day for two people, depending on where and what you eat. Drinks and snacks might add another $40-$100 per day.
• Entertainment: Shows, attractions, and activities can range from free to several hundred dollars per person.
Total: A couple’s vacation to Las Vegas might cost anywhere from $1,000 to $4,000 or more, depending on the above factors. Naturally, how much you can afford will have an effect on your budget.
10 Fun Must-Dos in Las Vegas
Las Vegas is one of the best places in the country for all kinds of entertainment. Whether young or old, you are never more than a few steps away from something interesting. This list of the best things to do in Vegas is culled from top-rated attractions on popular review sites, as well as insider intel from savvy travelers.
The good thing about taking a trip to Las Vegas is that the Strip is generally the focal point. So, if you stay near the Strip, you are sure to find many attractions that are accessible. Just be sure to wear comfortable walking shoes, as traversing the Strip takes more steps than you might realize.
1. Visit the Las Vegas Strip
As the main attraction in Vegas, the Strip has numerous shops, restaurants, and shows. Of course, you can visit the casinos if you prefer, but even the Strip has plenty to do that doesn’t involve gambling. Admire the Bellagio’s fountains and the artwork inside the casino, or visit the Eiffel Tower at Paris Las Vegas. Visit the city’s museums, or enjoy some performances by the city’s various street performers. The Strip offers endless entertainment for all kinds of people. visitlasvegas.com/las-vegas-strip/
2. See a Live Show
Seeing a live show is one of the best things to do in Las Vegas. The city is home to many spectacular shows, including Cirque du Soleil, Blue Man Group, and magic shows. All the best shows are usually on the Strip, so catching a show is convenient, too.
3. Explore Fremont Street
This is the old downtown area of Las Vegas, with vintage casinos, bars, and the famous light show on the overhead canopy. While the Strip is generally the main attraction in Last Vegas these days, many people insist Fremont Street is the “real” Vegas experience. Today, Fremont Street is home to unbeatable experiences like the Viva Vision Light Show, an indoor zip line, and the vintage Golden Nugget casino. vegasexperience.com/
4. Ride the High Roller
Even if you aren’t a high roller in the casinos, you can feel like one in the High Roller observation wheel. This 550-foot-tall Ferris wheel is the world’s tallest observation wheel, offering a stunning view of the Las Vegas skyline. Because the High Roller is so tall, the seats are completely enclosed in glass to keep passengers safe. The High Roller is located in the heart of the Strip, on the property of the LINQ Hotel and Casino. Daytime tickets for a 30-minute ride are typically $8.50 for youth; $23.50 for adults; nighttime is $17.50 for youth, $34.75 for adults. caesars.com/linq/things-to-do/attractions/high-roller
5. Visit the Hoover Dam
Las Vegas has endless things to do, but sometimes, you just need an escape. Located just outside Las Vegas, the Hoover Dam is a marvel of engineering and a great place for a day trip. You can reach the Hoover Dam in about one hour by car from the Strip, so getting there isn’t too time-consuming. It was built between 1931 and 1936 during the Great Depression. It serves several purposes, including controlling flooding of the Colorado River, irrigating over 1,500,000 acres of land, and providing water to 16,000,000 people. Tickets are $10 for a self-guided tour; $30 for a guided tour. usbr.gov/lc/hooverdam/service/
6. Go Shopping
If you’re a shopping fiend, few places are better than Las Vegas. The city is home to many high-end shopping destinations, including the Forum Shops at Caesars Palace and the Fashion Show Mall. There are also indie shops, other malls on the Strip, and outlets. That includes Las Vegas North Premium Outlets, where you’ll find deals on designer brands like Versace, Paige, and Michael Kors. This could also be a great opportunity to earn credit card rewards.
7. Visit the Neon Museum
Be sure to check out The Neon Museum Las Vegas to see a visual representation of Vegas’s history. This outdoor museum is located just north of the Strip and showcases vintage neon signs from Las Vegas’s past. The museum provides guided tours of signs from Vegas, some of which are from famous landmarks from the 1930s to today. General admission is $10 for children, $20 for adults, and tours are available. neonmuseum.org/
8. Play Miniature Golf
Adults and children of all ages can enjoy some amazing mini-golf courses in Las Vegas. The city has several miniature golf courses, including the Twilight Zone by Monster Mini Golf and KISS World featuring KISS Mini Golf. Both courses feature mesmerizing glow-in-the-dark mini-golf. Las Vegas is undoubtedly one of the coolest places to play mini-golf, so be sure to check these out.
9. Go on a Helicopter Tour
Experience the stunning views of Las Vegas and its surrounding areas from above with a thrilling helicopter tour. Several helicopter tour options are available in Las Vegas, ranging from short sightseeing flights to longer tours that take you to nearby attractions like the Grand Canyon or Hoover Dam. Some helicopter tours are as brief as 10 minutes, while some can last several hours. Keep in mind that helicopter tours in Las Vegas can be expensive, ranging from around $100 to several hundred dollars per person. The cost depends on the length of the tour and the attractions included. Book now, pay later travel can help, though these services can have caveats, including incurring high-interest debt.
10. Visit the SkyPod
Visiting the Skypod at the Strat Hotel and Casino is a must-do activity when you’re in Las Vegas. This iconic tower offers stunning views of Las Vegas and an array of thrilling rides, including the SkyJump and Insanity. You can also see the surrounding mountains and desert from the observation deck. The tower stands 1,149 feet tall, making it the tallest freestanding observation tower in the United States. There are several dining options, including the award-winning Top of the World restaurant, which is located on the 106th floor of the tower and offers 360-degree views of the city while you dine. thestrat.com/attractions
Getting Around Town
Las Vegas doesn’t have a wide array of public transit options, but it does have the Las Vegas Monorail that runs along the strip. Unfortunately, the Monorail isn’t exactly cheap, but a 7-day pass might save a bit if you use it multiple times daily. There is also the Las Vegas Loop to transport you between convention halls. Tickets are a reasonable $4.50 per day. Renting a car is always an option as well.
Dining Details
Las Vegas is a great food city. The hotels are packed with amazing options from household-name chefs. You can also stray from the Strip and find local favorites offering affordable tacos, BBQ, and more. Research your favorite kinds of foods, and then let your tastebuds guide you.
The Takeaway
Las Vegas is known for its casinos, but there is much more to Vegas than just gambling. With world-class live performances, incredible dining, fantastic museums, and mesmerizing mini-golf, there is something for everyone in Las Vegas.
SoFi Travel is a new service exclusively for SoFi members. Through a partnership with Expedia, we make it easy to find the lowest rates and book your reservations — for flights, hotel rooms, car rentals, and more — all in one place. Earn 2x rewards when booking with your SoFi Mastercard or debit card. And when you redeem your SoFi rewards for travel, you get a 25% bonus: $100 of reward points are worth $125.
Wherever you’re going, get there with SoFi Travel.
FAQ
How do I get the most out of my Vegas vacation?
You can do many things to get the most out of your Vegas vacation. For example, you can stay on the Strip or at least nearby so you are centrally located and can easily move between destinations. You should also wear comfortable shoes and enjoy free things to do in Las Vegas, like the fountain shows at the Bellagio.
What is Las Vegas best for?
There are many things Las Vegas is great for, including the Strip, Fremont Street, live performances, and museums. Obviously, there are great shows, gambling, and all kinds of delicious dining options, too.
How much money should you take to Vegas?
How much money you should take to Vegas depends in large part on what you plan to do. An individual on a tight budget might be able to skate by on as little as $500 for a week-long stay. But a couple planning a luxury vacation might need as much as $4,000 or perhaps more.
Photo credit: iStock/f11photo
1See Rewards Details at SoFi.com/card/rewards. SoFi cardholders earn 2% unlimited cash back rewards when redeemed to save, invest, or pay down eligible SoFi debt. Cardholders earn 1% cash back rewards when redeemed for a statement credit.1 Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.
When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.
Eligibility:
You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.
SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.
Airlines love to offer co-branded credit cards. Most major carriers now have several at different price points.
With the Quest card, United and Chase are betting that there’s a market for a card somewhere between their top-end Club Card and their entry-level Explorer Card. Call it their “Goldilocks” credit card.
If you frequently fly United but can’t justify the Club card’s hefty annual fee, Quest could be the best choice for you. But take a few moments to see how it works — and where it falls short — before you apply.
What Is the United Quest Card?
United offers numerous credit cards through its partner Chase, and the United Quest Card sits just below the premium Club Card. It features a laundry list of travel benefits and rewards.
This card has a rather large $250 annual fee, but it must be looked at in the context of all of its benefits, some of which offer direct value.
You start off on the right foot with a sign-up bonus of 60,000 bonus miles plus 500 Premier Qualifying Points (PQPs) when you use your card to spend $4,000 within three months of account opening. PQP are the points that you need to earn elite status in United’s loyalty program, starting with 4,000 points and 12 qualifying flights for Silver status. And it gets better from there.
The Quest Card offers you a $125 annual credit that reimburses you for any United purchases. You also get two 5,000 mile anniversary award flight credits. This means that if you book two award tickets a year, you get 10,000 bonus miles.
You also get a statement credit of up to $100 for your Global Entry or TSA PreCheck application — programs that help you to speed through security and immigration. And at a time when many credit card issuers no longer offer any cardholder benefits, the Quest Card still comes with several travel insurance and purchase protection policies.
The Quest Card also showers you with perks when you fly United. As is true with many frequent flyer credit cards, you get free checked bags. But the Quest card offers you two free bags for you and a companion traveling on the same reservation. Other perks include priority boarding, 25% back on United in-flight and Club premium drink purchases, and the ability to get Premier upgrades on award tickets.
And just like any airline credit card, you get miles for your Quest Card purchases. This includes 3x miles for United purchases and 2x miles for all other travel, dining purchases, and select streaming services. You get one mile per dollar spent on all other purchases.
What Sets the United Quest Card Apart?
The United Quest Card is different from its competitors in a few key ways, including purchase and mileage credits, free checked baggage allowance and travel insurance.
$125 United purchase credit. This is worth half the card’s annual fee, and goes a long way toward justifying it.
Two 5,000 mile flight credits each year. That’s another 10,000 miles, just for redeeming your miles.
Two free checked bags. Hello cross-country ski trip, college move-in, or camping vacation.
Lots of travel insurance. Stuck overnight due to a canceled flight? Snag a hotel and go out for a nice meal! This card reimburses you up to $500 per person during overnight delays or any delay lasting 12 hours or longer.
Key Features of the United Quest Card
This mid-tier airline rewards card offers a generous sign-up bonus, plenty of perks when flying United, and additional rewards for certain purchases.
Sign-Up Bonus
Earn 60,000 bonus miles and 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
The PQP component of this bonus can be vital to earning the next level of elite status in United’s MileagePlus program.
Earning Rewards
This card offers plenty of opportunities to earn bonus miles:
3x miles for United purchases
2x miles for all other travel and dining purchases
2x miles for select streaming services
1x mile on all other eligible purchases
“Other travel” covers a huge range of purchases, including:
Non-United airfare
Train fares
Local transit, taxi, and rideshare fares
Cruise fares
Hotel and resort bookings
Car rentals
Road tolls
Redeeming Rewards
You can redeem your accumulated miles for award flights operated by United and its partners.
Exactly how much value you get from them is another question. United no longer publishes an award chart and has been known to change how much it charges for particular flights without notifying anyone. But in general, you’ll need 80,000 to 100,000 miles for a one-way, business class ticket to Europe, and about half that if you travel in economy.
$125 Annual United Purchase Credit
You receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases charged to your United Quest Card.
Anniversary Award Flight Credits
You can also earn two 5,000 mile anniversary award flight credits each year when you take a United or United Express-operated award flight booked with your miles.
Valuable Travel Perks
No discussion of the United Quest Card is complete without taking a look at its travel perks:
Your first and second bags checked free for you and a companion
Priority boarding
25% back on United in-flight purchases
Eligibility for Premier upgrades when traveling on award flights
These perks come on top of numerous travel insurance and purchase protection policies. This includes $1,500 per person in trip cancellation/interruption insurance, $500 per person in trip delay reimbursement, and an additional $3,000 in lost luggage coverage.
Important Fees
There’s a $250 annual fee for this card. However, there’s no foreign transaction fee imposed on charges processed outside of the United States.
Credit Required
This card requires good or better credit to qualify. If your FICO score is much below 700, then you’ll likely have trouble being approved. However, this is pretty standard for a premium travel credit card.
Advantages
This card offers a lot of advantages, especially for frequent United travelers.
Sign-up bonus. Earning 60,000 miles after spending $4,000 on new purchases is a competitive bonus, but adding the 500 Premier Qualifying MIles allows this card to rise above most of its competitors.
Generous travel perks. The $125 annual travel credit goes a long way toward defraying the costs of this card’s annual fee. The two 5,000 mile annual flight credits are also very valuable. And it’s always nice to enjoy priority boarding, and two free checked bags.
Strong bonus categories. Many airline credit cards only offer 2x miles for ticket purchases, but this card features 3x. Plus, you get 2x for all other travel, dining and select streaming services.
MileagePlus partners and policies. You can redeem your United miles for flights on its numerous Star Alliance and non-alliance partners. United also eliminated change and cancellation fees on awards, so you’re free to book a ticket when you find a good deal and cancel it later if it doesn’t work out.
Disadvantages
The United Quest Card isn’t perfect. Its biggest downsides include recently devalued award travel (with more devaluation possible in the future) and a high annual fee.
United devalues its miles. United eliminated its award charts several years ago, which means that it can always charge more miles for awards whenever it feels like it. For example, United recently started charging up to 50% more miles for many of its award flights to Europe, without any prior notice. So don’t count on the price you see now being available when it comes time to redeem your miles.
$250 annual fee. This will be a big turn-off to many people, and for good reason. But if you can use the $125 annual flight credit, then the net cost is much closer to what an entry-level airline card costs. And if the free bags save you money, then it’s easier to get over the sticker shock of a $250 card.
How the United Quest Card Stacks Up
One of the closest competitors to the United Quest card is the Delta SkyMiles® Platinum American Express Card. It also offers bonus miles and credit toward elite status. It even features an annual companion certificate, but it has a smaller sign-up bonus.
United Quest Card
Delta SkyMiles® Platinum American Express Card
Annual Fee
$250
$250
Sign-Up Bonus
60,000 miles plus 500 PQDs
50,000 miles
Rewards Rate
Up to 3x miles
Up to 3x miles
0% Intro APR
None
None
Foreign Transaction Fee
None
None
Companion Certificate
No
Yes
Credit Needed
Good or better
Good or better
Final Word
The United Quest Card is a mid-tier product, positioned between the entry-level Explorer Card and the premium Club Card. It offers you a wide variety of perks and benefits when you fly United, including mileage credits, ticket purchase credits and credits toward elite status. It also offers some additional miles and fee credits to help cardholders justify its considerable annual fee. And don’t forget the valuable sign-up bonus.
What you’re left with is a pricey card that’s well worth it if you can utilize its fee credits and other perks, such as two free checked bags. Those who buy tickets on United will easily earn the $125 annual credit toward United purchases. So while you might balk at the $250 annual fee, savvy cardholders consider the value of the United Quest Card’s benefits and find it to be a worthwhile expense.
The Verdict
Our rating
United Quest Card
The United Quest Card is an expensive credit card, but you get what you pay for, from standard perks like free checked bags to a $125 flight credit and up to 10,000 bonus points on award travel each year. With so much going for it, this card’s annual fee is well worth the price for most United travelers.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
@media (max-width: 1200px)
body .ns-buttons.ns-inline .ns-button-icon width: 100%; .ns-inline .ns-button –ns-button-color: #000000;
Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.