wellness

Apache is functioning normally

HousingWire Editor in Chief Sarah Wheeler sat down with Kathryn Amor, senior vice president and head of enterprise products at Guaranteed Rate, to talk about the intersection of product and technology.

Sarah Wheeler: You joined Guaranteed Rate in January of 2023. What drew you to that role?

Kathryn Amor: Their amazing tech stack was a really important factor. They had really great tech — including some proprietary tech — and they were at the leading edge of creating tech around products that I wanted to launch.

SW: As a product leader, how did you think about products coming into a year like 2023?

KA: Coming into 2023, a lot of people were just thinking about survival and there was a lot of movement going on with investors. For me personally, I was walking into a new company so I was looking at: what do we have going on here? What do we need to rebuild? And how do we frame out what the future is going to look like?

I spent a lot of time doing research to understand how to position Guaranteed Rate for the future, to be a center of product excellence, and to leverage all of the technologies that have been put in place to create products and programs that we can monetize. Part of that was also having to completely reconsider how we looked at investors and how we look at sources of liquidity. It was also to find meaning in all the change that’s happening and a new north star because what worked in 2020 and 2021  — and actually for the last 10 years — isn’t what’s going to work in the future.

For me it was a lot about embracing change and how to get other people to embrace change and to see what could be done, because I think there’s a lot of negativity out there. But there’s a lot to be hopeful about. We’re on the brink of seeing that in 2024.

SW: Does this cycle remind you of any other time in housing?

KA: It doesn’t remind me of anything I’ve seen before. If anything, it’s being able to take advantage of opportunities as they’re coming in front of you, and having a more bespoke perspective. I don’t think there’s a one-size-fits-all solution to any of this. In the past, you could come up with big broad solutions that were going to solve for a large swath of people and I’m not saying that some of that doesn’t exist today. But where we differentiate ourselves is in the ability to see opportunities and to take advantage of what’s coming because we’re diversified. And we’re not just serving a single cohort.

The biggest theme is the need to let go of the past and embrace where the future is going to take us.

SW: What was attractive about Guaranteed Rate’s tech stack?

KA: I really like their hybrid model of build your own, combined with some tech that was taken off the shelf. And what I dig about it is that we’re not in any box. We’re going to take the best of the best and not limit ourselves based on any one particular perspective. At the end of the day, Guaranteed Rate really is a fintech company that happens to also do retail lending, which is a very unusual combination. Usually fintech companies tend to be focused on consumer direct and a pure digital play.

I liked that they were trying to solve the problem across a variety of different channels of customer touch points, which I thought was much more relevant to the way that customers want to interact with their loan officers. So sure, some people just want to do online, and we can do that. But there’s also that need to be able to support Realtor partners, to be able to talk to financial planners, to have more of a consultative sales approach.

And then on top of it, Guaranteed Rate was at the cutting edge of automation. As a product person, I have all these dreams and aspirations for all the cool things I’m putting out. And if your tech partner can’t deliver on that because all they do is vanilla, Fannie and Freddie business, that’s limiting. We’re actually solving across all these different products and programs, which really supports my ability to be creative.

And we’re quick — we don’t have all this red tape. And that speed is like a dream come true. So now I feel like I found some real alignment between the ability to dream things and quickly execute a go-to-market strategy and plan that we’re able to implement in a meaningful way. That’s like nirvana.

SW: What are some of the things you have done this year?

KA: We’ve had an amazing year with getting out our reverse product line and we have launched a proprietary non-QM product, which I think is really amazing. We’ve put out 223 new product programs and features this year so it’s been an awesome year.

And we’ve done a lot with affordability, which has been so important in this market. And I don’t just mean like down payment assistance programs, but affordability options when mortgage rates have impacted everyone.

SW: How do you work with the tech team? And where do the ideas for new products come from?

KA: Victor [Ciardelli, Guaranteed Rate’s CEO] is a visionary when it comes to tech, and one of the great things about working with him is that he is so tech-focused. Where I come in and complement that is that I’ve always been super focused on product and how product interacts with tech in order to drive meaningful results and allow us to serve more customers. So Victor sets the direction and really provides the north star, but there’s room for everyone to contribute to how we bring the best version of that out to market.

I’m a firm believer that product is a team sport so I partner closely with the tech team. It takes a range of different amazing people and different ideation to create great product strategy and programs. My job as an executive is to know a good idea when I hear it. My philosophy for product management is to bring smart people in the room and let them all participate in that and raise up the best idea.

SW: Looking back to when you started in the industry, what are some defining moments as far as technology and what technology could mean for product?

KA: The first was when Fannie Mae and Freddie Mac came out with Day One certainty, which started the conversation about what could automation look like and how could we do more to create a better customer experience. That was a moment where I started dreaming and realizing it’s not just about getting rid of the little plastic things on our fingers to flip through the paper. We’re gonna do cool stuff!

And then, when blockchain HELOCs became a thing, I thought about, where does data lead us in this equation? To me, it’s still one of the most interesting conversations because it’s really a conversation about data and ledgers and what that means for how we bring data into the process. Because technology can have all these great ideas, but if we can’t get into a format that ultimately goes into the secondary markets and people are going to buy, this is where the breakdown occurs. And so thinking about how to be part of that long-term solution that could really benefit customers in the long run is cool.

And then recently, of course, seeing that AI is going to be another defining moment. We haven’t really seen how that one’s going to suss out yet but it’s going to change the way we in our industry provide value to our communities. It’s going to completely change the way over time that we fulfill loans and everything else that we do.

SW: One of the products you launched this year was the Rate App, which is focused not just on financial education but overall wellness. What was the thinking behind that?

KA: We often talk about educating people and communities to drive better outcomes, and when I think through that lens of education and empowerment, I see Victor’s vision for the Rate App, which is about financial wellness but also total personal wellness. It allows us to make and maintain a relationship with a consumer by offering a true value to the community that we’re serving — it’s not just a transactional relationship. It also provides a social good that is beneficial to everyone. It’s got meditation and yoga as well as financial education.  

SW: How are you developing products for the next wave of homebuyers?  

KA: When I think about where the future is going, I see a continued diversification and departure from this homogenous customer base that’s a W-2, single-breadwinner household.  

It is very unusual to find a single-income household any longer. Many people have multiple different jobs and there are lots of multigenerational households, so the definition of what it means to earn income and how we provide value to society is really changing.

SW: How do you stay close to the consumer to make sure that there’s a reason for a particular product and it’s not just a cool idea?

KA: I think it’s important to start out with the vibe, but the next step needs to be looking at some facts and data. After doing some digging I might find it’s not as cool as I thought it was, so I like to have a robust process around product development and idea evaluation. It’s important to have a wide net, looking at data, P&L, a cost benefit analysis, then talking to trusted resources and influencers throughout the business to get a pulse on what they think about an idea.

I have a very informal committee structure where I will shop around an idea, pulling data together and just doing a temperature test. And then sometimes it’s also fun to experiment because there’s not always a clear answer. So we’ll try it and see if we’re going to innovate some gold here.

SW: Looking to 2024, what are you excited about?

KA: I am really excited about 2024 because I have spent the last year building out a new team and a product launching structure that I think is going to dominate. And I feel that I’m at the right place, at the right time and with the right company to pull that off.

For the industry at large, I think we’re going to continue to see consolidation in 2024. I think that we’re going to see companies that have been prudent with their finances and made smart tech investment being the ones that succeed. There’s going to be a lot of companies that reinvent themselves. We need highly adaptable companies with prudent capital who are well invested in tech — I think those are going to be the winners in this whole consolidation piece.

Source: housingwire.com

Apache is functioning normally

If you’re exploring career options, pharmacy might have popped up on your radar — and for good reason. Not only can pharmacists command a good salary, they also have job security, as the pharmaceutical industry is one that won’t vanish any time soon.

That said, how much does a pharmacist make? Is it worth all the trouble of going through pharmacy school to become one? Let’s find out.

What Are Pharmacists?

You’ve likely picked up a prescription or two at a pharmacy, but maybe you didn’t give any thought to the person behind the counter. This individual is your local pharmacist, and it’s their job to prepare and dispense prescription medications.

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Pharmacist Job Responsibility Examples

In addition to doling out prescription drugs, pharmacists also consult with patients, provide instructions for how to take medications, and help patients find low-cost medications. Some also give health screenings and immunizations.

Keep in mind, a pharmacist often needs to be outgoing, since their work involves speaking with patients throughout the day. If that’s not your personality, you may want to look into jobs for introverts.
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How Much Is a Starting Pharmacist Salary?

As with most professions, pharmacists tend to earn more money as they gain more experience. But what is a good entry-level salary for pharmacists?

Pharmacists with less than a year of experience generally earn, on average, about $54 per hour. That’s $112,320 per year.

Of course, how much you actually can earn depends on where you live, what your duties are, and whether you work for an independent pharmacy or a chain. It can also help to research the highest-paying jobs by state.

Recommended: Is a $100,000 Salary Good?

What Is the Average Salary for a Pharmacist?

Now that you see what starting salaries are for pharmacists, let’s address the next question: How much money does a more experienced pharmacist make?

Generally speaking, pharmacists are usually paid by the hour. A pharmacist with 10 years of experience earns an average of $67.05 per hour. That adds up to $139,464 per year.

What Is the Average Pharmacist Salary by State for 2023?

The amount you make will depend on where you live, among other factors. Here’s a look at the average pharmacist salaries by state, from highest to lowest.

State Salary
California $161,597
Oregon $155,710
Washington $149,466
New Hampshire $141,041
Nevada $140,869
Maine $139,517
Vermont $137,658
Delaware $136,276
Maryland $135,894
Connecticut $134,175
Alaska $134,044
Massachusetts $131,978
Rhode Island $131,960
New Jersey $131,698
New York $131,594
Pennsylvania $129,724
New Mexico $129,145
Wisconsin $128,918
Minnesota $128,502
Virginia $128,380
Hawaii $128,245
Arizona $126,174
Idaho $125,760
North Carolina $125,068
Michigan $124,768
Colorado $120,986
Illinois $120,887
Kansas $118,122
Ohio $117,573
Kentucky $117,448
Indiana $117,338
Missouri $116,513
Nebraska $116,366
Utah $116,009
South Carolina $115,570
West Virginia $115,339
Texas $115,089
North Dakota $114,359
Georgia $114,118
Tennessee $112,879
Wyoming $112,326
Montana $111,924
Iowa $110,405
Florida $109,106
Alabama $106,271
Mississippi $105,677
Louisiana $102,542
South Dakota $100,246
Oklahoma $98,951
Arkansas $89,660

Source: Zippia

Recommended: Pros and Cons of Raising the Minimum Wage

Pharmacist Job Considerations for Pay & Benefits

Where you live is one factor that can determine how much you earn as a pharmacist. Your on-the-job responsibilities may also play a role. For example, there are different job titles, and each has its own set of responsibilities, requirements, and salary ranges. Examples include:

•   Staff pharmacist

•   Pharmacy specialist

•   Clinical pharmacist

•   Pharmacy manager

•   Director of pharmacy

Some pharmacists may have roles and responsibilities beyond filling prescriptions, such as offering immunizations and health screenings. Some may be in charge of hiring and managing other employees. Some may work in traditional pharmacies, while others may work for companies focusing on chemotherapy, nuclear pharmacy, or long-term care.

Recommended: 25 High-Paying Trade Jobs in Demand

Pros and Cons of Pharmacist Salary

While being a pharmacist can be a rewarding job, there are potential drawbacks to keep in mind. Let’s look at some pros and cons.

Pros of Being a Pharmacist

Naturally, the high salary pharmacists tend to command may be one reason to consider this career path. Because many pharmacists get paid by the hour, they’ll be compensated fairly for their time even if they work more than 40 hours a week.

Another perk is that you may have a flexible schedule that allows you to work part-time or during certain hours. There could even be opportunities to work remotely, which may be useful if you’re working in a rural area.

You might also be able to open your own pharmacy instead of working for someone else. This brings freedom and flexibility to you as a business owner.

Finally, you’ll be a valuable member of your community, since it’s your job to help people on their path to wellness.

Cons of Becoming a Pharmacist

If becoming a pharmacist was easy, everyone would do it! For starters, you’ll need to have about six years of education after high school. And the cost of pharmacy school can range anywhere from $5,000 to $30,000 a year for an in-state public college, or $20,000 to $95,000 a year for a private school.

Depending on your financial situation, this could require you to tap into savings or take out student loans. (Creating a budget while you’re in school or just starting out can help you keep track of where your money is going. A money tracker app can help make the job easier.)

Another possible drawback? Some pharmacies may not guarantee a certain number of hours a week, and in that case, being paid hourly may not come with the big paycheck you’d expect.

Also keep in mind that some pharmacists work long hours, which can have a negative impact on your health and mental wellbeing.
💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.

The Takeaway

If you’re looking for a rewarding and potentially lucrative job, becoming a pharmacist might fit the bill. You’ll help your local community get healthier, and depending on where you live and your level of experience, you could earn competitive pay, too.

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FAQ

What is the highest pharmacist salary?

The state where pharmacists tend to earn the most is California. The average annual income of a pharmacist there is $161,597.

Is it hard to be hired as a pharmacist?

Becoming a pharmacist requires six years of education after high school. The workload is challenging, and pharmacies looking to hire generally have high expectations of applicants.

Photo credit: iStock/ADragan
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Apache is functioning normally

A shift in demographics. Affordable apartments transformed into luxury condos. A coffee shop called something like “Brew Slut.”

The signs of gentrification take many forms. A newly opened art gallery can serve both as a communal space and a harbinger of the displacement to come. Remodeled homes might boost a street’s curb appeal but then drive up rents in the ensuing months and years.

There are plenty of ways to tell when gentrification is coming to a community; rising home prices and an influx of trendy shops are classic omens. But in the modern market, developers are flipping houses at the highest rate since 2000, and the houses they churn out are often homogeneous: boxy, black and white, minimalist. They’re adorned with trendy house number fonts and chic drought-tolerant gardens, and they can be an obvious sign of gentrification on the way.

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Take a stroll through your neighborhood and keep an eye out for these trends. If you spot a few, gentrification may be on the way. If you spot a bunch, it might be well underway.

The gentrification font

If Neutraface starts speckling the homes and fences around your neighborhood, your rent might soar soon.

The sleek typeface and its many knock-offs have become so commonplace that they’ve become a meme, and the Guardian even declared it “the gentrification font.” It crowns countless brand-new builds across L.A., and like certain wines and cheeses, it pairs well with cheaply done fixer-uppers or the aforementioned box houses.

House numbers are presented in a chic font.

(Jack Flemming / Los Angeles Times)

“The Shake Shack font has invaded,” said Steven Sanders, a Highland Park resident who has lived in the rapidly changing neighborhood since 2015. When Sanders moved there, the median single-family home value was around $463,000, according to Zillow. Today, it’s $1.002 million.

There’s nothing specifically wrong with the font; it’s clean, modern and easy to read. Ironically, it’s named after Richard Neutra, an iconic architect who often stressed affordability in his work.

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If a for-sale house has a Neutraface house number, the listing price will probably be anything but affordable.

Gentrification bonus point: if the font is also brass or gold.

Black-and-white paint jobs

This two-story home features a black-and-white exterior.

(Jack Flemming / Los Angeles Times)

Gentrification, in terms of housing, has become a monochromatic movement. Gone are the green-colored Craftsmans or the pink-hued bungalows of old; today, newly built homes are overwhelmingly white, black or a brutal combination of the two.

“Taste aside, a black house in an era of climate change is ridiculous,” said Adam Greenfield, a transportation and land-use advocate.

Gentrification bonus point: if a black-and-white exterior comes with an accent door — a splash of bright blue, yellow or turquoise to showcase that the property isn’t completely devoid of character. Just mostly devoid of character.

Excess security cameras

Multiple cameras are posted outside an Eagle Rock home.

(Jack Flemming / Los Angeles Times)

If you’re taking a stroll down your street and feel watched — not by anyone specific, but by a small army of Ring doorbells, Nest cameras and other electronic eyes making sure you don’t pick a Meyer lemon or your dog doesn’t defecate on the decomposed granite — brace for a new brand of neighbor.

Surveillance systems and the context behind them, in which owners view their neighbors and passersby as potential package-stealers, are all too common in gentrifying communities. For if it were truly a high-crime place, there would still be chain link and barred windows.

There’s plenty of evidence that smart doorbells lead to racial profiling, and while there’s nothing inherently wrong with security systems, they generally detract from the community feel instead of adding to it.

“It’s the degradation of the social fabric that for so long we all took for granted,” Greenfield said. “It’s legitimate to walk up to a neighbor’s door to ask for or offer something, and security cameras and warning systems discourage that. We can’t let fear win in our society.”

Gentrification bonus point: if they come with a speaker with a disembodied voice that barks at passersby in a condescending tone: “Hi! You are currently being recorded.”

Privacy fences

Sometimes, surveillance systems aren’t enough. Many modern homeowners moving into new neighborhoods don’t even want to be seen by neighbors, so they install privacy fences or towering hedges to shield themselves from anyone walking by.

Greenfield calls them “f— you fences.”

“Many people were raised in the suburban sprawl, where they don’t have as much access to other people. Then they move to denser areas and import those suburban norms of separation and privacy,” Greenfield said.

Lola Rodriguez, a Lincoln Heights resident who grew up in the area, said if a home in the neighborhood is ever hidden from view, it’s usually someone who just moved in.

Gentrification bonus point: if the privacy fence is chic and stylish, like the horizontal trend that has taken over in some areas.

Box houses

This modern five-bedroom home listed by Avo Atnalian in the hills of Highland Park is on the market for $2.498 million.

(Avo Atnalian)

One of the more uninspired architectural trends of the last century, modern box houses forgo attempts at character or ornamentation, instead serving as shrines to simplicity. They worship at the altar of minimalism, squeezing out as much square footage as zoning laws will allow.

They’re clean, they’re simple, and they’re a likely sign that a new demographic is moving into a neighborhood.

“It’s jarring seeing a bright white box house jammed between older houses with more character,” Rodriguez said. She prefers the neighborhood’s stock of century-old bungalows over the new homes being built.

The polarizing style isn’t for everyone, but it’s a hit for deep-pocketed buyers eyeing extra space. And box houses are quicker and cheaper to build for profit-minded developers, who will keep cranking out supply as long as there’s demand.

Gentrification bonus point: if the box house includes a glass garage door.

This modern home features a glass garage door.

(Jack Flemming / Los Angeles Times)

Drought-tolerant gardens

To be clear, the ecological benefits of drought-tolerant landscaping make it a net positive for Southern California. Limited water usage is absolutely a good thing.

But such gardens aren’t always cheap, and if they start popping up in neighborhoods where most residents can’t afford to spend thousands of dollars, sometimes tens of thousands, on their yard, it could be a sign of gentrification.

Most carry the same look: a handful of shrubs, succulents and cacti surrounded by gravel or decomposed granite, giving it a sandy, desert-like quality.

Drought-tolerant plants outside an Eagle Rock home.

(Jack Flemming / Los Angeles Times)

Kerry Kimble and Steven Galindo, two real estate agents with the Agency, said they’ve noticed an increase in drought-tolerant gardens in neighborhoods such as Echo Park, Highland Park and Silver Lake, where displacement has already been happening for years.

The majority of Kimble’s listings are in northeast L.A., and she said she’s noticed a surplus of succulents.

Galindo said some developers add drought-tolerant gardens to attract potential buyers.

“Developers remodel homes for the taste of the gentrifier,” he said.

The pair are currently listing a 106-year-old duplex in Angelino Heights, a neighborhood protected by a Historic Preservation Overlay Zone, which preserves a community’s architectural feel by limiting new building designs and renovations. But not every neighborhood enjoys such protection.

Firestick plants fill the gardens of many homes in gentrified neighborhoods.

(Jack Flemming / Los Angeles Times)

Gentrification bonus point: if the garden is riddled with Firestick plants — the trendy, orange-tipped succulents that seem to anchor every lawn in those “up-and-coming” neighborhoods.

Little Free Libraries

Listen, these are lovely. Unlike surveillance systems and privacy fences, little libraries actually evoke a sense of community, bringing neighbors together over a shared love of literature (even though most generally seem to be stocked exclusively with James Patterson novels and unreadable how-to books).

A Little Free Library is posted outside a home.

(Jack Flemming / Los Angeles Times)

The charming, birdhouse-like structures certainly don’t cause gentrification, despite what a handful of critics have claimed over the years. But they definitely seem to be a product of gentrification, usually popping up in areas where home prices are rising and well-to-do residents are moving in.

Gentrification bonus point: if a smart doorbell camera watches over the library, making sure nobody takes more than their fair share of books.

Pointed listing language

Sometimes, the clearest sign of gentrification is hearing how people are talking about a neighborhood and the homes within it. There’s a wealth of such examples posted daily on Zillow, Redfin and other listing sites as real estate agents take on certain tones to market properties to potential buyers.

For example, if a listing brags about the home being some kind of port in a storm, a refuge from the area around it, a ship of gentrifiers might be sailing in. One listing in Boyle Heights is touted as an “urban oasis.” Another in South L.A. promises to add “a touch of serenity to urban living.”

Also pay attention to whether a listing is marketed as an actual place to live or simply an investment opportunity. This listing near Leimert Park asks potential buyers to “come see your future investment today.” An Elysian Heights listing touts its use as an Airbnb.

Gentrification bonus point: if the language sounds like an extra flowery wellness ad, such as this listing in East L.A.: “Imagine stepping into a world where every corner whispers tales of renewal.”

Source: latimes.com

Apache is functioning normally

Graduating college is a big deal. The time you spent in school has likely taught you a lot about the subjects you studied, being organized and meeting deadlines, and life in general. Once you have your degree, you’ll put those skills to good use as you embark on your career and independent life. No more dining hall, no more dorms…it’s time to launch adult life and figure out how to make your own way.

To help you deal with some of the basics (like a job and banking), read on. You’ll find valuable tips to help you through the first steps of post-grad life.

Life After College

Congrats on your degree! Now, on to the next challenge after graduating college. It’s time to tackle adulting, which can include such things as getting set up in your new living situation, finding your favorite brunch spot, and making new friends if your college pals have scattered to different places.

In addition, there are some major daily-life tasks to wrangle:

•   Finding and holding a job

•   Taking control of your health and your health insurance

•   Keeping your brain active, which may lead to more studies

•   Managing your money.

Read on to get some helpful advice on these last four topics (you can probably find the best brunch spot in your new neighborhood without too much help).
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Getting to Work

Hopefully you enjoyed a few weeks off post-grad to travel or kick back and relax after four years of hard work. But what to do after college for many people is find work.

When you’re ready to begin your job search, it can be a lot to process. Chances are, it’s time to focus on taking steps towards building your career.

First off, don’t let job searching stress you out. New grads are in luck. Unemployment is low, and the labor market is strong. According to a recent survey by the National Association of Colleges and Employers, companies expected to hire almost 4% more class of 2023 grads than they did from the previous class.

Not sure where to look for work or what you should be earning? Research, network, and research some more.

•   Your school’s career services office may provide job leads, and its alumni office may be able to network you with people in your field who can share insights.

•   Search for jobs online. There are many job boards, such as Indeed and ZipRecruiter, to access.

•   Put out the word among friends, families, past internship supervisors, and others.

•   To gain intel on starting salaries, try an online salary calculator. You provide some basic info like your location and experience, and their tool tells you what the average salary for your desired role is. While this tool can only provide an estimate, it may help you determine if you should try to negotiate for a higher salary when you receive a job offer.

Taking Your Health into Your Own Hands

As part of learning how to navigate life on your own, make sure you take the reins of your healthcare. Mom and Dad likely aren’t scheduling those biannual dental checkups for you anymore.

Whether you’re still on your parent’s policy or are buying your own health insurance, getting more familiar with the resources your healthcare plan provides is never a bad idea.

It can help you stay on top of scheduling check ups, dental cleanings, and eye exams. You may also need to learn the ropes of finding in-network doctors as you move to a new place or get your own policy.

And you might want to start saving for any unexpected medical or dental bills that may arise. Having an emergency fund at the ready can be an important step to financial wellness in this new chapter of your life.

Speaking of wellness: You may feel swamped by post-grad life, but it’s such an important time to prioritize your well-being. It might be helpful to make time to go to the gym each week, meditate, cook healthy meals, and get a good night’s sleep. Getting into good health habits is an excellent adulting accomplishment.
💡 Quick Tip: Refinancing could be a great choice for working graduates who have higher-interest graduate PLUS loans, Direct Unsubsidized Loans, and/or private loans.

Continuing Your Learning

It’s normal after college to need a little break from learning. For the first time in your life, there is no one telling you what to read or what classes you have to take. But once the dust has settled and you’ve had a rest from hitting the books, you might try to prioritize learning. Not only does it keep your brain sharp, it can also help boost your career.

For example, you could consider obtaining a professional license related to your career or industry. According to the most recent intel from the Bureau of Labor Statistics, 24% of workers have some sort of professional license or certification. Having one may give you a competitive boost at work or while job searching. You can go the extra mile to develop more skills needed in your career through an online class or professional conference.

What’s more, additional learning and training could lead to a profitable side hustle or gig work. For instance, you might be able to pick up extra cash during tax season supporting professional tax preparers.

Learning-wise, not all of what you do after graduation has to go towards career advancement, of course. Take that cool history of film class at your local community college. Join a book club or just load up your bookshelf with books you’re dying to read. Exploring your passions can help you feel motivated, fulfilled, and inspired. Now is the time in your life to open doors, not close them.

Recommended: What Should I Do After My Master’s Degree?

Getting Your Finances Organized

Once you graduate from college and join the working world, it’s likely time to look at whether your current banking partner suits your needs.

It can be a wise move to look for a bank that offers a good interest rate on your deposits, convenient access, and tools that help you track your money in a quick and convenient way.

As you organize your money (and don’t forget to start that emergency fund mentioned above), you may realize that one expense that may really be bringing you down is your student loan debt payments.

The average federal student loan debt is currently $37,338, according to the Education Data Initiative. Is student loan debt weighing you down? There are a few strategies you can use to help pay off your student loan debt quicker. You might start your journey to a student loan-free life by creating a monthly budget that can help you get out of debt.

•   To create a budget that can assist with paying off debt, you could start by gathering all of your bills and recent receipts. Review exactly what you need to spend on necessary living expenses (rent, food, health insurance, minimum debt payments), how much you are spending on the wants in life (travel, entertainment, clothing), and how much you can save or put toward additional debt payment.

•   There are different budgeting methods, and it’s a good idea to spend a bit of time finding the one that works for you. For instance, you might like the 50/30/20 budget rule, which says to allocate 50% of your take-home pay to necessities, 30% to wants, and 20% to savings and extra debt payoff.

Whichever technique you choose, do compare the cost of your living expenses to your paystubs to see how much you can afford to pay towards debt each month. Creating a budget can help you not only pay off your debt, but avoid accumulating more debt in the future.

Recommended: Which Debt to Pay Off First: Student Loan or Credit Card?

The Takeaway

Once you have your monthly budget under control, you might be considering refinancing your student loans as part of how you navigate life post-college. You may be able to lower your interest rate, lower your monthly payments by extending your repayment term, or release a co-signer from a previous loan.

Do note that lengthening your repayment term can increase the interest you’ll pay throughout the life of your loan.

Refinancing comes with many benefits, but keep in mind that you lose federal benefits and protections when you refinance federal loans with a private lender. But if you are not planning on taking advantage of these benefits, refinancing might be for you.

Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.

With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.

SoFi Student Loan Refinance
If you are a federal student loan borrower, you should consider all of your repayment opportunities including the opportunity to refinance your student loan debt at a lower APR or to extend your term to achieve a lower monthly payment. Please note that once you refinance federal student loans you will no longer be eligible for current or future flexible payment options available to federal loan borrowers, including but not limited to income-based repayment plans or extended repayment plans.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

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.

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Source: sofi.com

Apache is functioning normally

When your pet faces a medical issue, your vet may prescribe a special diet to help manage the condition. While prescription pet food can be a critical part of your furry friend’s treatment plan, it can also come with a hefty price tag. If you’re wondering whether pet insurance covers the cost of prescription pet food, the answer is: It depends on the provider.

What is prescription food for pets?

Prescription diets are formulated to address specific health conditions in pets, ranging from allergies to kidney disease. Unlike regular pet food, these generally require a vet’s prescription, ensuring they’re fed to pets who genuinely need them.

Why might my pet need prescription food?

Your vet might recommend a prescription diet if your pet has conditions like:

  • Arthritis.

  • Food allergies.

  • Kidney issues.

  • Heart problems.

These diets cater to the pet’s unique nutritional needs and can help manage or treat their condition. They usually come with a higher price tag than standard pet food.

Does pet insurance cover prescription pet food?

Some pet insurance plans cover prescription food, but it’s important to read the fine print. Your policy might cover prescription diets under certain conditions or up to a specific limit.

Pet insurance company

Covers prescription food in standard plan?

Covers prescription food through add-on?

Sometimes.

Nationwide

Sometimes.

Sometimes.

AKC’s prescription food coverage

AKC won’t cover most pet food, but it makes an exception for prescription diets used as the sole treatment for a covered condition. So if your veterinarian prescribes a special diet to manage your pet’s condition, AKC will consider covering the cost.

Embrace’s prescription food coverage

Embrace generally doesn’t include prescription food coverage in its standard insurance plans. One exception may be if your vet prescribes a certain type of diet for hyperthyroidism in cats. But if you enroll in the optional Wellness Rewards program, you can get reimbursed for prescription diets purchased through your vet. The Wellness Rewards program also covers other routine expenses like wellness exam fees and vaccines.

Figo’s prescription food coverage

Figo offers optional “Powerups” that you can add to its standard accident and illness plan. One of them reimburses you for vet exam fees and will pay up to $250 per policy term for food prescribed as the sole treatment for a covered illness. So if your dog is diagnosed with an ailment that requires a special diet and your vet prescribes a therapeutic food as the only treatment, this rider can help offset the cost.

MetLife’s prescription food coverage

MetLife covers prescription pet food from a veterinary provider under its standard accident and illness plan in most states.

Nationwide’s prescription food coverage

Nationwide may cover prescription food under certain plans or with an extra rider. If it’s included, the food must be a therapeutic diet prescribed by a veterinarian to treat a covered medical condition. Your vet may need to provide Nationwide with details about the type of food, which condition it’s treating and how much you should feed your pet.

Pets Best’s prescription food coverage

Pets Best doesn’t cover prescription pet food or supplements.

Spot’s prescription food coverage

Spot’s core pet insurance plan includes coverage for prescription food and supplements when they’re prescribed by a licensed veterinarian to treat covered conditions. The policy reimburses actual costs for these prescription foods, up to the limits specified in your policy.

However, Spot doesn’t cover prescription food used for general maintenance or weight management, or any food you can buy without a vet’s prescription.

Trupanion’s prescription food coverage

Trupanion covers prescription pet foods for dogs and cats when they’re prescribed by a licensed veterinarian for the treatment of a covered illness or injury. This coverage reimburses 50% of the cost, minus any deductible. But the policy covers only the first two months of the prescribed diet. After that, you’ll pay the full cost out of pocket.

🤓Nerdy Tip

Pet insurance often excludes pre-existing conditions. So if your pet was already on a prescription diet before you bought your policy, it probably won’t be covered.

How does coverage for prescription food work?

First, check your policy details to make sure prescription food is covered and see what restrictions apply. To find this information, look in the fine print and read through your plan’s endorsements.

Typically, your vet must prescribe the food for a specific medical condition affecting your pet. It usually can’t be for general health or weight management.

If it’s covered, you’ll generally pay upfront for the food and then submit a claim to your insurance company. The insurer would reimburse you according to your plan’s terms.

For example, if your dog develops kidney disease, your veterinarian may prescribe a special low-protein diet. After buying the prescribed food, you’d submit the receipt and any other requested documentation to your insurer. Depending on your plan, you might be reimbursed for a percentage or up to a certain limit of the food’s cost. If you haven’t met your deductible, the insurer may subtract that amount from your claim payout.

Other ways to save on prescription food

Prescription pet food can be a game changer for pets with certain health issues. But if your policy doesn’t offer coverage, there are other ways to make these diets more affordable. Consider:

  • Buying in bulk or during sales.

  • Joining loyalty programs or subscribing to regular deliveries for discounts.

  • Exploring homemade diet options (with guidance from your vet).

Source: nerdwallet.com

Apache is functioning normally

It’s notoriously exhausting to find housing in L.A., but landing a place in La La Land is always worth the endeavor. To expedite the process for you, we’ve rounded up some of the best apartments in Los Angeles, all of which offer amazing amenities and an unparalleled city experience.

Whether you’re looking for towering luxury complexes, lowkey Hollywood bungalows or something in between, we’ve got you covered.

Here are the top 25 apartments to rent in Los Angeles.

Situated in one of L.A.’s most beloved neighborhoods, Radius Koreatown offers some pretty sweet amenities. Here, you’ll have in-unit laundry, pristine hardwood floors, incredible city views, a gym and a pet grooming service at your disposal.

Plus, Radius is also within walking distance to the Wilshire / Normandie and Wilshire / Vermont Los Angeles Metro subway stops, as well as unique bars and Korean restaurants.

To begin, tucked between iconic neighborhoods like Silver Lake and Koreatown, CitiZen offers spacious, sunlit floor plans overlooking Virgil Village’s burgeoning creative scene.

Equipped with amenities like a swimming pool, fitness center, private balconies and coffee club, this community offers Angelenos a mix of luxury and affordability that’s hard to find elsewhere.

Yes, the average one-bedroom apartment in Los Angeles will run you $2,976. However, CitiZen offers two-bedroom floor plans starting at $2,890 per month.

This massive, glittering highrise is aptly named — one-bedroom floor plans start at, well, almost $10,000 per month.  Tucked away at the edge of Beverly Hills and Century City, these luxury apartments not only come furnished upon request but also boast amenities like basketball courts, a swimming pool, business center, tennis courts, sauna, barbecue area and clubhouse.

Nestled in the very heart of Koreatown, The Vermont is hard to miss. This sprawling glass highrise offers Angelenos everything they might need, including a swimming pool, a newly renovated interior and a rooftop lounge. Also, cats and dogs are welcome here, too (with a $500 deposit per pet).

First off, with views overlooking Koreatown and the Hollywood Hills, St. Andrews Manor possesses a distinct historic charm reminiscent of the East Coast. This red brick building has a fully renovated interior and custom cabinetry to add to its charisma. Also, rental prices include all utilities, and it’s dog- and cat-friendly.

Angelenos looking to live in luxury are sure to find everything they need at the Orsini. This elegant, Mediterranean-inspired building offers studio, one- and two-bedroom apartments boasting nine-foot ceilings and private balconies to boot.

Situated between Downtown and Echo Park, it’s hard to beat the Orsini’s location. Tenants can easily stroll up Sunset to grab a cappuccino at Eightfold Coffee, drive Downtown to restaurants and bars or catch a baseball game at Dodger Stadium.

Located in L.A.’s Westwood neighborhood, the Den on Levering is the perfect mix of modern luxury and Westside charm. The Den offers residents decks with sprawling views. Also, the fireplaces and sophisticated granite countertops are a perfect addition. Plus, it’s minutes from the University of California Los Angeles and Westwood Village, hugging the 10 and 405 freeways for easy access to the city.

The Glendon is another Westside luxury apartment complex, boasting amenities like an edgeless infinity pool and walk-in closets. Also, and don’t forget to check out the stunning courtyard — it is home to a soothing trickling fountain, plus elegant outdoor foliage.

Located in the northern section of Hollywood, Fleur de Lis, built in the 1930s, is a true Art Deco gem. This beautiful building consists of two duplex penthouse apartments, as well as studios and one-bedroom floor plans. Utilities come included in the rental price at Fleur de Lis.

Steps away from the Hollywood Walk of Fame, the Havenhurst is slightly reminiscent of Parisian apartments, complete with an elegant courtyard and water fountain. The Havenhurst offers affordability at the heart of Hollywood’s hustle and bustle, making it perfect for those looking to explore L.A.’s extraordinary entertainment scene.

Spacious and modern, Junction 4121’s floor plans are streaming with light trickling over the Hollywood Hills. New hardwood flooring and Instagram-worthy appliances are just some of the perks of living in this swanky apartment complex; it’s located in Silver Lake, one of L.A.’s most sought-after neighborhoods. Be aware that the price here is much steeper than average (a one-bedroom will run you between $3,109 and $4,027 a month).

If you want to live in La La Land à la Zooey Deschanel, look no further. Much of the hit series “New Girl” was filmed at Binford Lofts, an industrial warehouse-turned-loft in the middle of the Arts District. Exposed brick, concrete beams and open floor plans give these apartments their distinct flair. All in all, you will find easy access to breweries, coffee shops and art spaces here — making it the ultimate place for creatives to call home.

Barrington Plaza will make you feel like you live in a five-star resort year-round. Spacious, modern interiors complete with balconies give this Silicon Beach property its home-like touch. Additionally, check out the Olympic-sized swimming pool, tennis courts, basketball courts and breakfast bar — a perfect touch to everyday living.

Surrounded by lush greenery, a swimming pool and a serene courtyard, the Fontenoy feels like Hollywood’s very own hidden garden oasis. A studio will average $1,695 per month here, while a two-bedroom penthouse suite goes for $3,050 per month.

Conveniently located near the 10 Freeway, Zoe Loft Apartments offer sophisticated, modern interiors and proximity to L.A.’s major shopping destinations, like the Grove, Platform and Beverly Center. In addition to its location, this complex also boasts a rooftop deck, expansive city views and a swimming pool.

Nature lovers will feel right at home in Rancho Los Feliz, due to it bordering the famous Griffith Park and the Los Angeles River. Canopied with lush trees and greenery, this complex also offers easy access to the Los Feliz golf course and unparalleled shopping and dining experiences in Atwater Village, too.

LEVEL Furnished Living apartments are just about the best Downtown L.A. has to offer, with open-concept floor plans, gourmet kitchens and envy-inducing city views. It’s walking distance from much of DTLA’s historic theaters, bars, restaurants and shops. Plus, it’s equipped with top-of-the-line fitness and wellness centers.

First, Park La Brea promises a proprietary blend of “luxury, recreation, culture and convenience,” and it definitely lives up to its word. Outfitted with granite countertops, parquet wood floors and a saltwater swimming pool, Park La Brea is a true Mid City gem. Plus, these apartments are right across from the Grove shopping center and the Los Angeles County Museum of Art.

L.A. techies live large at Playa Summit, which flaunts features including soaring cathedral ceilings, an in-complex movie theater, a library, a clubhouse and fitness centers. Though Playa Summit is close to the action of Silicon Beach, it’s located in a quiet neighborhood, so you don’t have to sacrifice serenity for convenience.

Firstly, charming, tree-lined bungalows in the middle of Hollywood are just about as good as it gets. Hollywood Off Vine is just minutes away from this iconic neighborhood’s landmarks, as well as everyday necessities like restaurants, shops and parks.

Firstly, Piccadilly might as well be named the Koreatown Castle because that’s precisely what this beautiful building looks like. Complete with peaked towers and elegant archways, Piccadilly resides in Koreatown’s calmer quarters, making it a prime location for K-Towners who enjoy their peace and quiet.

Heads up, jet-setters: If you’re a frequent flyer, consider Concourse, a resort-style community close to Los Angeles International Airport. Choose from furnished or unfurnished apartments and enjoy the complex’s swimming pool, hot tub, state-of-the-art fitness center and coworking lounge. Some units are co-living suites, while others are for those flying solo.

The Barclay is yet another historic Koreatown icon. Complete with an elegant courtyard and renovated interiors, you’d never guess this building is pushing 100 years old. You can find studio, one-bedroom and two-bedroom floor plans here, ranging from $1,025 to $1,795+ monthly.

The Langham Apartments are just a stone’s throw away from the Barclay. Additionally, they offer a similarly elegant, luxurious feel with a twist of affordability. Come for the Hollywood royalty-era nostalgia; stay for the views. Oh and, all utilities are included here.

North of Koreatown, Gramercy Towers apartments are the peak of classic luxury and modern comfort. All in all, one step into the building’s lobby transports you back to the roaring 20s, while the building’s spacious floor plans and sweeping city views remind you: You’re here now, and you made it to L.A.

The best apartments in Los Angeles

Life in L.A. might move fast, but there’s nothing like coming home and winding down in one of the city’s most sought-after apartments. From upscale penthouse views to historic K-Town charm, each apartment offers an extraordinary taste of SoCal city life that’s hard to find elsewhere. Find apartments for rent in Los Angeles today.

We looked at all available multifamily rental property inventory from January to June 2021 on Rent. to determine which properties with a Los Angeles mailing address are most viewed by organic internet searches. The information included in this article is used for illustrative purposes only. The data contained herein does not constitute financial advice, availability or a pricing guarantee for any apartment.

Source: rent.com