10 Things to Know About Living in Salt Lake City

When you think of big cities, Los Angeles, Chicago or New York likely come to mind. Salt Lake City — the capital of Utah — isn’t the most frequently talked about “big city” in the country. That being said, it is up and coming and has a lot to offer those who are considering making the move.

While Utah is a predominantly conservative state with a strong religious culture, it offers a wide mix of neighborhoods. The charming neighborhoods scattered throughout the city are full of boutiques, small businesses and appealing restaurants that will make you want to eat out every meal.

Salt Lake City also has many schools — elementary through college and university — for people who are looking for a great education for their children or themselves. The city is also becoming more popular thanks to Silicon Slopes, the tech hub just south of the city center. The cost of living in Salt Lake City is relatively inexpensive when compared to larger cities, too.

There are always pros and cons when moving to a new city. Here are 10 things to know about living in Salt Lake City before you make your decision about moving to the Beehive State.

1. The weather can change quickly

Salt Lake City experiences all four seasons. People who live here often joke that the weather changes every 20 minutes. It can be freezing and snowing in the morning and then hot by noon. Some of the ski resorts have even been open on the Fourth of July! People can ski in the morning and spend the afternoon soaking by the pool.

Each season offers something truly fantastic for residents of Salt Lake. The winters are filled with crisp, white snow and brisk air. Fall is perfect for light jacket weather, and the changing leaves are spectacular in every canyon. Spring welcomes a much-needed break from the cold with perfect temperatures and beautiful blooming flowers. The summer comes all at once, hot and blistering making you long for the cold winter days. But no matter the season, S.L.C. is always beautiful.

salt lake city

2. It’s cheaper than other big cities

Compared to large, metro cities across the nation, the cost of living in Salt Lake is relatively inexpensive. The average rate for rent of a one-bedroom apartment dropped 11 percent between 2019 and 2020. Here’s a quick look at 2020 apartment costs in S.L.C.:

  • Studio apartment: $1,129
  • One-bedroom apartment: $1,245
  • Two-bedroom apartment: $1,565

Other utilities and expenses, such as food, gas and groceries, are all reasonably priced in Salt Lake City, too.

3. It’s not all Mormon (but there is a lot)

To understand the culture of Salt Lake City and Utah, you have to know a little about its history. In the year 1847, a group of Mormon pioneers trekked to Utah pulling wagons and handcarts and settled in the valley. For the next several decades, many more wagons full of Mormons followed as they escaped religious persecution back East. Because of this, the majority of residents in Utah are Mormon or have a family history rooted to the LDS church.

That being said, there are still plenty of other religions in the state. Salt Lake City is an ever-changing place with hip, up-and-coming liberal areas, such as Sugar House and nearby resorts like Park City. The city has also recently been named one of the best places for millennials in the country.

Conservative or not, there’s a spot for you in Salt Lake City.

4. There’s a real food scene

Green Jell-O may be the first thing that comes to mind when you think about the food in Salt Lake City. However, Salt Lake City boasts a diverse restaurant scene. You can find anything from Mexican food to French bakeries to authentic Japanese food within a block from each other.

Restaurants like Sapa in downtown Salt Lake put a modern twist on Japanese favorites. If you’re in the mood for a café where you can sit down, drink coffee and pretend you’re in Paris, try Eva’s Bakery located on Main Street in the heart of the city. Their pastries never disappoint. Or, try the nationally acclaimed Mexican restaurant Red Iguana.

Utah also has food that can’t be found anywhere else, such as fry sauce. The delicious blend of ketchup and mayo is the perfect fry accessory and will leave you wondering why you can’t find it elsewhere.

5. “The best snow on earth”

When driving through S.L.C., you’ll probably stumble upon a license plate that reads “The Best Snow on Earth.” That’s because, among other things, Utah is known for its incredible mountains and ski resorts. Every year, the mountains get an abundance of powdery snow. According to Ski Utah, the Utah Cottonwood Canyons are one of the snowiest places on earth. The weather and climate in Utah create the perfect powder that makes your skis glide down the mountain flawlessly.

One of the best things about skiing in Utah is that the resorts are all relatively close to Salt Lake City, and there are a lot to choose from. Places like Deer Valley Ski Resort bring in people from all over the world — this was one of the ski resorts that hosted the 2002 Winter Olympics.

Although this particular resort doesn’t allow snowboarders, there are plenty of other resorts that do, like Brighton. Ski season can last anywhere from November to late April and sometimes even longer. If you like outdoor activities in the winter, you’ll love living in Salt Lake City.

utah skiing

6. The mountains are also great in the summer

When people aren’t skiing the mountains, they’re hiking them as Salt Lake City is close to a lot of trails — give or take 30 minutes from the city center to the top of the canyon and trailheads. There are moderate trails, such as Neffs Canyon, that are dog friendly to more difficult trails like Mount Olympus. These trails make for a great way to spend your spring afternoon. Hike in the morning and watch the sunrise — or midday and take a second to enjoy the view.

7. The sports scene is underrated

Utah’s sports scene includes some professional teams, several minor league outfits and colleges to support. In the heart of downtown Salt Lake City is the Jazz — the state’s NBA team. Catch a game during the season and watch stars like Donovan Mitchell and Rudy Gobert in action.

If basketball isn’t your thing, check out a soccer match and cheer on Real Salt Lake. Other sports teams native to Utah are the baseball team, The Bees, and the hockey team, The Grizzlies. You can also check out a rivalry game between BYU and Utah during college football season. No matter your sport of choice, you can enjoy a hot dog and churro and cheer on your sports team.

8. Transportation and traffic isn’t that bad … usually

Traffic in Salt Lake is moderate. There are, of course, areas that see heavier traffic, especially if you’re heading southbound out of S.L.C., but on the whole, it’s not that bad. The streets in Salt Lake feel massive compared to other cities around the world. When Salt Lake was built, the roads had to be big enough that a wagon being pulled by ox could make a full U-turn. The city’s grid-like roads enable drivers to get around the city without confusion.

9. The air quality is surprisingly not great

One of the major cons of living in Salt Lake City is air quality. According to IQAir, S.L.C. has some of the worst air quality in the country. Part of the reason is its location in a valley that traps the pollution, making it difficult to cycle in new, clean air. Winter is the worst season for air pollution in the city, but the pollution fluctuates year-round.

salt lake city tourist attractions

10. The city is full of must-see places

Living in Salt Lake City gives you the advantage to see all that the state has to offer. In the winter, no matter your religious or spiritual beliefs, the Temple Square Christmas lights are a must-see. They bring to life the twinkle and magic that is the holiday season.

Park City is also a beautiful place to escape from the city during the winter. During the Sundance Film Festival, you might even spot a celebrity or 10. Southern Utah is also a must-visit. Utah has five national parks within a three- to four-hour drive from the city center — places like Zion, Bryce Canyon and Moab offer breathtaking views and scenery that just can’t be duplicated.

Living in Salt Lake City

There are so many pros to picking Salt Lake City as your place of residence. From all the outdoor activities to the diverse food scene, there’s something for everyone in Salt Lake City. You’ll enjoy the four seasons, the people and the opportunities that are present for everyone here.

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.com’s multifamily rental property inventory of one-bedroom apartments. Data was pulled in November 2020 and goes back for one year. We use a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

The post 10 Things to Know About Living in Salt Lake City appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

Apartment Highlights: Aura Pentagon City

Camden Midtown Houston Apartments Property Highlight

Sponsored Post-All images provided courtesy of Polinger Management Company

Apartment Community Spotlight: Aura Pentagon City

Aura at Pentagon City is the destination address that proves you don’t have to live in the District of Columbia to be a true resident of the nation’s capital. Your new address is the center of the DC Metro area, including all commuter routes and, of course, the area’s parks, shopping, dining, and nightlife options. A quick walk–just blocks from either the Pentagon City or Crystal City Metro and you’re home!

Choose a beautiful studio, one or two-bedroom apartment home that’s designed just the way you like it, with just enough space for your needs. Apartment homes range in size from 519 square feet to 1,243 square feet and with nearly 20 options to choose from, you’re sure to find a floorplan that suits your life. And our favorite feature; they’re pet-friendly! 

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Aura Pentagon City truly makes residents feel at home. They treat residents with high-end customer service, regardless of the situation. In addition to the wonderful team at Aura Pentagon City, the community amenities are top-notch. Whether you value underground parking, outdoor space, a business center, valet dry cleaning, rooftop pools and sundecks, on-site maintenance, fitness center, and even a dog park for your four-legged friend,  they have it all — and more.  Two resort-style pools, a fully equipped fitness center, and concierge are our favorites! Additionally, there is on-site parking, trash and recycling, and on-site dry cleaning. Can you think of anything missing from this community, because we can’t!

 

All in all, Aura Pentagon City is our community of choice when it comes to the Pentagon City neighborhood. The lux amenities, stellar service, and its central location are our main reasons why we love it. If you are looking into making Arlington, Virginia your home, Aura Pentagon City should be at the top of your list – we promise you’ll love it!

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Read Apartment Highlights: Aura Pentagon City on Apartminty.

Source: blog.apartminty.com

Is Being Debt Free Worth it?

I had a great talk with Millennial Money Man yesterday and my favorite piece of advice he gave me was to “write what you’re passionate about.” It took me literally five seconds to think of the one thing I’m really passionate…

The post Is Being Debt Free Worth it? appeared first on Modern Frugality.

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The Best Student Loan Companies For Refinancing

Refinancing your student loans can make good financial sense, and that’s especially true if your current loans are stuck at a high-interest rate. With a new loan at a lower APR, you could save a bundle of money on interest each month and ultimately pay your student debt off faster. Consolidating several loans into one new one can also simplify your financial life and make keeping up with bills a lot easier.

College Ave and Earnest topped our list, but since student loan refinancing is an incredibly competitive space, you’ll also want to spend time comparing student loan companies to see who offers the best deal. Many lenders in this space offer incredibly low APRs, flexible payment options, borrower incentives, and more. This means it’s more important than ever to shop around so you wind up with the best student loan for your needs.

What You Should Know About Refinancing Federal Student Loans with a Private Lender

The lenders on this list can help you consolidate and refinance both federal student loans and private student loans. However, there are a few details to be aware of before you refinance federal loans with a private lender.

Switching federal loans to private means giving up federal protections like deferment and forbearance. You also give up your chance to qualify for income-driven repayment plans like Pay As You Earn (PAYE) or Income Based Repayment (IBR). Income-driven repayment plans let you pay a percentage of your discretionary income for 20 to 25 years before ultimately forgiving your remaining loan balances, so this perk isn’t one you should give up without careful thought and consideration.

Best Student Loan Refinancing Companies of 2021

As you start your search to find the best student loan for your lifestyle, take the time to compare lenders and all they offer their customers. While there are a ton of reputable companies offering high-quality student loan refinancing products on the market today, there are also companies you should probably steer clear of.

To make your search easier, we took the time to compare most of the top lenders in this space in terms of interest rates offered, fees, borrower benefits, and more. The following student loan companies are the cream of the crop, so you should start your search here.

Our Top Picks:

  1. Splash Financial
  2. College Ave
  3. Earnest
  4. SoFi
  5. CommonBond
  6. LendKey
  7. Wells Fargo
  8. PenFed Credit Union

Student Loan Refinancing Company Reviews

1. Splash Financial

Splash Financial may be a newer company in the student loan refinancing space, but their offerings are competitive. This company lets you check your rate online without a hard inquiry on your credit report, and their variable rates currently start at just 2.25% APR.

Not only are interest rates offered by Splash Financial industry-leading, but the company has a 95% customer satisfaction rate so far. Their cutting-edge technology also lets you apply for your loan and complete the loan process online, meaning less hassle and stress for you as the borrower.

Check Out Splash Financial’s Low Rates

2. College Ave

College Ave offers student loan refinancing products that can be tailored to your needs. They offer low fixed and variable interest rates, for example, and you’ll never pay an application fee or an origination fee. You can even qualify for a discount if you set your loan up on autopay, and a wide range of repayment schedules are available.

College Ave also offers a wide range of online calculators and tools that can help you figure out how much student loan refinancing could help you save and whether the move would be worth it in the end. Considering their low variable rates start at just 2.74% APR, there’s a good chance you could save money by refinancing if you have excellent credit or a cosigner with great credit.

Get Started with College Ave

3. Earnest

Earnest is another online lender that focuses most of its efforts on offering high-quality student loans. This company lets you consolidate debt at a lower interest rate than you might find elsewhere, and you get the option to pick a monthly payment and repayment period that works with your budget and your lifestyle.

While you’ll need excellent credit to qualify for the lowest interest rates, loans from Earnest come with variable APRs starting at 1.81% and low fixed rates starting at just 3.45%. To qualify for student loan refinancing with Earnest, you’ll need a minimum credit score of 650 and a strong employment and income history. You also need to be current on all your bills and cannot have a bankruptcy on your credit profile.

Refinance and Save with Earnest

4. SoFi

Also make sure to check out student loan refinancing company SoFi as you continue your search. This online lender offers some of the best student loan refinancing products available today, including loans with no application fee, origination fee, or hidden fees.

SoFi lets you apply for and complete the entire loan process online, and they offer live customer support 7 days a week. You can also check your rate online without a hard inquiry on your credit report, which makes it easier to see how much you could save before you commit.

Get Pre-Approved with SoFi in Less than 2 Minutes

5. Commonbond

Commonbond is another online student lender who lets you check your rate online without a hard inquiry on your credit report. With student loan refinancing from Commonbond, you could easily save thousands of dollars on interest with a new fixed interest rate as low as 3.21%. Repayment terms are offered for 5 to 20 years as well, letting you choose a new monthly payment and repayment timeline that works for your needs.

You can apply for your new loan online and note that these loans don’t come with an origination fee or any prepayment penalties. Your loan could also qualify for forbearance, which means having up to 24 months without payments during times of financial hardship.

Apply Online with Commonbond

6. LendKey

LendKey offers private student loans and flexible student loan refinancing options to serve a variety of needs. You can repay your loan between 5 and 20 years, and their refinance loans don’t charge an origination fee.

You can use this company’s online interface to check your rate without a hard inquiry on your credit report, and variable APRs start at just 2.01% for graduates with excellent credit. LendKey loans also receive 9.3 out of 10 possible stars in recent reviews, meaning their customers are mostly happy with their decision to go with this company.

Save Thousands by Refinancing with LendKey

7. Wells Fargo

While Wells Fargo is mostly popular for their banking products, home mortgage products, and personal loans, this bank also offers student loan refinancing products. These loans let you consolidate student debts into a new loan with a low variable or fixed interest rate, and you can even score a discount for setting your loan up on autopay.

Terms for Wells Fargo loans are available anywhere from 5 to 20 years, meaning you can choose a repayment schedule and monthly payment that suits your needs. Wells Fargo also lets you check your rate online without a hard inquiry on your credit report.

Get Started with Wells Fargo

8. PenFed Credit Union

PenFed Credit Union offers unique student loan products powered by Purefy. You might be able to qualify for a lower interest rate that could lead to enormous interest savings over time, and PenFed lets you choose a repayment term and monthly payment that fits with your budget and lifestyle.

You can apply for student loan refinancing on your own, but PenFed Credit Union also allows cosigners. Low fixed interest rates start at just 3.48% APR, and you can check your rate online without a hard inquiry on your credit report.

Learn More about PenFed Credit Union

What To Look For When Refinancing

If you decide you want to refinance your student loans, you’ll be happy to know the refinancing market is more robust than ever. A variety of lenders offer insanely attractive loan options for those who can qualify, although you should know that student loan companies tend to be very finicky about your credit score. Some also won’t let you refinance if you didn’t graduate from college, or even if you graduated from an “unapproved” school.

While you should be aware of any lender-specific eligibility requirements before you apply with any student loan company, there are plenty of other factors to look out for. Here’s everything you should look for in a student loan refinancing company before you decide to trust them with your loans.

Low Interest Rate

Obviously, the main reason you’re probably thinking of refinancing your loans is the potential to save money on interest. Lenders who offer the lowest rates available today can potentially help you save more, although it’s important to consider that you may not qualify for the lowest rates available if you don’t have excellent credit.

Cosigner Requirements

Also consider that most lenders will offer better rates and loan terms if you have a cosigner with better credit than you have. This is especially true if your credit isn’t great, so make sure to ask family members if they’re willing to cosign on your new student loan if you hope to get the best rate. Just remember that your cosigner will be jointly liable for repayment, meaning you could quickly damage your relationship if you default on your loan and leave them holding the bag.

Low Fees or No Fees

Student loans are like any other loan in the fact that some charge higher fees or more fees than others. Since many student loans come with an application fee or an origination fee, you’ll want to look for lenders that don’t charge these fees. Also check for hidden fees like prepayment penalties.

Discounts Available

Some student loan companies let you qualify for discounts, the most popular of which is a discount for using autopay. If you’re able and willing to set up automatic payments on your credit card, you could save .25% or .50% off your interest rate depending on the lender you go with.

Rate Check Option

Many of the top student loan refinancing companies on this list make it possible to check your interest rate online without a hard inquiry on your credit report. This is a huge benefit since knowing your rate can help you figure out if refinancing is even worth it before you take the time to fill out a full loan application.

Flexible Repayment Plan

Also make sure any lender you go with offers some flexibility in your repayment plan and your monthly payment. You’ll want to make sure refinancing aligns with your long-term financial goals and your monthly budget, and it’s crucial to choose a new loan with a monthly payment you can live with.

Most lenders in this space offer repayment timelines of up to 20 years, which means you could spread your payments over several decades to get a monthly payment that makes sense with your income. Keep in mind, however, that you’ll pay more interest over the life of your loan when you take a long time to pay it off, so you may want to consider prioritizing a faster payment plan.

The Bottom Line

Student loan refinancing may not sound like a lot of fun. However, taking the time to consider all your loan options could easily save you thousands of dollars. This is especially true if you have a lot of debt at a high interest rate. By consolidating all your student loans into a new one with a lower APR, you could make loan repayment easier with a single payment and save a ton of money that would otherwise go to straight to interest without helping you pay off your loans.

The first step of the loan process is the hardest, however, and that’s choosing a student loan refinancing company that you trust. The lenders on this list are highly rated, but they also offer some of the best loan products on the market today.

  • Work with College Ave, our top pick, to refinance your student loan.

Start your search here and you’re bound to wind up with a student loan you can live with. At the very least, you’ll have a better idea of the loans that are available and how much you might save if you decide to refinance later on.

The post The Best Student Loan Companies For Refinancing appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

10 Things to Know About Living in Philadelphia

Wedged between New York and D.C., Philadelphia has long been one of America’s most overlooked and underrated cities. The Birthplace of America, Philly is the nation’s sixth-largest city and one of its top cultural, culinary, employment, sports, music and education destinations. It’s a fresh, cosmopolitan city, and living in Philadelphia means you have nearly anything you could imagine to do, eat, visit, see and cheer for.

Philadelphia is a unique and diverse city, much more than the Liberty Bell, cheesesteaks and Rocky. It’s an inviting, connected community compromised of nearly 100 distinct neighborhoods from the gleaming skyscrapers of Center City to the rowhouses of South Philly to the rolling estates of Chestnut Hill. Whether you’re packing up for your move to Philly or just considering a relocation to the City of Brotherly Love and Sisterly Affection, there are many wonderful things you need to know about living in Philadelphia.

1. Philly has a great climate if you like having four seasons

No matter which season you enjoy frolicking in, Philly is the perfect climate to experience all four seasons. Philadelphia is a temperate Mid-Atlantic city with the best of all worlds, just 50 miles from the Jersey shore and 70 from the Pocono Mountains.

Summers in Philly can be hot and muggy at the peak of the season, with average highs just under 90 during July. Winters are cold but not bitterly, with daily temps during the holiday season straddling the freezing line. Rain can be expected a quarter-to-third of the days each month, with about 20 inches of snow each winter.

septa train philadelphia

2. Commuting is relatively easy by car or public transit

Philly commuting is convenient compared to most of its Northeast Corridor counterparts. The average one-way work travel time is just more than half an hour, with more than 20 percent using public transportation.

For automotive commuters, Philly’s transportation network couldn’t be simpler. Interstate 95 lines the eastern edge of the city, the I-76 Schuylkill Expressway divides West Philly from the rest of Philly and I-676 (Vine Street Expressway) and US Route 1 (Roosevelt Boulevard/Expressway) run east/west through the city. Broad Street, America’s longest straight boulevard, forms Philly’s north/south backbone.

SEPTA operates a convenient public transit system, which includes a number of commuting modes. This includes the Broad Street Line subway and Market-Frankford elevated train, which travels north/south and east/west, respectively, 131 bus lines and eight light rail and trolley routes.

3. You have to learn how to talk Philly to live here

Every city in America has its own dialect quirks, but Philly has a language all its own every newcomer must eventually absorb. From your first “yo,” you’ll quickly learn every jawn (which can literally mean any person, place or thing).

“Jeet?” is what you’ll be asked if someone wants to know if you’ve eaten yet. They may want to share a hoagie (don’t ever say “sub”), grab pasta with gravy (tomato sauce) or a cheesesteak “whiz wit” (covered in melted cheese and fried onions). Wash it down with some wooder (what comes out of the sink) or a lager (ask for that and you’ll get a Yuengling beer).

Where are you going to go? Maybe “down the shore” to the Jersey beaches, out to Delco (Delaware County) or to Center City (never call it “downtown”) on the El (the elevated train). That’s where yiz (plural “you”) are headed.

And everyone loves talking about the “Iggles” (or “the Birds,”) the championship football team.

4. Philly is the City of Museums

More than any city in America, history lies down every street, many of which the Founding Fathers once walked. Independence National Historical Park, the most historic square mile in the nation, includes important sites like Independence Hall, Liberty Bell, City Tavern, Christ Church, Franklin Court and more.

Nearby in Old City are the National Constitution Center, Museum of the American Revolution, Betsy Ross House, the first U.S. Mint, Elfreth’s Alley and National Museum of American Jewish History.

But Philly offers so much more, including world-class museums dedicated to art, culture, science and education. In the Parkway Museum District, must-visit attractions include the Philadelphia Museum of Art (and the Rocky steps), Franklin Institute Science Museum, Barnes Foundation and Rodin Museum.

Elsewhere around the city are amazing spots, including the Mummers Museum, Academy of Natural Sciences, Magic Gardens urban mosaic, Mütter Museum of medical oddities, Eastern State Penitentiary and even the Museum of Pizza Culture.

Philly cheesesteak

Photo courtesy of Michael Hochman

5. Philly cuisine is much more than cheesesteaks

Sure, everyone loves cheesesteaks and every Philadelphian has their favorite steak joint. But Philly also claims a slew of other iconic dishes.

Hoagies are a party staple, but many swear by the roast pork sandwich, with provolone and sautéed broccoli rabe, as the city’s signature sandwich. Philadelphians eat 12 times as many pretzels as the average American and you’ll find soft pretzels in the Philly figure-eight style on every corner.

Breakfasts wouldn’t be Philly without scrapple or pork roll, two pan-fried pork-based dishes. And dinner can include tomato pie (cheeseless rectangle pizza on focaccia served at room temperature), Old Bay-flavored crinkle-cut crab fries or snapper soup, which is exactly what you think it is.

For dessert, grab a “wooder ice” (kind of like Italian ice but not) or a Tastykake (more of a lifestyle than a snack food line).

And Philadelphia isn’t just for casual eats — some of America’s greatest restaurants live here. Israeli spot Zahav was named Best Restaurant in the country, and Pizzeria Beddia the Best Pizza in America. Other award-winning spots abound, including South Philly Barbacoa, vegetarian destination Vedge and 20 restaurants citywide from decorated chef Stephen Starr.

But all cross-sections of Philadelphians can agree on one thing — everyone loves Wawa, more of a culture than a convenience store, with more than 40 locations throughout the city.

6. Philly is the best music city on the East Coast

There would be no American music without Philadelphia. The city is home to one of the nation’s greatest music histories as the birthplace of Philadelphia soul, American Bandstand, Gamble & Huff and “Rock Around The Clock.” Artists hailing from Philly span the spectrum from Hall & Oates, Chubby Checker, Patty LaBelle, Boyz II Men and Will Smith to The Roots, Meek Mill, Diplo, Dr. Dog, War On Drugs, Kurt Vile, Dead Milkmen and Joan Jett.

Philly is also one of the best cities in America to see and hear live music, with a slew of iconic music venues of every size. Music pours nightly out of legendary clubs, such as Milkboy, Johnny Brenda’s, Boot & Saddle and Kung Fu Necktie, concert halls like The Fillmore, Union Transfer, Theater of Living Arts and Tower Theater and outdoor amphitheaters with stunning vistas BB&T Pavilion and Mann Center.

7. Philly is one of America’s great college towns

Philadelphia is one giant college town. There are more than 340,000 college students living in Philly spread across nearly two dozen four-year campuses. Thanks to college sports, Philly’s top five major universities (that make up the Big Five) are nationally known and include Temple, St. Joseph’s, La Salle, the University of Pennsylvania and Villanova (which actually sits outside the city).

University City in West Philly is home to Penn, as well as Drexel and the University of the Sciences. And scattered elsewhere around the city are historically-black Lincoln University, Chestnut Hill College, Thomas Jefferson University (on two campuses), Pierce College and Holy Family.

There are also a number of creative and performing arts schools in Philadelphia, including the University of the Arts, Art Institute of Philadelphia, Pennsylvania Academy of the Fine Arts and Curtis Institute of Music.

Phillies

Photo courtesy of Michael Hochman

8. Sports are life in Philly even if we like to boo

You may have heard. In Philadelphia, we love sports. Unlike cities like New York or L.A., Philly has just one team in each of the major sports, so every fan is on the same page. Except for college basketball where the city is divided among a half-dozen Division I programs.

Philadelphians bleed team colors and everyone from every walk of life pays attention. Often, the city’s collective mood is based on yesterday’s result. So, if you want to walk into nearly any conversation in Philly, be sure to know the Birds’ playoff chances or who your favorite Flyer is. But Philly fans don’t take lack of hustle or effort lightly, and a subpar performance will bring out the notorious boo-birds.

9. The cost of living in Philly is pretty good

As the sixth-largest city in the nation and keystone of the Northeast Corridor, you’d expect Philly to be expensive. Actually, it’s pretty average. The overall cost of living in Philadelphia (as of Q1 2020) is just 110 percent of the national composite. Compare that to its neighbors like New York (246 percent), D.C. (160 percent) and Boston (148 percent). In fact, Philadelphia’s cost of living is cheaper than many major cities like Denver, New Orleans, Miami, San Diego and Baltimore.

The same goes for housing, as well. Philadelphia is only 13 percent over the national index average for housing costs, much more affordable than other East Coast cities and metropolises around the country like Phoenix, Dallas and Portland. For renters, an average Philly one-bedroom leases for just $2,127 a month (compared to the national average of $1,621), just a pleasantly-surprising 17th most-expensive in the nation, cheaper than Sacramento, Boston, Seattle or Oakland.

10. Philadelphia is one of the great American cities

Philadelphia is a beautiful, friendly, progressive city for anyone moving here or just thinking about it. It’s a hub for technology and finance and home to a dozen Fortune 500 corporations.

It’s a retail center with high-end city malls, vintage and boutique shopping corridors and Jewelers’ Row, the oldest diamond district in the nation. It’s a haven for those seeking outdoor adventure, including massive Wissahickon Valley and Fairmount Parks. And a destination for family fun at spots like the Please Touch Museum and America’s oldest zoo. It’s even one of America’s most walkable cities.

Living in Philadelphia

Philly is a great place for lovers of music, beer, history, shopping, sports, theater, coffee, biking, art, dining and more. Whatever your passion, you’ll find it living in Philadelphia.

And with a head start on what’s listed here, you’ll be welcomed with open arms and find out quickly why we’re known as The City that Loves You Back.

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.com’s multifamily rental property inventory of one-bedroom apartments. Data was pulled in October 2020 and goes back for one year. We use a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
Population and income numbers are from the U.S. Census Bureau. Cost of living data comes from the Council for Community and Economic Research.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.
Header image courtesy of Michael Hochman.

The post 10 Things to Know About Living in Philadelphia appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

Property Spotlight of the Day-Crescent Park

The Best Apartment Deals In DC Right Now | Cheap DC Apartments

We’re all about scoring a good deal here at Apartminty.  While we love perusing the top-of-the-line luxury apartments in DC, we also understand, sometimes an affordable rent is the better option. Either way, instead of you searching for Washington, DC apartments on Craigslist and property management company listing sites, we are delivering our choice of the best apartments to rent in DC right now.  Here’s our pick for the best Washington, DC apartment in Columbia Heights for rent today. Want more information on moving to DC? Check out Apartminty’s  Ultimate Guide to Moving to Washington, DC.

window.addEventListener(‘LPLeadboxesReady’,function()LPLeadboxes.addDelayedLeadbox(‘147bc2c73f72a2:17c8039fb746dc’,delay:’30s’,views:0,dontShowFor:’0d’););

 CRESCENT PARK

Crescent Park Apartments 

2 Elmira Street SE
Washington, DC 20032

1 Bedroom/1 Bath
$1115/month
Unit #: 3
710 Sq Ft
Available Now

Why it’s a great deal:
If you are looking for a true rental deal, Crescent Park is a dream.  Located right off of South Capitol Street, these spacious apartments come equipped with hardwood floors, updated kitchens, and free basic cable. With on-site maintenance and management teams, on-site laundry facilities, and the ability to pay your rent online! Looking for something a little different? Check out Apartminty’s guide How to Find an Apartment in DC.

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Read Property Spotlight of the Day-Crescent Park on Apartminty.

Source: blog.apartminty.com

How To Balance Working And Going To College

How To Balance Working And Going To College

5 Tips For Working Students In CollegeMore and more are choosing to attend college and work at the same time.

Whether you are working a part-time or a full-time job, it can be tough to balance both. There are many working students in college who are able to manage both, but there are also many who aren’t able to.

If you don’t balance them both correctly, it may lead to stress, lower grades, low-quality work being produced, and more.

No one wants that and I’m sure you don’t either.

Related: 21 Ways You Can Learn How To Save Money In College

This is supposed to be the time of your life where you are growing and changing, not feeling like you are drowning in everything that is going on around you.

There are ways to get around it and manage both successfully at the same time, though.

I took a full course load each and every semester, worked full-time, and took part in extracurricular activities. It was definitely hard and I won’t lie about that. However, sometimes a person doesn’t have a choice and has to do everything at once or maybe you are choosing to multi-task and you are wanting to better manage your time.

Related post: How I Graduated From College In 2.5 Years With 2 Degrees AND Saved $37,500

Whatever your reason may be, below are my tips for working college students. The tips below are what helped save me!

 

Carefully plan your class and work schedule.

My first tip for working college students is to carefully plan your class and work schedule.

Some students just choose whatever classes are offered. However, it is much wiser to carefully craft your school and work schedule so that everything flows together efficiently with minimal time wasted.

You can do this by researching into what classes are offered when and trying to eliminate any gap that may be in-between each class. Having an hour or two break between each class can quickly add up. Also, if you happen to have time off between classes, then using this time to do your homework and/or study can be a great use of time as well.

Related post: How I’m a Work-Life Balancing Master

 

Eliminate any time that may be wasted.

There are many time sucks that you may encounter each day. A minute here and a minute there may add up to a few hours wasted each day.

The time you save could be used towards earning more money at your job, studying, socializing, or whatever else it is that you need or want to do. For working college students, every minute is important.

There are many ways to eliminate any time wasters including:

  • Cut down on your commute time. If you can find a job near your college campus then you can eliminate a lot of traveling time.
  • Prep your meals ahead of time. If you can bulk make your meals instead of individually making each one, you will be able to save a lot of time.
  • Be aware of how much time you spend on social media and TV. The average person wastes many, many hours on social media and watching TV. Cutting back on this may save you hours each day without you even realizing it.

Related post: 75 Ways To Make Extra Money

 

Separate yourself from distractions.

Working college students experience a lot of distractions.

Noise in the background, such as with a TV that is on or a party your roommate may be throwing, can distract you from what you need to be doing. If you are trying to study or do homework then you should try to find a quiet place to get work done.

You may want to close your bedroom door, hide the remote from yourself (trust me, this works!), go to the library, or something else.

Related: 16 Best Online Jobs For College Students

 

Have a to-do list and a set schedule.

Having a to-do list is extremely helpful for working students in college because you will know exactly what has to be done and by when. You will then have your responsibilities sitting there right in your face so that you will have to face reality.

Plus, I know that when I am stressed it can be easy to forget things, so having a to-do list eliminates any valuable minutes I may waste debating about whether I forgot to do something.

 

Working students in college need to be realistic.

While one person may be able to work like crazy and attend college at the same time, not everyone can do that.

If your grades are dropping, then you may want to analyze whether you should drop your hours at work or school. What is more important to you at this time and for your future?

With the tips above for working students in college, you’ll be able to rock both your job and your college classes at the same time. Don’t forget to fit in time for fun as well. Good luck!

Are you one of the many working college students out there? Why or why not?

 

The post How To Balance Working And Going To College appeared first on Making Sense Of Cents.

Source: makingsenseofcents.com

Learning How To Survive On A College Budget

Learning How To Survive On A College Budget

Find out how to survive on a college budget here. This is a great list!

Find out how to survive on a college budget here. This is a great list!College is expensive and everyone knows that.

Between paying for tuition, parking, textbooks, extra fees, and everything else, you also have basic living expenses to pay for as well.

All of these costs are either brand new or somewhat new to you most likely as well, so you might not even know how to survive on a budget, let alone a college budget.

Don’t worry, though, surviving on a college budget is possible. Learning how to save money in college is possible!

Related post: How I Paid Off $40,000 In Student Loans In 7 Months

Whether you are trying to survive the whole year off of what you made over the summer or if you have a steady job throughout the school year, there are ways to budget your money and not fall into any extra debt. Plus, you can still enjoy your college years on a low budget as well!

Below are my tips on how to survive on a college budget.

Use your student ID.

Your student ID is good at many places beyond just your college campus. Before you buy anything, I highly recommend seeing if a company offers a student discount.

Your student ID can be used to save money at restaurants, clothing stores, electronics (such as laptops!), at the movies, and more. You may receive a discount, free items, and more all just by flashing your student ID.

After all, you are paying to go to college and you are paying a lot. You might as well reap one benefit of paying all of those high college costs.

Make extra money.

You may need to look into making extra money if you just don’t have enough to survive on. I am a firm believer in making extra money and I think extra time can be wisely spent doing this.

Some online side gigs with flexible schedules include:

  • Blogging is how I make a living and just a few years ago I never thought it would be possible. I made over $150,000 last year by blogging and will make more than that in 2015. You can create your own blog here with my easy-to-use tutorial. You can start your blog for as low as $3.49 per month plus you get a free domain if you sign-up through my tutorial.
  • Survey companies I recommend include Survey Junkie, American Consumer Opinion, VIP Voice, Clear Voice Surveys, Product Report Card, Survey Club, ProOpinion, YouGov, Pinecone Research, Opinion Outpost, and Harris Poll Online. They’re free to join and free to use! It’s best to sign up for as many as you can because that way you can receive the most surveys and make the most money.
  • InboxDollars is an online rewards website I recommend. You can earn cash by taking surveys, playing games, shopping online, searching the web, redeeming coupons, and more. Also, by signing up through my link, you will receive $5.00 for free!
  • Swagbucks is something I don’t use as much, but I do earn Amazon gift cards with very little work. Swagbucks is just like using Google to do your online searches, except you get rewarded points called “SB” for the things you do through their website. Then, when you have enough points, you can redeem them for cash, gift cards, and more. You’ll receive a free $5 bonus just for signing up today!
  • Another one you may be interested in related to the above is Nielsen Digital Voice. All you have to do is surf the web and you may be able to start earning money.
  • Check out 75 Ways To Make Extra Money for more ideas.
  • Read Best Online Jobs For College Students

Use coupons to stay on a college budget.

Just like with the above, you may want to start using coupons.

By doing so, you can save money on nearly everything. You can find coupons in newspapers, online, and in the mail. They are everywhere so you should have no problem finding them and saving money today.

Related post: How To Live On One Income

Learn how to correctly use a credit card or don’t have one at all.

Many college students fall into credit card debt, but I don’t want you to be one of them.

Many college students will start relying on their credit cards in order to get them through their low college budget, but this can lead to thousands of dollars of credit card debt which will eventually seem impossible to get out of due to significant interest charges that keep building up.

In order to never get into this situation, you should avoid credit cards at all costs if you think you will rely on them too heavily.

You should think long and hard about whether you should have one or not. Just because many others have them doesn’t mean they know what they’re doing! However, if you think you will be good at using them, then there are many advantages of doing so.

Related post: Credit Card Mistakes That Can Lead To Debt

Only take out what you need in student loans.

Many students take out the full amount in student loans that they are approved for even if they only need half.

This is a HUGE mistake. You should only take out what you truly need, as you will need to pay back your student loans one day and you will most likely regret it later.

I know someone who would take out the max amount each semester and buy timeshares, go on expensive vacations, and more. It was a huge waste of money and I’m still not even sure why they thought it was a good idea.

Just think about it – If you take out an extra $2,000 a semester, that means you will most likely take out almost $20,000 over the time period that you are in college.

Do you really want to owe THAT much more in student loans?

Skip having a car.

Most campuses have everything you need in order to survive – food, stores, and jobs. In many cases, you do not need to have a car whatsoever.

By foregoing a car, you may save money on monthly payments, maintenance costs, car insurance, gas, and more.

Related post: Should We Get Rid Of A Car And Just Have One?

Eat out less.

Now, I’m not saying you should stop eating out entirely if you are trying to survive on a college budget. I know how it is to be in college and to want to hang out with everyone. These are your college years after all.

However, you should try to eat in as much as you can, make your own meals, and try to eat out only during happy hours or when food is cheaper, such as during lunch time. Eating out can ruin your college budget!

Have a roommate.

The more people you live with, generally the less you will pay when it comes to rent and utilities. If you are living on your own, then you may want to find roommates so that you can split the costs with them.

This will help you to lower your college budget and you may even find some awesome friends.

Related post: What I Learned Having Roommates

What college budget tips do you have?

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