How to Retire in Honduras: Costs, Visas and More

Tela Bay in HondurasHonduras is known for it’s beautiful beaches and low cost of living. The country is home to one of the largest cities in Central America, Tegucigalpa, and plenty of quaint mountain towns and a popular island called Roatan. In recent years, Americans have flocked to this Central American oasis of some 10 million people because their retirement savings can go much farther than in the U.S. A financial advisor can help you plan your retirement abroad and help you stretch your Social Security and other retirement funds while in Honduras.

Cost of Living and Housing in Honduras

According to Numbeo, a cost-of-living database, the cost of living in Honduras is about 41% lower, overall, than in the U.S., not counting housing costs. Rent in Honduras is about 73% lower than in the U.S.

Let’s look at a specific example. One of the most popular places to retire in Honduras is Roatan. Rent on a one-bedroom apartment in Roatan’s center will cost an average of $250 per month, and a three-bedroom apartment in the same area will cost about $967 per month. In contrast, an apartment in New York City will run about $3,452 for a one-bedroom and about $6,767 for a one-bedroom in downtown Manhattan.

If you want to purchase property in Honduras, the average price per square foot is about $93.79. In the U.S., the average cost per square foot to purchase a home or apartment is $292.35.

Retire in Honduras – Visas

Americans do not need visas to visit Honduras as tourists. However, if you want to retire in Honduras, you will need to get a retirement residency card, of which there are three types. The Secretary of Justice processes these in Tegucigalpa. You will need to work with a Honduran attorney to get your residency card.

It takes up to nine months to process an application for a retirement residency card, but Americans may enter Honduras on a tourist visa and begin their application process in country. Be prepared to spend about $2,500 to complete this process.

Be sure to bring your passport, police record, a health certificate, a passport photo and any residence-related documents with you when you enter Honduras as your residency application will require them. You must also be able to prove that you have at least $1,500 of lifetime monthly income if you are applying for the retirement visa.

Retire in Honduras – Healthcare

Honduras does not have a robust public health system. The World Health Organization ranks it 131st out of 191 countries. Therefore, many retirees choose to get private healthcare insurance and live near private hospitals. People can purchase healthcare insurance in Honduras or before leaving home. There are several 24-hour hospitals in Tegucigalpa and San Pedro Sula, all popular with American expats.

Most pharmacies will offer the same prescriptions as in the U.S., especially in a tourism hotspots. It is important to note that rural healthcare is scarce in Honduras.

Retire in Honduras – Taxes

If you earn an income in Honduras, it will be taxed between 10% and 20%. If you purchase a home in Honduras and then sell it, your real estate capital gains will be taxed at 10%. Additionally, your property will be taxed each year at about 0.4% of the total property value.

Money received from the U.S., like a pension, tax-advantaged account or Social Security retirement benefits, will not be taxed as income by Honduras.

Don’t forget that as an American citizen the U.S. government will tax you on foreign-earned income.

Retire in Honduras – Safety

According to the U.S. Department of State, violent crime, such as homicide and armed robbery, is common in Honduras. Additionally, gang activity, street crime and narcotics and human trafficking are pretty widespread. In large cities such as Tegucigalpa, violent crime exists and riots or protests are expected. However, there are plenty of gated communities and large pockets of expats living in Honduras that employ security staff to maintain a safe living environment.

The Takeaway

American retirees walking along a Honduran beachHonduras is a beautiful tropical location to visit or live in. It is home to mountains, beaches and more, so there is a bit of something for everyone living in Honduras. It is important to remember personal safety in Honduras and not take unnecessary risks when traveling throughout the country, mainly because private hospitals are only available in cities and tourist hotspots.

Tips on Retiring

  • Consider talking with a financial advisor before moving abroad. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free advisor matching tool can connect you to several financial advisors in your area. You can find the perfect financial advisor for you in as little as five minutes. If you’re ready, get started now.
  • Retiring comfortably in Honduras is entirely possible, even on Social Security retirement benefits. For some people, Social Security is even enough to provide disposable income for recreational purposes. Calculate your Social Security retirement benefit here.

Photo credit: ©iStock.com/Robert_Ford, ©iStock.com/Jodi Jacobson, ©iStock.com/dstephens

The post How to Retire in Honduras: Costs, Visas and More appeared first on SmartAsset Blog.

Source: smartasset.com

Remote-Work Boom During Covid-19 Pandemic Draws Real-Estate Startups

Park in San Francisco social distancingDavid Paul Morris/Bloomberg via Getty Images

A group of real-estate startups is aiming to cash in on the remote-work phenomenon.

With many corporate offices closed because of the pandemic, many young professionals have left cities like New York and San Francisco for warmer, cheaper places. A number still plan to return after their offices reopen, leaving them reluctant to buy homes or sign long-term apartment leases.

That situation is creating fresh demand for furnished housing on a short-term basis, a fast-growing niche that many property startups and their venture-capital backers are rushing to fill.

One of them is Landing, which runs a network of furnished apartments across the U.S. When it launched in 2019, the Birmingham, Ala., and San Francisco-based company initially planned to operate in about 30 cities last year. Instead, it expanded to 75, largely because demand grew much faster than expected, said Landing Chief Executive Bill Smith.

“Covid has taken a decade of change that I was thinking was going to happen between now and 2030 and kind of compressed it into a year,” he said.

Legions of remote workers also offer these firms a chance to make up for reduced tourist and corporate business. San Francisco-based Sonder, which rents out furnished apartments by the night, ramped up its marketing of extended stays during the pandemic, according to Chief Executive Francis Davidson. Stays of longer than 14 days now account for about 60% of the company’s business, up from less than a quarter before the pandemic, he said.

Kulveer Taggar, CEO of corporate-housing operator Zeus Living, said his firm experienced a steep drop in demand as companies hit the pause button on employee travel and relocations. But he was able to make up some ground by renting apartments to individuals. People working from home now account for about a quarter of the company’s business, Mr. Taggar said, up from virtually nothing before the pandemic.

Unlike Sonder and Zeus, remote workers were a key part of Landing’s business before the pandemic. Its customers pay an annual membership fee, which gives them the right to rent furnished apartments in any city. The minimum length of stay varies from 30 to 60 days, and the company asks for a month’s notice before a customer moves out.

The company is popular with college-educated young professionals who don’t want to be tied to a single location. Since the start of the pandemic, it has seen a growing number of customers leave New York and San Francisco and move to cities like St. Petersburg, Fla., and Denver, Mr. Smith said.

In November, Landing raised $45 million in venture funding from a group of investors led by Foundry Group and including Greycroft and Maveron, along with $55 million in debt. Mr. Smith said he hopes to expand to 25,000 apartments by the end of this year, up from around 10,000 today.

That growth carries risk if demand from remote workers were to disappear again after the pandemic is over. Still, Chris Moody, a partner at Foundry Group, said the number of furnished apartments available under flexible terms is still so small that he doesn’t worry about a lack of customers.

“Even at the end of 2021, we won’t really have scratched the surface,” he said.

The post Remote-Work Boom During Covid-19 Pandemic Draws Real-Estate Startups appeared first on Real Estate News & Insights | realtor.com®.

Source: realtor.com

New Report Reveals Massive Shifts in Tenant

A recent study by Zumper, an online rental marketplace, reveals massive shifts in renter behavior and historic market changes for renting in 2020.

The company’s “State of the American Renter” report for 2020 was based on surveys of more than 14,000 Americans conducted between June 2020 and August 2020. It demonstrates how the coronavirus pandemic is altering renter behavior and reversing rental market trends. Key findings include:

  • Renters are moving back in with mom and dad. Nearly 50% more renters are moving back in with their parents, with Millennials moving most often.
  • The majority of renters are under financial stress, with tenant unemployment at 12.7%.
  • Renters are moving more than ever before. A quarter reported moving to a new city within the past year, up 33% from 2019.
  • Renters are abandoning expensive cities in favor of cheaper, often neighboring, markets. For example, Bay Area residents are moving to Sacramento.
  • The country’s priciest cities are seeing the sharpest rent declines. The median rents in San Francisco, New York, Boston, Oakland, San Jose, Washington, D.C., Los Angeles, and Seattle declined 15% from the start of 2020.

The post New Report Reveals Massive Shifts in Tenant first appeared on Century 21®.

Source: century21.com

I taught English in China to pay off my student loans

Hello! Here’s a guest post from a reader, Nick. Nick was feeling stuck a few years ago and wasn’t making progress on his student loans. He ended up researching a lot about salaries and the cost of living for English teachers in China and realized that he would be able to save far more money in China than back home. Even without teaching experience, and still living very comfortably, including taking vacations, it has been easy for him to save $20,000 in a year. For him, it had a huge impact on his life and financial freedom. Enjoy his story on how to teach English in China below!

I taught English in China to pay off my student loans #teachenglish #movetochina #makeextramoneyIt must have been about 4.5 years ago. I remember walking out of an interview in Chicago feeling completely dejected.

The interviewer mentioned the salary, and along with it, how most new hires take on a second job during the weekend. 

I wasn’t expecting to find an amazing job, but this was just too much. None of my past decisions looked particularly good on a resume. I had just returned from a 3.5-year stint traveling around Latin America while earning a very modest living playing online poker.

But, I was burnt out, making no progress on my student loans, and realizing it was time to get a normal job. I was actually really excited to do so but job hunting was incredibly frustrating and when I realized how little money I’d be earning, I began looking for alternative options. 

Somewhere along the way, I had heard about teachers in Asia making good money and motivated by the frustration of the job search, I began looking into it more seriously.

After spending countless hours reading online, I ended up settling on China as that seemed to be where it’d be easiest to save the most money. 

I’ve since been in China for four years, paid off my student loans, and finally feel comfortable with my finances. 

Without a doubt, moving to China isn’t for everyone or even most people. However, for those that are a little bit adventurous, not opposed to working as a teacher, and want to save money fast, it’s an option worth considering. 

It’s not at all difficult to save $20,000 per year, without needing to be particularly frugal, and still have plenty of vacation time. 

Related articles on how to make extra money:

  • 12 Work From Home Jobs That Can Earn You $1,000+ Each Month
  • 30+ Ways To Save Money Each Month
  • The Best Online Tutoring Jobs

How to start teaching English in China.

 

The demand for teachers in China

Chinese parents spend an average of $17,400 per year on extracurricular tutoring for their children. 

More than 60% of students receive tutoring outside of school at an average of six hours per week and English is among the most popular subjects for after school tutoring. 

While these numbers look insanely high from my Midwestern American point of view, it barely scratches the surface for the demand for English tutoring in China. 

In fact, English is a required subject in Chinese schools. Private schools often take this a step further, with many classes and programs taught exclusively in English. Meanwhile, the online tutoring industry has created lots of opportunities to teach English online

Chinese parents are obviously willing to pay for English education. This demand for English teachers becomes even more apparent when you consider just how huge of a country it is. With a population of over 1.3 billion people, there are 32 cities with more people than Chicago

 

The requirements to be an English teacher

It’s not difficult to become an English teacher in China. The huge demand has made for relatively lax requirements. These are…

  • A bachelor’s degree
  • Two years of work experience
  • 120 hour TEFL certificate
  • Clear criminal background check
  • Pass a health check
  • Native English speaker

The bachelor’s degree doesn’t need to be in any specific subject, nor do the two years of work experience. The 120-hour TEFL is easy and pretty cheap to do online. 

Of course, having these doesn’t necessarily mean you’ll be able to get a great job right off the bat. Some of the best schools will have a very rigorous hiring process. However, even a standard first job in China can allow you to save a lot of money. 

 

The types of English teaching jobs in China

Most foreign teachers in China come to teach English. However, there are other opportunities as well, such as with teaching sports, a specific subject, or as a homeroom teacher who teaches a variety of subjects. 

There’s a wide range of salaries and teaching environments, with the main positions being in kindergartens, public schools, international schools, training centers, and universities. Salaries, working hours, and work environment can vary quite a bit depending on the type of school.

Additionally, the chosen city will have a large impact on your life with bigger cities paying more but also having a higher cost of living. ESL Authority has a good breakdown of the different salary ranges for different school types and locations. 

My teaching experience in China has exclusively been in Beijing at two public schools and one international school. I’ll share a bit about my experiences and salary at these schools. 

 

Teaching at a public school in China

Public school teaching jobs typically focus on oral English, meaning you’ll help students with their speaking and listening comprehension. The class sizes tend to be quite large. I often had 30-40 students in a class and would see each class only a couple of times per week, while often teaching multiple classes and different grade levels. In a given week I’d see 200-300 students. 

At the public schools I taught, I earned around $1,600 per month, which included a round-trip plane ticket to America, and housing. A typical schedule for public schools would be Monday-Friday, from 8 am – 4 pm, with 16-20 classes per week, with each one lasting around 45 minutes. There would be a lot of down-time during the day which I used to study Chinese

Many public schools, but not all, will let foreign teachers leave if they don’t have classes. Both public schools I taught at while in Beijing allowed me to leave when my classes were finished, which meant I’d often be done for the day around 2 pm. 

Vacation time is very generous, exceeding 3 months for summer and winter vacation, plus all of the national holidays during the year. Both public schools I’ve taught at allowed foreigners to finish the semester earlier and start later than their Chinese counterparts which makes sense as foreign teachers aren’t usually responsible for grading homework or preparing exams. 

The salary at public schools is more than enough to live comfortably and save quite a bit of money. Still, many teachers use their substantial free time to teach extra on the side with private students or at training centers. Doing so can be quite lucrative with an average rate of around $30 per hour. 

Having said that, it’s not exactly legal to teach with a different school than the one that sponsored your visa. If you got caught, it could get you in trouble and you could have your visa canceled and your time in China cut short. But, it’s one of those things that nearly everyone does and almost nobody gets in trouble for. So, if you choose to teach on the side, you should be aware of the risks. 

It isn’t difficult to teach an extra six hours per week during the ~8 months of the school year. This would earn an extra $5,760. Teaching 20 hours per week during 2 months of the summer/winter vacation would earn an extra $4,800. Combining these with the public school salary would make your yearly after-tax income $29,760 – with housing already paid for.

Plus, you’d still have close to two months’ vacation throughout the year. 

While I didn’t keep good track of my earnings and expenses while teaching at the public schools, these numbers are very close to my own experience. 

 

My experience teaching at an international school in China

If you’re more interested in teaching a subject like history or math, as opposed to English, an international school would be your best bet. 

These are the schools where wealthy Chinese and expats typically send their children to study. Teaching positions at some of the better schools can be very competitive, often requiring a teaching license, graduate degree, and a number of years of experience. Of course, those who qualify for these positions will earn higher salaries. 

However, a large number of international schools don’t have any additional requirements for teachers above the bare minimum required to teach in China. 

The work at these schools can be very demanding, much like teaching in America would be, requiring things like communicating with parents, creating exams, giving and grading homework, and plenty of meetings. Vacation periods are typically shorter than those for public school teachers. Likewise, working hours may be from 8 am – 5 pm, but most international school teachers will find themselves with very little downtime throughout the day. 

On the plus side, class sizes are generally much smaller and salaries higher. While teaching at an international school, I earned around $2,800 per month or $33,600 per year after taxes, with housing and a round-trip plane ticket included. 

However, due to the shorter vacations and more tiring day-to-day work, I didn’t have any interest in tutoring on the side. 

 

What does a typical budget look like for an English teacher?

This can be hard to say as everyone has a different lifestyle and things they’re willing or not willing to spend money on. I’ll share my budget below. 

Housing and Healthcare – $0/mo – In China, especially in the bigger cities, rent would make up the largest portion of a budget. Fortunately for foreign teachers, most schools include housing or a housing allowance. Housing would typically be a one-bedroom apartment, which may be on or off-campus, depending on the school. Some teachers may choose to add some of their own money to the housing allowance so that they can stay in a nicer place. But, I’ve been happy with the provided accommodation and didn’t pay any extra.  Health insurance is also provided and many schools have gyms on campus that you can use for free. 

Food – $350/mo – You can spend a lot of money on food or not much at all, depending on your preferences. Cheaper meals can be had for under $3 but you could easily spend $30 on a meal if you choose to go to fancier places. It also depends on how much you cook vs eat out and whether you like buying imported groceries. Most schools will offer free lunch to their teachers. Even so, I tend to spend quite a bit on food but am cheaper in other areas, so my food budget would be something like:

Groceries: $150

Restaurants: $200

Entertainment – $100/mo – Being the old man I am, I rarely go out for drinks at bars and my preferred entertainment is also the cheaper kind – hanging out, eating, and playing games with friends. Still, my wife and I will go to the occasional show. 

Transportation – $60/mo – Public transportation in China is fantastic and a single trip on the subway or in a bus can cost less than 50 cents. Shared bikes are everywhere and extremely cheap. Even using Didi, the Chinese version of Uber, is very affordable.  This is another area where I spend more than necessary, often taking a Didi out of laziness when there are cheaper options. 

Utilities – $15/mo – I think most schools typically pay for household utilities, like electricity and water. At least, the schools I worked at did. So, the only expense here is my phone which is on a pay as you go plan.

Travel – $250/mo – Living in China and working as a teacher opens up lots of travel opportunities, both within China and around Asia. Unfortunately, although plentiful, teacher’s vacation time is usually during national holidays when the cost of tickets is a bit higher.  Still, I tend to go on at least one international trip a year and also like to travel within China. Plus, almost every school also provides a round-trip ticket to your home country. If I were to guess, I probably spend around $3,000 per year on travel. I know people who spend much more and others who spend much less, so this cost will depend a lot on each individual’s preferences. 

Miscellaneous – $50/mo – These are other expenses such as buying household appliances, clothes, and other random things. I’m not a big shopper, but random things do come up. 

Total Expenses – $825/mo or $9,900/year

Although I’m conscious of my spending, I wouldn’t say that I’m especially frugal while in China. Far much less than I’d be if I were still living in Michigan. 

Some people might consider my spending extravagant while others might think I’m cheap. For me, it’s a good balance of comfort and enjoying my lifestyle with saving for the future. 

 

How much money can you save teaching English in China?

In my experience, I earned between $29,760 and $33,600 per year with expenses around $9,900 per year. This led to savings between $19,860 and $23,700 per year. Unfortunately, I didn’t track my exact earnings and spending each year, but these ballpark numbers are pretty accurate. 

It’s not particularly difficult to save $20,000 in a year of teaching in China while still living comfortably, traveling, and leaving yourself with enough free time to pursue other interests.

Plenty of people save more than this each year. There are also opportunities to increase your earnings as you gain more experience. 

However, like most places, life can be as expensive as you make it. If you’re bad with money back home, it’s unlikely you’ll suddenly become good with money by moving abroad. In fact, the money may disappear even faster than it would back home as there are lots of exciting ‘once in a lifetime’ opportunities. 

But, if you’re somewhat frugal and work fairly hard, you’ll have no problem saving a lot of money. 

 

How to find a job teaching English in China

There are tons of websites with job listings for English teachers in China. I can’t comment on most sites as all the jobs I found started with a search on the eChinacities job board

The start of your job search can be a bit overwhelming, especially if you’re still not sure where you’d like to live in China. This isn’t helped by the fact that a lot of recruiters will earn more money if they can get a teacher to accept a lower salary. 

I’ve known teachers that came to China and received terrible salary packages, earning less than half of what a typical salary would be and with an apartment far from the school. These people tended to not do enough research beforehand and accepted the first offer they received.

I would strongly recommend talking with lots of recruiters before accepting any position. Be sure to ask tons of questions, and be willing to say no to a jobs that don’t fit your criteria. There is no shortage of opportunities, so be patient when looking for your ideal position. 

Before accepting any position, be sure to do your due diligence on the school.

Most schools are fine and professional, but there are some sketchy ones. You won’t always find much information online about the school, but if they’ve done shady things in the past, you’ll probably see people talking about it.

Asking to speak with any current or former teachers can give you a bit more insight into the school as well.

 

Final thoughts on teaching English in China

Not everyone will be excited to live in China and I can understand that. It’s far from home, the language is difficult, and many people have a negative perception of the country. 

However, I’ve really enjoyed my life here and the experience has been exceptionally positive. Sure, there are small annoyances, but these will happen anywhere. Plenty of people worry about air quality, and while still not great, it has been improving every year

Beijing is extremely modern with no shortage of interesting and unique things to do. Moving here has been one of the best decisions I’ve made. 

I came here with only a few thousand dollars in the bank and what felt like an endless pit of student loan debt. In only a few years, I’ve been able to completely turn around my finances, pay off my loans, and save up a nice nest egg. 

I know that it’s not for everyone, but if you’re open to new experiences, can see yourself enjoying teaching, and want to save a lot of money, moving to China to teach English is an option worth considering. 

Nick Dahlhoff is an English teacher living in Beijing. Since moving there in 2016, he’s paid off his student loans, studied Chinese, gotten married and started a blog. At All Language Resources, he tests out lots of language learning resources to help language learners figure out which resources are worth using and which ones are better off avoiding. 

Would you take a job in another country to pay off your debt? Would you start teaching English in China?

The post I taught English in China to pay off my student loans appeared first on Making Sense Of Cents.

Source: makingsenseofcents.com

21 Side Hustles for Teachers In and Out of the Classroom

Educators are the ones that ignite a love of learning inside each of us and help mold us for future success in life. They’re essential to student growth, invaluable in their communities, work countless hours preparing lessons, and care for their students. Despite all of their dedication and responsibility, it’s a well-known fact that educators are often underpaid, and many turn to side hustles to make ends meet. 

If you’re a teacher looking for a way to supplement your income, there are many part-time opportunities that can fit your schedule and skillset. Whether you’re looking for work through the summer, or an extra gig for nights and weekends, we’ve put together this complete guide of side hustles for teachers. 

Jobs to Keep You Teaching

Jobs Online and On Apps

Jobs to Get You Outside

DIY Work From Home 

 
$17.53 an hour, though it varies widely by experience and specialty.

  • Get started: Register online to become a tutor through sites like TutorMe, Tutor.com, and VaristyTutor, or set your own price and let parents at your school know you’re available.

2. Standardized Test Administrator

While test administrator requirements will vary across states and school districts, it’s needed everywhere there are schools. Administrators ensure that all testing procedures are followed, that no test materials are taken from the site, and that all tests are collected and submitted securely for grading. As schooling moves online, there are also plenty of opportunities to proctor exams from home. 

  • Pay: Test administrators earn between $32,500 and $43,500 on average for full-time work, and can earn as little as $24,000 a year.
  • Get started: Find your state testing service’s site to learn more and apply to become a test administrator. You can also apply to become a proctor with online proctoring companies like ProctorU.

3. Teach English Abroad 

Do you dream of traveling the world? Teaching abroad during the summer months is a great way to strengthen your skills as a teacher and experience other cultures. There are great options for short-term teaching jobs abroad, or you can teach foreign classrooms from home.  

  • Pay: This varies by region, but reaches as high as $5,000 a month. Keep in mind that some gigs cover room and board, while others require you to budget your own living costs.
  • Get started: You can learn more about the process and regions through International Schools Service and find international teaching jobs with sites like Teachaway and Go Overseas.

4. Adjunct Community College Professor 

More people are opting for community college to save on tuition, and there’s an increased demand for teachers in these programs. While some colleges may require a Master’s degree for employment, others only require a Bachelor’s and relevant teaching experience. Becoming an adjunct professor or teacher at a community college is a great way to continue teaching and change lives in a meaningful way. 

  • Pay: Adjunct faculty make a median of $2,700 per three-credit-hour course, though this varies between institutions and experience.
  • Get started: Check out the education requirements at your local colleges to see where your experience would be accepted. Then, decide what you want to teach, meet with a few other professors, and apply. 

5. Babysitting or Nannying 

Parents are always looking for someone responsible to watch after their little ones, and who better to trust than a teacher? Babysitting and other forms of childcare on nights and weekends is a flexible option that allows you to continue spending time with children while earning some under-the-table cash. 

  • Pay: Pay varies significantly by experience and location, so use this babysitting rate calculator to determine a fair price for your services.
  • Get started: Contact families you know for a smooth start to babysitting, or use sites like Care.com to match with families. You’ll likely need a background check to find nanny gigs online. 

 
Gridwise provides pay averages for major cities as well as other costs you should consider.

  • Get started: The first step is to download the app of your choice, then collect and submit the company’s required information. For example, Lyft requires:
    • At least one year of licensed driving experience
    • Pass both a DMV and criminal background check
    • Have your car inspected by a licensed mechanic
    • Drive an approved vehicle model

7. Delivery Services

If you’re not comfortable driving strangers, then you may want to consider delivery or shopping services instead. You can choose to deliver packages for companies like Amazon Flex, or deliver food and groceries as people need them. 

  • Pay: The average worker makes around $200 a month, though it’s heavily dependent on tips, location, and company.
  • Get started: Decide what you want to deliver, then choose the app that works best for you.
    • Postmates and Favor deliver everything from groceries to office supplies
    • DoorDash, Uber Eats, and Grubhub specialize in restaurant delivery
    • Shop and deliver groceries with Instacart and Shipt

8. Rent Out Your Extra Space 

If you have a spare room or apartment, you can rent it out for long- or short-term stays through services like Airbnb. This process is extra simple as you just have to set the dates and keep a clean and desirable place to stay. Just make sure you have updated insurance to cover any potential damages. 

Airbnb has over 7 million listings worldwide and has served over 750 million guests.

Even if you don’t have a room or home to rent, you can rent out parking spaces, lawns, swimming pools, and more. 

  • Pay: Airbnb hosts can make an average of $924 a month — the highest income of all gig economy services.
  • Get started: Register your space for free after deciding your rates, rules, and available hours. You can also check out these other sharing gigs to consider:
    • SniffSpot to share your yard with dogs
    • Swimply to rent your pool
    • JustPark and Spacer offer your parking spaces
    • Spinlister lets you rent sporting equipment
    • Getaround allows you to share your car when not in use

9. Virtual Assistant 

While a virtual assistant (VA) likely has some level of administrative work to do, they offer a number of different services including customer support, human resources, bookkeeping, and more. Most VAs are required to have experience in some type of administrative role. 

  • Pay: Virtual assistants make an average $15.77 an hour, but the pay can reach $27 an hour depending on experience and job needs.
  • Get started: A virtual assistant is their own boss, so you’ll want to follow some of the basic steps to building a business. Checkout Dollarspout’s guide to get started. 

10. Online Surveys

Online surveys may not be the most lucrative side hustle, but the money can add up. They’re convenient, quick, easy, and there are plenty of platforms to use online and on your phone. It’s a good option if you’re just looking for a little extra spending money. 

  • Pay: Each survey pays anywhere from $.10–$3, and there’s usually a minimum earned amount to reach before you can cash out. 
  • Get started: Choose a site like Swagbucks or InboxDollars to start receiving surveys and earning money. You can also earn Google credits you can use immediately with Google Opinion Rewards.

 
$15, but your location will affect prices. If you walk dogs for another company then you’ll have to pay them a cut, too.

  • Get started: Reach out to friends and neighbors to work independently, or join a service like Wag or Rover.

12. Tour Guide

If you live in a historic city or neighborhood, there may be an opportunity for you to offer walking tours of your area to summertime visitors. It’s a great opportunity to look at your city through a new lens and teach others about the area you love. Plus, being a guide will allow you to practice your public speaking skills, and you can use your knowledge of the area for future lesson plans! 

  • Pay: Tour guides make anywhere from $10–$20 an hour with an average of $24,343 a year base pay.
  • Get started: Jump right in as a peer-to-peer guide with Tours by Locals and Shiroube, or reach out to local organizations and attractions to see who’s hiring.

13. Summer Camp Counselor 

Relive your childhood memories of playgrounds, arts and crafts, and water balloon fights, not to mention spend all day in the gorgeous summer sun. You’ll be accustomed to the responsibility that comes with watching children all day, and you can let loose and have fun as a camp counselor.

  • Pay: Day camp counselors earn an average $10 an hour, and managers can make up to $20. Overnight camps pay a couple dollars more at an average of $13.
  • Get started: Local church, YMCA, and Parks and Recreation organizations often host summer and school break camps. You can also search other cities and overnight camps for a more unique camp experience.

14. Lifeguard

There’s nothing better than spending the summer in the sun, and lifeguarding is a great way to do that while protecting others. The American Red Cross offers lifeguard and water safety courses year-round, which will help you earn the necessary certifications and skills for the job.

  • Pay: Lifeguards earn an average of $12 an hour, though job experience may earn you a boost.
  • Get started: Once you complete your lifeguard training, you can apply to be a lifeguard at local pools, beaches, or even your school.

15. Coaching Local Youth Sports

If you were a competitive athlete or just love fitness, you may be able to make money as a youth sports coach. You’ll make the most as a private coach or by starting your own business. This way you can set your price and schedule, but it will be a lot of work in the beginning. 

  • Pay: You can set your own price, but most coaches earn around $14 an hour.
  • Get started: Start with coach training, then reach out to local organizations and meet other coaches in your area for opportunities and recommendations.

16. Lawn and Garden Care

Have a green thumb? You could earn some extra money in the summer months by going old-school and offering to mow lawns and tend to gardens. 

  • Pay: Landscapers earn around $14 on average with the opportunity to earn up to $20 an hour.
  • Get started: If you have your own equipment, advertise to your neighbors through Nextdoor and Facebook groups. Or you can work part-time for an established company.

 
Redbubble, or sell independently at markets and on social media. 

19. Farm for Cash

If you have the space and a green thumb, then consider selling food for cash. Garden vegetables and herbs can sell well on their own, or you can use them to make homemade sauces and salsas. Other products like eggs, honey, and flowers are also popular farmers market staples you can produce at home. Plus, your side hustle can double as a biology lesson.

  • Pay: Your product affects your price, but startup costs for selling at the market and purchasing basic booth needs are under $500.
  • Get started: Once you choose a product, plant it and get your business plan and certifications nailed down while they grow!

20. Begin Blogging

Blogging is a form of infopreneurship where you share your knowledge, build a professional reputation, and earn money. As a teacher, you can sell your lessons and resources, or write an e-book on effective classroom management. If you want a break from the classroom, share your experiences with gardening, business, or family instead. Once you build an audience, you can earn money through advertising or by selling your expertise as a speaker or writer. 

  • Pay: Bloggers earn an average $33,428 a year, but many make closer to $20,000.
  • Get started: Plan your blog topics and study up on how to market your blog, then get started writing. WordPress is a go-to for websites, but you can start out on simpler systems like Wix. 

21. Sell Stock Photos

If you dabble in photography, consider posting your photos on stock photo sites. You can make quite a bit from high-quality and desirable photos, but it’s becoming highly competitive. If you’re new to photography, then you may not make a lot, but if you’re already shooting then you might as well try to earn some money as you learn the basics. 

  • Pay: Stock photography can range from $.10–$80 a photo, and some sites charge you to post on them.
  • Get started: Start taking pictures that aren’t just pretty, but offer a story and context to them. Read up on royalties, then post your photos on sites like Alamy and Shutterstock. 

Many teachers and educators see side hustles or part-time work as a necessity to supplement their income. On the bright side, there are so many options these days that teachers can choose what works best for their schedule or lifestyle. Once you have a side hustle plan, set some savings goals and learn to budget your extra cash appropriately to get you there. 

Sources: Fortunly | Earnest | NEA | Statista 

The post 21 Side Hustles for Teachers In and Out of the Classroom appeared first on MintLife Blog.

Source: mint.intuit.com

Wheeler County, Oregon VA Loan Information

Table of Contents

  • What is the VA Loan Limit?
  • How to Apply for a VA Home Loan?
  • What is the Median Home Price?
  • What are the VA Appraisal Fees?
  • Do I need Flood Insurance?
  • How do I learn about Property Taxes?
  • What is the Population?
  • What are the major cities?
  • About Wheeler County
  • Veteran Information
  • Apply for a VA Home Loan
  • VA Approved Condos

FAQ

What is the VA Loan Limit?

2020 VA Home Loan Limit in Wheeler County is $0 down payment up to $5,000,000* (subject to lender limits) /2 open VA loans at one time $548,250 (Call 877-432-5626 for details).

How to Apply for a VA Home Loan?

This is a quick look at how to apply for a VA home loan in Wheeler County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA home loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Wheeler County. If you have any questions, you can call us at VA HLC and we’ll help you get started.

  1. Get your Certificate of Eligibility (COE)
    • Give us a call at (877) 432-5626 and we’ll get your COE for you.
  2. Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
  3. Get pre-approved, to get pre-approved for a loan, you’ll need:
    • Previous two years of W2s
    • Most recent 30 days paystubs or LES (active duty)
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info
  4. Find a home
    • We can help you check whether the home is in one of the Wheeler County flood zones
  5. Get the necessary inspections
    • Termite inspection: required
    • Well or septic inspections needed, if applicable
  6. Get the home appraised
    • We can help you find a VA-Certified appraiser in Wheeler County and schedule the process
    • Construction loan note: Construction permit/appraisal info
      1. Building permit
      2. Elevation certificate
  7. Lock-in your interest rates
    • Pro tip: Wait until the appraisal to lock-in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
  8. Close the deal and get packing!
    • You’re ready to go.

What is the Median Home Price?

As of March 31st, 2020, the median home value for Wheeler County is $172,177. In addition, the median household income for residents of the county is $33,456.

How much are the VA Appraisal Fees?

  • Single-Family: $775.
  • Individual Condo: $825.
  • Manufactured Homes: $825.
  • 2-4 Unit Multi-Family: $950.
  • Appraisal Turnaround Times: 15 days.

Do I need Flood Insurance?

The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.

How do I learn about Property Taxes?

  • Auralea Woods is the Wheeler county tax assessor. Her office can be reached at 701 Adams Street Ste. 203 Fossil, Oregon 97830. In addition, her office can also be reached by calling (541) 763-4266.
  • The state of Oregon offers businesses that invest and hire in enterprise zones the option to be exempt from property taxes for at least three years. In addition, the Oregon Investment Advantage program encourages new businesses that are starting as well as ones who are relocating to the state with various incentives. For example, the program offers income tax subtraction and elimination of state income liability for new businesses for many years.

What is the Population?

  • The county’s population of 1,332 is 86% White, 6% Hispanic, and 6% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 14% under 18 years old and 36% older than 65.
  • In total, the county has about 661 households, at an average of two people per household.

What are the major cities?

There are currently three cities in the county Mitchell, Spray, and Fossil, the latter of which serves as the county seat.

About Wheeler County

Wheeler County, Oregon officially formed in 1899, the county was named after Henry H. Wheeler, a man who operated the first mail stage line from The Dalles to Canyon City. The county’s boundaries have not changed since it was created. In addition, when the county was created the county seat was set to be temporarily placed in the city of Fossil, which was named after a fossil that was discovered in the area in 1876. A year later an election was held to choose the county seats permanent place, and Fossil won.

Today, the county’s economy depends on its livestock and tourism industries. However, the biggest employment industries in the county are farming, educational services, and public administration. Therefore, the most common occupations in the county are management, farming, and educational instruction.

The Wheeler County Community & Economic Development team is encouraging the growth of its local economy by assisting potential new businesses by getting access to the necessary resources. In addition, free and confidential business advising is also offered to help build a stronger business within the county.

When it comes to education, the county is serviced by two school districts with Fossil School District and Spray School District #1. Both districts provide education for students K-12.

Finally, the county is also home to The Oregon Paleolands Institute headquarters, which provides educational tours, hikes, and workshops to teach more about the region’s geology and paleontology. In addition, the county is also host to annual events like the Wheeler County Fair and Rodeo, and the Wheeler County Bluegrass Festival.   

Veteran Information

The county is currently home to 154 veterans, and they all have access to:

  • County Veteran Assistance Information
    • Wheeler County Veteran Services Office – 401 Fourth Street, Fossil, OR 97830.

Apply for a VA Home Loan

  • For more information about VA Home Loans and how to apply, click here.
  • If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government guaranteed home loans available.  
  • VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.

VA Approved Condos

There are currently no VA-approved condos in Wheeler County, Oregon. However, it is still possible to get a condo through the condo approved and we can help you through the condo approval process, just call us at (877) 432-5626.  

Oregon VA Loan Information: https://www.vahomeloancenters.org/oregon-va-home-loan-limits/

VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/

The post Wheeler County, Oregon VA Loan Information appeared first on VA Home Loan Centers.

Source: vahomeloancenters.org

The Best Cities for Working Students in 2017

The Best Cities for Working Students in 2017

Not all students can cover the cost of their college education with the grants or scholarships in their financial aid packages. Some begin their college careers by taking out student loans, while others look for part-time jobs and work-study positions. Students who are trying to avoid taking on too much debt may wonder what their job prospects look like outside of their college campuses. To help them out, we ranked the best cities in the country for working students.

This is the second annual study of the best cities for working students. Read the 2016 study here.

Study Specifics

For the second year, SmartAsset took a look at the best cities for working students. Our analysis focuses on the employment opportunities for college students attending the top-ranking four-year university in 232 different cities.

To complete our study, we created two different scores: a college value score (based on findings from our study of the best value colleges in America) and a jobs score (based on three factors, including the local minimum wage, the median rent and the unemployment rate for adults with some college education). It is important to note that we changed our methodology slightly this year, so this year’s study is not directly comparable to last year’s. For a full explanation of how we conducted our analysis, read the methodology and data sections below.

See how long it’ll take to pay off your student loans.

Key Findings

  • Minimum wages are rising. Nineteen states and dozens of cities saw their minimum wages increase at the start of 2017. Any boost in pay is sure to benefit working students and other low-wage workers around the country.
  • Check out the Midwest. Four of the best cities for working students are located in this region, thanks in part to their low unemployment rates. In places like Lincoln, Nebraska and Fargo, North Dakota, the unemployment rate among adults with some college education is below 2%.
  • New England ranks well. Four other cities in the top 10 are part of this region, where minimum wages are relatively high. In Portland, Maine and New Britain, Connecticut, for example, the minimum wage is above $10.

The Best Cities for Working Students in 2017

1. Springfield, Massachusetts

Springfield is about 91 miles from Boston by car. One reason why it’s on our list of the best cities for working college students is its high minimum wage. On Jan. 1, Massachusetts’ minimum wage rose from $10 to $11. Massachusetts, Washington state and Washington, D.C. currently have the highest minimum wages in the nation. That’ll change eventually since cities and states like California are planning for their minimum wages to hit $15.

2. Lincoln, Nebraska

Thanks to its strong job market conditions, Lincoln ranks as the second-best city for working students in 2017. The unemployment rate for workers with either an associate’s degree or some college education is just 1.5%, according to one-year estimates from the 2015 American Community Survey. Among all workers ages 16 and over, the city’s unemployment rate is about 3.1%

In addition to having access to a lot of job opportunities, students who attend the University of Nebraska-Lincoln can get plenty of bang for their buck. Our analysis of the best value colleges found that UNL was the top-ranking university in the Cornhusker State in 2015 and 2016.

3. New Britain, Connecticut

New Britain has a few different colleges. Central Connecticut State University is the oldest public university in the state of Connecticut. Finding a job in New Britain shouldn’t be too difficult for students trying to pay their way through school. The unemployment rate for workers with some college education is just 3%.

4. Omaha, Nebraska

This is the second time that Omaha has appeared on our list of the best cities for working students. Last year, the “Gateway to the West” took the 10th spot on our list. Since we published the 2016 edition of our study, the city’s unemployment rate for workers with some college education has fallen to 2.7%.

Working students in Omaha face a diverse economy. Key industries include health services, education, transportation and utilities, meaning that there are a variety of options for students looking for part-time gigs and internships.

5. Portland, Maine

Finding part-time work may not be difficult for students in Portland, Maine. In this city, the unemployment rate among adults with an associate’s degree or some college education is just 3%.

Students who live off campus may have to pay a pretty penny for rent. The median rent in Portland is $923. Fortunately, the city’s minimum wage is relatively high at $10.68.

Related Article: The Best College Towns to Live In – 2016 Edition

6. Tempe, Arizona

Arizona is another state that saw its minimum wage increase on New Year’s Day. In fact, it went up by almost $2. Thanks to the approval of Proposition 206, part-time and full-time workers will now earn $10 per hour. By 2020, the minimum wage will be $12. That’s good news for working students attending one of the many colleges and universities in Tempe, such as Arizona State University.

7. Tacoma, Washington

Tacoma is a mid-sized city in southwest Washington. The unemployment rate for workers in the city with some college education is 5.6%. According to the Census Bureau, that’s lower than the unemployment rate among all adults in Tacoma ages 16 and over (6.5%).

The state of Washington has one of the highest minimum wages in the country and Tacoma’s minimum wage is a bit higher. In 2017, working students in Tacoma will get paid $11.15 per hour.

8. Fargo, North Dakota

Fargo has the lowest unemployment rate in our study among workers with some college education: 0.6%. And thanks to the state’s low income tax rates, working students don’t have to worry about taxes taking a big bite out of their paychecks. Best of all, many students attending colleges in Fargo have access to a quality, yet affordable education. For the 2016-2017 school year, base tuition at the North Dakota State University – the top-ranking college in the state according to our best value colleges list – will be less than $7,000.

9. Lowell, Massachusetts

Since we released the 2016 edition of our analysis, the median rent in Lowell has increased by about 9%. But the state’s minimum wage has risen as well. College students who need to find part-time jobs can expect to be paid at least $11 per hour in 2017.

10. Sioux Falls, South Dakota

Sioux Falls is the largest city in South Dakota and has a population of roughly 171,530. The unemployment rate for workers with some college education is only 2.4%. So students have a good chance of finding a job, particularly if they’re looking for positions in one of the city’s top industries, such as the banking, food processing or bio-medical fields.

The Best Cities for Working Students in 2017

Methodology

To find the best cities for working students in 2017, SmartAsset found the unemployment rate (for workers with some college education or an associate’s degree) and the median rent for 232 U.S. cities with at least one four-year college or university. We also pulled the minimum wage for each of these places.

We took each of our three factors (the median rent, unemployment rate and the local minimum wage) and found the number of standard deviations each city rated above or below the mean. Then we totaled those values and created a single job score reflecting the strength of the job markets in all 232 major cities.

We also developed a score using the index from our study of the U.S. colleges offering the best bang for your buck (based on several factors including average starting salaries and the cost of college tuition). Whenever we had a city with multiple schools on our list of best value colleges, we looked at data for the local top-ranking school (based on our analysis).

Finally, we combined our job score with our college value score, giving the job score triple weight and the college value score full weight. We created our ranking by assigning each city a score between 0 and 100. The highest-ranking city for working students received a 100 while the lowest-ranking city for working students received a 0.

Note that in the 2016 edition of our analysis, we created our ranking by averaging our two scores. This year, we changed our methodology slightly to give more weight to our job-related factors.

Data Sources

Rent and unemployment data are based on one-year estimates from the U.S. Census Bureau’s 2015 American Community Survey. Minimum wage data is based on the appropriate city, state or federal minimum wage.

In some states, the minimum wage for large companies is higher. In these instances, we used the state’s lowest minimum wage (i.e. the minimum wage for small businesses). In states with a different minimum wage for small business employees with benefits, we used the minimum wage for employees without benefits. In the states with a minimum wage that’s below the federal threshold, we used the federal minimum wage.

The data analysis for this study was completed by Nick Wallace.

Questions about our study? Contact us at press@smartasset.com.

Photo credit: ©iStock.com/oneinchpunch

The post The Best Cities for Working Students in 2017 appeared first on SmartAsset Blog.

Source: smartasset.com

Best Places to Celebrate Halloween in 2020

Image shows a carved and lit jack-o-lantern wearing a medical mask and sitting on some steps outside, surrounded by fallen leaves. SmartAsset analyzed various data sources (taking into account COVID-19) to find the best places to celebrate Halloween in 2020.

Halloween typically scares up a major boost in U.S. consumer spending, to the tune of $8.78 billion in 2019, according to the National Retail Federation. Though this year’s celebration will be scaled down in light of the COVID-19 pandemic, the trade group still projects that Americans will shell out $8.05 billion on things like candy, costumes, decorations and greeting cards. Despite the fact that many city governments are discouraging trick-or-treating and the CDC is recommending extensive safety guidelines, it’s still possible for families to get in the spirit of the holiday with the proper protocols in place. Whether you’re planning to don costumes and go house to house with your pod or attend a Zoom masquerade, not all locations are equally conducive to enjoying the festivities. That’s why SmartAsset crunched the numbers to find the best cities in the U.S. to celebrate Halloween in 2020.

To do this, we analyzed data for a total of 210 cities. We considered a range of metrics that we grouped into four categories: family friendliness, safety, weather and candy & costumes. For this year’s study, we included metrics like internet connection and recent COVID-19 infection rates to account for the different ways Americans will celebrate the holiday as a result of the pandemic. For details on our data sources and how we put all the information together to create our final rankings, check out the Data and Methodology section below.

This is SmartAsset’s 2020 study on the best places to celebrate Halloween. Read our 2019 study on the best places to trick-or-treat here.

Key Findings

  • California cities take a number of hallowed spots at the top. Cities in the Golden State dominate the top 10 of this study. Five California cities – Vacaville, Fremont, Livermore, Oceanside and Menifee – are in the top 10, and there are four more in the top 15. The major factor driving a lot of these California cities to the top is their safety rating. Two of the above cities, Livermore and Fremont, rank in the top five for safety. The three other California cities finish within roughly the top 15% of the study for this category.
  • Halloween towns without frightening housing costs. A person who is burdened by housing costs is spending at least 30% of income on housing, with the threshold for “severely housing cost-burdened” at 50%. All the cities in our top 10 have housing costs below that 30% threshold, with residents of Mount Pleasant, South Carolina spending just 17.99% of income on housing costs (ranking first in the top 10 and fifth overall for this metric). The city in the top 10 with the highest housing costs as a percentage of income is Menifee, California, at 28.32% – still coming in below the 30% threshold. The average figure for this metric across all 210 cities in the study is 23.58%, so many families may still have some money left over – no doubt a “boo-n” for their costumes and candy budget.

1. Vacaville, CA

The best place to celebrate Halloween in 2020 is Vacaville, California. There are a study-topping 13.94 candy stores per 10,000 total establishments in Vacaville, which ensures trick-or-treaters will have plenty of sweet options to stick in their pumpkin pails and pillowcases. This, combined with a ranking of 38th out of 210 for the 34.84 costume shops per 10,000 total establishments (a top-quintile ranking), puts Vacaville at ninth in the candy & costumes index for this study. The city also finishes 32nd overall for the safety index, which includes a daily COVID-19 infection rate of 8.27 per 100,000 residents, 58th out of 210.

2. Sparks, NV

Trick-or-treaters who don’t have warm or waterproof costumes can rejoice: Sparks, Nevada has the fifth-best ranking for the weather category in this study. That includes a precipitation probability of just 1.0% on Halloween (ranking ninth out of 210) and an average temperature that is just 3.4 degrees off the ideal Halloween temperature of 60 (ranking 44th out of 210). Nearly 22% of the population in Sparks is younger than 14, the 33rd-highest percentage for this metric in the study and an indication that youngsters will have many in their demographic available to participate in some spooky fun.

3. Fremont, CA

Fremont, California ranks fourth in our study for the safety category. It is tied for the third-lowest rate of new COVID-19 infections in the study, at 3.31 each day per 100,000 residents. Fremont also finishes 24th out of 210 in terms of its relatively low violent crime rate, with just 211 cases per 100,000 residents each year. What’s more, the city finishes 16th in the family friendliness index, buoyed by a population where 95.07% of homes have internet access, seventh-best in this study and helpful for those who want to take their Monster Mash online.

4. Virginia Beach, VA

Virginia Beach, Virginia also scores well in the safety category – ninth-best in the study out of all 210 cities. The violent crime rate in Virginia Beach is particularly low, ranking eighth overall, with just 117 incidents per 100,000 residents each year. In terms of COVID-19 cases, Virginia Beach falls just outside the top quartile, finishing 55th, with 8.16 new cases per 100,000 residents each day. The city also ranks 37th of 210 for its relatively large concentration of costume shops, at almost 35 per 10,000 total establishments.

5. Livermore, CA

The third California city in our top 10 is Livermore, located on the Bay Area’s eastern edge. Livermore ranks third in the safety category, on the strength of being tied for third-fewest new COVID-19 infections, at just 3.31 per 100,000 residents each day. Livermore also has the 21st-lowest rate of violent crime overall (ranking in the best 10% of the study), at 203 incidents per 100,000 residents each year. Furthermore, the city has the 14th-best family friendliness index in the study, powered by an eighth-place ranking for the percentage of homes with internet access, at 95.00%, making it that much easier to use the World Wide Web to show off that homespun spider web decor.

6. Elgin, IL

Elgin, Illinois ranks 11th out of 210 in the family friendliness category of our study. Housing costs represent just 19.87% of income on average, the 24th-best percentage for this metric overall. The population is 22.61% children under the age of 14, ranking 26th out of 210. Elgin is also a fairly festive place for Halloween. There are 12.29 candy stores per 10,000 establishments, the fourth-highest rate for this metric in the study.

7. Mount Pleasant, SC

Mount Pleasant, South Carolina ranks 12th overall for the candy & costumes category out of all 210 cities we analyzed. That includes having 52.93 costume shops per 10,000 establishments, the sixth-highest rate in the study for this metric. Mount Pleasant is also a relatively affordable place to live, having the fifth-lowest housing costs as a percentage of income overall, at just 17.99%.

8. Oceanside, CA

Although housing costs in Oceanside, California make up 28.02% of income (ranking 193rd out of 210), this coastal city near San Diego has the 14th-best weather index score in the study, which is great news for trick-or-treaters who don’t want to be soaked and shivering while they’re participating in contactless candy pickup. There is just a 1.4% chance of precipitation on Halloween in Oceanside (ranking 19th of 210). Plus, the average temperature there, at 8.2 degrees away from 60 degrees, ranks in the top half of the study.

9. Dearborn, MI

Dearborn, Michigan finishes in the top 45 for all four data categories we considered, including ranking 33rd of 210 (a top-quintile ranking) for the candy & costumes category. There are 34.57 costume shops for every 10,000 establishments, the 40th-best rate for this metric in the study. Dearborn is also a very young city: It has the fifth-highest percentage of residents younger than age 14, at 24.87%, which might help costumed kiddos feel a little less like the pandemic’s gotten everyone stuck in a real ghost town.

10. Menifee, CA

Menifee, California ranks 22nd out of 210 for the candy & costumes category. It has 6.78 candy stores per 10,000 establishments, ranking 32nd overall for this metric. It’s also unlikely your Halloween will be rained on in Menifee – there is a 0.6% chance of precipitation on Oct. 31, the best rate for this metric across all the cities we examined.

Data and Methodology

To find the best cities to celebrate Halloween in 2020, we analyzed 210 cities in 10 metrics across four categories:

Family Friendliness Metrics

  • Percentage of residents 14 years or younger. Data comes from the U.S. Census Bureau’s 2019 1-Year American Community Survey.
  • Housing costs as a percentage of income. Data comes from the U.S. Census Bureau’s 2019 1-Year American Community Survey.
  • Percentage of households with internet access. Data comes from the U.S. Census Bureau’s 2019 1-Year American Community Survey.

Safety Metrics

  • Violent crime rate. This is the number of violent crimes per 100,000 residents. Data comes from the FBI’s 2018 Uniform Crime Reporting database as well as NeighborhoodScout.com.
  • Property crime rate. This is the number of property crimes per 100,000 residents. Data comes from the FBI’s 2018 Uniform Crime Reporting database as well as NeighborhoodScout.com.
  • Daily new COVID-19 cases per 100,000 residents. This is the seven-day moving average of newly confirmed COVID-19 cases as of Oct. 17. Data comes from Halloween2020.org.

Halloween Weather Metrics

  • Precipitation probability. This is the chance it rains 0.5 inches or snows 0.1 inches on Halloween. Data comes from the National Oceanic and Atmospheric Administration (NOAA).
  • Average temperature. This is the average maximum temperature on Oct. 31, from 1981 to 2010. We compared the average maximum temperature to 60 degrees Fahrenheit, which we think is the perfect temperature for trick-or-treating. Data comes from the National Oceanic and Atmospheric Administration (NOAA).

Candy & Costumes Metrics

  • Concentration of candy stores. The number of candy stores (including confectionary and nut stores) per 10,000 establishments. Data comes from the 2018 County Business Patterns survey
  • Concentration of costume shops. The number of costume shops (including clothing accessory stores, other clothing stores and formal wear and costume rental stores) per 10,000 establishments. Data comes from the 2018 County Business Patterns survey.

First, we ranked each city in each metric, assigning equal weight to every metric except for the two crime metrics, which each received a half-weight. Then we averaged the rankings across the four categories listed above. For each category, the city with the highest average ranking received a score of 100. The city with the lowest average ranking received a score of 0. We created our final ranking by calculating each city’s average score for all three categories.

Tips for Managing Your Money to Avoid Spooky Surprises

  • Save yourself the toil and trouble. Organizing your finances doesn’t need to be a nightmare. A financial advisor can help make your life much easier. SmartAsset’s free tool matches you with financial advisors in your area in five minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • Make sure your mortgage doesn’t haunt you. If you want to buy a home in one of these great Halloween cities, which are also fantastic locations to lay down roots as a family, consider using SmartAsset’s free mortgage calculator to see what your monthly payment might be.
  • Budgets don’t have to be blood-sucking. A budget can help you get on track to be able to spend a bit extra in October to enjoy Halloween properly. Use SmartAsset’s budget calculator to avoid vampiric bites to your savings account.

Questions about our study? Contact press@smartasset.com.

Photo credit: Â©iStock.com/cglade

The post Best Places to Celebrate Halloween in 2020 appeared first on SmartAsset Blog.

Source: smartasset.com

The Highest Paying Trade Jobs On the Market

Pursuing a four-year degree or higher isn’t for everyone. If you fall into that group, it doesn’t mean you can’t get a high-paying job. There are a surprising number of trade jobs that pay salaries at or above careers that require a four-year degree. They pay well because they’re in demand and are expected to grow for the foreseeable future.

To earn that kind of money, you’ll need to land one of the best trade jobs. And while they may not require a four-year degree, most do require some type of specialized education, typically an associate’s degree (which you can often get from an online college). That has a lot of advantages by itself, because a two-year education is a lot less expensive than a full four-year program.

I covered the best jobs with no college degree previously, and this post is specifically about trade jobs. Choose one that interests you – and fits within your income expectations – then read the description for it. I’ve given you the requirements to enter the trade, the income, working conditions, employment projections and any required education. After reading this guide, you’ll already be on your way to your new career!

Benefits of Pursuing Trade Jobs

For a lot of young people, going to a four-year college is the default choice. But when you see how well the trade jobs pay, and how much less education they require, I think you’ll be interested.

Apart from income, here are other benefits to the best trade jobs:

  • You’ll need only a two-year degree or less, so you’ll save tens of thousands of dollars on your education.
  • You’ll graduate and begin earning money in half as much time as it will take you to complete a four-year degree.
  • Since trade jobs are highly specialized, you’ll mainly be taking courses related to the job, and less of the general courses that are required with a four-year degree.
  • Some schools provide job placement assistance to help you land that first position.
  • Since most of these jobs are in strong demand, the likelihood of finding a job quickly after graduation is very high.

Still another major benefit is geographic mobility, if that’s important to you. Since the best trade jobs are in demand virtually everywhere in the country, you’ll be able to choose where you want to live. Or if life takes one of those strange turns – that it tends to do – you’ll be able to make a move easily without needing to worry about finding a job. There’s an excellent chance one will be waiting for you wherever you go.

The Best Paying Trade Jobs

The table below shows some of the highest paying trades you can enter without a bachelor’s degree or higher. However, most do require at least an associate’s degree (AA) or equivalent education. Not surprisingly, occupations in the medical field are the most common.

The salary indicated is the median for the entire country. But there are large differences from one area of the country to another. Salary information is taken from the US Bureau of Labor Statistics, Occupational Outlook Handbook.

Trade Median Salary Education Requirement
Air traffic controllers $122,990 AA or BS from Air Traffic Collegiate Training Initiative Program
Radiation therapists $85,560 AA degree
Nuclear technicians (nuclear research and energy) $82,080 AA degree
Nuclear medicine technologists $77,950 AA degree
Dental hygienists $76,220 AA degree
Web developers $73,760 AA degree
Diagnostic medical sonographers $68,750 AA degree
MRI technologists $62,280 AA degree
Paralegals $51,740 AA degree
Licensed practical nurses $47,480 AA degree or state approved educational program

The table doesn’t list other common trades, like electricians, plumbers, elevator repair techs, welders or mechanics. To enter those fields you’ll usually need to participate in an apprentice program sponsored by an employer, though there may be certain courses you’ll need to complete.

The Best Trade Jobs in Detail

The table above summarized the best trade jobs, as well as the median salary and the basic educational requirements. Below is additional information specific to each job – and more important – why it’s a career worth considering.

Air Traffic Controller

Air traffic controllers coordinate aircraft both on the ground and in the air around airports. They work in control towers, approach control facilities or route centers. The pay is nearly $123,000 per year, and the job outlook is stable.

Education/Training Required: You’ll need at least an associate’s degree, and sometimes a bachelor’s degree, that must be issued by the Air Traffic Collegiate Training Initiative Program. There are only 29 colleges across the country that offer the program. Some of the more recognizable names include Arizona State University, Kent State University, Purdue University, Southern New Hampshire University (SHNU), and the University of Oklahoma.

Job Challenges: The limited number of colleges offering the program may be inconvenient for you. The job also requires complete concentration, which can be difficult to maintain over a full shift. You’ll also be required to work nights, weekends, and even rotating shifts. And since the pay is high and demand for air traffic controllers expected to be flat over the next few years, there’s a lot of competition for the positions.

Why you may want to become an air traffic controller:

  • The pay is an obvious factor – it’s much higher than most jobs that require a bachelor’s degree.
  • You have a love for aviation and want to be in the middle of where the action is.
  • Jobs are available at small private and commercial airports, as well as major metropolitan airports.

Radiation Therapists

Radiation therapists are critical in the treatment of cancer and other diseases that require radiation treatments. The work is performed mostly in hospitals and outpatient centers, but can also be in physician offices. Income is well over $85,000 per year, and the field is expected to grow by 9% over the next decade, which is faster than average for the job market at large.

Education/Training Required: You’ll need either an associate’s or bachelor’s degree in radiation therapy, and licensing is required in most states. That usually involves passing a national certification exam.

Job Challenges: You’ll be working largely with cancer patients, so you’ll need a keen sensitivity to the patient’s you’re working with. You’ll need to be able to explain the treatment process and answer questions patients might have. There may also be the need to provide some degree of emotional support. Also, if you’re working in a hospital, the position may involve working nights and weekends.

Why you may want to become a radiation therapist:

  • You have a genuine desire to help in the fight against cancer.
  • The medical field offers a high degree of career and job stability.
  • The position pays well and typically comes with a strong benefits package.

Nuclear Technicians

Nuclear technicians work in nuclear research and energy. They provide assistance to physicists, engineers, and other professionals in the field. Work will be performed in offices and control rooms of nuclear power plants, using computers and other equipment to monitor and operate nuclear reactors. The pay level is about $82,000 per year, and job growth is expected to be slightly negative.

Education/Training Required: You’ll need an associate’s degree in nuclear science or a nuclear related technology. But you’ll also need to complete extensive on-the-job training once you enter the field.

Job Challenges: There is some risk of exposure to radiation, though all possible precautions are taken to keep that from happening. And because nuclear power plants run continuously, you should expect to do shift work that may also include a variable schedule. The biggest challenge may be that the field is expected to decline slightly over the next 10 years. But that may be affected by public attitudes toward nuclear energy, especially as alternative energy sources are developed.

Why you may want to become a nuclear technician:

  • You get to be on the cutting edge of nuclear research.
  • Compensation is consistent with the better paying college jobs, even though it requires only half as much education.
  • There may be opportunities to work in other fields where nuclear technician experience is a job requirement.
  • It’s the perfect career if you prefer not dealing with the general public.

Nuclear Medicine Technologists

Nuclear medicine technologists prepare radioactive drugs that are administered to patients for imaging or therapeutic procedures. You’ll typically be working in a hospital, but other possibilities are imaging clinics, diagnostic laboratories, and physician’s offices. The position pays an average of $78,000 per year, and demand is expected to increase by 7% over the next decade.

Education/Training Required: You’ll need an Associates degree from an accredited nuclear medicine technology program. In most states, you’ll also be required to become certified.

Job Challenges: Similar to radiation therapists, you’ll need to be sensitive to patient needs, and be able to explain procedures and therapies. If you’re working in a hospital, you may be required to work shifts, including nights, weekends, and holidays.

Why you may want to become a nuclear medicine technologist:

  • You have a strong desire to work in the healthcare field, participating in the healing process.
  • Nuclear medicine technologists are in demand across the country, so you can choose your location.
  • The field has an unusual level of job stability, as well as generous compensation and benefits.

Dental Hygienist

Dental hygienists provide dental preventative care and examine patients for various types of oral disease. They work almost entirely in dentists offices, and can be either full-time or part-time. The annual income is over $76,000, and the Bureau of Labor Statistics projects a healthy 11% growth rate over the next decade.

Education/Training Required: An associate’s degree in dental hygiene, though it usually takes three years to complete rather than the usual two. Virtually all states require dental hygienists to be licensed, though requirements vary by state.

Job Challenges: You’ll need to be comfortable working in people’s mouths, some of whom may have extensive gum disease or poor dental hygiene. But you also need to have a warm bedside manner. Many people are not comfortable going to the dentist, let alone having their teeth cleaned, and you’ll need to be able to keep them calm during the process.

Why you may want to become a dental hygienist:

  • Dental hygienists have relatively regular hours. Though some offices may offer early evening hours and limited Saturday hours, you’ll typically be working during regular business hours only.
  • You can work either full-time or part-time. Part-time is very common, as well as rewarding with an average hourly pay of $36.65.
  • Dental hygienists can work anywhere there’s a dental office, which is pretty much everywhere in the Western world.

Web Developers

Web developers design and create websites, making the work a nice mix of technical and creative. They work in all types of environments, including large and small companies, government agencies, small businesses, and advertising agencies. Some are even self-employed. With an average annual income of nearly $74,000, jobs in the field are expected to grow by 13% over the next decade. That means web developers have a promising future.

Education/Training Required: Typically an associates degree, but that’s not hard and fast. Large companies may require a bachelor’s degree, but it’s also possible to enter the field with a high school diploma and plenty of experience designing websites. It requires a knowledge of both programming and graphic design.

Job Challenges: You’ll need the ability to concentrate for long stretches, as well as to follow through with both editing and troubleshooting of the web platforms you develop. Good customer service skills and a lot of patience are required, since employers and clients are given to change direction, often with little notice.

Why you may want to become a web developer:

  • It’s an excellent field for anyone who enjoys working with computers, and has a strong creative streak.
  • Web designers are needed in just about every area of the economy, giving you a wide choice of jobs and industries, as well as geographic locations.
  • This is one occupation that can lead to self-employment. It can be done as a full-time business, but it can also make the perfect side hustle.

Diagnostic Medical Sonographers

Diagnostic medical sonographers operate special imaging equipment designed to create images for aid in patient diagnoses. Most work in hospitals where the greatest need is, but some also work in diagnostic labs and physician’s offices. The pay is nearly $69,000 per year, and the field is expected to expand by 14%, which is much faster than the rest of the job market.

Education/Training Required: Most typically only an associate’s degree in the field, or at least a postsecondary certificate from a school specializing in diagnostic medical sonography.

Job Challenges: Similar to other health related fields, you’ll need to have a calm disposition at all times. Many of the people you’ll be working with have serious health issues, and you may need to be a source of comfort while you’re doing your job. You’ll need to develop a genuine compassion for the patients you’ll be working with.

Why you may want to become a diagnostic medical sonographer

  • The field has an exceptionally high growth rate, promising career stability.
  • As a diagnostic medical sonographer, you’ll be able to find work in just about any community you choose to live in.
  • It’s an opportunity to earn a college level income with just a two-year degree.

MRI Technologists

As an MRI technologist, you’ll be performing diagnostic imaging exams and operating magnetic resonance imaging scanners. About half of all positions are in hospitals, with the rest employed in other healthcare facilities, including outpatient clinics, diagnostic labs, and physician’s offices. The average pay is over $62,000 per year, and the field is expected to grow by 9% over the next 10 years.

Education/Training Required: You’ll need an associate’s degree in MRI technology, and even though very few states require licensing, employers often prefer candidates who are. MRI technologists often start out as radiologic technologists, eventually transitioning into MRI technologists.

Job Challenges: Similar to other healthcare occupations, you’ll need to have both patience and compassion in working with patients. You’ll also need to be comfortable working in windowless offices and labs during the workday.

Why you may want to become an MRI technologist:

  • With more than 250,000 jobs across the country, you’re pretty much guaranteed of finding work on your own terms.
  • You’ll typically be working regular business hours, though you may do shift work and weekends and holidays if you work at a hospital.
  • Solid job growth means you can look forward to career stability and generous benefits.

Paralegals

Paralegals assist lawyers, mostly by doing research and preparing legal documents. Client contact can range between frequent and nonexistent, depending on the law office you’re working in. But while most paralegals do work for law firms, many are also employed in corporate legal departments and government agencies. The position averages nearly $52,000 per year and is expected to grow by 12% over the next 10 years.

Education/Training Required: Technically speaking there are no specific education requirements for a paralegal. But most employers won’t hire you unless you have at least an associate’s degree, as well as a paralegal certification.

Job Challenges: You’ll need to have a willingness to perform deep research. And since you’ll often be involved in preparing legal documents, you’ll need a serious eye for detail. You’ll also need to be comfortable with the reality that much of what takes place in a law office involves conflict between parties. You may find yourself in the peacemaker role more than occasionally. There’s also a strong variation in pay between states and even cities. For example, while average pay in Washington DC is over $70,000 per year, it’s only about $48,000 in Tampa.

Why you may want to become a paralegal:

  • There are plenty of jobs in the field, with more than 325,000. That means you’ll probably be able to find a job anywhere in the country.
  • You’ll have a choice of work environments, whether it’s a law office, large company, or government agency.
  • You can even choose the specialization since many law firms work in specific niches. For example, one firm may specialize in real estate, another in family law, and still another in disability cases.

Licensed Practical Nurses

Licensed practical nurses provide basic nursing care, often assisting registered nurses. There are more than 700,000 positions nationwide, and jobs are available in hospitals, doctor’s offices, nursing homes, extended care facilities, and even private homes. With an average pay level of over $47,000 per year, the field is expected to grow by 11% over the next decade.

Education/Training Required: At a minimum, you’ll need to complete a state approved LPN education program, which will take a year to complete. But many employers prefer candidates to have an associate’s degree, and will likely pay more if you do. As medical caregivers, LPNs must also be licensed in all states.

Job Challenges: As an LPN, just as is the case with registered nurses, you’ll be on the front line of the healthcare industry. That means constant contact with patients and family members. You’ll need to be able to provide both care and comfort to all. If you’re working in a hospital, nursing home, or extended care facility, you’ll be doing shift work, including nights and weekends.

Why you may want to become a licensed practical nurse:

  • With jobs available at hospitals and care facilities across the country, you’ll have complete geographic mobility as well as a choice of facilities.
  • You may be able to parlay your position into registered nursing by completing the additional education requirements while working as an LPN.
  • Though most positions are full-time, it may be possible to get a part-time situation if that’s your preference.

Start On Your Career Path by Enrolling in a Trade School

If you want to enter any of the trades above, or one of the many others that also have above average pay and opportunity, you’ll need to enroll in a trade school. However, in many cases it will be better to get the necessary education – especially an associate’s degree – at a local community college. Not only are they usually the least expensive places to get higher education, but there’s probably one close to your home.

Steps to enrolling in a trade school

Whether you go to a community college, a trade school, or enroll in a certificate program, use the following strategy:

  1. Develop a short list of the schools you want to attend to give yourself some choices.
    Make sure any school you’re considering is accredited.
  2. Do some digging and make sure the school you want to attend has a job placement office with a solid record of success.
  3. Complete an application form with the school, but be sure to do it well in advance of the beginning of the semester or school year.
  4. Apply for any financial aid that may be available. You can use the tool below to get started.
  5. Consider whether you want to attend on a full-time or part-time basis. Full-time will be quicker, but part-time will enable you to earn money while you’re getting your certificate or degree, as well as spread the cost of your schooling over several years.

Tax credits can help you afford your education

Even if you don’t qualify for financial aid, the government may still be able to help by providing tax credits. Tax credits can be even better than tax deductions, because they provide a direct reduction of your tax liability.

For example, the American Opportunity Credit is available for students for qualified education expenses paid for the first four years of higher education. The credit is $2,500 per year, covering 100% of the first $2,000 in qualified education expenses, plus 25% of the next $2,000.

Another credit is the Lifetime Learning Credit. It’s a credit for tuition and other education expenses paid for courses taken to acquire or improve job skills, including formal degree programs. The credit is worth up to $2,000 per tax return, based on 20% of education expenses up to $10,000 paid.

What to watch out for when looking for trade schools

When choosing a trade school it pays not to be too trusting. While that shouldn’t be a problem with community colleges, since they’re publicly accredited, there are a large number of for-profit trade schools that are not only expensive, but they often don’t have the best reputations. That isn’t to say all for-profit schools are scam artists, but the possibility is real.

Make sure the school is accredited by your state.
Don’t rely on assurances by the school that they’re accredited by some poorly known and totally unrecognized industry trade group.

Check out the school with reliable third-party sources.
This can include your state Department of Education, the Better Business Bureau, and even reviews on Yelp or other social media sites. If the school has burned others, you could be a future victim.

Interview people already working in your chosen field.
They’re likely to know which schools are legitimate, and which have a less than savory reputation.

Don’t ignore cost!
Don’t pay $30,000 at a for-profit school when you can get the same education for half as much at a community college. This will be even more important if you will be using student loans to pay for your education. Overpaying for school means you’ll be overpaying on your student loan.

How We Found the Best Trade Jobs of 2021

Just so you know our list of the best trade jobs isn’t just our opinion, we used the following methodology in including the occupations we did:

  • The occupations frequently appear on published lists of “the best jobs without a college degree”.
  • We focused on those occupations that appeared frequently across several lists.
  • We specifically chose fields that could best be considered semi-professional. That means that while they don’t require a four-year degree or higher, they do require at least some form of education, and in most cases, a certification. We consider this an important criteria, because career fields with a low entry bar can easily become saturated, forcing pay levels down.
  • As the table at the beginning of this guide discloses, statistical information for each of these occupations was obtained from the US Bureau of Labor Statistics, Occupational Outlook Handbook.

Summary: The Best Trade Jobs

If you’re a high school student, a recent high school graduate, or you’re already in the workforce and looking to make a career change, take a close look at these trade jobs. They pay salaries comparable to jobs that require a four-year college degree, but you can enter with just a two-year degree or less.

That will not only cut the time, cost, and effort in getting your education in half, but it will also enable you to begin earning high pay in only one or two years.

Pick the field that’s right for you, choose a reputable trade school or community college, then get started in time for the next semester.

The post The Highest Paying Trade Jobs On the Market appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

Luxury Real Estate Trends to Watch in 2020 

What will 2020 bring?  These four trends are expected to impact luxury buying and selling in the new year and decade ahead. 

1. Luxury Housing Holds Steady

This year, expect “guarded optimism” to replace last year’s uncertainty over fears about a global economic slowdown, a U.S.-China trade war and a potential U.S. recession, according to Mansion Global. This is encouraging news for luxury real estate, which has traditionally been tied to global economic growth, yet is generally more insulated from market fluctuations. Many U.S. luxury housing meccas are generally stable, while some high-end hotspots like Los Angeles and Miami could be poised to rise or make a comeback in 2020. 

2. The Rise of the Mid-Sized Luxury Market 

When realtor.com released its annual list of the hottest markets last December, surprise cities like Boise, McAllen, Texas and Tucson topped the list. “The cities that we expect to do best in 2020 are not necessarily big, fancy, coastal cities, but secondary markets where the job market is still pretty good but housing is affordable,” said Danielle Hale, chief economist of realtor.com. Affluent buyers from high-cost cities want a good deal as much as anyone — so we expect to see midsized cities with stable and solid economies and more affordable housing as the top performers in 2020. 

3. Less Square Footage

“Less” is becoming “more” — even in the highest price segments. Consistent with NAHB data that found the average new single-family home size has been trending lower since 2015, realtors in some luxury markets are reporting that a growing number of affluent buyers are willing to “trade space for place.” This is especially true in the luxury condo segment, where buyers are increasingly getting flexible on square footage if a building has amenities or hospitality programs attached to it. 

4. Urbanization of the ‘Burbs, Emergence of ‘Hipsturbias’

People are moving back to the cities, it’s true — but as millennials start families another phenomenon has emerged, according to Emerging Trends in Real Estate 2020, a report released by Urban Land Institute and PwC: “hipsturbias.” Hipsturbias are suburban markets with hip or cool live/work/play environments offering walkability and/or transit access. Brooklyn is a prototype, but hipsturbia examples are beginning to crop up across the U.S. — from New Jersey communities such as Hoboken, Maplewood, and Summit, to New York’s Yonkers and New Rochelle, to Evanston, Illinois and further out west — Santa Clara, California, and Tempe, Arizona. 

Which trend do you see impacting your community?

The post Luxury Real Estate Trends to Watch in 2020  first appeared on Century 21®.

Source: century21.com