(823,1,'2020-10-22 22:21:20','2020-10-22 22:21:20','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"polaris__heading polaris__heading--title\" style=\"text-align: center;\"><strong>The 25 Cheapest U.S. Cities to Live In</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\">When it comes to cheap living, the best places to settle down are mostly south of the Mason-Dixon line. Texas, Tennessee and Arkansas are just a few states making multiple appearances on our list.</span></p>\n<p><span style=\"color: #000000;\">But if you\'re thinking about relocating to one of these cheapest cities to live in, just remember to weigh the pros and cons. A low cost of living is attractive, but the allure lessens if jobs are hard to come by, paychecks are small or the town offers little to do. Plan an extended visit to ensure the city fits your needs.</span></p>\n<p><span style=\"color: #000000;\">We compiled our rankings based on the Council for Community and Economic Research\'s calculations of living expenses in 270 urban areas. Its Cost of Living Index measures prices for housing, groceries, utilities, transportation, health care and miscellaneous goods and services such as going to a movie or getting your hair done at a salon.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"308999\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">25. Lynchburg, Virginia</span></h3>\n<div class=\"polaris__single-slide--photo\"><span style=\"color: #000000;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 1666w\" /></span></div>\n</div>\n</div>\n<div class=\"polaris__ad -empty-ad-slot -float-right\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-kglcx4se\"></div>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 11.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 82,126</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $42,389 (U.S.: $61,937)</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$175,500 (U.S.: $229,700)</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.9% (U.S.: 8.4%)</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Lynchburg sits in the foothills of the famed Blue Ridge Mountains and is home to Liberty University, the city\'s largest employer. But a diversity of businesses and industries makes Lynchburg more than just a college town.</span></p>\n<p><span style=\"color: #000000;\">A comparatively resilient job market – the unemployment rate stands well below the national level – and a low cost of living help explain how Lynchburg has ranked near the top of Gallup\'s well-being index.</span></p>\n<p><span style=\"color: #000000;\">The \"City of Seven Hills\" makes this list of cheapest U.S. cities to live in largely because its residents spend nearly a fifth less than the national average on housing costs. Groceries and transportation costs run about well below what the average American pays, too.</span></p>\n<p><span style=\"color: #000000;\">But not every last thing is cheaper in Lynchburg. Utilities do cost a little more than the national average, for instance. Beer costs about 5% more on average, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"311263\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">24. Springfield, Missouri</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<div class=\"polaris__ad -empty-ad-slot -float-right\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-kglcx4td\"></div>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.2% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 168,113</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $33,879</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$120,800</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Springfield, also known as the \"Queen City of the Ozarks\" and the \"Birthplace of Route 66,\" sports an overall cost of living that is more than 12% below the national average.</span></p>\n<p><span style=\"color: #000000;\">Housing-related costs, which are 30% less than what the average American pays, make up the lion\'s share of residents\' savings. Apartment rents are about 22% cheaper and average home prices are a little more than half the national level. Springfielders enjoy savings on groceries, transportation and utilities, too.</span></p>\n<p><span style=\"color: #000000;\">Springfield might not be the biggest city in Missouri, but it\'s certainly not lacking for culture. The Springfield Opera, Springfield Ballet and Springfield Symphony are just some of the city\'s offerings. It\'s also home to Missouri State University.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"312529\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">23. Temple, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.3% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 76,251</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $54,028</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$153,000</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.0%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Situated about 65 miles north of Austin, the Killeen-Temple metro area started out as a 19th century railroad town, but today it\'s as modern as they come. The area is home to a major regional medical center, and its Central Texas location makes it an ideal base for distribution and logistics companies.</span></p>\n<p><span style=\"color: #000000;\">But whether you\'re a doctor or truck driver, Temple won\'t overburden your bank account. Overall, the cost of living is 12.3% cheaper than the national average. Although health care is about 16% more expensive in Temple, and utilities are pricier too, residents catch a break on a range of other costs. Housing costs are 25% below the national average, while groceries are generally around 22% cheaper than elsewhere, making it one of the cheapest U.S. cities you can live in.</span></p>\n<p><span style=\"color: #000000;\">Fun fact: NFL Hall of Fame defensive tackle \"Mean\" Joe Greene was raised and played high school football in Temple.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"436990\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">22. Jonesboro, Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 76,990</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $45,057</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$163,100</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.6%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Best known as the home of Arkansas State University, Jonesboro is a college town with a degree in affordability. For instance, putting a roof over your head costs about a third less than the national average, according to the Cost of Living Index.</span></p>\n<p><span style=\"color: #000000;\">Health care is very reasonable, too. A visit to the doctor is in line with the national average, but other specialties are appreciably more affordable. A trip to the optometrist costs a quarter less than the national average, and you\'ll save about 20% on a trip to the dentist.</span></p>\n<p><span style=\"color: #000000;\">And when you feel the need to escape to a big city, Memphis is a little more than an hour\'s drive from Jonesboro (more on the budget-friendly charms of Memphis later). Another plus is that Jonesboro\'s unemployment rate is below the national average.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"455425\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">21. Morristown, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.9% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 29,547</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $32,386</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$111,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 7.3%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Morristown is steeped in frontier history. The small city, which is less than an hour\'s drive east from Knoxville, is where you\'ll find the Crockett Tavern Museum, a reconstruction of Davy Crockett\'s boyhood home.</span></p>\n<p><span style=\"color: #000000;\">The King of the Wild Frontier wouldn\'t recognize the area today, but he\'d find it still to be a comparatively economical place to live.</span></p>\n<p><span style=\"color: #000000;\">Housing-related expenses including rents and mortgages are nearly 30% lower than the national average, according to the Council for Community and Economic Research\'s Cost of Living Index. Costs for transportation run are almost 20% below what the average American pays. Health care and grocery items also contribute to Morristown\'s ranking among the cheapest U.S. cities to live in.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"517209\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">20. Danville, Illinois</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 13.1% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 31,554</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $36,176</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$67,400</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 9.3%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">About 120 miles south of Chicago sits Danville, Ill., a small, unassuming city that was once the home of Dick Van Dyke, Gene Hackman, Donald O\'Connor and Bobby Short. Perhaps most impressively, Abraham Lincoln spent 18 years practicing law in Danville. The city has more than a dozen sites commemorating his time there.</span></p>\n<p><span style=\"color: #000000;\">Danville was a coal-mining center for the first half the 20th century, but that industry petered out after World War II. Today, major employers include the U.S. Department of Veterans Affairs, grocery distributor McLane/Midwest and Blue Cross Blue Shield.</span></p>\n<p><span style=\"color: #000000;\">A comparatively high unemployment rate and relatively low median incomes and home values keep prices in check. Housing-related expenses including mortgages and rents stand 35% below the U.S. average. The average price for a house in Danville is $235,820 vs. a national average of $370,590.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"519763\" data-gtm-vis-first-on-screen-13583501_192=\"519763\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">19. Wichita Falls, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living: </strong>13.2% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 104,568</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $47,195</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value:</strong> $97,200</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The largest employer in Wichita Falls is the United States Air Force, with Sheppard Air Force Base located just a short drive from downtown. But this city situated 140 miles northwest of Dallas claims other distinctions, too.</span></p>\n<p><span style=\"color: #000000;\">Wichita Falls is home to the Professional Wrestling Hall of Fame &amp; Museum, boasts the \"world\'s littlest skyscraper\" and allows servicemen and civilians alike to really stretch their paychecks. Housing costs, for example, run more than 20% below the national average. Groceries, health care and transportation costs also are lower than the national average.</span></p>\n<p><span style=\"color: #000000;\">Just be forewarned that this North Texas city gets H-O-T in summer, with average highs of 97 degrees in July. Utilities tend to cost about 10% more than the national average.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"562665\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">18. Hattiesburg, Mississippi</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 13.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 46,251</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $33,792</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$112,100</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 7.2%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Hattiesburg might be on the small side and it might be cheap, but it sure has a lot going on. It\'s home to both the University of Southern Mississippi – Southern Miss to locals – and William Carey University, a Baptist liberal arts college. Camp Shelby, the largest National Guard training base east of the Mississippi River, is nearby. Hattiesburg is also home to the African American Military History Museum, as well as numerous other museums, galleries and theaters.</span></p>\n<p><span style=\"color: #000000;\">Feel the need to get out of town? It\'s a 90-minute drive from Hattiesburg to the beaches and casinos along Mississippi\'s Gulf Coast.</span></p>\n<p><span style=\"color: #000000;\">At the same time, Hattiesburg, just 115 miles to the north of New Orleans, is one of the cheapest U.S. cities to live in. Whether you rent or own, housing expenses are a third lower than the national average. Utilities, transportation costs and health care are also bargains.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"579050\" data-gtm-vis-first-on-screen-13583501_192=\"579050\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">17. Texarkana, Texas/Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 1666w\" /></span></h3>\n<div class=\"polaris__single-slide--photo\">\n<div class=\"polaris__image--wrapper lazyloaded\">\n<div class=\"polaris__image--meta\"></div>\n</div>\n</div>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 13.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 151,675</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $45,212</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$110,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.6%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The twin cities of Texarkana, Texas, and Texarkana, Ark., make up some of the most affordable real estate to live in the U.S., especially when it comes to some of life\'s biggest expenses.</span></p>\n<p><span style=\"color: #000000;\">Housing-related costs are about a third below the U.S. average. Apartments rent, for example, averages $718 a month in this border city. Nationally, the average rent comes to $1,169. Grocery items, utilities, health care and transportation are all significantly cheaper, as well.</span></p>\n<p><span style=\"color: #000000;\">A trip to the doctor in Texarkana costs an average of $95, according to the Cost of Living Index. Nationally, a doctor\'s visit costs $115.67. And a dozen eggs will go for $1.28 in Texarkana vs. a national average of $1.45.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"597704\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">16. Oklahoma City, Oklahoma</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.2% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 649,410</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $53,973</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$161,700</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.6%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The largest city in Oklahoma offers remarkably affordable prices for its size. The biggest reason: Housing costs run about 20% below the national average, according to the Cost of Living Index, which takes into account both home prices and apartment rents.</span></p>\n<p><span style=\"color: #000000;\">And, yet, as a metro area with 1.4 million people, Oklahoma City offers a lot of big-city attractions, from a philharmonic orchestra to the National Softball Hall of Fame and Museum. At the professional sports level, the NBA\'s Oklahoma City Thunder is a regularly competitive team.</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"614567\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">15. Seguin, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.3% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 28,357</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $48,782</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$124,000</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Seguin, Texas, is a small town in the San Antonio-New Braunfels metro area, about 30 miles from downtown San Antonio. Although the Texas town is quite small with a population of less than 30,000, it\'s well situated to take advantage of any big-city benefits. After all, the San Antonio metro area has a population of more than 2.5 million.</span></p>\n<p><span style=\"color: #000000;\">That\'s not to say that tiny Seguin is without its own charms. Max Starcke Park comprises 227 acres located along the scenic Guadalupe River. The city is also home to the world\'s oldest and largest pecan statue and a nutcracker museum.</span></p>\n<p><span style=\"color: #000000;\">Housing costs are about 18% lower than the national average in Seguin. Low costs on health care, groceries, transportation, utilities and miscellaneous expenses also contribute to Seguin\'s ranking among the 25 cheapest cities in America.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"638968\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">14. Decatur/Hartselle, Alabama</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.5% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 152,046</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $49,133</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$132,500</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 4.5%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Decatur and Hartselle are two Northern Alabama cities with an abundance of outdoor activities, cultural diversions and low cost of living. Decatur\'s economy benefits from being the busiest port on the Tennessee River, and from NASA\'s Marshall Space Flight Center in nearby Huntsville. Tourism is another driver of the local economy, thanks to the Wheeler National Wildlife Refuge, the Carnegie Visual Arts Center and festivals such as the Alabama Jubilee Hot Air Balloon Classic.</span></p>\n<p><span style=\"color: #000000;\">Nearby Hartselle, about 10 miles south, shares the charms of its neighbor to the north. Residents can cool off in the summer at the city\'s sprawling aquatic center, which includes a water slide and diving platform. And Southern history buffs will want to stroll through the Hartselle Downtown Commercial Historic District, which is listed in the National Register of Historic Places.</span></p>\n<p><span style=\"color: #000000;\">Residents can enjoy all this and more without breaking the bank. Housing-related costs including mortgages and rents in Decatur are about 15% cheaper than the national average. Apartment rents are less than half of what the average American shells out every month. Prices on a wide range of goods and services, from pizza to haircuts to dry cleaning, are cheaper, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"641390\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">13. Florence, Alabama</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.7% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 40,104</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $38,902</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$134,500</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The city of Florence, the birthplace of Helen Keller, sits in the northwest corner of Alabama on the Tennessee River, about a two-hour drive from Birmingham.</span></p>\n<p><span style=\"color: #000000;\">Florence – as well as the surrounding area, known as The Shoals – boast a number of other attractions. The nearby Muscle Shoals Sound Studio has a rich history; it\'s where The Rolling Stones recorded the hit songs \"Wild Horses\" and \"Brown Sugar.\" Florence claims Alabama\'s only house designed by legendary architect Frank Lloyd Wright. The city also hosts the University of North Alabama.</span></p>\n<p><span style=\"color: #000000;\">Happily for residents of Florence, the city\'s distinctive sites and southern charm come at a reasonable price. Housing-related expenses are 35% less than what the average American pays. For example, the average apartment rents for $574, which is about half the national average. Health care costs about 25% less in Florence.</span></p>\n<p><span style=\"color: #000000;\">All other major expenses tracked by the Cost of Living Index likewise take a smaller bite of folks\' paychecks, putting Florence in the middle of the pack of the 25 cheapest U.S. cities to live in.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"690640\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">12. Tulsa, Oklahoma</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 15.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 402,223</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $46,113</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$133,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.1%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">This Oklahoma city traces its roots back to the Western expansion, first as a cattle town and later as the \"Oil Capital of the World.\"</span></p>\n<p><span style=\"color: #000000;\">Reminders can be found everywhere.</span></p>\n<p><span style=\"color: #000000;\">The Gilcrease Museum, which specializes in exhibits about the American West, offers free admission for kids under 18, active-duty military and veterans and K-12 Oklahoma teachers.</span></p>\n<p><span style=\"color: #000000;\">Another must-see is the 1920s villa that is home to the Philbrook Museum of Art. Construction of the opulent Italian renaissance building was financed by the oil boom. There\'s no charge to visit on the second Saturday of each month.</span></p>\n<p><span style=\"color: #000000;\">Housing costs are a whopping 39% below the national average, while groceries, health care, transportation, utilities and miscellaneous expenses are all below-average too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"715858\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">11. Jackson, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 15.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 66,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $38,973</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$126,200</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 8.3%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Jackson, Tennessee, and surrounding Madison County are located 90 miles northeast of Memphis, which, as we\'ll see, is also among the least expensive cities in the U.S.</span></p>\n<p><span style=\"color: #000000;\">Jackson serves as a regional center of trade for west Tennessee. Some of the area\'s largest employers include Kellogg (K), Stanley Black &amp; Decker (SWK) and Toyota (TM). The city doesn\'t lack for leisure activities either. The Ned R. McWherter West Tennessee Cultural Arts Center, the West Tennessee Healthcare Sportsplex and the International Rock-A-Billy Hall of Fame Museum are just three of the city\'s main attractions.</span></p>\n<p><span style=\"color: #000000;\">And it all comes in an affordable package. The overall cost of living is 15.6% less than the national average, led by particularly low health care and housing expenses.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"772815\" data-gtm-vis-first-on-screen-13583501_192=\"772815\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">10. Anniston, Alabama</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<div class=\"polaris__ad -empty-ad-slot -float-right\">\n<div class=\"polaris__ad--inner\"></div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 16.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 21,924</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $33,688</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$96,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.5%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">About an hour\'s drive east from Birmingham sits Anniston. The city\'s proximity to the Mountain Longleaf National Wildlife Refuge makes it a good jumping off point for hikers, mountain bikers and other outdoorsy types. The city also has its quirks. It\'s home to the world\'s largest office chair – a 33-foot-tall seat that was once recognized by Guinness World Records.</span></p>\n<p><span style=\"color: #000000;\">Anniston\'s low cost of living puts it among the 10 cheapest U.S. cities to live in, but it comes alongside a low median income that\'s roughly 26% below the national average. That said, household incomes and home values are higher in other parts of Calhoun County, of which Anniston is the county seat.</span></p>\n<p><span style=\"color: #000000;\">Although the economic picture could be brighter, Anniston has its charms, including architectural gems such as Victorian homes and historic churches.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"835105\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">9. Knoxville, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 16.8% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 187,514</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $40,459</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$139,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Thrifty types should volunteer to check out Knoxville, one of four Tennessee cities to make the list for inexpensive living. The city is notable for its across-the-board affordability for everything from food to transportation, according to the Cost of Living Index.</span></p>\n<p><span style=\"color: #000000;\">Consider Knoxville, the original state capital before Nashville, a good mix of city and country living. It is home to the University of Tennessee and the Women\'s Basketball Hall of Fame, but Knoxville is also the gateway to the Great Smoky Mountains. The Tennessee River runs through downtown.</span></p>\n<p><span style=\"color: #000000;\">The city was a strategic objective in the Civil War, so history buffs can visit a number of battlefields nearby, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"855436\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">8. Fayetteville, Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 16.9% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 86,765</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $41,890</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$226,000</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.7%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Life is good, and affordable, in the Fayetteville metro area. This area, set deep within the Ozarks, frequently appears on lists of the best places to live in the U.S. – and smart places to retire.</span></p>\n<p><span style=\"color: #000000;\">Fayetteville benefits from being the home of the gargantuan University of Arkansas, and it also doesn\'t hurt that Walmart (WMT), the world\'s largest retailer, is headquartered in nearby Bentonville. Those institutions, among others, help fuel a fast-growing metro area and low unemployment.</span></p>\n<p><span style=\"color: #000000;\">And yet Fayetteville remains relatively cheap for students and civilians, alike. Housing-related costs still run close to 30% below the national average. Health care, groceries and transportation costs are all significantly less expensive, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"872219\" data-gtm-vis-first-on-screen-13583501_192=\"872219\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">7. Conway, Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 17% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 66,421</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $44,569</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$179,100</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 8.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Conway is home to a number of high-tech companies, such as digital marketing firm Acxiom, and post-secondary educational institutions, including the University of Central Arkansas. Close proximity to the Arkansas River and Lake Conway makes the city ideal for fishing and water sports, and there\'s ample space for hunting. Yet you can drive to the state capital of Little Rock in a half-hour or so.</span></p>\n<p><span style=\"color: #000000;\">While Conway\'s median home value is the second-highest among the 25 cheapest U.S. cities to live in, the figure is still below the U.S. median, and housing-related expenses, including utilities, are modest. Relatively low costs for health care also contribute to Conway\'s affordability.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"891729\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">6. Memphis, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 17.3% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 650,632</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $37,199</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$103,700</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 11.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">To say that real estate is cheap in Memphis is an understatement. Average home prices come to about $261,000 – an amount that would elicit screams from people who live in the most expensive U.S. cities. Renters benefit, too. A typical apartment in Memphis rents for about $350 a month less than the national average.</span></p>\n<p><span style=\"color: #000000;\">The pandemic recession has clobbered the local economy, but there\'s good work if you can get it. Proximity to the mighty Mississippi River makes Memphis a hub for the shipping and transportation industries. Three Fortune 500 companies – FedEx (FDX), International Paper (IP) and AutoZone (AZO) – call the city home.</span></p>\n<p><span style=\"color: #000000;\">You\'ll also find numerous colleges and universities, an NBA franchise, mouthwatering ribs and, of course, Graceland.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"894111\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">5. Amarillo, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 18.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 200,800</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $50,234</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$137,600</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 4.2%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Amarilloans are known for their love of high-school football, hot sauce and thick steaks. They also enjoy savings on a wide range of goods and services. Toothpaste, for example, is roughly 25% less expensive in the city known as \"The Yellow Rose of Texas.\" A trip to the veterinarian is about 13% below the national average. Need to get your eyes checked? An appointment with an optometrist costs 34% less than what the average American pays.</span></p>\n<p><span style=\"color: #000000;\">But the biggest way folks in this part of the Texas Panhandle save money is by what they spend on housing. Residents spend almost 40% less on housing-related costs vs. the national average.</span></p>\n<p><span style=\"color: #000000;\">The city\'s economy has held up pretty well in the recession, too. The unemployment rate of 4.2% is well below the national figure of 8.4%</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"937091\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">4. Joplin, Missouri</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 1666w\" style=\"font-size: 14px; color: #666666;\" /></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 19.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 50,073</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $42,782</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$123,700</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">It used to be that Joplin, at least to outsiders, was probably best known as a place where Depression-era bank robbers Bonnie and Clyde hid out for a time. Today, sadly, Joplin is perhaps better known for tornados, such as the deadly storm that destroyed about 30% of the city in 2011.</span></p>\n<p><span style=\"color: #000000;\">The area is on the mend, however, helped by its status as a regional medical center. Its two major hospitals serve a four-state area that includes Kansas, Oklahoma and Arkansas. Housing-related costs are about 45% below the national average, and a large reason why Joplin\'s among the five cheapest U.S. cities to live in. Groceries, health care and transportation costs are comparatively low, as well.</span></p>\n<p><span style=\"color: #000000;\">Utilities, however, run almost 5% more than the U.S. average.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"951161\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">3. Kalamazoo, Michigan</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 1666w\" style=\"font-size: 14px; color: #666666;\" /></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 21.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 76,557</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $42,759</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$111,800</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 7.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">It\'s cheap to live in the Kalamazoo metro area – and that\'s a necessity for many residents. Almost than 30% of the city\'s population lives below the poverty line. (At the metro level, which includes Portage, Michigan, the figure comes to 15%.) The U.S. poverty rate is 10.5%.</span></p>\n<p><span style=\"color: #000000;\">Western Michigan University, with its multiple campuses and research facilities, is a major driver of the local economy. Pfizer (PFE), the drug company, has a sizable operation in Kalamazoo, and medical equipment maker Stryker (SYK) is headquartered in the city.</span></p>\n<p><span style=\"color: #000000;\">As for recreational activities, the Kalamazoo Nature Center hosts free daily activities. Nearby parks offer a combined 140 miles of trails and three swimming beaches. If you want to get away to the big city, Chicago is less than three hours by car if traffic is merciful.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"964360\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">2. Harlingen, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 1666w\" style=\"font-size: 14px; color: #666666;\" /></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 24.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 65,434</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $40,859</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$83,300</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 9.0%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Harlingen sits on the southernmost tip of Texas, with the Rio Grande to the south and the Gulf of Mexico to the east. The Brownsville-Harlingen metro area is a hardscrabble place where 28% of residents live below the poverty line. That\'s about twice the poverty rate for Texas as a whole.</span></p>\n<p><span style=\"color: #000000;\">However, just about everything, from groceries to gasoline, costs less in Harlingen. A good cut of steak costs about half of the national average (this is Texas, after all). The median home value in Harlingen is a striking $150,000 less than the U.S. median.</span></p>\n<p><span style=\"color: #000000;\">In addition to its proximity to Mexico, Harlingen is about an hour\'s drive to the beaches of South Padre Island.</span></p>\n<p><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\">click here</a><span style=\"color: #000000;\">.</span></span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','The 25 Cheapest U.S. Cities to Live In','','inherit','closed','closed','','820-revision-v1','','','2020-10-22 22:21:20','2020-10-22 22:21:20','',820,'http://smartinsurance.tips/820-revision-v1/',0,'revision','',0),(846,1,'2020-10-22 23:47:51','2020-10-22 23:47:51','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 style=\"text-align: center;\"><strong>Why Your Business Needs Certificates of Insurance</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Your small business insurance needs a very specific companion: the certificate of insurance. It’s a valuable business insurance tool, and it’ll keep you safe when working with vendors. Whether you’ve landed a new client, are expanding your business or are simply outsourcing a project, this certificate might save you if liability claims arise.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>What is a Certificate of Insurance?</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">A certificate of insurance is a simple document given to you by your insurance company. It verifies that you do, in fact, have business insurance coverage. It also lists a few details about your coverage:</span></p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\">What this coverage accounts for</span></li>\n<li><span style=\"color: #000000;\">Who has coverage under the policy</span></li>\n<li><span style=\"color: #000000;\">The policy’s effective date</span></li>\n<li><span style=\"color: #000000;\">Limit and deductible dollar amounts</span></li>\n</ul>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">A certificate of insurance is also called proof of insurance. Clients might ask for proof of your insurance before they work with you. Others might ask for it if they experience a large loss. It’s also needed if a liability claim arises. Let\'s say, for example, you offer software programming services for another client. There\'s always a chance that a mistake might compromise this client\'s project. You’ll likely need to prove that specific liabilities will have insurance coverage.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Why is a Certificate of Insurance Important?</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you’re working with external clients, you’ll need to give them proof of your business insurance policy. Plus, you’ll need to let them know you have the right insurance policy. Even if you aren’t asked to show your certificate of insurance, presenting it will benefit you. It simply makes you a reliable provider. It shows you are trustworthy. It also assures each client’s peace of mind.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>How Do I Get a Certificate of Insurance?</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Insurance providers often give policyholders a certificate of insurance when they get covered. If you’ve recently bought insurance, you probably got the certificate. If you didn’t get this certificate, simply contact your provider. This certificate is very important, and you can most likely get it, for free, upon request.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Don’t Wait to Get Your Certificate of Insurance</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">You should pick up your policy’s certificate of insurance as soon as possible. Don’t wait until you’re asked to have it. Instead, have it on-hand. Show it to clients before it’s asked for. Proof of insurance can make the difference between keeping and losing clients. Contact your provider today, and pick up a commercial policy which fits your line of work. Then, when you’re engaging a new client, get ready to show off your certificate of insurance.</span></p>\n<p style=\"text-align: justify;\"></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Why Your Business Needs Certificates of Insurance','','inherit','closed','closed','','809-revision-v1','','','2020-10-22 23:47:51','2020-10-22 23:47:51','',809,'http://smartinsurance.tips/809-revision-v1/',0,'revision','',0),(851,1,'2020-10-23 21:12:27','2020-10-23 21:12:27','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<h1 style=\"text-align: center;\"><strong>Why Your Business Needs Certificates of Insurance</strong></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/10/My-Post-17-1024x536.png\" width=\"764\" height=\"400\" alt=\"\" class=\"wp-image-850 aligncenter size-large\" style=\"float: right;\" />Your small business insurance needs a very specific companion: the certificate of insurance. It’s a valuable business insurance tool, and it’ll keep you safe when working with vendors. Whether you’ve landed a new client, are expanding your business or are simply outsourcing a project, this certificate might save you if liability claims arise.</span></p>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><strong>What is a Certificate of Insurance?</strong></span></p>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\">A certificate of insurance is a simple document given to you by your insurance company. It verifies that you do, in fact, have business insurance coverage. It also lists a few details about your coverage:</span></p>\n<ul style=\"text-align: justify;\">\n<li style=\"text-align: left;\"><span style=\"color: #000000;\">What this coverage accounts for</span></li>\n<li style=\"text-align: left;\"><span style=\"color: #000000;\">Who has coverage under the policy</span></li>\n<li style=\"text-align: left;\"><span style=\"color: #000000;\">The policy’s effective date</span></li>\n<li style=\"text-align: left;\"><span style=\"color: #000000;\">Limit and deductible dollar amounts</span></li>\n</ul>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">A certificate of insurance is also called proof of insurance. Clients might ask for proof of your insurance before they work with you. Others might ask for it if they experience a large loss. It’s also needed if a liability claim arises. Let\'s say, for example, you offer software programming services for another client. There\'s always a chance that a mistake might compromise this client\'s project. You’ll likely need to prove that specific liabilities will have insurance coverage.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Why is a Certificate of Insurance Important?</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you’re working with external clients, you’ll need to give them proof of your business insurance policy. Plus, you’ll need to let them know you have the right insurance policy. Even if you aren’t asked to show your certificate of insurance, presenting it will benefit you. It simply makes you a reliable provider. It shows you are trustworthy. It also assures each client’s peace of mind.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>How Do I Get a Certificate of Insurance?</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Insurance providers often give policyholders a certificate of insurance when they get covered. If you’ve recently bought insurance, you probably got the certificate. If you didn’t get this certificate, simply contact your provider. This certificate is very important, and you can most likely get it, for free, upon request.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Don’t Wait to Get Your Certificate of Insurance</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">You should pick up your policy’s certificate of insurance as soon as possible. Don’t wait until you’re asked to have it. Instead, have it on-hand. Show it to clients before it’s asked for. Proof of insurance can make the difference between keeping and losing clients. Contact your provider today, and pick up a commercial policy which fits your line of work. Then, when you’re engaging a new client, get ready to show off your certificate of insurance.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.getitc.com/syndicate/2018/03/15/why-your-business-needs-certificates-of-insurance\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Why Your Business Needs Certificates of Insurance','','inherit','closed','closed','','809-revision-v1','','','2020-10-23 21:12:27','2020-10-23 21:12:27','',809,'http://smartinsurance.tips/809-revision-v1/',0,'revision','',0),(863,1,'2020-11-19 19:16:33','2020-11-19 19:16:33','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>Investment Adviser vs. Broker: What\'s the Difference?</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p style=\"text-align: right;\"><img src=\"https://www.investopedia.com/thmb/RuXszCDTYh3IwHccIC0PQi5gFyY=/680x440/filters:fill(auto,1)/thinkstockphotos-122578149-5bfc354fc9e77c00518199fc.jpg\" style=\"float: left;\" /><span style=\"color: #000000; font-size: 26px; text-align: right;\">Investment Adviser vs. Broker: An Overview</span></p>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Although their jobs might seem similar to an outsider, investment advisers and brokers perform very different roles in financial services. Below, we highlight the similarities and differences between the investment adviser (also called the financial adviser) and the broker.</span></p>\n<h2 id=\"mntl-sc-block_1-0-5\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: right;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Brokers</span></h2>\n<p id=\"mntl-sc-block_1-0-6\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Before online trading, accessing a broker was traditionally a luxury reserved for the rich. Individual investors had very little or no direct access to the market and had to place their orders through a licensed broker (usually by phone). In return, brokers charged very high commissions. However, the advent of web-based discount brokerages has changed the job of the broker.</span></p>\n<div id=\"mntl-sc-block_1-0-7\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"68d2b4fceffd4bfd9f23cb745ac26d87\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_wealth/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Now, individuals who wish to trade on the stock market no longer require a broker on standby to execute their buy and sell orders and can have direct access for as little as pennies in commissions. Although brokers still execute orders, many have expanded their services to personalized investment management to justify charging higher commissions.</span></p>\n<div id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_5-0\" class=\"comp mntl-block\">\n<div id=\"billboard3-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard3-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard3-dynamic_1-0\" class=\"comp billboard3-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard3\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf2\" data-priority=\"5\" data-sizes=\"[[300, 250], [300, 252], [3, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"d7b3dc0ce75b4aa8b5dc3e4212738d16\" data-auction-floor-value=\"5\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_wealth/billboard3_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-10\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">These days, it’s not uncommon to see brokers dual-registered as investment advisers. Brokers may also be involved heavily as part of a sales team in private placements, initial public offerings (IPOs), or secondary issuances. Working alongside their firm\'s corporate finance departments, brokers may work to sell their clients on a hot new issuance or private deal to help a company raise capital. In return, the broker may receive a commission, shares, or warrants in the issuing company.</span></p>\n<div id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_6-0\" class=\"comp mntl-block\">\n<div id=\"native_1-0\" class=\"comp scads-to-load native mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt dynamic scads-ad-placed\">\n<div id=\"native\" class=\"wrapper\" data-type=\"native\" data-pos=\"native\" data-priority=\"4\" data-sizes=\"[[1, 3], &quot;fluid&quot;]\" data-rtb=\"false\" data-targeting=\"{}\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_wealth/native_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n<h2 id=\"mntl-sc-block_1-0-12\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Investment Advisers</span></h2>\n<p id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Investment advisers, on the other hand, work on a fee-based system of dispensing investment advice catered towards individual client needs and oftentimes, manage investment accounts. For example, an investment adviser may work with a client to create an entire wealth management framework, including assisting the clients through tax, estate, and mortgage planning. Not to be confused with a financial adviser, investment advisers are registered with and regulated by the Securities and Exchange Commission (SEC) and or a state regulatory body. Investment advisers are also known as asset managers, investment managers, and wealth managers.</span></p>\n<div id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_7-0\" class=\"comp mntl-block\"></div>\n</div>\n<h2 id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Key Differences in Regulations</span></h2>\n<p id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Investment advisers are also held to a higher legal standard than brokers. In the United States, investment advisers must adhere to the Investment Advisers Act of 1940, which calls on advisers to perform fiduciary duties in regards to their clients’ accounts. Fiduciary duty, which is legally enforceable under the Advisers Act Sections 206 (1)/(2), prohibits advisers from “employ[ing] any device, scheme or artifice to defraud any client or prospective client.”</span></p>\n<p id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The standard also imposes upon the adviser the “affirmative duty of ‘utmost good faith’ and full and fair disclosure of material facts” as part of the adviser’s duty to exercise loyalty and care. This includes “an obligation not to subordinate the clients’ interests to its own.” Due to the importance of this fiduciary conduct, most investment advisers can make investment decisions for their clients without first getting the client\'s permission. </span></p>\n<div id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Prior to 2011, all investment advisers with $30 million or more assets under management (AUM) had to register with the U.S. Securities and Exchange Commission (SEC), while advisers with less than $25 million needed only to register with their state regulatory body. In 2011, the Dodd-Frank Act increased the minimum assets under management for SEC registration to $110 million.</span></p>\n<div id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Brokers, as defined broadly by the SEC as “any person engaged in the business of effecting transactions in securities for the account of others” (which may also include investment advisers), must register with the SEC and a self-regulatory organization. The most well-known broker self-regulatory organization is the Financial Industry Regulatory Authority (FINRA).</span></p>\n<div id=\"mntl-sc-block_1-0-23\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<h2 id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Key Differences in Testing and Licensing</span></h2>\n<p id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Investment advisers and brokers also have different training and licensing requirements. Brokers have to pass the Series 7, otherwise known as the General Securities Representative Exam; the Series 7 also acts as a precursor to further exams in the securities industry. On the other hand, future investment advisers must pass the Series 65 exam, which is a requirement before they can dispense financial advice for a fee. </span></p>\n<div id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">An additional distinction between the Series 7 and the Series 65 is that only the Series 7 requires an individual to be sponsored by a firm prior to enrolling for the test. The Series 65 is also often used by certified public accountants (CPAs) to enter the investment advisory business. Unlike chartered financial analysts (CFAs) and certified financial planners (CFPs), the CPA designation does not meet the prerequisites to have the Series 65 exam waived.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/articles/investing/071515/investment-advisor-versus-broker-how-they-compare.asp\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Investment Adviser vs. Broker: What\'s the Difference?','','publish','closed','closed','','investment-adviser-vs-broker-whats-the-difference','','','2020-11-19 19:21:14','2020-11-19 19:21:14','',0,'http://smartinsurance.tips/?page_id=863',0,'page','',0),(864,1,'2020-11-19 19:16:33','2020-11-19 19:16:33','<!-- wp:divi/placeholder /-->','Investment Adviser vs. Broker: What\'s the Difference?','','inherit','closed','closed','','863-revision-v1','','','2020-11-19 19:16:33','2020-11-19 19:16:33','',863,'http://smartinsurance.tips/863-revision-v1/',0,'revision','',0),(879,1,'2020-11-19 19:35:33','2020-11-19 19:35:33','<!-- wp:divi/placeholder /-->','How to balance Virtual (Video & Phone based)  and In-Person Health Care','','inherit','closed','closed','','878-revision-v1','','','2020-11-19 19:35:33','2020-11-19 19:35:33','',878,'http://smartinsurance.tips/878-revision-v1/',0,'revision','',0),(885,1,'2020-11-19 21:37:21','2020-11-19 21:37:21','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"ArticleHeader-headline\" style=\"text-align: center;\"><strong>Here’s a decade-by-decade guide to retirement planning</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><img src=\"https://cdn-0.smallbiztrends.com/wp-content/uploads/2020/08/10-Tiny-Pivots-2-850x476.png?ezimgfmt=rs:840x470/rscb7/ng:webp/ngcb7\" alt=\"10 Tiny Pivots\" /></div>\n<div class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"></div>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p>&nbsp;</p>\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.cnbc.com/guide/retirement-planning-decade-by-decade/\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Here’s a decade-by-decade guide to retirement planning','','inherit','closed','closed','','882-revision-v1','','','2020-11-19 21:37:21','2020-11-19 21:37:21','',882,'http://smartinsurance.tips/882-revision-v1/',0,'revision','',0),(867,1,'2020-11-19 19:21:47','2020-11-19 19:21:47','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"title\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/\" style=\"text-align: center;\"><strong>The coolest tips and tricks for macOS Big Sur</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">In Big Sur, Apple was kind enough to bring one of the coolest iOS features to macOS: The Control Center. It\'s an easy way to get to some essential controls, such as display and keyboard brightness, sound volume, Wi-Fi connections, and more. Click on any of these and you\'ll get additional, granular options. You can also customize the Control Center by going to System Preferences - Dock &amp; Menu Bar. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The coolest thing about Big Sur\'s Control Center is that you can drag any item from the Control Center to the menu bar on top of the screen to get one-click access to that particular option. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Messages improvements</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Apple\'s messaging service for macOS, Message, has come a long way since its launch in 2012, but it\'s always played second fiddle to iMessage (Apple\'s messaging service on iOS) in terms of features. That may still be so, but the new Messages on macOS Big Sur make this gap narrower than ever. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Among other features, the new Messages lets users create and customize Memoji and add visual tricks like balloons and confetti. Inline replies are a particularly neat feature, giving users the ability to create messaging threads. Our favorite new feature is the ability to pin favorite chats to the top of the Messages list. Another thing you can do is @ someone\'s name to directly answer their message. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Startup sound</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Firing up a Mac always meant hearing the legendary, slightly dissonant startup sound — up until Apple, for some reason, decided to remove the feature. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">But in macOS Big Sur, the startup chime is back to warm our hearts on every bootup. If you don\'t like it, you can turn it off by going to System Preferences - Sound - Play sound on startup. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Better privacy</span></h2>\n<figure class=\"image\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"><picture><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__280x157.webp?signature=uESmJnk9o0Qiz4mZw4KlbexWQ9k=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__356x205.webp?signature=2eAbHCTknAKk3aAwmbTLDY0uVYQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__638x368.webp?signature=xYjoKsEL0TcZSGQfe-8_szvZ2JQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__950x534.webp?signature=kdKdtxHR0AiIchh9JJRiSNQFXaY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/webp\" /><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__280x157.jpg?signature=uYHQnMyBl78qN7h9SXpZRAf8z1o=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__356x205.jpg?signature=iZrUxLgkAZzYgpGtAwY3revJgWQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__638x368.jpg?signature=-QiI0FVikmnG_J8E1bpVcZkTNA0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__950x534.jpg?signature=dlHxbxCVj2NekKId4yCj2nmZg9U=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/jpg\" /></picture><span class=\"lightbox-expand\"><a name=\"m!50a1\" style=\"color: #000000;\"></a></span></span></p>\n<div class=\"microcontent-wrapper\">\n<div class=\"microcontent-shares\" data-description=\"\" data-fragment=\"m!50a1\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Foriginal.jpg?signature=-EjIBtECGBj7jRCMJcdgpNnvsnE=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-url=\"\"><span style=\"color: #000000;\"><a class=\"social-share microcontent-share-badge network-badge network-badge-facebook facebook\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"facebook\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-twitter twitter\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"twitter\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-pinterest pinterest\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"pinterest\" style=\"color: #000000;\"></a></span></div>\n<p><span style=\"color: #000000;\"><img alt=\"The coolest tips and tricks for macOS Big Sur\" class=\"for-lightbox\" data-fragment=\"m!50a1\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Foriginal.jpg?signature=-EjIBtECGBj7jRCMJcdgpNnvsnE=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-micro=\"1\" loading=\"lazy\" naturalwidth=\"950\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" src=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__950x534.jpg?signature=dlHxbxCVj2NekKId4yCj2nmZg9U=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" src_type=\"jpg\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__280x157.jpg?signature=uYHQnMyBl78qN7h9SXpZRAf8z1o=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__356x205.jpg?signature=iZrUxLgkAZzYgpGtAwY3revJgWQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__638x368.jpg?signature=-QiI0FVikmnG_J8E1bpVcZkTNA0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__950x534.jpg?signature=dlHxbxCVj2NekKId4yCj2nmZg9U=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" pinger-seen=\"true\" /></span></p>\n</div>\n<div class=\"image-credit\">\n<p>&nbsp;</p>\n</div>\n</figure>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">You won\'t be able to find this feature just yet; it\'s coming later this year, according to Apple. But it is pretty important: When it launches, the Mac App Store will have a new section for each app, explaining in detail how the app handles your privacy. This includes the type of data that\'s used to track you, data that\'s linked to you, and how this information is shared with third parties. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Safari tricks</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">With every new macOS launch, Apple keeps improving Safari, but it somehow stays forgotten next to Google\'s Chrome. Still, Safari is getting better, and in some ways, it\'s the best browser out there. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Besides being faster than ever before (Apple claims), especially if you have a new Mac with Apple\'s M1 processor, Safari\'s got a ton of improvements, including a customizable start page and redesigned tabs. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">New Safari also has built-in translation and enhanced search, letting you search for a particular tab. That\'s very handy if you, like me, have a zillion tabs open at all times. </span></p>\n<figure class=\"image\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"><picture><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__280x157.webp?signature=gewC0izYeATe1kYnaXIYxRPpvTY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__356x205.webp?signature=WtKXj5y6lfn9228DJ94SjVi-I2I=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__638x368.webp?signature=A8-atgoPeDxAYB4FFxEWhvAecME=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__950x534.webp?signature=welzBulR4A6zNTiUJhsFyOmWdO0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/webp\" /><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__280x157.jpg?signature=TqC5Uvmnz68lZvZpXitY-GTsHYI=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__356x205.jpg?signature=jyEhOn3hoRu9eLUE54G1kJhRvV0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__638x368.jpg?signature=tHLGU_U8QvBpptEueinscrkxMFw=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__950x534.jpg?signature=eEIy9PfSJWCXLSzBfc03ekWJcbs=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/jpg\" /></picture><a name=\"m!6a72\" style=\"color: #000000;\"></a><picture></picture></span></p>\n<div class=\"microcontent-wrapper\">\n<div class=\"microcontent-shares\" data-description=\"\" data-fragment=\"m!6a72\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Foriginal.jpg?signature=-3yPsrk4QiOv_e_J-zpCtk5hNiY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-url=\"\"><span style=\"color: #000000;\"><a class=\"social-share microcontent-share-badge network-badge network-badge-facebook facebook\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"facebook\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-twitter twitter\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"twitter\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-pinterest pinterest\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"pinterest\" style=\"color: #000000;\"></a></span></div>\n<p><span style=\"color: #000000;\"><img alt=\"New Safari has a big emphasis on privacy.\" class=\"\" data-fragment=\"m!6a72\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Foriginal.jpg?signature=-3yPsrk4QiOv_e_J-zpCtk5hNiY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-micro=\"1\" loading=\"lazy\" naturalwidth=\"950\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" src=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__950x534.jpg?signature=eEIy9PfSJWCXLSzBfc03ekWJcbs=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" src_type=\"jpg\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__280x157.jpg?signature=TqC5Uvmnz68lZvZpXitY-GTsHYI=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__356x205.jpg?signature=jyEhOn3hoRu9eLUE54G1kJhRvV0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__638x368.jpg?signature=tHLGU_U8QvBpptEueinscrkxMFw=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__950x534.jpg?signature=eEIy9PfSJWCXLSzBfc03ekWJcbs=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" pinger-seen=\"true\" width=\"599\" height=\"599\" style=\"float: left;\" /></span></p>\n</div>\n<figcaption class=\"image-caption\"></figcaption>\n<div class=\"image-credit\">\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</figure>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">Finally, adding to the privacy features mentioned above, Safari now also comes with a Privacy Report, giving you an overview of trackers which were prevented from profiling you. The company also added a tool that monitors breached passwords and pings you when one of your saved passwords may have been compromised. </span></p>\n<h2 style=\"text-align: right;\"><span style=\"color: #000000;\">Make it your own </span></h2>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">Visually, new versions of macOS are never radical departures from the last version. But Apple always adds a couple of new tricks you can do to personalize your desktop. </span></p>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">As is customary, Big Sur comes with new wallpapers, featuring the beautiful part of the California coast the new OS is named after. Widgets, which mimic the widgets that debuted on iOS 14, are another nice way of customizing your desktop. Sadly, you cannot place them anywhere your want; they\'re confined to the Notification Center that slides from the right. You can, however, change the way individual widgets are positioned; just click on the Edit Widgets option, positioned at the bottom of the Notification Center. </span></p>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">Somewhat hidden in the System Preferences - General tab, you can now change the Accent color to multicolor (click the leftmost button), which lets each app display a different accent color. Another new option in the General tab is the ability to allow or disable wallpaper tinting in windows. This will, essentially, make Dark Mode slightly darker, and many Dark Mode fans will appreciate that. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></p>\n</div>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://mashable.com/article/macos-big-sur-tips-tricks/\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','The coolest tips and tricks for macOS Big Sur','','publish','closed','closed','','the-coolest-tips-and-tricks-for-macos-big-sur','','','2020-11-19 19:25:48','2020-11-19 19:25:48','',0,'http://smartinsurance.tips/?page_id=867',0,'page','',0),(868,1,'2020-11-19 19:21:47','2020-11-19 19:21:47','<!-- wp:divi/placeholder /-->','The coolest tips and tricks for macOS Big Sur','','inherit','closed','closed','','867-revision-v1','','','2020-11-19 19:21:47','2020-11-19 19:21:47','',867,'http://smartinsurance.tips/867-revision-v1/',0,'revision','',0),(872,1,'2020-11-19 19:26:13','2020-11-19 19:26:13','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>These 12 Habits Will Help You Reach Financial Freedom</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\"><img src=\"https://www.investopedia.com/thmb/MYoU5b8LNnVrTVs8tU64ouH7Dvo=/2121x1414/filters:fill(auto,1)/GettyImages-187653343-5917563a3df78c7a8c557312-5bbae9d29b574b9db8e3a40fc19c7957.jpg\" width=\"599\" height=\"399\" style=\"float: left;\" />Achieving financial freedom is a goal for many people. It generally means having enough savings, investments, and cash on hand to afford the lifestyle we want for ourselves and our families—and a growing nest egg that will allow us to retire or pursue the career we want without being driven by earning a certain amount each year.</span></p>\n<div id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: right;\">\n<div id=\"mntl-block_3-0\" class=\"comp mntl-block\">\n<div id=\"billboard1-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard1-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"1050\">\n<div class=\"spacer\">\n<div id=\"billboard1-dynamic_1-0\" class=\"comp billboard1-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"atf\" data-priority=\"2\" data-sizes=\"[[300, 1050], [300, 600], [160, 600], [300, 250], [1, 2], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"688231f2dc084a39be666eaab318cded\" data-auction-floor-value=\"15\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-2\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Unfortunately, too many of us fail to achieve it. We are burdened with increasing debt, financial emergencies, profligate spending, and other issues that thwart us from reaching our goals. And we encounter unexpected events, such as the pandemic, that overturn our plans and reveal holes in the safety nets we tried to weave for ourselves and our families.</span></p>\n<div id=\"mntl-sc-block_1-0-3\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"f773805d8bd1403bb1895fcaf1397165\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-4\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Trouble happens to nearly everyone, but these 12 habits can put you on the right path.</span></p>\n<div id=\"mntl-sc-page_1-0\" class=\"comp article-body-content mntl-sc-page mntl-block\" data-sc-sticky-offset=\"80\" data-sc-ad-label-height=\"0\" data-sc-ad-track-spacing=\"90\" data-sc-min-track-height=\"250\" data-sc-max-track-height=\"600\" data-sc-breakpoint=\"40em\" data-sc-load-immediate=\"2\" data-sc-content-positions=\"[300, 1, 1, 1250, 1, 1]\" data-bind-scroll-on-start=\"true\">\n<h2 id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: right;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">1. Set Life Goals</span></h2>\n<p id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">What is financial freedom to you? A general desire for it is too vague a goal, so get specific. Write down how much you should have in your bank account, what the lifestyle entails, and at what age this should be achieved. The more specific your goals, the higher the likelihood of achieving them.</span></p>\n<div id=\"mntl-sc-block_1-0-10\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: right;\">\n<div id=\"mntl-block_6-0\" class=\"comp mntl-block\">\n<div id=\"native_1-0\" class=\"comp scads-to-load native mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt dynamic scads-ad-placed\">\n<div id=\"native\" class=\"wrapper\" data-type=\"native\" data-pos=\"native\" data-priority=\"4\" data-sizes=\"[[1, 3], &quot;fluid&quot;]\" data-rtb=\"false\" data-targeting=\"{}\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/native_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Next, count backward to your current age and establish financial mileposts at regular intervals. Write it all down neatly and put the goal sheet at the very beginning of your financial binder.</span></p>\n<h2 id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">2. Make a Budget</span></h2>\n<p id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Making a monthly household budget—and sticking to it—is the best way to guarantee that all bills are paid and savings are on track. It’s also a regular routine that reinforces your goals and bolsters resolve against the temptation to splurge.</span></p>\n<div id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_8-0\" class=\"comp mntl-block\">\n<div id=\"billboard5-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard5-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard5-dynamic_2-0\" class=\"comp js-billboard-lazy billboard5-dynamic billboard-lazy mntl-lazy-ad mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard5\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf4\" data-priority=\"7\" data-sizes=\"[[300, 250], [300, 254], [200, 200], [180, 150], [200, 200], [6, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"58a31ff5043a4856a87c7e31544147b0\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard5_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">3. Pay Off Credit Cards in Full</span></h2>\n<p id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Credit cards and similar high-interest consumer loans are toxic to wealth-building. Make it a point to pay off the full balance each month. Student loans, mortgages, and similar loans typically have much lower interest rates; paying them off is not an emergency. Paying on time is and will build a good credit rating.</span></p>\n<div id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">4. Create Automatic Savings</span></h2>\n<p id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Pay yourself first. Enroll in your employer’s retirement plan and make full use of any matching contribution benefit. It’s also wise to have an automatic withdrawal for an emergency fund, which can be tapped for unexpected expenses, and an automatic contribution to a brokerage account or something similar.</span></p>\n<div id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Ideally, the money should be pulled the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely. However, keep in mind that the recommended amount to save is highly debated. In some cases the feasibility of such a fund can be a question.</span></p>\n<div id=\"mntl-sc-block_1-0-23\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">5. Start Investing Now</span></h2>\n<p id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Bad stock markets can make people question this, but historically there has been no better way to grow your money than through investing. The magic of compound interest will help it increase exponentially over time, but you need a lot of time to achieve meaningful growth. Don’t try to be a stock picker or trick yourself into thinking you can be the next Warren Buffett. There can only be one.</span></p>\n<div id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Instead, open an online brokerage account that makes it easy for you to learn how to invest, create a manageable portfolio, and make weekly or monthly contributions to it automatically. We’ve ranked the best online brokers for beginners to help you get started.</span></p>\n<div id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-31\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">6. Watch Your Credit</span></h2>\n<p id=\"mntl-sc-block_1-0-32\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Your credit score determines what interest rate you are offered when buying a new car or refinancing a home. It also impacts seemingly unrelated things, such as car insurance and life insurance premiums.</span></p>\n<div id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-34\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The reasoning is that someone with reckless financial habits is also likely to be reckless in other aspects of life, such as driving and drinking. This is why it’s important to get a credit report at regular intervals to make sure that there are no erroneous black marks ruining your good name.</span></p>\n<div id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-36\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">7. Negotiate</span></h2>\n<p id=\"mntl-sc-block_1-0-37\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Many Americans are hesitant to negotiate for goods and services, worrying that it makes them seem cheap. Overcome this cultural handicap and you could save thousands each year. Small businesses, in particular, tend to be open to negotiation, where buying in bulk or repeat business can open the door to good discounts.</span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">8. Continuous Education</span></h2>\n<p id=\"mntl-sc-block_1-0-40\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Review all applicable changes in the tax laws each year to ensure that all adjustments and deductions are maximized. Keep up with financial news and developments in the stock market and do not hesitate to adjust your investment portfolio accordingly. Knowledge is also the best defense against those who prey on unsophisticated investors to turn a quick buck.</span></p>\n<div id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">9. Proper Maintenance</span></h2>\n<p id=\"mntl-sc-block_1-0-43\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Taking good care of property makes everything from cars and lawnmowers to shoes and clothes last longer. As the cost of maintenance is a fraction of the cost of replacement, it’s an investment not to be missed.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-47\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">10. Live Below Your Means</span></h2>\n<p id=\"mntl-sc-block_1-0-48\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Mastering a frugal lifestyle by having a mindset of living life to the fullest with less is not so hard. Indeed, many wealthy individuals developed a habit of living below their means before rising to affluence.</span></p>\n<div id=\"mntl-sc-block_1-0-49\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-50\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">This isn’t a challenge to adopt a minimalist lifestyle or a call to action to head to the dumpster with things you’ve hoarded over the years. Making small adjustments by distinguishing between the things you need and the things you want is a financially helpful habit to put into practice.</span></p>\n<div id=\"mntl-sc-block_1-0-51\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-52\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">11. Get a Financial Advisor </span></h2>\n<p id=\"mntl-sc-block_1-0-53\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Once you’ve gotten to a point where you’ve amassed a decent amount of wealth—be it liquid investments or tangible assets that aren’t as readily available to convert to cash—get a financial advisor to educate you and help make decisions.</span></p>\n<div id=\"mntl-sc-block_1-0-54\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-55\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">12. Take Care of Your Health</span></h2>\n<p id=\"mntl-sc-block_1-0-56\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The principle of proper maintenance also applies to the body. Invest in good health with regular visits to doctors and dentists, and follow health advice about any problems you encounter. Many problems can be helped—or even prevented—with lifestyle changes such as more exercise and a healthier diet. Some companies have limited sick days, making it a notable loss of income once those days are used up. Obesity and ailments make insurance premiums skyrocket, and poor health may force earlier retirement with lower monthly income.</span></p>\n<div id=\"mntl-sc-block_1-0-57\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-58\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">The Bottom Line</span></h2>\n<p id=\"mntl-sc-block_1-0-59\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">These 12 steps won’t solve all of your money problems, but they will help you develop healthy habits that can get you on the path to financial freedom—whatever that means for you.</span></p>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"></p>\n<div id=\"mntl-block_2-0\" class=\"comp js-scads-inline-content mntl-block\"></div>\n</div>\n<div id=\"textnote-placeholder_1-0\" class=\"comp textnote-placeholder mntl-block\"></div>\n<div id=\"textnote_1-0\" class=\"comp textnote mntl-gpt-adunit gpt native \">\n<div id=\"textnote\" class=\"wrapper\"></div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/articles/personal-finance/112015/these-10-habits-will-help-you-reach-financial-freedom.asp\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','These 12 Habits Will Help You Reach Financial Freedom','','publish','closed','closed','','these-12-habits-will-help-you-reach-financial-freedom','','','2020-11-19 19:31:47','2020-11-19 19:31:47','',0,'http://smartinsurance.tips/?page_id=872',0,'page','',0),(873,1,'2020-11-19 19:26:13','2020-11-19 19:26:13','<!-- wp:divi/placeholder /-->','These 12 Habits Will Help You Reach Financial Freedom','','inherit','closed','closed','','872-revision-v1','','','2020-11-19 19:26:13','2020-11-19 19:26:13','',872,'http://smartinsurance.tips/872-revision-v1/',0,'revision','',0),(878,1,'2020-11-19 19:35:33','2020-11-19 19:35:33','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"article-hed\" style=\"text-align: center;\"><strong>Balancing Virtual and In-Person Health Care</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\"><img src=\"https://hbr.org/resources/images/article_assets/2020/11/Nov20_17_161657472_1235401769.jpg\" /></div>\n<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\">The 2020 Covid-19 pandemic has seeded the U.S. healthcare system with innovations across the care spectrum, largely focused on outpatient care delivery through virtual care tools. The Centers for Medicare and Medicaid Services reported over an 11,000% increase in virtual visits (i.e., video- or phone-based visits).  In our academic health system, Brigham Health in Boston, Massachusetts, we saw an overall increase in virtual visits from pre-Covid-19 to its peak in May of over 20,000% (roughly 80,000 virtual visits that month), offered by nearly all of our ambulatory providers, and representing roughly 70% of all outpatient care from a baseline of less than 1%.</span></p>\n<p><span style=\"color: #000000;\">After the May peak, health care facilities began to reopen for more routine care; in-person volume in our system slowly grew while virtual volume fell. While the current surge may reverse that pattern again, as of this writing virtual visits represent about 25% of overall outpatient care – and our clinicians, practices and colleagues across the country are asking common questions about what comes next: How much virtual care makes sense when we do return to a new normal state? What is the best approach to offering virtual care alongside in-person care?  How will we know whether virtual care is succeeding, and in particular that it is reaching all patients as safely and equitably as possible?</span></p>\n<p><span style=\"color: #000000;\">Before Covid-19 struck, few large health systems in the U.S. offered outpatient telehealth at high volume, and thus it wasn’t clear how much virtual care was appropriate or even possible for many medical specialties. Kaiser Permanente, among the largest users of telehealth in routine care, reported in 2014 that at least 40% of its outpatient care was performed via virtual modalities (including portals, phone and/or video visits, and apps) and then in 2016 that virtual had exceeded in-person outpatient care. These reports became an industry benchmark, though were seen by many as not generalizable given Kaiser’s unique economics as an integrated payer-provider (and thus partly incentivized to offer more unreimbursed, virtual care). Our experience with Covid-19 sheds significant light on this question in a more traditional fee-for-service system.</span></p>\n<p><span style=\"color: #000000;\">During the massive shift to virtual care earlier this year, most specialties in our organization found that at least half, and in many cases nearly all, of their care could be delivered virtually. A few specialties with large proportions of visits requiring in-person care continued to offer predominantly in-person visits.  Interestingly, our pre-Covid assessment of billing data to determine what proportion of visits would be appropriate for virtual care closely predicted our actual experience during the pandemic. While these data likely overestimates the ideal proportion of care that should be done virtually — both because the billing model does not account for instances when the physical exam was necessary for evaluation or treatment, and because the Covid pandemic induced an aggressive focus on limiting physical interactions and preserving hospital capacity — the data still suggest that, for many specialties, 50% virtual is likely a minimum and some may be able to safely offer a significantly higher portion in the future even as in-person volume grows.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n<h2><span style=\"color: #000000;\"><b>Principles and best practices</b></span></h2>\n<p><span style=\"color: #000000;\">Regardless of what proportion of outpatient care at the Brigham is delivered virtually after the pandemic subsides, it will surely represent a significant increase from our baseline, which is likely to be a generalizable trend for other national providers. As we transition to this new normal for healthcare delivery, how do we best continue virtual care alongside in-person care in the era of Covid-19? Based on our experience, we propose the following principles and best practices.</span></p>\n<p><span style=\"color: #000000;\">First, practices will need to develop criteria for triaging and scheduling patients for in-person or virtual visits. These criteria may be diagnosis- or symptom-based, or could rely on visit types (post-op, routine physical, etc.) and will likely vary across specialties depending on the clinical needs of patient populations. As “reopening” efforts are staggered and in some cases on hold as we confront a resurgence of Covid, and physical distancing requires that we minimize patients in waiting rooms and hospital common areas, in-person clinic schedules will likely remain under-filled for months to come.</span></p>\n<p><span style=\"color: #000000;\">In this environment, clinicians will need to offer a mix of in-person and virtual care from the same clinical session and space, and find new ways to work with practice staff to move patients into and out of visits smoothly. As in-person volume returns, this mixed model will be stressed by the tensions between in-person and virtual care operating under the same roof. We believe a cleaner approach is dedicated sessions of all in-person or all virtual care where the practice setting can be optimized. When offering virtual care, providers will need dedicated equipment, space, and focus to efficiently deliver virtually in a block of time. They can use smart devices (phones and tablets) for virtual visits but when necessary or as a backup, but we’ve found that clinicians have a better experience using webcams on desktop or laptop computers for larger video screen size and simultaneous, side-by-side use of the electronic health record (EHR-integrated video). These sessions can occur from any private, quiet space including home, so clinicians and practices will need to consider varying provider location in scheduling models.</span></p>\n<p><span style=\"color: #000000;\">Second, once technical functionality is established, virtual care needs to be optimized to meet other core provider and patient needs. One important function is interpreter service integration, for both phone and video visits. Another is a diversified technology toolbox including phone, EHR-integrated video, and video offered more seamlessly outside the EHR via simple tools like text messages linking to live videos, so that as many patients as possible can participate in virtual care and not just those who are English-speaking with ready access to broadband, connected devices and patient portals. This can help assure that disparities in care are not amplified by constraints on patients’ access to technology. For virtual care to be sustainable and to best meet patient needs, the full care team must be involved. Medical assistants can virtually room patients and perform many of their routine pre-visit tasks. Schedulers can help patients book virtual visits and can be integrated into the post-visit workflow so that follow-up items are completed. Trainees including students, residents and fellows can be precepted virtually depending on their relevant educational and compliance needs. For each of these groups, we have developed and disseminated best practice documents to encourage standard workflows, just as we have for in-person care.</span></p>\n<p><span style=\"color: #000000;\">Third, key performance indicators should be designed to assess the effectiveness of virtual care models. Practices will need to understand what proportion of virtual care they are offering and how to quickly adjust it to absorb surges such as the one we’re experiencing now. As virtual visits can improve access and efficiency, monitoring relevant metrics such as the lag times between scheduling and visit date and visit length are important, as well as payment parity compared to office visits as state and federal governments work to ensure comparable payment for virtual care, in the face of some national insurers looking to decrease it.  As clinical experience with virtual care has been limited, it will be critical to monitor quality and safety data to identify potential gaps or problem areas.</span></p>\n<p><span style=\"color: #000000;\">Finally, we are paying careful attention patient experience of virtual care, in the same ways we do across all our patient populations. Our success will depend on reducing the digital divide as much as we can, and making sure that these visits are provided equitably, particularly to patients with social determinants that can limit access to care.</span></p>\n<p><span style=\"color: #000000;\">As we enter a new era of virtual healthcare spurred on by Covid-19, these models will be judged not by their dizzying initial growth, but by their ultimate clinical quality, patient experience, technical reliability, financial sustainability, and health equity. While we hope that this recent digital transformation is a permanent one, hard work is needed to not lose ground, and that work begins now.</span></p>\n<p><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://hbr.org/2020/11/balancing-virtual-and-in-person-health-care\" style=\"font-size: 14px;\">click here</a><span style=\"color: #000000;\">.</span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','How to balance Virtual (Video & Phone based) and In-Person Health Care','','publish','closed','closed','','how-to-balance-virtual-video-phone-based-and-in-person-health-care','','','2020-11-20 00:57:03','2020-11-20 00:57:03','',0,'http://smartinsurance.tips/?page_id=878',0,'page','',0),(866,1,'2020-11-19 19:21:14','2020-11-19 19:21:14','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>Investment Adviser vs. Broker: What\'s the Difference?</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p style=\"text-align: right;\"><img src=\"https://www.investopedia.com/thmb/RuXszCDTYh3IwHccIC0PQi5gFyY=/680x440/filters:fill(auto,1)/thinkstockphotos-122578149-5bfc354fc9e77c00518199fc.jpg\" style=\"float: left;\" /><span style=\"color: #000000; font-size: 26px; text-align: right;\">Investment Adviser vs. Broker: An Overview</span></p>\n<p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Although their jobs might seem similar to an outsider, investment advisers and brokers perform very different roles in financial services. Below, we highlight the similarities and differences between the investment adviser (also called the financial adviser) and the broker.</span></p>\n<h2 id=\"mntl-sc-block_1-0-5\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: right;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Brokers</span></h2>\n<p id=\"mntl-sc-block_1-0-6\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Before online trading, accessing a broker was traditionally a luxury reserved for the rich. Individual investors had very little or no direct access to the market and had to place their orders through a licensed broker (usually by phone). In return, brokers charged very high commissions. However, the advent of web-based discount brokerages has changed the job of the broker.</span></p>\n<div id=\"mntl-sc-block_1-0-7\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"68d2b4fceffd4bfd9f23cb745ac26d87\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_wealth/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Now, individuals who wish to trade on the stock market no longer require a broker on standby to execute their buy and sell orders and can have direct access for as little as pennies in commissions. Although brokers still execute orders, many have expanded their services to personalized investment management to justify charging higher commissions.</span></p>\n<div id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_5-0\" class=\"comp mntl-block\">\n<div id=\"billboard3-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard3-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard3-dynamic_1-0\" class=\"comp billboard3-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard3\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf2\" data-priority=\"5\" data-sizes=\"[[300, 250], [300, 252], [3, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"d7b3dc0ce75b4aa8b5dc3e4212738d16\" data-auction-floor-value=\"5\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_wealth/billboard3_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-10\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">These days, it’s not uncommon to see brokers dual-registered as investment advisers. Brokers may also be involved heavily as part of a sales team in private placements, initial public offerings (IPOs), or secondary issuances. Working alongside their firm\'s corporate finance departments, brokers may work to sell their clients on a hot new issuance or private deal to help a company raise capital. In return, the broker may receive a commission, shares, or warrants in the issuing company.</span></p>\n<div id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_6-0\" class=\"comp mntl-block\">\n<div id=\"native_1-0\" class=\"comp scads-to-load native mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt dynamic scads-ad-placed\">\n<div id=\"native\" class=\"wrapper\" data-type=\"native\" data-pos=\"native\" data-priority=\"4\" data-sizes=\"[[1, 3], &quot;fluid&quot;]\" data-rtb=\"false\" data-targeting=\"{}\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_wealth/native_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n<h2 id=\"mntl-sc-block_1-0-12\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Investment Advisers</span></h2>\n<p id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Investment advisers, on the other hand, work on a fee-based system of dispensing investment advice catered towards individual client needs and oftentimes, manage investment accounts. For example, an investment adviser may work with a client to create an entire wealth management framework, including assisting the clients through tax, estate, and mortgage planning. Not to be confused with a financial adviser, investment advisers are registered with and regulated by the Securities and Exchange Commission (SEC) and or a state regulatory body. Investment advisers are also known as asset managers, investment managers, and wealth managers.</span></p>\n<div id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_7-0\" class=\"comp mntl-block\"></div>\n</div>\n<h2 id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Key Differences in Regulations</span></h2>\n<p id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Investment advisers are also held to a higher legal standard than brokers. In the United States, investment advisers must adhere to the Investment Advisers Act of 1940, which calls on advisers to perform fiduciary duties in regards to their clients’ accounts. Fiduciary duty, which is legally enforceable under the Advisers Act Sections 206 (1)/(2), prohibits advisers from “employ[ing] any device, scheme or artifice to defraud any client or prospective client.”</span></p>\n<p id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The standard also imposes upon the adviser the “affirmative duty of ‘utmost good faith’ and full and fair disclosure of material facts” as part of the adviser’s duty to exercise loyalty and care. This includes “an obligation not to subordinate the clients’ interests to its own.” Due to the importance of this fiduciary conduct, most investment advisers can make investment decisions for their clients without first getting the client\'s permission. </span></p>\n<div id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Prior to 2011, all investment advisers with $30 million or more assets under management (AUM) had to register with the U.S. Securities and Exchange Commission (SEC), while advisers with less than $25 million needed only to register with their state regulatory body. In 2011, the Dodd-Frank Act increased the minimum assets under management for SEC registration to $110 million.</span></p>\n<div id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Brokers, as defined broadly by the SEC as “any person engaged in the business of effecting transactions in securities for the account of others” (which may also include investment advisers), must register with the SEC and a self-regulatory organization. The most well-known broker self-regulatory organization is the Financial Industry Regulatory Authority (FINRA).</span></p>\n<div id=\"mntl-sc-block_1-0-23\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<h2 id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Key Differences in Testing and Licensing</span></h2>\n<p id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Investment advisers and brokers also have different training and licensing requirements. Brokers have to pass the Series 7, otherwise known as the General Securities Representative Exam; the Series 7 also acts as a precursor to further exams in the securities industry. On the other hand, future investment advisers must pass the Series 65 exam, which is a requirement before they can dispense financial advice for a fee. </span></p>\n<div id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">An additional distinction between the Series 7 and the Series 65 is that only the Series 7 requires an individual to be sponsored by a firm prior to enrolling for the test. The Series 65 is also often used by certified public accountants (CPAs) to enter the investment advisory business. Unlike chartered financial analysts (CFAs) and certified financial planners (CFPs), the CPA designation does not meet the prerequisites to have the Series 65 exam waived.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/articles/investing/071515/investment-advisor-versus-broker-how-they-compare.asp\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Investment Adviser vs. Broker: What\'s the Difference?','','inherit','closed','closed','','863-revision-v1','','','2020-11-19 19:21:14','2020-11-19 19:21:14','',863,'http://smartinsurance.tips/863-revision-v1/',0,'revision','',0),(882,1,'2020-11-19 21:32:56','2020-11-19 21:32:56','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"ArticleHeader-headline\" style=\"text-align: center;\"><strong>Here’s a decade-by-decade guide to retirement planning</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p><img src=\"https://image.cnbcfm.com/api/v1/image/106762046-1603738548830-PF_Guide_Age_Based_20s.png?v=1604079161&amp;w=678&amp;h=381\" alt=\"An illustration of a person in his 20′s holding a phone that displays her spending breakdown, including savings, college, shopping, and friends.\" style=\"text-align: justify;\" /></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000; font-size: 26px;\">Introduction</span></p>\n<div class=\"group\">\n<p><span style=\"color: #000000;\">Saving for retirement is the gnarliest of delayed gratification challenges. Tucking money away today in retirement accounts with the intention you won’t touch it for decades is not a habit that most brains are hard-wired to embrace.</span></p>\n<p><span style=\"color: #000000;\">But save we must.</span></p>\n<p><span style=\"color: #000000;\">For most people, Social Security benefits won’t cover all the bills in retirement. To land in retirement in solid financial shape, you also want to build your own savings in 401(k) plans and individual retirement accounts.</span></p>\n<p><span style=\"color: #000000;\">It’s never too early to get started. (Hint: compound growth is your best investing friend.) Nor is it ever too late to make progress. (Another hint: Worried you won’t have enough retirement income? Consider ways to reduce your spending needs in retirement.)</span></p>\n<p><span style=\"color: #000000;\">Like any big goal, breaking it down into manageable bite-size pieces keeps the task from veering into overwhelming. Focusing on a few key moves in each decade will set you up for a successful retirement.</span></p>\n<p><span style=\"color: #000000;\">Yes, you’ve got a lot of competing goals and, yes, retirement is a long way off. Understood. But the powerful math of compound growth means this is the decade where what you manage to save can exploit compound growth to its fullest.</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n<div class=\"group\" id=\"in-your-20s-cash-in-on-compound-growth\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 20s: Cash in on compound growth</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-6\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about 1x your salary</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Aim to save 10% of your gross salary pronto.</strong> That’s a minimum; crank it up to 15% and you’re giving yourself a serious leg up. If you wait another decade to get rolling, you’ll need to save at least 20%.</span></li>\n<li><span style=\"color: #000000;\"><strong>Focus on Roth options.</strong> Retirement accounts come in two flavors: traditional and Roth. The big difference is when you pay tax. At this life stage, when you’ve yet to hit peak earnings, saving in a Roth can be smart.</span></li>\n</ul>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Got a workplace plan? Check what your employer chose for you. </strong>If your employer auto-enrolled you into a retirement plan such as a 401(k) or 403(b), chances are your contribution rate was set way too low. Some plans start you at a rate that doesn’t even enable you to pocket the matching maximum contribution most plans offer. And most plans choose an initial contribution rate that even with the maximum match won’t get you near your 10% target. No worries. You can easily change your contribution rate. Ping HR.</span></li>\n<li><span style=\"color: #000000;\"><strong>No workplace plan?</strong> <strong>Get rolling with an IRA.</strong> If you’re self-employed, or a contract worker, you can set up an IRA account at any discount brokerage. If you qualify for a Roth IRA, your maximum contribution in 2020 is $6,000. Able to save more? Check out a SEP-IRA; it allows self-employed workers to save more for retirement. Alas, SEPs only are traditional. There’s no Roth option with a SEP.</span></li>\n<li><span style=\"color: #000000;\"><strong>Check out a target date fund.</strong> If you’re flummoxed by all the investment choices, a TDF can handle the work for you. A TDF automatically chooses a mix of stocks and bonds deemed appropriate based on how long you’ve got until you expect to retire.</span></li>\n</ul>\n<div class=\"group\" id=\"in-your-30s-stay-or-get-focused\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 30s: Stay (or get) focused</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-13\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about<em> 3x your salary</em></span></p>\n<p><span style=\"color: #000000;\"><em></em></span></p>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>If you’re just getting started, aim to save at least 15% of your gross salary</strong>; <strong>20% is even better. </strong>You don’t have time for baby steps at this point. If you can’t imagine immediately revving from zero to at least 15%, that’s a sign it’s time to — deep breath — commit to budgeting to find the cash to save.</span></li>\n</ul>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Hands off what you have already saved for retirement. </strong>If you contributed to a workplace retirement plan in your 20s, don’t blow it by cashing out when you job hop. An unfortunate feature of workplace plans is that when you leave a job, one of your options is to cash out your retirement account. To be blunt: That’s a crazy-bad move. There may be taxes, and there definitely will be a 10% early withdrawal penalty. Moreover, you’ve just robbed your future self of money you will need in retirement.</span></li>\n</ul>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<div class=\"group\" id=\"in-your-40s-monitor-your-spending\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 40s: Monitor your spending</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-18\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about<em>4x your salary</em></span></p>\n</div>\n</div>\n<div class=\"group\">\n<p><span style=\"color: #000000;\"> </span></p>\n</div>\n<p><span style=\"color: #000000;\">The challenge in this decade is to not take on big-ticket spending that can make it hard to keep up with your retirement plan.</span></p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Get a ballpark of how you’re doing. </strong>After a decade (or, it’s hoped, two) of saving for retirement, it’s a good time to plug in what you’ve got saved up into an online calculator to get a rough estimate of what that might grow to by the time you’re ready to retire. If the numbers give you pause, you’ve got time to crank up the saving. Can’t see your way to do that? Keep reading.</span></li>\n<li><span style=\"color: #000000;\"><strong>Be on high alert for lifestyle creep.</strong> One of the challenges of moving into your prime earning years is the tendency to spend more as you make more. Lifestyle creep has upended many a well-intentioned retirement plan. These are the years where buying the less expensive cars, taking the restorative vacations that don’t break the bank and checking your tendency to always choose upgrades for whatever you’re buying are all conscious ways to spend less so you have more to save.</span><br /><span style=\"color: #000000;\">It’s also helpful to commit to a strategy for how much of every raise, bonus and one-off windfall, such as an inheritance, you will plunk into your retirement savings accounts.</span></li>\n<li><span style=\"color: #000000;\"> <strong>Don’t back up the truck for college. </strong>This is a decidedly hard notion to consider, but insanely important. Ultimately what your kids really need from you is to be able to take care of yourself in retirement, so they don’t need to chip in, at a point in their lives when they are likely in the throes of raising their own family. Start the college planning early, and focus on schools where your kid has a good shot at aid that will keep your family’s net price manageable.</span></li>\n</ul>\n<div class=\"group\" id=\"in-your-50s-plan-your-retirement-income\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 50s: Plan your retirement income</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-22\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about <em>8x your salary</em></span></p>\n<p><span style=\"color: #000000;\"><em></em></span></p>\n</div>\n</div>\n<div class=\"group\">\n<p><span style=\"color: #000000;\">Saving as much as possible remains Job One. But now’s also the time to start getting a sense of how the pieces of your retirement income puzzle will fit together.</span></p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Estimate your retirement income. </strong>Online calculators will give you a ballpark of the income your retirement savings can generate over a 30-year retirement. (Yes, you should plan that long. More on this in the next decade). You’ll also be asked to plug in an estimate of your Social Security payout. You’re too close to retirement to spitball this.</span><br /><span style=\"color: #000000;\">Take a few minutes to log in to the Social Security Retirement Estimator to get estimates based on your earnings history. Scribble down what you might qualify for at your full retirement age (somewhere between 66 and 67) and if you wait until age 70. Plug those into the retirement calculator to see how it impacts your retirement income.</span></li>\n<li><span style=\"color: #000000;\"><strong>Put downsizing on the table. </strong>If the first pass at estimating your retirement savings caused some serious agita, convincing yourself you will just work longer can be dangerous magical thinking, especially when a recession hits. Downsizing sooner than later can transform your retirement outlook from nerve-wracking to flush.</span></li>\n<li><span style=\"color: #000000;\"><strong>Save even more. </strong>Once you turn 50, Uncle Sam allows you to save even more in 401(k) plans and IRAs. The catch-up contribution for 401(k) accounts is $6,000 per year. For IRAs, you can add another $1,000.</span></li>\n<li><span style=\"color: #000000;\"><strong>Get a pro’s input</strong>. Head spinning a bit? That’s understandable. Saving for retirement is the easy part. Figuring out how to live off your savings and optimize Social Security is anything but. There are plenty of certified financial planners who work on an hourly or project basis to help you sort through your retirement options and hatch a plan.</span></li>\n</ul>\n</div>\n<div class=\"group\" id=\"in-your-60s-focus-on-your-age-90-plus-future-self\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 60s: Focus on your age 90-plus future self</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-26\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about <em>10x your salary</em></span></p>\n</div>\n</div>\n<div class=\"group\">\n<p><span style=\"color: #000000;\">You’ve rounded the bend, with retirement in your sights. The big win this decade is to assume that you will live until 95.</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Plan on a 30-year retirement. </strong>Tune out the life expectancy numbers that make it into the news from time to time. That’s the average from birth. What matters now is your life expectancy from where you’re at today. Make it into your 60s and there’s a good chance you will still be alive in your 90s. The Society of Actuaries’ Longevity Illustrator may be the most important retirement planning tool at this life stage. Take a spin through the free tool to get a sense of how long you may need your retirement income plan to last.</span></li>\n<li><span style=\"color: #000000;\"><strong>Respect inflation. </strong>With a potential 30-plus year retirement runway, you likely will want to keep some of your investment portfolio invested in stocks, which historically provide the best inflation-beating gains. Even at a low 1.5% annual inflation rate, what costs you $1,000 today will cost nearly $1,350 in 20 years and more than $1,550 in 30 years.</span></li>\n<li><span style=\"color: #000000;\"><strong>Wait until age 70 to start collecting Social Security</strong>. The best investment move you can make in your 60s is to plan to delay taking Social Security. You can start as early as age 62, but you will get 25% to 30% less than if you wait until your FRA, when you are entitled to 100% of your earned benefit. Manage to delay past your FRA and your benefit will increased a guaranteed 8% each year until you reach 70.</span><br /><span style=\"color: #000000;\">Might you earn more if you took the payout earlier and invested in stocks? Perhaps. But you could also lose plenty, too. The higher payout from delaying when you start Social Security is guaranteed. For couples in good health, the strategy should be for the highest earner to delay until 70. It is less important when the other spouse claims.</span></li>\n<li><span style=\"color: #000000;\"><strong>Consider covering essential spending from guaranteed sources of income. </strong>If your Social Security benefit won’t cover all your fixed expenses (and you don’t have a pension), a single premium income annuity can close the gap and make it easier to sleep at night, knowing you’ve got what you need regardless of what is going on in the markets.</span></li>\n</ul>\n</div>\n<p><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.cnbc.com/guide/retirement-planning-decade-by-decade/#in-your-60s-focus-on-your-age-90-plus-future-self\">click here<span style=\"color: #000000;\">.</span></a></span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Here’s a decade-by-decade guide to retirement planning','','publish','closed','closed','','heres-a-decade-by-decade-guide-to-retirement-planning','','','2020-11-19 21:52:53','2020-11-19 21:52:53','',0,'http://smartinsurance.tips/?page_id=882',0,'page','',0),(883,1,'2020-11-19 21:32:56','2020-11-19 21:32:56','<!-- wp:divi/placeholder /-->','Here’s a decade-by-decade guide to retirement planning','','inherit','closed','closed','','882-revision-v1','','','2020-11-19 21:32:56','2020-11-19 21:32:56','',882,'http://smartinsurance.tips/882-revision-v1/',0,'revision','',0),(854,1,'2020-10-26 22:28:53','2020-10-26 22:28:53','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<h1 class=\"polaris__heading polaris__heading--title\" style=\"text-align: center;\"><strong>The 25 Cheapest U.S. Cities to Live In</strong></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\">When it comes to cheap living, the best places to settle down are mostly south of the Mason-Dixon line. Texas, Tennessee and Arkansas are just a few states making multiple appearances on our list.</span></p>\n<p><span style=\"color: #000000;\">But if you\'re thinking about relocating to one of these cheapest cities to live in, just remember to weigh the pros and cons. A low cost of living is attractive, but the allure lessens if jobs are hard to come by, paychecks are small or the town offers little to do. Plan an extended visit to ensure the city fits your needs.</span></p>\n<p><span style=\"color: #000000;\">We compiled our rankings based on the Council for Community and Economic Research\'s calculations of living expenses in 270 urban areas. Its Cost of Living Index measures prices for housing, groceries, utilities, transportation, health care and miscellaneous goods and services such as going to a movie or getting your hair done at a salon.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"308999\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">25. Lynchburg, Virginia</span></h3>\n<div class=\"polaris__single-slide--photo\"><span style=\"color: #000000;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KqrdZywb--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Lynchburg_Va_Getty_.jpg 1666w\" /></span></div>\n</div>\n</div>\n<div class=\"polaris__ad -empty-ad-slot -float-right\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-kglcx4se\"></div>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 11.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 82,126</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $42,389 (U.S.: $61,937)</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$175,500 (U.S.: $229,700)</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.9% (U.S.: 8.4%)</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Lynchburg sits in the foothills of the famed Blue Ridge Mountains and is home to Liberty University, the city\'s largest employer. But a diversity of businesses and industries makes Lynchburg more than just a college town.</span></p>\n<p><span style=\"color: #000000;\">A comparatively resilient job market – the unemployment rate stands well below the national level – and a low cost of living help explain how Lynchburg has ranked near the top of Gallup\'s well-being index.</span></p>\n<p><span style=\"color: #000000;\">The \"City of Seven Hills\" makes this list of cheapest U.S. cities to live in largely because its residents spend nearly a fifth less than the national average on housing costs. Groceries and transportation costs run about well below what the average American pays, too.</span></p>\n<p><span style=\"color: #000000;\">But not every last thing is cheaper in Lynchburg. Utilities do cost a little more than the national average, for instance. Beer costs about 5% more on average, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"311263\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">24. Springfield, Missouri</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--KrNXINS2--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Springfield_MO_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<div class=\"polaris__ad -empty-ad-slot -float-right\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-kglcx4td\"></div>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.2% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 168,113</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $33,879</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$120,800</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Springfield, also known as the \"Queen City of the Ozarks\" and the \"Birthplace of Route 66,\" sports an overall cost of living that is more than 12% below the national average.</span></p>\n<p><span style=\"color: #000000;\">Housing-related costs, which are 30% less than what the average American pays, make up the lion\'s share of residents\' savings. Apartment rents are about 22% cheaper and average home prices are a little more than half the national level. Springfielders enjoy savings on groceries, transportation and utilities, too.</span></p>\n<p><span style=\"color: #000000;\">Springfield might not be the biggest city in Missouri, but it\'s certainly not lacking for culture. The Springfield Opera, Springfield Ballet and Springfield Symphony are just some of the city\'s offerings. It\'s also home to Missouri State University.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"312529\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">23. Temple, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@1/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-mobile@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Jmc365nF--/t_slideshow-image-desktop@2/v1601572378/Cheapest%20Cities%202020/Temple-TX_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.3% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 76,251</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $54,028</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$153,000</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.0%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Situated about 65 miles north of Austin, the Killeen-Temple metro area started out as a 19th century railroad town, but today it\'s as modern as they come. The area is home to a major regional medical center, and its Central Texas location makes it an ideal base for distribution and logistics companies.</span></p>\n<p><span style=\"color: #000000;\">But whether you\'re a doctor or truck driver, Temple won\'t overburden your bank account. Overall, the cost of living is 12.3% cheaper than the national average. Although health care is about 16% more expensive in Temple, and utilities are pricier too, residents catch a break on a range of other costs. Housing costs are 25% below the national average, while groceries are generally around 22% cheaper than elsewhere, making it one of the cheapest U.S. cities you can live in.</span></p>\n<p><span style=\"color: #000000;\">Fun fact: NFL Hall of Fame defensive tackle \"Mean\" Joe Greene was raised and played high school football in Temple.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"436990\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">22. Jonesboro, Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@1/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-mobile@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--QWgmuYOD--/t_slideshow-image-desktop@2/v1601572369/Cheapest%20Cities%202020/Jonesboro_Getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 76,990</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $45,057</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$163,100</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.6%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Best known as the home of Arkansas State University, Jonesboro is a college town with a degree in affordability. For instance, putting a roof over your head costs about a third less than the national average, according to the Cost of Living Index.</span></p>\n<p><span style=\"color: #000000;\">Health care is very reasonable, too. A visit to the doctor is in line with the national average, but other specialties are appreciably more affordable. A trip to the optometrist costs a quarter less than the national average, and you\'ll save about 20% on a trip to the dentist.</span></p>\n<p><span style=\"color: #000000;\">And when you feel the need to escape to a big city, Memphis is a little more than an hour\'s drive from Jonesboro (more on the budget-friendly charms of Memphis later). Another plus is that Jonesboro\'s unemployment rate is below the national average.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"455425\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">21. Morristown, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--3C3kpiFJ--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Morristown_TN_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 12.9% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 29,547</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $32,386</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$111,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 7.3%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Morristown is steeped in frontier history. The small city, which is less than an hour\'s drive east from Knoxville, is where you\'ll find the Crockett Tavern Museum, a reconstruction of Davy Crockett\'s boyhood home.</span></p>\n<p><span style=\"color: #000000;\">The King of the Wild Frontier wouldn\'t recognize the area today, but he\'d find it still to be a comparatively economical place to live.</span></p>\n<p><span style=\"color: #000000;\">Housing-related expenses including rents and mortgages are nearly 30% lower than the national average, according to the Council for Community and Economic Research\'s Cost of Living Index. Costs for transportation run are almost 20% below what the average American pays. Health care and grocery items also contribute to Morristown\'s ranking among the cheapest U.S. cities to live in.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"517209\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">20. Danville, Illinois</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--HrOXctzt--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Danville_commons_2.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 13.1% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 31,554</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $36,176</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$67,400</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 9.3%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">About 120 miles south of Chicago sits Danville, Ill., a small, unassuming city that was once the home of Dick Van Dyke, Gene Hackman, Donald O\'Connor and Bobby Short. Perhaps most impressively, Abraham Lincoln spent 18 years practicing law in Danville. The city has more than a dozen sites commemorating his time there.</span></p>\n<p><span style=\"color: #000000;\">Danville was a coal-mining center for the first half the 20th century, but that industry petered out after World War II. Today, major employers include the U.S. Department of Veterans Affairs, grocery distributor McLane/Midwest and Blue Cross Blue Shield.</span></p>\n<p><span style=\"color: #000000;\">A comparatively high unemployment rate and relatively low median incomes and home values keep prices in check. Housing-related expenses including mortgages and rents stand 35% below the U.S. average. The average price for a house in Danville is $235,820 vs. a national average of $370,590.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"519763\" data-gtm-vis-first-on-screen-13583501_192=\"519763\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">19. Wichita Falls, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--cwDvFtMx--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Wichita_Falls_TX_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living: </strong>13.2% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 104,568</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $47,195</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value:</strong> $97,200</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The largest employer in Wichita Falls is the United States Air Force, with Sheppard Air Force Base located just a short drive from downtown. But this city situated 140 miles northwest of Dallas claims other distinctions, too.</span></p>\n<p><span style=\"color: #000000;\">Wichita Falls is home to the Professional Wrestling Hall of Fame &amp; Museum, boasts the \"world\'s littlest skyscraper\" and allows servicemen and civilians alike to really stretch their paychecks. Housing costs, for example, run more than 20% below the national average. Groceries, health care and transportation costs also are lower than the national average.</span></p>\n<p><span style=\"color: #000000;\">Just be forewarned that this North Texas city gets H-O-T in summer, with average highs of 97 degrees in July. Utilities tend to cost about 10% more than the national average.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"562665\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">18. Hattiesburg, Mississippi</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w1afo8if--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Hattiesburgh_getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 13.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 46,251</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $33,792</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$112,100</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 7.2%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Hattiesburg might be on the small side and it might be cheap, but it sure has a lot going on. It\'s home to both the University of Southern Mississippi – Southern Miss to locals – and William Carey University, a Baptist liberal arts college. Camp Shelby, the largest National Guard training base east of the Mississippi River, is nearby. Hattiesburg is also home to the African American Military History Museum, as well as numerous other museums, galleries and theaters.</span></p>\n<p><span style=\"color: #000000;\">Feel the need to get out of town? It\'s a 90-minute drive from Hattiesburg to the beaches and casinos along Mississippi\'s Gulf Coast.</span></p>\n<p><span style=\"color: #000000;\">At the same time, Hattiesburg, just 115 miles to the north of New Orleans, is one of the cheapest U.S. cities to live in. Whether you rent or own, housing expenses are a third lower than the national average. Utilities, transportation costs and health care are also bargains.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"579050\" data-gtm-vis-first-on-screen-13583501_192=\"579050\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">17. Texarkana, Texas/Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--IwVk7b5L--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Texarkana_Getty_.jpg 1666w\" /></span></h3>\n<div class=\"polaris__single-slide--photo\">\n<div class=\"polaris__image--wrapper lazyloaded\">\n<div class=\"polaris__image--meta\"></div>\n</div>\n</div>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 13.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 151,675</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $45,212</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$110,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.6%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The twin cities of Texarkana, Texas, and Texarkana, Ark., make up some of the most affordable real estate to live in the U.S., especially when it comes to some of life\'s biggest expenses.</span></p>\n<p><span style=\"color: #000000;\">Housing-related costs are about a third below the U.S. average. Apartments rent, for example, averages $718 a month in this border city. Nationally, the average rent comes to $1,169. Grocery items, utilities, health care and transportation are all significantly cheaper, as well.</span></p>\n<p><span style=\"color: #000000;\">A trip to the doctor in Texarkana costs an average of $95, according to the Cost of Living Index. Nationally, a doctor\'s visit costs $115.67. And a dozen eggs will go for $1.28 in Texarkana vs. a national average of $1.45.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"597704\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">16. Oklahoma City, Oklahoma</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--w5Lb54tc--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/OklahomaCity_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.2% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 649,410</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $53,973</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$161,700</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.6%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The largest city in Oklahoma offers remarkably affordable prices for its size. The biggest reason: Housing costs run about 20% below the national average, according to the Cost of Living Index, which takes into account both home prices and apartment rents.</span></p>\n<p><span style=\"color: #000000;\">And, yet, as a metro area with 1.4 million people, Oklahoma City offers a lot of big-city attractions, from a philharmonic orchestra to the National Softball Hall of Fame and Museum. At the professional sports level, the NBA\'s Oklahoma City Thunder is a regularly competitive team.</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"614567\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">15. Seguin, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@1/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-mobile@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--1xIfNzRH--/t_slideshow-image-desktop@2/v1601572377/Cheapest%20Cities%202020/Seguin_TX_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.3% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 28,357</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $48,782</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$124,000</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Seguin, Texas, is a small town in the San Antonio-New Braunfels metro area, about 30 miles from downtown San Antonio. Although the Texas town is quite small with a population of less than 30,000, it\'s well situated to take advantage of any big-city benefits. After all, the San Antonio metro area has a population of more than 2.5 million.</span></p>\n<p><span style=\"color: #000000;\">That\'s not to say that tiny Seguin is without its own charms. Max Starcke Park comprises 227 acres located along the scenic Guadalupe River. The city is also home to the world\'s oldest and largest pecan statue and a nutcracker museum.</span></p>\n<p><span style=\"color: #000000;\">Housing costs are about 18% lower than the national average in Seguin. Low costs on health care, groceries, transportation, utilities and miscellaneous expenses also contribute to Seguin\'s ranking among the 25 cheapest cities in America.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"638968\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">14. Decatur/Hartselle, Alabama</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5TzSTSUh--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Decatur_Ala_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.5% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 152,046</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $49,133</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$132,500</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 4.5%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Decatur and Hartselle are two Northern Alabama cities with an abundance of outdoor activities, cultural diversions and low cost of living. Decatur\'s economy benefits from being the busiest port on the Tennessee River, and from NASA\'s Marshall Space Flight Center in nearby Huntsville. Tourism is another driver of the local economy, thanks to the Wheeler National Wildlife Refuge, the Carnegie Visual Arts Center and festivals such as the Alabama Jubilee Hot Air Balloon Classic.</span></p>\n<p><span style=\"color: #000000;\">Nearby Hartselle, about 10 miles south, shares the charms of its neighbor to the north. Residents can cool off in the summer at the city\'s sprawling aquatic center, which includes a water slide and diving platform. And Southern history buffs will want to stroll through the Hartselle Downtown Commercial Historic District, which is listed in the National Register of Historic Places.</span></p>\n<p><span style=\"color: #000000;\">Residents can enjoy all this and more without breaking the bank. Housing-related costs including mortgages and rents in Decatur are about 15% cheaper than the national average. Apartment rents are less than half of what the average American shells out every month. Prices on a wide range of goods and services, from pizza to haircuts to dry cleaning, are cheaper, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"641390\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">13. Florence, Alabama</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--BQV91g0C--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Florence_Ala_getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 14.7% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 40,104</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $38,902</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$134,500</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">The city of Florence, the birthplace of Helen Keller, sits in the northwest corner of Alabama on the Tennessee River, about a two-hour drive from Birmingham.</span></p>\n<p><span style=\"color: #000000;\">Florence – as well as the surrounding area, known as The Shoals – boast a number of other attractions. The nearby Muscle Shoals Sound Studio has a rich history; it\'s where The Rolling Stones recorded the hit songs \"Wild Horses\" and \"Brown Sugar.\" Florence claims Alabama\'s only house designed by legendary architect Frank Lloyd Wright. The city also hosts the University of North Alabama.</span></p>\n<p><span style=\"color: #000000;\">Happily for residents of Florence, the city\'s distinctive sites and southern charm come at a reasonable price. Housing-related expenses are 35% less than what the average American pays. For example, the average apartment rents for $574, which is about half the national average. Health care costs about 25% less in Florence.</span></p>\n<p><span style=\"color: #000000;\">All other major expenses tracked by the Cost of Living Index likewise take a smaller bite of folks\' paychecks, putting Florence in the middle of the pack of the 25 cheapest U.S. cities to live in.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"690640\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">12. Tulsa, Oklahoma</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lsC2ydqi--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Tulsa_Getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 15.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 402,223</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $46,113</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$133,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.1%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">This Oklahoma city traces its roots back to the Western expansion, first as a cattle town and later as the \"Oil Capital of the World.\"</span></p>\n<p><span style=\"color: #000000;\">Reminders can be found everywhere.</span></p>\n<p><span style=\"color: #000000;\">The Gilcrease Museum, which specializes in exhibits about the American West, offers free admission for kids under 18, active-duty military and veterans and K-12 Oklahoma teachers.</span></p>\n<p><span style=\"color: #000000;\">Another must-see is the 1920s villa that is home to the Philbrook Museum of Art. Construction of the opulent Italian renaissance building was financed by the oil boom. There\'s no charge to visit on the second Saturday of each month.</span></p>\n<p><span style=\"color: #000000;\">Housing costs are a whopping 39% below the national average, while groceries, health care, transportation, utilities and miscellaneous expenses are all below-average too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"715858\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">11. Jackson, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@1/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-mobile@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--5FLuV1k2--/t_slideshow-image-desktop@2/v1601572376/Cheapest%20Cities%202020/Jackson_Tenn_Getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 15.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 66,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $38,973</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$126,200</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 8.3%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Jackson, Tennessee, and surrounding Madison County are located 90 miles northeast of Memphis, which, as we\'ll see, is also among the least expensive cities in the U.S.</span></p>\n<p><span style=\"color: #000000;\">Jackson serves as a regional center of trade for west Tennessee. Some of the area\'s largest employers include Kellogg (K), Stanley Black &amp; Decker (SWK) and Toyota (TM). The city doesn\'t lack for leisure activities either. The Ned R. McWherter West Tennessee Cultural Arts Center, the West Tennessee Healthcare Sportsplex and the International Rock-A-Billy Hall of Fame Museum are just three of the city\'s main attractions.</span></p>\n<p><span style=\"color: #000000;\">And it all comes in an affordable package. The overall cost of living is 15.6% less than the national average, led by particularly low health care and housing expenses.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"772815\" data-gtm-vis-first-on-screen-13583501_192=\"772815\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">10. Anniston, Alabama</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--Ixd1Zcz7--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Anniston_Ala_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<div class=\"polaris__ad -empty-ad-slot -float-right\">\n<div class=\"polaris__ad--inner\"></div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 16.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 21,924</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $33,688</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$96,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.5%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">About an hour\'s drive east from Birmingham sits Anniston. The city\'s proximity to the Mountain Longleaf National Wildlife Refuge makes it a good jumping off point for hikers, mountain bikers and other outdoorsy types. The city also has its quirks. It\'s home to the world\'s largest office chair – a 33-foot-tall seat that was once recognized by Guinness World Records.</span></p>\n<p><span style=\"color: #000000;\">Anniston\'s low cost of living puts it among the 10 cheapest U.S. cities to live in, but it comes alongside a low median income that\'s roughly 26% below the national average. That said, household incomes and home values are higher in other parts of Calhoun County, of which Anniston is the county seat.</span></p>\n<p><span style=\"color: #000000;\">Although the economic picture could be brighter, Anniston has its charms, including architectural gems such as Victorian homes and historic churches.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"835105\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">9. Knoxville, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--SSpem1_q--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Knoxville_TN_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 16.8% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 187,514</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $40,459</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$139,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Thrifty types should volunteer to check out Knoxville, one of four Tennessee cities to make the list for inexpensive living. The city is notable for its across-the-board affordability for everything from food to transportation, according to the Cost of Living Index.</span></p>\n<p><span style=\"color: #000000;\">Consider Knoxville, the original state capital before Nashville, a good mix of city and country living. It is home to the University of Tennessee and the Women\'s Basketball Hall of Fame, but Knoxville is also the gateway to the Great Smoky Mountains. The Tennessee River runs through downtown.</span></p>\n<p><span style=\"color: #000000;\">The city was a strategic objective in the Civil War, so history buffs can visit a number of battlefields nearby, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"855436\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">8. Fayetteville, Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--4ykh_ZAw--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Fayetteville_Ark_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 16.9% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 86,765</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $41,890</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$226,000</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 5.7%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Life is good, and affordable, in the Fayetteville metro area. This area, set deep within the Ozarks, frequently appears on lists of the best places to live in the U.S. – and smart places to retire.</span></p>\n<p><span style=\"color: #000000;\">Fayetteville benefits from being the home of the gargantuan University of Arkansas, and it also doesn\'t hurt that Walmart (WMT), the world\'s largest retailer, is headquartered in nearby Bentonville. Those institutions, among others, help fuel a fast-growing metro area and low unemployment.</span></p>\n<p><span style=\"color: #000000;\">And yet Fayetteville remains relatively cheap for students and civilians, alike. Housing-related costs still run close to 30% below the national average. Health care, groceries and transportation costs are all significantly less expensive, too.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-recent-on-screen-13583501_192=\"872219\" data-gtm-vis-first-on-screen-13583501_192=\"872219\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">7. Conway, Arkansas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@1/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-mobile@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--2yB_kByq--/t_slideshow-image-desktop@2/v1601572374/Cheapest%20Cities%202020/Conway_Ark_getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 17% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 66,421</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $44,569</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$179,100</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 8.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Conway is home to a number of high-tech companies, such as digital marketing firm Acxiom, and post-secondary educational institutions, including the University of Central Arkansas. Close proximity to the Arkansas River and Lake Conway makes the city ideal for fishing and water sports, and there\'s ample space for hunting. Yet you can drive to the state capital of Little Rock in a half-hour or so.</span></p>\n<p><span style=\"color: #000000;\">While Conway\'s median home value is the second-highest among the 25 cheapest U.S. cities to live in, the figure is still below the U.S. median, and housing-related expenses, including utilities, are modest. Relatively low costs for health care also contribute to Conway\'s affordability.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"891729\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">6. Memphis, Tennessee</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@1/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-mobile@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--rWCo6SGa--/t_slideshow-image-desktop@2/v1601572370/Cheapest%20Cities%202020/Memphis_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 17.3% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 650,632</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $37,199</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$103,700</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 11.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">To say that real estate is cheap in Memphis is an understatement. Average home prices come to about $261,000 – an amount that would elicit screams from people who live in the most expensive U.S. cities. Renters benefit, too. A typical apartment in Memphis rents for about $350 a month less than the national average.</span></p>\n<p><span style=\"color: #000000;\">The pandemic recession has clobbered the local economy, but there\'s good work if you can get it. Proximity to the mighty Mississippi River makes Memphis a hub for the shipping and transportation industries. Three Fortune 500 companies – FedEx (FDX), International Paper (IP) and AutoZone (AZO) – call the city home.</span></p>\n<p><span style=\"color: #000000;\">You\'ll also find numerous colleges and universities, an NBA franchise, mouthwatering ribs and, of course, Graceland.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"894111\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">5. Amarillo, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@1/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-mobile@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--zgkPSOFp--/t_slideshow-image-desktop@2/v1601572375/Cheapest%20Cities%202020/Amarillo_TX_Getty_.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 18.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 200,800</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $50,234</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$137,600</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 4.2%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Amarilloans are known for their love of high-school football, hot sauce and thick steaks. They also enjoy savings on a wide range of goods and services. Toothpaste, for example, is roughly 25% less expensive in the city known as \"The Yellow Rose of Texas.\" A trip to the veterinarian is about 13% below the national average. Need to get your eyes checked? An appointment with an optometrist costs 34% less than what the average American pays.</span></p>\n<p><span style=\"color: #000000;\">But the biggest way folks in this part of the Texas Panhandle save money is by what they spend on housing. Residents spend almost 40% less on housing-related costs vs. the national average.</span></p>\n<p><span style=\"color: #000000;\">The city\'s economy has held up pretty well in the recession, too. The unemployment rate of 4.2% is well below the national figure of 8.4%</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"937091\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">4. Joplin, Missouri</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--WGysby1U--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Joplin_MO_Getty_.jpg 1666w\" style=\"font-size: 14px; color: #666666;\" /></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 19.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 50,073</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $42,782</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$123,700</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 6.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">It used to be that Joplin, at least to outsiders, was probably best known as a place where Depression-era bank robbers Bonnie and Clyde hid out for a time. Today, sadly, Joplin is perhaps better known for tornados, such as the deadly storm that destroyed about 30% of the city in 2011.</span></p>\n<p><span style=\"color: #000000;\">The area is on the mend, however, helped by its status as a regional medical center. Its two major hospitals serve a four-state area that includes Kansas, Oklahoma and Arkansas. Housing-related costs are about 45% below the national average, and a large reason why Joplin\'s among the five cheapest U.S. cities to live in. Groceries, health care and transportation costs are comparatively low, as well.</span></p>\n<p><span style=\"color: #000000;\">Utilities, however, run almost 5% more than the U.S. average.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"951161\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">3. Kalamazoo, Michigan</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@1/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-mobile@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--lTq4Xu5---/t_slideshow-image-desktop@2/v1601572371/Cheapest%20Cities%202020/Kalamazoo_getty_.jpg 1666w\" style=\"font-size: 14px; color: #666666;\" /></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 21.6% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 76,557</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $42,759</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$111,800</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 7.9%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">It\'s cheap to live in the Kalamazoo metro area – and that\'s a necessity for many residents. Almost than 30% of the city\'s population lives below the poverty line. (At the metro level, which includes Portage, Michigan, the figure comes to 15%.) The U.S. poverty rate is 10.5%.</span></p>\n<p><span style=\"color: #000000;\">Western Michigan University, with its multiple campuses and research facilities, is a major driver of the local economy. Pfizer (PFE), the drug company, has a sizable operation in Kalamazoo, and medical equipment maker Stryker (SYK) is headquartered in the city.</span></p>\n<p><span style=\"color: #000000;\">As for recreational activities, the Kalamazoo Nature Center hosts free daily activities. Nearby parks offer a combined 140 miles of trails and three swimming beaches. If you want to get away to the big city, Chicago is less than three hours by car if traffic is merciful.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"964360\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000;\">2. Harlingen, Texas</span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@1/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-mobile@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--YkYszgXX--/t_slideshow-image-desktop@2/v1601572372/Cheapest%20Cities%202020/Harlingen_TX_getty_.jpg 1666w\" style=\"font-size: 14px; color: #666666;\" /></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 24.4% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 65,434</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $40,859</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$83,300</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 9.0%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">Harlingen sits on the southernmost tip of Texas, with the Rio Grande to the south and the Gulf of Mexico to the east. The Brownsville-Harlingen metro area is a hardscrabble place where 28% of residents live below the poverty line. That\'s about twice the poverty rate for Texas as a whole.</span></p>\n<p><span style=\"color: #000000;\">However, just about everything, from groceries to gasoline, costs less in Harlingen. A good cut of steak costs about half of the national average (this is Texas, after all). The median home value in Harlingen is a striking $150,000 less than the U.S. median.</span></p>\n<p><span style=\"color: #000000;\">In addition to its proximity to Mexico, Harlingen is about an hour\'s drive to the beaches of South Padre Island.</span></p>\n<div class=\"polaris__single-slide\">\n<div class=\"polaris__single-slide--wrapper\" data-gtm-vis-first-on-screen-13583501_192=\"7249\" data-gtm-vis-total-visible-time-13583501_192=\"100\" data-gtm-vis-has-fired-13583501_192=\"1\">\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span>1. <span style=\"color: #000000;\">McAllen, Texas</span></span></h3>\n<h3 class=\"polaris__heading polaris__single-slide--title\"><span style=\"color: #000000; font-size: 14px;\"><img class=\"polaris__image lazyloaded\" src=\"https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-mobile@1/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg\" data-src=\"https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-mobile@1/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg\" data-srcset=\"https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-mobile@1/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-desktop@1/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-mobile@2/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-desktop@2/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 1666w\" width=\"336\" height=\"189\" alt=\"\" srcset=\"https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-mobile@1/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 336w,https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-desktop@1/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 833w,https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-mobile@2/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 672w,https://mediacloud.kiplinger.com/image/private/s--riDRzsG4--/t_slideshow-image-desktop@2/v1601576170/Cheapest%20Cities%202020/mcallen_tx_getty.jpg 1666w\" /></span></h3>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Cost of living:</strong> 24.8% below U.S. average</span></li>\n<li><span style=\"color: #000000;\"><strong>City population:</strong> 143,429</span></li>\n<li><span style=\"color: #000000;\"><strong>Median household income:</strong> $45,495</span></li>\n<li><span style=\"color: #000000;\"><strong>Median home value: </strong>$130,900</span></li>\n<li><span style=\"color: #000000;\"><strong>Unemployment rate:</strong> 10.4%</span></li>\n</ul>\n<p><span style=\"color: #000000;\">South Texas border towns are known for low costs of living, but not always for happy reasons.</span></p>\n<p><span style=\"color: #000000;\">McAllen, which is about 30 miles west of Harlingen on the Rio Grande, may be a cheap place to live, but it comes at a price. The poverty rate in the McAllen-Edinburg-Mission metro area is 30.5%. The Mexican city of Reynosa, directly across the border, has been the scene of violence between drug gangs and Mexican security forces.</span></p>\n<p><span style=\"color: #000000;\">On the plus side, McAllen is famous for bird watching because of its location on a major migration route. The Quinta Mazatlan, a luxury birdhouse with more than 15 acres of birding habitat, is not to be missed.</span></p>\n<p><span style=\"color: #000000;\">The city also features the International Museum of Art &amp; Science, which has a specific focus on Latin American art.</span></p>\n<p><span style=\"color: #000000;\">And McAllen isn\'t just affordable – it\'s the cheapest American city to live in, according to the Cost of Living Index. Housing costs are 45% lower the national average, while health care is 70% less. One of the only things you\'ll pay a little extra for is utilities, which isn\'t surprising given that temperatures <em>average</em> in the high 90s during the summer months.</span></p>\n<p><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.kiplinger.com/real-estate/places-to-live/601488/25-cheapest-us-cities-to-live-in\">click here</a><span style=\"color: #000000;\">.</span></span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','The 25 Cheapest U.S. Cities to Live In','','inherit','closed','closed','','820-revision-v1','','','2020-10-26 22:28:53','2020-10-26 22:28:53','',820,'http://smartinsurance.tips/820-revision-v1/',0,'revision','',0),(870,1,'2020-11-19 19:25:35','2020-11-19 19:25:35','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"title\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/\" style=\"text-align: center;\"><strong>The coolest tips and tricks for macOS Big Sur</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">In Big Sur, Apple was kind enough to bring one of the coolest iOS features to macOS: The Control Center. It\'s an easy way to get to some essential controls, such as display and keyboard brightness, sound volume, Wi-Fi connections, and more. Click on any of these and you\'ll get additional, granular options. You can also customize the Control Center by going to System Preferences - Dock &amp; Menu Bar. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The coolest thing about Big Sur\'s Control Center is that you can drag any item from the Control Center to the menu bar on top of the screen to get one-click access to that particular option. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Messages improvements</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Apple\'s messaging service for macOS, Message, has come a long way since its launch in 2012, but it\'s always played second fiddle to iMessage (Apple\'s messaging service on iOS) in terms of features. That may still be so, but the new Messages on macOS Big Sur make this gap narrower than ever. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Among other features, the new Messages lets users create and customize Memoji and add visual tricks like balloons and confetti. Inline replies are a particularly neat feature, giving users the ability to create messaging threads. Our favorite new feature is the ability to pin favorite chats to the top of the Messages list. Another thing you can do is @ someone\'s name to directly answer their message. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Startup sound</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Firing up a Mac always meant hearing the legendary, slightly dissonant startup sound — up until Apple, for some reason, decided to remove the feature. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">But in macOS Big Sur, the startup chime is back to warm our hearts on every bootup. If you don\'t like it, you can turn it off by going to System Preferences - Sound - Play sound on startup. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Better privacy</span></h2>\n<figure class=\"image\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"><picture><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__280x157.webp?signature=uESmJnk9o0Qiz4mZw4KlbexWQ9k=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__356x205.webp?signature=2eAbHCTknAKk3aAwmbTLDY0uVYQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__638x368.webp?signature=xYjoKsEL0TcZSGQfe-8_szvZ2JQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.webp%252Ffull-fit-in__950x534.webp?signature=kdKdtxHR0AiIchh9JJRiSNQFXaY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/webp\" /><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__280x157.jpg?signature=uYHQnMyBl78qN7h9SXpZRAf8z1o=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__356x205.jpg?signature=iZrUxLgkAZzYgpGtAwY3revJgWQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__638x368.jpg?signature=-QiI0FVikmnG_J8E1bpVcZkTNA0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__950x534.jpg?signature=dlHxbxCVj2NekKId4yCj2nmZg9U=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/jpg\" /></picture><span class=\"lightbox-expand\"><a name=\"m!50a1\" style=\"color: #000000;\"></a></span></span></p>\n<div class=\"microcontent-wrapper\">\n<div class=\"microcontent-shares\" data-description=\"\" data-fragment=\"m!50a1\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Foriginal.jpg?signature=-EjIBtECGBj7jRCMJcdgpNnvsnE=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-url=\"\"><span style=\"color: #000000;\"><a class=\"social-share microcontent-share-badge network-badge network-badge-facebook facebook\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"facebook\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-twitter twitter\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"twitter\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-pinterest pinterest\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"pinterest\" style=\"color: #000000;\"></a></span></div>\n<p><span style=\"color: #000000;\"><img alt=\"The coolest tips and tricks for macOS Big Sur\" class=\"for-lightbox\" data-fragment=\"m!50a1\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Foriginal.jpg?signature=-EjIBtECGBj7jRCMJcdgpNnvsnE=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-micro=\"1\" loading=\"lazy\" naturalwidth=\"950\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" src=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__950x534.jpg?signature=dlHxbxCVj2NekKId4yCj2nmZg9U=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" src_type=\"jpg\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__280x157.jpg?signature=uYHQnMyBl78qN7h9SXpZRAf8z1o=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__356x205.jpg?signature=iZrUxLgkAZzYgpGtAwY3revJgWQ=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__638x368.jpg?signature=-QiI0FVikmnG_J8E1bpVcZkTNA0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1573981%252Fdbffcd08-4e4d-44d5-89e2-5be583bebe63.jpg%252Ffull-fit-in__950x534.jpg?signature=dlHxbxCVj2NekKId4yCj2nmZg9U=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" pinger-seen=\"true\" /></span></p>\n</div>\n<div class=\"image-credit\">\n<p>&nbsp;</p>\n</div>\n</figure>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">You won\'t be able to find this feature just yet; it\'s coming later this year, according to Apple. But it is pretty important: When it launches, the Mac App Store will have a new section for each app, explaining in detail how the app handles your privacy. This includes the type of data that\'s used to track you, data that\'s linked to you, and how this information is shared with third parties. </span></p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">Safari tricks</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">With every new macOS launch, Apple keeps improving Safari, but it somehow stays forgotten next to Google\'s Chrome. Still, Safari is getting better, and in some ways, it\'s the best browser out there. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Besides being faster than ever before (Apple claims), especially if you have a new Mac with Apple\'s M1 processor, Safari\'s got a ton of improvements, including a customizable start page and redesigned tabs. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">New Safari also has built-in translation and enhanced search, letting you search for a particular tab. That\'s very handy if you, like me, have a zillion tabs open at all times. </span></p>\n<figure class=\"image\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"><picture><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__280x157.webp?signature=gewC0izYeATe1kYnaXIYxRPpvTY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__356x205.webp?signature=WtKXj5y6lfn9228DJ94SjVi-I2I=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__638x368.webp?signature=A8-atgoPeDxAYB4FFxEWhvAecME=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.webp%252Ffull-fit-in__950x534.webp?signature=welzBulR4A6zNTiUJhsFyOmWdO0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/webp\" /><source loading=\"lazy\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__280x157.jpg?signature=TqC5Uvmnz68lZvZpXitY-GTsHYI=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__356x205.jpg?signature=jyEhOn3hoRu9eLUE54G1kJhRvV0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__638x368.jpg?signature=tHLGU_U8QvBpptEueinscrkxMFw=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__950x534.jpg?signature=eEIy9PfSJWCXLSzBfc03ekWJcbs=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" type=\"image/jpg\" /></picture><a name=\"m!6a72\" style=\"color: #000000;\"></a><picture></picture></span></p>\n<div class=\"microcontent-wrapper\">\n<div class=\"microcontent-shares\" data-description=\"\" data-fragment=\"m!6a72\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Foriginal.jpg?signature=-3yPsrk4QiOv_e_J-zpCtk5hNiY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-url=\"\"><span style=\"color: #000000;\"><a class=\"social-share microcontent-share-badge network-badge network-badge-facebook facebook\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"facebook\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-twitter twitter\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"twitter\" style=\"color: #000000;\"></a><a class=\"social-share microcontent-share-badge network-badge network-badge-pinterest pinterest\" href=\"https://mashable.com/article/macos-big-sur-tips-tricks/#\" aria-label=\"pinterest\" style=\"color: #000000;\"></a></span></div>\n<p><span style=\"color: #000000;\"><img alt=\"New Safari has a big emphasis on privacy.\" class=\"\" data-fragment=\"m!6a72\" data-image=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Foriginal.jpg?signature=-3yPsrk4QiOv_e_J-zpCtk5hNiY=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" data-micro=\"1\" loading=\"lazy\" naturalwidth=\"950\" sizes=\"(max-width: 300px) 280w,(max-width: 400px) 356w,(max-width: 700px) 638w,950w\" src=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__950x534.jpg?signature=eEIy9PfSJWCXLSzBfc03ekWJcbs=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com\" src_type=\"jpg\" srcset=\"https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__280x157.jpg?signature=TqC5Uvmnz68lZvZpXitY-GTsHYI=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 280w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__356x205.jpg?signature=jyEhOn3hoRu9eLUE54G1kJhRvV0=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 356w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__638x368.jpg?signature=tHLGU_U8QvBpptEueinscrkxMFw=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 638w,https://mondrian.mashable.com/uploads%252Fcard%252Fimage%252F1574576%252F0edce4ea-b40c-4955-89ca-7e13a1816a33.jpg%252Ffull-fit-in__950x534.jpg?signature=eEIy9PfSJWCXLSzBfc03ekWJcbs=&amp;source=https%3A%2F%2Fblueprint-api-production.s3.amazonaws.com 950w\" pinger-seen=\"true\" width=\"599\" height=\"599\" style=\"float: left;\" /></span></p>\n</div>\n<figcaption class=\"image-caption\"></figcaption>\n<div class=\"image-credit\">\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</figure>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">Finally, adding to the privacy features mentioned above, Safari now also comes with a Privacy Report, giving you an overview of trackers which were prevented from profiling you. The company also added a tool that monitors breached passwords and pings you when one of your saved passwords may have been compromised. </span></p>\n<h2 style=\"text-align: right;\"><span style=\"color: #000000;\">Make it your own </span></h2>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">Visually, new versions of macOS are never radical departures from the last version. But Apple always adds a couple of new tricks you can do to personalize your desktop. </span></p>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">As is customary, Big Sur comes with new wallpapers, featuring the beautiful part of the California coast the new OS is named after. Widgets, which mimic the widgets that debuted on iOS 14, are another nice way of customizing your desktop. Sadly, you cannot place them anywhere your want; they\'re confined to the Notification Center that slides from the right. You can, however, change the way individual widgets are positioned; just click on the Edit Widgets option, positioned at the bottom of the Notification Center. </span></p>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\">Somewhat hidden in the System Preferences - General tab, you can now change the Accent color to multicolor (click the leftmost button), which lets each app display a different accent color. Another new option in the General tab is the ability to allow or disable wallpaper tinting in windows. This will, essentially, make Dark Mode slightly darker, and many Dark Mode fans will appreciate that. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></p>\n</div>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://mashable.com/article/macos-big-sur-tips-tricks/\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','The coolest tips and tricks for macOS Big Sur','','inherit','closed','closed','','867-revision-v1','','','2020-11-19 19:25:35','2020-11-19 19:25:35','',867,'http://smartinsurance.tips/867-revision-v1/',0,'revision','',0),(877,1,'2020-11-19 19:31:47','2020-11-19 19:31:47','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>These 12 Habits Will Help You Reach Financial Freedom</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\"><img src=\"https://www.investopedia.com/thmb/MYoU5b8LNnVrTVs8tU64ouH7Dvo=/2121x1414/filters:fill(auto,1)/GettyImages-187653343-5917563a3df78c7a8c557312-5bbae9d29b574b9db8e3a40fc19c7957.jpg\" width=\"599\" height=\"399\" style=\"float: left;\" />Achieving financial freedom is a goal for many people. It generally means having enough savings, investments, and cash on hand to afford the lifestyle we want for ourselves and our families—and a growing nest egg that will allow us to retire or pursue the career we want without being driven by earning a certain amount each year.</span></p>\n<div id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: right;\">\n<div id=\"mntl-block_3-0\" class=\"comp mntl-block\">\n<div id=\"billboard1-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard1-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"1050\">\n<div class=\"spacer\">\n<div id=\"billboard1-dynamic_1-0\" class=\"comp billboard1-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"atf\" data-priority=\"2\" data-sizes=\"[[300, 1050], [300, 600], [160, 600], [300, 250], [1, 2], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"688231f2dc084a39be666eaab318cded\" data-auction-floor-value=\"15\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-2\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Unfortunately, too many of us fail to achieve it. We are burdened with increasing debt, financial emergencies, profligate spending, and other issues that thwart us from reaching our goals. And we encounter unexpected events, such as the pandemic, that overturn our plans and reveal holes in the safety nets we tried to weave for ourselves and our families.</span></p>\n<div id=\"mntl-sc-block_1-0-3\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"f773805d8bd1403bb1895fcaf1397165\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-4\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Trouble happens to nearly everyone, but these 12 habits can put you on the right path.</span></p>\n<div id=\"mntl-sc-page_1-0\" class=\"comp article-body-content mntl-sc-page mntl-block\" data-sc-sticky-offset=\"80\" data-sc-ad-label-height=\"0\" data-sc-ad-track-spacing=\"90\" data-sc-min-track-height=\"250\" data-sc-max-track-height=\"600\" data-sc-breakpoint=\"40em\" data-sc-load-immediate=\"2\" data-sc-content-positions=\"[300, 1, 1, 1250, 1, 1]\" data-bind-scroll-on-start=\"true\">\n<h2 id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: right;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">1. Set Life Goals</span></h2>\n<p id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">What is financial freedom to you? A general desire for it is too vague a goal, so get specific. Write down how much you should have in your bank account, what the lifestyle entails, and at what age this should be achieved. The more specific your goals, the higher the likelihood of achieving them.</span></p>\n<div id=\"mntl-sc-block_1-0-10\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: right;\">\n<div id=\"mntl-block_6-0\" class=\"comp mntl-block\">\n<div id=\"native_1-0\" class=\"comp scads-to-load native mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt dynamic scads-ad-placed\">\n<div id=\"native\" class=\"wrapper\" data-type=\"native\" data-pos=\"native\" data-priority=\"4\" data-sizes=\"[[1, 3], &quot;fluid&quot;]\" data-rtb=\"false\" data-targeting=\"{}\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/native_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: right;\"><span style=\"color: #000000;\">Next, count backward to your current age and establish financial mileposts at regular intervals. Write it all down neatly and put the goal sheet at the very beginning of your financial binder.</span></p>\n<h2 id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">2. Make a Budget</span></h2>\n<p id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Making a monthly household budget—and sticking to it—is the best way to guarantee that all bills are paid and savings are on track. It’s also a regular routine that reinforces your goals and bolsters resolve against the temptation to splurge.</span></p>\n<div id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_8-0\" class=\"comp mntl-block\">\n<div id=\"billboard5-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard5-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard5-dynamic_2-0\" class=\"comp js-billboard-lazy billboard5-dynamic billboard-lazy mntl-lazy-ad mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard5\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf4\" data-priority=\"7\" data-sizes=\"[[300, 250], [300, 254], [200, 200], [180, 150], [200, 200], [6, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"58a31ff5043a4856a87c7e31544147b0\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard5_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">3. Pay Off Credit Cards in Full</span></h2>\n<p id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Credit cards and similar high-interest consumer loans are toxic to wealth-building. Make it a point to pay off the full balance each month. Student loans, mortgages, and similar loans typically have much lower interest rates; paying them off is not an emergency. Paying on time is and will build a good credit rating.</span></p>\n<div id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">4. Create Automatic Savings</span></h2>\n<p id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Pay yourself first. Enroll in your employer’s retirement plan and make full use of any matching contribution benefit. It’s also wise to have an automatic withdrawal for an emergency fund, which can be tapped for unexpected expenses, and an automatic contribution to a brokerage account or something similar.</span></p>\n<div id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Ideally, the money should be pulled the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely. However, keep in mind that the recommended amount to save is highly debated. In some cases the feasibility of such a fund can be a question.</span></p>\n<div id=\"mntl-sc-block_1-0-23\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">5. Start Investing Now</span></h2>\n<p id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Bad stock markets can make people question this, but historically there has been no better way to grow your money than through investing. The magic of compound interest will help it increase exponentially over time, but you need a lot of time to achieve meaningful growth. Don’t try to be a stock picker or trick yourself into thinking you can be the next Warren Buffett. There can only be one.</span></p>\n<div id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Instead, open an online brokerage account that makes it easy for you to learn how to invest, create a manageable portfolio, and make weekly or monthly contributions to it automatically. We’ve ranked the best online brokers for beginners to help you get started.</span></p>\n<div id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-31\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">6. Watch Your Credit</span></h2>\n<p id=\"mntl-sc-block_1-0-32\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Your credit score determines what interest rate you are offered when buying a new car or refinancing a home. It also impacts seemingly unrelated things, such as car insurance and life insurance premiums.</span></p>\n<div id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-34\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The reasoning is that someone with reckless financial habits is also likely to be reckless in other aspects of life, such as driving and drinking. This is why it’s important to get a credit report at regular intervals to make sure that there are no erroneous black marks ruining your good name.</span></p>\n<div id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-36\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">7. Negotiate</span></h2>\n<p id=\"mntl-sc-block_1-0-37\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Many Americans are hesitant to negotiate for goods and services, worrying that it makes them seem cheap. Overcome this cultural handicap and you could save thousands each year. Small businesses, in particular, tend to be open to negotiation, where buying in bulk or repeat business can open the door to good discounts.</span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">8. Continuous Education</span></h2>\n<p id=\"mntl-sc-block_1-0-40\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Review all applicable changes in the tax laws each year to ensure that all adjustments and deductions are maximized. Keep up with financial news and developments in the stock market and do not hesitate to adjust your investment portfolio accordingly. Knowledge is also the best defense against those who prey on unsophisticated investors to turn a quick buck.</span></p>\n<div id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">9. Proper Maintenance</span></h2>\n<p id=\"mntl-sc-block_1-0-43\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Taking good care of property makes everything from cars and lawnmowers to shoes and clothes last longer. As the cost of maintenance is a fraction of the cost of replacement, it’s an investment not to be missed.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-47\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">10. Live Below Your Means</span></h2>\n<p id=\"mntl-sc-block_1-0-48\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Mastering a frugal lifestyle by having a mindset of living life to the fullest with less is not so hard. Indeed, many wealthy individuals developed a habit of living below their means before rising to affluence.</span></p>\n<div id=\"mntl-sc-block_1-0-49\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-50\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">This isn’t a challenge to adopt a minimalist lifestyle or a call to action to head to the dumpster with things you’ve hoarded over the years. Making small adjustments by distinguishing between the things you need and the things you want is a financially helpful habit to put into practice.</span></p>\n<div id=\"mntl-sc-block_1-0-51\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-52\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">11. Get a Financial Advisor </span></h2>\n<p id=\"mntl-sc-block_1-0-53\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Once you’ve gotten to a point where you’ve amassed a decent amount of wealth—be it liquid investments or tangible assets that aren’t as readily available to convert to cash—get a financial advisor to educate you and help make decisions.</span></p>\n<div id=\"mntl-sc-block_1-0-54\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-55\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">12. Take Care of Your Health</span></h2>\n<p id=\"mntl-sc-block_1-0-56\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The principle of proper maintenance also applies to the body. Invest in good health with regular visits to doctors and dentists, and follow health advice about any problems you encounter. Many problems can be helped—or even prevented—with lifestyle changes such as more exercise and a healthier diet. Some companies have limited sick days, making it a notable loss of income once those days are used up. Obesity and ailments make insurance premiums skyrocket, and poor health may force earlier retirement with lower monthly income.</span></p>\n<div id=\"mntl-sc-block_1-0-57\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-58\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">The Bottom Line</span></h2>\n<p id=\"mntl-sc-block_1-0-59\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">These 12 steps won’t solve all of your money problems, but they will help you develop healthy habits that can get you on the path to financial freedom—whatever that means for you.</span></p>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"></p>\n<div id=\"mntl-block_2-0\" class=\"comp js-scads-inline-content mntl-block\"></div>\n</div>\n<div id=\"textnote-placeholder_1-0\" class=\"comp textnote-placeholder mntl-block\"></div>\n<div id=\"textnote_1-0\" class=\"comp textnote mntl-gpt-adunit gpt native \">\n<div id=\"textnote\" class=\"wrapper\"></div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/articles/personal-finance/112015/these-10-habits-will-help-you-reach-financial-freedom.asp\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','These 12 Habits Will Help You Reach Financial Freedom','','inherit','closed','closed','','872-revision-v1','','','2020-11-19 19:31:47','2020-11-19 19:31:47','',872,'http://smartinsurance.tips/872-revision-v1/',0,'revision','',0),(875,1,'2020-11-19 19:30:19','2020-11-19 19:30:19','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>These 12 Habits Will Help You Reach Financial Freedom</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Achieving financial freedom is a goal for many people. It generally means having enough savings, investments, and cash on hand to afford the lifestyle we want for ourselves and our families—and a growing nest egg that will allow us to retire or pursue the career we want without being driven by earning a certain amount each year.</span></p>\n<div id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_3-0\" class=\"comp mntl-block\">\n<div id=\"billboard1-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard1-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"1050\">\n<div class=\"spacer\">\n<div id=\"billboard1-dynamic_1-0\" class=\"comp billboard1-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"atf\" data-priority=\"2\" data-sizes=\"[[300, 1050], [300, 600], [160, 600], [300, 250], [1, 2], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"688231f2dc084a39be666eaab318cded\" data-auction-floor-value=\"15\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-2\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Unfortunately, too many of us fail to achieve it. We are burdened with increasing debt, financial emergencies, profligate spending, and other issues that thwart us from reaching our goals. And we encounter unexpected events, such as the pandemic, that overturn our plans and reveal holes in the safety nets we tried to weave for ourselves and our families.</span></p>\n<div id=\"mntl-sc-block_1-0-3\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"f773805d8bd1403bb1895fcaf1397165\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-4\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Trouble happens to nearly everyone, but these 12 habits can put you on the right path.</span></p>\n<div id=\"mntl-sc-page_1-0\" class=\"comp article-body-content mntl-sc-page mntl-block\" data-sc-sticky-offset=\"80\" data-sc-ad-label-height=\"0\" data-sc-ad-track-spacing=\"90\" data-sc-min-track-height=\"250\" data-sc-max-track-height=\"600\" data-sc-breakpoint=\"40em\" data-sc-load-immediate=\"2\" data-sc-content-positions=\"[300, 1, 1, 1250, 1, 1]\" data-bind-scroll-on-start=\"true\">\n<h2 id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">1. Set Life Goals</span></h2>\n<p id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">What is financial freedom to you? A general desire for it is too vague a goal, so get specific. Write down how much you should have in your bank account, what the lifestyle entails, and at what age this should be achieved. The more specific your goals, the higher the likelihood of achieving them.</span></p>\n<div id=\"mntl-sc-block_1-0-10\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_6-0\" class=\"comp mntl-block\">\n<div id=\"native_1-0\" class=\"comp scads-to-load native mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt dynamic scads-ad-placed\">\n<div id=\"native\" class=\"wrapper\" data-type=\"native\" data-pos=\"native\" data-priority=\"4\" data-sizes=\"[[1, 3], &quot;fluid&quot;]\" data-rtb=\"false\" data-targeting=\"{}\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/native_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Next, count backward to your current age and establish financial mileposts at regular intervals. Write it all down neatly and put the goal sheet at the very beginning of your financial binder.</span></p>\n<div id=\"mntl-sc-block_1-0-12\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_7-0\" class=\"comp mntl-block\">\n<div id=\"billboard4-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard4-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard4-dynamic_2-0\" class=\"comp billboard4-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard4\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf3\" data-priority=\"6\" data-sizes=\"[[300, 250], [300, 253], [300, 600], [4, 1], [200, 200], [180, 150], [200, 200], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"02e13aae5467459aa7a83d580eca36a9\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard4_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">2. Make a Budget</span></h2>\n<p id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Making a monthly household budget—and sticking to it—is the best way to guarantee that all bills are paid and savings are on track. It’s also a regular routine that reinforces your goals and bolsters resolve against the temptation to splurge.</span></p>\n<div id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_8-0\" class=\"comp mntl-block\">\n<div id=\"billboard5-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard5-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard5-dynamic_2-0\" class=\"comp js-billboard-lazy billboard5-dynamic billboard-lazy mntl-lazy-ad mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard5\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf4\" data-priority=\"7\" data-sizes=\"[[300, 250], [300, 254], [200, 200], [180, 150], [200, 200], [6, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"58a31ff5043a4856a87c7e31544147b0\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_budgeting-and-savings/billboard5_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">3. Pay Off Credit Cards in Full</span></h2>\n<p id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Credit cards and similar high-interest consumer loans are toxic to wealth-building. Make it a point to pay off the full balance each month. Student loans, mortgages, and similar loans typically have much lower interest rates; paying them off is not an emergency. Paying on time is and will build a good credit rating.</span></p>\n<div id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">4. Create Automatic Savings</span></h2>\n<p id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Pay yourself first. Enroll in your employer’s retirement plan and make full use of any matching contribution benefit. It’s also wise to have an automatic withdrawal for an emergency fund, which can be tapped for unexpected expenses, and an automatic contribution to a brokerage account or something similar.</span></p>\n<div id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Ideally, the money should be pulled the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely. However, keep in mind that the recommended amount to save is highly debated. In some cases the feasibility of such a fund can be a question.</span></p>\n<div id=\"mntl-sc-block_1-0-23\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">5. Start Investing Now</span></h2>\n<p id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Bad stock markets can make people question this, but historically there has been no better way to grow your money than through investing. The magic of compound interest will help it increase exponentially over time, but you need a lot of time to achieve meaningful growth. Don’t try to be a stock picker or trick yourself into thinking you can be the next Warren Buffett. There can only be one.</span></p>\n<div id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Instead, open an online brokerage account that makes it easy for you to learn how to invest, create a manageable portfolio, and make weekly or monthly contributions to it automatically. We’ve ranked the best online brokers for beginners to help you get started.</span></p>\n<div id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-31\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">6. Watch Your Credit</span></h2>\n<p id=\"mntl-sc-block_1-0-32\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Your credit score determines what interest rate you are offered when buying a new car or refinancing a home. It also impacts seemingly unrelated things, such as car insurance and life insurance premiums.</span></p>\n<div id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-34\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The reasoning is that someone with reckless financial habits is also likely to be reckless in other aspects of life, such as driving and drinking. This is why it’s important to get a credit report at regular intervals to make sure that there are no erroneous black marks ruining your good name.</span></p>\n<div id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-36\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">7. Negotiate</span></h2>\n<p id=\"mntl-sc-block_1-0-37\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Many Americans are hesitant to negotiate for goods and services, worrying that it makes them seem cheap. Overcome this cultural handicap and you could save thousands each year. Small businesses, in particular, tend to be open to negotiation, where buying in bulk or repeat business can open the door to good discounts.</span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">8. Continuous Education</span></h2>\n<p id=\"mntl-sc-block_1-0-40\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Review all applicable changes in the tax laws each year to ensure that all adjustments and deductions are maximized. Keep up with financial news and developments in the stock market and do not hesitate to adjust your investment portfolio accordingly. Knowledge is also the best defense against those who prey on unsophisticated investors to turn a quick buck.</span></p>\n<div id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">9. Proper Maintenance</span></h2>\n<p id=\"mntl-sc-block_1-0-43\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Taking good care of property makes everything from cars and lawnmowers to shoes and clothes last longer. As the cost of maintenance is a fraction of the cost of replacement, it’s an investment not to be missed.</span></p>\n<div id=\"mntl-sc-block_1-0-44\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<div id=\"mntl-sc-block_1-0-45\" class=\"comp mntl-sc-block finance-sc-block-callout mntl-block\">\n<div id=\"mntl-sc-block_1-0-46\" class=\"comp theme-tip mntl-sc-block mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<div id=\"mntl-sc-block-callout-body_1-0-2\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p><span style=\"color: #000000;\"> </span></p>\n<p><span style=\"color: #000000;\">Learn to know the difference between the things you want and the things you need.</span></p>\n</div>\n</div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-47\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">10. Live Below Your Means</span></h2>\n<p id=\"mntl-sc-block_1-0-48\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Mastering a frugal lifestyle by having a mindset of living life to the fullest with less is not so hard. Indeed, many wealthy individuals developed a habit of living below their means before rising to affluence.</span></p>\n<div id=\"mntl-sc-block_1-0-49\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p id=\"mntl-sc-block_1-0-50\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">This isn’t a challenge to adopt a minimalist lifestyle or a call to action to head to the dumpster with things you’ve hoarded over the years. Making small adjustments by distinguishing between the things you need and the things you want is a financially helpful habit to put into practice.</span></p>\n<div id=\"mntl-sc-block_1-0-51\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-52\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">11. Get a Financial Advisor </span></h2>\n<p id=\"mntl-sc-block_1-0-53\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">Once you’ve gotten to a point where you’ve amassed a decent amount of wealth—be it liquid investments or tangible assets that aren’t as readily available to convert to cash—get a financial advisor to educate you and help make decisions.</span></p>\n<div id=\"mntl-sc-block_1-0-54\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-55\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">12. Take Care of Your Health</span></h2>\n<p id=\"mntl-sc-block_1-0-56\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">The principle of proper maintenance also applies to the body. Invest in good health with regular visits to doctors and dentists, and follow health advice about any problems you encounter. Many problems can be helped—or even prevented—with lifestyle changes such as more exercise and a healthier diet. Some companies have limited sick days, making it a notable loss of income once those days are used up. Obesity and ailments make insurance premiums skyrocket, and poor health may force earlier retirement with lower monthly income.</span></p>\n<div id=\"mntl-sc-block_1-0-57\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\"></div>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 id=\"mntl-sc-block_1-0-58\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">The Bottom Line</span></h2>\n<p id=\"mntl-sc-block_1-0-59\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"><span style=\"color: #000000;\">These 12 steps won’t solve all of your money problems, but they will help you develop healthy habits that can get you on the path to financial freedom—whatever that means for you.</span></p>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\"></p>\n<div id=\"mntl-block_2-0\" class=\"comp js-scads-inline-content mntl-block\"></div>\n</div>\n<div id=\"textnote-placeholder_1-0\" class=\"comp textnote-placeholder mntl-block\"></div>\n<div id=\"textnote_1-0\" class=\"comp textnote mntl-gpt-adunit gpt native \">\n<div id=\"textnote\" class=\"wrapper\"></div>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/articles/personal-finance/112015/these-10-habits-will-help-you-reach-financial-freedom.asp\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','These 12 Habits Will Help You Reach Financial Freedom','','inherit','closed','closed','','872-revision-v1','','','2020-11-19 19:30:19','2020-11-19 19:30:19','',872,'http://smartinsurance.tips/872-revision-v1/',0,'revision','',0),(881,1,'2020-11-19 21:32:23','2020-11-19 21:32:23','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<h1 class=\"post-title entry-title\" style=\"text-align: center;\"><strong>10 Tiny Pivots to Make Your Small Business More Effective</strong></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\"><img src=\"https://hbr.org/resources/images/article_assets/2020/11/Nov20_17_161657472_1235401769.jpg\" /></div>\n<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\"></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\">The 2020 Covid-19 pandemic has seeded the U.S. healthcare system with innovations across the care spectrum, largely focused on outpatient care delivery through virtual care tools. The Centers for Medicare and Medicaid Services reported over an 11,000% increase in virtual visits (i.e., video- or phone-based visits).  In our academic health system, Brigham Health in Boston, Massachusetts, we saw an overall increase in virtual visits from pre-Covid-19 to its peak in May of over 20,000% (roughly 80,000 virtual visits that month), offered by nearly all of our ambulatory providers, and representing roughly 70% of all outpatient care from a baseline of less than 1%.</span></p>\n<p><span style=\"color: #000000;\">After the May peak, health care facilities began to reopen for more routine care; in-person volume in our system slowly grew while virtual volume fell. While the current surge may reverse that pattern again, as of this writing virtual visits represent about 25% of overall outpatient care – and our clinicians, practices and colleagues across the country are asking common questions about what comes next: How much virtual care makes sense when we do return to a new normal state? What is the best approach to offering virtual care alongside in-person care?  How will we know whether virtual care is succeeding, and in particular that it is reaching all patients as safely and equitably as possible?</span></p>\n<p><span style=\"color: #000000;\">Before Covid-19 struck, few large health systems in the U.S. offered outpatient telehealth at high volume, and thus it wasn’t clear how much virtual care was appropriate or even possible for many medical specialties. Kaiser Permanente, among the largest users of telehealth in routine care, reported in 2014 that at least 40% of its outpatient care was performed via virtual modalities (including portals, phone and/or video visits, and apps) and then in 2016 that virtual had exceeded in-person outpatient care. These reports became an industry benchmark, though were seen by many as not generalizable given Kaiser’s unique economics as an integrated payer-provider (and thus partly incentivized to offer more unreimbursed, virtual care). Our experience with Covid-19 sheds significant light on this question in a more traditional fee-for-service system.</span></p>\n<p><span style=\"color: #000000;\">During the massive shift to virtual care earlier this year, most specialties in our organization found that at least half, and in many cases nearly all, of their care could be delivered virtually. A few specialties with large proportions of visits requiring in-person care continued to offer predominantly in-person visits.  Interestingly, our pre-Covid assessment of billing data to determine what proportion of visits would be appropriate for virtual care closely predicted our actual experience during the pandemic. While these data likely overestimates the ideal proportion of care that should be done virtually — both because the billing model does not account for instances when the physical exam was necessary for evaluation or treatment, and because the Covid pandemic induced an aggressive focus on limiting physical interactions and preserving hospital capacity — the data still suggest that, for many specialties, 50% virtual is likely a minimum and some may be able to safely offer a significantly higher portion in the future even as in-person volume grows.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n<h2><span style=\"color: #000000;\"><b>Principles and best practices</b></span></h2>\n<p><span style=\"color: #000000;\">Regardless of what proportion of outpatient care at the Brigham is delivered virtually after the pandemic subsides, it will surely represent a significant increase from our baseline, which is likely to be a generalizable trend for other national providers. As we transition to this new normal for healthcare delivery, how do we best continue virtual care alongside in-person care in the era of Covid-19? Based on our experience, we propose the following principles and best practices.</span></p>\n<p><span style=\"color: #000000;\">First, practices will need to develop criteria for triaging and scheduling patients for in-person or virtual visits. These criteria may be diagnosis- or symptom-based, or could rely on visit types (post-op, routine physical, etc.) and will likely vary across specialties depending on the clinical needs of patient populations. As “reopening” efforts are staggered and in some cases on hold as we confront a resurgence of Covid, and physical distancing requires that we minimize patients in waiting rooms and hospital common areas, in-person clinic schedules will likely remain under-filled for months to come.</span></p>\n<p><span style=\"color: #000000;\">In this environment, clinicians will need to offer a mix of in-person and virtual care from the same clinical session and space, and find new ways to work with practice staff to move patients into and out of visits smoothly. As in-person volume returns, this mixed model will be stressed by the tensions between in-person and virtual care operating under the same roof. We believe a cleaner approach is dedicated sessions of all in-person or all virtual care where the practice setting can be optimized. When offering virtual care, providers will need dedicated equipment, space, and focus to efficiently deliver virtually in a block of time. They can use smart devices (phones and tablets) for virtual visits but when necessary or as a backup, but we’ve found that clinicians have a better experience using webcams on desktop or laptop computers for larger video screen size and simultaneous, side-by-side use of the electronic health record (EHR-integrated video). These sessions can occur from any private, quiet space including home, so clinicians and practices will need to consider varying provider location in scheduling models.</span></p>\n<p><span style=\"color: #000000;\">Second, once technical functionality is established, virtual care needs to be optimized to meet other core provider and patient needs. One important function is interpreter service integration, for both phone and video visits. Another is a diversified technology toolbox including phone, EHR-integrated video, and video offered more seamlessly outside the EHR via simple tools like text messages linking to live videos, so that as many patients as possible can participate in virtual care and not just those who are English-speaking with ready access to broadband, connected devices and patient portals. This can help assure that disparities in care are not amplified by constraints on patients’ access to technology. For virtual care to be sustainable and to best meet patient needs, the full care team must be involved. Medical assistants can virtually room patients and perform many of their routine pre-visit tasks. Schedulers can help patients book virtual visits and can be integrated into the post-visit workflow so that follow-up items are completed. Trainees including students, residents and fellows can be precepted virtually depending on their relevant educational and compliance needs. For each of these groups, we have developed and disseminated best practice documents to encourage standard workflows, just as we have for in-person care.</span></p>\n<p><span style=\"color: #000000;\">Third, key performance indicators should be designed to assess the effectiveness of virtual care models. Practices will need to understand what proportion of virtual care they are offering and how to quickly adjust it to absorb surges such as the one we’re experiencing now. As virtual visits can improve access and efficiency, monitoring relevant metrics such as the lag times between scheduling and visit date and visit length are important, as well as payment parity compared to office visits as state and federal governments work to ensure comparable payment for virtual care, in the face of some national insurers looking to decrease it.  As clinical experience with virtual care has been limited, it will be critical to monitor quality and safety data to identify potential gaps or problem areas.</span></p>\n<p><span style=\"color: #000000;\">Finally, we are paying careful attention patient experience of virtual care, in the same ways we do across all our patient populations. Our success will depend on reducing the digital divide as much as we can, and making sure that these visits are provided equitably, particularly to patients with social determinants that can limit access to care.</span></p>\n<p><span style=\"color: #000000;\">As we enter a new era of virtual healthcare spurred on by Covid-19, these models will be judged not by their dizzying initial growth, but by their ultimate clinical quality, patient experience, technical reliability, financial sustainability, and health equity. While we hope that this recent digital transformation is a permanent one, hard work is needed to not lose ground, and that work begins now.</span></p>\n<p><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://hbr.org/2020/11/balancing-virtual-and-in-person-health-care\" style=\"font-size: 14px;\">click here</a><span style=\"color: #000000;\">.</span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','How to balance Virtual (Video & Phone based)  and In-Person Health Care','','inherit','closed','closed','','878-revision-v1','','','2020-11-19 21:32:23','2020-11-19 21:32:23','',878,'http://smartinsurance.tips/878-revision-v1/',0,'revision','',0),(888,1,'2020-11-19 21:53:42','2020-11-19 21:53:42','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>What Is the Easiest Credit Card to Get Approved For?</strong></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><img src=\"https://www.investopedia.com/thmb/BB5IoxN5ka8XgQXLv792KDh573o=/2121x1414/filters:fill(auto,1)/creditcardjacquesloicGettyImages-140359950-578ea7593df78c09e98149ae.jpg\" width=\"540\" height=\"360\" style=\"display: block; margin-left: auto; margin-right: auto;\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Credit cards are a convenient way to make purchases, pay bills, and book travel arrangements. As an added benefit, many credit cards offer cash back, points, or miles on your spending, which can save you money. A credit card can also help with establishing and building a good credit score. But what is the easiest credit card to get when you have a limited credit history or poor credit? Here\'s a closer look at which cards may be within reach.</span></p>\n<h2 id=\"mntl-sc-block_1-0-4\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Credit Card Approval Requirements</span></h2>\n<p id=\"mntl-sc-block_1-0-5\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Credit card issuers differ in terms of what it takes to be approved. But generally, these factors are considered when you apply for a card:</span></p>\n<div id=\"mntl-sc-block_1-0-6\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"c67d25360db647ff995a68a19120cf17\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_credit-card/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<ul id=\"mntl-sc-block_1-0-7\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your credit score</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your income</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your employment</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your monthly rent or mortgage payment</span></li>\n</ul>\n<div id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_5-0\" class=\"comp mntl-block\">\n<div id=\"billboard3-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard3-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed scads-ad-placed-slot-unloaded\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard3-dynamic_1-0\" class=\"comp billboard3-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard3\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf2\" data-priority=\"5\" data-sizes=\"[[300, 250], [300, 252], [3, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"ea877b45835f41acb203bef6720a8fc9\" data-auction-floor-value=\"20\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">These things give card issuers an idea of your ability and likelihood to pay back what you spend with a credit card. Credit card companies can also perform a hard inquiry of your credit report to learn more about your credit history. That can trim a few points off your credit score.</span></p>\n<div id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block finance-sc-block-callout mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-sc-block_1-0-12\" class=\"comp theme-note mntl-sc-block mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-1\" class=\"comp with-title mntl-sc-block-callout-heading mntl-text-block\"><span style=\"color: #000000;\">Note</span></h3>\n<div id=\"mntl-sc-block-callout-body_1-0-1\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p><span style=\"color: #000000;\">Checking your own credit reports before applying for a credit card won\'t affect your credit score. </span></p>\n</div>\n</div>\n</div>\n<h2 id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Credit Card to Be Approved For?</span></h2>\n<p id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">The easiest credit card to get is different for everyone since it will depend on your credit score and the other factors listed above. The credit cards that are available to you may also depend on whether:</span></p>\n<div id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_7-0\" class=\"comp mntl-block\">\n<div id=\"billboard4-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard4-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard4-dynamic_2-0\" class=\"comp billboard4-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard4\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf3\" data-priority=\"6\" data-sizes=\"[[300, 250], [300, 253], [300, 600], [4, 1], [200, 200], [180, 150], [200, 200], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"8b7b15b87eff45e48530fe4bff0d4224\" data-auction-floor-value=\"20\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_credit-card/billboard4_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<ul id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\">You\'re a student</span></li>\n<li><span style=\"color: #000000;\">You have no credit or a thin credit file</span></li>\n<li><span style=\"color: #000000;\">You have bad or poor credit</span></li>\n</ul>\n<div id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_8-0\" class=\"comp mntl-block\">\n<div id=\"billboard5-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard5-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed scads-ad-placed-slot-unloaded\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard5-dynamic_2-0\" class=\"comp js-billboard-lazy billboard5-dynamic billboard-lazy mntl-lazy-ad mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard5\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf4\" data-priority=\"7\" data-sizes=\"[[300, 250], [300, 254], [200, 200], [180, 150], [200, 200], [6, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"4aa6206a45674d60bb69d6b5b4fe5ca1\" data-auction-floor-value=\"15\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">If any of those apply to you, there are some specialized types of credit cards that will be easier to get than others. They include student credit cards, starter credit cards, and secured credit cards. </span></p>\n<div id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\" style=\"color: #000000;\">Student credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Student credit cards are designed for college students who are just beginning to establish their credit history. These cards can offer rewards, and if they do, they\'re typically geared toward purchases students spend the most money on, such as dining out or gas. </span></p>\n<div id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">A student credit card can be easier to get than a regular one if you have no credit history at all or a limited one. The federal CARD Act requires you to be at least 21 to get a student credit card in your name, although you can apply as young as 18 if you have sufficient income or a cosigner who is at least 21.<span class=\"mntl-inline-citation mntl-dynamic-tooltip--trigger\" data-id=\"#citation-2\" data-tooltip-position-x=\"center\" data-tooltip-position-y=\"top\">2</span></span></p>\n<div id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\" style=\"color: #000000;\">Starter credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Starter credit cards are also designed for people who are just starting out with credit but who aren\'t necessarily students. These types of cards are more likely to charge annual fees and carry a higher annual percentage rate (APR). </span></p>\n<div id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\" style=\"color: #000000;\">Secured credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-29\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Secured credit cards work just like unsecured credit cards except that they require a cash deposit to open. This deposit typically doubles as your credit limit. The difference is that a standard secured credit card will usually require a hard check of your credit to get approved. Once you have had a secured card for a period of time, and demonstrated that you use credit responsibly, you may be eligible to graduate to a regular, unsecured card.</span></p>\n<h2 id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Credit Card to Get With No Credit or Thin Credit?</span></h2>\n<p id=\"mntl-sc-block_1-0-34\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Having no credit means you don\'t have any credit history at all. A thin credit file means you have some credit history, but it\'s not enough to generate a credit score. In either case, you could be \"invisible\" to credit card companies when trying to apply for new credit.</span></p>\n<div id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-36\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">In that case, the easiest credit card to get may be a starter card or secured credit card. Examples of cards you might qualify for include:</span></p>\n<div id=\"mntl-sc-block_1-0-37\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\"><strong>OpenSky Secured Visa: </strong>The OpenSky Secured Visa is a no credit check card that\'s also a secured credit card. You can set your credit limit by making a cash deposit of $200 to $3,000, and your account activity will be reported to all of the three major credit bureaus.</span></li>\n<li><span style=\"color: #000000;\"><strong>First Progress Platinum Elite Secured Mastercard: </strong>The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.</span></li>\n<li><span style=\"color: #000000;\"><strong>Deserve EDU Mastercard for Students: </strong>The Deserve EDU Mastercard for Students doesn\'t require a Social Security number to apply, so it could be good for international students.</span></li>\n</ul>\n<div id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h2 id=\"mntl-sc-block_1-0-40\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Credit Card to Get With Fair Credit?</span></h2>\n<p id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">If you have fair credit, rather than no credit or bad credit, then you might have a different range of credit card options to choose from. Fair credit on the FICO credit scoring scale generally means a score between 580 and 669.</span></p>\n<div id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-43\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Here are some of the easiest credit cards to get with fair credit:</span></p>\n<div id=\"mntl-sc-block_1-0-44\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-45\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\"><strong>Capital One Platinum Mastercard: </strong>The Capital One Platinum Mastercard is geared toward people with fair credit who are interested in improving their credit. This card has a $0 annual fee and includes access to CreditWise credit monitoring.</span></li>\n<li><span style=\"color: #000000;\"><strong>Discover it Secured Card: </strong>The Discover it Secured Card can help with building or rebuilding credit. A security deposit is required, but it\'s refundable. This card also has a cash back rewards program.</span></li>\n<li><span style=\"color: #000000;\"><strong>Credit One Platinum Rewards Visa: </strong>The Credit One Platinum Rewards Visa is designed for people with fair credit who are interested in earning rewards on purchases. Keep in mind this card does have an annual fee and a higher APR, which could make carrying a balance expensive.</span></li>\n</ul>\n<h2 id=\"mntl-sc-block_1-0-49\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Unsecured Credit Card to Get Approved For?</span></h2>\n<p id=\"mntl-sc-block_1-0-50\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Unsecured credit cards require no cash deposit to open. It\'s possible to get some unsecured cards if your credit is in the fair, or even bad, range. </span></p>\n<div id=\"mntl-sc-block_1-0-51\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-52\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">If you have poor credit or no credit, consider these unsecured card options:</span></p>\n<div id=\"mntl-sc-block_1-0-53\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-54\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Credit One Bank Platinum Visa: </strong>The Credit One Bank Platinum Visa offers cash back with no security deposit required. This card does have an annual fee, however.</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Total Visa: </strong>The Total Visa is an unsecured credit card designed for people who don\'t have perfect credit. The card reports to all three credit bureaus, which can help in building a better credit history. Note that there\'s an initial program fee for opening an account.</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Petal 2 Visa: </strong>The Petal 2 Visa is a cash back rewards card that offers higher credit limits with no fees. There\'s no deposit required at sign-up, and you can use the card to build or rebuild credit. </span></li>\n</ul>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/what-is-the-easiest-credit-card-to-get-approved-for-5077189\">click here</a><span style=\"color: #000000;\">.</span><br /><span style=\"color: #000000;\"></span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','What Is the Easiest Credit Card to Get Approved For?','','publish','closed','closed','','what-is-the-easiest-credit-card-to-get-approved-for','','','2020-11-24 16:56:49','2020-11-24 16:56:49','',0,'http://smartinsurance.tips/?page_id=888',0,'page','',0),(889,1,'2020-11-19 21:53:42','2020-11-19 21:53:42','<!-- wp:divi/placeholder /-->','What Is the Easiest Credit Card to Get Approved For?','','inherit','closed','closed','','888-revision-v1','','','2020-11-19 21:53:42','2020-11-19 21:53:42','',888,'http://smartinsurance.tips/888-revision-v1/',0,'revision','',0),(887,1,'2020-11-19 21:52:53','2020-11-19 21:52:53','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"ArticleHeader-headline\" style=\"text-align: center;\"><strong>Here’s a decade-by-decade guide to retirement planning</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p><img src=\"https://image.cnbcfm.com/api/v1/image/106762046-1603738548830-PF_Guide_Age_Based_20s.png?v=1604079161&amp;w=678&amp;h=381\" alt=\"An illustration of a person in his 20′s holding a phone that displays her spending breakdown, including savings, college, shopping, and friends.\" style=\"text-align: justify;\" /></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000; font-size: 26px;\">Introduction</span></p>\n<div class=\"group\">\n<p><span style=\"color: #000000;\">Saving for retirement is the gnarliest of delayed gratification challenges. Tucking money away today in retirement accounts with the intention you won’t touch it for decades is not a habit that most brains are hard-wired to embrace.</span></p>\n<p><span style=\"color: #000000;\">But save we must.</span></p>\n<p><span style=\"color: #000000;\">For most people, Social Security benefits won’t cover all the bills in retirement. To land in retirement in solid financial shape, you also want to build your own savings in 401(k) plans and individual retirement accounts.</span></p>\n<p><span style=\"color: #000000;\">It’s never too early to get started. (Hint: compound growth is your best investing friend.) Nor is it ever too late to make progress. (Another hint: Worried you won’t have enough retirement income? Consider ways to reduce your spending needs in retirement.)</span></p>\n<p><span style=\"color: #000000;\">Like any big goal, breaking it down into manageable bite-size pieces keeps the task from veering into overwhelming. Focusing on a few key moves in each decade will set you up for a successful retirement.</span></p>\n<p><span style=\"color: #000000;\">Yes, you’ve got a lot of competing goals and, yes, retirement is a long way off. Understood. But the powerful math of compound growth means this is the decade where what you manage to save can exploit compound growth to its fullest.</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n<div class=\"group\" id=\"in-your-20s-cash-in-on-compound-growth\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 20s: Cash in on compound growth</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-6\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about 1x your salary</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Aim to save 10% of your gross salary pronto.</strong> That’s a minimum; crank it up to 15% and you’re giving yourself a serious leg up. If you wait another decade to get rolling, you’ll need to save at least 20%.</span></li>\n<li><span style=\"color: #000000;\"><strong>Focus on Roth options.</strong> Retirement accounts come in two flavors: traditional and Roth. The big difference is when you pay tax. At this life stage, when you’ve yet to hit peak earnings, saving in a Roth can be smart.</span></li>\n</ul>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Got a workplace plan? Check what your employer chose for you. </strong>If your employer auto-enrolled you into a retirement plan such as a 401(k) or 403(b), chances are your contribution rate was set way too low. Some plans start you at a rate that doesn’t even enable you to pocket the matching maximum contribution most plans offer. And most plans choose an initial contribution rate that even with the maximum match won’t get you near your 10% target. No worries. You can easily change your contribution rate. Ping HR.</span></li>\n<li><span style=\"color: #000000;\"><strong>No workplace plan?</strong> <strong>Get rolling with an IRA.</strong> If you’re self-employed, or a contract worker, you can set up an IRA account at any discount brokerage. If you qualify for a Roth IRA, your maximum contribution in 2020 is $6,000. Able to save more? Check out a SEP-IRA; it allows self-employed workers to save more for retirement. Alas, SEPs only are traditional. There’s no Roth option with a SEP.</span></li>\n<li><span style=\"color: #000000;\"><strong>Check out a target date fund.</strong> If you’re flummoxed by all the investment choices, a TDF can handle the work for you. A TDF automatically chooses a mix of stocks and bonds deemed appropriate based on how long you’ve got until you expect to retire.</span></li>\n</ul>\n<div class=\"group\" id=\"in-your-30s-stay-or-get-focused\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 30s: Stay (or get) focused</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-13\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about<em> 3x your salary</em></span></p>\n<p><span style=\"color: #000000;\"><em></em></span></p>\n</div>\n</div>\n<ul>\n<li><span style=\"color: #000000;\"><strong>If you’re just getting started, aim to save at least 15% of your gross salary</strong>; <strong>20% is even better. </strong>You don’t have time for baby steps at this point. If you can’t imagine immediately revving from zero to at least 15%, that’s a sign it’s time to — deep breath — commit to budgeting to find the cash to save.</span></li>\n</ul>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Hands off what you have already saved for retirement. </strong>If you contributed to a workplace retirement plan in your 20s, don’t blow it by cashing out when you job hop. An unfortunate feature of workplace plans is that when you leave a job, one of your options is to cash out your retirement account. To be blunt: That’s a crazy-bad move. There may be taxes, and there definitely will be a 10% early withdrawal penalty. Moreover, you’ve just robbed your future self of money you will need in retirement.</span></li>\n</ul>\n</div>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<div class=\"group\" id=\"in-your-40s-monitor-your-spending\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 40s: Monitor your spending</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-18\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about<em>4x your salary</em></span></p>\n</div>\n</div>\n<div class=\"group\">\n<p><span style=\"color: #000000;\"> </span></p>\n</div>\n<p><span style=\"color: #000000;\">The challenge in this decade is to not take on big-ticket spending that can make it hard to keep up with your retirement plan.</span></p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Get a ballpark of how you’re doing. </strong>After a decade (or, it’s hoped, two) of saving for retirement, it’s a good time to plug in what you’ve got saved up into an online calculator to get a rough estimate of what that might grow to by the time you’re ready to retire. If the numbers give you pause, you’ve got time to crank up the saving. Can’t see your way to do that? Keep reading.</span></li>\n<li><span style=\"color: #000000;\"><strong>Be on high alert for lifestyle creep.</strong> One of the challenges of moving into your prime earning years is the tendency to spend more as you make more. Lifestyle creep has upended many a well-intentioned retirement plan. These are the years where buying the less expensive cars, taking the restorative vacations that don’t break the bank and checking your tendency to always choose upgrades for whatever you’re buying are all conscious ways to spend less so you have more to save.</span><br /><span style=\"color: #000000;\">It’s also helpful to commit to a strategy for how much of every raise, bonus and one-off windfall, such as an inheritance, you will plunk into your retirement savings accounts.</span></li>\n<li><span style=\"color: #000000;\"> <strong>Don’t back up the truck for college. </strong>This is a decidedly hard notion to consider, but insanely important. Ultimately what your kids really need from you is to be able to take care of yourself in retirement, so they don’t need to chip in, at a point in their lives when they are likely in the throes of raising their own family. Start the college planning early, and focus on schools where your kid has a good shot at aid that will keep your family’s net price manageable.</span></li>\n</ul>\n<div class=\"group\" id=\"in-your-50s-plan-your-retirement-income\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 50s: Plan your retirement income</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-22\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about <em>8x your salary</em></span></p>\n<p><span style=\"color: #000000;\"><em></em></span></p>\n</div>\n</div>\n<div class=\"group\">\n<p><span style=\"color: #000000;\">Saving as much as possible remains Job One. But now’s also the time to start getting a sense of how the pieces of your retirement income puzzle will fit together.</span></p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Estimate your retirement income. </strong>Online calculators will give you a ballpark of the income your retirement savings can generate over a 30-year retirement. (Yes, you should plan that long. More on this in the next decade). You’ll also be asked to plug in an estimate of your Social Security payout. You’re too close to retirement to spitball this.</span><br /><span style=\"color: #000000;\">Take a few minutes to log in to the Social Security Retirement Estimator to get estimates based on your earnings history. Scribble down what you might qualify for at your full retirement age (somewhere between 66 and 67) and if you wait until age 70. Plug those into the retirement calculator to see how it impacts your retirement income.</span></li>\n<li><span style=\"color: #000000;\"><strong>Put downsizing on the table. </strong>If the first pass at estimating your retirement savings caused some serious agita, convincing yourself you will just work longer can be dangerous magical thinking, especially when a recession hits. Downsizing sooner than later can transform your retirement outlook from nerve-wracking to flush.</span></li>\n<li><span style=\"color: #000000;\"><strong>Save even more. </strong>Once you turn 50, Uncle Sam allows you to save even more in 401(k) plans and IRAs. The catch-up contribution for 401(k) accounts is $6,000 per year. For IRAs, you can add another $1,000.</span></li>\n<li><span style=\"color: #000000;\"><strong>Get a pro’s input</strong>. Head spinning a bit? That’s understandable. Saving for retirement is the easy part. Figuring out how to live off your savings and optimize Social Security is anything but. There are plenty of certified financial planners who work on an hourly or project basis to help you sort through your retirement options and hatch a plan.</span></li>\n</ul>\n</div>\n<div class=\"group\" id=\"in-your-60s-focus-on-your-age-90-plus-future-self\" role=\"heading\" data-subtitle=\"true\" tabindex=\"0\">\n<h2 class=\"ArticleBody-guideSubtitle\"><span style=\"color: #000000;\">In your 60s: Focus on your age 90-plus future self</span></h2>\n</div>\n<div class=\"group InfoPanel-container\" id=\"GuideArticle-InfoPanel-26\" data-test=\"InfoPanel\" data-analytics=\"GuideArticle-InfoPanel\">\n<div class=\"InfoPanel-header\"><span style=\"color: #000000;\">Retirement savings goal by the end of this decade:</span></div>\n<div class=\"InfoPanel-content\">\n<p><span style=\"color: #000000;\">You should aim to save about <em>10x your salary</em></span></p>\n</div>\n</div>\n<div class=\"group\">\n<p><span style=\"color: #000000;\">You’ve rounded the bend, with retirement in your sights. The big win this decade is to assume that you will live until 95.</span></p>\n<p><span style=\"color: #000000;\"> </span></p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Plan on a 30-year retirement. </strong>Tune out the life expectancy numbers that make it into the news from time to time. That’s the average from birth. What matters now is your life expectancy from where you’re at today. Make it into your 60s and there’s a good chance you will still be alive in your 90s. The Society of Actuaries’ Longevity Illustrator may be the most important retirement planning tool at this life stage. Take a spin through the free tool to get a sense of how long you may need your retirement income plan to last.</span></li>\n<li><span style=\"color: #000000;\"><strong>Respect inflation. </strong>With a potential 30-plus year retirement runway, you likely will want to keep some of your investment portfolio invested in stocks, which historically provide the best inflation-beating gains. Even at a low 1.5% annual inflation rate, what costs you $1,000 today will cost nearly $1,350 in 20 years and more than $1,550 in 30 years.</span></li>\n<li><span style=\"color: #000000;\"><strong>Wait until age 70 to start collecting Social Security</strong>. The best investment move you can make in your 60s is to plan to delay taking Social Security. You can start as early as age 62, but you will get 25% to 30% less than if you wait until your FRA, when you are entitled to 100% of your earned benefit. Manage to delay past your FRA and your benefit will increased a guaranteed 8% each year until you reach 70.</span><br /><span style=\"color: #000000;\">Might you earn more if you took the payout earlier and invested in stocks? Perhaps. But you could also lose plenty, too. The higher payout from delaying when you start Social Security is guaranteed. For couples in good health, the strategy should be for the highest earner to delay until 70. It is less important when the other spouse claims.</span></li>\n<li><span style=\"color: #000000;\"><strong>Consider covering essential spending from guaranteed sources of income. </strong>If your Social Security benefit won’t cover all your fixed expenses (and you don’t have a pension), a single premium income annuity can close the gap and make it easier to sleep at night, knowing you’ve got what you need regardless of what is going on in the markets.</span></li>\n</ul>\n</div>\n<p><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.cnbc.com/guide/retirement-planning-decade-by-decade/#in-your-60s-focus-on-your-age-90-plus-future-self\">click here<span style=\"color: #000000;\">.</span></a></span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Here’s a decade-by-decade guide to retirement planning','','inherit','closed','closed','','882-revision-v1','','','2020-11-19 21:52:53','2020-11-19 21:52:53','',882,'http://smartinsurance.tips/882-revision-v1/',0,'revision','',0),(893,1,'2020-11-19 22:23:38','2020-11-19 22:23:38','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"post-title entry-title\" style=\"text-align: center;\"><strong>Protect Your Files: 3 Simple Tips for Small Businesses</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\">\n<p style=\"text-align: justify;\"><span><img src=\"https://smallbiztrends.com/wp-content/uploads/2020/10/Protect-Your-Files.png\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">File protection has become a top priority for small companies. While most newsworthy stories centre on data breaches at big companies like Adobe, eBay, and LinkedIn, smaller organizations are definitely not immune to the activities of cyber criminals. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">In fact, hackers often target small and medium-sized businesses. They represent easy targets that often have low levels of cybersecurity and lax safety mechanisms in place. Confidential client data-sets stored by SMBs can be valuable assets that command high prices on the black market. </span></p>\n<hr class=\"clear\" />\n<div class=\"content-ad-wrap\" style=\"text-align: justify;\"><span id=\"ezoic-pub-ad-placeholder-115\" style=\"color: #000000;\"></span></div>\n<hr class=\"clear\" />\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">3 Tips for Small Business to Protect Files</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">By overlooking your file protection practices, you’re needlessly putting sensitive information about your company and your clients at risk. In this post, we’re going to look at three ways you can ensure that hackers don’t gain access to your data. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Use a Secure Cloud Storage Provider </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Secure cloud storage provides a basis for corporate data safety. A dedicated solution adds additional layers of protection to your documents and data compared to more mainstream alternatives.<span id=\"ezoic-pub-ad-placeholder-149\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The file security company pCloud, for example, which is one of the leading names in this space, offers a feature package which includes file encryption, secure transfer, staff permissions, multiple-step login, activity tracking for auditing purposes, email protection, and more. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">When selecting a provider, it’s important to pay close attention to the price. There can be significant disparities between costs, and it’s easy to tie yourself into a plan that is much more expensive than similar or better alternatives. Many providers charge hefty monthly fees so it’s worth looking around. Well-known brand Egnyte, for example, works on a competitively-priced monthly employee subscription. pCloud, which was mentioned above, offers competitive lifetime packages and the option to use servers based in either the US or Europe.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Many small businesses worry about the practical task of managing files using a system that is more difficult to access and requires time-intensive management. But this approach is usually unnecessary. It’s best to adopt a two-pronged system that leverages both “normal” and secure storage solutions. In this way, you can keep sensitive files protected while allowing for fast and efficient access to files that don’t contain sensitive data. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Opting for a good solution will also often mean that you are able to meet most, if not all, data-storage legal requirements in one fell swoop. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Fees for cloud storage can quickly add up. So make sure you do your research and don’t pay more than necessary. And always take advantage of any free trials that are on offer before taking the plunge. <span id=\"ezoic-pub-ad-placeholder-151\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Create an Employee Training Program </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Having a robust tech stack is pointless if your employees don’t know how to use it correctly. A number of large data breaches have resulted from the actions of absent-minded employees, and numerous studies show that members of staff pose the biggest cybersecurity risk to both large and small companies.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Regular training programs will ensure that staff are familiar with all internal safety-related processes and know how to use software, particularly your company’s cloud storage, in a way that minimizes risk. It’s worth considering appointing a security officer or, for smaller businesses, outsourcing the task to a specialist training company. Many software providers also offer their own training packages for new users.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Most security-related apps also come with auditing tools, and thus allow you to monitor employee interactions with sensitive data. Performing regular audits will mean that you are more likely to notice and remedy risky behaviors before they cause a serious problem. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Protect Data With Backups, Antivirus Software, and a Secure Password Manager</span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While most small companies use some form of antivirus software, most aren’t taking full advantage of all the features on offer. It’s essential, for instance, to run scans consistently, perform system “cleans”, and ensure company-wide use of browser protection tools. You should also ensure that antivirus software is updated regularly to protection against new threats. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Regularly backing up your data will also guarantee that important client information can’t be permanently lost due to malware, natural accidents, or employee errors. Many cloud storage providers will perform backups of your data, so this is something to consider when picking a provider. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">It’s also good practice to use a password generator and manager.  All members of staff should use unique, secure passwords to access company apps to prevent the possibility of a data breach. And under no circumstances should employees use personal or “multi-use” passwords.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Business versions of password management apps like LastPass and Keeper are inexpensive and can be used by your team to generate and store complex passwords that carry virtually no risk of being breached. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Conclusion </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While building secure processes and tech infrastructure in your company may require a little up-front investment, in the long-term it represents by far one of the best possible uses of resources. The ramifications of a data breach, in terms of costs, legal issues, and public relations to restore customer faith, are barely worth thinking about.<span id=\"ezoic-pub-ad-placeholder-146\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Spend some time implementing the tips in this article. When you see headlines proclaiming the next big data breach plastered all over the front pages, you’ll be glad you did.</span></p>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/10/protect-your-files-3-tips-small-businesses.html\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Protect Your Files: 3 Simple Tips for Small Businesses','','publish','closed','closed','','protect-your-files-3-simple-tips-for-small-businesses','','','2020-11-19 22:36:04','2020-11-19 22:36:04','',0,'http://smartinsurance.tips/?page_id=893',0,'page','',0),(894,1,'2020-11-19 22:23:38','2020-11-19 22:23:38','<!-- wp:divi/placeholder /-->','Protect Your Files: 3 Simple Tips for Small Businesses','','inherit','closed','closed','','893-revision-v1','','','2020-11-19 22:23:38','2020-11-19 22:23:38','',893,'http://smartinsurance.tips/893-revision-v1/',0,'revision','',0),(903,1,'2020-11-19 22:42:48','2020-11-19 22:42:48','','Untitled_Clipping_112020_064245_AM','','inherit','open','closed','','untitled_clipping_112020_064245_am','','','2020-11-19 22:42:48','2020-11-19 22:42:48','',900,'http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_064245_AM.jpg',0,'attachment','image/jpeg',0),(905,1,'2020-11-19 22:47:38','2020-11-19 22:47:38','<!-- wp:divi/placeholder -->\n[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"polaris__heading polaris__heading--title\" style=\"text-align: center;\"><strong>What is Umbrella Insurance and Do I Need It?</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_064245_AM.jpg\" width=\"845\" height=\"475\" alt=\"\" class=\"wp-image-903 aligncenter size-full\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px; text-align: justify; color: #000000;\">Homeowners insurance, car insurance, health insurance, life and disability insurance … if you already have all these policies in place as part of a strategic protection plan for yourself and your assets, you might find it hard to believe that there could possibly be yet <em>another</em> type of insurance that you need.</span></p>\n<div class=\"polaris__simple-grid--main\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\">But the reality is, the more complex your financial situation gets — and the more your net worth grows — the more pressing it becomes to consider umbrella insurance on top of your current policies.</span></p>\n<p><span style=\"color: #000000;\">Here’s why (and when) you should think about an umbrella insurance policy, and what you need to know before applying for coverage.</span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">What Is Umbrella Insurance?</span></h2>\n<p><span style=\"color: #000000;\">Umbrella insurance (also known as excess liability insurance) is a type of coverage designed to cover potential gaps left by other insurance policies you may already have in place. If you needed to pay for expenses relating to claims that exceeded the coverage provided by existing insurance, umbrella insurance could help cover those costs.</span></p>\n<p><span style=\"color: #000000;\">A good way to think about umbrella insurance is as an extra layer of protection in order to help you avoid financial hardship should a major accident or unexpected event happen. It’s like a fail-safe to completely protect your personal savings and assets.</span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">What Umbrella Insurance Covers and How It Works</span></h2>\n<p><span style=\"color: #000000;\">If you’re sued for damages that exceed the liability limits of your car insurance, homeowners insurance or other coverages, an umbrella policy would step in to help you pay what you owe.</span></p>\n</div>\n<div class=\"polaris__simple-grid--full\" style=\"text-align: justify;\">\n<div class=\"polaris__ad -full-width -empty-ad-slot\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-desktop-inline-12\"></div>\n</div>\n</div>\n</div>\n<div class=\"polaris__simple-grid--main\">\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While this might sound like something that would never happen, it’s more common than you might think. We can take a look at a real-life example to see how an umbrella insurance policy works to protect you in the case of an unforeseen circumstance.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">You might have heard of Georgia’s infamous 2014 Snowmageddon event, where forecasts that called for unusually significant snowfall midweek were largely ignored. When snow began to fall fast and thick around lunchtime, there was a mass exodus of folks trying to commute home from work and school. Combine Atlanta’s existing traffic and congestion problems with untreated roads, bad winter weather and residents with no experience navigating such conditions, and it quickly turned chaotic on the roads.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Now, imagine you were one of those drivers that day. As you tried to get home, your car spun out of control on a snowy hill. You totaled the car next to you — and even worse, several people were badly injured.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The totaled car cost $80,000 to replace. Treatment of injuries cost a combined $800,000. In this situation, you’d be responsible for $880,000 in damages … and you carry $300,000 in liability coverage through your car insurance.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The remaining $580,000 would have to come out of your pocket. That’s a major hit — and a good reason to think carefully about purchasing umbrella coverage, which in this case would have stepped in and paid what your car insurance did not cover.</span></p>\n<h2 class=\"polaris__heading\" style=\"text-align: justify;\"><span style=\"color: #000000;\">How Much Umbrella Insurance Costs</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Coverage limits on umbrella policies typically start at $1 million, and in most cases, go as high as $5 million. Basic policies at the lower end of that coverage range can cost between $150 to $300 per year.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Keep in mind that your umbrella insurance may only cover a claim <em>if</em> you maintain the minimum coverage amounts required by your other insurance companies (for things like home and auto). If the umbrella insurance provider feels you are not maintaining appropriate levels of insurance on your other policies, they may not extend a policy offer to you. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">This rule protects the insurance carrier from individuals who are trying to carry minimum state liability coverages (to drive down their auto and home policy premiums) and supplement those coverages with the extremely low cost of an umbrella policy.</span></p>\n<h2 class=\"polaris__heading\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Who Needs Umbrella Insurance Coverage, and How Much Is Enough</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Umbrella insurance is an optional insurance policy, not required by most state laws. Even so, there are specific reasons you might want to seriously consider obtaining umbrella coverage:</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>1. You have significant savings or assets to safeguard.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Protecting your assets is just as important as growing them, especially when umbrella insurance costs relatively little to carry.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>2. Visitors could injure themselves on property you own.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Do you own, rent or borrow things that can lead to injury? If you have a pool, tree house, ATV, trampoline or dog, you could be liable for major expenses if somebody gets hurt on your property.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>3. You’re responsible for others — and thus at risk of being sued.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you’re a landlord, a kids’ sports coach or someone who serves on the board of a nonprofit, your responsibilities might put you in a vulnerable position. Umbrella coverage can help offset any major expenses you might incur through this work.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>4. You walk on the wild side or travel abroad.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Do you participate in sports where you can easily injure others, such as skiing, surfing, hunting or — my personal favorite — mixed martial arts? If you were to accidentally cause someone else injury and they sued, umbrella insurance would likely cover you. Your policy can also protect against liability claims against you while traveling outside of the United States.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>5. You’re kind of a big deal.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you need to protect yourself from defamation lawsuits, like libel and slander, consider umbrella coverage. Those proceedings can get costly quickly.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Once you know you need a policy, determining the right amount is fairly simple: Subtract your respective liability coverage limit from all assets at risk, including home equity, personal property, investments and savings.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">A negative result indicates a gap in coverage, which umbrella insurance can help fill. And finding funds to pay for the policy can be simple, too. Consider increasing the annual deductibles on your auto and home policies from $500 and $1,000 to something more in line with the $1,500 to $2,500 range (ensure you have adequate cash reserves). This change should help reduce the cost of monthly premiums and give you the cash flow savings needed to afford this new policy without any additional outlay.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></p>\n</div>\n<p style=\"text-align: left;\"><span style=\"font-size: 14px; text-align: justify; color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\" style=\"font-size: 14px; text-align: justify;\">click here</a><span style=\"font-size: 14px; text-align: justify; color: #000000;\">.</span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]\n<!-- /wp:divi/placeholder -->','What is Umbrella Insurance and Do I Need It?','','inherit','closed','closed','','900-revision-v1','','','2020-11-19 22:47:38','2020-11-19 22:47:38','',900,'http://smartinsurance.tips/900-revision-v1/',0,'revision','',0),(896,1,'2020-11-19 22:35:18','2020-11-19 22:35:18','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"post-title entry-title\" style=\"text-align: center;\"><strong>Protect Your Files: 3 Simple Tips for Small Businesses</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\">\n<p style=\"text-align: justify;\"><span><img src=\"https://smallbiztrends.com/wp-content/uploads/2020/10/Protect-Your-Files.png\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">File protection has become a top priority for small companies. While most newsworthy stories centre on data breaches at big companies like Adobe, eBay, and LinkedIn, smaller organizations are definitely not immune to the activities of cyber criminals. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">In fact, hackers often target small and medium-sized businesses. They represent easy targets that often have low levels of cybersecurity and lax safety mechanisms in place. Confidential client data-sets stored by SMBs can be valuable assets that command high prices on the black market. </span></p>\n<hr class=\"clear\" />\n<div class=\"content-ad-wrap\" style=\"text-align: justify;\"><span id=\"ezoic-pub-ad-placeholder-115\" style=\"color: #000000;\"></span></div>\n<hr class=\"clear\" />\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">3 Tips for Small Business to Protect Files</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">By overlooking your file protection practices, you’re needlessly putting sensitive information about your company and your clients at risk. In this post, we’re going to look at three ways you can ensure that hackers don’t gain access to your data. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Use a Secure Cloud Storage Provider </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Secure cloud storage provides a basis for corporate data safety. A dedicated solution adds additional layers of protection to your documents and data compared to more mainstream alternatives.<span id=\"ezoic-pub-ad-placeholder-149\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The file security company pCloud, for example, which is one of the leading names in this space, offers a feature package which includes file encryption, secure transfer, staff permissions, multiple-step login, activity tracking for auditing purposes, email protection, and more. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">When selecting a provider, it’s important to pay close attention to the price. There can be significant disparities between costs, and it’s easy to tie yourself into a plan that is much more expensive than similar or better alternatives. Many providers charge hefty monthly fees so it’s worth looking around. Well-known brand Egnyte, for example, works on a competitively-priced monthly employee subscription. pCloud, which was mentioned above, offers competitive lifetime packages and the option to use servers based in either the US or Europe.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Many small businesses worry about the practical task of managing files using a system that is more difficult to access and requires time-intensive management. But this approach is usually unnecessary. It’s best to adopt a two-pronged system that leverages both “normal” and secure storage solutions. In this way, you can keep sensitive files protected while allowing for fast and efficient access to files that don’t contain sensitive data. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Opting for a good solution will also often mean that you are able to meet most, if not all, data-storage legal requirements in one fell swoop. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Fees for cloud storage can quickly add up. So make sure you do your research and don’t pay more than necessary. And always take advantage of any free trials that are on offer before taking the plunge. <span id=\"ezoic-pub-ad-placeholder-151\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Create an Employee Training Program </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Having a robust tech stack is pointless if your employees don’t know how to use it correctly. A number of large data breaches have resulted from the actions of absent-minded employees, and numerous studies show that members of staff pose the biggest cybersecurity risk to both large and small companies.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Regular training programs will ensure that staff are familiar with all internal safety-related processes and know how to use software, particularly your company’s cloud storage, in a way that minimizes risk. It’s worth considering appointing a security officer or, for smaller businesses, outsourcing the task to a specialist training company. Many software providers also offer their own training packages for new users.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Most security-related apps also come with auditing tools, and thus allow you to monitor employee interactions with sensitive data. Performing regular audits will mean that you are more likely to notice and remedy risky behaviors before they cause a serious problem. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Protect Data With Backups, Antivirus Software, and a Secure Password Manager</span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While most small companies use some form of antivirus software, most aren’t taking full advantage of all the features on offer. It’s essential, for instance, to run scans consistently, perform system “cleans”, and ensure company-wide use of browser protection tools. You should also ensure that antivirus software is updated regularly to protection against new threats. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Regularly backing up your data will also guarantee that important client information can’t be permanently lost due to malware, natural accidents, or employee errors. Many cloud storage providers will perform backups of your data, so this is something to consider when picking a provider. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">It’s also good practice to use a password generator and manager.  All members of staff should use unique, secure passwords to access company apps to prevent the possibility of a data breach. And under no circumstances should employees use personal or “multi-use” passwords.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Business versions of password management apps like LastPass and Keeper are inexpensive and can be used by your team to generate and store complex passwords that carry virtually no risk of being breached. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Conclusion </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While building secure processes and tech infrastructure in your company may require a little up-front investment, in the long-term it represents by far one of the best possible uses of resources. The ramifications of a data breach, in terms of costs, legal issues, and public relations to restore customer faith, are barely worth thinking about.<span id=\"ezoic-pub-ad-placeholder-146\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Spend some time implementing the tips in this article. When you see headlines proclaiming the next big data breach plastered all over the front pages, you’ll be glad you did.</span></p>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Protect Your Files: 3 Simple Tips for Small Businesses','','inherit','closed','closed','','893-revision-v1','','','2020-11-19 22:35:18','2020-11-19 22:35:18','',893,'http://smartinsurance.tips/893-revision-v1/',0,'revision','',0),(935,1,'2020-11-24 16:56:30','2020-11-24 16:56:30','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>What Is the Easiest Credit Card to Get Approved For?</strong></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><img src=\"https://www.investopedia.com/thmb/BB5IoxN5ka8XgQXLv792KDh573o=/2121x1414/filters:fill(auto,1)/creditcardjacquesloicGettyImages-140359950-578ea7593df78c09e98149ae.jpg\" width=\"540\" height=\"360\" style=\"display: block; margin-left: auto; margin-right: auto;\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Credit cards are a convenient way to make purchases, pay bills, and book travel arrangements. As an added benefit, many credit cards offer cash back, points, or miles on your spending, which can save you money. A credit card can also help with establishing and building a good credit score. But what is the easiest credit card to get when you have a limited credit history or poor credit? Here\'s a closer look at which cards may be within reach.</span></p>\n<h2 id=\"mntl-sc-block_1-0-4\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">Credit Card Approval Requirements</span></h2>\n<p id=\"mntl-sc-block_1-0-5\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Credit card issuers differ in terms of what it takes to be approved. But generally, these factors are considered when you apply for a card:</span></p>\n<div id=\"mntl-sc-block_1-0-6\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"c67d25360db647ff995a68a19120cf17\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_credit-card/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<ul id=\"mntl-sc-block_1-0-7\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your credit score</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your income</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your employment</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\">Your monthly rent or mortgage payment</span></li>\n</ul>\n<div id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_5-0\" class=\"comp mntl-block\">\n<div id=\"billboard3-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard3-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed scads-ad-placed-slot-unloaded\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard3-dynamic_1-0\" class=\"comp billboard3-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard3\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf2\" data-priority=\"5\" data-sizes=\"[[300, 250], [300, 252], [3, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"ea877b45835f41acb203bef6720a8fc9\" data-auction-floor-value=\"20\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">These things give card issuers an idea of your ability and likelihood to pay back what you spend with a credit card. Credit card companies can also perform a hard inquiry of your credit report to learn more about your credit history. That can trim a few points off your credit score.</span></p>\n<div id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block finance-sc-block-callout mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-sc-block_1-0-12\" class=\"comp theme-note mntl-sc-block mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-1\" class=\"comp with-title mntl-sc-block-callout-heading mntl-text-block\"><span style=\"color: #000000;\">Note</span></h3>\n<div id=\"mntl-sc-block-callout-body_1-0-1\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p><span style=\"color: #000000;\">Checking your own credit reports before applying for a credit card won\'t affect your credit score. </span></p>\n</div>\n</div>\n</div>\n<h2 id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Credit Card to Be Approved For?</span></h2>\n<p id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">The easiest credit card to get is different for everyone since it will depend on your credit score and the other factors listed above. The credit cards that are available to you may also depend on whether:</span></p>\n<div id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_7-0\" class=\"comp mntl-block\">\n<div id=\"billboard4-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard4-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard4-dynamic_2-0\" class=\"comp billboard4-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard4\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf3\" data-priority=\"6\" data-sizes=\"[[300, 250], [300, 253], [300, 600], [4, 1], [200, 200], [180, 150], [200, 200], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"8b7b15b87eff45e48530fe4bff0d4224\" data-auction-floor-value=\"20\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_credit-card/billboard4_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<ul id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\">You\'re a student</span></li>\n<li><span style=\"color: #000000;\">You have no credit or a thin credit file</span></li>\n<li><span style=\"color: #000000;\">You have bad or poor credit</span></li>\n</ul>\n<div id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_8-0\" class=\"comp mntl-block\">\n<div id=\"billboard5-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard5-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed scads-ad-placed-slot-unloaded\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard5-dynamic_2-0\" class=\"comp js-billboard-lazy billboard5-dynamic billboard-lazy mntl-lazy-ad mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard5\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf4\" data-priority=\"7\" data-sizes=\"[[300, 250], [300, 254], [200, 200], [180, 150], [200, 200], [6, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"4aa6206a45674d60bb69d6b5b4fe5ca1\" data-auction-floor-value=\"15\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">If any of those apply to you, there are some specialized types of credit cards that will be easier to get than others. They include student credit cards, starter credit cards, and secured credit cards. </span></p>\n<div id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\" style=\"color: #000000;\">Student credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Student credit cards are designed for college students who are just beginning to establish their credit history. These cards can offer rewards, and if they do, they\'re typically geared toward purchases students spend the most money on, such as dining out or gas. </span></p>\n<div id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">A student credit card can be easier to get than a regular one if you have no credit history at all or a limited one. The federal CARD Act requires you to be at least 21 to get a student credit card in your name, although you can apply as young as 18 if you have sufficient income or a cosigner who is at least 21.<span class=\"mntl-inline-citation mntl-dynamic-tooltip--trigger\" data-id=\"#citation-2\" data-tooltip-position-x=\"center\" data-tooltip-position-y=\"top\">2</span></span></p>\n<div id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\" style=\"color: #000000;\">Starter credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Starter credit cards are also designed for people who are just starting out with credit but who aren\'t necessarily students. These types of cards are more likely to charge annual fees and carry a higher annual percentage rate (APR). </span></p>\n<div id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\" style=\"color: #000000;\">Secured credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-29\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Secured credit cards work just like unsecured credit cards except that they require a cash deposit to open. This deposit typically doubles as your credit limit. The difference is that a standard secured credit card will usually require a hard check of your credit to get approved. Once you have had a secured card for a period of time, and demonstrated that you use credit responsibly, you may be eligible to graduate to a regular, unsecured card.</span></p>\n<h2 id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Credit Card to Get With No Credit or Thin Credit?</span></h2>\n<p id=\"mntl-sc-block_1-0-34\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Having no credit means you don\'t have any credit history at all. A thin credit file means you have some credit history, but it\'s not enough to generate a credit score. In either case, you could be \"invisible\" to credit card companies when trying to apply for new credit.</span></p>\n<div id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-36\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">In that case, the easiest credit card to get may be a starter card or secured credit card. Examples of cards you might qualify for include:</span></p>\n<div id=\"mntl-sc-block_1-0-37\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\"><strong>OpenSky Secured Visa: </strong>The OpenSky Secured Visa is a no credit check card that\'s also a secured credit card. You can set your credit limit by making a cash deposit of $200 to $3,000, and your account activity will be reported to all of the three major credit bureaus.</span></li>\n<li><span style=\"color: #000000;\"><strong>First Progress Platinum Elite Secured Mastercard: </strong>The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.</span></li>\n<li><span style=\"color: #000000;\"><strong>Deserve EDU Mastercard for Students: </strong>The Deserve EDU Mastercard for Students doesn\'t require a Social Security number to apply, so it could be good for international students.</span></li>\n</ul>\n<div id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h2 id=\"mntl-sc-block_1-0-40\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Credit Card to Get With Fair Credit?</span></h2>\n<p id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">If you have fair credit, rather than no credit or bad credit, then you might have a different range of credit card options to choose from. Fair credit on the FICO credit scoring scale generally means a score between 580 and 669.</span></p>\n<div id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-43\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Here are some of the easiest credit cards to get with fair credit:</span></p>\n<div id=\"mntl-sc-block_1-0-44\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-45\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\"><strong>Capital One Platinum Mastercard: </strong>The Capital One Platinum Mastercard is geared toward people with fair credit who are interested in improving their credit. This card has a $0 annual fee and includes access to CreditWise credit monitoring.</span></li>\n<li><span style=\"color: #000000;\"><strong>Discover it Secured Card: </strong>The Discover it Secured Card can help with building or rebuilding credit. A security deposit is required, but it\'s refundable. This card also has a cash back rewards program.</span></li>\n<li><span style=\"color: #000000;\"><strong>Credit One Platinum Rewards Visa: </strong>The Credit One Platinum Rewards Visa is designed for people with fair credit who are interested in earning rewards on purchases. Keep in mind this card does have an annual fee and a higher APR, which could make carrying a balance expensive.</span></li>\n</ul>\n<h2 id=\"mntl-sc-block_1-0-49\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\" style=\"color: #000000;\">What Is the Easiest Unsecured Credit Card to Get Approved For?</span></h2>\n<p id=\"mntl-sc-block_1-0-50\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Unsecured credit cards require no cash deposit to open. It\'s possible to get some unsecured cards if your credit is in the fair, or even bad, range. </span></p>\n<div id=\"mntl-sc-block_1-0-51\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-52\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\"><span style=\"color: #000000;\">If you have poor credit or no credit, consider these unsecured card options:</span></p>\n<div id=\"mntl-sc-block_1-0-53\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-54\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Credit One Bank Platinum Visa: </strong>The Credit One Bank Platinum Visa offers cash back with no security deposit required. This card does have an annual fee, however.</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Total Visa: </strong>The Total Visa is an unsecured credit card designed for people who don\'t have perfect credit. The card reports to all three credit bureaus, which can help in building a better credit history. Note that there\'s an initial program fee for opening an account.</span></li>\n<li style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Petal 2 Visa: </strong>The Petal 2 Visa is a cash back rewards card that offers higher credit limits with no fees. There\'s no deposit required at sign-up, and you can use the card to build or rebuild credit. </span></li>\n</ul>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/what-is-the-easiest-credit-card-to-get-approved-for-5077189\">click here</a><span style=\"color: #000000;\">.</span><br /><span style=\"color: #000000;\"></span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','What Is the Easiest Credit Card to Get Approved For?','','inherit','closed','closed','','888-revision-v1','','','2020-11-24 16:56:30','2020-11-24 16:56:30','',888,'http://smartinsurance.tips/888-revision-v1/',0,'revision','',0),(892,1,'2020-11-19 22:21:51','2020-11-19 22:21:51','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 id=\"article-heading_2-0\" class=\"comp article-heading mntl-text-block\" style=\"text-align: center;\"><strong>What Is the Easiest Credit Card to Get Approved For?</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><img src=\"https://www.investopedia.com/thmb/BB5IoxN5ka8XgQXLv792KDh573o=/2121x1414/filters:fill(auto,1)/creditcardjacquesloicGettyImages-140359950-578ea7593df78c09e98149ae.jpg\" width=\"540\" height=\"360\" style=\"display: block; margin-left: auto; margin-right: auto;\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><a href=\"https://www.investopedia.com/terms/c/creditcard.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">Credit cards</a><span> are a convenient way to make purchases, pay bills, and book travel arrangements. As an added benefit, many credit cards offer cash back, points, or miles on your spending, which can save you money. A credit card can also help with establishing and building a good </span><a href=\"https://www.investopedia.com/terms/c/credit_score.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"2\" rel=\"noopener noreferrer\">credit score</a><span>. But what is the easiest credit card to get when you have a limited credit history or poor credit? Here\'s a closer look at which cards may be within reach.</span></span></p>\n<h2 id=\"mntl-sc-block_1-0-4\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\">Credit Card Approval Requirements</span></h2>\n<p id=\"mntl-sc-block_1-0-5\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">Credit card issuers differ in terms of what it takes to be approved. But generally, these factors are considered when you apply for a card:</p>\n<div id=\"mntl-sc-block_1-0-6\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_4-0\" class=\"comp mntl-block\">\n<div id=\"billboard2-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard2-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard2-dynamic_1-0\" class=\"comp billboard2-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard2\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf1\" data-priority=\"3\" data-sizes=\"[[300, 250], [300, 600], [300, 601], [160, 600], [300, 251], [2, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"c67d25360db647ff995a68a19120cf17\" data-auction-floor-value=\"10\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_credit-card/billboard2_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<ul id=\"mntl-sc-block_1-0-7\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li style=\"text-align: justify;\">Your credit score</li>\n<li style=\"text-align: justify;\">Your income</li>\n<li style=\"text-align: justify;\">Your employment</li>\n<li style=\"text-align: justify;\">Your monthly rent or mortgage payment</li>\n</ul>\n<div id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_5-0\" class=\"comp mntl-block\">\n<div id=\"billboard3-sticky-dynamic_1-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard3-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed scads-ad-placed-slot-unloaded\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard3-dynamic_1-0\" class=\"comp billboard3-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard3\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf2\" data-priority=\"5\" data-sizes=\"[[300, 250], [300, 252], [3, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"ea877b45835f41acb203bef6720a8fc9\" data-auction-floor-value=\"20\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">These things give card issuers an idea of your ability and likelihood to pay back what you spend with a credit card. Credit card companies can also perform a<span> </span><a href=\"https://www.investopedia.com/terms/h/hard-inquiry.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">hard inquiry</a><span> </span>of your<span> </span><a href=\"https://www.investopedia.com/terms/c/creditreport.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"2\" rel=\"noopener noreferrer\">credit report</a><span> </span>to learn more about your credit history. That can trim a few points off your credit score.</p>\n<div id=\"mntl-sc-block_1-0-11\" class=\"comp mntl-sc-block finance-sc-block-callout mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-sc-block_1-0-12\" class=\"comp theme-note mntl-sc-block mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-1\" class=\"comp with-title mntl-sc-block-callout-heading mntl-text-block\">Note</h3>\n<div id=\"mntl-sc-block-callout-body_1-0-1\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p>Checking your own credit reports before applying for a credit card won\'t affect your credit score. </p>\n</div>\n</div>\n</div>\n<h2 id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\">What Is the Easiest Credit Card to Be Approved For?</span></h2>\n<p id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">The easiest credit card to get is different for everyone since it will depend on your credit score and the other factors listed above. The credit cards that are available to you may also depend on whether:</p>\n<div id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_7-0\" class=\"comp mntl-block\">\n<div id=\"billboard4-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard4-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard4-dynamic_2-0\" class=\"comp billboard4-dynamic mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard4\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf3\" data-priority=\"6\" data-sizes=\"[[300, 250], [300, 253], [300, 600], [4, 1], [200, 200], [180, 150], [200, 200], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"8b7b15b87eff45e48530fe4bff0d4224\" data-auction-floor-value=\"20\">\n<div id=\"google_ads_iframe_/479/investopedia/inv_credit-card/billboard4_0__container__\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<ul id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li>You\'re a student</li>\n<li>You have no credit or a<span> </span><a href=\"https://www.investopedia.com/terms/t/thin-file.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">thin credit file</a></li>\n<li>You have bad or poor credit</li>\n</ul>\n<div id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\">\n<div id=\"mntl-block_8-0\" class=\"comp mntl-block\">\n<div id=\"billboard5-sticky-dynamic_2-0\" class=\"comp scads-to-load right-rail__item billboard-sticky billboard5-sticky-dynamic billboard-sticky--sc scads-stick-in-parent scads-ad-placed scads-ad-placed-slot-unloaded\" data-height=\"600\">\n<div class=\"spacer\">\n<div id=\"billboard5-dynamic_2-0\" class=\"comp js-billboard-lazy billboard5-dynamic billboard-lazy mntl-lazy-ad mntl-gpt-dynamic-adunit mntl-gpt-adunit gpt billboard dynamic\">\n<div id=\"billboard5\" class=\"wrapper\" data-type=\"billboard\" data-pos=\"btf4\" data-priority=\"7\" data-sizes=\"[[300, 250], [300, 254], [200, 200], [180, 150], [200, 200], [6, 1], &quot;fluid&quot;]\" data-rtb=\"true\" data-targeting=\"{}\" data-auction-floor-id=\"4aa6206a45674d60bb69d6b5b4fe5ca1\" data-auction-floor-value=\"15\"></div>\n</div>\n</div>\n</div>\n</div>\n</div>\n<p id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">If any of those apply to you, there are some specialized types of credit cards that will be easier to get than others. They include student credit cards, starter credit cards, and<span> </span><a href=\"https://www.investopedia.com/terms/s/securedcard.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">secured credit cards</a>. </p>\n<div id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\">Student credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">Student credit cards are designed for college students who are just beginning to establish their credit history. These cards can offer rewards, and if they do, they\'re typically geared toward purchases students spend the most money on, such as dining out or gas. </p>\n<div id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">A student credit card can be easier to get than a regular one if you have no credit history at all or a limited one. The federal<span> </span><a href=\"https://www.investopedia.com/terms/c/credit-card-accountability-responsibility-and-disclosure-act-of-2009.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">CARD Act</a><span> </span>requires you to be at least 21 to get a student credit card in your name, although you can apply as young as 18 if you have sufficient income or a cosigner who is at least 21.<span class=\"mntl-inline-citation mntl-dynamic-tooltip--trigger\" data-id=\"#citation-2\" data-tooltip-position-x=\"center\" data-tooltip-position-y=\"top\"><span>2</span></span></p>\n<div id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\">Starter credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">Starter credit cards are also designed for people who are just starting out with credit but who aren\'t necessarily students. These types of cards are more likely to charge annual fees and carry a higher<span> </span><a href=\"https://www.investopedia.com/terms/a/apr.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">annual percentage rate (APR)</a>. </p>\n<div id=\"mntl-sc-block_1-0-27\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h3 id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-subheading__text\">Secured credit cards</span></h3>\n<p id=\"mntl-sc-block_1-0-29\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">Secured credit cards work just like unsecured credit cards except that they require a cash deposit to open. This deposit typically doubles as your credit limit. The difference is that a standard secured credit card will usually require a hard check of your credit to get approved. Once you have had a secured card for a period of time, and demonstrated that you use credit responsibly, you may be eligible to graduate to a regular, unsecured card.</p>\n<h2 id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\">What Is the Easiest Credit Card to Get With No Credit or Thin Credit?</span></h2>\n<p id=\"mntl-sc-block_1-0-34\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">Having no credit means you don\'t have any credit history at all. A thin credit file means you have some credit history, but it\'s not enough to generate a credit score. In either case, you could be \"invisible\" to credit card companies when trying to apply for new credit.</p>\n<div id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-36\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">In that case, the easiest credit card to get may be a starter card or secured credit card. Examples of cards you might qualify for include:</p>\n<div id=\"mntl-sc-block_1-0-37\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><strong><a href=\"https://www.investopedia.com/opensky-secured-visa-credit-card-review-5074704\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">OpenSky Secured Visa:</a><span> </span></strong>The OpenSky Secured Visa is a no credit check card that\'s also a secured credit card. You can set your credit limit by making a cash deposit of $200 to $3,000, and your account activity will be reported to all of the three major credit bureaus.</li>\n<li><strong><a href=\"https://www.firstprogress.com/\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"externalLink\" data-ordinal=\"2\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">First Progress Platinum Elite Secured Mastercard:</a><span> </span></strong>The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.</li>\n<li><strong><a href=\"https://www.investopedia.com/deserve-edu-mastercard-for-students-review-4799611\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"3\" rel=\"noopener noreferrer\">Deserve EDU Mastercard for Students:</a><span> </span></strong>The Deserve EDU Mastercard for Students doesn\'t require a Social Security number to apply, so it could be good for international students.</li>\n</ul>\n<div id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<h2 id=\"mntl-sc-block_1-0-40\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\">What Is the Easiest Credit Card to Get With Fair Credit?</span></h2>\n<p id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">If you have fair credit, rather than no credit or bad credit, then you might have a different range of credit card options to choose from. Fair credit on the<span> </span><a href=\"https://www.investopedia.com/terms/f/ficoscore.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">FICO credit scoring</a><span> </span>scale generally means a score between 580 and 669.</p>\n<div id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-43\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">Here are some of the easiest credit cards to get with fair credit:</p>\n<div id=\"mntl-sc-block_1-0-44\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-45\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<li><strong><a href=\"https://www.investopedia.com/platinum-credit-card-from-capital-one-review-4798873\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">Capital One Platinum Mastercard:</a><span> </span></strong>The Capital One Platinum Mastercard is geared toward people with fair credit who are interested in improving their credit. This card has a $0 annual fee and includes access to CreditWise credit monitoring.</li>\n<li><strong><a href=\"https://www.investopedia.com/discover-it-secured-credit-card-review-4795882\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"2\" rel=\"noopener noreferrer\">Discover it Secured Card:</a><span> </span></strong>The Discover it Secured Card can help with building or rebuilding credit. A security deposit is required, but it\'s refundable. This card also has a cash back rewards program.</li>\n<li><strong><a href=\"https://www.investopedia.com/credit-one-platinum-premier-visa-review-4844671\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"3\" rel=\"noopener noreferrer\">Credit One Platinum Rewards Visa:</a><span> </span></strong>The Credit One Platinum Rewards Visa is designed for people with fair credit who are interested in earning rewards on purchases. Keep in mind this card does have an annual fee and a higher APR, which could make carrying a balance expensive.</li>\n</ul>\n<h2 id=\"mntl-sc-block_1-0-49\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\" style=\"text-align: justify;\"><span class=\"mntl-sc-block-heading__text\">What Is the Easiest Unsecured Credit Card to Get Approved For?</span></h2>\n<p id=\"mntl-sc-block_1-0-50\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">Unsecured credit cards require no cash deposit to open. It\'s possible to get some unsecured cards if your credit is in the fair, or even bad, range. </p>\n<div id=\"mntl-sc-block_1-0-51\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<p id=\"mntl-sc-block_1-0-52\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">If you have poor credit or no credit, consider these unsecured card options:</p>\n<div id=\"mntl-sc-block_1-0-53\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\" style=\"text-align: justify;\"></div>\n<ul id=\"mntl-sc-block_1-0-54\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li style=\"text-align: justify;\"><strong><a href=\"https://www.investopedia.com/credit-one-platinum-visa-for-rebuilding-credit-review-4802375\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\" rel=\"noopener noreferrer\">Credit One Bank Platinum Visa:</a><span> </span></strong>The Credit One Bank Platinum Visa offers cash back with no security deposit required. This card does have an annual fee, however.</li>\n<li style=\"text-align: justify;\"><strong><a href=\"https://www.investopedia.com/total-visa-credit-card-review-5074740\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"2\" rel=\"noopener noreferrer\">Total Visa:</a><span> </span></strong>The Total Visa is an unsecured credit card designed for people who don\'t have perfect credit. The card reports to all three credit bureaus, which can help in building a better credit history. Note that there\'s an initial program fee for opening an account.</li>\n<li style=\"text-align: justify;\"><strong><a href=\"https://www.investopedia.com/petal-visa-card-review-4802421\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"3\" rel=\"noopener noreferrer\">Petal 2 Visa:</a><span> </span></strong>The Petal 2 Visa is a cash back rewards card that offers higher credit limits with no fees. There\'s no deposit required at sign-up, and you can use the card to build or rebuild credit. </li>\n</ul>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.investopedia.com/what-is-the-easiest-credit-card-to-get-approved-for-5077189\">click here</a><span style=\"color: #000000;\">.</span><br /><span style=\"color: #000000;\"></span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','What Is the Easiest Credit Card to Get Approved For?','','inherit','closed','closed','','888-revision-v1','','','2020-11-19 22:21:51','2020-11-19 22:21:51','',888,'http://smartinsurance.tips/888-revision-v1/',0,'revision','',0),(900,1,'2020-11-19 22:38:57','2020-11-19 22:38:57','<!-- wp:divi/placeholder -->\n[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"polaris__heading polaris__heading--title\" style=\"text-align: center;\"><strong>What is Umbrella Insurance and Do I Need It?</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_064245_AM.jpg\" width=\"845\" height=\"475\" alt=\"\" class=\"wp-image-903 aligncenter size-full\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px; text-align: justify; color: #000000;\">Homeowners insurance, car insurance, health insurance, life and disability insurance … if you already have all these policies in place as part of a strategic protection plan for yourself and your assets, you might find it hard to believe that there could possibly be yet <em>another</em> type of insurance that you need.</span></p>\n<div class=\"polaris__simple-grid--main\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\">But the reality is, the more complex your financial situation gets — and the more your net worth grows — the more pressing it becomes to consider umbrella insurance on top of your current policies.</span></p>\n<p><span style=\"color: #000000;\">Here’s why (and when) you should think about an umbrella insurance policy, and what you need to know before applying for coverage.</span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">What Is Umbrella Insurance?</span></h2>\n<p><span style=\"color: #000000;\">Umbrella insurance (also known as excess liability insurance) is a type of coverage designed to cover potential gaps left by other insurance policies you may already have in place. If you needed to pay for expenses relating to claims that exceeded the coverage provided by existing insurance, umbrella insurance could help cover those costs.</span></p>\n<p><span style=\"color: #000000;\">A good way to think about umbrella insurance is as an extra layer of protection in order to help you avoid financial hardship should a major accident or unexpected event happen. It’s like a fail-safe to completely protect your personal savings and assets.</span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">What Umbrella Insurance Covers and How It Works</span></h2>\n<p><span style=\"color: #000000;\">If you’re sued for damages that exceed the liability limits of your car insurance, homeowners insurance or other coverages, an umbrella policy would step in to help you pay what you owe.</span></p>\n</div>\n<div class=\"polaris__simple-grid--full\" style=\"text-align: justify;\">\n<div class=\"polaris__ad -full-width -empty-ad-slot\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-desktop-inline-12\"></div>\n</div>\n</div>\n</div>\n<div class=\"polaris__simple-grid--main\">\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While this might sound like something that would never happen, it’s more common than you might think. We can take a look at a real-life example to see how an umbrella insurance policy works to protect you in the case of an unforeseen circumstance.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">You might have heard of Georgia’s infamous 2014 Snowmageddon event, where forecasts that called for unusually significant snowfall midweek were largely ignored. When snow began to fall fast and thick around lunchtime, there was a mass exodus of folks trying to commute home from work and school. Combine Atlanta’s existing traffic and congestion problems with untreated roads, bad winter weather and residents with no experience navigating such conditions, and it quickly turned chaotic on the roads.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Now, imagine you were one of those drivers that day. As you tried to get home, your car spun out of control on a snowy hill. You totaled the car next to you — and even worse, several people were badly injured.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The totaled car cost $80,000 to replace. Treatment of injuries cost a combined $800,000. In this situation, you’d be responsible for $880,000 in damages … and you carry $300,000 in liability coverage through your car insurance.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The remaining $580,000 would have to come out of your pocket. That’s a major hit — and a good reason to think carefully about purchasing umbrella coverage, which in this case would have stepped in and paid what your car insurance did not cover.</span></p>\n<h2 class=\"polaris__heading\" style=\"text-align: justify;\"><span style=\"color: #000000;\">How Much Umbrella Insurance Costs</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Coverage limits on umbrella policies typically start at $1 million, and in most cases, go as high as $5 million. Basic policies at the lower end of that coverage range can cost between $150 to $300 per year.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Keep in mind that your umbrella insurance may only cover a claim <em>if</em> you maintain the minimum coverage amounts required by your other insurance companies (for things like home and auto). If the umbrella insurance provider feels you are not maintaining appropriate levels of insurance on your other policies, they may not extend a policy offer to you. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">This rule protects the insurance carrier from individuals who are trying to carry minimum state liability coverages (to drive down their auto and home policy premiums) and supplement those coverages with the extremely low cost of an umbrella policy.</span></p>\n<h2 class=\"polaris__heading\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Who Needs Umbrella Insurance Coverage, and How Much Is Enough</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Umbrella insurance is an optional insurance policy, not required by most state laws. Even so, there are specific reasons you might want to seriously consider obtaining umbrella coverage:</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>1. You have significant savings or assets to safeguard.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Protecting your assets is just as important as growing them, especially when umbrella insurance costs relatively little to carry.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>2. Visitors could injure themselves on property you own.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Do you own, rent or borrow things that can lead to injury? If you have a pool, tree house, ATV, trampoline or dog, you could be liable for major expenses if somebody gets hurt on your property.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>3. You’re responsible for others — and thus at risk of being sued.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you’re a landlord, a kids’ sports coach or someone who serves on the board of a nonprofit, your responsibilities might put you in a vulnerable position. Umbrella coverage can help offset any major expenses you might incur through this work.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>4. You walk on the wild side or travel abroad.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Do you participate in sports where you can easily injure others, such as skiing, surfing, hunting or — my personal favorite — mixed martial arts? If you were to accidentally cause someone else injury and they sued, umbrella insurance would likely cover you. Your policy can also protect against liability claims against you while traveling outside of the United States.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>5. You’re kind of a big deal.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you need to protect yourself from defamation lawsuits, like libel and slander, consider umbrella coverage. Those proceedings can get costly quickly.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Once you know you need a policy, determining the right amount is fairly simple: Subtract your respective liability coverage limit from all assets at risk, including home equity, personal property, investments and savings.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">A negative result indicates a gap in coverage, which umbrella insurance can help fill. And finding funds to pay for the policy can be simple, too. Consider increasing the annual deductibles on your auto and home policies from $500 and $1,000 to something more in line with the $1,500 to $2,500 range (ensure you have adequate cash reserves). This change should help reduce the cost of monthly premiums and give you the cash flow savings needed to afford this new policy without any additional outlay.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></p>\n</div>\n<p style=\"text-align: left;\"><span style=\"font-size: 14px; text-align: justify; color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\" style=\"font-size: 14px; text-align: justify;\">click here</a><span style=\"font-size: 14px; text-align: justify; color: #000000;\">.</span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]\n<!-- /wp:divi/placeholder -->','What is Umbrella Insurance and Do I Need It?','','publish','closed','closed','','what-is-umbrella-insurance-and-do-i-need-it','','','2020-11-19 22:47:39','2020-11-19 22:47:39','',0,'http://smartinsurance.tips/?page_id=900',0,'page','',0),(901,1,'2020-11-19 22:38:57','2020-11-19 22:38:57','<!-- wp:divi/placeholder /-->','What is Umbrella Insurance and Do I Need It?','','inherit','closed','closed','','900-revision-v1','','','2020-11-19 22:38:57','2020-11-19 22:38:57','',900,'http://smartinsurance.tips/900-revision-v1/',0,'revision','',0),(898,1,'2020-11-19 22:36:04','2020-11-19 22:36:04','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"post-title entry-title\" style=\"text-align: center;\"><strong>Protect Your Files: 3 Simple Tips for Small Businesses</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\"]<div align=\"center\">\n<p style=\"text-align: justify;\"><span><img src=\"https://smallbiztrends.com/wp-content/uploads/2020/10/Protect-Your-Files.png\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">File protection has become a top priority for small companies. While most newsworthy stories centre on data breaches at big companies like Adobe, eBay, and LinkedIn, smaller organizations are definitely not immune to the activities of cyber criminals. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">In fact, hackers often target small and medium-sized businesses. They represent easy targets that often have low levels of cybersecurity and lax safety mechanisms in place. Confidential client data-sets stored by SMBs can be valuable assets that command high prices on the black market. </span></p>\n<hr class=\"clear\" />\n<div class=\"content-ad-wrap\" style=\"text-align: justify;\"><span id=\"ezoic-pub-ad-placeholder-115\" style=\"color: #000000;\"></span></div>\n<hr class=\"clear\" />\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000;\">3 Tips for Small Business to Protect Files</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">By overlooking your file protection practices, you’re needlessly putting sensitive information about your company and your clients at risk. In this post, we’re going to look at three ways you can ensure that hackers don’t gain access to your data. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Use a Secure Cloud Storage Provider </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Secure cloud storage provides a basis for corporate data safety. A dedicated solution adds additional layers of protection to your documents and data compared to more mainstream alternatives.<span id=\"ezoic-pub-ad-placeholder-149\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The file security company pCloud, for example, which is one of the leading names in this space, offers a feature package which includes file encryption, secure transfer, staff permissions, multiple-step login, activity tracking for auditing purposes, email protection, and more. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">When selecting a provider, it’s important to pay close attention to the price. There can be significant disparities between costs, and it’s easy to tie yourself into a plan that is much more expensive than similar or better alternatives. Many providers charge hefty monthly fees so it’s worth looking around. Well-known brand Egnyte, for example, works on a competitively-priced monthly employee subscription. pCloud, which was mentioned above, offers competitive lifetime packages and the option to use servers based in either the US or Europe.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Many small businesses worry about the practical task of managing files using a system that is more difficult to access and requires time-intensive management. But this approach is usually unnecessary. It’s best to adopt a two-pronged system that leverages both “normal” and secure storage solutions. In this way, you can keep sensitive files protected while allowing for fast and efficient access to files that don’t contain sensitive data. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Opting for a good solution will also often mean that you are able to meet most, if not all, data-storage legal requirements in one fell swoop. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Fees for cloud storage can quickly add up. So make sure you do your research and don’t pay more than necessary. And always take advantage of any free trials that are on offer before taking the plunge. <span id=\"ezoic-pub-ad-placeholder-151\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Create an Employee Training Program </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Having a robust tech stack is pointless if your employees don’t know how to use it correctly. A number of large data breaches have resulted from the actions of absent-minded employees, and numerous studies show that members of staff pose the biggest cybersecurity risk to both large and small companies.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Regular training programs will ensure that staff are familiar with all internal safety-related processes and know how to use software, particularly your company’s cloud storage, in a way that minimizes risk. It’s worth considering appointing a security officer or, for smaller businesses, outsourcing the task to a specialist training company. Many software providers also offer their own training packages for new users.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Most security-related apps also come with auditing tools, and thus allow you to monitor employee interactions with sensitive data. Performing regular audits will mean that you are more likely to notice and remedy risky behaviors before they cause a serious problem. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Protect Data With Backups, Antivirus Software, and a Secure Password Manager</span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While most small companies use some form of antivirus software, most aren’t taking full advantage of all the features on offer. It’s essential, for instance, to run scans consistently, perform system “cleans”, and ensure company-wide use of browser protection tools. You should also ensure that antivirus software is updated regularly to protection against new threats. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Regularly backing up your data will also guarantee that important client information can’t be permanently lost due to malware, natural accidents, or employee errors. Many cloud storage providers will perform backups of your data, so this is something to consider when picking a provider. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">It’s also good practice to use a password generator and manager.  All members of staff should use unique, secure passwords to access company apps to prevent the possibility of a data breach. And under no circumstances should employees use personal or “multi-use” passwords.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Business versions of password management apps like LastPass and Keeper are inexpensive and can be used by your team to generate and store complex passwords that carry virtually no risk of being breached. </span></p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000;\">Conclusion </span></h3>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While building secure processes and tech infrastructure in your company may require a little up-front investment, in the long-term it represents by far one of the best possible uses of resources. The ramifications of a data breach, in terms of costs, legal issues, and public relations to restore customer faith, are barely worth thinking about.<span id=\"ezoic-pub-ad-placeholder-146\" class=\"ezoic-adpicker-ad\"></span></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Spend some time implementing the tips in this article. When you see headlines proclaiming the next big data breach plastered all over the front pages, you’ll be glad you did.</span></p>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"></span></p>\n<div id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\"></span></p>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/10/protect-your-files-3-tips-small-businesses.html\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Protect Your Files: 3 Simple Tips for Small Businesses','','inherit','closed','closed','','893-revision-v1','','','2020-11-19 22:36:04','2020-11-19 22:36:04','',893,'http://smartinsurance.tips/893-revision-v1/',0,'revision','',0),(904,1,'2020-11-19 22:46:55','2020-11-19 22:46:55','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"polaris__heading polaris__heading--title\" style=\"text-align: center;\"><strong>What is Umbrella Insurance and Do I Need It?</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\">\n<p style=\"text-align: left;\"><span style=\"color: #000000;\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_064245_AM.jpg\" width=\"845\" height=\"475\" alt=\"\" class=\"wp-image-903 aligncenter size-full\" /></span></p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px; text-align: justify; color: #000000;\">Homeowners insurance, car insurance, health insurance, life and disability insurance … if you already have all these policies in place as part of a strategic protection plan for yourself and your assets, you might find it hard to believe that there could possibly be yet <em>another</em> type of insurance that you need.</span></p>\n<div class=\"polaris__simple-grid--main\" style=\"text-align: justify;\">\n<p><span style=\"color: #000000;\">But the reality is, the more complex your financial situation gets — and the more your net worth grows — the more pressing it becomes to consider umbrella insurance on top of your current policies.</span></p>\n<p><span style=\"color: #000000;\">Here’s why (and when) you should think about an umbrella insurance policy, and what you need to know before applying for coverage.</span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">What Is Umbrella Insurance?</span></h2>\n<p><span style=\"color: #000000;\">Umbrella insurance (also known as excess liability insurance) is a type of coverage designed to cover potential gaps left by other insurance policies you may already have in place. If you needed to pay for expenses relating to claims that exceeded the coverage provided by existing insurance, umbrella insurance could help cover those costs.</span></p>\n<p><span style=\"color: #000000;\">A good way to think about umbrella insurance is as an extra layer of protection in order to help you avoid financial hardship should a major accident or unexpected event happen. It’s like a fail-safe to completely protect your personal savings and assets.</span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">What Umbrella Insurance Covers and How It Works</span></h2>\n<p><span style=\"color: #000000;\">If you’re sued for damages that exceed the liability limits of your car insurance, homeowners insurance or other coverages, an umbrella policy would step in to help you pay what you owe.</span></p>\n</div>\n<div class=\"polaris__simple-grid--full\" style=\"text-align: justify;\">\n<div class=\"polaris__ad -full-width -empty-ad-slot\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-desktop-inline-12\"></div>\n</div>\n</div>\n</div>\n<div class=\"polaris__simple-grid--main\">\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">While this might sound like something that would never happen, it’s more common than you might think. We can take a look at a real-life example to see how an umbrella insurance policy works to protect you in the case of an unforeseen circumstance.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">You might have heard of Georgia’s infamous 2014 Snowmageddon event, where forecasts that called for unusually significant snowfall midweek were largely ignored. When snow began to fall fast and thick around lunchtime, there was a mass exodus of folks trying to commute home from work and school. Combine Atlanta’s existing traffic and congestion problems with untreated roads, bad winter weather and residents with no experience navigating such conditions, and it quickly turned chaotic on the roads.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Now, imagine you were one of those drivers that day. As you tried to get home, your car spun out of control on a snowy hill. You totaled the car next to you — and even worse, several people were badly injured.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The totaled car cost $80,000 to replace. Treatment of injuries cost a combined $800,000. In this situation, you’d be responsible for $880,000 in damages … and you carry $300,000 in liability coverage through your car insurance.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The remaining $580,000 would have to come out of your pocket. That’s a major hit — and a good reason to think carefully about purchasing umbrella coverage, which in this case would have stepped in and paid what your car insurance did not cover.</span></p>\n<h2 class=\"polaris__heading\" style=\"text-align: justify;\"><span style=\"color: #000000;\">How Much Umbrella Insurance Costs</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Coverage limits on umbrella policies typically start at $1 million, and in most cases, go as high as $5 million. Basic policies at the lower end of that coverage range can cost between $150 to $300 per year.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Keep in mind that your umbrella insurance may only cover a claim <em>if</em> you maintain the minimum coverage amounts required by your other insurance companies (for things like home and auto). If the umbrella insurance provider feels you are not maintaining appropriate levels of insurance on your other policies, they may not extend a policy offer to you. </span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">This rule protects the insurance carrier from individuals who are trying to carry minimum state liability coverages (to drive down their auto and home policy premiums) and supplement those coverages with the extremely low cost of an umbrella policy.</span></p>\n<h2 class=\"polaris__heading\" style=\"text-align: justify;\"><span style=\"color: #000000;\">Who Needs Umbrella Insurance Coverage, and How Much Is Enough</span></h2>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Umbrella insurance is an optional insurance policy, not required by most state laws. Even so, there are specific reasons you might want to seriously consider obtaining umbrella coverage:</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>1. You have significant savings or assets to safeguard.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Protecting your assets is just as important as growing them, especially when umbrella insurance costs relatively little to carry.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>2. Visitors could injure themselves on property you own.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Do you own, rent or borrow things that can lead to injury? If you have a pool, tree house, ATV, trampoline or dog, you could be liable for major expenses if somebody gets hurt on your property.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>3. You’re responsible for others — and thus at risk of being sued.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you’re a landlord, a kids’ sports coach or someone who serves on the board of a nonprofit, your responsibilities might put you in a vulnerable position. Umbrella coverage can help offset any major expenses you might incur through this work.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>4. You walk on the wild side or travel abroad.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Do you participate in sports where you can easily injure others, such as skiing, surfing, hunting or — my personal favorite — mixed martial arts? If you were to accidentally cause someone else injury and they sued, umbrella insurance would likely cover you. Your policy can also protect against liability claims against you while traveling outside of the United States.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>5. You’re kind of a big deal.</strong></span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you need to protect yourself from defamation lawsuits, like libel and slander, consider umbrella coverage. Those proceedings can get costly quickly.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Once you know you need a policy, determining the right amount is fairly simple: Subtract your respective liability coverage limit from all assets at risk, including home equity, personal property, investments and savings.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">A negative result indicates a gap in coverage, which umbrella insurance can help fill. And finding funds to pay for the policy can be simple, too. Consider increasing the annual deductibles on your auto and home policies from $500 and $1,000 to something more in line with the $1,500 to $2,500 range (ensure you have adequate cash reserves). This change should help reduce the cost of monthly premiums and give you the cash flow savings needed to afford this new policy without any additional outlay.</span></p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></p>\n</div>\n<p style=\"text-align: left;\"><span style=\"font-size: 14px; text-align: justify; color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\" style=\"font-size: 14px; text-align: justify;\">click here</a><span style=\"font-size: 14px; text-align: justify; color: #000000;\">.</span></p>\n</div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','What is Umbrella Insurance and Do I Need It?','','inherit','closed','closed','','900-revision-v1','','','2020-11-19 22:46:55','2020-11-19 22:46:55','',900,'http://smartinsurance.tips/900-revision-v1/',0,'revision','',0),(906,1,'2020-11-19 22:48:09','2020-11-19 22:48:09','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"post-title entry-title\" style=\"text-align: center;\"><strong>How Much Insurance Should You Get? A Lawyer’s Advice</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\"></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_065003_AM.jpg\" width=\"845\" height=\"475\" alt=\"\" class=\"wp-image-909 aligncenter size-full\" /></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\"></span></h2>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\"></span></h2>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\"></span></h2>\n<p class=\"polaris__heading\"><span style=\"color: #000000;\"><span>Thomas, a reader in Chicago, wrote: “Liberty Mutual Insurance television commercials, which state ‘Only Pay for What You Need,’ appear to suggest that other insurance companies will sell you coverages you don’t need. I’ll bet a lot of people wonder what they mean.”</span></span></p>\n<p class=\"polaris__heading\"><span style=\"color: #000000;\"><span>This column has received similar comments, and to find out what ‘Only pay for what you need” means, I contacted the company’s media relations team at Boston-Based Liberty Mutual, asking them that very question. That was weeks ago, and I am still waiting for a response. So, I turned to a trial attorney whose law practice concentrates on insurance company bad faith and asked him what he thought. The discussion that followed surprised me.</span></span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\"></span></h2>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">Customers Typically Should Insist on More than Minimums</span></h2>\n<p><span style=\"color: #000000;\"></span></p>\n<p><span style=\"color: #000000;\">“When they say you will only pay for what you need, they are implying that other insurance companies will automatically sell you coverages that you do not need, which is complete nonsense,” says Los Angeles-based attorney Shant Karnikian.</span></p>\n<p><span style=\"color: #000000;\">Actually, the opposite may tend to be true about some insurance companies, he says. They may prefer if customers bought less insurance coverage, not more. And that can be a problem for consumers.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n<div class=\"polaris__simple-grid--main\">\n<p><span style=\"color: #000000;\">“The insurance industry wants to minimize exposure to future customer losses, and plaintiff lawyers are already seeing this reflected in the companies’ marketing practices, where they only want to sell minimum limits of auto or homeowners insurance, reducing payouts in the event of a claim. If you buy more coverage, they are exposed to paying more for the loss.</span></p>\n</div>\n<div class=\"polaris__simple-grid--aside\">\n<div class=\"polaris__ad -sidebar-ad -empty-ad-slot\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-desktop-side-10\"></div>\n<div></div>\n</div>\n</div>\n</div>\n<div class=\"polaris__simple-grid--main\">\n<p><span style=\"color: #000000;\">“Even if you need it, they don’t want to sell it! But if you ask for more coverage, they are obligated to sell it to you. This means consumers must become educated and learn the coverages they absolutely must have.”</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">Insurance Agents Not Required to Advise What Coverages You Need</span></h2>\n<p><span style=\"color: #000000;\">“Auto and property insurance companies let you accept or decline various types of coverage,” Karnikian says, “and today especially, the public needs to be aware that, with some very limited exceptions, insurance agents are not required to counsel their customers as to what they should be purchasing.”</span></p>\n<p><span style=\"color: #000000;\">That’s right. Insurance agents are typically not required to tell you what coverages are available or what you likely need. “In most instances, insurance agents are mere order takers, and unless you tell them what you want, they are generally under no obligation of advising you to obtain certain types of coverage,” he observes.</span></p>\n<p><span style=\"color: #000000;\"></span></p>\n<h2 class=\"polaris__heading\"><span style=\"color: #000000;\">Keep These Coverage Guidelines in Mind</span></h2>\n<p><span style=\"color: #000000;\">For those shopping for insurance, Karnikian gives these recommendations:</span></p>\n<ol>\n<li><span style=\"color: #000000;\"><strong>Auto Insurance:</strong> Never buy just the minimum amounts that are required by your state, which varies and may be as low as $10,000 per person or $20,000 per accident. Buy 50/100,000 liability limits or more, meaning $50,000 per person or $100,000 per accident. And always purchase medical payments coverage and uninsured/under-insured coverage in limits no less than $100,000.</span></li>\n<li><span style=\"color: #000000;\"><strong>Homeowners/Commercial Property Insurance:</strong> <em>Overestimate </em>the cost of rebuilding your home or office, and include coverage to bring the property current with building codes. In a major loss — such as a wildfire — material and labor costs will be far greater than at normal times. Inadequate coverage means you will have to pay out of pocket the difference in price.</span></li>\n<li><span style=\"color: #000000;\"><strong>Ask in Writing:</strong> “What is the most coverage that I can possibly get for my home, car, liability and business?” The difference in premium costs between the basic policy and a much larger one will not shock the conscience. It is definitely worth it.</span></li>\n<li><span style=\"color: #000000;\"><strong>Consider a Broker Instead of an Agent: </strong>Brokers are not limited to selling policies from just one company. They work for you. Agents are limited to selling only the policies of the company they work for, which may not have the best policy for your needs.</span></li>\n</ol>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://www.kiplinger.com/personal-finance/insurance/601533/how-much-insurance-should-you-get-a-lawyers-advice\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','How Much Insurance Should You Get? A Lawyer’s Advice','','publish','closed','closed','','how-much-insurance-should-you-get-a-lawyers-advice','','','2020-11-19 23:00:14','2020-11-19 23:00:14','',0,'http://smartinsurance.tips/?page_id=906',0,'page','',0),(907,1,'2020-11-19 22:48:09','2020-11-19 22:48:09','<!-- wp:divi/placeholder /-->','How Much Insurance Should You Get? A Lawyer’s Advice','','inherit','closed','closed','','906-revision-v1','','','2020-11-19 22:48:09','2020-11-19 22:48:09','',906,'http://smartinsurance.tips/906-revision-v1/',0,'revision','',0),(909,1,'2020-11-19 22:50:09','2020-11-19 22:50:09','','Untitled_Clipping_112020_065003_AM','','inherit','open','closed','','untitled_clipping_112020_065003_am','','','2020-11-19 22:50:09','2020-11-19 22:50:09','',0,'http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_065003_AM.jpg',0,'attachment','image/jpeg',0),(911,1,'2020-11-19 22:52:58','2020-11-19 22:52:58','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"post-title entry-title\" style=\"text-align: center;\"><strong>How Much Insurance Should You Get? A Lawyer’s Advice</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\"></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_065003_AM.jpg\" width=\"845\" height=\"475\" alt=\"\" class=\"wp-image-909 aligncenter size-full\" /></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<div align=\"center\"><span>Thomas, a reader in Chicago, wrote: “Liberty Mutual Insurance television commercials, which state ‘Only Pay for What You Need,’ appear to suggest that other insurance companies will sell you coverages you don’t need. I’ll bet a lot of people wonder what they mean.”</span></div>\n<div align=\"center\"><span></span></div>\n<div align=\"center\"><span>This column has received similar comments, and to find out what ‘Only pay for what you need” means, I contacted the company’s media relations team at Boston-Based Liberty Mutual, asking them that very question. That was weeks ago, and I am still waiting for a response. So, I turned to a trial attorney whose law practice concentrates on insurance company bad faith and asked him what he thought. The discussion that followed surprised me.</span></div>\n<h2 class=\"polaris__heading\">Customers Typically Should Insist on More than Minimums</h2>\n<p>“When they say you will only pay for what you need, they are implying that other insurance companies will automatically sell you coverages that you do not need, which is complete nonsense,” says Los Angeles-based attorney Shant Karnikian.</p>\n<p>Actually, the opposite may tend to be true about some insurance companies, he says. They may prefer if customers bought less insurance coverage, not more. And that can be a problem for consumers.</p>\n<p>&nbsp;</p>\n<div class=\"polaris__simple-grid--main\">\n<p>“The insurance industry wants to minimize exposure to future customer losses, and plaintiff lawyers are already seeing this reflected in the companies’ marketing practices, where they only want to sell minimum limits of auto or homeowners insurance, reducing payouts in the event of a claim. If you buy more coverage, they are exposed to paying more for the loss.</p>\n</div>\n<div class=\"polaris__simple-grid--aside\">\n<div class=\"polaris__ad -sidebar-ad -empty-ad-slot\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-desktop-side-10\"></div>\n<div></div>\n</div>\n</div>\n</div>\n<div class=\"polaris__simple-grid--main\">\n<p>“Even if you need it, they don’t want to sell it! But if you ask for more coverage, they are obligated to sell it to you. This means consumers must become educated and learn the coverages they absolutely must have.”</p>\n<h2 class=\"polaris__heading\">Insurance Agents Not Required to Advise What Coverages You Need</h2>\n<p>“Auto and property insurance companies let you accept or decline various types of coverage,” Karnikian says, “and today especially, the public needs to be aware that, with some very limited exceptions, insurance agents are not required to counsel their customers as to what they should be purchasing.”</p>\n<p>That’s right. Insurance agents are typically not required to tell you what coverages are available or what you likely need. “In most instances, insurance agents are mere order takers, and unless you tell them what you want, they are generally under no obligation of advising you to obtain certain types of coverage,” he observes.</p>\n<h2 class=\"polaris__heading\">Keep These Coverage Guidelines in Mind</h2>\n<p>For those shopping for insurance, Karnikian gives these recommendations:</p>\n<ol>\n<li><strong>Auto Insurance:</strong><span> </span>Never buy just the minimum amounts that are required by your state, which varies and may be as low as $10,000 per person or $20,000 per accident. Buy 50/100,000 liability limits or more, meaning $50,000 per person or $100,000 per accident. And always purchase medical payments coverage and uninsured/under-insured coverage in limits no less than $100,000.</li>\n<li><strong>Homeowners/Commercial Property Insurance:</strong><span> </span><em>Overestimate<span> </span></em>the cost of rebuilding your home or office, and include coverage to bring the property current with building codes. In a major loss — such as a wildfire — material and labor costs will be far greater than at normal times. Inadequate coverage means you will have to pay out of pocket the difference in price.</li>\n<li><strong>Ask in Writing:</strong><span> </span>“What is the most coverage that I can possibly get for my home, car, liability and business?” The difference in premium costs between the basic policy and a much larger one will not shock the conscience. It is definitely worth it.</li>\n<li><strong>Consider a Broker Instead of an Agent:<span> </span></strong>Brokers are not limited to selling policies from just one company. They work for you. Agents are limited to selling only the policies of the company they work for, which may not have the best policy for your needs.</li>\n</ol>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','How Much Insurance Should You Get? A Lawyer’s Advice','','inherit','closed','closed','','906-revision-v1','','','2020-11-19 22:52:58','2020-11-19 22:52:58','',906,'http://smartinsurance.tips/906-revision-v1/',0,'revision','',0),(910,1,'2020-11-19 22:51:44','2020-11-19 22:51:44','[et_pb_section fb_built=\"1\" _builder_version=\"4.0.9\"][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<h1 class=\"post-title entry-title\" style=\"text-align: center;\"><strong>How Much Insurance Should You Get? A Lawyer’s Advice</strong></h1>\n[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.0.9\"][et_pb_column type=\"4_4\" _builder_version=\"4.0.9\"][et_pb_text _builder_version=\"4.0.9\" hover_enabled=\"0\"]<div align=\"center\"></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/11/Untitled_Clipping_112020_065003_AM.jpg\" width=\"845\" height=\"475\" alt=\"\" class=\"wp-image-909 aligncenter size-full\" /></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span style=\"color: #000000;\"></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">Thomas, a reader in Chicago, wrote: “Liberty Mutual Insurance television commercials, which state ‘Only Pay for What You Need,’ appear to suggest that other insurance companies will sell you coverages you don’t need. I’ll bet a lot of people wonder what they mean.”</span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">This column has received similar comments, and to find out what ‘Only pay for what you need” means, I contacted the company’s media relations team at Boston-Based Liberty Mutual, asking them that very question. That was weeks ago, and I am still waiting for a response. So, I turned to a trial attorney whose law practice concentrates on insurance company bad faith and asked him what he thought. The discussion that followed surprised me.</span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\">\n<h2 class=\"polaris__heading\">Customers Typically Should Insist on More than Minimums</h2>\n<p>“When they say you will only pay for what you need, they are implying that other insurance companies will automatically sell you coverages that you do not need, which is complete nonsense,” says Los Angeles-based attorney Shant Karnikian.</p>\n<p>Actually, the opposite may tend to be true about some insurance companies, he says. They may prefer if customers bought less insurance coverage, not more. And that can be a problem for consumers.</p>\n<p>&nbsp;</p>\n<div class=\"polaris__simple-grid--main\">\n<p>“The insurance industry wants to minimize exposure to future customer losses, and plaintiff lawyers are already seeing this reflected in the companies’ marketing practices, where they only want to sell minimum limits of auto or homeowners insurance, reducing payouts in the event of a claim. If you buy more coverage, they are exposed to paying more for the loss. </p>\n</div>\n<div class=\"polaris__simple-grid--aside\">\n<div class=\"polaris__ad -sidebar-ad -empty-ad-slot\">\n<div class=\"polaris__ad--inner\">\n<div id=\"refresh-desktop-side-10\"></div>\n<div></div>\n</div>\n</div>\n</div>\n<div class=\"polaris__simple-grid--main\">\n<p>“Even if you need it, they don’t want to sell it! But if you ask for more coverage, they are obligated to sell it to you. This means consumers must become educated and learn the coverages they absolutely must have.”</p>\n<h2 class=\"polaris__heading\">Insurance Agents Not Required to Advise What Coverages You Need</h2>\n<p> “Auto and property insurance companies let you accept or decline various types of coverage,” Karnikian says, “and today especially, the public needs to be aware that, with some very limited exceptions, insurance agents are not required to counsel their customers as to what they should be purchasing.”</p>\n<p>That’s right. Insurance agents are typically not required to tell you what coverages are available or what you likely need. “In most instances, insurance agents are mere order takers, and unless you tell them what you want, they are generally under no obligation of advising you to obtain certain types of coverage,” he observes.</p>\n<h2 class=\"polaris__heading\">Keep These Coverage Guidelines in Mind</h2>\n<p>For those shopping for insurance, Karnikian gives these recommendations:</p>\n<ol>\n<li><strong>Auto Insurance:</strong><span> </span>Never buy just the minimum amounts that are required by your state, which varies and may be as low as $10,000 per person or $20,000 per accident. Buy 50/100,000 liability limits or more, meaning $50,000 per person or $100,000 per accident. And always purchase medical payments coverage and uninsured/under-insured coverage in limits no less than $100,000.</li>\n<li><strong>Homeowners/Commercial Property Insurance:</strong><span> </span><em>Overestimate<span> </span></em>the cost of rebuilding your home or office, and include coverage to bring the property current with building codes. In a major loss — such as a wildfire — material and labor costs will be far greater than at normal times. Inadequate coverage means you will have to pay out of pocket the difference in price.</li>\n<li><strong>Ask in Writing:</strong><span> </span>“What is the most coverage that I can possibly get for my home, car, liability and business?” The difference in premium costs between the basic policy and a much larger one will not shock the conscience. It is definitely worth it.</li>\n<li><strong>Consider a Broker Instead of an Agent:<span> </span></strong>Brokers are not limited to selling policies from just one company. They work for you. Agents are limited to selling only the policies of the company they work for, which may not have the best policy for your needs.</li>\n</ol>\n</div>\n</div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\"></span></span></div>\n<div align=\"center\" style=\"text-align: justify;\"><span><span style=\"color: #000000;\">To read the full article, </span><a href=\"https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html\">click here</a><span style=\"color: #000000;\">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','How Much Insurance Should You Get? A Lawyer’s Advice','','inherit','closed','closed','','906-revision-v1','','','2020-11-19 22:51:44','2020-11-19 22:51:44','',906,'http://smartinsurance.tips/906-revision-v1/',0,'revision','',0),