transportation http://www.wisebread.com/taxonomy/term/8866/all en-US The 5 Best Electric Bicycles http://www.wisebread.com/the-5-best-electric-bicycles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-electric-bicycles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_electric_bicycle_517640743.jpg" alt="Man riding electric bicycle " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>An electric bicycle can provide the perfect hassle-free commute for urban dwellers. The alternative form of transportation can save you money on parking, gas, and car maintenance. It can also help you quickly navigate through traffic, cut down on your commute time, and reduce your impact on the environment. Best of all, in most states, you don&rsquo;t even need a license or registration for your new e-bike.</p> <h2>What is an electric bicycle?</h2> <p>An electric bicycle has pedals and an electric motor, so it looks like a bike but rides like a motorcycle. The rider can usually choose to manually pedal the bike or use the electric power of a battery and motor.</p> <p>An electric bike puts much less stress on the knees and joints, so they are less tiresome to ride than a traditional bicycle. Pedal-assist can help you go further with less effort by assisting when you are climbing up hills and reducing how much you need to pedal.</p> <h2>Top 5 electric bicycles</h2> <h3>Ancheer Power Plus Electric Mountain Bike</h3> <p><a href="http://amzn.to/2uhAEkj"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ancheer.jpg" width="245" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in adult electric bicycles, the <a href="http://amzn.to/2uhAEkj" target="_blank">Ancheer Power Plus Electric Mountain Bike</a> has a lightweight, ergonomic design that allows for easy travel and storage. It has a power display, carbon steel comfort shock absorption, anti-slip wear-resistant tires, high-efficiency front and rear disc brakes, adjustable seat, bright headlight, horn, three-speed smart meter button, and high-carbon aluminum alloy frame. It has two modes: e-bike and assisted, so you can enjoy pedal-assist for easier cycling. The quiet, antiskid high-speed brushless gear motor can go up to 30 miles at more than 15 mph.</p> <p>It includes a removable environmentally friendly lithium ion battery for low carbon travel, a smart lithium battery charger, and easy charge port system for easy charging in four to six hours. It also includes a tool kit and assembly instruction video, or you can choose the free assembly service. This is one of the &ldquo;most wished for&rdquo; items on Amazon and is frequently recommended online.</p> <p><a href="http://amzn.to/2uhAEkj" target="_blank"><em>Currently $615.99 on Amazon</em></a></p> <h3>Cyclamatic CX2 Bicycle Electric Foldaway Bike</h3> <p><a href="http://amzn.to/2uWpYtg" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cyclamatic.jpg" width="245" height="201" align="right" alt="" /></a>The convenient <a href="http://amzn.to/2uWpYtg" target="_blank">Cyclamatic CX2 Bicycle Electric Foldaway Bike</a> quickly folds in half for easy storage and transport thanks to a unique quick-lock-release system and quick-release front wheel. It features six-speed Shimano gears and front and rear electric lights. The powerful 250-Watt brushless motor is low maintenance and can go a max distance of 31 miles at a max speed of 15 mph. The upgraded quick-release lithium ion battery offers a full recharge in four to six hours.</p> <p>You can use this as a normal bike or with the &quot;partial electric assist&quot; mode to get you further with less effort. It is also safe to ride in the rain thanks to front and rear mud guards. It is ideal for anyone who doesn&rsquo;t have a lot of space to devote to a new bike. It is an Amazon best-seller and has outstanding reviews online.</p> <p><a href="http://amzn.to/2uWpYtg" target="_blank"><em>Currently $549.99 on Amazon</em></a></p> <h3>Watseka XP Cargo-Electric Bicycle</h3> <p><a href="http://amzn.to/2uhbFh9" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/watseka.jpg" width="245" height="165" align="right" alt="" /></a>The <a href="http://amzn.to/2uhbFh9" target="_blank">Watseka XP Cargo-Electric Bicycle</a> offers both selectable pedal assist and a twist throttle for greater rider flexibility. It reaches speeds up to 14 mph and travel distance up to 18 miles. It has plenty of power thanks to a 250-Watt brushless rear drive motor with a 36V 9Ah removable AGM battery pack for long lasting battery life. It also has impressive features like a step through/low step frame design, easy shift six-speed Shimano gear set, telescopic front-fork suspension, seat springs, adjustable seat and handlebar height, and easy tilt seat design for quick battery removal.</p> <p>The commuter bicycle offers the ultimate in convenience thanks to a front basket and rear cargo rack. It also includes a charger, front light, rear light, horn, bell, and two ignition keys. It is available in two colors and only requires minor assembly. It comes from the trusted Watseka brand and is recommended by Heavy.com.</p> <p><a href="http://amzn.to/2uhbFh9" target="_blank"><em>Currently $499.99 on Amazon</em></a></p> <h3>SWAGTRON SwagCycle E-Bike</h3> <p><a href="http://amzn.to/2uWgGxx" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/swagtron.jpg" width="207" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2uWgGxx" target="_blank">SWAGTRON SwagCycle E-Bike</a> offers a pedal-free design that feels like a bicycle but rides like a moped. The lightweight folding e-scooter features a durable aerospace-grade aluminum frame, bright headlight, brake light and reflector, horn, and micro USB charging port. It can go 15 mph and has a 10-mile range. It uses a high-capacity 36V lithium ion battery and a 250-Watt motor that recharges in as little as two and a half hours. With the handlebar display, you can accelerate, brake, check battery life, turn on the headlight, and honk the horn. The collapsible front stem allows you to easily store and transport the bike.</p> <p>This has zero emissions and is eco-friendly. It is available in black or white, and includes a charging adapter. It is an Amazon best-seller and one of the &ldquo;most wished for&rdquo; items on Amazon. It is also covered by a one-year limited warranty.</p> <p><a href="http://amzn.to/2uWgGxx" target="_blank"><em>Currently $399.99 on Amazon</em></a></p> <h3>Cyclamatic Power Plus CX1 Electric Mountain Bike</h3> <p><a href="http://amzn.to/2w3wxdH" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cx1.jpg" width="245" height="165" align="right" alt="" /></a>The <a href="http://amzn.to/2w3wxdH" target="_blank">Cyclamatic Power Plus CX1 Electric Mountain Bike</a> features a premium mountain bike frame design with the convenience of three pedal assist modes. It is easy to use thanks to a quick-shift 21-speed Shimano gear system, quick release front wheel, and Kenda Tyres. The upgraded model also has a 250-Watt brushless motor and upgraded lithium-ion battery for a smoother ride. The comfortable bike can reach speeds of up to 15 mph, with a range of 25-31 miles per four- to six-hour charge.</p> <p>The popular e-bike is suitable to ride in most terrains and can be safely used in the rain. It has minimal assembly and comes with free optional professional bike assembly and basic fit. It also comes from the trusted Cyclamatic brand and is recommended by Heavy.com.</p> <p><a href="http://amzn.to/2w3wxdH" target="_blank"><em>Currently $549.99 on Amazon</em></a></p> <p>And those are our recommendations for the best electric bicycles. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-electric-bicycles&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Electric%2520Bicycles.jpg&amp;description=The%205%20Best%20Electric%20Bicycles"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Electric%20Bicycles.jpg" alt="The 5 Best Electric Bicycles" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-electric-bicycles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-bicycle-lights">The 5 Best Bicycle Lights</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-mountain-bikes">The 5 Best Mountain Bikes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hiking-backpacks">The 5 Best Hiking Backpacks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-3d-printers">The 5 Best 3D Printers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping 5 best bikes e-bike electric bicycle product reviews shopping transportation Wed, 02 Aug 2017 08:00:08 +0000 Andrea Cannon 1974060 at http://www.wisebread.com 7 Countries Where You Can Travel on $30 a Day or Less http://www.wisebread.com/7-countries-where-you-can-travel-on-30-a-day-or-less <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-countries-where-you-can-travel-on-30-a-day-or-less" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tourists_posing_in_front_of_temple_in_koh_samui_thailand.jpg" alt="Tourists posing in front of temple in koh samui thailand" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many people believe that traveling is extremely expensive, and while this may be true if you're expecting five-star hotels and luxury cruises, on the whole it's a misconception. There are countries all over the world where, thanks to the low cost of living and (in some cases) <a href="http://www.wisebread.com/5-places-to-travel-while-the-dollar-is-strong?ref=internal" target="_blank">strong U.S. dollar</a>, it's possible to get around on a very low budget.</p> <p>Traveling on the cheap is certainly not for everyone and it often means making a few sacrifices, but choosing the right place to visit is half the battle. Here are seven countries where you can travel on $30 a day or less. (See also: <a href="http://www.wisebread.com/10-things-youre-paying-too-much-for-when-you-travel-and-how-to-pay-less?ref=seealso" target="_blank">10 Things You're Paying Too Much for When You Travel</a>)</p> <p>Unless otherwise stated, all figures quoted are referenced from <a href="https://www.numbeo.com/cost-of-living/" target="_blank">numbeo.com</a>, the largest database of user contributed data about cities and countries worldwide.</p> <h2>1. Thailand</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/woman_sitting_on_long_tail_boat.jpg" width="605" height="340" alt="" /></p> <p>Nicknamed &quot;The Land of Smiles&quot; thanks to its welcoming and friendly reputation, Thailand is the original backpacker's paradise. Its mix of stunning tropical islands, bustling cities, mouthwatering food, and vibrant night life has seen its popularity explode in recent decades. Despite this huge growth in visitor numbers, Thailand's prices have remained extremely low and it's still one of the cheapest countries to visit in the whole of Southeast Asia.</p> <p>Hostel dorm beds are available for as little as $1.47 per night. While I was there in 2014 I found private double rooms for just $7 a night. A meal at an inexpensive restaurant will cost $1.77, and a pint of domestic beer costs the same.</p> <p><strong>Top money saving tip:</strong> Take advantage of the amazing street food in Thailand. It's famous for being some of the best in the world and is also some of the cheapest, with some meals costing as little as $1. (See also: <a href="http://www.wisebread.com/how-to-eat-street-food-safely-while-traveling?ref=seealso" target="_blank">How to Eat Street Food Safely While Traveling</a>)</p> <h2>2. Bolivia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/female_tourist_on_salar_de_uyuni_during_sunset_altiplano_bolivia.jpg" width="605" height="340" alt="" /></p> <p>Bolivia is often overlooked as a travel destination in favor of more illustrious South American countries such as Brazil, Argentina, Chile, and Peru. That's a real shame, because this diverse country shares some of the most impressive landscapes on the continent with them, accessible at a far cheaper price. Sections of the Andes Mountains, the Amazon Rainforest, and Lake Titicaca all lie within its borders, as well as its crowning jewel, the Salar de Uyuni &mdash; the world's largest salt flat.</p> <p>Hostel rooms are available for as little as $6 per night. A meal at an inexpensive restaurant will cost $3.50, and a pint of domestic beer can be as cheap as $2.10.</p> <p><strong>Top money saving tip:</strong> Eat lunch at local markets where two-course specials are available at rock-bottom prices. (See also: <a href="http://www.wisebread.com/4-secrets-to-eating-great-food-for-cheap-while-traveling?ref=seealso" target="_blank">4 Secrets to Eating Great Food for Cheap While Traveling</a>)</p> <h2>3. China</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/tourists_in_beijing_riding_bikes.jpg" width="605" height="340" alt="" /></p> <p>China is a country of massive contrasts. Ancient history meets cutting edge modernity, small cities house millions of inhabitants, and landscapes range from arid deserts to the freezing &quot;ice city&quot; of Harbin. With its vast size and population of over 1.3 billion people, it's a fascinating country with so much to explore that it can be overwhelming.</p> <p>But China is also very affordable for travelers from the U.S. and other nations with strong currencies.</p> <p>Hostel dorm rooms are available for as little as $2.93 per night. A meal at an inexpensive restaurant will cost $2.95, and domestic beer can be as cheap as (0.5 liter draft) 89 cents.</p> <p>In my experience in small-town China, you can buy large beers at the grocery store for as little as 30 cents and bring them into almost any restaurant, no questions asked. Sometimes the staff will even keep them in their refrigerator and open them for you.</p> <p><strong>Top money saving tip:</strong> Spend less time in the big cities where costs, particularly for accommodation, are higher. (See also: <a href="http://www.wisebread.com/5-amazing-travel-destinations-you-thought-were-unaffordable?ref=seealso" target="_blank">5 Amazing Travel Destinations You Thought Were Unaffordable</a>)</p> <h2>4. Mexico</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/view_of_el_castillo.jpg" width="605" height="340" alt="" /></p> <p>For many, the mention of Mexico conjures up images of palm-fringed beaches and large seafront resorts catering to sun-seeking vacationers. While this is a side of Mexico that exists, there is so much more of interest in this country, from its rich history to its heavenly cuisine (the latter was listed by UNESCO as an Intangible Cultural Heritage of Humanity). There's also a surprising amount of wildlife that doesn't get the recognition it deserves, with black bears, flamingos, crocodiles, and a wide variety of marine life.</p> <p>Hostel rooms are available for as little as 50 cents per night. A meal at an inexpensive restaurant will cost about $5, and domestic beer can be as cheap as $1.38.</p> <p><strong>Top money saving tip:</strong> Avoid the popular coastal areas, which are more pricey. Head inland instead to towns like <a href="https://www.goatsontheroad.com/10-awesome-things-guanajuato-mexico/" target="_blank">Guanajuato</a> and <a href="https://www.goatsontheroad.com/visiting-valladolid-colonial-city-crossroads-culture/" target="_blank">Valladolid</a>. (See also: <a href="http://www.wisebread.com/8-most-affordable-beach-towns-in-mexico?ref=seealso" target="_blank">8 Most Affordable Beach Towns in Mexico</a>)</p> <h2>5. Ukraine</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/person_is_standing_at_street_of_downtown_lviv_ukraine.jpg" width="605" height="340" alt="" /></p> <p>As one of the least visited countries in Europe despite being the second largest, Ukraine can be a difficult place to travel in at times. English is not widely spoken, and the Cyrillic alphabet means it's not possible to glean any meaning from the written language.</p> <p>It's also important to be aware that Ukraine has a volatile recent history, and parts of it are still off-limits to visitors due to ongoing political disputes with neighboring Russia. However, with a little bit of effort you'll discover an enchanting country that's brimming with tradition and warmth.</p> <p>Hostel rooms are available for as little as $3.09 per night. A meal at an inexpensive restaurant will cost <a href="https://www.numbeo.com/cost-of-living/country_result.jsp?country=Ukraine&amp;displayCurrency=USD" target="_blank">$3.84</a>, and domestic beer can be as cheap as 58 cents.</p> <p><strong>Top money saving tip: </strong>Use overnight trains for long-distance travel. They're inexpensive and will save a night's accommodation as well. (See also: <a href="http://www.wisebread.com/5-incredible-world-cities-you-can-afford?ref=seealso" target="_blank">5 Incredible World Cities You Can Afford</a>)</p> <h2>6. India</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/woman_in_taj_mahal.jpg" width="605" height="340" alt="" /></p> <p>Spirituality, wildlife, chaos, color, and excitement collide in this enormous and at times perplexing country. All of your senses will be engaged while you make your way through India, as you try to make sense of what is truly a country like no other. Though at times it can be overwhelming, the countryside is as calm and tranquil as the big cities are tumultuous.</p> <p>Hostel rooms are available for as little as $2.16 per night. A meal at an inexpensive restaurant will cost $2.33, and you can get a pint of domestic beer for as little as $1.55.</p> <p><strong>Top money saving tip:</strong> Always haggle for everything. The original price you're quoted is likely to be highly inflated but shouldn't be the price you pay.</p> <h2>7. Egypt</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/pyramids_bedouin.jpg" width="605" height="340" alt="" /></p> <p>Egypt is most celebrated for being the home of the great Pyramids of Giza, built to immortalize the Pharaohs who reigned these lands over 5,000 years ago. It's said to be the birthplace of western civilization, making it the perfect destination for history buffs and intrepid explorers. Being on the boundary between North Africa and the Middle East lends the country a unique and remarkable mix of two very diverse cultures.</p> <p>Hostel rooms are available for as little as $2.21 per night. A meal at an inexpensive restaurant will cost $3.04, and domestic beer can be as cheap as $1.19. When I was there last, I was eating filling meals of falafel, bread, and chips for just 50 cents!</p> <p><strong>Top money saving tip:</strong> Shop around when booking activities, there are lots of companies offering very similar things at hugely varying prices.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-countries-where-you-can-travel-on-30-a-day-or-less&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Countries%2520Where%2520You%2520Can%2520Travel%2520on%252030%2520Dollars%2520a%2520Day%2520or%2520Less.jpg&amp;description=7%20Countries%20Where%20You%20Can%20Travel%20on%2030%20Dollars%20a%20Day%20or%20Less"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Countries%20Where%20You%20Can%20Travel%20on%2030%20Dollars%20a%20Day%20or%20Less.jpg" alt="7 Countries Where You Can Travel on $30 a Day or Less" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-countries-where-you-can-travel-on-30-a-day-or-less">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month">5 Countries Where You Can Retire for $1,000 a Month</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-international-destinations-you-can-visit-for-50-a-day">5 International Destinations You Can Visit for $50 a Day</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-about-a-terrible-airbnb-stay">What to Do About a Terrible Airbnb Stay</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-sneaky-vacation-costs-that-add-up-quickly">10 Sneaky Vacation Costs That Add Up Quickly</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel affordable bolivia China egypt Food hotels india international mexico thailand transportation ukraine vacation Wed, 12 Jul 2017 08:30:17 +0000 Nick Wharton 1979038 at http://www.wisebread.com 5 Countries Where You Can Retire for $1,000 a Month http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-countries-where-you-can-retire-for-1000-a-month" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_senior_couple_talking_a_walk_in_park.jpg" alt="Happy senior couple talking a walk in park" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us have dreams of retiring to a life of leisure, with a nest egg that will enable us to live comfortably. But according to the Government Accountability Office, up to <a href="http://www.gao.gov/products/GAO-15-419" target="_blank">two-thirds of workers</a> are potentially at risk of not maintaining the same standard of living they enjoyed pre-retirement.</p> <p>Moving to a new country to live out your retirement could provide the perfect solution. <a href="https://www.numbeo.com/cost-of-living/rankings_by_country.jsp" target="_blank">Numbeo's Cost of Living Index</a> has the U.S. listed as the 18th most expensive country to live in, meaning retirees have a huge number of cheaper countries to select from. Here are five countries where you can retire on $1,000 per month. (See also: <a href="http://www.wisebread.com/5-countries-that-welcome-american-retirees?ref=seealso" target="_blank">5 Countries That Welcome American Retirees</a>)</p> <h2>1. Thailand</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sukhothai_temple_lake_panorama.jpg" width="605" height="340" alt="" /></p> <p>Thailand is best known for its tropical islands and exciting big cities, but it's also a destination where an increasing number of overseas retirees are settling down. It's got the magic combination of being well-developed while maintaining very low living costs.</p> <p>Grocery costs are well-priced and good quality, and fresh produce is widely available. According to Numbeo, the average price of a loaf of bread is $1, a dozen eggs is $1.80, and a pound of rice costs just 60 cents. A three-course meal for two at a mid-range restaurant costs $20.60, so you'll also be able to enjoy regular evenings out.</p> <p>The transport infrastructure in Thailand is also good, with tuk tuks, taxis, and public transport providing easy ways to get around. Costs are also low, with Numbeo suggesting the flag fare for an average one-way taxi ride is about $1 plus 28 cents per mile after that.</p> <p><strong>Typical fixed costs per month:</strong></p> <ul> <li> <p>Rent for one-bed apartment city center: $615</p> </li> <li> <p>Utilities: $84</p> </li> <li> <p>Internet: $18</p> </li> </ul> <h2>2. Bolivia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/copacabana.jpg" width="605" height="340" alt="" /></p> <p>Although not the most fashionable country in South America, Bolivia is a great retirement option for outdoor lovers. From the Amazon rain forest to the Andes Mountains, there's an abundance of beautiful landscapes to explore. It's also one of the most affordable countries in South America.</p> <p>The cheapest place to buy fresh produce is from the local markets throughout the country, but there are also many supermarkets with wider selections of international goods. Numbeo lists the average price of a loaf of bread as 92 cents, a dozen eggs for $1.40, and a pound of rice at 60 cents. Splashing out on a three-course meal for two at a mid-range restaurant will cost $25.</p> <p>Transport systems in Bolivia are not the most advanced, but there are good public bus networks and inexpensive taxi services in most areas. According to Numbeo, the average cost of a one way bus fare is 32 cents, and the starting fare for a taxi is $1.45 with $2.33 added for each mile.</p> <p><strong>Typical fixed costs per month:</strong></p> <ul> <li> <p>Rent for one-bed apartment city center: $290</p> </li> <li> <p>Utilities: $43</p> </li> <li> <p>Internet: $70</p> </li> </ul> <h2>3. Nicaragua</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/cathedral_of_granada_nicaragua.jpg" width="605" height="340" alt="" /></p> <p>Central America's largest country has become a popular destination for retirees in recent years. The scenery is dramatic and lush, with numerous volcanoes peppering the countryside, verdant rain forest covering large portions, and coastal areas lined with white sand beaches.</p> <p>Between the markets and the major supermarkets, one of which is owned by Walmart, it's possible to get virtually everything you're used to in the U.S. The average price, according to Numbeo, for a loaf of bread is $1.50, a dozen eggs runs $1.63, and a pound of rice 43 cents. A three-course meal for two at a mid-range restaurant will run you $30.</p> <p>Buses, taxis, and mototaxis are the most popular and inexpensive forms of transportation, with many of the buses being the familiar old yellow school buses imported from the U.S. Numbeo lists the average fare as just 35 cents, while the starting tariff for taxis is $1 and an extra $1.64 per mile after that.</p> <p><strong>Typical fixed costs per month:</strong></p> <ul> <li> <p>Rent for one-bed apartment city center: $273</p> </li> <li> <p>Utilities: $119</p> </li> <li> <p>Internet: $70</p> </li> </ul> <h2>4. Malaysia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sunset_over_tea_plantation_in_malaysia.jpg" width="605" height="340" alt="" /></p> <p>Year-round warm temperatures, stunning beaches, and diverse, bustling cities make this a great choice for people on the lookout for top spots to retire. Thanks to English being spoken by virtually everyone, it's an easy place to get by without learning a new language.</p> <p>Though it's easy to get your hands on international branded goods, local produce is far cheaper and of good quality. The average price for a loaf of bread is 70 cents, a dozen eggs will cost you $1.24, and a pound of rice is available for 56 cents, according to Numbeo. Eating out is a particular pleasure is Malaysia, thanks to the unique fusion of cuisines found here. It's also cheap at just $16 for a three-course meal for two at a mid-range restaurant.</p> <p>Kuala Lumpur, the capital, is well connected by trains and buses, while the rest of the country is serviced by good bus networks. The average price of a one way train fare is 70 cents, and taxis are also a price-effective option, with starting tariffs of 70 cents and a per-mile cost of just 56 cents.</p> <p><strong>Typical fixed costs per month:</strong></p> <ul> <li> <p>Rent for one-bed apartment city center: $557</p> </li> <li> <p>Utilities: $50</p> </li> <li> <p>Internet: $38</p> </li> </ul> <h2>5. Georgia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/view_over_the_city_of_tbilisi_georgia.jpg" width="605" height="340" alt="" /></p> <p>No, we're not talking about the state tucked down in the southeast of the U.S., but a tiny nation that lies on the edges of both Europe and Asia. Though it's little known, it's growing in popularity, especially among retirees, thanks to its beautiful countryside and extremely low cost of living.</p> <p>Georgia is known for its abundance of fresh produce, as well as reputedly being the birthplace of wine. Both are extremely cheap in this country, as are most groceries on offer. A loaf of bread is just 31 cents, a dozen eggs come in at $1.47, and a pound of rice at 36 cents. Eating out is also reasonable at $21 for a three-course meal for two at a mid-range restaurant.</p> <p>Transport in the capital Tbilisi is excellent, with a metro system as well as good bus links and cost-effective taxis. Elsewhere in the country buses and trains are easy to use. The average fare is just 20 cents, and taxis start at $1.25 with 33 cents per mile after that.</p> <p><strong>Typical fixed costs per month:</strong></p> <ul> <li> <p>Rent for one-bed apartment city center: $310</p> </li> <li> <p>Utilities: $60</p> </li> <li> <p>Internet: $11.20</p> </li> </ul> <p>(See also: <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries?ref=seealso" target="_blank">Retire for Half the Cost in These 5 Countries</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-countries-where-you-can-retire-for-1000-a-month&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Countries%2520Where%2520You%2520Can%2520Retire%2520for%25201%252C000%2520dollars%2520a%2520Month.jpg&amp;description=5%20Countries%20Where%20You%20Can%20Retire%20for%201%2C000%20Dollars%20a%20Month"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Countries%20Where%20You%20Can%20Retire%20for%201%2C000%20dollars%20a%20Month.jpg" alt="5 Countries Where You Can Retire for $1,000 a Month" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-almost-anyone-can-afford-to-retire-in-mexico">How Almost Anyone Can Afford to Retire in Mexico</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-things-to-know-before-retiring-abroad">9 Things to Know Before Retiring Abroad</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries">Retire for Half the Cost in These 5 Countries</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-countries-where-you-can-travel-on-30-a-day-or-less">7 Countries Where You Can Travel on $30 a Day or Less</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-let-these-expenses-spoil-your-retirement-abroad">Don&#039;t Let These Expenses Spoil Your Retirement Abroad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement Travel abroad affordable Asia cost of living countries Europe expats expenses food costs international transportation Tue, 11 Jul 2017 08:30:11 +0000 Nick Wharton 1978059 at http://www.wisebread.com 10 Ways for College Students to Save Loads of Money http://www.wisebread.com/10-ways-for-college-students-to-save-loads-of-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-for-college-students-to-save-loads-of-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-609683672.jpg" alt="College student learning how to save loads of money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Between big expenses like tuition and housing, and smaller everyday expenses such as school supplies and coffee, the costs of being a student can rack up fast. According to the College Board, tuition, fees, and room and board at a public four-year in-state school cost an average of $20,000 a year.</p> <p>But there are a lot of ways for students to save money. Here are 10 ways to tackle expenses of every size. (See also: <a href="http://www.wisebread.com/12-easy-ways-to-avoid-student-loan-debt?ref=seealso" target="_blank">12 Easy Ways to Avoid Student Loan Debt</a>)</p> <h2>Big savings</h2> <p>Tuition and housing make up the bulk of student spending, so finding ways to reduce those costs can pay off big.</p> <h3>1. Look at off-campus housing for lower rent</h3> <p>While living on campus can be a fun college experience, university housing often comes with a big price tag. Room and board at my private university cost approximately $10,000 a year &mdash; that's about $1,250 for the eight months school is in session.</p> <p>You may be able to find more competitive rents off campus. Check websites for apartment listings in your college town.</p> <p>Also talk with your university's housing department about opportunities for <em>free </em>housing that may be offered if you provide advising services to younger, first-year students. This could result in huge savings and be an interesting college experience.</p> <h3>2. Apply for scholarships to save money on tuition</h3> <p>Tuition is often the most expensive part of going to school, with some private institutions in the United States charging as much as $33,000 &mdash; and that doesn't include room and board. While federal financial aid can help, it's often not enough.</p> <p>There are a plethora of scholarships available, both locally and nationally, that you can apply for. The best part is, unlike federal student loans, scholarships don't have to be repaid. To find them, check with your university's financial aid office, your high school guidance counselor, your parents' employers, and organizations related to your field of study. Also try using the U.S. Department of Labor's <a href="http://www.careeronestop.org/toolkit/training/find-scholarships.aspx" target="_blank">free scholarship search tool</a>.</p> <h2>Medium savings</h2> <p>Textbooks, entertainment, and transportation all add significant costs to your overall college bill. Try trimming or offsetting these expenses with these suggestions.</p> <h3>3. Save on textbooks</h3> <p>Textbooks can have a very high price tag. When I was a student, I remember books costing up to $100, and sometimes even more for specialized course booklets that included all of the semester's reading assignments. With multiple classes and most classes assigning at least five books per semester, it was easy to spend at least $500 on books alone in a semester, or $1,000 per academic year.</p> <p>Buying used textbooks is one way to save. In my experience, they cost about half the price of new books. You can buy books directly from students who have already taken the course or check online retailers like Amazon for deals on used books.</p> <p>Another option is to rent your textbooks, which means that you will pay a smaller amount upfront to the bookstore, but that the book won't be yours to keep at the end of the semester. <a href="https://www.chegg.com/etextbooks" target="_blank">Chegg</a> and <a href="http://amzn.to/2rqTvcz" target="_blank">Amazon</a> both offer rentals, and both claim you can save up to 90 percent by renting.</p> <p>Alternatively, you can cut out the cost of books entirely by checking them out for free at your college library. Supplies are limited, so you may have to wait to get the book you need, but you can't beat the price. (See also: <a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks?ref=seealso" target="_blank">20 Places to Buy or Rent Textbooks</a>)</p> <h3>4. Sell back your textbooks at the end of the semester</h3> <p>Chances are, you can get some of your textbook investment back by selling your books when you're done using them. You can likely make back a couple hundred dollars at the end of the semester. One easy option is to use Amazon, which has a streamlined process for <a href="https://www.amazon.com/Sell-Books/b?node=2205237011" target="_blank">buying back books</a> for up to 80 percent of what you originally paid. Amazon will then sell the book used. You can also check with your university bookstore, as it may have a program in place to buy back books.</p> <p>A third option is to sell the book yourself. By cutting out the middleman, you'll get to pocket more money from the sale. You can ask around, or post notices on bulletin boards or online to find other students who are going to take the same class. If the book is required reading, chances are you will be able to find a buyer fairly easily with just a little bit of extra work.</p> <h3>5. Participate in studies to earn cash</h3> <p>If you don't have the time to commit to a full-time job, there are plenty of ways to earn on campus without the commitment. Check in with different departments about research studies that they may be running.</p> <p>These opportunities can range from writing tests to filling out questionnaires. Once, I was paid $100 an hour to have scans taken in an MRI machine.</p> <h3>6. Take advantage of free facilities</h3> <p>Familiarize yourself with everything your college or university offers on campus. You can save $50 and up a month on an expensive gym membership, for example, if you have access to this type of amenity for free as a part of your tuition. Some schools also offer free tutoring, software, legal services, and psychological counseling. All of these can save you money.</p> <h3>7. Reduce transportation costs</h3> <p>If you live off campus, consider ditching your car for an economic bicycle that will get you to class for free, saving you on the cost of gas, maintenance, and parking. Public transportation may be another way to get where you need to go without paying car and parking expenses. When you go home at the end of the semester, check with friends and on-campus forums to find out if you can find a ride with someone and split the gas costs.</p> <h2>Small Savings</h2> <p>Even small savings can add up. Check out these ways to pare your everyday expenses.</p> <h3>8. Save on coffee</h3> <p>Some college students have a costly coffee dependency, and at a cafe you can expect to spend as much as $3 to $4 on a coffee. If you are buying coffee once or twice a day, in a month you could be spending over $150!</p> <p>While a coffee maker might cost you a little bit up front, if you are a big coffee drinker it will pay for itself within the first month. Plus, with Italian coffee makers (around $30, depending on which size pot you choose), you can get stronger coffee and a better buzz for late night studying or just getting to your 5 o'clock class.</p> <p>The <a href="http://amzn.to/2pWBu3E" target="_blank">Handpresso</a> is a handheld espresso machine that is as convenient as it is cheap. Simply pump, add boiling water, a coffee pod or loose espresso grounds, and press a button for delicious coffee. Based on my experience buying ground coffee and milk in the grocery store, an Americano with milk only costs around 30 cents per coffee using this machine.</p> <p>If you make two 30-cent coffees per day, rather than buying two at $3 a cup, by the end of the year you could save nearly $2,000 in coffee expenses!</p> <h3>9. Find free events and entertainment</h3> <p>Check if your university offers free lectures, movie screenings, concerts, or other arts events instead of paying big bucks to go to ticketed events. You'll be surprised how much you can do for free with just a student ID. Signing up for a newsletter will help you to stay on top of the cool speakers that the university is hosting.</p> <p>Also use your college library, not just for studying but for entertainment options. Take advantage of newspapers, magazines, and movies that the library offers you to check-out, all completely free. By opting for this type of entertainment and reading materials, you can save a lot of money. With the average movie ticket costing around $9, if you instead go to two free movies per month or watch DVDs from the library, you'll save over $200 by the end of the year.</p> <h3>10. Stay in style for less</h3> <p>Trends move fast, and buying new clothes all the time can add up to significant costs for students. You don't have to completely forget about fashion for four years to stick to a tight budget. Check out thrift stores for fashions at a tiny fraction of the cost of new clothing. Also, find out about consigning the items you no longer want at the end of the semester.</p> <h2>Doing the math</h2> <p>Each item on this list may not seem like a lot &mdash; a coffee here, a movie ticket there &mdash; but when you add it all up over the course of the year, it can mean big savings for students. It's worth the effort to examine which of these costs you could cut, and then start realizing those savings.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-gokee">Amanda Gokee</a> of <a href="http://www.wisebread.com/10-ways-for-college-students-to-save-loads-of-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-financial-aid-might-not-cover">6 Things Financial Aid Might Not Cover</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-saving-too-much-money-for-a-college-fund-is-a-bad-idea">Why Saving Too Much Money for a College Fund Is a Bad Idea</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-saving-hacks-every-college-student-should-try">8 Money-Saving Hacks Every College Student Should Try</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Education & Training coffee college students cutting costs entertainment room and board saving money scholarships textbooks transportation tuition Tue, 23 May 2017 08:30:12 +0000 Amanda Gokee 1949206 at http://www.wisebread.com The 5 Best Folding Bicycles http://www.wisebread.com/the-5-best-folding-bicycles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-folding-bicycles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_folding_bicycle_484743019.jpg" alt="Man using best folding bicycle on his commute" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people simply don&rsquo;t have enough space to store a bike. Fortunately, a folding bike can get you where you need to go without taking up much space. This makes them particularly ideal for apartment dwellers, commuters who want to bring their bike on public transit, or anyone who just can&rsquo;t devote the storage space for a bike.</p> <p>Whether you want to take up riding or want to pursue new affordable transportation options, a folding bike can provide just what you need, without sacrificing much. Some folding bicycles even work for long distances thanks to the small, strong wheels, but they normally aren&rsquo;t as fast or as stable as a traditional full-size bike.</p> <h2>What Is a Folding Bicycle?</h2> <p>A folding bicycle is a bicycle designed to conveniently fold into a compact size when it&rsquo;s not in use. This makes it easy to transport and store. They can fold up so small that you can store them in your apartment, office, or even the trunk of your car. The best part about having your compact bike with you at all times is you never have to lock it up or worry about theft.</p> <p>Folding bikes come in a wide range of sizes, colors, and options. When you&rsquo;re shopping for one, you&rsquo;ll want to find something lightweight and durable that can be folded up small, in no time flat.</p> <h2>Top 5 Folding Bicycles</h2> <h3>Dahon Mariner D7 Folding Bike</h3> <p><a href="http://amzn.to/2oKLvQY"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dahon.jpg" width="245" height="168" align="right" alt="" /></a>The <a href="http://amzn.to/2oKLvQY" target="_blank">Dahon Mariner D7 Folding Bike</a> is designed for boaters and anyone who likes to take their bike to the beach. The durable bike is built to withstand the elements and the rust-resistant coating and chain can withstand salty air, making it ideal for boat storage. The low-profile design features a brushed aluminum frame, 20-inch wheels, seven different speeds, a high seat, and adjustable handlebars for optimal riding comfort. The flexible riding system also allows you to adjust your ride position to suit different road conditions. It also features a Dahon Neos rear derailleur for smooth, quick shifting. It conveniently folds up in less than 15 seconds and easily unfolds in seconds. It is light enough to carry on public transport and small enough to store in your apartment or boat hold.</p> <p>Consumer Search deemed this the best folding bike and it is recommended by Heavy.com. The <a href="http://amzn.to/2qgbocs" target="_blank">Dahon Vitesse i7 7-Speed Folding Bicycle</a> is another highly rated option.</p> <p><a href="http://amzn.to/2oKLvQY" target="_blank"><em>Currently $579.00 on Amazon</em></a></p> <h3>Schwinn Folding Bike</h3> <p><a href="http://amzn.to/2qgl4nF"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/schwinn_0.jpg" width="245" height="177" align="right" alt="" /></a>The <a href="http://amzn.to/2qgl4nF" target="_blank">Schwinn 20-Inch Loop Folding Bike</a> folds up small in just 15 seconds for easy transport and storage. The step-through design features a low standover frame and rigid fork, which makes it easier to mount and dismount. It features 20-inch wheels, mounts for a water bottle and rear rack, and alloy linear pull brakes for a smooth ride. The seven-speed functionality with shifters can also help you get up hills easily. It also has a stay clean pant guard and front and rear fenders to keep dirt off your clothes.</p> <p>Reviewers agree that this can provide a stable, comfortable ride. It comes in various colors and includes a heavy nylon storage bag. It is recommended by Consumer Search, comes from the trusted Schwinn brand, and is backed by a lifetime warranty.</p> <p><a href="http://amzn.to/2qgl4nF" target="_blank"><em>Currently $215.99 on Amazon</em></a></p> <h3>Vilano Urbana Folding Bike</h3> <p><a href="http://amzn.to/2qgFcWI"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/vilano.jpg" width="245" height="175" align="right" alt="" /></a>The compact <a href="http://amzn.to/2qgFcWI" target="_blank">Vilano Urbana Single Speed Folding Bike</a> quickly and easily folds away for storage. The minimalist bike is super lightweight at only 21.5 lbs. It is ideal for urban commuting in flat areas and has mounts for a water bottle and a rear rack. The stylish single speed aluminum bike features a coaster brake, 20-inch wheels, and a comfortable saddle.</p> <p>This is available in a range of colors. It is recommended by Consumer Search, is an Amazon best-seller, and is one of the &ldquo;Most Wished For&rdquo; items on Amazon.</p> <p><a href="http://amzn.to/2qgFcWI" target="_blank"><em>Currently $175.04 on Amazon</em></a></p> <h3>GTM Foldable Bicycle Folding Bike Shimano Hybrid</h3> <p><a href="http://amzn.to/2pnxzAp"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/gtm.jpg" width="245" height="187" align="right" alt="" /></a>The <a href="http://amzn.to/2pnxzAp" target="_blank">GTM 20-inch Foldable Bicycle Folding Bike Shimano Hybrid</a> has six speeds and a rear derailleur to improve your ride in any traffic condition. The 20-inch folding frame conveniently folds up in steps for easy storage. The six-speed bike features adjustable handlebars, an adjustable seat, a heavy-duty kickstand, and linear pull brakes for comfortable riding. This is available in various different colors. It is an Amazon best-seller and one of the &ldquo;Most Wished For&rdquo; items on Amazon.</p> <p><a href="http://amzn.to/2pnxzAp" target="_blank"><em>Currently $108.90 on Amazon</em></a></p> <h3>Stowabike Folding City V2 Compact Foldable Bike</h3> <p><a href="http://amzn.to/2q9uFQw"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/stowabike.jpg" width="245" height="173" align="right" alt="" /></a>The <a href="http://amzn.to/2q9uFQw" target="_blank">Stowabike 20-inch Folding City V2 Compact Foldable Bike</a> is ideal for urban commuting. The compact 20-inch steel folding frame can be easily folded and stored. It features 20-inch tires, built-in steel mud guards to keep you clean, and a built-in rack for carrying your goods. The six-speed Shimano Gear System and rubber grips also offer smooth riding. This is an Amazon best-seller and has outstanding online reviews.</p> <p><a href="http://amzn.to/2q9uFQw" target="_blank"><em>Currently $129.99 on Amazon</em></a></p> <p>And those are our recommendations for the best folding bicycles. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-folding-bicycles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-electric-bicycles">The 5 Best Electric Bicycles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-bicycle-lights">The 5 Best Bicycle Lights</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luxury-pens">The 5 Best Luxury Pens</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-beach-umbrellas">The 5 Best Beach Umbrellas</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-eye-masks">The 5 Best Eye Masks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Lifestyle Shopping 5 best bicycles bikes folding bicycles product reviews shopping transportation Thu, 27 Apr 2017 08:00:10 +0000 Andrea Cannon 1935492 at http://www.wisebread.com The Easy Way to Save Up a Big Travel Budget http://www.wisebread.com/the-easy-way-to-save-up-a-big-travel-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-easy-way-to-save-up-a-big-travel-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-516262792.jpg" alt="Woman learning how to save up a big travel budget" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Traveling is an undeniably amazing experience, but as with so many of the finer things in life, it does come with a price tag attached. Cost is unfortunately one of the biggest factors that prevents people from traveling.</p> <p>However, if getting to see the world is a serious goal of yours, this may be the perfect time to renew your focus on savings so that you can afford to pay for your wanderlust. (See also: <a href="http://www.wisebread.com/15-easy-ways-to-save-for-your-dream-vacation?ref=seealso" target="_blank">15 Ways to Save for Your Dream Vacation</a>)</p> <h2>Set a goal and deadline</h2> <p>To help you get motivated to save more, set a clear goal and a timeline. The more specific the goal, the better, since it will allow you to visualize your trip and get excited about it. For instance, if you've dreamed about taking a trip to Europe for years, decide on your top destinations and how long you want the trip to last. That will help set a ballpark budget figure to aim for.</p> <p>Next, attach a savings deadline &mdash; for example, decide that you will buy your plane tickets within the next six to 12 months. Don't give yourself much more time, or you'll lose the urgency to put money away <em>now</em>.</p> <p>Having this type of a clear savings goal will help you stay motivated and make your trip feel more like a reality and less like a distant dream. It will also give you a schedule for your savings, allowing you to calculate how much you need to set aside each month to be able to afford your upcoming trip.</p> <h2>Slash unnecessary spending</h2> <p>Your goal will help you find the motivation to make some of the sacrifices that come with putting more money toward savings. You will want to shift your mindset from the short-term gratification of an immediate purchase (whose charm almost always wears off quickly) to the long-term gratification that comes from an experience that will leave you with memories for a lifetime.</p> <p>You may be surprised to realize how much of your spending is discretionary. Think of anything you are spending money on that you could live without. For instance, you can save a lot of money by cooking for yourself, instead of going out to eat. Even less-than-fancy meals at restaurants like Panera or Chipotle can cost $7 and up. If you indulge in this convenience three times a week, you're spending $84 a month. Substitute each of those meals with frugal home cooked meals and save.</p> <p>A car can be a significant expense, so if you can do without it you are setting yourself up for big savings. According to AAA, it costs the average American car owner around $8,558 to own and maintain their vehicle each year (this includes $3,759 in depreciation but doesn't include car payments). Even if you factor out the depreciation, that still means Americans are averaging $4,799 a year just to run our cars.</p> <p>In contrast, Numbeo.com reports the average cost of a monthly transport pass in the United States is around $70, or $840 a year. If you live in an area with good public transportation, you could potentially pocket more than $3,900 a year by giving up your car.</p> <p>If you can't completely forego having a car, you could still reduce your transportation expenses by driving less often. Walk, bike, carpool, or take public transportation instead. You'll not only save on gas, but also parking.</p> <p>Need inspiration to cut costs? Consider this woman from the U.K. who essentially <a href="http://www.telegraph.co.uk/women/life/buy-nothing-year-one-woman-saved-22000/" target="_blank">spent nothing for an entire year</a>. While that may sound drastic, her savings while living in notoriously expensive London added up to nearly $27,000. Even half that amount would make a significant travel budget.</p> <h2>Work more, spend less</h2> <p>During one six-month period of my life I saved $12,000, which then allowed me to travel comfortably for the next six months without any income. I was able to do this by ensuring that my costs were as low as possible</p> <p>I split a $500 studio apartment with a roommate, so my rent was only $250 a month. Living quarters were cramped, but I was hardly ever there. I worked three jobs so I could make more money (around $2,500 a month). My 50-60 hours-a-week work schedule also meant that I had less time to spend my earnings.</p> <p>I was able to keep grocery costs to $100 a month because I was working in the food industry at the time. My other main costs were gas ($50 a month), and the cheapest cellphone plan I could find ($30 a month).</p> <p>For fun, I mostly did free activities, taking advantage of the fact that I lived in the mountains in California. I could go hiking and biking for free and there were often free concerts in the evenings. When I needed new clothes for work, I would get them from the local thrift store for $10&ndash;$15.</p> <h2>Get rewarded for your purchases</h2> <p>There are many ways to use various types of credit cards so that you get rewarded for your necessary expenditures. Especially for major expenses such as gas, groceries, and plane tickets, selecting the appropriate credit card can help you save a significant amount of money. (See also: <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year?ref=seealso" target="_blank">How to Save an Extra $1,095 a Year</a>)</p> <h3>Grocery credit card</h3> <p>Groceries are a big expense for most people. Since you can't avoid spending at least something on groceries, you may as well get rewarded for your spending. Use a credit card that gives you extra rewards points for every dollar you spend at supermarkets. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=seealso" target="_blank">5 Best Credit Cards for Groceries</a>)</p> <p>You may even be able to stack rewards by using a loyalty card from the supermarket chain where you do most of your shopping. Often these loyalty programs offer you cash discounts that can help cut your overall grocery bill.</p> <h3>Gas credit card</h3> <p>If you just can't live without a car, you can still save on the cost of gas by opening the right credit card. Cards that are co-branded with a particular gas station give you discounts at the pump, usually a few cents per gallon. These cards tend to have high interest rates, though, so if you tend to carry a balance, you'll usually be better off with a rewards credit card that gives you bonus points for purchases made at gas stations. If fuel is one of your bigger expenses, it's worth opening a gas rewards card. (See also: <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?ref=seealso" target="_blank">5 Best Gas Rewards Credit Cards</a>)</p> <h3>Travel credit card</h3> <p>Although you may not be traveling a lot while you save up for your big trip, it's worth getting a <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel rewards credit card</a> well in advance of your trip. By using your travel card for everyday purchases, you can rack up points toward free flights or hotel stays when it comes time to hit the road. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso" target="_blank">5 Steps to a Free Vacation in 9 Months or Less</a>)</p> <p>What's more, most travel cards offer significant <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal">points bonuses</a> when you spend a certain amount within the first few months after opening the account. These bonuses can be worth hundreds of dollars in travel, but you'll need time to meet the required spending amount and wait for the bonus points to be posted to your account.</p> <p>Finally, airline cards often come with free checked baggage and other perks such as free rental car insurance, lost baggage coverage, and trip interruption insurance. (See also: <a href="http://www.wisebread.com/6-types-of-travel-insurance-credit-cards-include-that-you-didnt-know-about?ref=seealso" target="_blank">6 Types of Travel Insurance That Credit Cards Include</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-easy-way-to-save-up-a-big-travel-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%2520Easy%2520Way%2520to%2520Save%2520Up%2520a%2520Big%2520Travel%2520Budget.jpg&amp;description=The%20Easy%20Way%20to%20Save%20Up%20a%20Big%20Travel%20Budget"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%20Easy%20Way%20to%20Save%20Up%20a%20Big%20Travel%20Budget.jpg" alt="The Easy Way to Save Up a Big Travel Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-gokee">Amanda Gokee</a> of <a href="http://www.wisebread.com/the-easy-way-to-save-up-a-big-travel-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-build-your-best-travel-budget">How to Build Your Best Travel Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/money-a-mess-try-this-personal-finance-starter-kit">Money a Mess? Try This Personal Finance Starter Kit</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-little-known-secrets-to-saving-money-on-your-next-cruise">10 Little-Known Secrets to Saving Money on Your Next Cruise</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month">5 Countries Where You Can Retire for $1,000 a Month</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel cash back cutting costs expenses Food groceries rewards saving money transportation trips vacations Thu, 20 Apr 2017 08:30:13 +0000 Amanda Gokee 1927306 at http://www.wisebread.com 9 College Expenses You Aren't Saving For http://www.wisebread.com/9-college-expenses-you-arent-saving-for <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-college-expenses-you-arent-saving-for" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-517076077.jpg" alt="Parent finding college expenses she didn&#039;t save for" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Worried that tuition and room and board will bleed you dry when your kid goes off to college? Pfft. Wait till you get a load of all the expenses you didn't account for! You'll want to sit down for this.</p> <h2>1. College prep items</h2> <p>You'll want to send your kid off to college well prepared &mdash; with things. Things like study and work supplies, dorm room necessities, snack foods, toiletries, a new computer, maybe a new phone. It's amazing how easily items pile up when you're shopping for college.</p> <h2>2. Traveling home and back</h2> <p>No loving parent can go too long without seeing their kid &mdash; especially their freshman year in college. So, you'll need to account for travel costs to get your child back and forth to your home if they attend a school that requires more than a few hours' travel.</p> <p>&quot;Create a travel budget by researching typical costs for airfare, train, or bus, whichever mode of transportation is available to you, and estimate the number of times your child will head home throughout the year,&quot; suggests money-saving expert Andrea Woroch. &quot;If they have a car and are driving [a long] distance away from home, propose that they carpool to save on gas and tolls if applicable.&quot;</p> <p>They can also use a site like <a href="https://www.zimride.com/" target="_blank">Zimride</a>, which will connect them with other college students looking to share a ride.</p> <h2>3. Local transportation costs</h2> <p>If your child has a car on campus, you're looking at the cost of a parking pass plus insurance and gas. If they don't have a car, you'll need to consider a new bike and investigate the cost of public transportation passes. These costs can add up, as well. College students don't tend to be holed up in their tiny dorm rooms while not in class.</p> <h2>4. Food outside the meal plan</h2> <p>College meal plans are expensive enough by themselves, but don't count on those being your child's only source of food. Many campus dining halls close earlier than you probably think, and late night study sessions require energy. Plan on having to send them some extra dollars for groceries, snacks, and late-night diner runs.</p> <h2>5. Greek life</h2> <p>I was interested in joining a fraternity when I went to college. It signified the quintessential coming-of-age experience to me, and I liked the idea of having &quot;brothers,&quot; as I wasn't close with my own growing up.</p> <p>Nice sentiment, but it got expensive real quick.</p> <p>My dues were about $400 per semester, I wanted to buy new clothes every time we had a formal or theme party, and if something went wrong in the house &mdash; like the one time a drunk alumni brother smashed up our soda machine &mdash; we had to collectively cover the cost. By the end of four years, I had spent thousands of dollars to be part of this exclusive club &mdash; which, in hindsight, was worth every penny considering the memories I made. So, I guess what I'm saying here is &hellip; grab your checkbook.</p> <h2>6. Sports and extracurriculars</h2> <p>If you're the parent of a child whose athletic skills have earned them a college scholarship, congrats; consider yourself lucky. On the other hand, if your child is perfectly average but still wants to play sports or join extracurriculars, you'll need to cough up the cash.</p> <p>&quot;Sometimes participating in extracurricular activities on campus can cost extra money,&quot; says Johan Zhang, co-founder of CollegeVine. &quot;Whether it's paying for club dues, schoolwide participation fees, or even apparel, at many colleges there exists a hidden cost to joining and being an active member in extracurricular activities..&quot;</p> <p>Be sure to consider this and save up in advance.</p> <h2>7. Your trips to see your child</h2> <p>Bringing your kid home is going to cost you, and so is traveling to visit your child. You may also want to attend things like orientation weekend, parents' weekend, and other events hosted by the college. You'll need to factor in transportation, lodging, and food, so budget wisely.</p> <h2>8. Off-campus living</h2> <p>Eventually your kid will outgrow the dorm and want to live off-campus. This usually happens around junior year, but sometimes you can hold it off until senior year. With that comes the expense of monthly rent, renter's insurance, furniture, utility bills, and a security deposit that you're never going to see again. Make amends with that right now; it's already spent.</p> <h2>9. The extended plan</h2> <p>Listen, I'm rooting for you to get your kid in and out of college in four years, but, well... the odds aren't in your favor.</p> <p>&quot;At most public universities, over 80 percent of students will take more than four years to graduate due to overcrowded or unavailable classes,&quot; say Adrian Ridner, CEO and co-founder of Study.com. &quot;That means if you are planning on four years of college expenses, you could be under budgeting by 25 percent to 50 percent. Taking low cost college courses online can be a great way to stay on track and graduate on time. Another factor that can extend your child's time in school is lack of college readiness. This may mean completing remedial courses that do not count toward graduation.&quot;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/9-college-expenses-you-arent-saving-for">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-what-you-need-to-know-before-buying-a-college-meal-plan">Here&#039;s What You Need to Know Before Buying a College Meal Plan</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-financial-aid-might-not-cover">6 Things Financial Aid Might Not Cover</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-surprising-ways-to-get-more-college-financial-aid">12 Surprising Ways to Get More College Financial Aid</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-you-should-budget-your-social-security-checks">Here&#039;s How You Should Budget Your Social Security Checks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Education & Training college dining plans dorm rooms expenses food costs fraternities hidden costs kids sororities students transportation travel Tue, 11 Apr 2017 08:00:16 +0000 Mikey Rox 1923858 at http://www.wisebread.com 6 Things Financial Aid Might Not Cover http://www.wisebread.com/6-things-financial-aid-might-not-cover <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-things-financial-aid-might-not-cover" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kid_books_piggybank_626639020.jpg" alt="Guy learning things financial aid might not cover" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most students and parents realize that it's crucial to apply for financial aid, regardless of what your financial status may be. However, many families don't realize how expensive college can be, even if you receive a great financial aid package. It's important to recognize what items financial aid may not cover so that you can be better prepared for the school year ahead.</p> <h2>What Is Covered</h2> <p>Every student's financial aid package is different, so there are no exact expectations on how much you will receive and what will be covered. The package is based on the full cost of college, which includes tuition and fees, room and board, and sometimes, things like books and school supplies. Financial aid may also cover a summer session, but again, it all depends on how much is included in your particular package.</p> <p>If you live at home or off-campus, your package may include an allowance for things like transportation, housing, and food. If you live on campus, the dorm room and required meal plans may be covered.</p> <h2>What Isn't Covered</h2> <p>Students should be prepared for unexpected charges, which can quickly become overwhelming. Some of the most common college costs not covered by financial aid include:</p> <h3>1. Transportation</h3> <p>Some schools offer aid for transportation, but it's rare and something you should budget for. You'll need to find money for gas or public transportation. There may also be parking fees, campus shuttle fees, and transportation costs to travel back home during the summer and winter breaks.</p> <h3>2. School Supplies</h3> <p>Books may or may not be covered by a financial aid package, but you will still need to find money for pens, pencils, notebooks, and any other school supplies you may need for the semester. You may also be charged extra for art supply fees or other course necessities. You may also need to purchase things like a new laptop or printer for your dorm room.</p> <h3>3. Dorm Supplies</h3> <p>If you'll be living on campus, you'll need to buy items for your dorm. This can include everything from a mini fridge and television to new sheets and beanbag chairs.</p> <h3>4. Lab Fees</h3> <p>There are frequently lab fees, equipment charges, and other fees associated with certain courses.</p> <h3>5. Activity Fees</h3> <p>If you're planning on participating in sports, clubs, sororities or fraternities, or other on-campus activities, there will be additional fees.</p> <h3>6. The College Experience</h3> <p>Part of the fun of college is going out and meeting new friends, which will result in costs for eating out, going shopping, going to concerts or sporting events, and paying for other forms of entertainment.</p> <h2>How to Fill in the Gap</h2> <p>According to Damian Rothermel, a CFP who specializes in college funding, it's possible to <a href="http://www.forbes.com/sites/learnvest/2014/03/24/9-things-you-probably-didnt-know-about-financial-aid-for-college/2/#7c72a39223a1" target="_blank">negotiate your financial aid package</a>. He says that once you receive your financial aid package, you can contact the school to appeal for more money.</p> <p>For instance, if the Expected Family Contribution is too high, you can appeal the offer. You can also provide documentation to support your request for increased funding.</p> <p>If a student needs more funding for the school year, then there are a number of options available.</p> <ul> <li>Grants and scholarships. There is no limit on how many scholarships you can apply for, so it's best to get into the routine of searching for and applying for scholarships whenever possible.<br /> &nbsp;</li> <li>Work-study jobs. Students can earn money through work-study jobs either on or off campus.<br /> &nbsp;</li> <li>Part-time jobs. There are endless part-time jobs available to students, which can help them earn the extra money needed for items that aren't covered by financial aid.<br /> &nbsp;</li> <li>Payment plans. The school may have payment plans available, allowing you to spread the remaining costs you owe throughout a semester.<br /> &nbsp;</li> <li>Student loans. Student loans should be your last resort, as the last thing a student wants after graduation is to be saddled with debt. Your best bet is to first apply for a federal loan, which offers flexible payments if you don't find employment after college. There are also private or alternative loans available to students. Many banks also offer special student loan rates that you may not have to begin paying off until graduation.</li> </ul> <p>If you still have questions about how to fill in the gap, the school's financial aid office is available to help however they can. You may want to call and speak with them about how you can receive more funding. They may be able to help you find scholarships, part-time work, and good private student loans.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/6-things-financial-aid-might-not-cover">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-moves-every-new-college-student-should-make">7 Money Moves Every New College Student Should Make</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/css-is-one-source-of-college-financial-aid-you-cant-afford-to-overlook">CSS Is One Source of College Financial Aid You Can&#039;t Afford to Overlook</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-sobering-facts-about-student-loan-debt">5 Sobering Facts About Student Loan Debt</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-questions-to-ask-before-taking-out-student-loans">6 Questions to Ask Before Taking Out Student Loans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training college financial aid higher education not covered room and board student loans students transportation tuition Tue, 24 Jan 2017 10:30:36 +0000 Andrea Cannon 1876850 at http://www.wisebread.com How to Avoid Theft While Traveling http://www.wisebread.com/how-to-avoid-theft-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-avoid-theft-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wallet_theft_187934619_0.jpg" alt="Woman avoiding theft while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Travel can be a beautiful and life-changing experience, however, it does come with its own set of risks. By setting out in a prepared way, you can reduce the chance of having a horror story to bring back home with you. (See also: <a href="http://www.wisebread.com/7-ways-to-protect-yourself-from-theft-while-traveling?ref=seealso" target="_blank">7 Ways to Protect Yourself From Theft While Traveling</a>)</p> <p>While some destinations have reputations for being dangerous, petty crime like pickpocketing and theft can occur in pretty much any major city in the world. It exists in Paris, just as it does in New York. (See also: <a href="http://www.wisebread.com/what-to-do-when-your-belongings-get-stolen-abroad?ref=seealso" target="_blank">What to Do When Your Belongings Get Stolen Abroad</a>.)</p> <p>You may want to research your destination before you leave home to get an idea for the major concerns that you will face on arrival, and to develop the strategies you might follow once you're there. It helps to have a <a href="http://www.wisebread.com/4-surprising-reasons-to-always-use-your-credit-card?ref=internal">credit card that offers purchase protection</a> insurance against theft or accidental damage. While it doesn't help to be suspicious of everyone, you do need to be aware of some basic procedures and guidelines for safety. (See also: <a href="http://www.wisebread.com/follow-these-5-credit-card-rules-when-traveling-abroad?ref=seealso" target="_blank">Follow These 5 Credit Card Rules When Traveling</a>)</p> <h2>Be Aware, Not Afraid</h2> <p>While you're traveling, you may find yourself at times out of your comfort zone. This is a completely normal part of traveling and it can arise from something as simple as not speaking the local language. Your discomfort does not mean that you're in a particularly risky situation.</p> <p>However, regardless of how you're feeling, it's important to project an attitude of confidence. If you do find yourself in a situation that you're uncomfortable with, confidently take action to get yourself out of that situation.</p> <p>If you appear to be frightened, you may make yourself seem like an easier mark for petty crime. Instead, you should focus on having a good time while always being aware of your surroundings.</p> <p>Be especially alert when taking public transportation as this is a common place for pickpockets to strike. (See also: <a href="http://www.wisebread.com/travel-and-money-carrying-decoy-wallets?ref=seealso" target="_blank">How to Use a Decoy Wallet When Traveling</a>)</p> <h2>Keeping Your Stuff Safe</h2> <p>What kind of bag did you choose to bring with you? The most secure bags for traveling always close securely. This means they have a zipper or a front flap that closes tightly so that pickpockets can't get their hands into them easily (or at all!).</p> <p>Avoid walking around with valuables or money in your back pockets. Instead, put your stuff in your front pockets where you'll notice if anyone's trying to grab it.</p> <p>Sometimes pickpockets work in groups, so there may be someone chatting with you as a distraction. This doesn't mean you need to be wary of every person that comes your way to talk to you, but if the situation doesn't feel comfortable, listen to your intuition and find a way to get out of it quickly &mdash; and confidently. (See also: <a href="http://www.wisebread.com/travel-and-money-how-to-get-and-carry-cash-safely-and-securely?ref=seealso" target="_blank">How to Get and Carry Cash Safely and Securely</a>)</p> <h2>Understand Your Surroundings</h2> <p>Travel is amazing because it means you get to check out uncharted territory. However, it's always a good idea to either research online or talk to locals once you get there. If there are neighborhoods that they avoid, for example, it's better to know about them before you end up wandering there.</p> <p>Some places will be perfectly safe to walk around during the day, but are better off avoided at night. Know how and where to get a reliable taxi. You can ask the receptionist or concierge at your hotel and they will likely give you an informed answer. Just make sure you take the time to ask; then you can explore in a carefree and safe way.</p> <h2>Avoiding Theft at Your Hotel</h2> <p>If there is a safe in your hotel, it's a good idea to store your valuables (cash, passport, credit cards you won't be using) there. If you don't have a safe, consider another secure place. Remember, your wallet may not be the best choice since it's the most obvious place that a thief would check for cash.</p> <p>If you're staying in hostels, they will usually have a locker where you can put your belongings. Remember to travel with your own lock since sometimes a hostel won't provide them, and if they do provide them, you have no way of knowing who else has a copy of the key. (See also: <a href="http://www.wisebread.com/10-ways-to-keep-your-laptop-safe-when-traveling?ref=seealso" target="_blank">How to Keep Your Laptop Safe When Traveling</a>.)</p> <h2>And During Transport</h2> <p>Airlines rightly recommend that you never check valuables. Tablets, cameras, and computers all need to be packed into your carry on bag. The reason for this is straightforward; a checked bag will be out of your eyesight and in the hands of strangers for the majority of your time in transit. Keep them close.</p> <p>For train and bus travel, be cautious especially during overnight trips. Again, the bag that you check under the bus or at the end of the aisle of a train car is the bag that's at a higher risk of going missing.</p> <p>For overnight buses or trains, consider a money belt that you can tuck into your pants while you sleep. This will give you peace of mind and a reasonable defense against pickpockets or thieves who will look to target you in your sleep. You are at a higher risk while traveling alone, so you may want to find a travel buddy, even if it's just for a few days.</p> <h2>To Money Belt or Not?</h2> <p>Outside of those overnight journeys, you may want to use a money belt for daily use, too. This is a personal choice and there are solid arguments on either side of it. Some people will never use a money belt because it feels clunky. You can argue that when you pull out or otherwise show the money belt, it will pinpoint you as a tourist and may make you a more likely pickpocketing target. If locals aren't using money belts, why should you?</p> <p>However, if you feel comfortable hiding money on your person in this way, there's nothing wrong with that either.</p> <p>If you're keeping money in a bag, be sure that it's in a zipped compartment. You may also want to consider separating your money, so maybe you have some in your pocket and some in your bag. This way if some of it does get stolen, chances are that not everything will get lifted. Also consider keeping some emergency cash or credit card with a list of contacts somewhere very safe, in case you do lose everything you're carrying. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=seealso" target="_blank">Best Credit Cards to Use While Traveling</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-avoid-theft-while-traveling&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%20to%20Avoid%20Theft%20While%20Traveling.jpg&amp;description=How%20to%20Avoid%20Theft%20While%20Traveling" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Avoid%20Theft%20While%20Traveling.jpg" alt="How to Avoid Theft While Traveling" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/how-to-avoid-theft-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-protect-yourself-from-theft-while-traveling">7 Ways to Protect Yourself From Theft While Traveling</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-countries-where-you-can-travel-on-30-a-day-or-less">7 Countries Where You Can Travel on $30 a Day or Less</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-sneaky-vacation-costs-that-add-up-quickly">10 Sneaky Vacation Costs That Add Up Quickly</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-the-united-states-should-copy-from-other-countries">10 Things the United States Should Copy From Other Countries</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-should-never-pack-for-vacation">5 Things You Should Never Pack for Vacation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel luggage money belts out of town pickpockets protection safety theft transportation vacation valuables Mon, 16 Jan 2017 11:00:11 +0000 Nick Wharton 1870055 at http://www.wisebread.com Don't Forget About These 7 Job Hunting Expenses http://www.wisebread.com/dont-forget-about-these-7-job-hunting-expenses <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/dont-forget-about-these-7-job-hunting-expenses" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_shaking_hands_492496092.jpg" alt="Man forgetting about job hunting expenses" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Thinking about changing careers this year? There's a lot that goes into the search, like sending out applications and brushing up on your interview skills. But you might not consider how much it'll cost you.</p> <p>From hiring a professional resume writer to bulking up your work wardrobe and factoring in transportation costs, let's review these tips on how to prepare your money for a job hunt.</p> <h2>1. Hire a Pro to Polish Your Resume</h2> <p>Plenty of HR directors will tell you that if your <a href="http://www.wisebread.com/10-resume-mistakes-that-will-hurt-your-job-search?ref=internal" target="_blank">resume contains errors</a>, if it's lackluster, or if it's just plain boring, it's likely to end up in the circular file. That's a trash can, for the uninitiated. (See also: <a href="http://www.wisebread.com/4-resume-rules-you-should-be-breaking?ref=seealso">4 Resume Rules You Should Be Breaking</a>)</p> <p>To give yourself a fighting chance against all the other qualified candidates, you have to stand out. You can beef up your resume on your own if you know what you're doing (and there are plenty of resources online to help you), but you also may want to consider hiring a professional resume writer whose job it is to keep up on resume trends and provide you with the most up-to-date vitae.</p> <p>A good writer charges anywhere from $150 and up for a revamp of your resume, though I probably wouldn't pay more than $300. Before you begin, however, ask for samples and references. Anybody can put a resume together &mdash; we've all done it for ourselves &mdash; but does the person you're paying get results? Research a solid writer so you don't waste your money. Some other resume-related expenses for which to plan include resume paper and printer ink.</p> <h2>2. Invest in Professional Headshots</h2> <p>Social media has been a bane for job seekers since it took off 10 years ago, and I can almost guarantee that your future employer will look you up on Google and investigate your social media profiles to get a better idea of who you are outside of the interview. As such, don't shoot yourself in the foot before you get in the door by leaving up posts and photos that don't portray you as a reliable person who's looking to advance their career.</p> <p>First, scrub your profiles of any offensive material. You don't have to go through all your photos and delete every picture of you with a drink in it, but, you know, use common sense when deciding whether or not the photo of you hanging halfway out of a taxi window at 2 a.m. is the best representation of you. Second, if there are no photos of you looking professional, get some &mdash; stat!</p> <p>Career coach Devay Campbell recommends investing in a professional headshot for your LinkedIn Profile &mdash; at the very least &mdash; which may have residual effects.</p> <p>&quot;Your future employer will look you up and if your profile is optimized correctly, you may even have profile views from recruiters in organizations that you have not applied to,&quot; she says.</p> <h2>3. Save Up Enough to Cover the Transition Period</h2> <p>Not every job change has you leaving your old workplace on a Friday afternoon and showing up at your new place of employment early Monday morning. There may be a transition period &mdash; especially if you left the old job before you landed a new gig &mdash; and you should prepare for that financially. Give yourself at least a three- to four-week window of savings that you can rely on, Campbell says, so you're not struggling or teetering on the verge of debt.</p> <h2>4. Enhance Your Wardrobe to Show You Mean Business</h2> <p>They say you should dress for the job you want, not the job you have. And that makes perfect sense when you're interviewing for a new position &mdash; because you want that job. Thus, take your frumpy butt over to your favorite store that sells business attire and pick up a few new items. This will likely set you back a few hundred dollars. But it's well worth it to show your future employer that you know what's up as soon as you walk through that door. Looking fresh also will give you more confidence, and that'll show.</p> <h2>5. Factor in Transportation Costs</h2> <p>You'll need to get to your interviews somehow, and that'll raise your fuel bill if you're driving. But depending on where you're applying for new positions, you may have to get there via other methods, like train or plane.</p> <p>When I was looking for jobs in Manhattan a decade ago, I had to foot the bill myself, generally opting to take a bus or train from Baltimore to New York City. If you're being considered for a high-level position, you may get special treatment wherein the potential employer will fly you out, but otherwise you shouldn't count on anybody subsidizing the cost of getting you to that interview.</p> <p>If you are traveling a distance, remember to factor in arrival and departure times. Don't book a ticket in the morning for an afternoon interview. Give yourself more time to get there and relax. Besides, you don't know what could happen along the way in terms of delays, and you'll be disappointed in yourself when you're passed over because you couldn't show up at your scheduled interview time.</p> <h2>6. Will You Need Domestic Help?</h2> <p>Conducting a job search is time-consuming and other parts of your life could suffer if you're not careful. If you have children, you may need to hire a baby sitter or someone to help around the house if you're otherwise occupied. If you're a pet owner, you might need to spring for day care or sitting so your furbaby is well taken care of while you're out doing your thing. Think about the impact your search will have on the other parts of your life and plan accordingly.</p> <h2>7. Do the Math Before Accepting a New Position</h2> <p>For most of us, the goal of changing careers is to be happier at what we do with a higher salary. Hey &mdash; that's America.</p> <p>But before you accept that initial offer &mdash; which you should never do immediately as a general rule; take a day to think about it &mdash; look into what you're losing or gaining by switching things up. Your new employer may have higher-cost health insurance, and it may not provide matching funds to your 401K. If this is the case, you may not be winning financially in the long run, and you'll kick yourself for it eventually. Do your homework and crunch the numbers to ensure that all your needs are met before committing to the change.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/dont-forget-about-these-7-job-hunting-expenses">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-questions-you-should-always-ask-at-the-end-of-a-job-interview">15 Questions You Should Always Ask at the End of a Job Interview</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-warning-signs-youre-going-to-bomb-your-job-interview">8 Warning Signs You&#039;re Going to Bomb Your Job Interview</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-financial-moves-to-make-the-moment-you-get-fired">11 Financial Moves to Make the Moment You Get Fired</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-keep-your-new-job-hunt-secret">6 Ways to Keep Your New Job Hunt Secret</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting employment expenses headshots job interviews professional resume transportation unemployment wardrobe Wed, 11 Jan 2017 10:00:15 +0000 Mikey Rox 1864687 at http://www.wisebread.com The 5 Best Bicycle Lights http://www.wisebread.com/the-5-best-bicycle-lights <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-bicycle-lights" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/vintage_bike_light_171237175.jpg" alt="Using the best bicycle lights" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you regularly commute by bike or just like the occasional night ride, you need a bike light to help you ride more safely. You can ride with confidence and instantly improve your visibility and safety with a bike headlight or taillight.</p> <h2>What Is a Bicycle Light?</h2> <p>A bike light is an illumination source that can be attached to your bicycle, which allows you to see better and allows you to be seen by oncoming drivers and pedestrians. You can choose from front, rear, and side lights, which can be mounted to the handlebar, helmet, or rear of the bike.</p> <p>Bicycle lights are an absolute essential for your personal safety, especially at night or where visibility and safety are a concern. They will also allow you to better see obstacles on the roadway, even in the dark and in incremental weather. (See also: <a href="http://www.wisebread.com/night-biking-get-set-up-to-ride-the-night-away?ref=seealso">Night Biking: Get Set Up to Ride the Night Away</a>)</p> <h2>Top 5 Bicycle Lights</h2> <h3>Blitzu Cyborg USB Rechargeable Bicycle Tail Light</h3> <p><a href="http://amzn.to/2hu89LE"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/blitzu.jpg" width="200" height="200" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in bike taillights, the <a href="http://amzn.to/2hu89LE">Blitzu Cyborg 168T USB Rechargeable Bicycle Tail Light</a>, has a wide-beam of eye-catching red light for high intensity. The lightweight, stylish light is larger and brighter than most other lights, so you can rest assured that you will be seen from blocks away.</p> <p>The safety light has six modes with up to a five-hour run time. The super bright rechargeable rear LED bicycle light fits on any road bikes or helmets. It offers 180-degree visibility and has horizontal or vertical mounting options. It is water resistant and has a weather-tight design, so you can use it in all conditions. It has a two-hour charging time and an automatic, fully charged cutoff system. The simple control button is conveniently located on top of the light for easy access.</p> <p>This is easy to install with no wires or external batteries. It is an Amazon best-seller and has outstanding online reviews, including more than 1,300 five-star reviews on Amazon. It is backed by a 30-day money back guarantee and a one-year warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2hu89LE"><em>Currently $18.82 on Amazon</em></a></p> <h3>BV Bicycle Light Set Super Bright 5 LED Headlight</h3> <p><a href="http://amzn.to/2gFntro"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bv.jpg" width="245" height="176" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in bike headlights, the affordable <a href="http://amzn.to/2gFntro">BV Bicycle Light Set</a> includes a five-white LED Headlight with 30-40 feet range and a three-red LED Taillight. The super bright lights have up to 80 hours of battery life. The cutaway design allows light to pass through the sides for better visibility. With this set, you will be visible to motorists up to 1,500 feet away.</p> <p>There are three modes on each durable light: Steady, Flashing, and Emergency. The headlight is angle adjustable to the left or right and the taillight is adjustable either up or down. The set is weather-resistant and water-resistant, so you can ride confidently in any condition. You can even remove the headlight to use as a flashlight for emergency situations.</p> <p>These are easy to install and remove with a tool-less handlebar mount and an angle adjustable clip-on quick-release clip. They fit most handlebars and seatposts. The set requires six AAA batteries, which are not included. It has outstanding online reviews, including more than 2,100 five-star reviews on Amazon. It is also backed by a one-year warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2gFntro"><em>Currently $8.18 on Amazon</em></a></p> <h3>Light and Motion Urban 350 Bike Headlights</h3> <p><a href="http://amzn.to/2gIH5t9"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/light%20and%20motion.jpg" width="245" height="189" align="right" alt="" /></a>The <a href="http://amzn.to/2gIH5t9">Light and Motion Urban 350 Bike Headlight</a> offers up to 12 hours of runtime. The waterproof micro-USB rechargeable light can handle any weather conditions and can withstand drops on concrete from one meter. The bright light features four modes, a colored battery status indicator, and a lockout mode, so it doesn&rsquo;t burn itself out by accident. It offers an ideal beam pattern thanks to high-quality custom optics, which put the light where it&rsquo;s needed most so you can easily be seen. It also features powerful amber side lights for better visibility to alert cars.</p> <p>The universal mounting strap and quick-release handlebar mount make it easy to install and charge without the use of any tools. It includes a Micro USB Charge Cable and is available in a range of colors. It is backed by a two-year warranty for your added peace of mind. The Sweethome calls this the best headlight available. Heavy.com recommends a number of Light &amp; Motion lights, so you can&rsquo;t really go wrong with the brand.</p> <p><a href="http://amzn.to/2gIH5t9"><em>Currently $49.99 on Amazon</em></a></p> <h3>CygoLite Hotshot 50 lm USB Rechargeable Bicycle Tail Light</h3> <p><a href="http://amzn.to/2gxUdhC"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cygolite.jpg" width="155" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2gxUdhC">CygoLite Hotshot 50 lm USB Rechargeable Bicycle Tail Light</a> lasts up to 500 hours on a single charge. The compact light is bright and easy to mount. It has six lighting modes and is water-resistant, so it works in all conditions. The on-site programmable (sop) technology allows for easy adjustments of the brightness and flash speeds. The new design also has an easier-to-push power button.</p> <p>This includes a mini USB charging cable, seatpost mount, and seat stay mount. It is an Amazon best-seller and The Sweethome calls it the best taillight available. If you&rsquo;d prefer a helmet mount, consider the <a href="http://amzn.to/2gIG8RL">Cygolite Expilion 850 USB Light with Helmet Mount</a> instead.</p> <p><a href="http://amzn.to/2gxUdhC"><em>Currently $28.98 on Amazon</em></a></p> <h3>Blitzu Gator 320 POWERFUL Bicycle Headlight</h3> <p><a href="http://amzn.to/2gII3Wp"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/blitzu2.jpg" width="200" height="179" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in bike reflectors, the <a href="http://amzn.to/2gII3Wp">Blitzu Gator 320 POWERFUL Bicycle Headlight</a> includes a non-USB rechargeable LED taillight. The lightweight bike light can hold up to six hours on a charge. It has four modes and 360-degree swivel ability, so you can shine the light in any direction for ultimate visibility. The cycling safety light is super bright and offers up to 300 feet beam length. The USB rechargeable headlight charges in only two hours and features an automatic, fully charged cutoff system. The water-resistant light is weather tight, so you can use it in all conditions. The durable, reliable front bicycle light is constructed with military grade anodized finish, so it is impact resistant and built to last.</p> <p>It is easy to mount and detach the light without the use of tools. The quick-release feature allows you to slide the light out without removing the mounting bracket. The simple one touch dismount control button is conveniently located on top of the light for easy access. It is backed by a 30-day money back guarantee and a one-year warranty. It is an Amazon best-seller and has outstanding online reviews, including more than 1,100 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2gII3Wp"><em>Currently $24.97 on Amazon</em></a></p> <p>And those are our recommendations for the best bicycle lights. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-bicycle-lights">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-electric-bicycles">The 5 Best Electric Bicycles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-3d-printers">The 5 Best 3D Printers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hiking-backpacks">The 5 Best Hiking Backpacks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping 5 best bicycle lights bike bike lights product reviews shopping transportation Wed, 14 Dec 2016 10:31:20 +0000 Andrea Cannon 1853982 at http://www.wisebread.com Here's How Much Life in the Big City Will Cost You http://www.wisebread.com/heres-how-much-life-in-the-big-city-will-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-much-life-in-the-big-city-will-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_walking_city_77672035.jpg" alt="Woman finding out how much life in the big city will cost her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So, you got a new higher-paying job in the big city. Now you have to decide whether it's worth making the big move. Fortunately, there's an easy cost analysis that can help you determine if the move is worthwhile.</p> <h2>Cost of Living Calculators</h2> <p>For a better estimate of how much you'll need to earn to maintain the same standard of living, use a cost of living calculator. Once you enter your current income, where you currently live, and where you would like to move, you can see a side-by-side comparison of what it will cost to live in both cities.</p> <p>Some <a href="http://money.cnn.com/calculator/pf/cost-of-living/">basic calculators</a> will show how far your salary will go in another city by comparing the price differences of major categories, like housing, utilities, and groceries. There are also more advanced cost of living calculators that will break down everything from what gas costs in the two areas, to how much you pay for coffee and ibuprofen.</p> <p>For example, say you're living somewhere like Bakersfield, California with an income of $50,000, and you're deciding whether to move to a big metro like San Francisco. So, how much will you need to earn in order to maintain your same standard of living? Using a cost of living calculator, you can see that you would need to be making $81,636. Otherwise, you'll have to get used to a lower standard of living and cut costs wherever possible.</p> <h2>Housing</h2> <p>Generally speaking, the closer you live to downtown, the more expensive the rent, food, and entertainment costs. When you live in a bigger city, it also generally means that you will have a smaller living space. Worst of all, rent just keeps getting more expensive over time. According to StreetEasy's annual New York City Rent Affordability Report, the median rent-to-income ratio in NYC rose from 59.7% in 2015 to <a href="http://cdn1.blog-media.zillowstatic.com/streeteasy/2/StreetEasy-2016-Rent-AffordabilityReport-7e91e8.pdf">65.2% in 2016</a>. This means that nearly two-thirds of New Yorkers' income is devoted to rent. (See also: <a href="http://www.wisebread.com/the-simple-way-to-decide-how-much-rent-you-can-really-afford?ref=seealso">The Simple Way to Decide How Much Rent You Can Really Afford</a>)</p> <h2>Higher Income</h2> <p>In most cases, a higher cost of living also means that the area has a higher than average median household income. While you can usually get a more robust <a href="http://www.wisebread.com/protect-future-earnings-by-negotiating-the-right-starting-salary">starting salary</a> in a large city, you might not want to count on hefty raises. Income growth is lagging behind things like rent increases and cost of living growth, so your expenses may increase in the years to come, but your income might not keep up.</p> <h2>Transportation</h2> <p>In most cases, the closer you can live to work, the better. This will allow you to bike to work, take part in a carpool, use Uber, or even take public transportation.</p> <p>If you will be taking advantage of public transportation, consider storing or selling your car, so you don't have to worry about parking. Driving can also be a lot more overwhelming for someone moving from a smaller town to a big metro (think Los Angeles gridlock). Look into public transportation options in your new city to determine if you can reasonably live there without a car, and how much you would save by making the change to public transportation. Keep in mind that places that are more walkable, or have better transportation options, are typically more expensive to rent.</p> <h2>Parking</h2> <p>In cities like Los Angeles, New York, San Francisco, and Seattle (to name a few), free parking is basically a pipe dream. With parking meters and paid parking lots as far as the eye can see, it's very unlikely that you'll find free parking. Even if you did find street parking, the posted rules can be very confusing and, in large cities, parking tickets are very common.</p> <h2>Convenience</h2> <p>Living in a large city means most things will be at your fingertips. For instance, there isn't much that you won't have access to in New York City. However, getting what you want and need is a different story. Living in a small town means quicker trips to the grocery store and general merchandise stores like Target.</p> <p>In a big city, on the other hand, you have to worry about fighting traffic and finding parking before you even get to the store. Then, there are hordes of people to deal with and long lines at the checkout counter, so small day trips can become much longer and more stressful. Try completing your errands at odd times, like early in the morning or during your lunch break, to beat the crowds.</p> <h2>Entertainment</h2> <p>Living in a big city means there are generally boundless things to occupy your time, such as endless places to eat, shows to watch, people to meet, and free activities to take part in. In a city like <a href="http://www.wisebread.com/how-to-visit-san-francisco-without-going-broke-0">San Francisco</a> or <a href="http://www.wisebread.com/how-to-visit-new-york-without-going-broke">New York</a>, you will be exposed to more culture more easily, and can find more fun, free events for the kids.</p> <p>To better deal with the culture shock, try seeking out social groups and other resources for newcomers to the area. Make a valiant effort after moving to make friends with locals and other transplants so you can quickly become acclimated with the city and what is available to you.</p> <h2>Is It Worth It?</h2> <p>Moving to a large city can be very expensive. The move itself can be a frustrating, expensive undertaking, and once you're there, things like rent, groceries, utilities, health care, and transportation can be much more expensive than what you're used to. Take this into account when you're deciding whether to make the move or not.</p> <p>The decision on whether it is worth it to make the big move is an entirely personal one. After living in New York City, San Francisco, and Los Angeles, I can attest to the fact that there is nothing comparable to living in a big metro. What you can (and will) experience in a shorter amount of time there is well worth the higher cost of living. However, if you are trying to save more money or contribute more towards your debt, savings, or retirement accounts, you'll need to use a cost of living calculator (at minimum) to determine whether it's worth it for you.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/heres-how-much-life-in-the-big-city-will-cost-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-forget-to-budget-for-these-unexpected-moving-expenses">Don&#039;t Forget to Budget for These Unexpected Moving Expenses</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-100s-on-your-next-move">How to Save $100s on Your Next Move</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/moving-dont-skimp-on-these-critical-expenses">Moving? Don&#039;t Skimp on These Critical Expenses</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-american-cities-where-you-can-retire-on-just-social-security">5 American Cities Where You Can Retire On Just Social Security</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-simple-way-to-decide-how-much-rent-you-can-really-afford">The Simple Way to Decide How Much Rent You Can Really Afford</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Real Estate and Housing big cities cost of living expenses housing moving relocating renting transportation Tue, 01 Nov 2016 10:00:15 +0000 Andrea Cannon 1824619 at http://www.wisebread.com How I Saved Enough for a Down Payment While Working in China http://www.wisebread.com/how-i-saved-enough-for-a-down-payment-while-working-in-china <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-i-saved-enough-for-a-down-payment-while-working-in-china" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_hand_globe_43186582.jpg" alt="How to save for a down payment while working in China" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When I was first considering teaching abroad after graduating from college, I had many friends and family who were concerned that I'd be setting myself back financially. With the best of intentions, these loved ones told me that I would be making a mistake by moving to Asia and accepting a lower paycheck. How would I ever afford a car or a house if I didn't find a high-paying job in Canada or the U.S. and start saving right away?</p> <p>Ten years later, I look back and realize that teaching abroad was one of the best financial decisions of my life. During our four years <a href="http://www.wisebread.com/follow-these-5-credit-card-rules-when-traveling-abroad" target="_blank">teaching in China</a>, my husband and I saved enough between us for a down payment on our house in Southern California.</p> <p>Not every job abroad will be a an ideal situation for saving, so if you're considering teaching or working abroad, and want to prioritize saving, here are a few tips for how to save as much as you can.</p> <h2>1. Find Free or Subsidized Housing</h2> <p>Many schools and companies abroad realize that it's hard for foreign employees to pick up and leave their home countries without having a living situation set up in the new country. Therefore, many employment contracts abroad include either a housing allowance, or a free or subsidized apartment that belongs to the company. In our case, the school we worked for owned an apartment block which provided heavily subsidized living quarters for teachers and employees.</p> <p>Living rent-free or on subsidized rent saves a <em>huge </em>chunk of your income that you can put entirely toward savings. It also saves a tremendous amount of time and stress when your overseas employer helps arrange your living quarters.</p> <p>It also helps greatly if the living quarters provided by the employer come furnished, which will cut down on the initial costs of moving. Having to purchase furniture and appliances can make it harder for you to start saving right away.</p> <h2>2. Take Advantage of the Lower Cost of Living</h2> <p>Another huge factor that enabled us to save was the lower cost of living in our host country. By choosing to eat at local restaurants and shop at local grocery stores, we saved hundreds of dollars every month on food in a city where the local cost of living was quite a bit lower than at home in the U.S. Of course, it would have been easy to blow our paychecks eating at expat-oriented bars and restaurants (Starbucks was pretty much everywhere in our city), but we saved the pricier international food for weekends and special occasions. A nice side effect of our frugal mentality is that we discovered a whole new world of delicious local dishes that we would never have tried otherwise.</p> <p>Not all countries will have a lower cost of living than your home country, of course, so it's worth looking into what it typically costs for food, clothing, rent (if you are renting a place yourself), health care, and other necessities before going.</p> <h2>3. Use Public Transportation</h2> <p>We saved the cost of having to maintain a car because our apartment was walking distance to the school where we worked. On weekends, a cheap and efficient subway system was our transportation of choice whenever we wanted to leave the school campus. When looking for a job overseas, be sure to ask questions about how you will get to and from work, and what transportation options exist to take you to the fun part of town. Some jobs (generally not teaching jobs, though) will even provide a company car and driver to make things easier for you.</p> <h2>4. Live Simply</h2> <p>Curbing excess spending is a good financial strategy no matter where you live, but I think it's easier to live simply when you anticipate moving in a year or a few. Because we didn't plan on staying more than a few years, I was less motivated to buy unnecessary stuff, with the mentality that everything needed to fit in a couple suitcases for the trip home. While we did spend money on leisure activities such as traveling during our holidays, for the most part, we just enjoyed meeting new friends and exploring our city, activities that didn't cost much.</p> <p>We did end up shipping a few souvenirs back home, but because we had to pay to ship them, we were more mindful about purchasing only what we loved.</p> <h2>5. Research Your Tax Exemptions</h2> <p>Although U.S. citizens and residents are required to pay taxes on foreign-earned income, a large chunk of that income (or even all of it depending on how much you make) could be <a href="https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion">exempt from income taxes</a>. When filing your yearly taxes, be sure to file your foreign-earned income correctly. Of course, you may be taxed in your country of employment, but in our experience the local tax was very low. You will want to research the tax rate in the country you're thinking of working in before you accept a job.</p> <p>Before accepting a job overseas, be sure also to ask about health benefits and support in case you run into a medical emergency. If your employer does not provide adequate health benefits, you may have to purchase it privately, which you should factor into your savings plan. It also goes without saying that you should do research into typical salaries for the job you will be doing, as they can vary widely depending on the employer.</p> <p>If you play your cards right, you can certainly turn a few years of adventure working overseas into an opportunity to save and to meet your financial goals.</p> <p><em>Have you considered working overseas? What's holding you back?</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-i-saved-enough-for-a-down-payment-while-working-in-china&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China.jpg&amp;description=How%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/how-i-saved-enough-for-a-down-payment-while-working-in-china">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month">5 Countries Where You Can Retire for $1,000 a Month</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries">Retire for Half the Cost in These 5 Countries</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-things-to-know-before-retiring-abroad">9 Things to Know Before Retiring Abroad</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-almost-anyone-can-afford-to-retire-in-mexico">How Almost Anyone Can Afford to Retire in Mexico</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-real-cost-of-moving-to-canada-if-thats-your-post-election-plan">The Real Cost of Moving to Canada (If That&#039;s Your Post-Election Plan)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Travel cost of living expats living abroad overseas saving money taxes teaching abroad transportation working Thu, 25 Aug 2016 10:00:15 +0000 Camilla Cheung 1778730 at http://www.wisebread.com 9 Ways Life Is Wonderful When You Swap Your Car for a Bike http://www.wisebread.com/9-ways-life-is-wonderful-when-you-swap-your-car-for-a-bike <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-life-is-wonderful-when-you-swap-your-car-for-a-bike" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_riding_bike_62106672.jpg" alt="Woman loving life after swapping her car for a bike" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you ever thought about ditching your car and finding a new way to get around? Making your bicycle your best friend may be the smartest move you can make to save money, burn calories, and generally improve your life.</p> <p>If you're searching for a reason to pull the trigger on the all-bike lifestyle, consider these nine ways that life is an amazing when you eschew the car. (See also: <a href="http://www.wisebread.com/5-best-cities-for-going-car-free?ref=seealso">5 Best Cities for Going Car-Free</a>)</p> <h2>1. You'll Save Money on Gas</h2> <p>Okay, so let's say you have a 30-mile roundtrip commute. And let's say you're spending $2.25 per gallon on gasoline. If you get 30 miles per gallon on your car, you're spending about $2.25 a day on gasoline. That's $11.25 a week, or more than $500 per year. Ditch your car, and that's money back in your pocket. And best of all, when gas prices spike, your commuting expenses will stay the same.</p> <h2>2. You'll Save Money on Insurance</h2> <p>No car means nothing to insure. And this means money saved. The average cost to insure even a basic sedan was $1,222 per year in 2015, according to AAA. That's a significant chunk of change back in your pocket.</p> <h2>3. You'll Save Money on Maintenance</h2> <p>A bike might need some repairs and a tuneup now and then, but the cost of this work is nothing compared to a car. AAA reports that the average <a href="http://newsroom.aaa.com/auto/your-driving-costs/">driver spends $792 annually</a> on car maintenance. Add that to the cost of gas and insurance, and you can see the thousands of dollars saved by ditching the car and going for the bike.</p> <h2>4. You'll See More</h2> <p>Whenever I ride my bike, I always end up noticing new things about my surroundings. It might be a new small business in my town, renovations to an old home, or a park in need of some cleanup. It's a rather nice feeling to see your environment unfurl itself in front of you as you ride. It's so much easier to see what's around you when you're not enclosed inside a vehicle.</p> <h2>5. You'll Shop More Locally</h2> <p>One downside to riding a bike everywhere is that you obviously can't haul a lot of stuff. This means no long trips to the Super Walmart for groceries. But, it also means that the shopping you do will be done locally, possibly to the benefit of smaller, independent stores. Proponents of the Shop Local movement claim that if you spend $100 at local small stores, $68 will stay in your community, compared to $43 for big chains.</p> <h2>6. Exercise!</h2> <p>There's no question that cycling is great for your health. According to an online calculator from bicycling.com, a one-hour bike ride at a moderate pace can lead to <a href="http://www.bicycling.com/training/weight-loss/cycling-calories-burned-calculator">more than 500 calories burned</a>, or even 1,000 if you really push the pace. Biking will help you build leg muscles, but is also good for the back and abdomen. And it's generally seen as lower impact than running. One study even suggested that women who bike to work were<a href="http://www.ncbi.nlm.nih.gov/pubmed/22525983">significantly less likely to fracture their wrists.</a></p> <h2>7. You'll Look Forward to Going to Work</h2> <p>Who gets excited about sitting in a car in traffic, or stuffing yourself onto a crowded subway car? By incorporating a bike into your commute, you're incorporating an enjoyable activity into your daily drudgery.</p> <h2>8. Your Employer Might Pay You</h2> <p>Good employers want their workers to be healthy, so many will incentivize bike commuting by offering cash back as a fringe benefit. The IRS allows employers to reimburse bicycle commuters up to $20 per month for bike-related expenses, such as storage, repairs, a helmet, or the purchase of a bike itself.</p> <h2>9. You Save Time</h2> <p>You might assume that biking will take longer than driving. But this isn't always the case, research shows. Kiplinger reported that half of the commuting population in the U.S. <a href="http://www.kiplinger.com/article/saving/T012-C000-S001-cut-commuting-costs-by-biking-to-work.html#A2M2E7fbT47UL1Mm.99">travels five miles or less to work</a>, and that riding a bike that distance can often be faster than driving. As a cyclist, you have access to trails, bike lanes, and side roads that will allow you to avoid drivers and traffic jams.</p> <p><em>Have you traded in your car for a bike? How has your life improved? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/9-ways-life-is-wonderful-when-you-swap-your-car-for-a-bike">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-reasons-why-i-love-public-transportation">Five Reasons Why I Love Public Transportation</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-cities-for-going-car-free">5 Best Cities for Going Car-Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/did-your-car-break-down-check-for-recalled-parts-and-fix-it-for-free">Did your car break down? Check for recalled parts and fix it for free!</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-bicycle-lights">The 5 Best Bicycle Lights</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Cars and Transportation bike bike commute biking car car commute commuting environment exercise saving transportation Mon, 01 Aug 2016 09:00:11 +0000 Tim Lemke 1762106 at http://www.wisebread.com 5 Best Cities for Going Car-Free http://www.wisebread.com/5-best-cities-for-going-car-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-cities-for-going-car-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_72593117_LARGE.jpg" alt="going car free is easy in these cities" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's ample evidence that walkable neighborhoods breed <a href="http://www.citylab.com/design/2014/12/growing-evidence-shows-walkability-is-good-for-you-and-for-cities/383612/">safer, healthier, and more democratic constituencies</a>. And even in cities with high levels of smog &mdash; here's looking at you, Los Angeles &mdash; studies show that the <a href="http://www.cam.ac.uk/research/news/walking-and-cycling-good-for-health-even-in-cities-with-higher-levels-of-air-pollution">health benefits of walking</a> or cycling or recreation or as a <a href="http://www.wisebread.com/6-ways-to-make-the-most-of-your-morning-commute">means of commuting</a> far outweigh the negative health risks associated with breathing in air pollution. What's more, when city dwellers opt to walk or cycle instead of relying on gas guzzlers, overall air pollution levels can be reduced. It's a win-win-win. You don't need a car to get around these U.S. cities.</p> <h2>1. Boston</h2> <p>Nicknamed America's Walking City, Boston's relatively small footprint is dense with small neighborhoods, each with a unique character and a smattering of restaurants, shops, and convenience stores. That is to say that most Bostonians can complete their daily errands without ever putting the key in the ignition. Boston is also a city where owning a car, in many cases, costs more than it's worth. Take, for example, these<a href="https://www.bostonglobe.com/business/2016/06/30/got-these-back-bay-parking-spots-could-yours/BOvFjiiID0xWUJtQZxjdNM/story.html"> tandem, uncovered parking spaces</a> in the high-end Beacon Hill neighborhood. For about a half million dollars, they can be yours. No, this isn't a one-time fluke in pricing. That's actually the going rate. A pair of parking spots on the same street <a href="https://www.bostonglobe.com/metro/2015/11/03/look-back-some-priciest-parking-spots-boston/tIPhO225Vv5Mrdxy8aVYjJ/story.html?p1=Article_Related_Box_Article">sold for $560,000</a> at an auction in 2013.</p> <h2>2. New York</h2> <p>The city that never sleeps &mdash; Manhattan, in particular &mdash; is as pedestrian-friendly as they come. With sidewalks, bike lanes, buses, and subway routes galore, New York brings amenities such as markets, shops, workplaces, medical centers, and gyms in close proximity to the apartments and condos where people live. The city also has easy street crossings and long block lengths, making for more pleasurable pedestrian routes. There is, however, <a href="http://www1.nyc.gov/assets/planning/download/pdf/plans-studies/sustainable-communities/bmn/bronx_metro_report/walkability.pdf">room for improvement</a>. Manhattan is by far the most walkable of New York's boroughs, but it accounts for just 8% of the city's population. Other boroughs aren't actually all that walkable. In the Bronx, neighborhood decline and disinvestment in public transit has made walking around some neighborhoods difficult and less enticing. In truth, the real walkability winner here is Manhattan, and not all of New York City.</p> <h2>3. Washington, D.C.</h2> <p>Much of the nation's capital has walkable zones where residential and retail spaces are in close proximity. And, unlike New York, these zones are evenly distributed between downtown areas and the suburbs. That means it's not just the <a href="http://www.archdaily.com/521438/washington-d-c-the-most-walkable-city-in-the-us">heart of the city that's walkable</a>, but the outskirts, as well.</p> <h2>4. San Francisco</h2> <p>The Golden Gate City was built on 42 hills &mdash; terrain that can make for treacherous gear shifting. And while all those hills will do a number on your calf muscles, there's truly no better way to get around San Francisco's densely populated districts. That's because a quarter of the 49 square-mile city's office, retail, and multi-family rental space is located within the bounds of <a href="http://www.smartgrowthamerica.org/foot-traffic-ahead-2016/">walkable neighborhoods</a>. And while it's possible to break out of these neighborhood walkability zones and <a href="http://www.sfwalkingman.com/">trek the entire city by foot</a>, it's not exactly the fastest or most practical method of getting around. Alas, every city has its walkability limits.</p> <h2>5. Detroit</h2> <p>Oddly enough, you can get around Motor City just fine by foot &mdash; no motor required. In fact, these days <a href="http://wdet.org/posts/2016/06/20/83328-going-motorless-in-the-motor-city/">pedestrian-friendly projects</a> are sprouting up all over Detroit. And it's not just for the sake of recreation. About a quarter of all households citywide lack access to a motor vehicle. New walking path projects can help many in this demographic commute to and from the places they need to go, such as work, the grocery store, and school. And since you can't walk everywhere, new bike paths are surfacing, as well. Whereas Detroit had no bike lanes a decade ago, there are now nearly 200 of them.</p> <p><em>What other cities are good for going car-free? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-best-cities-for-going-car-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-life-is-wonderful-when-you-swap-your-car-for-a-bike">9 Ways Life Is Wonderful When You Swap Your Car for a Bike</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-hidden-advantages-to-getting-rid-of-your-car">7 Hidden Advantages to Getting Rid of Your Car</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-bicycle-lights">The 5 Best Bicycle Lights</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/did-your-car-break-down-check-for-recalled-parts-and-fix-it-for-free">Did your car break down? Check for recalled parts and fix it for free!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-good-life-on-less-energy-even-in-the-us">The good life on less energy--even in the US</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Cars and Transportation bike car car-free city environmentally friendly public transportation transportation u.s. cities walking Wed, 20 Jul 2016 09:30:37 +0000 Brittany Lyte 1755541 at http://www.wisebread.com