Author: Roberta T. Mainor


Minimum wage is not a fair wage | News, Sports, Jobs

January 15, 2022

Montana Economy

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Landis Larson

West Fargo

This week, some of the lowest paid workers in the Midwest will see their next salary increase, but not here in North Dakota. Montana, Minnesota, and South Dakota all have inflation-indexed minimum wage laws, which means that when inflation rises, the minimum wage also rises. Minimum wage workers will now receive $9.20 in MT, $9.95 in SD and $10.33 in MN. ND’s minimum wage has stagnated at $7.25 for fourteen years due to legislative inaction.

Some say “There are no jobs in North Dakota that pay minimum wage.” If so, why do such powerful interests still oppose raising it? There are quite a few people working for minimum or near minimum wage in our state. Many people in the service industry even work for an hourly wage below the minimum wage of $4.86 per hour.

Others protest “The cost of goods and services will increase.” If no one is paying minimum wage, what are you worried about? In fact, in study after study, minimum wage increases have done the exact opposite; no tangible increase in the cost of goods and services. Instead, more money in workers’ pockets means more spending in the local economy.

And there’s always the boasting naysayer, “It’s because the cost of living in ND is lower.” No it is not. The cost of living in ND, MN and SD is about as close to the national average as you can get.

All workers should be paid a fair wage for their work. In 2022, $7.25 is not a fair wage and should be increased. Also, if I’m wrong and there are no minimum wage jobs in ND, what’s the harm?

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CT+NY ranks among the top ten states for raising a family

January 14, 2022

Montana Loans

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When most people decide where they are going to live, raising a family is one of the main factors.

Of course, parents want the best environment when raising their children. Schools, neighborhood, financial difficulties and cost of living all play a part in their decision.

To help people make this important decision, the people of wallethub.com have done the hard work for you. They recently compared all 50 states using 51 key indicators of where the best places to raise a family are. They used ranges of data from a number of different categories to determine the result.

They looked at the states that had the best health and safety, the states that had the most family fun, of course education and child care was a big factor, as well as the affordability of each state and finally socio-economics.

Then they considered some 51 relevant parameters, each rated on a 100-point scale, with a score of 100 being the best conditions for family life.

For the first time since wallethub.com have begun to collate their surveys, this one also contains data on how the state is handling the COVID-19 pandemic.

Once all of these factors were weighed and the metrics for each category noted, Connecticut and New York State entered the top 10.

New York had the second-highest score in the nation, and Connecticut was not far behind as the nation’s seventh-best place to raise a family.

New York had a combined overall score of 61.81 and Connecticut’s combined overall score was 57.67.

Connecticut ranked higher than New York in health and safety, affordability, and socioeconomics, and New York ranked higher in family entertainment, education, and child care.

So I bet you’re wondering which state came in first for the best place to raise a family. Well, that state was Massachusetts, followed by New York, Vermont, Minnesota, and Nebraska. The five lowest ranked states are Oklahoma, South Carolina, Louisiana, New Mexico and Mississippi.

Here’s a preview of the entire map, just vacuum each state to see their individual rankings.

KEEP READING: See the Richest Person in Every State

KEEP READING: Here are the best places to retire in America

Do Utahans Use Mental Health Prescriptions?

January 14, 2022

Montana Lending

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The number of people taking prescription drugs for mental health in Utah has increased by 8% since January 2021, according to a new report.

The news: A new report from Quote Wizard by Loan Tree found that the pandemic fueled the increase in mental health prescriptions nationwide.

  • Overall, 28 states saw a 10-50% increase in the number of people taking mental health medications in 2021.

Most: Arkansas, New Mexico and New York have seen the largest increases in the number of people taking mental health medication.

The least: Montana, Nevada and Hawaii have seen the largest declines in the number of people taking these drugs.

Utah Numbers: Utah has seen an 8% increase in the number of people taking prescription drugs for mental health over the past year.

  • In general, about 27% of Utah’s population takes these drugs.

The method: Quote Wizard by Loan Tree discovered these results by analyzing data from the Pulse survey Centers for Disaster Control and Prevention. The data in this report is from January 2021 to October 15, 2021.

Do not forget : Utah, however, is home to one of the best cities for mental health. Salt Lake City ranked second best city in the country for Mental Health, as I reported for the Deseret News.

  • Salt Lake City topped only Denver, Colo., as top cities for community wellness, number of residents with mental health care providers and total prescription costs, among other rankings.

Baltimore District Attorney Marilyn Mosby Charged | national news

January 13, 2022

Montana Mortgages

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BALTIMORE (AP) — A federal grand jury on Thursday indicted Baltimore’s top prosecutor for perjury and making false mortgage applications in the purchase of two vacation homes in Florida, the U.S. District Attorney’s Office said. Maryland.

The four-count indictment alleges Baltimore State’s Attorney Marilyn Mosby lied about meeting qualifications for coronavirus-related distributions from a city’s retirement plan in 2020. Federal prosecutors also allege Mosby lied on 2020 mortgage application forms to buy a home in Kissimmee, Florida. , and a condominium in Long Boat Key, Florida.

Mosby, 41, is a top prosecutor who has aligned herself with criminal justice reformers. She rose to national prominence in 2015 when she pursued criminal charges against six police officers in the death of Freddie Gray, a black man whose death in police custody sparked riots and protests. None of the officers have been convicted.

The indictment of Mosby, who is married to Baltimore City Council Speaker Nick Mosby, comes months after media reports that federal officials had subpoenaed the Maryland State Board of Elections for business and funding records. campaign related to the couple dating back to 2014. An attorney representing the couple alleged misconduct by federal prosecutors in a letter to the U.S. Department of Justice’s Office of Professional Responsibility and requested a stay of the criminal investigation into the couple . Nick Mosby has not been charged with any crime.

“We will vigorously fight these charges, and I remain confident that once all the evidence is presented, it will prevail against these bogus charges — charges rooted in personal, political and racial animosity five months from his election,” A. Scott Bolden, Mosby’s attorney, in a statement late Thursday.

In 2020, Mosby submitted requests for one-time withdrawals of $40,000 and $50,000, respectively, from Baltimore’s deferred compensation plans, according to the indictment. It alleges that Mosby falsely certified that she experienced financial hardship due to the coronavirus, but in fact received her nearly $250,000 salary in 2020. The indictment also alleges that in 2020 and 2021 , Mosby made false statements in mortgage applications for $490,500 to buy a house in Kissimmee, Florida, and for a mortgage of $428,400 to buy a condominium in Long Boat Key, Florida .

Mosby was required to disclose her debts, but did not disclose that she had unpaid federal taxes from a number of previous years and that in March 2020 the Internal Revenue Service placed a lien on all property and property rights belonging to the Mosbys in the amount of $45,022, the amount of unpaid taxes that Mosby and her husband owed to the IRS at that time.

About a week before closing the Kissimmee home, Mosby signed an agreement with a vacation home management company giving the company rental control of the property, according to the indictment. She then signed a “second home covenant” which provided that the borrower occupied and used the property as a second home and retained sole ownership control of the property, according to the indictment, alleging that by performing falsely endorsement, Mosby might get a lower interest rate.

Mosby’s initial appearance has not yet been scheduled, according to a press release from the U.S. Attorney’s Office.

The two perjury counts each carry a maximum sentence of five years in prison and the two mortgage-related counts each carry a maximum of 30 years in prison.

———

The spelling of the name of A. Scott Bolden, Marilyn Mosby’s lawyer, has been corrected.

Copyright 2022 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission.

US Supreme Court splits over vaccination mandates

January 13, 2022

Montana Economy

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The United States Supreme Court has thrown out one of President Biden’s vaccination warrants while upholding another.

Today, in a 6-3 decision, the Supreme Court blocked the Biden administration from implementing its Occupational Safety and Health Administration (OSHA) COVID-19 vaccination mandate on businesses companies with 100 or more employees.

However, in a 5-4 ruling, the Supreme Court allowed the Biden administration to implement its Centers for Medicare & Medicaid Services (CMS) COVID-19 vaccine mandate on healthcare workers at facilities receiving federal funds.

Reactions came from Montana Senator Steve Daines and Congressman Matt Rosendale.

Daines said, “President Biden’s tenure in the private sector is an extreme federal overreach, and I’m glad to see the Supreme Court step in to clarify that. Biden’s mandate on private business would have forced Montanese out of work and forced some businesses to close. Although I am pro-vaccine, I am strongly anti-mandate. It should be a decision between Montanese and their doctor, not the federal government,” Daines said. “I am disappointed that the Court did not block Biden’s vaccination mandate for healthcare workers. This mandate threatens to close hospitals in Montana and limit patient access to essential care. I will continue to work in Congress to protect our healthcare heroes from this harmful mandate. »

Rosendale had a similar reaction to both decisions.

“I am thrilled to see the Supreme Court block Joe Biden’s COVID-19 vaccination mandate on private employers and their workers. This is an important victory for Montana businesses and the freedom of Montana residents to make their own medical decisions. However, no American should be coerced into taking the vaccine, and the court is only half right,” Rep. Rosendale said. ‘I am extremely disappointed that the Supreme Court has allowed the Biden administration’s COVID-19 vaccination mandate on healthcare workers to take effect, which will exacerbate the healthcare worker shortages we are already experiencing in the world. Montana. I will continue to fight the Biden administration’s excessive and overbearing COVID-19 vaccine mandates, wherever they arise.

KGVO has not heard from Montana senior senator Jon Tester on the matter.

KEEP READING: See notable new words that were coined the year you were born

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Ball State Art Professor Showcases Art in Exhibit and Reflects on His Career

January 12, 2022

Montana Loans

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When Audrey Barcio, assistant professor of art at Ball State, was a child, she watched her grandmother paint and sat beside her, working with her own watercolors, bonding over artistic creation, growing closer as they painted and discovered new techniques.

Barcio always knew she was going to be an artist and her grandmother introduced her to the area of ​​art that interested her the most: abstraction.

“She was a self-taught and absolutely amazing painter,” Barcio said. “The reason I fell into abstraction was because as she got older she lost her sight. Instead of traditional figurative paintings…She started working very large and working in abstraction, and his work became very expressive and bold.

Now Barcio has found his own distinctive voice as an artist and commemorates his grandmother through the work of his new exhibition, “no subject (non-attachment),at Echo Arts, a contemporary art gallery in Bozeman, Montana.

Barcio said the underlying theme of the show is communication, thinking about the influences it has on everyday life, while paying homage to the artists who came before it.

Ball State Assistant Professor of Art Audrey Barcio’s art is exhibited at the Echo Arts Gallery in Bozeman, Montana. This is Barcio’s ninth solo exhibition. Audrey Barcio, photo provided

“This body of paintings is the first time I have given my work a lot of personal meaning,” she said. “The canvases are sewn together. In my twenties, I had a car accident that caused me to lose several fingers from my dominant hand. I introduced sewing on these canvases as a material reference to this experience.

Barcio has 24 works on display in the exhibition, which she says is her ninth solo exhibition. The paintings vary in size and were completed within the last year. She said it was interesting to see it all come together, with each painting influenced by a different time of year.

Barcio flew to Montana for the December 10, 2021 opening and gave an artist a talk about her work. She said it’s always difficult for an artist to visualize their work in the studio in the same way it will be exhibited, so it’s important to see it at the gallery.

“Everything living together in one space is really satisfying,” she said. “It tells you so much about your work in a way that you can’t normally see.”

Barcio said he discovered the Echo Arts gallery through Sahra Beaupré, owner of the gallery. The two met in 2015 when Barcio was a graduate student at the University of Nevada in Las Vegas. Barcio and Beaupré have stayed in touch since they met and began planning the exhibit about a year ago.

“An interesting conversation I had with [Barcio] flashed through my mind and wondered what she was doing,” Beaupré said. “I read everything she had done and fell even more in love with what she was working on.”

Beaupré said she is interested in Barcio’s work because she thinks it is very in-depth and thoughtful, including modernist and abstract references, as well as references to art history.

“These three elements combined are really what initially interested me in Audrey’s paintings for the exhibition,” said Beaupré. “They are really beautiful all together.”

The community’s response to Barcio’s exposure has been positive, Beaupré said, and she believes Barcio is a ‘good guide’ for her students who can give them more advice on college and life afterwards. .

“You can always tell who a teacher is. They are very open, very receptive and very attentive, and [Barcio] achieved all the objectives,” said Beaupré. “I think she shows her students how to think about what college they’ll go to, where they’ll work… I think that’s the best kind of information to pass on to your students, beyond love that you have for the material.”

Beaupre believes Barcio can guide students in a unique way due to his own college experience, as Barcio was the first person in his family to attend a four-year university. Barcio said it was difficult for her to be a first-generation student.

She attended the Herron School of Art and Design at Indiana University-Purdue University Indianapolis (IUPUI), where she earned a degree in Art Education and a minor in Art History. She worked throughout college as a waitress, taking extra time to complete her undergraduate degree so she wouldn’t take out student loans and be able to continue paying for her education.

After graduating from IUPUI, she worked as a substitute teacher and taught classes at Herron as an adjunct teacher, as well as community classes and worked at Big Car Art Collaborative, a nonprofit arts organization in Indianapolis.

In 2008, Barcio and her husband, Phillip Barcio, moved to San Francisco, where she returned to work in a restaurant because art jobs in the area paid very low wages. She became a sommelier – a wine expert – before she and her husband moved to Los Angeles.

While in Los Angeles, a friend of Barcio’s reminded her that she had moved out West because she planned to go to college.

“He was like, ‘You’re an artist – what do you do?'” Barcio said. “And I was like, ‘I don’t know,’ and that process of questioning got me back on my path. Graduate school was a really good time because it was my first time remembered that I had really taken the time [to focus on art].”

After completing graduate school, Barcio began working at Kavi Gupta, an art gallery in Chicago, where she met various artists, including Beverly Fishman, former head of painting at the Cranbrook Academy of Art.

Assistant art professor Audrey Barcio poses for a photo Jan. 7 in her studio. Barcio was the first in her family to attend college and earned her master’s degree at the University of Nevada in Las Vegas. Rylan Capper, DN

“[Barcio] was basically my liaison, who was my go-to person at the gallery when things came up or if I had questions,” Fishman said. “She was 100% professional and absolutely responsible. She’s super smart and I really like her.

Fishman said she always knew Barcio was an ambitious artist, so it was only a matter of time before she left the gallery to teach. She and Barcio don’t usually talk about education when they’re together, but she can imagine it being articulate, engaging and relatable.

“She’s a strong woman, and that’s really important for young artists,” Fishman said. “To see women in positions of power and to be able to emulate that idea that you could be an artist – and you can also be a mentor and an educator – is really important.”

For Barcio, teaching and creating her own art go hand in hand, and she believes her job at Ball State was the first job she had that encouraged her to be an artist.

“A lot of times when you’re an artist, you kind of hide the fact that you’re an artist because your work really wants you to be committed to them and what they do,” Barcio said. “I’m a natural extrovert and so, for me, teaching is perfect because when I’m working in my studio, it’s just me, and it can be really lonely.”

Teaching also gives Barcio the opportunity to share his passion for art history with students, reminding them why it matters to them in their careers. She also likes that teaching gives her the opportunity to examine more of the production process, especially in painting.

Barcio said there are a lot of responsibilities in teaching, which she takes very seriously. She includes various topics in her class, comparing artists of the past to those working now and what their differences are. She also shares her own experiences with students, inspiring them to look to the next chapter in their creative lives.

“That’s why I think it took me a while to get into teaching as a profession,” she says. “I really wanted to experience what it was like to be an artist and live in different cities and have a variety of different jobs. I wanted to have my own personal success and accolades, and I didn’t want to go from undergraduate to graduate in teaching, because that’s not the life that many people have, or that my students will have.

Contact Maya Wilkins with comments at [email protected] or on Twitter @mayawilkinss.


Premier Mortgage Group changes name to Cherry Creek Mortgage

January 12, 2022

Montana Lending

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BOULDER, Colo., Jan. 12, 2022 /PRNewswire/ — Cherry Creek Mortgage, the parent company of Premier Mortgage Group (PMG), today announced that PMG is now called Cherry Creek Mortgage. By adopting the brand image of its parent company, PMG will have even greater resources and offer financing in even more states across the country, improving service for its customers and partners.

Premier Mortgage Group has been part of the Cherry Creek Mortgage family of brands since 2006. With the name change, existing and new customers can expect access to the same great service, broad product catalog and local team . Additionally, the Premier community program will continue under the Cherry Creek Mortgage brand, and the team remains committed to investing in local nonprofits to support the community.

“Our number one commitment has always been to our community and the owners we serve,” said Nick Peterson, PMG Regional Manager. “As the PMG name changes, our team’s commitment to creating a premier mortgage experience only grows stronger.”

“Premier Mortgage Group has been a core division of Cherry Creek Mortgage for over 15 years,” said Jeff May, President and CEO of Cherry Creek Mortgage. “We are thrilled that the team brings the same level of exceptional service to their clients under the Cherry Creek Mortgage name.”

Cherry Creek Mortgage is a nationwide, full-service mortgage lender and has been helping homeowners find home financing solutions for over 35 years. The company has helped thousands of homeowners and homebuyers achieve their mortgage goals by providing world-class customer service, personalized expertise, and a broad portfolio of home loan options to meet each customer’s unique needs.

About Cherry Creek Mortgage

Cherry Creek Mortgage, LLC, NMLS #3001 has a 35 year tradition of serving the needs of home buyers across the country. With a reputation built on a passion for responsible lending and a dedication to personal relationships, Cherry Creek Mortgage has helped thousands of clients achieve their goal of home ownership. Cherry Creek Mortgage’s specialized internal processes and proprietary technology deliver a digital mortgage experience with a personal touch. The company is headquartered in Colorado and licensed in 41 states, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin, Wyoming. Learn more about cherrycreekmortgage.com.

Media Contact:

Kim Holiday

[email protected]

303-331-4468

Show original content:https://www.prnewswire.com/news-releases/premier-mortgage-group-changes-name-to-cherry-creek-mortgage-301459770.html

SOURCE Cherry Creek Mortgage

Mid America Mortgage welcomes Jarred Talmadge to its team of reverse mortgage experts | national news

January 12, 2022

Montana Mortgages

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ADDISON, Texas, Jan. 12, 2022 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced that industry veteran Jarred Talmadge has joined Mid America as Director of Reverse Mortgage Sales of the ‘Where is. In this role, Talmadge is responsible for expanding Mid America’s reverse mortgage presence in the western United States.

“Mid America is dedicated to meeting the diverse needs of every borrower, including existing homeowners looking to tap into their home’s equity in retirement,” said Jeff Bode, owner and CEO of Mid America. “Reverse mortgage borrowers are often underserved, even though seniors make up a large share of the homeownership market. We are extremely happy to announce that Jarred has joined our team and excited to expand our team of reverse mortgage experts.

Talmage brings over 25 years of experience in the mortgage industry and has spent the last three years focusing specifically on reverse mortgages. Talmage joins Mid America from the American Advisors Group, where he was director of market sales for the Rockies region. In addition to being an industry veteran, Talmage is an author and instructor, providing courses in sales, marketing and reverse mortgages for realtors, loan officers and financial planners.

In 2020 Talmadge wrote the book “Too Good To Be Free: How a Reverse Mortgage Can Improve Your Life, Your Cash Flow and Pay You Too”. It can be found on Amazon.com. He has also been a guest on 9News NBC in Denver, Colorado and Company, KLZ AM 560 and on the Michael Bailey Radio Show. Talmadge received his Masters in Business Administration from the University of Phoenix.

“As a Reverse Mortgage Specialist, I’m passionate about helping lenders, borrowers and realtors understand the often misunderstood product that is Reverse Mortgage,” said Talmadge. “The best part of the mortgage business is being able to help other people, to have that capability extended to Mid America is exhilarating.”

To learn more about joining the Mid America Reverse Mortgage team, contact Talmadge at [email protected]

About Mid America Mortgage, Inc.

Mid America Mortgage, Inc., Addison, Texas, is a full-service, multi-state mortgage lender that serves consumers and mortgage originators through its retail, wholesale and correspondent channels. We offer a wide range of residential real estate loan programs to meet the needs of most home buyers and homeowners and are also the nation’s leading provider of Section 184 home loans for Native Americans. Learn more at https://www.midamericamortgage.com/.

In business since 1940, Mid America has thrived by maintaining its entrepreneurial spirit and leading the market in innovation, including its adoption of eNotes eClosings. Click n’ Close is Mid America’s ultra-secure digital mortgage approval and closing process that allows homebuyers to go from application to closing in two weeks. With just a few clicks to close, Click n’ Close puts the keys in the buyer’s hand in 15 minutes or less. Apply online at https://www.midamericamortgage.com/click-n-close/#cnc.

Frequently named one of the Top Mortgage Employers/Places to Work by industry trade magazines such as Mortgage Professional America, MReport, National Mortgage News and National Mortgage Professional, Mid America is looking for savvy mortgage professionals. technology and service-oriented to join our growing team. We are committed to providing our employees with state-of-the-art tools and technology to deliver an excellent set of competitive pricing, programs, and knowledgeable services. Want to join our team? Visit https://www.midamericamortgage.com/careers/.

Twitter: @midamericamtge

NEWS SOURCE: Mid America Mortgage, Inc.

This press release has been issued on behalf of the source of the information (Mid America Mortgage, Inc.) which is solely responsible for its accuracy, by Send2Press® Newswire. The information is believed to be accurate but not guaranteed. Story ID: 78137 APDF-R8.2

© 2022 Send2Press®, a press release and electronic marketing service of NEOTROPE®, California, USA.

To view the original version, visit: https://www.send2press.com/wire/mid-america-mortgage-welcomes-jarred-talmadge-to-its-team-of-reverse-mortgage-experts/

Disclaimer: The content of this press release was not created by The Associated Press (AP).

Copyright 2022 Send2Press Newswire

ND at $ 149 million in federal rent assistance

January 10, 2022

Montana Loans

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North Dakota is preparing to return $ 149 million in rent assistance to the federal government.

According to Grand Forks Herald, North Dakota “is set to return $ 149 million of the $ 352 million it received from the federal government’s emergency rent assistance program.” Why is North Dakota trying to send all this money back? Well, a representative from the North Dakota Department of Social Services reportedly said it was unrealistic for that amount of money to be spent in the state. But housing advocates believe more needs to be done before funds are returned.

It turns out that many North Dakotas who need help have yet to receive help.

You don’t have to dig very deep to find that the Rental Assistance Program is perfect. When you go to North Dakota Help is here website, the first thing you see on the site is where you can go for help. Scrolling down to the next item on the page reveals that there are so many requests for help that North Dakota Housing Services cannot keep up with the responses.

Will people in North Dakota who are waiting for rent assistance be able to get help?

There would be a deadline for spending the $ 149 million. But if people are clearly having trouble getting the promised aid, why wouldn’t North Dakota try to get an extension to send the money back? Hopefully those who need help can get it before the funds come back.

KEEP READING: Discover The Richest Person In Each State

Another hot year expected in local real estate

January 10, 2022

Montana Mortgages

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Even though it’s a cold winter, the Yakima real estate market remains warm with more homes now available in the local market.

More homes are now on the market and the list is growing

According to Cory Bemis, owner of Yakima’s John L. Scott Real Estate, this is the biggest news in the business. He says the number of homes currently for sale rose to 406 in December 2021. This is 71% more than the 237 homes that were actively for sale a year ago in December 2020. Bemis says “look for that number. continues to rise slowly through 2022 as higher interest rates help reduce buyer demand. ”If you were looking for a home last year, the median home selling price in 2021 was $ 323,000. This is a 17% increase over last year when the price was $ 276,000. Home sales increased 16% in 2021 with a total of 2,265 homes sold.

Even though it was December, many people still moved into new homes

As for the month of December. 191 homes sold last month. This is a decrease of 2.6% from the 196 homes sold in December 2020.
According to MortgageNewsDaily.com, 30-year fixed rate mortgages have an average interest rate of 3.5% right now. This is 0.64% more than a year ago.

The past two years have seen gains across the board in the local real estate market and there is no sign of the market slowing down for anything including COVID-19.

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WATCH: Here are America’s 50 Best Beach Towns

Each beach town has its own set of pros and cons, which got us thinking about what makes a beach town the best to live in. To find out, Stacker took a look at WalletHub data, released on June 17, 2020, which compares US beach towns. Ratings are based on six categories: affordability, weather, safety, economy, education and health, and quality of life. Cities had a population of 10,000 to 150,000, but they had to have at least one local beach listed on TripAdvisor. Read the full methodology here. From these rankings, we have selected the top 50. Readers who live in California and Florida won’t be surprised to learn that many of the cities featured here are in one of these two states.

Read on to see if your favorite beach town has made the cut.