Aug
11
2023

Top 10 Fun Things to Do When Visiting San Diego

By | Life & Career, Money & Life | Comments Off on Top 10 Fun Things to Do When Visiting San Diego

They call San Diego “America’s Finest City” for good reason: It has year-round sunshine, gorgeous beaches, and plenty to see, do, and eat. There are parks, museums, zoos, baseball games, and vineyards waiting for you to explore.

The challenge will be narrowing down the things to do so they fit into the time you have for your San Diego vacation. But here’s help: an insider’s list of the top 10 fun things to do in this fantastic city, plus tips on planning a perfect trip.

Best Times to Go to San Diego

If you’re looking for great weather for your San Diego trip, any time of year is a good one. Temperatures are a little cooler in the winter (usually in the 60s) and can get as high as the 90s in the summer, though the average falls more in the range of high 70s to 80s.

There are a few events held throughout the year you might want to plan around:

•  January: Farmers Insurance Open (golf)

•  June/July: San Diego County Fair

•  July: Comic-Con International

•  July-September: Del Mar Racing Season

•  September: Miramar Air Show

•  November: Beer Week

•  November: San Diego Bay Wine + Food Festival

Bad Times to Go to San Diego

There really are no bad times to visit San Diego, though you will find most of the bigger events and festivals fall in the summer. The ocean water is cool throughout the year, so if taking a swim is high on your list, aim for the hotter summer months.

Recommended: Financial Prep for Travel

Average Cost of a San Diego Vacation

If you’re already planning your San Diego trip, you’ll want to create a budget. Traveling solo? The average cost for a weeklong trip is $1,886. For a couple, that cost is $3,387.

Hotel prices range from $80 to $267 a night or higher if you like to stay in posh accommodations, and vacation rentals are $250 to 610 a night. The level of luxury you want in your accommodations, as well as whether you dine out or eat in will impact your vacation budget. (Of course, you can also find ways to save on hotel costs, by becoming a member at a hotel chain’s website and via other smart strategies.)

You can save on your trip if you use a travel rewards credit card that lets you accumulate and redeem points for rewards. You might compare credit card miles vs. cash back to see which is a better fit.

When budgeting for your trip, you’ll also want to include transportation to and from San Diego. For those who live nearby or are frugal travelers, that will mean a drive or a bus or train ride. For others, it means plane tickets.

You may also want to set aside some money for trip insurance, just in case your plans don’t unfold smoothly. You may have credit card travel insurance, or you might buy a separate policy.

10 Fun Must-Dos in San Diego

Here are some of the best things to do in San Diego, based on recommendations from locals and knowledgeable travelers, as well as popular tourist websites.

Keep in mind that San Diego has several distinct neighborhoods, including North Park, South Park, Mission Hills, Normal Heights, Kensington, and more. Each is walkable and filled with restaurants, shops, and events to keep you engaged. Now, consider this list of the best things to do when vacationing in San Diego.

1. Explore Balboa Park

Balboa Park was the setting for the 1915 Panama-California Exposition, and, since then, it has become an icon in the city. Home to the Comic-Con Museum, Fleet Science Center, Japanese Friendship Garden, Mingei International Museum, the San Diego Zoo, and much more, the park is also filled with free things to do in San Diego. You can spend hours here, exploring all of the attractions, and, since there isn’t an admission fee, this can be a way for families to afford to travel.

However, some of the specific museums will charge for entry, so do a bit of research before you head over. balboapark.org/

2. Check out the San Diego Zoo

One of the top things to do in San Diego is to visit the zoo or its sister location, Safari Park. In addition to being able to see animals like sloths, koalas, giraffes, and elephants, you can also take part in exclusive experiences that bring you up close and personal with some of your favorite creatures. Tickets are typically $61 for kids ages 3 to 11, and $71 for ages 12 and up. (Ticket prices at the separate Safari Park are similarly priced.) The zoo is usually open daily, though hours can vary, sometimes as long as from 9 am to 9 pm. Check the website before visiting. zoo.sandiegozoo.org/

3. Explore North Park

If you’re seeking things to do in San Diego for adults and you like beer, head to the neighborhood of North Park. This hipster ‘hood is in the heart of San Diego and is home to some of the best breweries in this city known for its stellar craft beer. The neighborhood is highly walkable, and you’ll also find great options for dining and shopping. sandiego.org/explore/downtown-urban/north-park-south-park.aspx

4. Raise a Glass

If wine’s more your thing, one of the things to do in San Diego for couples or friends is to visit Temecula wine country, just an hour north of San Diego. This hidden gem offers more than 50 wine varietals, including award-winning versions of Cabernet Sauvignon, Sauvignon Blanc, Merlot, Mourvedre, Viognier, Chardonnay, and sparkling wines.
Many of the wineries have on-site restaurants, and some even offer live music. When heading to this area and maybe buying some bottles to take home, consider paying with plastic and snag some credit card rewards. temeculawines.org/

5. Stroll Around the Hotel del Coronado

One of the most unique things to do in San Diego is to visit the historic Hotel del Coronado. Known as “Hotel Del” to locals, this hotel was first opened in 1888, and was the setting for the film “Some Like it Hot” starring Marilyn Monroe. Set by the sea, this iconic red-roofed Victorian resort is a fascinating place to visit.

Even if you don’t stay at the hotel, you can explore its shops, restaurants, and beach. During the Christmas holidays, the hotel is transformed into a winter wonderland, complete with outdoor ice skating rink. hoteldel.com/

6. Catch a Ballgame

Baseball fans shouldn’t miss a San Diego Padres game at downtown’s Petco Park. The season is March through October, though there are also special events and tours at Petco Park.

Dining options at the park highlight some of the best restaurants and breweries in the city, including Hodad’s, Seaside Market, and Gaglione Brothers. mlb.com/padres/ballpark

7. Hit the Beach

If getting some sand between your toes is on your must-do list for your San Diego vacation, the iconic Mission Beach should be on your agenda. Anchored by the amusement park known as Belmont Park, Mission Beach offers two miles of boardwalk if you crave a bike ride, jog, or rollerblade. The beaches (and parking lots) can fill up, especially in the summer, so arrive early and plan to stay all day.

Are you traveling with pets? Leashed dogs are allowed on the beach at certain hours, so this might be a good place to explore together.

There are plenty of places to get a cocktail or meal along the boardwalk. The dress code? Flip flops and swimsuits! sandiego.org/explore/things-to-do/beaches-bays/mission-beach.aspx

8. Sample Some Nightlife

If you’re looking for things to do in San Diego at night, Gaslamp Quarter may have what you need. Filled with nightclubs, bars (including rooftop options), and restaurants, it’s a popular scene. Whether you’re in the mood to dance, catch a comedy show, try an escape game, or hear music, you’ll find it here. gaslamp.org/

Recommended: Where to Find Book Now, Pay Later Travel

9. See What Old Town Offers

One of the fun things to do in San Diego for all ages is visit Old Town, the birthplace of California. Filled with historic buildings that have been turned into restaurants and shops, Old Town is a great place to learn about the early days of San Diego.

There is also a “hop on, hop off” trolley tour that stops in Old Town, so you can see more of the city. oldtownsandiego.org/

10. Marvel at the Maritime Museum

The Maritime Museum, located on the Embarcadero, consists of more than a dozen sailing ships, submarines, and steam-powered ships that you can climb aboard and explore. Don’t miss the Star of India, the world’s oldest active sailing ship. Open daily from 10 am to 5 pm (last admission at 4 pm), the museum charges $20 admission for adults; $10 for children ages 3 to 12. sdmaritime.org/

The Takeaway

San Diego offers sun, fun, and plenty of things to do. It can be a great destination year-round, and whether you’re a couple in search of nightlife and wine tastings or a family who wants to spend the day at the zoo, you’ll find all kinds of amazing attractions in this Southern California city.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.

SoFi, your one-stop shop for travel.

FAQ

When is the best time to visit San Diego?

San Diego sees sunshine year-round, so any time is a good time to visit. However, the weather is warm but not too hot and the crowds are fewer between March and May and September to November.

What are things to do at night in San Diego?

San Diego has a robust nightlife in certain neighborhoods. North Park is known for its craft beer and restaurants, while Gaslamp Quarter is filled with nightclubs and bars.

What are things to do in Balboa Park in San Diego?

Balboa Park is home to numerous museums as well as the San Diego Zoo. It also hosts events throughout the year, including December Nights during the holiday season.

Photo credit: iStock/SeanPavonePhoto
**Terms, and conditions apply: This SoFi member benefit is provided by Expedia, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider's terms: Travel Services Terms & Conditions.
The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.


Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.


Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).



SoFi Credit Cards are issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Read more
Aug
11
2023
What is a Death Cross Pattern in Stocks? How Do They Form?

What Is a Death Cross Pattern in Stocks? How Do They Form?

By | Growing Wealth, invest, Investing | Comments Off on What Is a Death Cross Pattern in Stocks? How Do They Form?

A death cross is the X-shape created when a stock’s or index’s short-term moving average descends below the long-term moving average, possibly signaling a sell-off. The death cross typically shows up on a technical chart when the 50-day simple moving average (SMA) of a stock or index peaks, drops, and then crosses below the 200-day moving average.

Because the 50-day SMA is more of a short-term indicator, it’s considered to be a more accurate indicator of potential volatility ahead than the 200-day SMA, which has averaged in 200 days worth of prices. That said, both the 50-day moving average and the 200-day are, by definition, lagging indicators. Meaning: They only capture what has already happened. Still, some death crosses have appeared to forecast major recessions — although they can also send false signals.

What Is a Death Cross, Exactly?

A death cross is based on a technical analysis of a security’s price. The short-term average dropping below the long-term average to create an X-shape is the “cross”; the “death” part of the name refers to the ominous signal that such a crossing may send for individual securities or overall markets.

A death cross tends to form over the course of three separate phases. In the first phase, the rising value of a security reaches its peak as the momentum dies down, and sellers begin to outnumber buyers. That brings on the second phase, in which the price of the security begins to decline to the point where the actual death cross occurs.

That’s typically marked as being when the security’s 50-day moving average dips under the 200-day moving average.
That crossing alerts the broader market to a potential bearish, long-term trend, which brings about the third and final phase of the death cross. In this phase, the stock may continue to lose value over a longer period.

If the dip following the cross is short-lived, and the stock’s short-term moving average moves back up over its long-term moving average, then the death cross is usually considered to be a false signal.


💡 Quick Tip: Are self-directed brokerage accounts cost efficient? They can be, because they offer the convenience of being able to buy stocks online without using a traditional full-service broker (and the typical broker fees).

What Does the Death Cross Tell Investors?

The death cross has helped predict some of some of the worst bear markets of the past 100 years: e.g., in 1929, 1938, 1974, and 2008. Nonetheless, because it’s a lagging indicator, meaning that it only reveals a stock’s past performance, it’s not 100% reliable.

Another criticism of the death cross is that the pattern sometimes won’t show up until a security’s price has fallen well below its peak. In order to alter a death cross calculation to see the downtrend a little sooner, some investors say that a death cross occurs when the security’s trading price (not its short-term moving average), falls under its 200-day moving average.

For experienced traders, investors, and analysts, a death cross pattern for a stock is most meaningful when combined with, and confirmed by, other technical indicators.

When interpreting the seriousness of a death cross, experienced investors will often look at a stock’s trading volume. Higher trading volumes during a death cross tend to reveal that more investors are selling into the death cross, and thus buying into the downward trend of the stock.

Investors will also look to technical momentum indicators to see how seriously to take a death cross. One of the most popular of these is the moving average convergence divergence (MACD), which is based on the moving averages of 15, 20, 30, 50, 100, and 200 days, and is designed to give investors a clearer idea of where a stock is trading than one that’s updated second by second.

Death Cross vs Golden Cross: Main Differences

The opposite of a death cross is known as a golden cross. The golden cross indicator is when the 50-day moving average of a particular security moves higher than its 200-day moving average.

While the golden cross is broadly considered a signal of a bull market, it has some of the same characteristics as the death cross in that it’s essentially a lagging indicator. Experienced investors use the golden cross in conjunction with other technical indicators such as trading volume and MACD.

Is a Death Cross a Reliable Indicator?

Historically, the death cross indicator has an impressive track record as a barometer of the broader stock market, especially when it comes to severe downturns, as noted above.

The Dow Jones Industrial Average (DJIA) went through a death cross shortly before the crash of 1929. More recently, the S&P 500 Index underwent a death cross in May of 2008 – four months before the 2008 crash. In both instances, investors who stayed in the market faced extreme losses. But the Dow also experienced a death cross in March of 2020. And the markets quickly rebounded, and rose to new heights.

The fact is that broad-market death crosses happen frequently. Prior to 2020, the Dow has gone through five death crosses since 2010, and 46 death crosses since 1950. Yet the index has only entered a bear market 11 times since the 1950s. A death cross doesn’t necessarily bring significant losses, either.

Even more noteworthy is that the Dow continued falling after a death cross only 52% of the time since 1950. And when it did keep falling, its median decline after a month was only 0.9%.

For short-term traders, the death cross has less value than it does for investors with longer-term outlooks. As an indicator, the death cross – especially one that’s market-wide – can be especially valuable for long-term investors who hope to lock in their gains before a bear market begins.

How to Trade a Death Cross

The death cross is a significant indicator for some investors. But it’s important to remember that it only shows past trends. As an investor, it’s equally important to use the death cross in conjunction with other indicators such as the MACD and trading volume, as well as other news and information related to the security you’re investing in.


💡 Quick Tip: Look for an online brokerage with low trading commissions as well as no account minimum. Higher fees can cut into investment returns over time.

The Takeaway

Although the ominous-sounding death cross stock pattern is valued by some analysts and investors as a way to foretell a downturn in a certain security or even the broader market, it’s really not that reliable. The main elements of the death cross — a stock’s short-term moving average and long-term moving average — are lagging indicators that may or may not predict a bearish turn of events.

The typical investor may not use or even look for death crosses as a part of their strategy. But knowing, on a basic level, what the term refers to, and why it may be important to the markets, is a good idea.

Ready to invest in your goals? It’s easy to get started when you open an investment account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), mutual funds, alternative funds, and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).


¹Opening and funding an Active Invest account gives you the opportunity to get up to $3,000 in the stock of your choice.

Photo credit: iStock/goir

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.

For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with Sofi Invest please view our fee schedule.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

¹Claw Promotion: Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease. See full terms and conditions.

SOIN0723070

Read more
Aug
04
2023
student on laptop

What Is Expected Family Contribution (EFC)?

By | Going to College, Student Loans, student_loan | Comments Off on What Is Expected Family Contribution (EFC)?

Expected Family Contribution (EFC), which will soon be replaced by the Student Aid Index (SAI), is a measure of how much a student and their family can be expected to contribute to the cost of college for an upcoming academic year. Your EFC/SAI is an important number because it impacts how much need-based financial aid you qualify for.

EFC meaning is sometimes mistaken as the dollar amount that a student and their family will pay for college. However, the amount families end up paying could be significantly more or less than the EFC, depending on the cost of attendance and scholarships.

As a result of this confusion, the EFC will be replaced by the Student Aid Index (SAI) starting in the 2024-2025 academic year. While the name change is essentially just a rebranding, there will be some changes in how a family’s expected contribution will be calculated. The change is part of the new, simplified Free Application for Federal Student Aid (FAFSA) that will be available to students in December 2023.

Here’s what you need to know about EFC/SAI and how it affects your potential aid.

Expect Family Contribution vs Student Aid Index

The Expected Family Contribution and Student Aid Index are essentially the same thing — an estimate of how much money a family can contribute out of pocket toward a student’s college education based on information provided on the FAFSA.

However, it’s only an estimate. As college tuition has gone up over the years, many students will pay significantly more than the EFC/SAI amount that the FAFSA form generates. The change from Expected Family Contribution to Student Aid Index reflects that the amount is simply a guideline, not a determination of what an applicant will pay. The switch to SAI also comes with some differences in how a family’s EFC is calculated (more on that below).

Like EFC, SAI is a vital metric used to determine how much — if any — federal financial aid students will receive to help them pay for college. However, it’s not the only factor. Eligibility for federal aid also takes into account a student’s year in school, enrollment status, and the cost of attendance at the school the student will be attending.


💡 Quick Tip: Some lenders help you pay down your student loans sooner with reward points you earn along the way.

How Colleges Used the Information

Once you complete the FAFSA, college financial aid staff will use all the information provided to determine your financial need.

Here’s the process:

1. The college financial aid staffers decide your cost of attendance (which includes tuition, fees, room and board, and books) at that school.

2. They then consider your EFC/SAI.

3. Next, they subtract your EFC/SAI from your cost of attendance to determine how much need-based aid you can get.

For example, let’s say a school’s total cost of attendance is $30,000 and your EFC/SAI is $8,000. You could qualify for up to $22,000 of need-based aid through programs like federal Pell Grants, direct subsidized loans, and the work-study program.

That doesn’t necessarily mean you will get that much aid, however. Colleges aren’t required to meet 100% of a student’s demonstrated financial need (the total cost of attendance minus your EFC/SAI). The amount you receive will depend on funding availability at your school, and how much has already been given out to other students.

Generally, the lower the SAI/EFC value, the higher the financial need, and the greater the eligibility for federal financial aid programs, such as Pell Grants, Direct Subsidized Loans, federal work-study programs.

Your offer of financial aid may change from year to year.

How Your EFC/SAI Is Calculated

EFC/SAI methodology utilizes financial information from the FAFSA (such as taxed and untaxed income, investments, assets, benefits, and household size) to quantify an applicant’s financial need. With the change to a simplified FAFSA, however, students and families will not only see a different measure of their ability to pay (SAI vs EFC), but will also experience a change in the methodology used to determine aid.

One key change is that, unlike the EFC, the SAI will not factor in the number of family members currently enrolled in college (which benefited families with multiple children in college). Three other changes that will happen with the switch from EFC to SAI:

•  Unlike the EFC, SAI can be a negative number (as low as -$1,500). This enables financial aid officers to better differentiate levels of need.

•  SAI will increase the Income Protection Allowance (IPA), which shelters a certain amount of parent income from being included in the calculation of total income.

•  The SAI calculation will eliminate the EFC allowance for state and local taxes.

After you complete the FAFSA, your EFC/SAI will be listed in the top right corner of your Student Aid Report, which outlines financial aid eligibility.

Calculating EFC/SAI With the CSS Profile

Around 200 colleges require students to provide supplemental financial information through the College Scholarship Service (CSS) Profile. The 2025-2026 list of participating institutions is available online .

Colleges may customize their questions on the CSS Profile to capture more information to evaluate a student’s financial need. For instance, the CSS Profile may ask about home value and financial information from both households if a student’s parents are separated. The CSS Profile may also consider the regional cost of living and personal circumstances in its calculation of financial need.

These colleges use the CSS Profile to calculate a different EFC/SAI for awarding their own financial aid funds. Typically, they will use their own institutional EFC/SAI methodology when determining a financial aid award.

While filling out the CSS Profile is extra work, it can give you access to private student aid from many universities and scholarship programs. However, the CSS is not used to determine federal financial aid.

Federal Need-Based Aid Available for Qualifying Students

Depending on your EFC/SAI and other eligibility criteria, a financial aid package could include the following need-based federal student aid programs.

•  Federal Pell Grant: Student eligibility for a Pell Grant is determined by financial need and the funding amount can fluctuate each year. For the 2023-2024 academic year, the maximum award is $7,395. The amount an individual student may receive depends on a number of factors.

•  Federal Supplemental Educational Opportunity Grant (FSEOG): Participating schools receive a set amount of federal funding that is distributed to students based on financial need each year. Eligible students can receive between $100 and $4,000 a year based on funding availability and their overall financial aid package.

•  Direct Subsidized Loans: Undergraduate students with financial need may qualify for subsidized loans — a type of federal student loan that does not accrue interest payments while you are in school at least half-time. Students also receive a six-month grace period on interest payments after graduation and may qualify for a deferment based on income, health, continuing education, military service, and other factors.

•  Federal Work-Study: This program provides part-time employment for undergraduate and graduate students with financial needs at participating schools. The total work-study award depends on the level of need, the timing of application, and a school’s available funding.

💡 Quick Tip: Federal student loans carry an origination or processing fee (1.057% for Direct Subsididized and Unsubsidized loans first disbursed from Oct. 1, 2020, through Oct. 1, 2024). The fee is subtracted from your loan amount, which is why the amount disbursed is less than the amount you borrowed. That said, some private student loan lenders don’t charge an origination fee.

Fill Out the FAFSA Early?

Even if you qualify for a specific amount of need-based aid, you may not receive all of it. That’s because the amount a student receives depends on the available funding at their school.

Colleges are not required to meet 100% of a student’s financial need, and some programs like the Pell Grant have limited funds that are divided up among schools each year.

It can be a smart idea to fill out the FAFSA as soon as possible to ensure they are among the first in line to receive available aid.

Typically, the FAFSA is available as of October 1 for the following academic year. However, the simplified FAFSA will not be available to students until December 2024 for the 2025-26 academic year. You have until June 30, 2025 to fill it out, but earlier may be better than later. Stay tuned for more updates on the new FAFSA deadline.

Bridging the Financial Gaps

Once you get your EFC/SAI and financial aid package (which may include scholarships, grants, work-study, and federal loans), you may find there are still some gaps in funding. If you’ve already exhausted federal loan options, you might consider looking into the possibility of getting a private student loan.

Unlike federal student loans, private loans require a credit check. Students who have strong financials (or who have cosigners who do) generally qualify for the best rates and terms. Just keep in mind that private loans don’t come with government protection programs, like forgiveness or forbearance, offered by federal student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.


Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

SOIS0723017

Read more
Jul
24
2023

Top 10 Fun Things to Do When Visiting Nashville

By | Credit | Comments Off on Top 10 Fun Things to Do When Visiting Nashville

If you’re looking for an action-packed family vacation, look no further than the birthplace of country music, Nashville, Tennessee. Not only is Nashville a major center for music events and performances, the city is increasingly known as a cultural hub with tons of restaurants, architecture, and museums.

We rounded up our favorite things to do in Nashville at every price point.

Best Times to Go to Nashville

Nashville has plenty going on year round. But if you want to enjoy that famous sunny Southern weather, plan your trip between April and October. Just know that the summer months can see temperatures in the 90s.

If you’re looking to save money on your trip, go off-season between November and March. Because there are fewer tourists, many hotels and attractions offer discount rates.

Here are a few seasonal highlights to help you schedule your visit:

•  March/April: Tin Pan South, a songwriter’s festival

•  April: Cherry Blossom Festival

•  May: Iroquois Steeplechase horse racing

•  August: Tennessee State Fair

•  October: Southern Festival of Books

•  December: Gaylord Opryland’s A Country Christmas

Hotels can fill up for these events, so plan your trip as far out as possible.

Recommended: The Best Time to Book Fall Travel

Bad Times to Go to Nashville


So are there any bad times for your Nashville trip? It depends on what you’re looking for in a vacation. If you hate crowds or heat, stay clear in the summer. And if you want to visit when everything is green and beautiful, winter might not be the ideal time. Nashville winters are mild but still chilly enough to make walking around the city uncomfortable for some.

Consider planning your visit for a week when “nothing” is going on. You’ll still find plenty of live music (of all genres, not just country), and nationally renowned restaurants.

10 Fun Must-Dos in Nashville


You’ve got almost endless options for things to do, see, hear, and eat in Nashville, and narrowing them all down can be tricky. But here’s one frequent visitor’s highly personal take on the best of the best.

1. Nashville Zoo

This zoological garden and historic plantation farmhouse is one of the top attractions in the state. Located 6 miles from downtown, the zoo houses more than 6,000 animals of several hundred species, including Andean bears, Madagascar fanalokas, and red pandas. Kids will enjoy the 20 animatronic dinosaurs that hiss and spit. Advance tickets required. Adults & teens $23, children 2-12 $19. NashvilleZoo.org/

2. Tennessee State Museum

The Tennessee State Museum aims to educate visitors about the social, political, economic, and cultural history of Tennessee through permanent and changing exhibits, events, and tours. While the museum has plenty for kids of all ages (and is free to all visitors), its Children’s Gallery is designed for ages three to eight to learn about Tennessee history in a hands-on environment. Tue-Sat 10am-5pm, Sun 1-5pm. Free. TNMuseum.org

3. Opry House Tour

For the traveler who loves country music, there’s no better place to visit than the Grand Ole Opry House. There are several themed tours — including Backstage and Women of Country — that explore the history of this iconic venue and the singers who have graced its stage. Tours every 15 mins 9:30am-4pm. Adults from $30. Opry.com/tours

4. Hop On Hop Off Nashville Tours

A great way to see the city with teens is a Hop On, Hop Off bus ride. Live guides give running commentary about the sights and history of Nashville, and you can jump off the bus to explore, then rejoin the next tour, as you like. Helpful maps direct passengers to the various sites at each stop. The Old Town tour has 13 stops and the most frequent service, while the Soul of Music tour includes stories about the music scene, original songs from diverse genres, and recommendations on the latest hot spots. 9:30am-4pm daily. From $43. TrolleyTours.com/nashville/hop-on-hop-off

5. Andrew Jackson’s Hermitage

The Hermitage is the former home of President Andrew Jackson and his family. On your visit, you can explore his home, garden, and historic buildings, as well as learn the history of the property, Jackson, and the era he lived there. There is also the Natchez Hills Winery at Andrew Jackson’s Hermitage onsite if you fancy an after-tour adult beverage. 9am-6pm daily. Adults $27, kids (5-12) $17. TheHermitage.com

6. Belle Meade History Site & Winery

Belle Meade is a beautiful example of plantation life in Tennessee. Take a tour of the gorgeous grounds or attend a food and wine pairing at the winery. You can also uncover stories of the slaves who were brought to or born at the plantation from 1807 through the years following Emancipation. 9am-5pm daily. Admission $28+ VisitBelleMeade.com/

7. Country Music Hall of Fame

Patsy Cline. Brooks & Dunn. Reba McEntire. Every country musician you know and love can be found in the Country Music Hall of Fame. Learn the stories behind the music, see iconic costumes worn by musicians, and view historical exhibits in the museum. The “Experience It All” tour (adults $72) includes tours of the Hall of Fame admission, an 1800s letterpress print shop, and RCA Studio B, where Elvis, Dolly, and Waylon recorded their hits. 9am-5pm daily. Adults $28+, kids (5-12) $18+. CountryMusicHallofFame.org/

8. Johnny Cash Museum

From goth teens to grandpas, everyone loves the Man in Black. And the Johnny Cash Museum is not your average tourist spot — USA Today named it the nation’s best music museum in 2023. Here you’ll find the largest collection of Johnny Cash memorabilia. If you’re hungry after your visit, stop by Johnny Cash’s Bar & BBQ for food and music. 9am-7pm daily. Adults $26, kids (6-15) $22. JohnnyCashMuseum.com

9. Nashville Food Scene

In-the-know visitors believe Nashville has surpassed New York City as the country’s foodie capitol. The site Eater lists not 10, but 38 essential Nashville restaurants, covering everything from southern barbecue to vegan cuisine, Parisian-style riverside cafes to recreations of an Appalachian grandmother’s home and meals. You’ll also find fabulous cooking classes, pop-ups, and speakeasies serving craft cocktails. Nashville.Eater.com

10. Explore Nashville Neighborhoods

Nashville has several distinctive neighborhoods that are worth a stroll. The Music Row / Demonbreun / Edgehill neighborhood is the heart of music culture in the city. You can also explore 12South, where you’ll find coffee shops, bakeries, and vintage stores. Or dive into the honky tonk scene downtown, where great restaurants, historic buildings, and galleries abound.

The Takeaway

Your trip to Nashville is going to be action-packed and fun for everyone. Get your bearings with a hop on, hop off trolley tour. Hit the Grand Ole Opry, Johnny Cash Museum (named the best music museum in the country by USA Today), and the historical tours at the Country Music Hall of Fame. And leave room for incredible meals at a few of the countless world-class restaurants.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.


SoFi, your one-stop shop for travel.

FAQ

What are things to do in Nashville for music lovers?

In addition to attractions like the Grand Ole Opry, the Country Music Hall of Fame Museum, and the Johnny Cash Museum, there are loads of live music events every week in Nashville.

How long should I stay in Nashville?

With so much to see in Nashville, you could stay up to five days. Allow at least a minimum of three days to enjoy the city.

What are things to do for kids in Nashville?

There’s plenty for kids of all ages to enjoy in Nashville, including the Nashville Zoo, Grand Ole Opry, and Hop On, Hop Off tours.

Photo credit: iStock/Sean Pavone

**Terms, and conditions apply: This SoFi member benefit is provided by Expedia, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider's terms: Travel Services Terms & Conditions.
The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.


Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.


Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).



Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOCC0223013

Read more
Jul
24
2023

Top 10 Fun Things to Do When Visiting New Orleans

By | Credit | Comments Off on Top 10 Fun Things to Do When Visiting New Orleans

Considering a trip to the Crescent City? Many say visiting New Orleans is like traveling to another country. There’s so much to explore in terms of culture, food, music, and fun.

Let’s look at things to do in New Orleans, as well as the best time to visit.

Best Times to Go to New Orleans

New Orleans is temperate year-round, with winter rarely dipping below the 60s during the day, and summers topping out in the 90s. That means even the winter offers a great opportunity to explore the many fun things to do in New Orleans without freezing on your vacation.

If you’re looking for action, consider going during Mardi Gras season. Mardi Gras is a different date every year, but usually falls in February or March, and the celebrations start weeks before. You’ll find both parades and events for tourists in the French Quarter, as well as smaller family-friendly parades outside the tourist area.

Here are just a few of the events hosted each year in NOLA (New Orleans + LA, for Louisiana):

•  March: New Orleans Book Festival

•  April: French Quarter Festival

•  April/May: Jazz Fest

•  June: Creole Tomato Festival

•  June/July: Essence Festival

•  October: Oktoberfest

•  November: Bayou Bacchanal

•  December: Christmas Eve Bonfires on the Levee

Learn how to find travel deals before your trip.

Bad Times to Go to New Orleans

While New Orleans parties all year round, beware the humidity. From May to September, the city can be muggy — which isn’t ideal if you’re planning many outdoor activities.

Hate crowds? You may prefer not to visit during major events like Mardi Gras or Jazz Fest. Prices tend to be higher during these peak seasons, too.

One tip for family travel is to go off-season: You may find more deals from September to April. Hot tip: Halloween brings many costumed revelers, but doesn’t get too crazy.

10 Fun Must-Dos in New Orleans

This roundup of the best things to do is based on this writer’s 20 years of visiting the Big Easy.

1. The French Quarter

If you haven’t been to the French Quarter, have you really been to New Orleans? This historic district, founded in 1718, is a great place to walk, explore, dine, and enjoy local music and culture. Many find the Quarter reminiscent of France, with its quaint buildings adorned with elaborate wrought iron railings. In fact, New Orleans is sometimes known as the Paris of the South. NewOrleans.com/plan/neighborhoods/french-quarter/

Recommended: 6 Souvenirs You Won’t Regret Buying (and 5 You Might)

2. Cafe du Monde

While you’re in the French Quarter, stop at the iconic Cafe du Monde, famous since 1862 for its beignets, fried squares of dough covered in powdered sugar. Just don’t wear white, because getting the sugar all over you is half of the fun! Adults can partake of its equally renowned chicory coffee, while kids enjoy chocolate milk. Open 24/7. Shop.cafedumonde.com/

3. Music on Frenchmen Street

If you’re looking for fun things to do in New Orleans for couples, an evening on Frenchmen Street is a must. This neighborhood on the edge of the French Quarter is home to jazz clubs like The Spotted Cat and Snug Harbor. You’ll also find great options for drinks and dinner. NewOrleans.com/plan/streets/frenchmen-street/

Recommended: What to Do if You Lose Your Wallet While Traveling

4. The French Market

The historic French Market has been around since 1791, and now houses restaurants, shops offering local flavors and gifts, and open-air markets. It’s also home to many annual events, like the Creole Tomato Festival. 10am-6pm daily. FrenchMarket.org

5. Music at Preservation Hall

One of the top things to do in New Orleans for jazz lovers is to hear music at Preservation Hall. The Hall, which has been the backdrop to some of the biggest names in jazz, offers music 350 days a year. Arrive early; the space is small, and seating is limited. Tickets from $25 standing, $40 seated. Preservationhall.com

6. Mardi Gras World

Curious about what goes into building the world-famous Mardi Gras floats of New Orleans? Mardi Gras World provides a behind-the-scenes look at how these floats are made. You can see actual artists busy at work on float features for next year’s parades. Tours every 30 mins 9:30am-4pm. Adults $22. Kids $14. MardiGrasWorld.com

Recommended: Responsible Tourism: 8 Ways Travelers Can Support the Local Community

7. Mulate’s Cajun Restaurant

If you want a taste of local cuisine and the chance to attend a fais-do-do (Cajun dance party), Mulate’s Cajun Restaurant is the place to go. The restaurant features Creole and Cajun classics like grilled oysters, jambalaya, and gumbo. Most nights, a zydeco band plays, and locals and visitors alike get the chance to cut a rug on the spacious dance floor. Mulates.com/

8. Steamboat Natchez

See New Orleans from a different perspective by taking a trip on the Steamboat Natchez. You can take a daytime or dinner jazz cruise on this last authentic steamboat on the Mississippi River. Tickets from $39. SteamboatNatchez.com

9. New Orleans Museum of Art

Art lovers will enjoy a few hours in the New Orleans Museum of Art, where you’ll find permanent and rotating exhibits of modern and historic art, as well as a beautiful sculpture garden. Tue–Sun 10am–5pm; Wed 12pm–7pm. Adults $15; kids and teens free. NOMA.org

10. New Orleans Historic Voodoo Museum

New Orleans is known for its darker side. If that appeals, you won’t want to miss a trip to the Voodoo Museum. Here you’ll discover the secrets, rituals, and traditions of voodoo practitioners, past and present. There is also an optional walking tour that includes Congo Square and Marie Laveau’s house. 11am-7pm daily. VoodooMuseum.com

The Takeaway

With so much to see, do, and eat in New Orleans, the challenge will be fitting it all in during your vacation! Music is a big part of city culture, so don’t miss a live performance at Preservation Hall or one of the many jazz clubs on Frenchmen Street. If you’re feeling daring, check out the Voodoo Museum. Or just relax with beignets and chicory coffee at Cafe du Monde and watch the crowds go by.

SoFi Travel is a new service exclusively for SoFi members. Through a partnership with Expedia, we make it easy to find the lowest rates and book your reservations — for flights, hotel rooms, car rentals, and more — all in one place. Earn 2x rewards when booking with your SoFi Mastercard or debit card. And when you redeem your SoFi rewards for travel, you get a 25% bonus: $100 of reward points are worth $125.


Wherever you’re going, get there with SoFi Travel.

FAQ

What is the most popular thing to do in New Orleans?

The historic French Quarter is by far the most popular area of the city for visitors. There, you can find museums, music events, and restaurants offering Creole and Cajun cuisine.

What are popular events in New Orleans?

Mardi Gras and Jazz Fest are two of the largest annual events held in New Orleans, drawing thousands of visitors from around the globe.

How many days should I spend in New Orleans?

While you could easily spend five to seven days in the Crescent City, plan for at least three to four to see as much as possible.

Photo credit: iStock/Kruck20


**Terms, and conditions apply: This SoFi member benefit is provided by Expedia, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider's terms: Travel Services Terms & Conditions.
The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.


Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.


Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).


Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOCC0223016

Read more
Close modal

See what SoFi can do for you and your finances.

Select a product below and get your rate in just minutes.

Student Loan
Refinancing

Personal
Loans

Online
Investments

Other

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2023 was around $33K. Information current as of 2/26/24. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.

✝ To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

©2025 Social Finance, LLC All rights reserved.
TLS 1.2 Encrypted
Equal Housing Lender