By: Chris Bemis

Trader Joe’s Delivery Is Available on Doordash

Trader Joe’s doesn’t offer delivery, but a wide number of items are available on Doordash.  You can choose from a variety of items and just need to confirm if its available in your area.

Amazon acts like they offer delivery, but it’s only a few items.  If you want Trader Joe’s Peanut Butter Cups for about triple the normal price, then you might be good on Amazon.

Trader Joe’s will likely never offer a delivery service since it goes against the general vibe of the store.  The goal of TJs is to offer low prices and a simplified shopping experience.  They only offer their store brand and have limited options for each item.  I’ve also included some thoughts for the next trip you end up taking.

Trader Joe’s Hours

Most Trader Joe’s stores have hours of operation from 8AM-9PM.   The peak times are in the afternoon and right after work during the week.

On weekend, the store is generally completely packed and so just be ready if you need to make a weekend shopping run.

Check the website for your local store to confirm: Trader Joe’s Store Directory | Grocery Store

If your schedule allows for it, the late morning is usually not very crowded, but it that doesn’t work then the 8-9PM window is often the best time to move through the store.  The store thins out at the end of the day and that will help you move through the store quickly and avoid the stress of peak hours.

Stuffed Animal Mascots in Each Store

If you have kids in tow, make sure to look for the stuffed animal mascot that each store has hidden around the aisles.  Kids get a free sucker when they find the mascot.  You can’t get that experience from Doordash and so maybe it’s worth heading in from time to time.

This is a store that take the time to hide a mascot every day and so this is another example of why Trader Joe’s delivery doesn’t fit the vibe of the store.  TJ’s wants you to come in and have the experience of grocery shopping.

So many amazing snacks for you to walk by

Another reason that Trader Joe’s Delivery doesn’t exist is that TJs knows that they have the best snacks around.  They 100% want hungry people walking with all those yummy cookies and crackers to cruise past.

Trader Joe’s Gift Cards – Also only available in the store

A great gift for friends and family is a Trader Joe’s Gift Card, but in keeping with the theme of this article they are only in the store.

Conclusion

Trader Joe’s delivery is available on Doordash for a more thorough shopping run.  Amazon has a few select items that are most likely resale.  Trader Joe’s really wants you to come by the store.  TJ’s fights to keep prices down and the shopping experience simple.  Head into your local store, find the mascot and enjoy the quirky experience that is Trader Joe’s.

Do you need help with a legal issue affecting a large group of people?

A class action lawsuit lawyer can guide you through the complex process of seeking justice. These cases can be challenging, but the right lawyer makes all the difference.

From understanding your rights to building a strong case, they handle the hard work for you. But how do you find the right one and know what to expect?

This guide will explain everything you need to know about hiring a class action lawyer. Ready to take the first step toward justice? Let’s get started!

Confirm Your Case Qualifies

To hire the right lawyer for class action lawsuit cases, you must confirm your case qualifies. A class action lawsuit involves a group of people with the same legal issue. This could be about faulty products, data breaches, or unfair practices. Your case must show common harm or damages across the group.

A lawyer for class action lawsuit cases can review the details to see if they fit the criteria. They will also check if the group is large enough to proceed.

Search for Experienced Lawyers

Finding the right lawyer class action expert is important for your case. Start by searching for lawyers who focus on class action lawsuits. Look for their experience in handling similar cases. Check their track record to see if they have won cases like yours. Reviews and referrals can help you find trusted options.

A skilled lawyer class action professional knows how to handle complex group lawsuits. Choosing an experienced lawyer will give your case a better chance of success.

Check Credentials and Reviews

Before you hire an employment lawyer in LA, check their credentials. Make sure they are licensed and specialize in class action cases. Look at their education and legal background to confirm their expertise. Reviews from past clients can show how well they handle cases. Positive reviews mean they are reliable and skilled.

You can also ask for references to learn more about their success. Checking credentials and reviews helps you pick the best lawyer for your needs.

Schedule Initial Consultations

Scheduling an initial consultation is a key step when hiring a class action lawyer. This meeting helps you understand how the lawyer works. You can explain your case and see if the lawyer is a good fit. Many lawyers offer free consultations, so take advantage of this.

During the meeting, ask about their experience with similar cases. It’s also a chance to discuss fees and how they charge. This will help you make an informed decision before hiring a lawyer.

Evaluate Communication Skills

Clear communication is essential when working with a class action lawyer. They should explain legal terms and processes in simple language. A good lawyer will respond promptly to your questions.

Pay attention to how well they listen to your concerns. Frequent updates on the case’s progress show their commitment. Poor communication can lead to misunderstandings or missed deadlines. Choose a lawyer who makes you feel confident and informed.

Learn More About Hiring a Class Action Lawyer

In conclusion, hiring a class action lawyer is an important step for anyone facing a legal issue that affects a group. A skilled class action lawyer can guide you through the process and help you get the justice you deserve.

Make sure to choose a lawyer with the right experience and a good track record. They will work hard to represent your best interests and lead your case to success.

Looking for more tips and ideas? We’ve got you covered. Check out some of our other posts now.

One of the notions that you will hear often in the cloud world is the concept of cloud maturity. But for a lot of people, this seems very odd and certainly different to anything they know. The thing is, when it comes to cloud technology, you do want to see if the company has the maturity, education and toolkits needed to expand their focus on using the cloud.

And that’s where the cloud maturity idea comes into play. You can measure the cloud maturity of a company based on how much they are able to scale, and also how easy that process is to do. Because a lot of the time, that might not be as simple, nor as effective.

How can you assess your cloud maturity level?

Even if you think you might be ready to use the cloud system, it’s a good idea to perform an assessment. That will help quite a bit, and it will narrow down the right approach when it comes to adopting the cloud systems. And here’s what you need to focus on.

Understanding the key areas you want to track

A lot of the time, cloud maturity will focus on specific things, such as tools you need to use, budgeting, stakeholder engagement, but also cost management. Environment-related ideas and policies can also be a part of this process. That’s why you want to learn how to address everything, and how to adapt the entire experience in a way that works rightfully. Because that will help save time, and the return can be exceptional in the end.

Study the competition

At what level is the competition in regards to the use of cloud systems? Studying that and comparing with others within the niche can be very effective and useful, so do take that into consideration as much as possible. A lot of the time, you will be right in the middle, or maybe at the lower side of the spectrum.

Assess your security level

Do you have the right amount of security necessary to protect and safeguard data? Sometimes you might over-estimate things, and that’s the approach you want to have. Even if there’s a clear trial and error system, you still want the best possible security.

Do you have any plan B?

Even if you migrate your data to the cloud and you can do that now, you also have to take into account potential issues. Having a plan B is crucial, and it will allow you to save quite a lot of time and effort. That’s why having a plan B is a handy idea, and totally worth your time.

Following these steps is a great way for you to assess cloud maturity and see if you are at the right level to adopt cloud systems. A lot of the time, you’ll notice that your business is not as ready as you might think. That’s why focusing on security, staff training, but also safeguarding data is of the utmost priority!

Real estate investment banking is a niche within the broader investment banking sector, dedicated to raising capital, offering advisory services, and managing transactions related to real estate assets. As the global demand for real estate continues to rise, so does the need for specialized financial expertise to guide investors, developers, and institutions in making informed decisions about capital allocation. This sector’s unique combination of finance, strategy, and asset management makes professionals in the field increasingly indispensable. But what does it take to stand out and secure a lasting career in real estate investment banking?

In this essay, we’ll explore how you can position yourself as a key player in the industry, honing the skills and knowledge necessary to thrive, stay relevant, and become indispensable.

The Growing Importance of Real Estate in the Global Economy

Real estate has always played a significant role in the global economy, but in recent years, its importance has escalated. Urbanization, population growth, the rise of real estate investment trusts (REITs), and the increasing need for infrastructure development have all contributed to real estate becoming a major asset class. According to data from MSCI, real estate is now the third-largest asset class after bonds and equities.

Investment banking in real estate plays a pivotal role in this landscape by providing essential services such as debt and equity financing, mergers and acquisitions advisory, and restructuring services for property portfolios. With real estate projects becoming larger and more complex, the demand for professionals who can navigate both the financial and operational intricacies of these projects has never been greater.

Why Real Estate Investment Banking?

The complexities of real estate transactions demand specialized knowledge in areas like zoning laws, property management, tax implications, and market trends. Real estate investment bankers must have a strong understanding of both financial analysis and real estate markets to offer clients the best advice.

Moreover, the sector requires experts to assess risks, understand regulatory landscapes, and create value in an asset class that, while historically appreciating over time, is not without volatility. The intersection of these skills makes real estate investment bankers crucial to the success of their clients, from real estate developers to institutional investors and high-net-worth individuals.

Key Skills to Make Yourself Indispensable in Real Estate Investment Banking

1. Deep Industry Knowledge: Real estate is heavily influenced by local regulations, economic trends, and demographic shifts. To become indispensable, an investment banker must be familiar with the intricacies of these forces and be able to advise clients accordingly. This involves having up-to-date knowledge of zoning laws, property taxes, local market trends, and the broader economic environment.
   Additionally, understanding niche sectors like commercial real estate, residential properties, industrial spaces, and hospitality projects enables a banker to provide more tailored advice.
2. Financial Expertise: Real estate investment bankers must excel in financial modeling, valuation techniques, and capital markets. Building financial models that forecast cash flows, calculate returns, and assess risks requires a robust understanding of finance. In particular, discounted cash flow (DCF) analysis, internal rate of return (IRR) calculations, and net asset value (NAV) assessments are key tools that any real estate investment banker must master.
   Moreover, as real estate projects often involve complex debt structures, knowledge of financing options—such as commercial mortgage-backed securities (CMBS), loans, mezzanine financing, credit card debt, mortgaging, and preferred equity—is essential. Speaking on this, Gareth Boyd, Head of Growth at the credit card comparison website Credit Card Compare, says “it’s important for mortgage applicants to consider the impact of their credit card debt not just on loan affordability, but also how much you can borrow.”
3. Relationship Management Networking and relationship-building are central to success in real estate investment banking. Relationships with property developers, institutional investors, regulatory bodies, and lenders provide the necessary insights and opportunities to stay ahead of competitor intelligence.
   Additionally, real estate transactions often involve long timelines and complex negotiations, requiring bankers to maintain strong relationships over extended periods. Fostering trust, demonstrating value, and offering ongoing support ensures that clients return for future deals.
4. Market Analysis and Forecasting Real estate markets are constantly evolving, impacted by changes in economic conditions, interest rates, and consumer behavior. A banker’s ability to predict these changes and advise clients accordingly can make them invaluable. An indispensable real estate investment banker knows how to interpret economic indicators, such as employment data, inflation rates, and interest rates, and their impact on the property market.
   Moreover, the ability to perform comparative market analysis (CMA) and evaluate property values relative to market conditions allows bankers to make informed decisions about the timing of investments.

The Role of Technology in Real Estate Investment Banking

Technology is reshaping real estate investment banking by making data more accessible, improving market analysis, and streamlining transactions. PropTech, for example, is transforming the real estate industry by enabling better property management, enhanced tenant experiences, and more efficient transactions. Investment bankers who are well-versed in these technological advancements will have a competitive edge.

Moreover, the use of data analytics and machine learning in real estate valuations and market predictions is becoming increasingly important. By leveraging big data, bankers can offer more accurate forecasts and tailored investment strategies to clients, further solidifying their indispensable role.

How to Build a Lasting Career in Real Estate Investment Banking

1. Specialize in a Niche Market Real estate is a broad field, and specializing in a particular area—whether it’s residential, commercial, or industrial—can help you stand out. Specialization allows you to become the go-to expert in a specific market segment, making your skills more valuable to clients who operate in that niche.
2. Cultivate a Strong Professional Network Building a robust network of industry contacts is crucial for staying on top of market trends, finding new opportunities, and advancing your career. Regularly attending industry events, joining professional associations, and staying in touch with past clients can help you build a network that will support you throughout your career.
3. Commit to Lifelong Learning The real estate sector is dynamic, with new trends, regulations, and technologies constantly emerging. To remain indispensable, you must commit to ongoing education and professional development. This can involve pursuing advanced certifications, attending industry conferences, or enrolling in courses related to finance, law, and real estate.

Conclusion

Real estate investment banking is a challenging yet rewarding field that offers significant opportunities for those who are willing to invest the time and effort into becoming experts. By developing deep industry knowledge, honing financial expertise, building strong relationships, and staying adaptable, you can position yourself as an indispensable player in this niche sector. As the global demand for real estate continues to rise, so too will the need for skilled professionals who can navigate the complexities of the market, making real estate investment bankers critical to the industry’s future.

By: Chris Bemis

Mechanical engineering offers a wealth of career opportunities across various industries. From automotive design to aerospace innovation, mechanical engineers play a crucial role in many fields. Below are five rewarding career paths for mechanical engineers and the top cities where these jobs thrive.  The opportunities are incredibly diverse and hopefully this gives some ideas for those pursuing and ME degree.

1. Aerospace Engineer

Overview: Aerospace engineers specialize in designing, testing, and improving aircraft, spacecraft, satellites, and missiles. They work with advanced technologies, including computer-aided design (CAD) software, to ensure performance, safety, and environmental compliance. These engineers may find themselves designing next-generation rockets, improving airplane aerodynamics, or ensuring spacecraft can withstand extreme conditions.

Top Cities:

• Los Angeles, California: Home to major aerospace companies like Northrop Grumman, and SpaceX, Los Angeles is a hub for aerospace innovation.
• Huntsville, Alabama: Known as “Rocket City,” Huntsville hosts NASA’s Marshall Space Flight Center and numerous aerospace companies.
• Seattle, Washington: As the headquarters of Boeing and many of its top suppliers like Parker Hannafin (formerly Exotic Metals Forming Company), Seattle has a long history in aerospace and offers abundant opportunities.

2. Automotive Engineer

Overview: Automotive engineers design and develop vehicles, from the body and structure to the engine and other mechanical components. The industry is rapidly evolving due to the shift toward electric vehicles (EVs) and autonomous driving technologies, making it an exciting field for mechanical engineers interested in cutting-edge automotive technology.

Top Cities:

• Detroit, Michigan: Known as the “Motor City,” Detroit remains a leading automotive center with major automakers like Ford, GM, and Stellantis headquartered there.
• San Francisco, California: With tech companies like Tesla and autonomous vehicle firms in Silicon Valley, the Bay Area is a prime location for automotive engineers focusing on EVs and self-driving cars.

3. Renewable Energy Engineer

Overview: As the demand for sustainable energy grows, renewable energy engineers work on creating and optimizing systems that harness energy from renewable sources like wind, solar, and hydro. Mechanical engineers in this field contribute by designing efficient turbines, improving energy storage systems, and reducing environmental impacts.

Top Cities:

• Houston, Texas: Known for its energy sector, Houston is increasingly investing in renewable energy, providing a transition hub for engineers with experience in traditional and renewable energy.
• Denver, Colorado: Denver has a growing green energy industry with opportunities in wind, solar, and sustainable engineering projects.

4. Robotics Engineer

Overview: Robotics engineers design and build robots for various applications, from manufacturing to medical procedures. Mechanical engineers in this field apply their skills to create machines that can perform precise and complex tasks. This career is ideal for those interested in automation, artificial intelligence, and the future of manufacturing.

Top Cities:

• Boston, Massachusetts: With renowned institutions like MIT and companies like Boston Dynamics, Boston is a major hub for robotics innovation.
• Pittsburgh, Pennsylvania: Home to Carnegie Mellon University’s Robotics Institute and a growing robotics industry, Pittsburgh offers numerous opportunities.

5. Biomedical Engineer

Overview: Biomedical engineers work on developing medical devices, prosthetics, and systems that improve healthcare. Mechanical engineers specializing in biomechanics, medical imaging, and device design find this field rewarding as it combines engineering principles with healthcare to enhance patient outcomes.

Top Cities:

• San Diego, California: A hub for biotechnology, San Diego offers roles in medical device development, including research facilities and companies like Illumina and Medtronic.
• Minneapolis, Minnesota: Known for its medical device industry, Minneapolis hosts companies like Medtronic and 3M, which provide numerous biomedical engineering opportunities.
• Boston, Massachusetts: Boston’s vibrant biotech and healthcare sectors make it an ideal location for biomedical engineers looking to innovate in medical technology.

By: Chris Bemis

In the world of NIL and still clearing the dust from the imploding of the PAC12, the WSU Football Team is 8-1 and currently sits in contention of the college football playoffs.  This isn’t supposed to happen when many other programs are able to vastly outspend them in NIL deals and when their players can leave now that they sit outside the power 5.  However, on their run this season the team and Coach Dickert are teaching the world some valuable lessons that translate off the football field.

You can always reinvent yourself and be successful

Jake Dickert took over for Air Raid Legend Mike Leach.  Leach threw the ball more than anyone in the nation over his coaching career and built a team to win with a high-octane offense and historically a pretty weak defense.  Dickert came to Pullman and started to shift the team to a defense first philosophy that consistently stays in games by limiting their opponents rather than outscoring them.  This season, the Cougs have turned even more to the run with quarterback John Mateer running for over 200 years in one game and the team as a whole consistently rushing for more yards than they pass for.  It’s a new look for Coug fans, but it has brought a new energy and its ended up in quite a few wins so far.

A Solid Program Can Hold Together Even When Everything is Falling Apart

At the end of last year, the Pac 12 fell apart and WSU was left out in the cold.  Then to add insult, the Cougs start Quarterback, Cam Ward, signed with Miami for an NIL deal that WSU could never touch.  It seemed bleak.  However, Jake Dickert was still there, and its clear that his leadership and program are much stronger than the forces challenging the team.  The Cougs were able to rally to a top 25 ranking and can look forward with hope to the coming years as long as Dickert is still on the Palouse.  One of WSU’s leading receivers this season, Kris Hutson, transferred from Oregon after losing playing time and has been rejuvenated this season with over 500 yards.  Dickert is able to consistently build into players that others have overlooked and its got the WSU program moving in the right direction.

There is Always Hope for the Little Guy – Even When Your Conference Disintegrates

The coolest thing about the run that WSU and Dickert are having is that it proves that even with the massive shift from the NIL, there is still hope for programs that typically haven’t had the greatest recruits and will never have the most money to spend.  Hopefully Dickert keeps his program rolling for years to come and continues to show that the core things that make college football great still matter.  There is still space to build a program and develop players who don’t come in with 5 star recruiting ratings.

This article is part of an effort by personalfinanceblogs.com to celebrate the principles that make for success in life and money.  The ability to find value where others don’t and building a program for a college football team share many of the core elements that make a financially successful person out in the stands.  Hope you enjoyed this article and please check out our featured articles from the best minds in the world of personal finance.

By: Chris Bemis

These cities are all midsize metro areas with strong job markets, plenty of downtown restaurants and quality neighborhoods for families.  These mid-size cities are some of the best places to live in the Midwest.  Each offers reasonable housing costs, which is a major reason to look at the Midwest for anyone thinking about a move for a better cost of living.  Two of the top neighborhoods are included for anyone looking to explore these cool cities on Zillow.

1. Grand Rapids, Michigan

• Average Home Price: $274K (Zillow as of Nov. 2024)
• Average Household Income: $78K

Grand Rapids, known for its art scene, breweries, and beautiful riverside parks, combines affordability with a thriving culture. It’s consistently rated as one of Michigan’s best places to live, particularly for families and young professionals.   Access to Lake Michigan and Manistee National Forest also offer fun outdoor recreation within a short drive.

• Eastown: Eastown is vibrant and eclectic, with a strong sense of community and many historic homes. The neighborhood is known for local coffee shops, art galleries, and annual festivals. Housing ranges from quaint bungalows to larger historic homes, with prices often between $250,000 and $350,000.
• Heritage Hill: Known for its historic architecture, Heritage Hill offers beautiful, well-preserved homes dating back to the 1800s. This area appeals to families and those interested in history, with houses typically between $300,000 and $400,000, depending on size and updates.

2. Des Moines, Iowa

• Average Home Price: $204K (Zillow as of November 2024)
• Average Household Income: $80K

Des Moines has been gaining attention for its affordable housing market, low cost of living, and career opportunities, especially in insurance and finance.  The downtown is very accessible thanks to its network of Skywalks which is also great for exploring the city during the winter.

• Beaverdale: Known for its “Beaverdale Brick” homes, this neighborhood has a unique charm with tree-lined streets and a family-friendly environment. Homes here average around $250,000, making it accessible for middle-income families looking for a close-knit community.
• East Village: East Village is ideal for young professionals with its proximity to downtown and vibrant nightlife. The neighborhood has a mix of modern apartments and historic buildings, with home prices varying from $200,000 to $300,000. This area is known for boutiques, art galleries, and excellent restaurants.

3. Fort Wayne, Indiana

• Average Home Price: $230K (Zillow as of November 2024)
• Average Household Income: $77K

Fort Wayne is a rapidly growing city in Indiana with a robust job market as a regional healthcare hub, affordable living, and family-friendly amenities like the Fort Wayne Children’s Zoo and numerous parks.  This city also offers some interesting opportunities for someone looking to fix up an older home and get it at a great price.

• West Central: Known for its historic homes and artsy vibe, West Central has been revitalized over recent years. Home prices vary, with well-maintained historic homes often between $180,000 and $300,000. The neighborhood is close to downtown and has a charming mix of old and new buildings.
• Aboite Township: Aboite Township is a highly desirable area for families, with great schools, parks, and trails. Homes here range from $250,000 to $350,000, with access to shopping and dining nearby. This suburban area provides a quieter lifestyle with an emphasis on family-friendly amenities.

4. Madison, Wisconsin

• Average Home Price: $390K (Zillow as of November 2024)
• Average Household Income: $102K

Madison combines the benefits of a college town with a strong economy and abundant recreational options. Known for its lakes and bike-friendly culture, the city is ideal for outdoor enthusiasts and young families.   Madison has all the vibes of western cities like Portland or Missoula, but at a fraction of the cost.

• Nakoma: A sought-after neighborhood with mid-century homes and a close-knit community, Nakoma is just minutes from downtown. Houses here range from $350,000 to $450,000, often on spacious lots with mature trees. The area is popular for its family-friendly atmosphere and quality schools.
• Willy Street (Williamson Street): Known for its bohemian vibe, Willy Street attracts young professionals and artists. Housing here includes historic homes and condos, with prices generally between $300,000 and $400,000. The neighborhood boasts unique shops, cafes, and a lively arts scene.

5. Fargo, North Dakota

• Average Home Price: $295K (Zillow as of November 2024)
• Average Household Income: $90K

Fargo offers small-town charm with big-city amenities. Known for its low crime rate and high-quality schools, Fargo is an attractive option for families looking for a safe and affordable place to settle down.  The winters in this part of the country are tough, but it is also a great opportunity to embrace hockey and still have some money left over for a quick trip down South in January.

• South Fargo: This area is one of Fargo’s most desirable for families. With modern homes, parks, and shopping centers, South Fargo homes average around $275,000. Residents appreciate the suburban atmosphere and good schools.
• Downtown Fargo: A vibrant urban hub with restaurants, theaters, and boutiques, Downtown Fargo has been revitalized in recent years. The area has a mix of modern apartments and historic lofts, with home prices ranging from $200,000 to $300,000. It’s a popular choice for young professionals who enjoy a walkable neighborhood.

6. Springfield, Missouri

• Average Home Price: $231K (Zillow as of November 2024)
• Average Household Income: $58K

Springfield offers affordable living and is known for its green spaces, outdoor activities, and a relaxed pace. It’s a great choice for those looking for a quieter, family-friendly environment and with the University in town it has a great energy in town during the school year.

• Rountree: Rountree is one of Springfield’s most charming neighborhoods, with tree-lined streets and Craftsman-style homes. Average home prices here are around $200,000 to $250,000. It’s close to downtown and has a vibrant community vibe.
• Phelps Grove: Near Missouri State University, Phelps Grove has beautiful parks and well-maintained historic homes. It appeals to both families and college students, with average home prices between $180,000 and $240,000.

In the world of NIL and major realignment in college football, the Indiana Football Team is 10-0 and currently sits in contention of the college football playoffs.  This isn’t supposed to happen when many other programs are able to vastly outspend them in NIL deals and when they have a coach who has never been a head man at the power five level.  However, on their run this season the team and Coach Cignetti are teaching the world some valuable lessons that translate off the football field.

Look for Value that others don’t see

Curt Cignetti wasn’t the hottest coaching hire in the world, but he’s been successful everywhere he’s been.  He turned around every program he’d been at since becoming a head coach in 2011.  He was also part of the University of Alabama coaching staff under Nick Saban where he learned from the greatest coach in college football history.  However, he is a bit older than many prized coaching hires and in his last stop he was only at James Madison which isn’t a major program even though they had a great four year run with Cignetti at the helm.  Due partly to not looking the part of the next big hire, Cignetti didn’t get poached by a larger program, but Indiana saw a winner and took a chance.

Having Money to Spend isn’t as important as the Program Being Built

Indiana will never be able to touch Michigan in terms of NIL money or recruiting prowess.  The Wolverines will always have higher levels of recruits because of the way the world of college football is structured.  However, with Jim Harbaugh and his program out, the advantage of coaching and system were with the Hoosiers which beat the Wolverines this season, but also hold a 10-0 record to Michigan’s 5-5.  The infrastructure that Harbaugh is famous for building has quickly deteriorated in his first season away, while Cignetti continues to show that he is able to translate his program to whatever level he moves to.

There is still hope for the Little Guy – Even in the World of NIL Money

The coolest thing about the run that India and Cignetti are having is that it proves that even with the massive shift from the NIL, there is still hope for programs that typically haven’t had the greatest recruits and will never have the most money to spend.  Hopefully Cignetti keeps his program rolling for years to come and continues to show that the core things that make college football great still matter.  There is still space to build a program and develop players who don’t come in with 5 star recruiting ratings.

This article is part of an effort by personalfinanceblogs.com to celebrate the principles that make for success in life and money.  The ability to find value where others don’t and building a program for a college football team share many of the core elements that make a financially successful person out in the stands.  Hope you enjoyed this article and please check out our featured articles from the best minds in the world of personal finance.

By: Chris Bemis

Chemical engineering is a versatile field that opens doors to a variety of industries, from manufacturing and healthcare to environmental science and renewable energy.  Here are five dynamic career options for chemical engineers, along with the top cities to find these opportunities.

1. Process Engineer

What They Do:

Process engineers focus on designing, implementing, and optimizing production processes. They work in industries like chemicals, pharmaceuticals, and food manufacturing, ensuring that production is efficient, safe, and environmentally friendly.

Top Cities:

• Houston, TX: Known as the energy capital of the U.S., Houston hosts many companies in oil, gas, and chemical manufacturing, providing ample opportunities for process engineers.
• Philadelphia, PA: Philadelphia’s strong pharmaceutical and biotechnology industries are ideal for process engineers, especially those interested in healthcare.
• Chicago, IL: Chicago has a broad manufacturing base that includes food production, chemicals, and bioengineering, making it an ideal spot for process engineering jobs.

2. Environmental Engineer

What They Do:

Environmental engineers focus their attention large scale projects related to environmental impact of large scale industry or development. They work on projects involving water treatment, pollution control, waste management, and air quality, contributing to a sustainable future.

Top Cities:

• San Francisco, CA: With a focus on environmental sustainability and numerous tech companies supporting green initiatives, San Francisco is ideal for environmental engineers.
• Seattle, WA: Known for its commitment to sustainability, Seattle provides many opportunities in waste management, air quality control, and environmental consulting.
• Denver, CO: Denver’s proactive approach to renewable energy and environmental protection makes it a top city for engineers focused on environmental impact.

3. Pharmaceutical Engineer

What They Do:

Pharmaceutical engineers develop and improve drug production processes. They play a critical role in bringing new medications to market by optimizing the chemical formulations and manufacturing processes required for drug safety and efficacy.

Top Cities:

• Boston, MA: As a hub for pharmaceutical and biotech firms, Boston is a top destination for chemical engineers interested in pharmaceutical development.
• Raleigh-Durham, NC: Known as the Research Triangle, this area is home to many pharmaceutical companies, providing a range of career options for chemical engineers.
• San Diego, CA: San Diego’s strong biotech industry and research centers make it a prime location for pharmaceutical engineers looking to work on groundbreaking drugs and therapies.

4. Energy Engineer

What They Do:

Energy engineers develop and improve processes for energy production, storage, and efficiency. From petroleum to renewable energy sources like solar and wind, they ensure the world’s energy needs are met sustainably.

Top Cities:

• Houston, TX: As the core of the U.S. energy industry, Houston provides opportunities for energy engineers in oil, gas, and emerging renewable sectors.
• Pittsburgh, PA: Pittsburgh’s focus on renewable energy and green technology makes it a growing hub for engineers interested in energy innovation.
• Los Angeles, CA: With California’s commitment to renewable energy, Los Angeles offers numerous positions in solar, wind, and other sustainable energy fields.

5. Food and Beverage Engineer

What They Do:

Food and beverage engineers are responsible for developing processes and products in the food industry. They work to improve food safety, flavor, nutrition, and production efficiency, playing a crucial role in feeding the world safely and sustainably.

Top Cities:

• Chicago, IL: As a major center for food processing and manufacturing which makes it an excellent city for engineers looking to work with top companies in the industry.
• Los Angeles, CA: With a strong food production sector, Los Angeles offers diverse opportunities in food and beverage engineering, particularly for those interested in health-focused and organic products.
• Columbus, OH: Known for its food industry, Columbus is home to many large-scale food and beverage companies, offering opportunities in process optimization and innovation.

By: Chris Bemis

Pharmaceutical engineering has grown rapidly over the last decade, offering ample opportunities for professionals looking to work at the intersection of healthcare and engineering. This career is essential to developing new medications, improving manufacturing processes, and ensuring quality control in the production of pharmaceuticals. Here are five top cities for pharmaceutical engineering jobs in the U.S., along with insights into their real estate markets.

1. Boston, Massachusetts

Boston is a well-known hub for biotechnology and pharmaceutical companies. Home to prominent institutions such as Harvard, MIT, and numerous world-class research hospitals, Boston is a global leader in life sciences and pharmaceutical research and development. The city’s thriving biotech scene offers ample opportunities for pharmaceutical engineers, especially in research and manufacturing roles.

• Average Home Price: $835,000

• Cost of Living:

  Boston’s cost of living is high, with housing being a significant factor. However, the city’s high salaries in the biotech and pharmaceutical fields help offset this for many professionals.

2. San Francisco Bay Area, California

The San Francisco Bay Area, including the South Bay and Silicon Valley, has established itself as a powerhouse in biotechnology and pharmaceuticals. Home to major pharmaceutical companies, biotech firms, and a strong start-up culture, the area offers an innovative atmosphere ideal for pharmaceutical engineers. Genentech, one of the largest biotechnology companies, is based here, and numerous others have headquarters or satellite offices in the area.

• Average Home Price: $1,400,000

• Cost of Living:

  Real estate prices are some of the highest in the country, which can be a challenge. Still, the job market for pharmaceutical engineers is competitive, with high salaries to match.

3. Raleigh-Durham, North Carolina

Raleigh-Durham, specifically the Research Triangle area, has become a leading center for pharmaceutical and life sciences companies. Major companies such as Pfizer, GlaxoSmithKline, and Biogen have facilities here, making it one of the most significant regions for pharmaceutical research and manufacturing. The area also benefits from a lower cost of living compared to other biotech hubs, making it a popular choice for professionals seeking a balance of job opportunities and affordability.

• Average Home Price: $460,000

• Cost of Living:

  More affordable than many other biotech centers, Raleigh-Durham offers a high quality of life and ample job opportunities in pharmaceutical engineering without the extreme housing costs found in other cities.

4. Philadelphia, Pennsylvania

Philadelphia has a growing pharmaceutical and biotechnology sector with numerous companies conducting research, manufacturing, and product development. The city is home to many healthcare and research institutions, and with nearby access to the New Jersey pharma corridor, it’s an excellent choice for pharmaceutical engineers seeking a variety of job opportunities.

• Average Home Price: $320,000

• Cost of Living:

Philadelphia’s relatively affordable housing market makes it attractive for professionals. While the cost of living is higher than the national average, it remains manageable compared to cities like Boston and San Francisco.

5. Indianapolis, Indiana

Indianapolis has emerged as a strong player in the pharmaceutical industry, with a lower cost of living and major employers like Eli Lilly and Company. The city provides pharmaceutical engineers with opportunities in pharmaceutical manufacturing, quality control, and drug development, with a favorable housing market that’s accessible to young professionals and families.

• Average Home Price: $295,000

• Cost of Living:

Indianapolis offers one of the most affordable housing markets on this list, making it an appealing choice for pharmaceutical engineers seeking a solid job market without the high costs associated with other large cities.