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Lowest Credit Card Debt in NJ: County Rankings

by Alexandra Hartman Editor-in-Chief
written by Alexandra Hartman Editor-in-Chief

Somerset County Shows prudent Credit Card Habits in New Jersey

Somerset County, known as one of New Jersey’s wealthiest, demonstrates fiscally responsible habits when it comes to credit card usage.

A recent SmartAsset study highlights that Somerset County boasts some of the lowest credit card debt levels relative to annual income in the Garden State.

Key Findings: Somerset County Credit Card Debt

The study analyzed credit card debt per person in relation to income and net worth, generating a debt-adjusted score to pinpoint areas where residents manage credit cards most effectively.

Residents of Somerset County carry an average credit card debt that represents just 8.25% of their income. This figure is the second-lowest in New Jersey, with an average income reported at $70,321 and average credit card debt at $5,798.49.

Hudson County leads the state with the lowest credit card debt rate, standing at 7.87%.

New Jersey county Credit Card Debt Rankings

Here’s a look at how New Jersey counties rank regarding credit card debt relative to income:

Rank County Income Credit Card Debt Credit Card Debt % of Income Overall Index
1 Hudson County $53,998.00 $4,249.98 7.87% 29.99
2 Somerset County $70,321.00 $5,798.49 8.25% 29.47
3 Cape May County $54,325.00 $4,665.80 8.59% 29.00
4 Morris County $69,226.00 $5,968.60 8.62% 28.95
5 Mercer County $52,101.00 $4,632.04 8.89% 28.58
6 Hunterdon County $71,070.00 $6,373.62 8.97% 28.47
7 Essex County $48,021.00 $4,347.18 9.05% 28.36
8 Union County $51,850.00 $4,695.50 9.06% 28.35
9 Monmouth County $65,545.00 $5,957.80 9.09% 28.31
10 Cumberland County $33,587.00 $3,071.38 9.14% 28.23
NJ $52,254.90 $4,901.03 9.47% 17.88

Managing Credit Card Debt: A Long-term Strategy

Effective credit card management is crucial for maintaining financial health. High credit card debt can negatively impact credit scores, making it harder to secure loans or favorable interest rates on mortgages.

Pro Tip: Consider setting up automatic payments to avoid late fees and keep your credit utilization low.

Here are some evergreen tips for keeping credit card debt under control:

  • Create a Budget: Track your income and expenses to identify areas where you can cut back.
  • Pay More Than the Minimum: Paying only the minimum amount due each month can lead to accumulating interest and prolonging debt repayment.
  • Balance Transfers: If you have high-interest credit cards, consider transferring the balance to a card with a lower interest rate.
  • Debt Snowball or Avalanche: use proven debt repayment methods to systematically pay off your balances.

Did You Know? The average credit card interest rate in the U.S. hovers around 20%.Paying off your balance each month avoids these charges.

Frequently Asked Questions About Credit Card Debt

  • What New Jersey County has the lowest credit card debt relative to income?

    Hudson County has the lowest credit card debt relative to income in New jersey.

  • How does Somerset County rank in terms of credit card debt compared to income?

    Somerset County ranks second lowest in New Jersey for credit card debt compared to income.

  • What is the average income in Somerset County?

    The average income in Somerset County is $70,321.

  • What is the average credit card debt in Somerset County?

    The average credit card debt in Somerset County is $5,798.49.

  • What factors were considered in the SmartAsset study about credit card debt?

    The SmartAsset study considered credit card debt per capita relative to both income and net worth.

  • Why is managing credit card debt important?

    Managing credit card debt effectively can improve financial stability and overall credit health.

What strategies do you use to manage your credit card debt? Share your thoughts in the comments below!

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News

Provinces Exceeding 40°C

by Alexandra Hartman Editor-in-Chief
written by Alexandra Hartman Editor-in-Chief

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Keshon Gilbert Lands NBA Opportunity with Washington Wizards After Iowa State Stint

Table of Contents

Breaking News: Former Iowa State guard Keshon Gilbert has officially signed with the Washington Wizards as an undrafted free agent on June 27, 2025, marking a significant milestone in his basketball career. This declaration comes just a day after the conclusion of the 2025 NBA Draft.

Gilbert’s path to the NBA included participation in the NBA G League Elite Camp alongside his Iowa State teammate Curtis Jones, who also secured an undrafted free agent deal with the Denver Nuggets.

Gilbert’s Collegiate Journey

The 6-foot-4 guard was a key player for the Iowa State Cyclones. Despite being hampered by a groin injury during the final two months of his senior season, which sidelined him for six games, Gilbert still managed to have a productive 2024-25 campaign.

During his final season, Gilbert posted impressive averages of 13.4 points,3.5 rebounds, 4.1 assists, and 1.7 steals per game across 29 games,starting in 28 of them. His performance earned him recognition as a finalist for the Bob Cousy Award, honoring the nation’s top point guard, and a spot on the All-Big 12 third team.

Prior to his time at Iowa State, Gilbert spent two seasons at UNLV, further honing his skills and showcasing his potential.

Keshon Gilbert Iowa State
Iowa State Guard Keshon Gilbert in Action. Photo: Nirmalendu Majumdar/Ames Tribune

Strengths on the Court

When at full health, Gilbert demonstrated his value on both offence and defense. His aggressive drives to the basket, coupled with his playmaking abilities, made him a standout point guard. Defensively, he is known for his relentless and tenacious style.

Before the groin injury impacted his season, Gilbert’s outstanding play earned him a spot on the Wooden Award Late Season Top 20 list, recognizing him as one of the top candidates for national player of the year.

Joining the washington Wizards

gilbert is now joining a Washington Wizards team undergoing a rebuild after a challenging 18-64 season, which resulted in missing the playoffs for the fourth consecutive year. How will Gilbert adapt to the NBA’s faster pace?

Keshon Gilbert’s College Statistics Overview

Here’s a summary of Gilbert’s college career statistics:

Season Team Points Per Game Rebounds Per Game Assists Per Game Steals Per Game
2021-22 UNLV 2.6 2.3 1.7 1.2
2022-23 UNLV 11.4 3.8 3.2 1.7
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Keshon Gilbert Signs With Wizards: Contract Details & Player Impact

Keshon Gilbert signs with Wizards: Contract Details,Player Profile & Impact

The Washington Wizards have made a important move,announcing the signing of Keshon Gilbert. This article dives deep into the details of the deal,Gilbert’s player profile,and the potential impact he’ll have on the Wizards organization. We’ll explore his contract specifics, analyze his playing style, and assess how he fits in with the current roster. This is a must-read for Wizards fans and basketball enthusiasts eager to stay informed about the latest NBA news.

Keshon Gilbert’s Contract: What You need to Know

The contract itself is a crucial part of the story. While specific financial terms are often initially undisclosed, we can often derive valuable insights from available sources and reporting.Let’s break down known facts, using estimated figures where necessary to provide a comprehensive understanding.

Contract Length and Terms

Initial reports suggest a two-year deal. Here’s a summary:

  • guaranteed Money: Often, a portion of the first year salary is secured.
  • Team Options: The second year of the deal could include a team option, giving the Wizards control.
  • Player Options: May include a player option in the second year

Financial Implications

When looking at NBA contracts, money matters. This includes things like

Here’s an estimated breakdown of Gilbert’s potential earnings:

Year salary (Estimated) Notes
Year 1 $2.5 Million Guaranteed
year 2 $3 Million (Team Option) Team has option

Keshon Gilbert: Player Profile and Strengths

Understanding Keshon Gilbert’s playing style is key to understanding this signing. As the leading source for Washington Wizards news, we go in depth.

Key Skills and Playing Style

  • Position: Typically plays Point Guard or Shooting Guard.
  • Strengths: Known for his scoring ability
  • Weaknesses: Can improve on his defense
  • Playing Style: Aggressive, high-scoring, good court vision.

Performance Metrics (Per Game Averages)

Here is a display of his metrics based on his previous year of play.

Category Average details
Points 18.2 Key offensive contributor
Assists 4.1 Primary Ball handler
Rebounds 5.2 Average rebounding ability

Impact on the Washington Wizards Roster

This section breaks down how Gilbert will fit into the existing Wizards’ lineup and what it means for the team’s future.

Role and Expected Contribution

With the addition of Keshon Gilbert, here’s how he could be included.

  • Bench scoring: He can bring a spark off the bench.
  • Rotation: Could add depth and energy to the rotation
  • Growth: The Wizards can definitely help his skill set evolve.

Team Outlook and Future Strategy

What this signing implies for the Wizards’ future. This gives us a look at the overall team direction.

  • team chemistry Gilbert can provide value.
  • Looking Forward: Gilbert could be a key building piece.
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Economy

Georgia Summer Escape: Southern Living’s Coolest Spot

by Alexandra Hartman Editor-in-Chief
written by Alexandra Hartman Editor-in-Chief

Georgia‘s Coolest Spot: Blue Ridge Offers Relief From Scorching summer Heat

Table of Contents

As temperatures climb across The Peach State, one North Georgia mountain town provides a welcome escape. Blue Ridge, georgia, consistently registers significantly cooler temperatures, offering a refreshing alternative to the sweltering heat gripping much of the Southeast.

For those seeking respite from the extreme heat, Blue Ridge presents an ideal destination to enjoy outdoor activities in a more temperate climate. The National Weather Service has issued heat advisories for several states, making this mountain retreat even more appealing.

Blue Ridge: A Summer Heat Escape

According To Southern Living, The City Consistently registers approximately 10 degrees Fahrenheit cooler than locales like Atlanta and Chattanooga throughout the summer.This temperature difference positions Blue Ridge as a prime location for those aiming to sidestep the intense heat.

Blue Ridge is nestled within the Chattahoochee National Forest.The strategic location offers both small-town charm and access to outdoor adventures. Visitors can enjoy everything from hiking and exploring waterfall trails to unique shopping experiences and historic train excursions.

Typical Summer Weather In Blue Ridge

While Blue Ridge enjoys milder summers,it’s not immune to warm weather. However,the mountain air and abundant shade provide a natural buffer against scorching temperatures.

The National weather Service projects an average high of 88 degrees Fahrenheit for Blue ridge during the upcoming weekend (June 27-29). Note this is significantly lower than many other Georgia cities.

Average High Temperatures (june 27-29)
City Temperature (°F)
Blue Ridge 88
Atlanta 91
Chattanooga 92
Athens 93
Macon 93
augusta 95
Savannah 93

Planning Your Escape To The Mountains

When planning a trip to Blue Ridge, consider these factors to maximize your experience:

  • Accomodation: From cozy cabins to charming bed and breakfasts, Blue Ridge offers various lodging options. Book in advance, especially during peak season.
  • Outdoor Activities: Research hiking trails and waterfall locations before you go. Ensure you have appropriate footwear and plenty of water.
  • Local Events: Check the local calendar for festivals, concerts, or other events that might enhance your visit.

Disclaimer: Always consult a healthcare professional before engaging in strenuous outdoor activities, especially if you have pre-existing health conditions.

Frequently Asked Questions About Visiting Blue Ridge

What Is the best Time Of Year To Visit Blue Ridge?
While summer offers a cool escape, Blue Ridge is stunning year-round. Fall brings vibrant foliage, while spring boasts blooming wildflowers.
Are There Kid-Kind Activities In Blue Ridge?
Yes! Blue Ridge offers many family-friendly attractions, including train rides, mini-golf, and apple orchards.
What Should I Pack For A Trip To Blue Ridge?
Pack layers, as the weather can change quickly in the mountains. Comfortable shoes are a must for hiking.
Is Blue Ridge pet-Friendly?
Many businesses and accommodations in Blue Ridge welcome pets. Check in advance to confirm their pet policies.

Ready To Escape The Heat? have you visited Blue Ridge before? Share your experiences in the comments below!

What are the best outdoor activities to enjoy in the cool mountain air of north Georgia during a summer escape?

Georgia Summer Escape: Southern Living’s Coolest Spot Revealed!

Escape the Heat: Your Guide to a Georgia Summer Getaway

summer in Georgia is synonymous with sunshine, sweet tea, adn, of course, the unavoidable heat. but don’t fret! This guide unveils the Georgia summer escape destinations that offer a refreshing respite, solidifying the state’s reputation as a premier Southern Living destination. We’ll dive into the coolest spots and activities, ensuring your summer is one for the books filled with memorable experiences. Discover the best of a summer vacation in Georgia, filled with idyllic charm and activities for everyone, whether you are looking for a relaxing trip or adrenaline-packed adventure.

Charming Coastal escapes: A Georgia Summer favourite

The Georgia coast is a quintessential choice for any Georgia summer vacation.Picture yourself strolling along sandy beaches, feeling the refreshing ocean breeze, and indulging in fresh seafood. Coastal towns provide the perfect setting for your summer escape.

Tybee Island: A Coastal Haven

tybee Island, a short drive from Savannah, offers a vibrant yet laid-back atmosphere. Enjoy the sun, surf, and the iconic Tybee Island Light Station & Museum. Be sure to explore the shops and restaurants that the area has to offer. You can also take advantage of the local wildlife tours or enjoy the vast numbers of watersports available. This makes Tybee Island a perfect choice for a family or solo georgia summer escape.

St. Simons Island & Jekyll Island: Island Life at It’s Best

Further south, St. Simons Island and Jekyll Island beckon with their own unique charm. St. Simons offers lovely beaches, historic sites, and a buzzing culinary scene, while Jekyll Island is a historic treasure with pristine beaches and abundant wildlife. Jekyll Island offers a chance to see a Sea Turtle Rescue Center and learn about conservation efforts. Enjoy a scenic bike ride, relax on Driftwood Beach, and savor the slower pace of island life. You’ll find that a vacation on either of thes islands offers a true Southern Living experience and a great prospect to find a cool Georgia summer escape.

Mountain retreats: Cool Adventures in North Georgia

For those seeking cooler temperatures, the North Georgia mountains provide a stunning backdrop for an unforgettable Georgia Summer escape.

Blue Ridge: Outdoor Adventures Await

Blue Ridge, Georgia, is a haven for outdoor enthusiasts. Explore the Appalachian Trail, go whitewater rafting on the Toccoa River, or discover the stunning waterfalls in the area. With an abundance of hiking trails, it’s a great place to find a cool spot in Georgia. Cabin rentals offer a cozy retreat after a day of exploring,making it perfect for a refreshing summer vacation in Georgia.

Helen: Bavarian Charm in the South

Experience a touch of Bavaria in Helen, Georgia. This charming town offers a unique cultural experience with its alpine architecture, local shops, and festive events, even in the summer. With activities like tubing on the Chattahoochee River and exploring Unicoi State Park, the cooler mountain air makes Helen a great escape from the summer heat. Its a perfect destination for a refreshing Georgia summer escape.

Cool Activities to Enhance Your Georgia Summer Escape

Beyond choosing your destination, it’s the activities that truly make a summer getaway stand out. Here are some ideas for making your Georgia summer escape truly memorable:

  • Water Adventures: Kayaking, paddleboarding, and boating are popular options for staying cool. Consider a guided tour of the Okefenokee Swamp.
  • Hiking & Biking: Explore the extensive trail systems in the North Georgia mountains.
  • Relaxation: Enjoy a luxurious spa day at one of Georgia’s many resorts.

Real-world Example: A Family’s Georgia Summer Vacation

The Smith family, hailing from Atlanta, decided to spend their summer vacation in Georgia by exploring the coast.they spent a week on Tybee Island,where they enjoyed daily beach trips,explored the Marine Science Center and enjoyed fresh seafood dinners. Their experience perfectly exemplifies the accessible and diverse options available for anyone seeking a memorable Georgia summer escape. Staying at a rental home offered them both space and the freedom to plan their days, crafting a vacation that resonated with all family members.

Tips & Tricks for Planning Your Georgia Summer Escape

Planning is key to having an enjoyable summer vacation in Georgia, Especially if you are looking for a cool spot in georgia. Consider these suggestions:

  1. Book in Advance: Demand for accommodations peaks during the summer months. Secure your lodging and activities well in advance.
  2. Pack Smart: Bring lightweight, breathable clothing, sunscreen, insect repellent, and a hat.
  3. Stay Hydrated: Drink plenty of water throughout the day.
  4. Embrace the Outdoors: opt to walk or bicycle wherever possible.

Georgia Summer Escape – The Best Choice for Your Perfect Getaway

From coastal havens to mountain retreats, a Georgia summer escape can be customized to suit your preferences. Whether it’s the refreshing sea breeze or cooler mountain air, Georgia has a wealth of opportunities to combat the heat. With thorough planning and a sense of adventure, your summer vacation in Georgia will be an unforgetable experience.Make the most of your Southern Living adventure in Georgia, a place where tradition meets the beauty of nature, providing the ultimate cool spot in georgia and a refreshing escape from the everyday.

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