
If you want to buy a home, it's important to know how mortgage rates impact what you can afford and how much you'll pay each month. Fortunately, rates for 30-year fixed mortgages have come down significantly since the end of October and are currently under 7%, according to Freddie Mac (see graph below):

First settled in 1788, Cincinnati has grown into the largest metropolitan area in Ohio. Cincinnati's story is told through an assortment of remarkable buildings and landmarks that testify to the city's durability. Explore the Queen City by visiting these great attractions.
28 E. 5th St., Cincinnati, OH 45202
If you've ever watched the popular sitcom WKRP in Cincinnati, you've seen this iconic fountain during the opening credits. While its official name is "The Genius of Water," most people know it as the Tyler Davidson Fountain after the Cincinnati businessman to whom it was dedicated. Large figures around "The Lady" represent various practical uses of water. The four child figures, representing the pleasures of water, are actually freshwater drinking fountains.
2950 Gilbert Ave., Cincinnati, OH 45206
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You don't have to be a book lover to enjoy a visit to the Harriet Beecher Stowe House. While it was the childhood home of the Uncle Tom's Cabin author, the house offers a fascinating glimpse into the history of Cincinnati. In the 1930s, the home became the Edgemont Inn, listed in the legendary "Green Book" as a safe haven for African-Americans. During spring, summer, and fall, the HBSH also serves as the starting point for various walking tours. Starting February 1, hours are 10 a.m. - 4 p.m. Thursday through Saturday and noon - 4 p.m. Sunday. Admission is $6 for adults and $3 for ages 6-17.
315 W. Court St., Cincinnati, OH 45202
Firefighters and other first responders are everyday heroes. Learn more about this noble profession at the Cincinnati Fire Museum, listed on the National Historic Registry. Did you know that Cincinnati established the country's first paid fire department in 1853? Museum artifacts include some of the oldest firefighting equipment in existence, such as leather buckets, alarm drums, and an actual steam fire engine. Fire safety education is conducted in the Safe House, an interactive exhibit where visitors take part in a simulated "fire event." Museum hours are 10 a.m. - 4 p.m. Tuesday through Saturday. Admission is $8 for adults and $6 for ages 7-17.
416 Clark St., Cincinnati, OH 45203
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p>At the turn of the 19th century, William Betts accepted 111 acres of land as payment for a loan. It's doubtful he knew that the Betts House, which he built on that property for his family of nine, would still be standing as his legacy into the 21st century. Incredibly, the house has survived industrial growth, urban decay, and even an earthquake to remain as the oldest brick house in Ohio on its original site. Exhibits and programs are often attended by historians and architects to study building materials and traditions of the past. The Betts House is open Wednesday, Friday, and Saturday from noon - 5 p.m.
12075 Shore Dr., Loveland, OH 45140
Travel back to the medieval times of Middle Age Europe without leaving Ohio. Loveland Castle is a faithful, full-scale replica of keeps built by the Roman Empire a thousand years ago. The castle was originally constructed in the late 1920s by Harry Andrews as a getaway for his group of Boy Scouts and Sunday school members. Keep an eye out for ghosts that are reputed to live in the castle and pack a picnic lunch to enjoy afterwards on the scenic grounds. Hours are 11 a.m. - 5 p.m. daily except November 1 through March 31, when the castle is open on Friday, Saturday, and Sunday only. Admission is $5 for ages 5 and up.
650 Walnut St., Cincinnati, OH 45202
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From the stunning Victorian-Gothic exterior to the various artistic companies that call the building home, the Cincinnati Music Hall is one of the city's more impressive attractions. Performances are held in Springer Auditorium, the central portion of the building, which features a mural called "Allegory of the Arts" on its domed ceiling. Springer Auditorium has hosted a diverse list of world-famous musical artists, including Frank Sinatra, Prince, and Bob Dylan. Indoor tours are conducted year-round, while outdoor tours are offered during summer months. Visit the website for tour information and calendar of events.
4949 Tealtown Rd., Milford, OH 45150
In 1965, Stanley M. Rowe, Sr.'s long-held dream of an educational outdoor preserve came true. Thanks to the efforts and donations of several prominent Cincinnati residents, the Cincinnati Nature Center opened to the public. Rowe Woods, the center's core property, was once the 175-acre estate of Carl and Mary Krippendorf. Neil McElroy, one-time chairman of Proctor & Gamble, donated Long Branch Farm for use as a green space. Most recently, in 1995, siblings Jim and Dorothy Gorman gifted their family's Gorman Heritage Farm, which provides a valuable look at an actual working farm. Admission is $10 for adults and $6 for ages 4-12. Pets are welcome for a $3 fee. Visit the website for seasonal hours.
230 E. 13th St., Cincinnati, OH 45202
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Dating back to the 19th century, the Over-the-Rhine National Historic District is one of the country's largest and most intact urban historic districts. Unlike most historic districts that feature exquisite mansions and elaborate architecture, the OTR, as it's affectionately known, is notable for its origins as a working-class neighborhood of German immigrants. In the 21st century, the OTR is a vibrant mix of past and present. You can easily spend a day or more visiting attractions such as Findlay Market, the Brewery District, and an eclectic mix of boutiques, restaurants, and entertainment.
Whether you're a lifelong resident or new to the area, what's the first thing that comes to mind when you hear the word, "Cincinnati?"

If you've never had a bowl of iconic Cincinnati-style chili, you don't know what you're missing. This city has been known as the chili capital of the world since the early 1900s when Macedonian immigrants Tom and John Kiradjieff founded the city's first of many chili restaurants. Today, there are dozens of great local dining establishments where you can order a bowl of Cincinnati chili any way you like it.
If you're new to Cincinnati chili, you'll find it's unlike any other chili you've had. It's often sweet and able to be customized just to your liking. When it comes to Cincinnati-style chili, you typically order it multiple ways: 1-way is chili only, 2-way adds spaghetti, 3-way adds cheese, 4-way adds onions or beans, or 5-way adds onions and beans.
If you're in the mood for a warm bowl of chili this fall, here are eight places where you can order it Cincinnati-style:
4920 Glenway Ave., Cincinnati, OH 45238
One of the most popular restaurants in Cincinnati, Price Hill Chili is a family-owned and operated establishment on the west side. This comfortable, neighborhood-style restaurant serves some of the best 5-way chili in the city. Order it in a bowl (any number of ways), a Coney dog, or a chili cheese sandwich. Plus, add a side or a salad to go with it. The restaurant is also attached to Golden Fleece Lounge, a nice cocktail bar where you can have a drink and watch the game.
3005 Colerain Ave., Cincinnati, OH 45225
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A '40s-style diner serving some of the best Cincinnati-style chili around, Camp Washington Chili is worth checking out for both the food and decor. The recipe behind this chili has been kept secret for over 60 years and is a large reason behind this restaurant's success and longevity. The restaurant has become a local landmark with both the interior and exterior resembling a 1940s-style diner. The 5-way chili has been featured on numerous food television series. Plus, the diner is open 24 hours a day except Sunday, so you can enjoy a bowl of chili almost any time you'd like.
580 Walnut St. S700, Cincinnati, OH 45202
If you're downtown and interested in grabbing a quick bowl of chili for lunch, swing by The Silver Ladle. This fast, casual restaurant allows you to create your own chili. Choose from a number of bases, including spaghetti, French fries, tortilla chips, or mixed greens. Then, pick your chili (beer, chicken, Cuban black bean). Finally, top it off with cheese, onions, jalapenos, sour cream, and more. They also serve other soups, sandwiches, and salads. Enjoy your lunch indoors or out on the patio when weather permits.
290 Ludlow Ave., Cincinnati, OH 45220
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You can't list Cincinnati chili destinations without mentioning Skyline Chili. What began as a single chili restaurant on Price Hill overlooking downtown is now one of the most popular places for locals and tourists to order a bowl of authentic Cincinnati 5-way chili. The chili is very sweet, so you may want to spice it up with some jalapenos or hot sauce. The original restaurant is no longer open, but the city has many old-school locations, including this one on Ludlow Avenue.
2601 W. 8th St., Cincinnati, OH 45204
What better way to experience Cincinnati than by digging into a bowl of hearty chili while taking in panoramic views of the downtown skyline? You can enjoy this exact experience at Incline Public House, a great local restaurant located at the top of Price Hill, on the site of the former incline. This restaurant's chili is phenomenal, and they serve many classic American entrees and pizzas as well. There is also an extensive craft beer and bourbon menu. It's a great place for a date!
310 Mt Zion Rd. Ste. 4, Florence, KY 41042
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Another great chili chain that was started in Cincinnati, Gold Star Chili was founded in the Mt. Washington neighborhood in 1965. Today there are many locations around the area, including this one in Florence, KY. This chili comes with a mountain of cheddar cheese, plus onions, beans, and spaghetti if you choose. Or, add chili to one of their delicious burgers for an unbelievably tasty dinner. Dine in or grab your chili to go through the drive-thru.
6032 Montgomery Rd., Cincinnati, OH 45213
5-way chili, chili cheese fries, Coney dogs, and more, Pleasant Ridge Chili Restaurant has all your chili favorites. This old-timey diner has a variety of comfort food as well as some of the best chili in town. They also serve some delicious breakfasts! Dine in or order your chili to go and serve it during your upcoming holiday dinners. This restaurant is open until 11 p.m. Monday through Saturday, so it's a great place to stop for a late evening snack. Affordable prices, no-frills service, and great food, it's a true Cincinnati staple.
9525 Kenwood Rd. Suite 5, Blue Ash, OH 45242
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Among the many varieties of chili on the menu at Blue Ash Chili is a "6-way" Cincinnati-style chili with chili, spaghetti, beans, onions, cheese, and fried jalapeno caps. This unique local restaurant also features the No Freakin' Way Challenge. If you can eat 2.5 lbs. of spaghetti topped with 2.5 lbs. of chili, 2 lbs. of shredded cheese, and 1 lb. of jalapeno caps in 60 minutes, then your meal is free. If not, you'll be featured on the Wall of Shame!
Where will you warm up with a delicious bowl of chili around Cincinnati?

While it seems that national big-box retailers dominate the landscape, more than 99 percent of our country's businesses are small. As we head into the holiday season, show your support for these shops and restaurants that are the backbone of our economy.
Celebrate Small Business Saturday on November 26 by shopping at these wonderful locations around Cincinnati and Northern Kentucky.
2692 Madison Rd., Cincinnati, OH 45208
Do you love the thrill of holding a new book in your hand, ready to open to the first page? Whether you're looking for bestsellers, classics, or non-fiction, you'll find it at Joseph-Beth Booksellers. Membership in their Gives Back Rewards Program sends a portion of your purchases to a community partner of your choice. It also earns you great perks, such as in-store discounts and coupons for the Brontë Bistro. Hours are 8 a.m. - 9 p.m. Monday through Saturday and 9 a.m. - 8 p.m. Sunday.
7560 Burlington Pike, Florence, KY 41042
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Bicycles and caffeine may not seem like a natural pairing, but a visit to Velocity Bike & Bean could change your perspective. When owner Mark Ball, a gifted bicycle mechanic, opened his bike shop in 2011, he and his wife Lisa decided to combine the venture with their passion for craft coffee. The selection of pastries and breakfast sandwiches always includes some vegan and gluten-free options. Velocity Bike & Bean is open Tuesday through Friday from 8 a.m. - 5 p.m. and Saturday from 9 a.m. - 2 p.m.
3944 Spring Grove Ave., Cincinnati, OH 45233
"Here's looking at you, kid," when you're done up in the finest fashion from Casablanca Vintage. Opened in 1985, the shops specialized in pre-1970s menswear, especially for film and theater use. Casablanca Vintage has since expanded to include clothing for all genders, with most pieces coming from the 1920s to the 1990s. While they still work with the film and theater industry, the shop welcomes anyone interested in classic clothing. Hours are noon - 6 p.m. daily except Sunday when doors close at 5 p.m.
10021 Lower River Rd., Rabbit Hash, KY 41005
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When it comes to small businesses, Rabbit Hash General Store has attained legendary status. This delightful throwback to classic American general stores has been in operation since 1831. Named for a local culinary specialty, Rabbit Hash General Store draws residents and tourists alike with its eclectic mix of antiques, gifts, housewares, and countless other products. Commemorate your visit with a logoed t-shirt, hat, mug, or flask, and share the Rabbit Hash spirit with unique gift baskets that can be shipped around the country. Hours are 10 a.m. - 6 p.m., seven days a week.
135 W. Elder St., Cincinnati, OH 45202
Just bought a new home or getting ready to sell? Dress it up in style with accessories from Deerhaus Decor. Owners Sonja and Ben curate the products in their store with an eye toward sustainability and small-batch manufacturing. Eco-friendly products on their shelves include soy candles, biodegradable sponges, and reusable food wraps. Some items are actually made by Sonja herself, who has her own studio that features natural plant-dye services and vintage repairs. Deerhaus Decor is open 10 a.m. - 5 p.m. Wednesday through Friday, 10 a.m. - 6 p.m. Saturday, and 10 a.m. - 4 p.m. Sunday.
122 W. Loveland Ave., Loveland, OH 45140
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Music lovers are rediscovering the pure sound of vinyl. Start your collection or add to an existing one at Plaid Room Records. The family-owned shop, opened in 2015, is an offshoot of their Colemine Records label and analog studio. More than 20,000 LPs are stocked in-house, and you can search their inventory of used 45s for gems from Bill Haley & the Comets, Sam Cooke, and Talking Heads. Pre-order the hottest upcoming releases to reserve your copy. Hours are noon - 7 p.m. weekdays, 11 a.m. - 8 p.m. Saturday, and noon - 5 p.m. Sunday.
8141 Mall Rd., Florence, KY 41042
Fans of small- and big-screen epics such as Game of Thrones and The Lord of the Rings aren't content simply to watch. Cosplay lets viewers immerse themselves in these make-believe worlds, and The Dragon's Hoard covers all genres, from sci-fi and fantasy to steampunk and anime. Be sure to check out their namesake dragon collection, including banners, jewelry, and figurines. Hours are noon - 8 p.m. Monday through Saturday.
2807 Woodburn Ave., Cincinnati, OH 45206
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No matter how busy the holidays get, it's important to take time for yourself. &Sundries is full of luxurious products that are perfect for pampering. Treat yourself to some pumpkin and spice whipped soap, raspberry vanilla bubble bath, or peppermint body lotion. After your bath, cozy up with a soft robe, throw blanket, and neck wrap. Of course, all the amazing handcrafted items make terrific gifts as well. &Sundries is open Tuesday through Friday from noon - 7 p.m., Saturday from 10 a.m. - 5 p.m., and Sunday from noon - 5 p.m.
Take a break from shopping for some family-friendly entertainment at one of the more unique venues around. Located in the Ludlow Theatre, which is listed on the National Register of Historic Places. Bircus Brewing Company presents Circus Mojo matinees each weekend at 2 p.m. Afterward, try your hand at spinning plates or swinging on the trapeze. The theater/brewery also hosts a great lineup of concerts and serves up artisan wood-fired pizzas, such as the signature Goetta Grip. Bircus Brewing Company is open 4 - 10 p.m. Wednesday and Thursday, 4 p.m. - midnight Friday, noon - midnight Saturday, and noon - 8 p.m. Sunday.
Have you nurtured a dream to start your own business? If so, what would it be?

Even if you're a competent baker, cupcakes are usually better to buy than make yourself. Great cupcakes aren't just about flavor but presentation: a decadent cake with a beautiful swirl of icing on top and a few little flairs to make it stand out. It's not an easy skill to master, and if you want a great cupcake, sometimes you need to look for the right spot—especially if you've just moved to a new area. So where do you go in the Cincinnati and Northern Kentucky areas to find gourmet cupcakes? Here's a roundup of our favorite places.
1006 East McMillan Street, Cincinnati, OH 45206
The only drawback to Jazzy Sweeties is that it doesn't do walk-ins. This locally owned, independent bakery does custom orders, which must be placed in advance. They're well worth the extra wait, though. Jazzy Sweets has a variety of treats that taste as good as they look—especially their cupcakes. The bakery's website includes a gallery of some of the cupcakes they can make, from simple birthday cupcakes to elegant strawberry cupcakes (with a decadent strawberry glaze) to cupcakes shaped like Cookie Monster and more. They also have a variety of other treats available, from cookies to wedding cakes—all beautifully decorated and absolutely delicious. Whatever the occasion and whatever kind of cupcakes you're looking for, Jazzy Sweeties can make you something that will satisfy.
4773 Glendale Milford Road, Cincinnati, OH 45242
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Abby's has three locations: Blue Ash, Eastgate, and Downtown Cincinnati. Each location has a variety of cupcakes available, but the specialty is cheesecake cupcakes: Decadent, gourmet cheesecake with a vanilla wafer crust, baked into cupcake form and topped with cherry, cookies and cream, key lime, and other toppings. Or, if you'd rather have a traditional cupcake, try their coconut, red velvet, and strawberry blast flavors. And ask about their flavor of the week! They also provide cupcakes by special order for weddings and other events.
7458 Montgomery Road, Cincinnati, OH 45236
Whether you want cupcakes for delivery, pickup, or just walking in and browsing, 3 Sweet Girls Cakery has what you need. They have over a hundred different cupcake flavors available throughout the year, from standard flavors like chocolate, Oreo, and birthday cake to more specialized varieties like strawberry lemonade, peanut butter mudslide, red velvet cheesecake, and white chocolate raspberry. Many of their flavors are intricately decorated and beautifully colored and can also be made vegan and/or gluten-free upon request.
8470 US-42 Suite G, Florence, KY 41042
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All Memorie Makers desserts are made fresh daily, with locally sourced ingredients. They make custom cakes and other special order treats for weddings and other events, but if you want a cupcake, all you have to do is come into the store. Try their red velvet, pink champagne, and Death by Chocolate cupcakes, plus a variety of other rotating flavors. They also offer regular cake and cookie decorating classes, plus "Cupcake and Canvas," where participants can learn to paint and eat a cupcake in the process!
4035 Hamilton Avenue, Cincinnati, OH 45223
This independent, woman-owned bakery serves all vegan treats, in sustainable packaging, with gluten-free options available as well. They also take pride in offering a variety of new and creative flavors you can't find anywhere else. Try their coconut yellow curry cupcakes with almond icing, called the Yellow Dragon. They also offer orange lemon, ginger chai, and various seasonal flavors. The bakery includes a cafe, where many offerings are readily available, along with sandwiches, salads, chicken nuggets, and more. However, for most of their bakery offerings, they recommend ordering at least a week in advance to ensure you get what you need.
2030 Madison Road, Cincinnati, OH 45208
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The goal of BonBonerie is to make everything beautiful and delicious. As such, they use only the best ingredients—some fresh and locally grown; others imported from Belgium, Madagascar, and other places around the world. Their cupcakes are made with a variety of fun designs, many of them shaped like animal faces, such as tigers, owls, and monkeys. They also make cupcakes for all occasions, from birthdays to weddings, or a bouquet of flower-shaped cupcakes to give to that special someone. Their flavors are amazing, too, such as opera cream and carrot cake, along with an ever-rotating roster that changes from month to month. Stop by their cafe and tearoom to see what they're offering right now.
3674 Muddy Creek Road, Cincinnati, OH 45238
This small bakery offers a variety of sweet treats, but the cupcakes are what everyone raves about. They offer a variety of gourmet flavors you can't get other places, such as English Toffee and Boston Cream. They also do macarons, wedding cakes, and more. Everything is lovingly made, beautifully decorated, and absolutely delicious.
6820 Wooster Pike, Cincinnati, OH 45227
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Located at The Strand mall in Mariemount, Sweeterie prides itself on using high-quality ingredients to make beautiful and delicious cupcakes. Try the double fudge, white chocolate, cookie dough, and brown sugar Irish coffee cupcakes, along with various decadent flavors. Everything is available in regular, mini, or jumbo sizes—and during the holidays, each cupcake gets decorated with a little something extra. Open Wednesday through Saturday, Sweeterie's cupcakes are an experience not to be missed.
Where will you go for gourmet cupcakes in the Cincinnati and Northern Kentucky area?