Miami is officially home to the most expensive neighborhood in the U.S.
That's right, Rodeo Drive has nothing on Gables Estates, according to a new ranking based on Zillow's monthly home value data. And that's with only 179 lots!
Hidden away in Coral Gables like a billionaire's daydream, Gables Estates is less a neighborhood and more a gated fantasy for people who don't just want but need a waterfront and private docks. Located just off Biscayne Bay, the community boasts 24/7 security (because of course) and the kind of lush landscaping that it takes an army of employees to maintain in Miami's climate.
Zillow's July 2025 home value index analyzed home values from the last 12 months, weighing sales transactions, tax assessments and public records, as well as square footage and location.
But if you have a couple of million lying around, don't get too excited just yet. There's more to living in Gables Estates than just wealth. It may be Florida, but this community maintains rigid standards when it comes to new neighbors. Anyone interested in becoming a denizen has to be approved for membership in the homeowners association, Gables Estates Club Inc. And before that, just to apply to maybe be considered requires a nonrefundable, $100,000 membership fee ($105,000 for non-American buyers), as well as a presentation to the association's governing board.
You're still not done: To complete the application process, you'll also need two sponsors already voting members in the homeowners association, letters of recommendation, an accounting of your social or business club memberships and at least two banking references. All to live in a neighborhood that boasts an average age of 60.
Gables Estates isn't the only expensive neighborhood in Florida, either. Of the 10 priciest places to live on Zillow's list, a full seven are in the Sunshine State. (Speaking of sunshine, California claimed the remaining three slots.) Blame the lack of income state tax and the gorgeous winters for the influx of the very wealthy to Miami; if we could manage even one of those application requirements, we'd consider Gables Estates, too!
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Rhyl Journal
2 hours ago
- Rhyl Journal
Bioethanol plant deems lack of Government support an ‘act of economic self-harm'
Vivergo Fuels, near Hull, warned earlier this year that it was in imminent danger of closure as crisis talks continued with the Government. This followed the end of the 19% tariff on American bioethanol imports as part of the recent UK-US trade deal. On Friday, the Government said: 'This Government will always take decisions in the national interest. 'That's why we negotiated a landmark deal with the US which protected hundreds of thousands of jobs in sectors like auto and aerospace. 'We have worked closely with the companies since June to understand the financial challenges they have faced over the past decade, and have taken the difficult decision not to offer direct funding as it would not provide value for the taxpayer or solve the long-term problems the industry faces. 'We recognise this is a difficult time for the workers and their families and we will work with trade unions, local partners and the companies to support them through this process. 'We also continue to work up proposals that ensure the resilience of our CO2 supply in the long-term in consultation with the sector.' Ben Hackett, managing director of Vivergo Fuels, said: 'The Government's failure to back Vivergo has forced us to cease operations and move to closure immediately. 'This is a flagrant act of economic self-harm that will have far-reaching consequences. 'This is a massive blow to Hull and the Humber. 'We have fought from day one to support our workers and we are truly sorry that this is not the outcome any of us wanted. 'This decision by ministers will have a huge impact on our region and the thousands of livelihoods in the supply chain that rely on Vivergo, from farmers to hauliers and engineers.' Mr Hackett said the industry has faced 'unfair regulations' for years that favoured overseas producers, and the recent US-UK trade deal pushed the sector 'to the point of collapse'. He said: 'We did everything we possibly could to avoid closure, but in the end it was the Government that decided the British bioethanol sector was something that could be traded away with little regard for the impact it would have on ordinary hard-working people. 'We did not go down without a fight and I hope that the noise we generated over the past three months will make the Government think twice before it decides to sign away whole industries as part of future trade negotiations.' A spokesman for Associated British Foods, which owns Vivergo, said: 'It is deeply regrettable that the Government has chosen not to support a key national asset. 'We have been left with no choice but to announce the closure of Vivergo and we have informed our people. 'We have been fighting for months to keep this plant open. 'We initiated and led talks with Government in good faith. We presented a clear plan to restore Vivergo to profitability within two years under policy levers already aligned with the Government's own green industrial strategy.' The spokesman said the Government had 'thrown away billions in potential growth in the Humber and a sovereign capability in clean fuels that had the chance to lead the world'. The bioethanol industry, which also includes the Ensus plant on Teesside, has argued the trade deal, coupled with regulatory constraints, has made it impossible to compete with heavily subsidised American products. Vivergo said the Hull plant, which employs about 160 people, can produce up to 420 million litres of bioethanol from wheat sourced from thousands of UK farms. It has described bioethanol production as 'a key national strategic asset' which helps reduce emissions from petrol and is expected to be a key component in sustainable aircraft fuel in the future. The firm recently signed a £1.25 billion memorandum of understanding with Meld Energy to anchor a 'world-class' sustainable aviation fuel facility at the site. But Meld Energy said earlier this month uncertainly over the bioethanol industry was putting this plan in jeopardy. The Vivergo plant is also the UK's largest single production site for animal feed, and the company says it indirectly supports about 4,000 jobs in the Humber and Lincolnshire region. Vivergo has said it buys more than a million tonnes of British wheat each year from more than 4,000 farms, and has purchased from 12,000 individual farms over the past decade. But it took its last wheat shipment earlier this month. The farmers' union described the imminent closure of the Vivergo plant as a 'huge blow'. NFU combinable crops board chairman Jamie Burrows said: 'Not only is it terrible news for those hundreds of workers who will lose their jobs but also for the thousands of people whose livelihoods depend on this supply chain – that includes local farmers who have lost a vital market for their product.' The Ensus plant in Teesside differs from the Vivergo operation because it also produces CO2 as part of the process. Ensus, which is owned by CropEnergies, part of the German firm Sudzucker, is the UK's only large scale manufacturer of CO2, which is used in a wide range of sectors, including in drinks and the nuclear industry. Grant Pearson, chairman of Ensus UK, said on Friday: 'I met with Sarah Jones, the minister for business, today, to receive the Government's response to our request for financial support and the policy changes required to ensure that the Ensus facilities can continue to operate. 'The minister confirmed that they value both our contribution to the UK economy, the jobs we provide and support in the north east of England and in particular our production of biogenic CO2 which is a product of critical national importance. 'They are therefore looking at options to secure an ongoing supply of CO2 from the Ensus facility. 'This is positive news, however it is likely to take time to agree upon and finalise and therefore urgent discussions will be taking place to provide a level of assurance to the Sudzucker and CropEnergies' boards that there is a very high level of confidence that an acceptable long-term arrangement can be reached.'
South Wales Argus
3 hours ago
- South Wales Argus
8 things students must do now as university fees hit £9,535
For the first time in seven years, tuition fees have increased - up £1,035 to £9,535 a year - and living costs are higher than ever. Students now spend an average of £900 a month on rent, food, travel, and essentials, with London students facing closer to £1,400. The difference between renting in the most and least expensive top-20 ranked non-London universities – Edinburgh and Sheffield – is almost £11,000 over a three-year degree, so it can be worth taking those costs into account when choosing through clearing. There's a full guide to the best student bank accounts here - with free railcards, TV subscriptions, takeaways and cold hard cash. Fiona Peake, Student Money Expert at Ocean Finance, warns: 'Tuition fees have gone up for the first time in seven years, rent is at record highs, and everyday costs like food and travel have risen sharply. Many students are finding their maintenance loan doesn't even cover rent, meaning they need extra income or parental support just to get by.' 8 ways students can make their money go further Set a weekly budget: 'Break down your loan into weekly amounts," says Fiona. "Ten minutes a week checking your bank balance can stop a mid-term cash crisis. Nights out can quickly drain your budget, so swap pricey bars for pre-drinks and student nights with cheaper entry fees.' Pick the right student bank account: 'Freebies like a railcard or cash bonus are tempting, but focus on a generous interest-free overdraft that lasts through your studies. Treat this as a safety net, not extra spending money.' Hunt down every student discount: 'Sign up for UNiDAYS, Student Beans, and other student discount platforms before term starts. Many retailers offer discounts on clothes, tech, groceries, and entertainment, so always check before buying. Train fares rose by nearly 5% recently, but a 16-25 Railcard costs £30 a year and gives 33% off - that's about £576 saved over a three-year degree.' Use free university resources: 'Many universities offer free printing, software, and laptop loans. There are also bursaries and scholarships worth applying for via sites like The Scholarship Hub.' Sell what you don't need: 'Turn unwanted clothes, tech, and books into extra cash through eBay, Vinted or Facebook Marketplace. This can help top up your budget and keep your space clutter-free.' Avoid paying for things you don't use: 'Check your outgoings for subscriptions you don't need or use. If you don't watch live TV or BBC iPlayer, you don't need a TV licence. You can even claim a refund for months you are not at university.' Shop around for bills: 'Moving into a shared house can be a bit of a shock when you have to shell out for internet, energy, and phone bills on top of rent and food costs. Previous tenants may have set up services with certain internet or energy providers, but switching to a better deal could save you money.' Claim your council tax exemption: 'If you live with other students, you don't need to pay council tax, and if you share with a non-student, council tax applies but can be reduced by 25%. Contact your local council to claim this discount.' Tamsin Powell, Consumer Finance Expert at Creditspring adds: 'With university fees rising to over £9,500, students heading off this autumn will be starting adult life already facing big financial pressures, and that's before rent, food and travel are factored in. It's never been more important for young people to feel confident managing money. 'This is a crucial moment to build good financial habits, but the sad fact is that most students aren't taught how. The earlier they get to grips with budgeting, borrowing and saving, the better equipped they'll be to avoid debt spirals and make the most of their finances, now and in the future.' Which is the cheapest university for living costs? Sheffield, Liverpool and Leeds are the cheapest top-20-ranked university cities for rent. All have average room rents well below the UK average of £748 per month. London students will spend, on average, £35,280, on rent over a three-year degree. But it's possible to spend less than £20K on rent in six top university cities. Edinburgh (£823) tops both Oxford (£813) and Cambridge (£795), as well as York (£751) and Bristol (£732) as the most expensive top 20 university cities for rent. According to a new survey by SpareRoom, London is, of course, the most expensive city to live in and students planning to attend one of the capital's top universities, including SOAS, Birkbeck, LSE, King's College and UCL, will also need to factor commute costs into their budgets. The average London room rent is now £980 per month, according to SpareRoom's rental index, with the cheapest rents to be found in the E postcode area (£944). The price difference between renting in the most and least expensive top-20 ranked university cities for rent outside of London – Edinburgh and Sheffield – is £3,636 per year or £10,908 over the course of a three-year degree. The maximum maintenance loan available to full-time students living away from home and studying outside London in 2025-26 is £10,5442. Renting in Edinburgh costs, on average, £9,876 per year, leaving just £668 per year or £56 per month towards other living expenses. The cheapest top-20-ranked universities for rent are: Sheffield (£520 per month) Liverpool (£532) Leeds (£581) Nottingham (£587) Newcastle (£604) The cheapest rents in the top-45 ranked university cities and towns can be found in Bangor and Hull, at £500 per month. Matt Hutchinson, director of flatshare site SpareRoom, says: 'A combination of high demand and short supply in the rental market means there's no such thing as cheap rents. Recommended reading: "But there are university towns and cities where living costs are considerably more affordable and, across a three-year degree, can offer a substantial discount on the total cost of attending university which students going through clearing should be aware of. 'Students should expect rents to increase during their course and budgeting is important as maintenance loans may cover rent and bills, but there might not be much left for other living expenses, such as food or going out with friends. "Those planning to live further away from campus to save money should also factor in travel costs, as these can be significant.'
North Wales Chronicle
3 hours ago
- North Wales Chronicle
Bioethanol plant deems lack of Government support an ‘act of economic self-harm'
Vivergo Fuels, near Hull, warned earlier this year that it was in imminent danger of closure as crisis talks continued with the Government. This followed the end of the 19% tariff on American bioethanol imports as part of the recent UK-US trade deal. On Friday, the Government said: 'This Government will always take decisions in the national interest. 'That's why we negotiated a landmark deal with the US which protected hundreds of thousands of jobs in sectors like auto and aerospace. 'We have worked closely with the companies since June to understand the financial challenges they have faced over the past decade, and have taken the difficult decision not to offer direct funding as it would not provide value for the taxpayer or solve the long-term problems the industry faces. 'We recognise this is a difficult time for the workers and their families and we will work with trade unions, local partners and the companies to support them through this process. 'We also continue to work up proposals that ensure the resilience of our CO2 supply in the long-term in consultation with the sector.' Ben Hackett, managing director of Vivergo Fuels, said: 'The Government's failure to back Vivergo has forced us to cease operations and move to closure immediately. 'This is a flagrant act of economic self-harm that will have far-reaching consequences. 'This is a massive blow to Hull and the Humber. 'We have fought from day one to support our workers and we are truly sorry that this is not the outcome any of us wanted. 'This decision by ministers will have a huge impact on our region and the thousands of livelihoods in the supply chain that rely on Vivergo, from farmers to hauliers and engineers.' Mr Hackett said the industry has faced 'unfair regulations' for years that favoured overseas producers, and the recent US-UK trade deal pushed the sector 'to the point of collapse'. He said: 'We did everything we possibly could to avoid closure, but in the end it was the Government that decided the British bioethanol sector was something that could be traded away with little regard for the impact it would have on ordinary hard-working people. 'We did not go down without a fight and I hope that the noise we generated over the past three months will make the Government think twice before it decides to sign away whole industries as part of future trade negotiations.' A spokesman for Associated British Foods, which owns Vivergo, said: 'It is deeply regrettable that the Government has chosen not to support a key national asset. 'We have been left with no choice but to announce the closure of Vivergo and we have informed our people. 'We have been fighting for months to keep this plant open. 'We initiated and led talks with Government in good faith. We presented a clear plan to restore Vivergo to profitability within two years under policy levers already aligned with the Government's own green industrial strategy.' The spokesman said the Government had 'thrown away billions in potential growth in the Humber and a sovereign capability in clean fuels that had the chance to lead the world'. The bioethanol industry, which also includes the Ensus plant on Teesside, has argued the trade deal, coupled with regulatory constraints, has made it impossible to compete with heavily subsidised American products. Vivergo said the Hull plant, which employs about 160 people, can produce up to 420 million litres of bioethanol from wheat sourced from thousands of UK farms. It has described bioethanol production as 'a key national strategic asset' which helps reduce emissions from petrol and is expected to be a key component in sustainable aircraft fuel in the future. The firm recently signed a £1.25 billion memorandum of understanding with Meld Energy to anchor a 'world-class' sustainable aviation fuel facility at the site. But Meld Energy said earlier this month uncertainly over the bioethanol industry was putting this plan in jeopardy. The Vivergo plant is also the UK's largest single production site for animal feed, and the company says it indirectly supports about 4,000 jobs in the Humber and Lincolnshire region. Vivergo has said it buys more than a million tonnes of British wheat each year from more than 4,000 farms, and has purchased from 12,000 individual farms over the past decade. But it took its last wheat shipment earlier this month. The farmers' union described the imminent closure of the Vivergo plant as a 'huge blow'. NFU combinable crops board chairman Jamie Burrows said: 'Not only is it terrible news for those hundreds of workers who will lose their jobs but also for the thousands of people whose livelihoods depend on this supply chain – that includes local farmers who have lost a vital market for their product.' The Ensus plant in Teesside differs from the Vivergo operation because it also produces CO2 as part of the process. Ensus, which is owned by CropEnergies, part of the German firm Sudzucker, is the UK's only large scale manufacturer of CO2, which is used in a wide range of sectors, including in drinks and the nuclear industry. Grant Pearson, chairman of Ensus UK, said on Friday: 'I met with Sarah Jones, the minister for business, today, to receive the Government's response to our request for financial support and the policy changes required to ensure that the Ensus facilities can continue to operate. 'The minister confirmed that they value both our contribution to the UK economy, the jobs we provide and support in the north east of England and in particular our production of biogenic CO2 which is a product of critical national importance. 'They are therefore looking at options to secure an ongoing supply of CO2 from the Ensus facility. 'This is positive news, however it is likely to take time to agree upon and finalise and therefore urgent discussions will be taking place to provide a level of assurance to the Sudzucker and CropEnergies' boards that there is a very high level of confidence that an acceptable long-term arrangement can be reached.'
