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Looking for the best ways to sell a car? There are so many methods to selling your car such as selling privately, going through an online platform, or selling to a local car dealership. Each method of selling a car has its benefits and drawbacks. Selling a car can feel overwhelming, especially with all the…

Looking for the best ways to sell a car?

There are so many methods to selling your car such as selling privately, going through an online platform, or selling to a local car dealership. Each method of selling a car has its benefits and drawbacks.

Selling a car can feel overwhelming, especially with all the different ways to do it.

When I had to sell my own car, I wasn’t sure whether to go the easy route by trading it in or put in more effort for a higher price with a private sale. There are pros and cons to each option, and it really comes down to what matters most to you—speed or getting the best price.

In this guide, I’ll go over some of the best methods to help you figure out the right approach for selling your car. Whether you want something quick or you’re aiming for top dollar, there’s a method for selling your stuff here for you!

Best Ways To Sell A Car

Below is a list of the best ways to sell a car.

Recommended reading: How To Get A Free Car – 11 Places For Those In Need

1. Share your car for sale on Facebook

One of the best places to sell your car is via Facebook Marketplace. Facebook Marketplace has a huge audience and is incredibly user-friendly, making it easy to sell just about anything on the platform.

When listing your car on Facebook Marketplace, it’s important to include details like:

  • Make, model, and year
  • Mileage
  • Condition
  • Vehicle history (clean title, any accidents)
  • Price
  • Photos
  • Any special features (heated seats, sunroof, backup camera)
  • Maintenance records (mention if you have consistent records of maintenance) 
  • Reason for selling

Facebook Marketplace has zero listing fees and allows you to reach potential buyers in your area immediately.

However, there are drawbacks to Facebook Marketplace, including potential scams, lowball offers, and the time to communicate back and forth with potential buyers who may not be serious inquirers. 

2. Trade in your car to a dealership

Trading in your car to a car dealer is one of the easiest ways to get rid of an old vehicle, but you must be willing to buy another car.

This process is easy (I’ve done it myself) and begins with the dealership appraising your car. This includes assessing the condition of your car and giving you a trade-in value of your vehicle based on market demand, mileage, and vehicle history.

If you decide to accept the offer, the trade-in value is applied to the new car you’re buying. However, there’s a major drawback in trading in a vehicle because car dealerships tend to pay way less than what you would get from a private sale.

3. Sell your car to a dealership

If you’re not in the market to buy a new car, you can instead sell your car to a dealership.

These days, dealerships are actively looking for popular cars and will often make you an offer. My sister once got an instant cash offer from a dealership while her car was just parked at a store! She’s also received offers through email from dealerships, and this was for an ordinary car!

This way of selling a car is easy and fast because car dealerships are buying used cars from people all the time. To get started, the car dealership will perform an appraisal. The dealership handles everything including paperwork, title transfer, and payment.

The benefit of selling your car to a dealership is that you don’t have to deal with private buyers and your car will likely sell quickly. However, similar with trading in a car to a dealership, you won’t get nearly as much money as you could with a private sale.

4. Sell to Cars.com

Cars.com is a site specifically for buying and selling vehicles. This platform is beneficial to use because you’re posting your car on a site where people are actively searching for vehicles to purchase.

To get started, you’ll want to include important information in your car listing, such as the make, model, year, mileage, condition, and any other special things the buyer should know. You’ll want to add high-quality, well-lit photos, and make sure to note any dents or scratches the potential buyer should know about.

Cars.com even has a pricing tool to help you figure out a price to list your car. You’ll be in charge of communicating with potential buyers, answering questions, and the final sale process. However, this effort can be well worth it as you’ll get a much better price versus if you were to sell it to a car dealership.

5. Sell to Carvana

Carvana is well known for delivering cars straight to your house, but did you know you can also sell your car on the platform? Carvana makes it super easy and convenient to sell your vehicle on their website.

To sell your car to Carvana, you’ll go to the sell/trade link at the top of Carvana’s website. This is where you’ll start the process of answering questions about your vehicle. You’ll receive an instant offer for your vehicle based on the information you give Carvana. If you accept the offer, Carvana will schedule a pickup time to get your car. They’ll do a quick on-site review of your car to make sure you answered the questions truthfully and then pay you on the spot.

While Carvana’s offer may be lower than what you’d get from a private sale, this can be a good option if you want to get rid of your vehicle quickly.

6. Sell on eBay

A popular way people sell cars is by creating an ad on eBay.

This site has an eBay Motors section that lets you create a listing for your car. You can choose auction-style, where people bid on your car, or a fixed-price option if you have a specific price you want to sell your car at.

I have a family member who has sold several cars on eBay, so I know this is possible!

7. Sell to CarMax

CarMax is a quick and easy way to sell a car because of its easy process.

You can take your car to a CarMax location, where they will do a no-obligation appraisal. The CarMax team will inspect your vehicle and give you a written offer to you within seven days of performing the appraisal. 

If you decide to accept the offer, CarMax handles all of the paperwork and pays you on the spot. Again, you probably won’t make as much as you would if you went with a private sale, but CarMax has the benefits of speed, ease, and certainty of the transaction going through. Plus, you won’t have to worry about dealing with online scammers.

8. List your car on Craigslist

Craigslist has been a popular method of selling cars for a long time. The site is free and easy to use, and it takes less than ten minutes to create a listing with your asking price.

When creating your car listing, include important details like make, model, year, mileage, condition, and any unique features (like any additions or changes you may have made). You’ll want to include high-quality photos taken from different angles, including the interior and exterior. Then, set the price for your vehicle and include if this price is firm or negotiable.

Most importantly, always follow your gut when communicating with people on Craigslist. The platform is great for selling stuff but can bring scammy people who are trying to steal personal information or take your money. Selling your car private party to a car buyer can be worth it, you just want to be safe!

9. List your car on Autotrader

Autotrader is a site where you can buy new and used cars, list your car to sell, and get an instant offer from nearby car dealerships.

It costs $49 to publish a car listing on Autotrader and KBB.com (Kelley Blue Book). Though there’s a cost to list your vehicle, there are benefits to this including getting a free vehicle history report (which can increase the odds of selling your vehicle).

Once you find a buyer on Autotrader, the buyer pays online and Autotrader transfers the funds to you securely for as low as 0.99% of the selling price.

Frequently Asked Questions

Here are the most frequently asked questions about the best ways to sell a car.

What is the best place to sell my car online?

The best place to sell your car online depends on how fast you want to sell your car or if you’re prioritizing making the highest profit.

If you’re in a rush to sell your vehicle and want to get it off your hands ASAP, you may want to try selling the car to a car dealership, CarMax, or Carvana. However, if you have the time and you’re not in a rush to get the car off your hands, you may want to spend the extra time and effort to sell your car privately so that you can make more money.

What is the fastest way to sell a car privately?

If your goal is to sell your car as fast as possible privately, follow these tips:

  • Set a competitive price and research to see what similar cars are listed for
  • Thoroughly clean the car and maybe even get it professionally detailed
  • Have all paperwork necessary, including title, maintenance records, bill of sale
  • Create a detailed listing, highlighting any special features or recent maintenance
  • List your car on multiple platforms like Craigslist, Facebook Marketplace, and Autotrader
  • Have good communication with potential buyers and respond to their questions

Following all of these tips will help you sell your car quickly.

Who pays the most to sell my car?

If you’re trying to get the most profit out of selling your car, stay away from car dealerships and instead sell your car privately. This is because car dealerships need to make money from selling your vehicle, so they’re going to give you much less than what you could potentially get if you sold it privately.

To sell your car privately, you may want to try listing your vehicle on platforms like Facebook Marketplace, Autotrader, and Craigslist. These platforms will help you reach a wide audience and get you talking to interested buyers. 

What is the best platform to sell a car? 

The best platform to sell a car depends on your specific needs. Platforms like Carvana and Autotrader make it easy and convenient to get rid of your car quickly, whereas listing your car on Craigslist and Facebook Marketplace can take a lot longer. 

What is the best form of payment when selling a car?

The best form of payment when selling a car is the safest form of payment. The best form of payment when selling a car privately is usually cash. Sometimes people will take money orders or cashier’s checks, but there is a chance that they are fake.

Personal checks can bounce, whereas cashier’s checks are issued by the bank and guarantee that the money is available. You can also accompany the buyer to the bank to witness the check being issued for additional safety (this is what most people recommend if you do decide to take a check). 

Should you accept cash when selling a car?

Accepting cash for your car can be convenient but it has many risks such as counterfeit bills, lack of paper trail which can be problematic for tax or legal reasons, and in case of dispute doing a cash transaction can be more challenging to prove.

If you decide to accept cash, make sure to meet in a safe space like a police station parking lot or at a bank. If the amount of cash is large, bring along a friend or family member as added safety. Bring a counterfeit detection pen or ask the buyer to get a cashier’s check to decrease the risk of a fraudulent transaction. 

Is it safe to take a cashier’s check when selling a car?

It’s generally safe to take a cashier’s check when selling a car because these checks are issued by banks. These kinds of checks are guaranteed that the funds are available. However, I do recommend that you be aware that there are counterfeit cashier’s checks. You can verify the check by contacting the bank directly.

What paperwork do I need to sell my car privately?

When selling your car on your own, you will usually need the car’s title and a bill of sale (with the VIN listed on it). You might also need things like maintenance records and a release of liability. You may want to ask your local department of motor vehicles or your state DMV to see what else they recommend. I also recommend taking your license plates off your car when it is sold.

Best Ways To Sell A Car – Summary

I hope you enjoyed my article on the best ways to sell a car.

There are many ways to sell a car, and the method you choose to take depends on how fast you want to sell your car.

Some people don’t want to spend any time or effort selling a car and would rather get rid of it ASAP, while others want to take the extra effort to make the most profit possible.

Each method of selling a car has its benefits and drawbacks, so you’ll want to think about that when selling your vehicle. Luckily, there are many car-selling platforms, so you can choose your best option.

Have you sold a car before? What do you think is the best place to sell a car?

Recommended reading:

Source: makingsenseofcents.com

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Some Chase Sapphire Reserve cardholders have received an e-mail from Chase informing them that the timing of their travel credit will be changing. For example:

  • Like in years past your $300 annual travel credit will reset in
    December and you will start to receive statement credits for
    travel purchases.
  • On December 30, 2024, any unused portion of your $300 credit
    will be applied to your account as a statement credit.
  • Starting in 2025, your $300 travel credit will then reset annually on <card anniversary date> and you will start receiving statement credits up to $300 for your travel purchases.
  • All other rewards program terms continue to apply.

If you’ve applied since May 21, 2017 this will not affect you at all as you already receive the credit based on your cardmember year rather than calendar year. People who applied before that date had a grandfathered credit and will be in line with all other cardholders.

This change is only for grandfathered CSR members who get the travel credit based on the calendar year. Those who signed up since May 21, 2017, get the credit based on the cardmember year. For them, there are no changes at all.

Source: doctorofcredit.com

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The trade-in value of a truck is the amount a dealer is willing to give you to put toward the purchase of a new vehicle. Cars depreciate in value the moment you drive them off the lot, so over time, trade-in values tend to decrease as well. They are also impacted by a variety of factors, such as make and model, age, condition, and mileage.

Here’s a look at what your truck might be worth over the first five years of ownership, and the factors that impact that value.

Average Trade-In Value of a Truck After 5 Years of Ownership

The trade-in value of a truck is based on its market value, which is the amount a person is willing to pay based on the truck’s make, model, age, condition, etc. However, when saving up for a new car, it’s important to realize that what a dealer might offer for a trade-in is likely less than the market value. That’s because when the dealer eventually sells your vehicle, they will need to turn a profit. And their profit will be the difference between market value and trade-in value.

Cars, trucks, and other vehicles depreciate, meaning their market value decreases each year. Luckily for truck owners, trucks tend to depreciate more slowly than cars and SUVs.

For example, the average five-year depreciation of Toyota Tacoma, a midsize pick-up truck, is 20.4%, according to a 2024 study by iSeeCars. Average five-year depreciation for Ford F-150, a full-size pick-up truck, is 36.0%. Compare that to an average five-year depreciation rate of 38.8% for cars, 42.9% for midsize SUVs, and 49.1% for electric vehicles.

Depreciation is also an important factor to understand when leasing a vehicle, as your lease payment will cover the cost of depreciation to the lessor.

Supply chain issues, component shortgages, and increased demand for vehicles has driven up the price of new and used cars and trucks in recent years. This has had an impact on how fast vehicles depreciate. In 2024, the average five-year depreciation was 38.8%, compared to 49.1% in 2020.

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Factors That Impact Truck Value Over Time

As we mentioned above, the moment your car leaves the lot, it starts to lose value. (For that reason, savvy consumers often believe it’s better to buy a used car over a new one.) What happens to the car will have a big impact on value as well, from wear and tear to how much it’s driven and its accident history. As a result, depreciation and trade-in values will vary from vehicle to vehicle.

Age and Condition

Age and condition are two of the biggest factors that will affect your truck’s trade-in value. The older a vehicle is, the less value it tends to maintain (unless it’s a desirable vintage vehicle). The reason: It’s assumed that the older a car is, the more it will have been driven and the more wear and tear it will have experienced.

All sorts of factors big and small can go into determining condition, from dents and scratches to major repairs made after an accident. Only cars in pristine condition will fetch top market values and trade-in prices.

Mileage

How much a truck has been driven will also have an impact on trade-in value. The more you drive your truck, the more wear and tear you may be putting on the engine and other parts. As a result, trucks with lower numbers on their odometers tend to command.

Make and Model

A truck’s make and model refer to the company that makes the vehicle and the specific product, respectively. For example, Ford is a make while the F-150 is a model of truck. Some makes and models are more popular than others, which can increase trade-in value. This may be for a variety of reasons. For example, some may get better gas mileage or have roomier interiors that make them more appealing to used truck buyers.

Recommended: What Should Your Average Car Payment Be?

Trim Level

The trim level of a vehicle refers to the optional features it has. For example, higher trim levels may offer more equipment or luxury materials, such as leather seats. Automotive technology, such as back-up cameras and navigation systems, are in high demand. Higher trim levels can translate into higher trade-in values.

Accident History

Even if a car shows no outward signs of damage after an accident, vehicles that have been involved in a major accident or a natural disaster, such as a flood, will usually fetch lower trade-in values.

According to Carfax, any accident will remove $500 from the value of a car, on average, while a major accident can cost as much as $2,100 in lost value.

Local Market Demand

Where you resell your truck can have an affect on its market value. For example, if you live in an urban area, there may be less local demand for trucks than if you live in a suburban or rural location.

Geography can have other impacts on the value of your truck. For example, a truck that’s been through a number of harsh Northeast winters might be in worse condition than one from a warmer, dryer climate.

Increase Your Truck’s Trade-In Value

Bring your truck up to the best condition to increase its trade-in value. Fix whatever damage you can, such as scratches, chips in the windshield, or minor engine repairs. Have your truck cleaned and detailed before an appraisal by a dealer. A money tracker app can help you carve out room in your budget for any repairs.

It’s worth noting that your credit score will also impact the deal you get on your new car. That’s because a higher credit score gets buyers a lower interest rate on car loans.

Recommended: Does Net Worth Include Home Equity?

The Takeaway

How much a truck is worth is calculated based on many factors, including make, model, age, mileage, and condition. The trade-in value will be less than the market value. Understanding your vehicle’s potential trade-in value is an important consideration when budgeting and saving for the purchase of a new or used truck. If you think you may trade it in for a newer model in the future, research vehicles that are likely to hold their value better.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is the trade-in value of a truck?

The trade-in value of a truck is how much money a dealer is willing to give you toward the purchase of a new vehicle in exchange for your old one. Because dealers want to turn a profit when they resell your vehicle, trade-in values tend to be lower than fair market values.

How is trade-in value calculated?

Your truck’s trade-in value is based on a variety of factors, including make, model, age, mileage, and condition of the vehicle. Your truck’s value will depreciate every year, until it no longer has a resale value.

How do I find the fair trade value of my car?

A number of online tools can help you find the fair trade-in value of your car. For example, Kelley Blue Book and Edmunds offer very good online tools. Enter your vehicle identification number, license plate number, or the year, make, model, and mileage of your truck to get an idea of what it may be worth.

Photo credit: iStock/freemixer

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

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

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

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Source: sofi.com

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We all know that a higher credit score makes it easier to get approved for an apartment. A higher score signals lower risk to landlords and property managers and increases the likelihood of landing the unit you want. But if you have a shaky credit history, you might wonder if your score is high enough to land your ideal apartment. Well Rent. has you covered. Whether you’re browsing apartments for rent in Dallas or searching for rentals in Las Vegas, here’s what you need to know about what credit score you need to rent an apartment.

What is a credit score?

Let’s start with the basics. Your credit score is a rating, ranging from 300 and 850, based on the strength of your credit history. Your credit score is important for many financial reasons and when it comes to renting an apartment, landlords can use your credit score as a quick way to quantify how “risky” of an investment you are.

A high credit score indicates low risk and a good payment history, which can make landlords more likely to approve your rental application. On the other hand, a lower credit score may lead landlords to require additional safeguards, such as a larger security deposit or a co-signer, to mitigate the perceived risk.

These five main factors determine your credit score:

  • Payment history (35%): Your history of paying bills on time and if you’ve ever paid late or filed for bankruptcy.
  • Amounts owed (30%): How much you owe in loans and outstanding balances.
  • Average age of credit (15%): How long you’ve had your credit accounts for.
  • New credit (10%): Recent credit card activity such as hard inquiries.

Credit mix (10%): Your makeup of revolving and installment accounts.

What credit score is needed for an apartment?

Generally, you’ll need a minimum credit score of 620 to 650 to rent an apartment. Landlords or property management companies want reassurance that you’re responsible and can pay your rent on time. A solid credit history and excellent credit score are two ways to show this. The general range of FICO credit scores are as follows:

  • Exceptional: 800–850
  • Very Good: 740–799
  • Good: 670–739
  • Fair: 580–669
  • Poor: 300–579

Although a score of 620 would be considered a fair credit score for renting, it’s definitely not the best score you can get. If your credit falls in this range or below, there are steps you can take to improve it.

What credit score do landlords look for?

So, what credit score is ideal for securing an apartment? There’s no single number, but just to give you an idea, you’re probably going to need a 740 score or higher to rent in a hot rental market.

Most apartments have a minimum credit score requirement, but in highly competitive markets like San Francisco or New York, the criteria can be even stricter.

Can you get an apartment with a credit score of 500?

A credit score of 500 is considered poor, which means many landlords may view you as a high-risk tenant. This could make it challenging to secure an apartment. If your credit score is this low or you lack credit history, consider finding a guarantor to co-sign the lease, as this can help reassure landlords and improve your chances of approval. You could also look for smaller, privately owned rental properties, where landlords may be more flexible with credit requirements. Additionally, offering a larger security deposit or several months’ rent upfront may convince a landlord to take a chance on your application.

How to raise your credit score

If you want to raise your credit score before you search for an apartment, here are some quick tips to help you out:

  • Pay your bills on time: Consistently paying your bills on time can help improve your payment history, the biggest factor in determining your credit score.
  • Pay more than the minimum amount: To improve your credit utilization ratio, aim to pay off as much as you can afford instead of the minimum payment (or the entire amount if possible).
  • Don’t close old cards: Older credit cards can improve your average age of credit, an important factor in your credit score.
  • Sign up for a secured credit card: Secured credit cards can help you establish or improve a low credit score for renting an apartment. Secured credit cards report to all three credit bureaus and your history will be included in your credit report.
  • Avoid excessive credit applications: Each credit inquiry you submit is recorded, and too many in a short period of time can lower your credit score.

Ask your landlord to report on-time payments: If you’re currently renting, ask your property manager if they can report your on-time rental payments to the bureaus.

Financial factors landlords look at beyond your credit score

In addition to looking at your credit score, landlords also want to review your credit reports for red flags. Landlords want to be able to accurately assess the risk of renting to you, so they’ll likely look at more than just your credit score to rent to you. Other facts they might look at include:

  • Late credit card and rent payments
  • Accounts in collections
  • Recent hard inquiries
  • Bankruptcy filings
  • High debt payment amounts (in comparison to stated income)

Your credit score plays a major role in securing an apartment, but it’s not the only factor landlords consider. Understanding what impacts your credit and taking steps to improve it can significantly boost your chances of approval. By staying informed and proactive, you can navigate the rental process more confidently and find the right home.

The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.

Source: rent.com

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Categories

Real Estate

October 3, 2024
by Mark Ferguson

The Federal Reserve recently cut interest rates more than expected. This is the first rate cut in four years, and it could significantly impact the housing market, inflation, and the broader economy. Let’s dive into what this means for real estate, inflation, and more.

Table of Contents

Video: Will the Fed Interest Rate Cut Increase Housing Prices?

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High Interest Rates and Inflation: A Misconception?

For years, I’ve advocated for cutting interest rates and argued against raising them. While many believe high interest rates help control inflation, I think they might do the opposite—and definitely don’t help with housing affordability. Studies suggest that high rates raise mortgage payments, making housing more expensive, not less.

A common belief is that high rates will force housing prices down, but I argue that high rates might actually make the situation worse by reducing supply. Fewer homes are built when borrowing costs are high, and existing homeowners are reluctant to sell, waiting for lower rates. This supply shortage pushes prices up, not down.

What is the Best Investment in a High Inflation Environment?

What the Fed Rate Cut Means for Mortgage Rates

The Fed’s interest rate decisions don’t directly affect mortgage rates, but they are closely related. The Fed sets the federal funds rate, which is what banks pay to borrow from each other. Mortgage rates, on the other hand, are determined by the bond market and overall economic conditions.

Typically, when the Fed cuts rates, mortgage rates also drop. But the relationship isn’t always linear. As we’ve seen recently, mortgage rates have been all over the place. Earlier this year, they were above 7%, but now they’ve dropped to around 5.7% for a 30-year mortgage, according to NerdWallet. That’s a significant drop, which makes homes more affordable by lowering borrowing costs.

Rental Property Cash Flow Calculator

Could Lower Rates Boost Housing Demand?

Lower rates could trigger a surge in homebuying. Many renters and homeowners have been sitting on the sidelines, waiting for rates to drop. When they do, these buyers may jump back into the market, driving prices up. We could see a short-term price increase due to a spike in demand.

However, lower rates also make it easier to build new homes. Increased construction would boost supply, potentially stabilizing prices over time. Currently, there’s a significant housing shortage, and more building is necessary to meet demand. So while prices may rise in the short term, more construction will help create a more balanced housing market in the long run.

Future Value Inflation Calculator

The Argument for Lower Rates Stabilizing the Market

Some people argue that lowering rates will bring more homes onto the market, as current homeowners who have been holding off on selling will finally list their properties. This could increase supply, but those same sellers are also buyers. So, while more homes might come on the market, there will still be buyers ready to snatch them up, including renters who have been waiting for a better deal.

In fact, with more buyers than sellers, we could see even higher demand than supply, leading to an imbalance favoring buyers. Lower rates, combined with strong demand from immigrants and other demographics, could lead to a more pronounced housing boom.

What is the Best Way to Invest in Real Estate?

Job Growth, Immigration, and Housing Demand

Another factor driving housing demand is immigration. Recently, there’s been significant job growth, but most of it has been among foreign-born workers. Data from the Census and the Social Security Administration shows a substantial increase in employment for foreign-born individuals, while employment for native-born workers has decreased. With more immigrants entering the workforce, housing demand is likely to rise, adding pressure to the housing market.

Many predict that population declines will lead to a housing crash, especially as baby boomers age. However, immigration is offsetting those declines. The U.S. population is still growing, which means more demand for housing, both for homeownership and rentals. Coupled with lower interest rates, this could result in continued upward pressure on home prices.

Why High Rates Don’t Necessarily Lower Prices

There’s a misconception that raising interest rates automatically leads to lower prices, whether for housing or goods. While higher rates can reduce demand, they also reduce supply, which can keep prices elevated. Fewer homes are built, fewer people sell their homes, and businesses cut back on production. In the housing market, this stagnation leads to a supply-demand mismatch, propping up prices rather than reducing them.

Studies from the 1970s and 1980s, when interest rates were at their highest, show that housing prices still rose dramatically. In fact, during the 1970s, prices tripled, and in the 1980s, they doubled. High rates simply don’t curb housing prices as much as people think.

Do Higher Rates Actually Cause Inflation?

Another controversial idea is that high rates can lead to inflation. Many people think raising rates controls inflation by reducing demand, but it doesn’t consider the supply side. When borrowing costs are high, businesses slow down production, which reduces supply. This supply contraction can lead to higher prices for goods and services, as companies are forced to raise prices to cover their costs.

For example, I own a small business. If my costs increase due to higher interest rates, I can’t just lower my prices to compensate for reduced demand. I still need to cover my fixed costs, so I might raise prices instead. This is how high interest rates can cause prices to rise, counterintuitively contributing to inflation rather than reducing it.

Conclusion: Why Lower Rates Are Good for the Economy

In summary, I believe lower interest rates are better for the economy and the housing market. Lower rates encourage building, make borrowing cheaper, and can help stabilize housing prices in the long run. While some fear that lowering rates will cause prices to surge, the alternative—keeping rates high—only prolongs the problem by restricting supply.

Additionally, the data shows that high rates don’t automatically lead to lower prices and, in some cases, can even cause inflation. As we move forward, it will be interesting to see how the Fed’s rate cuts impact the economy and the housing market in the months to come.

What do you think? Let me know in the comments below!

Source: investfourmore.com

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The Offer

Direct link to offer

  • Chase is offering a bonus of five free night certificates, good on category 1-4 properties when you spend $4,000 on purchases in the first three months of account opening on the Chase World of Hyatt card.


Card Basics

  • This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months 
  • Annual fee of $95
  • Card earns at the following rates:
    • 4x points per $1 spent on Hyatt hotels (they advertise this as 9x, but it’s 4x plus the 5x you normally get anyway)
    • 2x points per $1 spent on local transit and commuting (including taxis, mass transit, tolls and ride-share serivces)
    • 2x points per $1 spent on restaurants, cafes and coffee shops
    • 2x points per $1 spent on airline tickets purchased directly from the airlines
    • 2x points per $1 spent on fitness clubs and gym memberships
    • 1x points per $1 spent on all other purchases
  • Receive up to two free nights annually:
    • One free night at any category 1-4 Hyatt property every year after your card member anniversary
    • An additional free night at any category 1-4 Hyatt property if you spend $15,000 during your card member anniversary year
  • Status:
    • World of Hyatt Discoverist status for as long as the card is open
    • 5 qualifying night credits towards your next tier status every year
    • An additional 2 qualifying night credits towards your next tier every time you spend $5,000 on the card (no limit)

Our Verdict

Previous best offer was 65,000 points. If you redeemed all five nights on a category four property that would come out to 90,000 points so this bonus is significantly better but you obviously lose the ability to stay at properties category 5 or above. This offer also requires a lot less spend. I think this offer is worth doing if you have a 5/24 spot and will be added to the best credit card bonuses.

Hat tip to shris420


Source: doctorofcredit.com

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Editor’s Note: Options are not suitable for all investors. Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire amount invested in a short period of time. Please see the Characteristics and Risks of Standardized Options.

While most investors are familiar with buying and selling shares of stock directly, investing in options is another way to put money behind stock price movements.

Options are a type of derivative contract that allows the investor to buy (or sell) a stock, or some other asset, at a certain price within a specific time period. The two basic types of options are known as “puts” and “calls.”

Options trading is a popular strategy for day traders, because it offers the potential to make profits within a shorter time frame, as opposed to owning shares of stock outright, and waiting for the price to move in the desired direction. Options trading can potentially generate returns, but it can also amplify losses, making it a risky strategy.

Key Points

•   Buying a call option gives an investor the right, but not the obligation, to buy shares of an underlying asset at a specific price and by a specific date, to potentially profit from a price increase.

•   Buying a put option gives an investor the right, but not the obligation, to sell shares of an underlying asset at a specific price and by a specific date, to potentially profit from a price decrease.

•   The buyer of a call or put option must pay the seller a premium for the options contract, assessed per share.

•   The price at which an option can be exercised, as specified in the option contract, is called the strike price.

•   Options trading involves risks, including potentially substantial losses.

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Overview: What Are Options?

In options trading, an option contract is a derivative instrument that’s based on an underlying asset: e.g., stocks, bonds, commodities, or other securities. Thus, the buyer of an options contract doesn’t purchase the asset directly, but a contract with an option to buy or sell that security. For example, with stocks, also called equity options, one contract represents 100 shares.

Options come in two flavors, as noted above: calls and puts. For the sake of simplicity, this article will refer primarily to stock or equity options.

Options Buyers vs. Options Sellers

An options buyer, also called the holder, has the right, but not the obligation, to buy or sell the underlying asset at the agreed-upon price (the strike price) by a specific date (the expiration). Buyers pay a premium for each option contract, which is assessed per share. If there is a $1 premium per share, at 100 shares, the total cost of the option is $100.

The potential upside for an options buyer could be unlimited, depending on their strategy. And since an options buyer is not obligated to exercise their option — meaning to actually buy or sell the underlying stock at the price agreed to in the option contract — the most they stand to lose is the premium paid for the option.

An options seller, also called the options writer, is on the other side of the trade. In this case, if the options holder exercises the contract, the option seller has an obligation to buy or sell the underlying asset at the strike price.

The potential upside for an options seller is the option’s premium. Their potential downside depends on whether they’re selling a put option or a call option. More on this below.

Trading options requires familiarity with options terminology, since these strategies can be complex and come with the potential risk of steep losses, depending on the strategy.
💡 Quick Tip: How do you decide if a certain trading platform or app is right for you? Ideally, the investment platform you choose offers the features that you need for your investment goals or strategy, e.g., an easy-to-use interface, data analysis, educational tools.

What Is a Call Option?

When purchased, a call option gives the options buyer the right, but not the obligation, to buy 100 shares of the underlying asset at the strike price, by the expiration of the contract.

Buying a call option can be appealing because it gives a buyer a way of profiting from a stock’s increase in price without having to pay what could be the current market price for 100 shares.

If the price of the underlying asset rises above the strike price, then the buyer may choose to exercise their option, paying less than what it’s worth on the market and potentially selling shares for a profit.

For a call option buyer, the profit is determined by the premium they pay and if, and by how much, the price of the security rises above the option’s strike price before it expires. The maximum potential upside is unlimited since, theoretically, the price of the underlying asset could continue to rise. The maximum potential downside is limited to the premium paid for the option.

Conversely, the seller, or writer, of the call option has the obligation to sell the underlying shares to the buyer, if the buyer exercises the option. The seller’s maximum potential gain is limited to the option’s premium. Their potential downside is unlimited, since they must sell shares at the option’s lower strike price, no matter how high the market price has risen.

Example of Buying a Call Option

If an investor buys an option with a strike price of $50 for a stock that’s currently worth $40, the option will be “out-of-the-money” until the stock rises to $50. If the premium is $1/share — meaning they only pay $1 up front — then the investor will only be risking $100, not $4,000.

If the stock is trading at $55 on or before the expiration date, it would make sense to “exercise” the option and buy the stock for $50, thus giving the investor shares with built-in profit thanks to the difference between the strike price of $50 and the value of $55. In this case the profit would be $4/ per share (or $400), minus the premium paid: a strike price of $50 gives the investor the right to buy 100 shares of a stock worth $55, with a premium of $1 per share.

On the other hand, if the stock has not risen enough in price, the investor can just let the option expire, having only lost the price of the premium, rather than being saddled with shares they can’t profit from.

Recommended: A Beginner’s Guide to Options Trading

What Is a Put Option?

A put option gives the investor buying the contract the right, but not the obligation, to sell the underlying security at the agreed-upon strike price, by the expiration date of the option.

If buying call options are a way to profit when the price of a stock or other underlying asset moves in the right direction, buying put options can be a way to profit from the fall of a stock’s price, without having to short the stock (i.e. borrow the shares and then buy them back at a lower price).

Purchasing a put option contract gives its buyer the right, but not the obligation, to sell shares at a certain price, at or by a specified time in the future. The key difference between buying a put vs. a call option is that the put option becomes increasingly valuable as the price of the underlying asset decreases. A put option buyer is hoping they can sell the underlying asset at a strike price that’s higher than the market price.

For the put option buyer, the maximum potential upside is the difference between the option’s higher strike price and the price at which the option is exercised (minus the premium), while the maximum potential downside is limited to the premium paid.

Again, the put option seller is on the other side of the trade, and is obligated to buy the shares from the put buyer, if the buyer decides to exercise the put option. The put option seller’s maximum upside is the option’s premium. Their potential downside extends to the difference between the option’s higher strike price and the lower market price at the time the option is exercised.

Example of Buying a Put Option

As an example, let’s say a stock is worth $50 today. If an investor thought the stock’s value could go down, they might buy a put option with a strike price of $40. Let’s say the premium for the option is $1, and they buy a contract that gives them the right to sell 100 shares at $40. The premium, then, is $100.

At the time the investor buys the put option, it’s out-of-the-money. If the price remains above $40 until it expires, the investor will not be able to exercise the option and they will lose the premium.

But if the stock has dropped from, say, $50 to $35, the option is in-the-money and if they were to exercise the option, they’d profit from being able to sell shares for $40 that are worth $35, pocketing $5 per share or $500, minus the $100 premium, leaving them with $400, minus any brokerage fees.

Risks of Options Trading

Option trading can be a useful way to manage risks in a volatile market and potentially profit from movements in stocks one doesn’t own. Again, an investor buying options only stands to lose the premium they pay for an options contract, though the cost of premiums can accrue if purchasing multiple options contracts over time.

However, an investor selling call options or put options, who is obligated to either buy or sell an option’s underlying assets per the terms of the options contract, could potentially see substantial losses. This is especially true if they don’t understand the potential downside to the trades they’re executing.

The Takeaway

Option trades may appeal to individual investors because they offer a way to potentially see a gain from movements in a stock price, without having to own the underlying shares. If an investor isn’t able to exercise the call or put option they purchased, they’ll lose the premium they paid for that contract. However, selling a call or put option can be high risk, potentially leading to significant losses.

Investors who are ready to try their hand at options trading despite the risks involved, might consider checking out SoFi’s options trading platform. The platform’s user-friendly design allows investors to buy put and call options through the mobile app or web platform, and get important metrics like breakeven percentage, maximum profit/loss, and more with the click of a button. Currently, investors can not sell options on SoFi Invest®.

Plus, SoFi offers educational resources — including a step-by-step in-app guide — to help you learn more about options trading. Trading options involves high-risk strategies, and should be undertaken by experienced investors.

Explore user-friendly options trading with SoFi.


SoFi Invest®

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

SoFi Invest encompasses two distinct companies, with various products and services offered to investors as described below:
Individual customer accounts may be subject to the terms applicable to one or more of these platforms.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“SoFi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA (www.finra.org)/SIPC(www.sipc.org). Clearing and custody of all securities are provided by APEX Clearing Corporation.

For additional disclosures related to the SoFi Invest platforms described above please visit SoFi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform.

Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire amount invested in a short period of time. Before an investor begins trading options they should familiarize themselves with the Characteristics and Risks of Standardized Options . Tax considerations with options transactions are unique, investors should consult with their tax advisor to understand the impact to their taxes.
Disclaimer: The projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOIN-Q324-061

Source: sofi.com

Apache is functioning normally

It’s been a long day at work or a totally fun night out, and you’re finally home to your Chicago apartment. You reach into your purse or pocket to find your keys, only to find out they’re not there. You desperately search for a few more seconds, but come up empty-handed. Time to face the facts — you’re locked out of your apartment. No need to panic, though. There are plenty of things you can do to get yourself out of this pickle.

What do I do if I get locked out of my apartment?

Locking yourself out of your house is one of the most discouraging feelings, especially when you can envision exactly where your keys are — inside the apartment. The best reaction is to already have a plan in place, but since not all of us think about it beforehand, here’s how you can handle the situation when you’re in the moment.

1. Get in touch with management or maintenance

If you’re locked out of your apartment during your management or leasing office’s business hours — and there’s an office on the premises — walk over and ask for help. Property managers or your landlord will always have a spare key on hand for things like maintenance emergencies, so it’s a pretty safe bet they can let you into your place within a few minutes. If they don’t have a key, they’ll likely have the number of a local locksmith they can call for an emergency visit. If it’s after business hours and your complex has an emergency maintenance number, try that.

Going this route is sure to produce quick results since you know they already have a copy of your key, but it may come with a fee. Asking the leasing office or maintenance staff to help you when you’re stuck outside of your apartment can cost you anywhere from $25 to several hundred dollars depending on the terms of your lease.

2. Reach out to your roommate

One of the perks of having a roommate is getting help in situations like these. Even if you have to wait for them to get home, at least you won’t have to take more dramatic measures to gain entry. Contact them to let them know what happened and see when you can expect them home.

If you have to wait a while, ask if you can come to them and grab their key. Make sure to promise to return the favor if ever needed. If you have to wait, try to relocate to a coffee shop or restaurant where you can hang out safely for a few hours until help arrives.

3. Look for another way in

You may have locked the front door, but what about the windows? Or, if the apartments in your building have back doors, do you have one you can use? If you want to avoid tracking down a spare key, you can always try to find another way to get into your apartment. This won’t work if you live in a high-rise or otherwise difficult-to-access unit, but some have the right design to give you a chance. For example, if you live on the first floor and have a balcony, you might be able to get in through that door if it’s unlocked.

4. Call a locksmith to unlock the door

When all else fails, you may want to call a locksmith. Make this your last resort because you’re going to have to pay for professional locksmith service. You might also be charged a fee if the lock gets damaged or needs replacing after you’re inside.

In theory, locksmiths can unlock apartments without doing any damage, but there’s no guarantee it will happen seamlessly. They may even have to install a new lock to let you in, resulting in an inconvenience for your property manager or landlord. They’ll most likely charge you for that.

How to avoid getting locked out of your apartment

Locking yourself out of your apartment the first time is one time too many. It can be incredibly inconvenient and a little embarrassing. The best solution is to prevent the problem from happening in the first place.

1. Upgrade to a smart lock for your front door

One way to prevent yourself from getting locked out is to upgrade your lock or doorknob that allows for keyless entry. There are a variety of smart locks that guarantee entry into your home with just an app — you pretty much can unlock the door by just getting near it.

By downloading the appropriate app and logging in, you can remotely control your lock. Smart locks let you control the doors from wherever you are, which is especially handy if you have young children that may try to escape. This even allows you to let in the pet sitter or overnight guest without you being at home. Most have monitors, too, so you can see who’s at your door and a logging system that lets you track each time someone locks or unlocks the door. It’s added security coupled with convenience. It’s also a significant upgrade.

Adding smart locks isn’t something you can do without the landlord or property manager’s permission. Make sure to check with them before purchasing the technology. They may even like your idea so much that they’ll pay for the installation and offer the upgrade to the rest of the tenants in your complex.

2. Give a spare key to a friend

If you don’t have a roommate, never underestimate the power of giving a spare key to someone else. This can save you on more than one occasion. It will not only be there waiting if you lock yourself out, but if you ever need someone to come into your apartment when you’re not there, you’re set. The trick is finding the right person to hold on to your spare, so when you give them a call, they’ll be available to hand it over.

3. Do a double-check for your apartment key

Another way to prevent getting locked out of your apartment is to work a key check into your routine before you even leave. Everyone has a routine before walking out the door. You may check that your stove is off, set the thermostat and turn off all the lights. This routine can include a check that you’ve got your wallet, cell phone and house keys.

If routines aren’t your thing, try giving yourself a permanent reminder. A sign on or near your door in a bright, bold color telling you to grab them is sure to catch your eye on your way out. Having a designated spot for your keys can also help.

4. Carry spare keys

This is only a helpful strategy if you can put a spare key in something you always carry. If you change out your wallet or purse often or forgo them altogether, it’s harder to keep a spare with you. The best trick is to make a spare and store it between your cell phone and the case. It’s one way to ensure you always have a key with you, unless you lose your phone.

Locked out of your apartment? It’s not the end of the world

It might feel like the absolute worst at the moment, but getting locked out of your apartment is only a minor inconvenience. Thankfully, there are people out there who are able to help and ways to make sure you don’t make this same mistake again.

Source: rent.com

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Glendale, CA, may be just outside the bustling streets of Los Angeles, but this city is brimming with hidden gems and unique things to experience that cater to all tastes. Whether you’re thinking about buying a home in Glendale, CA, or renting a house or have your eyes on an apartment in the city, you’ll soon discover there’s plenty of unique things to do in Glendale, CA. 

From comedy nights and cultural explorations to delicious food and scenic adventures, here’s a guide to some of the city’s must-visit spots, blending fun, relaxation, and community vibes.

1. Laugh out loud at Flappers Comedy Club

If you’re in the mood for some laughs, head to Flappers Comedy Club. Located in nearby Downtown Burbank, this 1920’s-themed venue celebrates the repeal of Prohibition with top-notch comedic performances from the likes of Jay Leno, Bill Burr, Whitney Cummings, and Arsenio Hall. Enjoy a full speakeasy restaurant and bar menu while catching a show seven nights a week. It’s a place where humor meets history, providing the perfect setting for a fun night out with friends or loved ones. Discovering the unique things here makes for an unforgettable experience.

2. Savor New York-style pizza at Slice House

For pizza lovers, Slice House in Burbank is a must-visit. Known for its authentic New York-style pizza, this spot also offers unique things like Sicilian and Detroit-style pies, all crafted by renowned pizza maker Tony Gemignani. In addition to pizza, Slice House features tasty lunch specials that pair slices with salads and drinks. With plenty of TVs showing sports games and a daily happy hour serving craft beer and wine, it’s the perfect place to enjoy great food and community vibes, whether you’re dining in, picking up, or ordering for delivery.

Photo courtesy of Slice House Burbank

3. Sip on craft cocktails at The Famous Craft Bar

For a laid-back bar experience without the pretense, visit The Famous Craft Bar in Glendale. Offering an elevated yet relaxed atmosphere, this local watering hole serves up craft cocktails, a curated selection of wines, and a variety of craft beers. It’s the perfect place to unwind, no matter your drink preference, and experience some of the unique things this bar has to offer.

4. Enjoy classic dining at Foxy’s Restaurant

Bonnie of Bonnie’s Pilates, a long-time fan of Glendale, says, “I’ve been dining at Foxy’s Restaurant for 20 years. It’s an iconic Glendale diner that’s been serving from-scratch favorites since 1964. With its funky Swiss Chalet architecture, it’s a surprise that you can get some of the best Mexican food in LA County.” Whether you’re craving American or Mexican fare, Foxy’s is the perfect stop before or after a shopping trip at the Americana, located just across the street. 

5. Taste filipino flavors at Max’s Restaurant

For a taste of the Philippines, visit Max’s Restaurant in Glendale, just steps away from the Americana at Brand. Famous for its signature fried chicken recipe, this beloved restaurant has been serving up authentic Filipino flavors for nearly 80 years. Whether you’re new to Filipino cuisine or a long-time fan, Max’s is the perfect place to experience warm hospitality and comforting dishes made with love.

Photo courtesy of Max’s Restaurant

6. Visit Paperback Brewing for local brews

For a lively community vibe and great craft brews, head over to Paperback Brewing in Glendale. Set inside an old airplane hangar, this brewery offers not just a unique setting but also an unforgettable experience. One highlight is the Wish You Were Beer Show, where locals and visitors gather to socialize over fresh craft beer in a laid-back, welcoming atmosphere. The friendly staff and fun events make Paperback Brewing a go-to spot for meeting neighbors and enjoying unique things in craft beer.

7. Cruise around with Ebird Express

For a fun and unique way to explore Glendale, hop aboard the Ebird Express party bike. This lively excursion allows you and a group of friends to pedal through the city while enjoying drinks, music, and good company. The multi-rider bicycle, often referred to as a pedal pub, is a great option for parties, tours, or special events. And if pedaling sounds like too much work, don’t worry—the bike comes equipped with an assist motor to keep things rolling smoothly. It’s one of the many unique things to do in Glendale.

8. Experience fun and flavor at Brewyard Beer Company

Brewyard Beer Company, Glendale’s first full-distribution brewery, offers a mix of Japanese and Filipino-inspired beers and seltzers. Located off San Fernando Road under the Western Avenue Bridge, Brewyard is more than just a place to grab a drink. It hosts a range of events, including trivia nights, karaoke, movie screenings, and Nite Markets, making it a go-to spot for entertainment and unique things in craft beer.

Photo courtesy of Brewyard Beer Company

9. Relax with an in-home massage from Tranquil

If you’re looking for relaxation, consider an in-home massage from Tranquil in Glendale, offering extended hours for convenient scheduling. Whether you’re winding down after a hike in the Verdugo Mountains or just need some time to relax, a little self-care will leave you feeling refreshed.

10. Find romance at the Americana at Brand

Published author Marcello Kline describes Glendale as a “fantastic and romantic city outside of Los Angeles” that inspired his debut novel, The Art Gallery. The city plays a key role in the characters’ blossoming romance, with the Americana at Brand being a notable location. Though not a hidden gem, Kline shares that walking around the outdoor mall at night, with its light strands, cascading fountains, and background music, creates a romantic atmosphere. These unique features make it a perfect spot for a date.

11. Refuel at Panini Kabob Grill

Located in the Glendale Galleria Mall, Panini Kabob Grill is the perfect place to grab a delicious, freshly made meal after a long day of shopping. With a diverse menu that includes charbroiled kabobs, crispy paninis, refreshing salads, and creamy pasta dishes, this restaurant prides itself on using high-quality ingredients prepared from scratch. Whether you prefer to dine indoors or on their spacious patio, Panini Kabob Grill offers a welcoming environment to unwind and enjoy a hearty meal. 

Photo courtesy of Panini Kabob Grill

12. Immerse yourself in Glendale’s art and history

The art scene is one of the many things Glendale is known for, offering a variety of enriching experiences, from museums to live performances. For history buffs, the Martial Arts History Museum provides a fascinating look at martial arts traditions, while the Museum of Neon Art showcases eclectic and kinetic displays of historic signage. The city’s beloved Alex Theater, a historic landmark dating back to 1925, regularly hosts live performances, including concerts, plays, and film screenings, making it a cultural hub for the community.

For art lovers, the stunning Brand Library features rotating exhibitions of contemporary art, and the Forest Lawn Museum often presents thought-provoking traveling exhibitions, blending the past with modern creativity. These experiences highlight some of the unique things in Glendale’s cultural landscape.

13. Refresh and refuel at Da Juice Bar

For a healthy, refreshing treat, head to Da Juice Bar on Brand Blvd. Offering a variety of options such as empanadas, acai bowls, smoothies, and freshly made juices, this local favorite is perfect for breakfast, lunch, or an afternoon snack. Whether you’re craving something light or a full meal, this spot r has a little something for everyone.

Photo courtesy of Sense Spa 

14. Rejuvenate at Sense Spa

For a truly unique experience, visit Sense Spa, Glendale’s first scalp management center. Combining traditional relaxation techniques with cutting-edge technology, Sense Spa focuses on improving scalp health through treatments like Japanese carbonated springs and advanced scalp care products. In addition to their scalp treatments, they also offer sound aromatherapy body spa services, providing a peaceful and rejuvenating experience for every guest.

Unique Things to do in Glendale: Wrapping up

Glendale is a city that blends charm, culture, and community, offering a variety of unique things to see and do. From savoring diverse cuisines to exploring vibrant arts and entertainment scenes, there’s no shortage of hidden gems waiting to be discovered. Whether you’re a local or just passing through, Glendale’s distinct offerings promise memorable experiences for everyone.

Source: apartmentguide.com

Apache is functioning normally

Economic topics took center stage in the vice presidential debate Tuesday night between Ohio Sen. JD Vance and Minnesota Gov. Tim Walz. The candidates defended their tickets while debating intensely on inflation, housing, child care and health care.

The debate, held in New York City and hosted by CBS, gave Walz and Vance the opportunity to more clearly define themselves to voters, as both were thrust quickly into the national stage this summer. In contrast to the presidential debate three weeks ago between former President Donald Trump and Vice President Kamala Harris, the vice presidential debate was strongly focused on policy.

Also unlike the first debate between Trump and Harris, the Walz-Vance debate remained civil and sometimes agreeable. The pair even found common ground in the fact that both have made public misstatements in the past — Vance in his prior condemnation of Trump and Walz incorrectly stating that he had been in Hong Kong during the 1989 Tiananmen Square massacre.

But it was still a debate between candidates with stark conflicting views on most issues, especially abortion and immigration. They used their time to attack the others’ rivals at the top of the ticket. The biggest moment of tension between the two men came when Walz confronted Vance about whether he believed that Trump lost the 2020 election — Vance bypassed the question and instead pivoted to a claim about pandemic-related censorship on Facebook.

As Walz and Vance supported their respective running mates, here’s what they had to say on some key economic issues:

The economy

  • Vance said Harris has already had the time to enact her policy plans, some of which he said “even sounds pretty good”: “If Kamala Harris has such great plans for how to address middle-class problems, then she ought to do them now.” 

  • Walz attacked Trump for his contributions to the state of the economy the Biden-Harris administration inherited. He said: “We were already, before Covid, in a manufacturing recession — about 10 million people out of work, largest percentage since the Great Depression.” 

  • Walz also gave his appeal to voters when it comes to Trump’s tax policies: “How is it fair that you’re paying your taxes every year and Donald Trump hasn’t paid any federal tax in the last 15 years?” 

Housing affordability

  • Harris wants to increase housing production and encourage first-time home buying through downpayment support. Walz supported Harris’ plans and attacked Trump’s plan to seize federal lands 

  • Trump wants to make housing more affordable by seizing federal lands, providing tax incentives and deporting immigrants. Trump has stated many times that migrants have driven up competition and increased housing prices — this claim is false, but Vance said he would share evidence after the debate via social media. Vance said that one of the strategies for lowering housing costs (in addition to Trump’s plan to deport migrants) would be lowering energy prices.  

  • The VP candidates did agree on one thing, sort of. Walz said “The problem we’ve had is that we’ve got a lot of folks that see housing as another commodity.” Vance also said “We should get out of this idea of housing as a commodity,” before returning to more rhetoric related to immigration. 

Health care

  • Vance promised to cover preexisting conditions if Trump is elected. 

  • Walz spoke about Trump’s opposition to the Affordable Care Act and his attempts to repeal it during his time in office. 

  • On abortion, Vance rebuffed the conjecture that he supported a national ban on abortion, although he did support a bill that would have done just that in 2022. He added that he wants the Republican Party to be pro-family: “I want us to support fertility treatments. I want us to make it easier for moms to afford to have babies.” 

  • Meanwhile, Walz fiercely denied Trump’s accusation that he supports abortion in the ninth month of pregnancy. 

Child care

  • Vance claimed that Trump’s plan to levy a 10% tariff on all foreign imports (with up to 60% for Chinese imports and 100% for vehicle imports from Mexico) would bring in money that would help bring down child care costs. Walz disagreed and said the tariffs would raise prices, which has been backed up by economists from all over the spectrum, including the nonpartisan Tax Foundation. 

  • Walz said Harris would make a paid family leave a priority. “A federal program of paid family medical leave and help with this will enhance our workforce, enhance our families and make it easier to have the children that you want.” Vance said there is a bipartisan solution to child care. 

There are no additional debates scheduled for either the presidential or vice presidential candidates.

By midnight on the East Coast, the Polymarket, a prediction market platform, projected a 65% chance that upcoming polls will show Vance won the debate.

Photo by Chip Somodevilla/Getty Images

Source: nerdwallet.com