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January 11, 2024 by Brett Tams

Life insurance is a type of insurance policy that can provide the policyholder with something almost priceless: the reassurance that loved ones will have the financial support they need after the insured person passes away. More technically, it is a contract between the policyholder and the company providing the insurance coverage.

Whichever way you define it, it’s an important tool that can protect those who depend upon you most if you weren’t here to financially care for them.

Let’s take a closer look at what it’s all about and how it can help give your loved ones a financial safety net — and give you peace of mind.

What Is Life Insurance?

Let’s give you an overview of this important product:

• Life insurance is a kind of a contract between a policyholder and the company issuing the insurance. Specifically, that policy guarantees that the beneficiaries who are named will receive, upon the death of the insured, a sum of money known as a death benefit.

• For this kind of coverage, the policyholder pays premiums during their lifetime. They must also disclose details like their health status and some facets of their lifestyle to be insured.

• Life insurance comes in two main varieties: term insurance, which covers you for a specific time period (or term), and permanent insurance, which covers you for however long you live, even if that’s 110!

Life insurance comes in many different forms and with an array of features. But at its core, it can be thought of as a way of making sure that your loved ones have a financial cushion when you aren’t here. Consider these scenarios:

• Let’s say you have a non-working spouse: Life insurance will mean they are covered so housing, food, and other expenses are provided for.

• Perhaps you have toddlers and want to know that, no matter what, their college tuition will be paid.

• Maybe you have a relative who can’t live independently and you will sleep better at night knowing their care will be taken care of if you weren’t here.

We’ll review the options and specifics in more detail so you have all the info you need to pick the right policy for you. Ready? Here we go!
💡 Quick Tip: The group life insurance offered by employers is a nice perk, but it may not be enough to cover your financial obligations. A supplemental life insurance policy can bridge the gap.

How Life Insurance Works

Let’s define some of the life insurance terms you are likely to hear used when you’re shopping for a policy. Here’s what they mean and how they function to give you the coverage you’re hoping for:

• Death Benefit: It’s a scary term, we hear you! But it’s the crux of life insurance policies. This is the lump sum payment that will be paid out at the time of your death to your beneficiaries if you die while covered by a life insurance policy. It can go a long way towards keeping them in good financial shape. Btw, a death benefit is usually not subject to the usual income tax.

• Beneficiaries: These are the people who receive the death benefit from your life insurance policy. You can name one or more people who you want to be covered. (You can also name trusts and charities.) Beneficiaries usually have plenty of flexibility in how to use the funds. Depending upon the specifics of the financial situation and of policy payout, someone might choose to pay off a mortgage loan, for example, or make monthly payments to stay current.

• Premium: This is the monthly or yearly payment you make to the life insurance company to pay for your coverage and keep your policy in effect.

• Cash Value: Permanent life insurance policies have a cash value savings component that grows over time and can be used or borrowed against.

Types of Life Insurance

Now, let’s take a look at some of the main types of life insurance you might be interested in: term life versus whole life.

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Term Life

As the name suggests, this insurance covers you for a specific term or length of time (think 10, 20, or 30 years, though other lengths are often available). This works well for people who want to know that, say, if anything were to happen to them, their non-working spouse would be able to pay the mortgage for the remaining term. Or if you have children and you want to be sure their educational costs are taken care of if you were to die. Typically, term life insurance is more affordable than permanent life insurance. Worth noting:

• Regular payments must be made to keep the policy active.

• Payments on term life insurance policies are typically fixed.

• If the term ends and you are still alive, that’s great! But you probably don’t get any refund of premium payments.

Permanent Life

This kind of life insurance covers you for your entire life. Whenever you die, your beneficiaries will receive their lump-sum death benefit. What’s more, these policies have a cash value; that is, some of your payments go into a savings vehicle on a tax-deferred basis that you can then tap or borrow against. Because of this extended coverage and the savings function, permanent life insurance is the costlier option, with the price often ranging from five to 15 times that of term life insurance. Permanent life insurance comes in an array of options. Let’s spell out a couple of common ones:

• Whole Life: These life insurance policies provide a death benefit as well as the cash-value account. The latter may have a guaranteed rate of return, and as it grows, there may be dividends paid that can be put towards your premium payments or reinvested in the cash-value account.

• Universal Life: This kind of policy gives you more options than whole life. For instance, you can possibly alter your premium payments, and the cash value will accrue in different ways. Its growth might be tied to an indexed fund like the S&P 500; you’ll hear these life insurance policies referred to as an indexed universal life policy. Or you might prefer what is known as a variable universal life policy. These usually have varied investment accounts that you can manage as you like.

Guaranteed Acceptance or Simplified Issue Life Insurance

These are policies that allow the applicant to avoid the medical examination that is usually required for life insurance. (These are brief exams that often involve a blood draw and urine sample, to chart factors like cholesterol that might influence the cost of your policy.) These forms of insurance can be good for people who don’t like doctor’s appointments, who fear learning what these tests might reveal, and also who want to considerably shorten the time it can take for approval of a policy with what’s known as medical underwriting, which can equal a couple of months.

In Guaranteed Acceptance life insurance, as the name implies, you can’t be turned down; your medical status isn’t an issue. However, you will probably be offered a small death benefit (say, $25,000) and rates will be higher than with some other forms of life insurance.

With Simplified Issue life insurance, the applicant may only have to answer a few questions about their health, no exam required. With these kinds of policies, however, the full death benefit may not be paid unless the policy has been held for two years; if the policyholder dies before then, a refund of premiums may be paid out.

Type of insurance	Period of Coverage	Benefits	Downsides
Term Life Insurance	For a finite period of time (say, 5-40 years)	• Affordable • Term is tailored to your needs	• You might outlive the policy’s term • When the policy is over, your premium payments aren’t refunded
Permanent Life Insurance	For your entire life; your beneficiaries will definitely receive a payment	• Peace of mind that loved ones are covered • Cash value savings account	• Expensive
Guaranteed- or Simplified-Issue Life Insurance	A permanent policy that ensures a small benefit when you die	• No medical exam needed • Easy to apply for • Quicker approval	• Lower coverage amount • Expensive • Death benefit may not be paid if policyholder dies within a few years of getting the insurance

Type of insurance

Period of Coverage

Benefits

Downsides

Term Life Insurance

For a finite period of time (say, 5-40 years)

• Affordable

• Term is tailored to your needs

• You might outlive the policy’s term

• When the policy is over, your premium payments aren’t refunded

Permanent Life Insurance

For your entire life; your beneficiaries will definitely receive a payment

• Peace of mind that loved ones are covered

• Cash value savings account

• Expensive

Guaranteed- or Simplified-Issue Life Insurance

A permanent policy that ensures a small benefit when you die

• No medical exam needed

• Easy to apply for

• Quicker approval

• Lower coverage amount

• Expensive

• Death benefit may not be paid if policyholder dies within a few years of getting the insurance

What Does Life Insurance Cover?

Life insurance covers a variety of expenses. Here are some common examples:

• Unpaid debt

• Medical expenses

• End-of-life expenses

• Monthly expenses, such as utilities, food, and rent or mortgage payments

• Replacement of lost income, if the policy owner was still working at the time of their death

• Child care or dependent care

• Cost of education

• Charitable contributions

It’s important to note that there are certain circumstances when life insurance may not pay out. Examples typically include:

• Suicide, if the policy owner ends their life within two years of purchasing a policy

• Death as a result of acts of war or terrorism

• If the policyholder’s beneficiaries murder them or play a role in the murder

• Death as a result of risky behavior or a profession that involves dangerous activities, like professional car racing or flying a private plane

Which Type of Life Insurance Is Right for Me?

So, now, how do you know what type of policy is best for you? Here’s some food for thought. People often choose term life insurance for one or more of these reasons:

• Finite timing: They expect to have saved up enough money or paid off debts by the time this policy expires and would therefore not need to have their income replaced. Or perhaps they believe their beneficiaries will be financially independent by the time the policy expires.

• Affordability: The policy is more affordable and, therefore, easier to fit within their budget.

Whole life policies typically have premiums that are up to 15 times the cost of term life, and some people may prefer to purchase term life — and then personally invest the difference between a term life premium and a whole life one.

That said, there are plenty of people who decide permanent life insurance is right for them. Here are some typical reasons:

• Long-lasting: This type of insurance is designed to be in force throughout the policy holder’s life, which provides a complete sense of security.

• Cash component: This insurance type has a cash value component, as well, which serves as a savings vehicle. The policy holder can borrow against the value at a predetermined interest rate.

• Possibility of “cashing out”: Some people may like having the ability to surrender their whole life policy during their lifetime and receive the cash value of it. Doing so, however, can have tax implications that can be discussed with a tax professional.

How Much Life Insurance Coverage Do You Need?

Everyone’s situation is unique when it comes to getting life insurance. You may have more kids than, say, your brother. He may have a bigger mortgage. One of you may be more concerned about eldercare costs for your parents down the road. There is no one number that says how much coverage is right for either one of you.

But there are helpful formulas that can help you figure out a sensible amount of coverage. One popular option is the DIME formula. The acronym stands for Debts, Income, Mortgage, and Education. Here’s how to use this formula.

Debts

Gather your debt information, from car loans to personal loans, and from student loans to credit card balances. Forecast out for the number of years you want coverage for. In other words, add up everything that’s owed outside of mortgages.

Income

Take the household’s annual income and multiply it by ten (if you are contemplating a 10-year term, that is). This will provide a ballpark estimate of what it would take to replace lost income during that period of time.

If the life insurance policy would be needed to provide financial support for more than ten years (perhaps because there are young children in the household), use a higher multiplier.

Mortgage

Home loans are usually the largest debt of a household, and often have the longest term. As part of calculating the amount of life insurance to take out, include the payoff on mortgages.

Doing so can help to prevent loved ones from taking on the burden of the house payment expenses and/or from potentially being foreclosed upon.

Education

If there are outstanding student loans, they can be incorporated into the life insurance amount. Also consider children who might have future tuition expenses at college, along with their housing costs, textbooks, and so forth.

When adding up debts, income, mortgage, and education (DIME), what is the total dollar amount? This can be a benchmark for the coverage amount of a life insurance policy. If you have any assets, such as a savings account, you can subtract that from the total dollar amount to get a more accurate picture of the possible financial need.
💡 Quick Tip: Term life insurance coverage can range from $100K to $8 million. As your life changes, you can increase or decrease your coverage.

How Much Does Life Insurance Cost?

Life insurance costs will vary tremendously since each person has their own special needs. You might want $300,000 in term life insurance for 20 years and pay one premium. Or maybe you’d prefer $3 million in permanent insurance. Of course, there will be a big difference in those premium payments!

Let’s look at a few scenarios so you have a ballpark idea of costs, but the best way to get prices that reflect your situation is by working with an agent or using a simple online calculator:

• For a 20-year term policy: For $250,000 of coverage, a 30-year old female would pay $142 a year; a male would pay $159, according to an analysis conducted by Forbes. For $500,000 of coverage, the same woman would pay $204, while a man would pay $246. If we scoot the benefit up to $1 million, the annual cost would be $320 for a woman and $399 for a man.

• For a 30-year term life policy: For $250,000 of coverage, a 30-year-old female would pay $198 a year; a male would pay $235. For $500,000 of coverage, the numbers would be $317 and $381; for $1 million, the annual premium would be $525 for a woman and $669 for a man.

• For permanent life insurance, the costs tend to be higher. One recent quote from Forbes saw that $500,000 of coverage in a 30-year term policy would cost approximately $357 a year for a 30-year-old man. A $500,000 whole life policy would cost $4,323 per year, or almost 6 times more.

Of course, there are huge variations in the price of policies. As you see from the above numbers, if you get term life insurance for a longer period, you’ll pay more than for a shorter period. Also, the more coverage you buy, the higher the premium.

Now, let’s look at a few of the factors that influence the cost:

• Age and gender: The older you are, the more expensive a life insurance policy will be, as health issues tend to crop up. Also, since women have a longer life expectancy than men, their rates are usually lower.

• Your health: Those in excellent health will pay less than those who, say, have high cholesterol or blood pressure and a family history of cancer.

• Lifestyle: This includes everything from whether or not you smoke, have a history of substance abuse, and have a clean driving record, to factors like whether your job or hobbies are deemed high-risk (for example, flying airplanes, scuba diving).

What Is the Process of Buying Life Insurance?

Here’s what to expect from the life insurance buying process:

• Once you decide what kind of policy you want and have an idea of the coverage amount, it’s a good idea to explore your options and get some free quotes. You can talk to a life insurance agent or do your own research online; there are many tools that put the information you want just a click or two away.

• Expect to be asked questions about your health, your family history, your hobbies, and your lifestyle as you shop and apply. This is an important step in figuring out your risk factors and life expectancy, which is used to set your rates.

• Once you’ve found a policy and insurer that you like, fill out that carrier’s application as completely as possible. The application will be reviewed as part of what’s called the underwriting process. The carrier will look at the application through the lens of potential risk. In other words, they will review the application to determine how risky it would be to issue a life insurance policy to that particular applicant — and then price it accordingly.

• For many policies, a medical exam is part of the process. Applicants are asked and should honestly answer about family health history, personal health and lifestyle, prescriptions being taken, surgeries performed, and so forth. A physical exam is often done. This can include a height and weight check, the taking of blood pressure, as well as urine and blood samples.

• After that, you have completed your application. For policies that involve a medical exam, it can take 6 to 8 weeks to be informed of your approval.

Choosing a Beneficiary

Once your application is approved, an important step will be choosing your beneficiary or beneficiaries. This is the person or people who would receive the death benefit if you pass away while covered by a life insurance policy. A few points to consider:

• You can name more than one person and determine the percentage of the death benefit each would receive.

• You can name contingent beneficiaries in case a beneficiary dies before the policyholder does.

• You don’t have to name a person as a beneficiary. You can also work with a lawyer to set up a trust and have the death benefit used as you determine.

• It’s wise to review and update your beneficiaries regularly once you have a life insurance policy. A new baby, a divorce, and other events can trigger you to alter your selections (changes can be made at any point).

Can a Beneficiary Make a Claim?

No one wants to think about death, but it’s a fact of life. It’s also the event that a life insurance policy is inextricably linked to; the death benefit is there to support loved ones after the policyholder passes away. So let’s spell out what would actually happen in this situation:

• Notification of death: The insurer will probably pay claims quickly, usually within a month or in as little as a week, but paperwork must be filed and the beneficiary may have to inform them of the death. The issuer of the policy may not know otherwise.

• Death certificate: The beneficiary must submit a certified copy of the death certificate, which the insurance company will keep.

• Make sure you have satisfied all claim requirements: When actually submitting your claim, have all the supporting documentation attached. This can include a claim form and death certificate.

That’s it! Also, here’s a good thing to know: You don’t need a copy of the insurance policy to file a claim, just the name of the insurance company and the fact that you are a beneficiary.

Making Policy Changes

Life insurance often is a part of your life for a very long time, decades and decades. Sometimes, people will want to change some aspects, such as the amount of the death benefit or the company that is providing the policy. Let’s look at how that works:

• Coverage amount: Let’s say you started with a $500,000 policy, but now, five years into it, want to double the coverage. Can you? The answer to this can vary by the insurance company. Some carriers provide flexibility in their policies that allow a policy holder to change the coverage amount. If considering a particular insurance company and this flexibility is important, ask that question before taking out the policy.

• Switching providers: Consider changing the policy first. You may be able to save time and money by amending or adding to your current policy instead of replacing it. Also, there can be surrender charges that you need to pay if you give up a permanent policy so you can sign on for a new one elsewhere.

What’s more, if you are switching policies after a number of years with one insurer, you are older now, and the rates will be higher. Swapping policies may not actually save you money. It’s often best to go through underwriting and get approved for the new policy first, see how the features and prices compare, and then decide whether or not to cancel the original policy and sign up for a new one.

• New policy waiting periods: If you are thinking of forging ahead with a change, note the waiting period. Most new policies have a waiting period before certain kinds of death benefits become effective. Consider this before replacing your old policy.

Life Insurance Riders

One way to make a change to your life insurance policy involves riders; think of these as add-ons that can help tailor your coverage to your evolving needs. Riders deliver additional benefits; yes, you’ll pay extra, but the amount is usually low because not much underwriting is required.

For instance, if you are the sole provider for your family, you might want to add an Accidental Death Rider, which would increase the amount of the death benefit if a fatal accident occurred. Or maybe you want to explore a Long-Term Care Rider, which would help pay expenses were you in need of nursing home or in-home care. Talk with an agent or explore options online to learn more.

Life Insurance Benefits

There are many benefits of life insurance, but perhaps one of the biggest is that it can offer loved ones a financial cushion in the event you die. That money can be used to cover a wide range of expenses, and it’s generally not taxed by the federal government. (Note that any interest you receive from the policy does need to be reported.)

If you purchase a whole life policy, it has a cash value that grows over time tax-deferred. You can cash it out at any time to help pay for a major expense or to borrow against it.

Reasons to Buy Life Insurance

Here are some common reasons why you may want to consider a life insurance policy.

• Life insurance helps replace your income if you die, which can be especially useful for any beneficiaries who depend on you financially.

• The death benefit your beneficiaries receive can be used to pay for your end-of-life expenses, debts, medical expenses, or estate-related expenses.

• Life insurance can be used to pay federal and state “death” taxes so your loved ones don’t have to shoulder the costs themselves.

• Life insurance can allow you to create an inheritance for your heirs, and the money is usually tax-free.

• You can make a significant gift to a beloved charity after you pass away by naming the organization the beneficiary of your life insurance.

How to Shop for Life Insurance

When you’re ready to look for a policy, you have a couple of places to start your research: online or talking with an agent who’s licensed by your state’s insurance department.

No matter which route you choose, you’ll likely find that the prices of life insurance policies will vary. Though it can take more time, getting multiple quotes can help you find the best deal for your needs and budget.

As you’re weighing your options, consider looking into the financial rating of each insurer. The Insurance Information Institute recommends going with “a company that is likely to be financially sound for many years, by using ratings from independent rating agencies.”

Life Insurance Alternatives

Although life insurance can provide loved ones with a financial safety net after you’re gone, you might be able to get a similar result with another type of vehicle. Here are some common alternatives to life insurance to consider exploring:

• Investments. Investing may be able to potentially grow your wealth, which you can leave behind to loved ones after you’re no longer here. Just remember that there’s a degree of risk involved with investing. Plus, proceeds may be subject to estate taxes and probate.

• Accidental death & dismemberment insurance (AD&D). Like the name suggests, AD&D is a type of supplemental life insurance that provides coverage to your beneficiaries if you’re killed or seriously injured in a type of accident that’s covered in the policy.

• Annuities. An annuity guarantees a certain amount of income each month during retirement. Here’s how it works: You pay into an annuity for a predetermined number of years. After that, the insurance company pays you back the money in monthly installments. Note that some annuities charge fees, and if you pass away prematurely, the value of the annuity might decrease.

The Takeaway

Life insurance can be a challenging topic to dig into. But take heart: Part of what makes it seem complex is that it’s designed to meet the needs of so many very different people. Whatever the specifics of your situation and lifestyle, there is probably a policy that can give you peace of mind.

By acquainting yourself with the basic concepts, terms, and processes, you’re now ready to go out and find a life insurance policy that will let you know your loved ones will be well-provided for if a worst-case scenario occurred (though we sure hope it doesn’t!).

SoFi has partnered with Ladder to offer competitive term life insurance policies that are quick to set up and easy to understand. Apply in just minutes and get an instant decision. As your circumstances change, you can update or cancel your policy with no fees and no hassles.

Explore your life insurance options with SoFi Protect.

FAQ

How is life insurance paid out?

Generally speaking, life insurance is paid out in a few different ways. It can be distributed as a lump sum, through a retained asset account, or by way of a life insurance annuity. Contact your insurer to find out which options are available.

Why is life insurance worth it?

Life insurance can provide the policyholder peace of mind that their loved ones are financially protected after they pass away.

How long do you have to pay life insurance before it pays out?

It depends on your plan. Some plans have a waiting period before coverage begins. If you die during that window, your beneficiaries only receive a refund on the premiums you’ve paid.

Can you use life insurance money for anything?

Yes. Once your beneficiaries receive the death benefit, they can generally use the money however they wish.

Coverage and pricing is subject to eligibility and underwriting criteria.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers- for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

Ladder, SoFi and SoFi Agency are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other, Social Finance. Inc. (SoFi) and Social Finance Life Insurance Agency, LLC (SoFi Agency) do not issue, underwrite insurance or pay claims under Ladder Life™ policies. SoFi is compensated by Ladder for each issued term life policy.

SoFi Agency and its affiliates do not guarantee the services of any insurance company.

All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, SoFi is not involved and has no control over the products or services involved. The Ladder service is limited to documents and does not provide legal advice. Individual circumstances are unique and using documents provided is not a substitute for obtaining legal advice.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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.

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.

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Source: sofi.com

Apache is functioning normally

January 11, 2024 by Brett Tams

Breaking away from tradition is a good thing.

In the ever-evolving world of interior design, trends and pop culture influences come and go, all leaving unique imprints on the aesthetic landscape of homes and spaces. Following the subtly modern look of midcentury modern design, the latter part of the 20th century witnessed the rise of postmodernism, a movement that revolutionized the way we approach and perceive interior spaces.

Postmodern interior design is a captivating blend of creativity, irreverence and a departure from the strict principles of previous design philosophies. In this article, we delve into postmodern design, exploring its defining features, highlights and the lively spirit that sets it apart from other styles.

The essence of postmodern interior design

Postmodernism, in its essence, is a departure from the strict principles and uniformity of modernism. Emerging in the latter half of the 20th century, as a reaction against the perceived rigidity of modern design, postmodernism celebrates diversity, eclecticism and a playful engagement with historical design elements. In the realm of interior design, this is better translated into a departure from the clean lines and minimalism of midcentury modernism. Postmodern interiors are a celebration of contrast, embracing a mix of styles, eras and cultural influences.

Postmodern design is a rebellion against the notion that there’s a single, correct way to design spaces. It challenges the idea that form should always follow function, as popularized by the midcentury. Instead, postmodern interiors embody a sense of freedom, allowing for a rich tapestry of styles, colors, textures and influences to coexist harmoniously.

Eye-catching wallpapers and playful patterns

One of the defining features of postmodern interior design is the vibrant and bold use of wallpapers. Unlike the muted tones and subtle patterns of midcentury modern interiors, postmodern spaces often feature eye-catching, bright wallpapers that serve as a statement piece in the room. These wallpapers can range from geometric patterns to combinations of natural and retro shades, injecting a sense of playfulness and personality into the space.

The use of playful patterns extends beyond wallpapers to upholstery, curtains and even flooring. Postmodern interiors revel in mixing and matching patterns, creating a dynamic visual experience that captures attention and adds a layer of complexity to room design. This departure from the monochromatic and restrained palettes of the past is a testament to postmodernism’s embrace of eclecticism and the rejection of design norms.

The wallpaper becomes not just a background but an integral part of the design style, setting the stage for the eclectic and lively atmosphere that defines postmodern interiors. It’s a departure from the notion that walls are neutral backdrops, inviting inhabitants and visitors alike to engage with the space on a visual and emotional level.

Artistic statements

While midcentury modern design often favored neutral color palettes and understated elegance, postmodern interiors take a vibrant approach with pops of bold colors, especially in seating arrangements. Sofas, chairs and ottomans become not just functional pieces but artistic statements in themselves. The use of bold and contrasting colors adds energy and vitality to the space, creating a lively atmosphere that encourages self-expression and creativity.

In postmodern interior design, seating goes beyond comfort and functionality; it becomes a means of expressing individuality and breaking away from the conventions of the past. This departure from the subdued color schemes of previous design movements reflects the postmodern belief that design should be personal, expressive and capable of challenging established norms.

The strategic placement of colorful seating becomes a visual language, telling a story of vibrancy and breaking away from the monotonous. It signifies a shift away from subdued hues, embracing vibrant and bold opaque colors.

Unique takes on classic design elements

One of the most intriguing postmodern design elements is its unconventional ideas and irreverent take on classic design elements from previous centuries. Instead of adhering strictly to historical styles, postmodernism borrows elements from various periods and playfully remixes them. This approach results in spaces that feel both familiar and futuristic, creating a sense of timelessness while challenging traditional notions of design.

For instance, postmodern interiors might feature classical columns alongside modern furniture, or a Baroque-inspired mirror complimented with contemporary art. This blending of styles and eras creates a dedication to design evolution, where the past is preserved as well as reinterpreted. It is a form of design rebellion that challenges the notion of the linear progression of styles and embraces a more fluid and dynamic approach to aesthetics.

Postmodernism redefines the relationship with history, treating it as a playground rather than a rulebook. Classic elements are utilized as building blocks for a new visual design language that is both familiar and refreshing.

The importance of individual expression

At the heart of postmodern interior design is the celebration of individual expression. Unlike the more formulaic nature of previous design movements, postmodernism encourages designers to embrace their unique tastes and preferences. This freedom is evident in the diverse range of materials, textures and colors used in postmodern interiors.

From sleek metals and glass to warm woods and plush fabrics, postmodern spaces thrive on the combination of materials, creating a rich sensory experience. This emphasis on individual expression extends to the inclusion of personal artifacts, vintage finds and quirky accessories that add a layer of character to the space. The result is a home that reflects personality and interests, telling a story of one’s life.

Individual expression is arguably the largest guiding principle in postmodern design, inviting people to curate their spaces with elements that resonate with them personally. The eclectic mix of materials and personal artifacts creates a narrative of the inhabitants’ journey, turning the home into a canvas that tells a story.

Postmodern pioneers

Influential designers in this movement embraced eclecticism, experimentation and a playful blend of styles. Michael Graves, a celebrated architect, and designer, is renowned for his postmodern contributions, infusing everyday objects with whimsical and symbolic elements. Ettore Sottsass, the visionary behind the Memphis Group, disrupted the design landscape with vibrant colors, bold patterns and unconventional shapes. Their innovative approaches continue to inspire, shaping the contemporary design landscape with a legacy that transcends the boundaries of time and tradition.

Postmodernism interior design: A celebration of individuality

In the wake of midcentury modernism, postmodern interior design emerged as a vibrant and eclectic movement that celebrated diversity, individual expression and a playful departure from design norms. With its bright wallpapers, pops of color in seating and irreverent takes on classic design elements, postmodernism transformed interiors into dynamic canvases of self-expression.

As we continue to explore and evolve in the realm of interior design, postmodernism stands as a testament to the power of creativity and the rejection of rigid design principles. It encourages us to embrace the unexpected, mix styles with confidence and create spaces that tell our unique stories. In a world where individuality is increasingly valued, postmodern interior design remains an inspiring chapter in the ongoing narrative of design evolution.

Whether you’re drawn to the bold patterns, vibrant colors or blends of styles, postmodern design invites you to break free from the ordinary and celebrate the diversity that makes each space, and each individual, truly unique. Still looking for the perfect place to style as a reflection of your personality? Find the perfect place in one of our available apartments and get decorating.

Source: rent.com

Apache is functioning normally

January 10, 2024 by Brett Tams

Are you longing for more beyond your current circumstances? To be more? To do more? To have more? Today’s guest, Dianna Kokoszka, helped countless Realtors become more while serving as the CEO of Keller Williams’ MAPS coaching program. And now, she’s striving to help more people, including listeners like you, reach their true potential. Listen and learn how Dianna took MAPS coaching from a program that was losing money to one that generated over $500 million per year by transforming real estate agents’ lives for the better. Dianna also shares several can’t-miss tips from her upcoming book, Becoming More: You Can’t Get to Better Until You Get to Different. Don’t miss it!

Listen to today’s show and learn:

Dianna Kokoszka’s first year in real estate: 104 homes sold [2:22]
The beginning of buyer’s agents [4:56]
How wrong things can go when you don’t watch your money [6:33]
Transforming KW MAPS Coaching into a $500 million business [8:42]
The power of the right mindset [9:52]
Advice on turning a failing business into a huge success [11:33]
Breaking out of your mental cage [15:00]
The difference between attitude and mindset [16:10]
The seven mindsets of limitation and the seven of liberation [17:22]
What dictates the decisions you make [19:38]
Bringing out the best in your people [23:51]
KW MAPS success stories [27:06]
The steps for scaling a real estate business [32:21]
Training your brain for success [37:21]
Learning from the leaders of thought [39:01]
What Blockbuster, RadioShack, and Sears taught us [40:43]
Get to better by getting to different [42:18]
Mentorship and adding value [42:35]
Where to find and follow Dianna Kokoszka [44:19]

Dianna Kokoszka

As CEO of Mega Achievement Productivity Systems (KW MAPS Coaching), Dianna Kokoszka was responsible for building the most powerful coaching and mastermind program in the industry. She led a team of more than 35 coaches, who provided coaching programs tailor-made to help their clients.

In 2009, Dianna created the BOLD (Business Objective: Life by Design) program, which instantly took hold and transformed the careers and beliefs about what was possible for thousands of real estate professionals.

Passionately committed to providing a high level of motivation and accountability to her clients, Dianna has over 30 years of real estate experience. Formerly as team leader of the Keller Williams Realty Denver-West Market Center, she pioneered documentation and accountability systems for real estate agents, helping others to draw upon her prior success as a mega agent.

Her entrepreneurial spirit and industry renown have resulted in many industry honors and awards, including the Stevie Award for the Best Sales Coaching Program; an appointment to the President of the United States’ Business Advisory Council; Denver Entrepreneur of the Year in 1984 and 1991; and Denver Businesswoman of the Year in
1986, 2003 and 2004.

Kokoszka’s tenacity and ingenious methods have not only brought her press coverage, they’ve brought her big business. She believes we are all creative, resourceful and whole. May we empower others to actively engage and participate in their own evolving transformations.

She is a founding member of the John Maxwell Team of Certified Coaches, an author of 19 system books for real estate offices, and loves to add value to others.

Dianna is the author to her new book Becoming More – published with the John Maxwell Publishing Company.

Despite her impressive achievements, Dianna believes that her greatest titles are wife, mother, and grandmother. She lives with her husband, Tony DiCello, on Lake Travis in Lakeway TX, where she loves to waterski or sit on the dock and read her Bible. She enjoys a good clean joke, traveling, reading, and spending her time with her 3 boys and 4
grandchildren.

Related Links and Resources:

It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.

-Aaron Amuchastegui

Source: realestaterockstarsnetwork.com

Apache is functioning normally

January 10, 2024 by Brett Tams

Inside: Looking for delicious, budget-friendly meals? Look no further! This guide has 100+ delicious and frugal recipes that will help you stick to your food budget.

When it comes to keeping your grocery budget in check, meal planning is a powerful tool. It can simplify your life, save you precious time, and stretch your dollars further.

You don’t always need pricey ingredients to whip up something delicious. Creating frugal meals doesn’t mean you have to compromise on flavor.

Sometimes, a frugal meal could mean something cheaper but equally, if not more, delicious than takeout! The key to this art is using simple, inexpensive ingredients, being creative in their application, and not shying away from condiments, herbs, and spices that can elevate your dish.

Remember, eating frugally is not just cost-effective but also simple and stress-free, utilizing common kitchen staples, and easy-to-locate items.

Join me on my mission to make frugal meals that are adored by my family and my thrifty self appreciates.

Frugal Breakfast Ideas:

A frugal breakfast should not equate to boring. Here are a few ways to start your day off right without stressing your wallet:

Waffles/Pancakes: These could be made with basic ingredients like flour, eggs, and baking powder. Top with peanut butter or dust of cinnamon sugar for extra flavor!

Eggs: Cooked to your preference, be it fried, boiled, or scrambled, they are not only easy on the pocket but also a rich source of protein.

Oatmeal: Buy oats in bulk and pair them with over-ripe bananas, pumpkin butter, or a sprinkle of brown sugar. It’s a hearty and filling for just about anyone.

Muffins: Basic muffin ingredients include flour, eggs, and baking powder. For an element of surprise, add in nuts, blueberries, or mashed bananas.

French Toast: With eggs, cinnamon, and loaves of French bread, you can whip up a scrumptious breakfast.

Homemade Bread/Toast: If you’re up to the task, making your own bread could be a money-saving option. This is something I do with sourdough bread. Pair the fresh bread with either sweet or savory toppings.

Omelets: Eggs are a cheap source of protein. Whip up an omelet and serve it with your choice of inexpensive veggies.

Homemade Biscuits: Biscuits are a great addition to any frugal breakfast, with just “milk” and flour ingredients. Pair them with a little meat or enjoy them in butter. Just like my great Aunt Marie made at the ranch.

Choose Spice for Breakfast: This recipe for Mexican baked eggs uses budget friendly canned beans and eggs as a protein source. It’s super simple to make in less than 30 minutes, with eggs baked in a smoky, spicy tomato sauce with black beans, poblanos, and corn. Serve with plenty of corn tortillas for a super satisfying meal.

Frugal Lunch Ideas:

Lunch should be something to look forward to, even if you’re on a tight budget. Here are frugal lunch ideas that keep your tummy and your wallet happy.

Salad: A salad is an excellent choice for a frugal lunch, it’s both cost-effective and healthy. Based on what’s available in your fridge, you can combine different vegetables, proteins, and dressings to create a filling and tasty meal every day.

Sandwiches: The humble sandwich can be as frugal or as lavish as you like. Tuna, grilled cheese, peanut butter, and jelly, ham… you name it, sandwiches offer a great variety.

Homemade Soup: Consider creamy potato soup, creamy vegetable soup, or even curried cauliflower soup. They can be light yet fulfilling, and the ingredients are reasonably priced.

Toast Pizza: Save money by using toast as your pizza base, add what you have in the fridge, top it off with cheese, and cook it under the grill or in the oven.

Baked Potatoes: A toasty baked potato with butter is a delightful, inexpensive lunch. Top it up with fillings such as cheese or broccoli.

Remember, lunch doesn’t have to be expensive to be delicious! Use what you have at home for a more sustainable, economical, and satisfying meal.

Frugal Dinner Ideas:

Dinner is the time when families come together, share their day, and unite over food. There’s a common misconception that frugal foods are bland and monotonous. However, you don’t have to spend a fortune to make dinner delicious and satisfying.

Spaghetti: Who knew that the ultimate comfort food could be so cheap? Combine spaghetti with homemade tomato sauce or cheese, add your favorite seasonings, and voila! You have a delicious meal.

Baked potatoes: Fully customizable and super simple to be a dinner game-changer. Top them with cheese, sour cream, or any other leftovers like chili!

Stir Fry: This is a perfect way to use up any veggies you have. Throw in some meat if you have it, cook with rice and tasty sauce, and your stir fry is ready!

Tacos: Pick up tortillas, get ground beef, or use dried beans, lettuce, and salsa, and there you have your Taco night. You can also swap out the beef for beans, and it’ll still taste delightful.

Breakfast for Dinner: Who said breakfast foods are only for mornings? Whip up scrambled eggs, toast, or pancakes, and enjoy a breakfast-style dinner!

Creating a delicious, nutritious, and frugal dinner can be easier than you might think. It’s all about making the most out of the resources you have, every day.

Recipe Breakdown : Variety Of Frugal Meals

Satisfying Soup & Salad Recipes on a Shoestring

When it comes to frugality, nothing beats the soup and salad combination. These meals are not only hearty and satisfying but also easy on your wallet. With just a few ingredients, these recipes will bring variety and nutrition to your kitchen without putting a strain on your wallet.

Here are a few of our favorite frugal soup and salad recipes:

The Best Chicken Soup Recipe: Simplicity meets flavor without breaking the bank. Utilizing affordable ingredients and leftover chicken, this soup is a testament to how economical choices can still yield rich, comforting results.
Cauliflower and Bacon Soup:
Instant Pot Three Sisters Soup: A blend of corn, beans, and squash.
Root Vegetable Soup: Healthy, comforting, and made with only a few simple and inexpensive ingredients! It’s prepared with veggies like carrots, parsnips, rutabaga, and potatoes simmered in a savory broth.
Healthy Roast Pumpkin and Sweet Potato Soup: Winter favorite loaded with nutrients.
Instant Pot Cabbage Roll Soup: Comfort food at its best.
Smoky Black Bean Soup: Protein packed, tasty, and hearty.
Hearty Lentil Soup: Healthy and will keep you warm during the winter! It’s made with only a few ingredients and requires no special equipment. This soup is made with lentils, veggies, and spices simmered in a savory tomato broth.
Vegan Coconut Curry Lentil Soup: Exotic, aromatic, and down-right delicious.
Instant Pot Split Pea Soup Recipe: Classic soup, ready in no time.
Vegetable Barley Soup: With protein-rich chickpeas, cabbage, potatoes, and the twist of curry spices, this soup is easy, comforting, and delicious!
The Very Best Ham And Potato Soup With Peas: Savory, delicious and economical.
Cheap and Easy Hamburger Soup: Mouthwatering and super easy to prepare.
Creamy Vegetarian Potato Soup: Originally named 45-Cent Potato Soup because that was how much it cost per serving over a decade ago! The cost has increased a bit but this hearty potato soup is still a keeper. Creamy potato soup with veggies and milk – thick, velvety, and hearty. It’s on constant rotation at our house!

Moreover, when it comes to salads, using seasonal produce, beans, or leftover veggies can be an affordable way to create nutritious meals. Add chicken, tuna, or boiled eggs for protein, or keep it simple with fresh greens and a homemade dressing.

Remember, a frugal lifestyle does not mean you have to compromise on taste or variety. It’s about being creative with what you have!

Cut Costs with these Cheap ‘n Cheerful Chicken Recipes

Dinner necessity is the mother of so many amazing chicken dinners! Plus it is an excellent protein option that can be inexpensive, especially if you seize sales or buy in bulk.

Maple Chicken & Potato Supper: This recipe turns an affordable cut of chicken and two types of potatoes into a family favorite.
One-Pot Chicken and Potatoes: Chicken thighs are cheap, add in potatoes, onions, and carrots for a hearty comfort meal.
Leftover Chicken Curry and Vegetables: Lots of recipes use leftover chicken or turkey. But this “All the Leftovers” Chicken Curry also uses your leftover vegetables. Clean out your refrigerator today!
Instant Pot Chicken Tortilla Soup: A quick, deliciously rich, and slightly spicy meal made up of chicken, black beans, and stewed tomatoes.
Crockpot Chicken Tacos: With just 3 ingredients and 5 minutes of prep, this is a lifesaver for busy nights.
Chicken Curry and Quinoa: Simple, tasty, and feels like a treat without the expense.
One Pan Baked Chicken Thigh Recipe with Green Beans and Red Potatoes: This recipe is easy and inexpensive when you grab the chicken thighs on sale! It is easy to prepare, a healthier option and a family favorite!
Cheesy Chicken Quesadillas: A perfect, weeknight meal.
Slow Cooker Chicken Thighs with Potatoes and Carrots: A value for money meal with chicken thighs – one of the cheapest chicken cuts.
One-Pan Chicken Legs with Chickpeas and Quinoa: A wholesome, naturally sweet dish with a few spices.
Easy Cheesy Chicken Taco Spaghetti: Made with pantry staples, this comforting dinner recipe is frugal and filling. Full of pasta, creamy sauce, and canned chicken, your family will be asking for seconds!
Chicken Fried Rice: Uses leftovers efficiently, add veggies, and you have a meal.
Easy Pizza Chicken Recipe: A low carb and high protein meal, especially when you use ordinary cheddar.

Remember, maximizing flavor in cheap chicken recipes often relies on using good quality, inexpensive ingredients, and cooking techniques like slow cooking or sautéing. Happy cooking!

Beautiful Beef Dishes that Benefit Your Wallet

When trying to maintain a frugal lifestyle, using affordable cuts of beef like ground beef, shin, or skirt steak can yield mouth-watering meals that don’t bust the budget. Here are a few beef recipes that are both economical and satisfying:

Ground Beef Stroganoff: A classic comfort food that is simple, quick, and incredibly hearty.
Poor Man’s Stew: An excellent choice for a filling, cheap, and tasty meal for a whole family.
Simple Hamburger Hotdish: This simple hamburger hotdish (casserole) makes delicious use of affordable and easy-to-find ingredients like ground beef, pasta, and tomato sauce. This is a great meal idea to feed a family.
Beef Skillet Nachos: Layer chips, ground beef, and cheese in a skillet for an easy, cost-effective meal.
Homemade Beef and Noodles: An economical-friendly classic that can serve a good number of people.
Tortellini Bake: This 4 ingredient Tortellini Bake uses common ingredients like ground beef and marinara sauce to make a satisfying and hearty meal for families!
Cheesy Ground Beef and Rice Casserole: Across the realms of deliciousness and frugality, this casserole rings the bell.
Beef and Tomato Macaroni Soup: Combining the wholesome elements of beef, macaroni, and tomatoes provides a satiating meal at an affordable cost.
Beef and Vegetable Stir Fry: Brimming with colorful vegetables and protein-rich beef, this dish is a delight to both the stomach and the wallet.
Taco Skillet: It’s the taste of tacos in a convenient and cost-friendly rice skillet.
Classic Stuffed Peppers: Filled with a mixture of ground beef, rice, and a zesty sauce, it’s a comfort meal that’s easy on the pocket.
Sesame-Ginger Beef: This dinner calls for an inexpensive cut of meat.

By creatively utilizing budget cuts and leftovers, you can create economical, hearty, and tasty beef dishes for yourself and your family, fostering a love for cooking while sticking to a money plan.

Money-saving Meatless Meal Marvels

When it comes to cost-saving, meatless or vegetarian dishes are a winner. Not only are they usually cost-effective, but they’re also often packed with nutrients. Here are meatless recipes that are sure to delight your taste buds, without denting your wallet:

Quinoa Edamame Salad with Peanut Sauce: Use cabbage and edamame to make a balanced lunch. The peanut sauce is flavor-packed and uses pantry staples, and the quinoa is easy to swap with rice or pasta.
Vegan Lentil Curry: Packed with nutrition, this dish makes an inexpensive, protein-rich meal.
Jamaican Rice and Peas: Economical rice and beans doesn’t need to be boring. Jamaican rice and peas are easy to make in the slow cooker. This flavorful, easy recipe brings delicious Caribbean flavor to any meal as a side dish or a complete meal on its own.
Spinach Lasagna Roll-Ups: Proof that vegetarian dinners can be delightfully hearty, this twist on classic lasagna is a crowd-pleaser.
Bean, Tomato, and Spinach Stew: A hearty and richly flavored dish that is low cost and satisfying.
Vegan Texas Tamale Pie: Great down-home, budget-friendly meal is perfect to whip up when you need something hearty, healthy, and filling to serve to your hungry family or friends in under an hour. Prepared with basic canned ingredients you might keep in your cupboard, this simple recipe can be easily adjusted to suit your tastes with the groceries you have on hand.
Stuffed Bell Peppers: Fill peppers with a delicious mixture of quinoa, black beans, tomatoes, and spices.
Eggplant Parmesan: Classic Italian dish, easy to make, and delicious to eat.
Pasta e Fagioli aka Pasta and Beans: Feed your family for pennies a bowl with pasta e fagioli. Cucina povera Italian food is the food of peasants, but it is so delicious! Only three inexpensive ingredients are needed to make this quick and easy, nutritious, one pot weeknight meal.
Potato & Zucchini Frittata: Use up your leftover veggies and whip up a quick frittata for dinner.
Tomato Basil Soup with Grilled Cheese: A classic that’s both inexpensive and palate-pleasing.
Vegetarian Stir-Fry: A colorful medley of veggies stir-fried in a savory sauce served over rice.
Spaghetti aglio e olio: This spaghetti aglio olio (with garlic and olive oil) is probably one of the most popular classic Italian pasta recipes and yet it’s so simple, budget friendly and super easy to make!
Butternut Squash Risotto: This dish, while sounding fancy, is frugal and straightforward to make.
Vegan Spaghetti Bolognese: This is a rich, hearty, and flavorful dish that’s lighter on the wallet than traditional bolognese.
Crispy Pan Fried Gnocchi: A simple and quick & inexpensive recipe to make in only 20 minutes for an easy weeknight meal. Crispy gnocchi coated in a light sauce made with garlic, herbs, butter and parmesan.

Implementing meatless meals can significantly cut down on grocery bills, with the added bonus of being healthier and environmentally friendly.

So why not give these recipes a try for your next frugal feast?

Luscious Low-Budget Lunch Ideas

The midday meal can often be overlooked when planning budget-friendly meals. Don’t let lunch blow your allowance! Here are a few low-cost, lip-smacking lunch ideas:

Bean Burritos: Beans and cheese wrapped in a tortilla can be quite satisfying and light on the pocket too.
Tuna Salad Sandwiches: A classic frugal lunch option that’s rich in protein.
Egg Salad Wraps: Egg salad in a wrap is a fulfilling lunch that’s economical.
Homemade Hummus and Veggies: Prepare hummus at home and pair it with fresh veggies for a light and inexpensive lunch.
Mixed Bean Salad: Beans are a powerhouse of nutrition and offer a low-cost lunch option. Mix different beans and dress them up with herbs and spices for a flavorful lunch.
Veggie and Cheese Stuffed Potatoes: A cheesy baked potato with veggies is filling and affordable.
PB&J: Peanut butter and jelly never go out of style and are a great low-cost lunch option.
Tuna Tomato Pasta: Tuna tomato pasta is a delicious healthy and easy recipe that only takes 20 minutes to make. With just a few basic ingredients it’s budget friendly too!
Falafel Wraps: Homemade falafel is quite reasonable and can be wrapped up with pita and fresh veggies for a satisfying meal.
Pasta Salad: Cold pasta salad with veggies is a cheap and filling lunch idea.
Vegetable Fried Rice: Leftover rice, mixed with whatever veggies you have on hand, makes for a delectable and affordable lunch.

When your lunch is as tasty as it is affordable, you’re winning at the game of frugality. Enjoy these luscious lunch ideas without breaking the bank!

Delightful Dinner Recipes That Don’t Dig A Hole In Your Pocket

Dinner is the meal you eagerly look forward to after a long day. Unfortunately, it can also be the priciest meal of the day. But it doesn’t have to be! Here are delightful, cost-effective dinner recipes:

Sloppy Joe Pasta: A homemade mix of pantry staples for a mouth-wateringly filling, budget-friendly twist on the classic Sloppy Joe.
Easy Chilaquiles: Fresh made tortilla chips smothered in homemade salsa, chilaquiles are the best way to make a flavor-packed meal on a budget!
Cottage Pie: Make a delicious cottage pie in the instant pot pressure cooker from scratch. Ideal for using up leftovers and easy to make!
Chicken Pot Pie: Homemade and padded out with cheap, seasonal veggies, it’s a classic favorite, perfect for a weeknight dinner.
Mince & Potato Stew: Heartwarming, flavorful dish that’s easy to make and easier on the pocket.
Linguine with Clam Sauce: Using canned or jarred clams, this linguine dish is made from simple pantry ingredients that won’t break the bank. Dive into a dinner of delicious choice for yumminess.
One Pot Sausage, White Beans, and Kale: It combines flavorful sausage, rich canned tomatoes, white beans, fresh kale, and a few herbs and spices – a cupboard-friendly, inexpensive dinner option.
Tacos: They’re versatile, they’re delicious, and most importantly, they’re cheap.
Potato and Salmon Fish Cakes: Canned salmon and potatoes create a delicious, inexpensive dinner the family will love. They are super easy to make and you can freeze them, too. Even those who dislike salmon enjoy these fish cakes!
Asian-Style Chicken Noodles: This recipe uses leftover chicken and packs a lot of flavors without a lot of cost.
Pasta Arrabbiata: This inexpensive pasta dish is full of garlic, tomatoes, and spicy red pepper flakes. Simple, yet incredibly delicious.
Garlicky Spinach and White Bean Pasta: This recipe is packed with flavor thanks to a surprise, budget-friendly ingredient – tinned anchovies! Simply toss cooked pasta with spinach, white beans, and a garlicky anchovy sauce. It’s easy to throw together for a satisfying weeknight dinner.
Egg Fried Rice: It’s a quick, healthy meal that anyone can cook.
Leftover Pasta Bake: Don’t waste food! Turn your leftovers into a treat with our leftover pasta bake!
Vegetable Stir Fry with Noodles: A quick, healthy dinner full of veggies and flavor.

Low-cost does not mean low taste. These dinner recipes prove just that. So get cooking and start saving!

Put it in Pot and Forget It – Cheap and Easy Crockpot Creations

Using a crockpot or slow cooker can be a real lifesaver for busy individuals or families. Not only does it save time but it’s also a great way to save money by making inexpensive cuts of meat tender and flavorful.

Slow Cooker Spicy Chicken Soup: A simple 4 ingredient recipe that’s inexpensive yet tastes amazing.
Slow Cooker Sausage and Peppers: Slowly simmered in marinara sauce for a frugal dinner that’s hard to beat! Just serve over pasta or polenta for an easy dinner. Plus, the leftovers are just as delicious for lunches.
Crockpot Beef and Broccoli: The economical version of your favorite takeout dish.
Slow Cooker Black Bean Soup: Inexpensive, full of flavor, and so hearty!
Creamy Crockpot Chicken: Warm shredded chicken and gravy in your slow cooker for the win.
Crockpot Baked Beans: Cheaper and healthier than store-bought!
Crockpot BBQ Chicken: Sweet, tangy, and made with a handful of pantry staples.
Crockpot Lentil Soup: Super hearty, packed with nutrients, and so easy to whip up!
Slow Cooker Pot Roast: The easiest one pot meal and is an instant win for family dinner! Plus, it’s budget-friendly! Easy to prepare for weeknight meals or special occasions alike, this easy pot roast recipe is always a crowd-pleaser!
Slow Cooker Salsa Chicken: Just two ingredients are required for this super versatile recipe.
Crockpot Vegetable Beef Soup: Healthy, hearty, and incredibly easy to make.
Chicken Paprikas Recipe: Use chicken thighs and cauliflower which make it a super frugal meal. If you prefer you can serve it over rice instead of the cauliflower but even her kids agree that the cauliflower version is delicious.
Slow Cooker Mac and Cheese: Yes, even mac and cheese can be done in a crockpot! Even better try this Broccoli Mac Kielbasa Casserole.
Crockpot Ham and Bean Soup: This recipe uses inexpensive and filling beans and veggies, perfect for when you’ve leftover ham.
Slow Cooker Vegan Chili: A vegan twist on this classic comfort food for those chilly days ahead makes for a healthy dinner packed with nutrients brimming with flavor!

Each of these meals will serve you without making a significant dent in your grocery budget. Enjoy the convenience and frugality that slow cooking brings!

Make It Snappy With Instant Pot Recipes

The Instant Pot is a versatile kitchen appliance that’s excellent for fast, delicious meals when you’re on a budget.

Instant Pot Ground Beef Enchilada Pasta: This easy dish combines a few affordable ingredients into a hearty meal that your family will love.
BBQ Beans Instant Pot Recipe: A frugal recipe that’s great as a main dish or a filler for burritos.
Easy Pizza Potatoes in the Instant Pot: A simple pairing of pizza flavors and potatoes for a wallet-friendly dish.
Air Fryer Pita Bread Pizza: Only 5 minutes and a handful of low-cost ingredients to a delicious DIY pizza.
Sweet Potato, Lentil and Chickpea Curry: This vegan instant pot recipe is full of flavor, super hearty and delicious, and extremely reasonable to make.
Mushroom Masala- Mushroom Curry: An exotic and easy-to-prepare mushroom curry that satisfies without stretching the dollars.
Chicken and Sausage Paella in the Instant Pot: Cut down cost by using sausage and chicken thighs for this easy, savory dish.
Instant Pot Tuna Casserole: Comfort on the cheap, using pantry staples.
Fast and Easy Instant Pot Chicken and Rice: Made using basic pantry staples and suitable for both adult and kid taste buds.

These Instant Pot ideas are not only quick and easy to prepare but also budget-friendly. They’re proof that frugal doesn’t mean boring!

Handy Kitchen Tools for Budget-Savvy Cooking

When it comes to frugal cooking, your kitchen gadgets can be your best companions. These tools can save you both time and produce restaurant-quality dishes at home for a fraction of the cost.

Many are the same as frugal home must haves!

Only rely on tools that you use regularly in order to maximize their cost. So, equip your kitchen with these practical, cost-effective tools, and enjoy a more manageable culinary journey.

FAQs: Navigate Your Approach to Cost-Efficient Eats

Eating lunch at work doesn’t have to mean spending a fortune, following these tricks can save you a lot of money:

Meal prep: Plan your meals ahead of time. Invest in a few hours during the weekend or your day off to cook large amounts and portion them out for the week ahead.
Leftovers Are Your Best Friend: Make a bit extra while cooking dinner, and voila, you’ve got lunch for the next day. A yummy, cheap, no-fuss, and no-waste solution!
Pack Your Own Snacks: Trade small shop-bought packs of snacks for a large bag or bulk-buy from a wholesale store. Divide them into small reusable containers for your daily hunger itch.
Invest in a Flask: A good quality thermos flask can keep your homemade soup or stew warm until lunchtime and it’s a lot cheaper than buying soup from a cafe.

Remember, the key is not to take complicated dinners which takes a lot of time. Rather, simple sandwiches, yogurt with fruits, homemade soup even boiled eggs can make great inexpensive lunch options. Planning ahead is key when you’re trying to eat on a budget.

There are several cheap meals you can whip up using budget-friendly ingredients. The absolute cheapest would depend on what you already have on hand in your pantry or the cost of ingredients in your locality.

Rice & Beans: This is a universally cheap and filling meal that can be flavored with some stock, onions, and spices.
Pasta with Tomato Sauce: This is a popular choice when it comes to cheap ideas. All it takes is a rigatoni of your choice, a basic tomato sauce made from canned tomatoes, garlic, and herbs.
Cereal & Milk: A bowl of generic brand cereal and milk is an incredibly cheap meal. It lacks in terms of proteins and fats, but it can be a good quick fix.
Eggs on Toast: Eggs and bread are both cheap elements. Whip up scrambled eggs or make a simple boiled egg sandwich.
Potato Soup: One of the cheapest vegetables around, and they make a filling, simple potato soup.
Homemade Pizza: Using basic homemade dough and simple tomato sauce, you can add anything you have on hand to make a delicious pizza.

Remember, the cheapest dinners typically use basic pantry staples. By having a well-stocked pantry, you’ll be able to whip up a variety of low-cost dinner ideas.

A frugal meal doesn’t equate to scanty or tasteless. Here’s what defines a frugal meal:

Inexpensive Ingredients: Frugal meals predominantly use cheaper ingredients. Find plenty of cheap foods when broke (and you don’t need to be broke).
Fewer Ingredients: Meals with minimal ingredients are typically more economical. They aren’t stuffed with fancy extras, but they make up for it in hearty flavor.
Uses Pantry Staples: Rely on pantry staples like rice, dried pasta, canned goods, and dry baking ingredients.
Repurposes Leftovers: Instead of wasting ingredients incorporate leftovers in innovative ways.
Meal Prep and Batch Cooking: Cooking in bulk and freezing dinners for later can be a massive money saver, reducing waste and reducing the number of ingredients needed overall.
Limited Meat or Vegetarian: As meat is typically one of the more expensive ingredients, frugal cooking is often vegetarian or uses meat sparingly.

While frugal meals won’t always hit all these factors, if they contain a few of these aspects, you can be assured they will provide a cost-effective dining experience. A frugal meal strives to offer nutritional balance, satisfying taste, and minimal impact on your wallet.

Perfecting the Art of Frugal Cooking

Preparing budget-friendly cooking not only saves money but also reduces food waste and can create a warm, comfortable home. This is how to be frugal with food. Here are some expert tips to get you rolling:

Plan Your Meal Calendar: Plan out your menu for the week, keeping in mind what ingredients you already have.
Shop Smart: Shop for groceries with a list in hand so you don’t end up buying unnecessary items. Look out for sales, and discounts, and try to shop in bulk.
Utilize Leftovers: Don’t throw away leftovers. Repurpose them into a new meal or use them as an ingredient in another dish.
Use More Vegetables and Grains: Vegetables and grains are generally cheaper than meat and can be used to bulk out dinners.
Freeze Extras: If you cook in bulk, freeze the extra portions for a later date. This can act as a lifesaver during busy periods.
Use Cheap Cuts of Meat: Cheap cuts, such as chicken thighs, can be just as delicious as expensive ones, especially when slow-cooked.
Cook from Scratch: Convenience foods often cost a lot more than the sum of their parts.
Grow Your Own: If you have a garden, consider growing your own vegetables and herbs.
Reduce Waste: Get creative in the kitchen and use parts of food that you’d otherwise throw away.

Remember, with a bit of planning and creativity, you can prepare delicious, healthful meals without breaking the bank! It’s all about making smart choices.

Which Filling Cheap Meals are You Going to Try?

Embarking on these frugal meals can help stretch the budget while still enjoying a variety of flavorful and satisfying dishes.

Whether you are budgeting on a low income or just want to stretch your dollar further with going teens, we have given you plenty of options to eat well and healthy.

Many on this list are my personal favorites. This is how we stay on our grocery budget.

The biggest step is learning how to meal plan and stick to the menu! Now, off to move frugal living tips to save money!

Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Source: moneybliss.org

Apache is functioning normally

January 10, 2024 by Brett Tams

Discover the transformative power of wallpapers for walls. Explore a diverse range of patterns, colors, and textures to redefine your living or working space.

This collection caters to every taste, providing options for easy installation, removal and repositioning. Elevate your interior design with these versatile and stylish wall coverings. The application is a breeze—simply peel and stick on any smooth, clean, and dry surface. Grid Lines on the back ensure easy measurement and cutting. Plus, it leaves no sticky mess when removed or repositioned.

List of best-selling wallpapers for walls online

Name	Amazon Rating	Amazon Price
Wolpin Wall Sticker – Textured Butterfly Leave	4.0 / 5	Explore now
Wolpin Wallpaper Stripe Living Room – Decal Silver	3.7 / 5	Explore now
Wolpin Wall Stickers DIY Wallpaper Pink Damask	4.1 / 5	Explore now
Wolpin Wall Stickers Textured Embossed	3.9 / 5	Explore now
Wolpin Wallpaper 3D Stone DIY	4.0 / 5	Explore now
Wolpin Wall Stickers DIY 3D Brick Ivy Vine	4.2 / 5	Explore now
Wolpin DIY Wallpaper Decal 3D Brick	4.1 / 5	Explore now
Wolpin Wall Stickers DIY Black Damask Luxury	4.1 / 5	Explore now
Wolpin DIY Wallpaper Floral Damask	4.1 / 5	Explore now
Wolpin Wall Stickers Floral Damask	4.1 / 5	Explore now
Wolpin Wallpaper DIY 3D Frames PVC	4.1 / 5	Explore now
Wolpin Wood Wallpaper	4.0 / 5	Explore now

Read more about other Home & Decor products on the Top Trending Products page. Read further for wallpapers for walls.

1. Wolpin Wall Sticker – Textured Butterfly Leave

Use Wolpin’s Textured Butterfly Leaves Wallpaper to liven up your interiors. This self-adhesive wonder is ideal for kitchens, living rooms, bedrooms, and other spaces as it brings a little bit of nature indoors. The wallpaper is not only aesthetically pleasing but also heat-resistant, waterproof, and made of premium PVC vinyl. Big rolls (45 x 300 cm) provide you plenty of coverage; a 10 ft by 10 ft wall only needs 7 rolls.

Color options – 1
Material – Polyvinyl Chloride, Vinyl
Size options – 45 x 300 cm, 45 x 600 cm

Buy Wolpin Wall Sticker – Textured Butterfly Leave

2. Wolpin Wallpaper Stripe Living Room – Decal Silver

Wolpin’s Home Renovation Stripe Wallpaper will bring life back into your living areas. This self-adhesive marvel works well in a variety of spaces, including offices, kitchens, and living rooms. The wallpaper is not only aesthetically pleasing but also heat-resistant, waterproof, and made of high-quality PVC vinyl. Extra-large 45 x 500 cm rolls provide a lot of covering; a 10 ft by 10 foot wall only needs 5 rolls.

Color options – 1
Material – Vinyl
Size options – 45 x 500 cm, 45 x 1000 cm, 45

Buy Wolpin Wallpaper Stripe Living Room – Decal Silver

3. Wolpin Wall Stickers DIY Wallpaper Pink Damask

The Pink Damask Self-Adhesive Wallpaper from Wolpin will completely change your house. This wallpaper, which is made of high-quality PVC vinyl, is a great option for improving the walls of bedrooms, living rooms, kitchens, and other spaces. Furniture, counters, and even tiles get a sophisticated touch from the pink floral damask pattern.Five rolls, each measuring 45 x 500 cm, will suffice to cover a wall measuring 10 feet by 10 feet. In addition to being elegant, this decorative contact paper is heat-resistant, waterproof and detachable.

Color options – 1
Material– Polyvinyl Chloride, Vinyl
Size options – 45 x 500 cm, 45 x 1000 cm

Buy Wolpin Wall Stickers DIY Wallpaper Pink Damask

4. Wolpin Wall Stickers Textured Embossed

Wolpin’s Gold Damask Self-Adhesive Wallpaper will breathe new life into your house. With its embossed damask floral pattern, this decorative PVC wallpaper is a great option for a kitchen, living room, bedroom, and more. With ease, give tiles, cabinets, and furniture a textured, elegant appearance. A wall of ten feet by ten feet will require seven rolls, each measuring 45 x 300 cm.

Color options – 3
Material – Polyvinyl Chloride
Size options – 45 x 300 cm, 45 x 600 cm, 45 x 1000 cm

Buy Wolpin Wall Stickers Textured Embossed

5. Wolpin Wallpaper 3D Stone DIY

With the 3D Stone Self-Adhesive Wallpaper from Wolpin, you can easily update your house. This natural stone-colored PVC vinyl wallpaper gives a sophisticated touch to any space. This wallpaper beautifully combines modern design with natural elements, making it ideal for use in bedrooms, living rooms, kitchens, and other spaces. A wall of ten feet by ten feet needs six rolls, each measuring 45 x 300 cm. With its removable, waterproof, and heat-resistant 3D stone wallpaper, Wolpin guarantees the safety of your walls. With the help of gridlines for simple cutting and measurement, just peel and stick on any smooth, clean, and dry surface.

Color options – 1
Material – Vinyl (PVC)
Size options – 45 x 300 cm, 45 x 1000 cm

Buy Wolpin Wallpaper 3D Stone DIY

6. Wolpin Wall Stickers DIY 3D Brick Ivy Vine

Wolpin’s 3D Brick Vine Self-Adhesive Wallpaper will enhance the look of your home decor.A wall of ten feet by ten feet needs five rolls, each measuring 45 x 500 cm. Made from premium PVC vinyl, this wallpaper is heat-resistant, waterproof, reusable, and environmentally friendly. Your interiors will look more sophisticated with the white vine motif. Straightforward cutting and measuring are made easier by the gridlines on the back. Wolpin guarantees easy removal or reuse without leaving behind tacky residue.

Color options – 2
Material – Vinyl (PVC)
Size options – 45 x 500 cm, 45 x 1000 cm

Buy Wolpin Wall Stickers DIY 3D Brick Ivy Vine

7. Wolpin DIY Wallpaper Decal 3D Brick

Upgrade the look of your house or place of business with Wolpin’s Smokin Red 3D Brick Self-Adhesive Wallpaper. Suitable for several areas such as living rooms, kitchens, bedrooms, and more, this wallpaper adds a striking and lively element to any home. Five rolls, each measuring 45 x 500 cm, are required to cover a wall measuring 10 feet by 10 feet. Made from premium PVC vinyl, this wallpaper is heat-resistant, waterproof, reusable, and environmentally friendly. Your interiors will have more life and character with the smokin’ red color. Applying is simple—just peel and attach to any dry, clean and flat surface.

Color options – 4
Material – Vinyl (PVC)
Size options – 45 x 500 cm, 45 x 1000 cm

Buy Wolpin DIY Wallpaper Decal 3D Brick

8. Wolpin Wall Stickers DIY Black Damask Luxury

Wolpin’s Black Damask Luxury Self-Adhesive Wallpaper will improve the visual appeal of your living areas. This elegant damask floral pattern is ideal for bedrooms, living rooms, kitchens, and other spaces as it lends refinement to walls. A wall of ten feet by ten feet needs five rolls, each measuring 45 x 500 cm. This wallpaper is made of premium PVC vinyl and is not only reusable but also heat-resistant, waterproof and environmentally friendly.

Color options – 1
Material – Vinyl
Size options – 45 x 500 cm, 45 x 1000 cm

Buy Wolpin Wall Stickers DIY Black Damask Luxury

9. Wolpin DIY Wallpaper Floral Damask

The luxurious beauty of Wolpin’s Floral Damask Self-Adhesive Wallpaper will transform your room. This elegant damask floral pattern is perfect for bedrooms, living rooms, kitchens, and more. It gives walls a sophisticated touch. Five rolls, each measuring 45 x 500 cm, are required to cover a wall measuring 10 feet by 10 feet. This wallpaper is made of premium PVC vinyl and is not only reusable but also heat-resistant, waterproof, and environmentally friendly.

Color options – 2
Material – Vinyl
Size options – 45 x 500 cm, 45 x 1000 cm

Buy Wolpin DIY Wallpaper Floral Damask

10. Wolpin Wall Stickers Floral Damask

The classic appeal of Wolpin’s Mustard Yellow Damask Self-Adhesive Wallpaper will elevate your living areas. Kitchens, living rooms, bedrooms, and other spaces are made more ambiance-enhancing by this lovely damask floral pattern. Five rolls, each measuring 45 by 500 cm, are enough to cover a wall that is 10 feet by 10 feet. The wallpaper is made of high-quality PVC vinyl and is not only reusable but also heat-resistant, waterproof, and environmentally friendly. Applying is simple—just peel and apply to any dry, clean, and smooth surface.

Color options – 2
Material – Vinyl
Size options – 45 x 500 cm, 45 x 1000 cm

Buy Wolpin Wall Stickers Floral Damask

11. Wolpin Wallpaper DIY 3D Frames PVC

Wolpin’s Active Blue 3D Frames Self-Adhesive Wallpaper is a multipurpose option that can be used to transform living areas such as kitchens, living rooms, and bedrooms. Five rolls, each measuring 45 x 500 cm, are enough to cover a wall that is 10 feet by 10 feet. This wallpaper is made from high-quality PVC vinyl and is waterproof, heat-resistant, and environmentally friendly. Applying is simple—just peel and apply to any dry, clean, and smooth surface. Easy cutting and measuring are ensured by the grid lines on the back. Wolpin ensures simple removal or reusing without producing gooey residue.

Color options – 5
Material – Polyvinyl Chloride
Size options – 45 x 500 cm, 45 x 1000 cm, 45 x 2000 cm

Buy Wolpin Wallpaper DIY 3D Frames PVC

12. Wolpin Wood Wallpaper

Wolpin’s Mahogany Brown Wood Self-Adhesive Wallpaper will revitalize your living areas; it’s the ideal replacement for cabinets, refrigerators, furniture, and more. Seven rolls, each measuring 45 x 300 cm, are enough to cover a wall that is 10 feet by 10 feet. Made from premium PVC vinyl, this wallpaper is heat-resistant, waterproof, reusable, and environmentally friendly. Wolpin’s Mahogany Brown Wood Wallpaper will elevate your décor and infuse your house with a sense of warmth and refinement.

Color options – 3
Material – Polyvinyl Chloride
Size options – 45 x 300 cm, 45 x 600 cm, 45 x 1200 cm

Buy Wolpin Wood Wallpaper

FAQs about wallpapers for wall

Q1. Are wallpapers suitable for all wall types?

Ans. Wallpapers can be applied to various surfaces, including drywall and plaster. However, it’s essential to ensure the wall is smooth, clean, and prepared according to the wallpaper manufacturer’s recommendations.

Q2. Can wallpapers be used in high-moisture areas like bathrooms?

Ans. Moisture-resistant wallpapers are suitable for bathrooms. However, direct water exposure should be avoided. Vinyl or washable wallpapers are recommended for better durability in humid conditions.

Q3. How do I clean and maintain wallpapered walls?

Ans. Cleaning methods vary based on the wallpaper type. Most wallpapers can be lightly dusted or wiped with a damp cloth. Always follow the specific cleaning instructions provided by the manufacturer.

Disclaimer : The above content is non-editorial and produced by a third party advertiser. Times Internet Limited/ Economic Times does not guarantee, vouch for or endorse any of the content or its genuineness. The product prices mentioned in the article are subject to change including depending upon offers given by Amazon.

Source: m.economictimes.com

Apache is functioning normally

January 9, 2024 by Brett Tams

Do you have books gathering dust in your basement or on your shelf? If so, you can make some extra cash by learning how to sell used books. The amount of money you can make selling used books varies. Typically, college textbooks pay the most and you may be able to make around $100 per…

Do you have books gathering dust in your basement or on your shelf? If so, you can make some extra cash by learning how to sell used books.

The amount of money you can make selling used books varies. Typically, college textbooks pay the most and you may be able to make around $100 per textbook sold.

You can sell many other types of books as well, such as chapter books, children’s books, romance novels, and more.

An easy way to find out how much your used books are worth is by using Book Scouter. With Book Scouter, all you need to do is enter the ISBN and they will tell you how much you can possibly get for the used book.

We have sold books plenty of times over the years, as well as have bought used books. It’s a great way to make extra money!

17 Best Places To Sell Used Books

Below are the best places and sites to sell used books.

1. Decluttr

Decluttr is a platform that lets you sell items like books, clothes, electronics, and more.

To get started selling books on Decluttr, you need to create an account on the website. Next, click the ” Start Selling” button and enter the ISBN or barcode of the book you want to sell. Once you do this, Decluttr will give an instant valuation based on the condition and demand of the book.

Once an offer is accepted, you’ll receive a confirmation email with a prepaid shipping label. Print the label and put it on a box and pack your books in the box. When Decluttr receives your items, you’ll receive payment either through direct deposit or PayPal.

2. AbeBooks

AbeBooks is a popular online platform for selling new and used books, along with art and collectibles. You can sell rare books (such as a first edition book), textbooks, maps, comics, and paper collectibles on AbeBooks.

To get started selling on AbeBooks, create an account under “Start Selling”. Once your account is set up, you can start listing books. You will need the ISBN, condition, title, author, and price of the book you’re selling.

When a buyer purchases one of your books, AbeBooks notifies you. Then, you’ll pack the book securely and ship it straight to the buyer.

3. Amazon

Amazon is a popular site to sell used books online.

To get started selling books on Amazon, create an Amazon Seller account. Click “Sign Up” and fill out the information needed like payment and bank account details for receiving payment. Now you can list your books by finding the “Inventory” tab and selecting “Add A Product”. Enter the ISBN code to find your book and provide details about the book’s condition, price, and shipping options.

Once a book is sold, Amazon notifies you and you can begin the shipping process.

Recommended reading: 16 Best Ways To Get Paid To Read Books

4. Barnes and Noble

Barnes and Noble has a Textbook Buyback program where they buy certain textbooks for a fair price. This is a great program if you have textbooks you’re no longer using and want to make some money.

To get started with the Barnes and Noble Textbook Buyback program, locate the ISBN number on the back of your textbook and enter the number. You must have $10 worth of books to sell in order to participate in the book buyback program. Once you’ve entered your ISBN number, you will receive a quote from Barnes and Noble, and from there you can accept the quote and submit the book return.

5. Craigslist

Selling used books on Craigslist is an easy and quick method to get rid of books. First, you’ll need to create a Craigslist account and choose your location. Create a new listing and select the books category. Fill out details for the book including clear pictures of the book, condition of the book, and other relevant information (hardcover, paperback, ripped pages, etc.)

With Craigslist, it’s important to coordinate a safe place for the exchange and some sellers choose places like libraries, police station parking lots, or coffee shops.

6. eBay

eBay is a great place to sell used books due to its wide customer base and trust in the marketplace. You have the flexibility to set your own pricing on eBay and creating listings on the site is incredibly easy. If you have rare books, you can even set up an auction for bids, which can sometimes result in higher prices.

To sell books on eBay, you must have an eBay account. You can start listing your books under “Sell” link at the top of eBay’s website. You pay a final value fee whenever your item sells.

7. Valore

Valore is a platform specifically for selling and purchasing textbooks. The Valore platform is user-friendly and easy to use. All you need to do is enter the ISBN of the textbook and you’ll receive an instant quote, and Valore covers shipping the textbook to their warehouse and pays out via check or PayPal.

Keep in mind, that selling textbooks to platforms like Valore may end up making you more money than selling your textbooks to a local college bookstore. Campus bookstores are notorious for paying low prices for textbooks and campus stores are limited to how many textbooks they can purchase.

8. Sellbackyourbook.com

Sellbackyourbook.com is a website where you can sell used books online for cash. This site specializes in purchasing textbooks.

To sell your textbooks, all you have to do is enter your book’s ISBNs to receive instant price quotes for your books. You also need to provide shipping information and print a shipping label from the website. You do not have to pay for shipping.

You’re responsible for packing and shipping the books to the designated address. Once the textbooks are received and the condition is verified, you’ll receive payment either by check or PayPal.

9. Half Price Books

Half Price Books is an in-person store where you can sell your books in person for cash or store credit. The staff at Half Price Books assesses the condition of the books you’re selling and the demand for the book, and gives you a price based on those factors.

Besides books, Half Price Books also buys music, movies, collectibles, comics, magazines, games, and electronics. When selling items at Half Price Books, you need to have a government-issued ID with you and be at least 18 years of age. If you’re under 18 years old, a parent/guardian must be with you.

10. Powell’s Books

Powell’s Books is a bookstore located in Portland, Oregon. The store has an online and in-person program for buying used books. The online buyback program does payouts through PayPal. If you sell books in person, payouts are in the form of Powell store credit.

To sell books to Powell’s Books online, all you need to do is scan or enter the ISBN of the books you want to sell. You’ll receive an instant quote. If you’re happy with the quote, package the books and drop them off at a local UPS store.

11. Chegg

Chegg is another online textbook store that has a textbook buyback program. Chegg works with an independent buyer called GoTextbooks which purchases textbooks.

To get started, enter the ISBN of the textbook and find out what you’ll get paid for your book. Next, you’ll print a free shipping label and ship your book to their warehouse. As soon as your book is received, you’ll receive payment. Textbooks need to be in fair condition or better.

12. BooksRun

BooksRun is a website that buys books. To get started, enter the ISBN number on the back of the book and you’ll receive a quote. Books ship for free with a QR code, so you don’t even need to print out a shipping label yourself. Once the book is received, you’ll receive a check or PayPal within 4 days.

There’s also a BooksRun app that makes it even easier to sell your books.

13. Bookscouter

BookScouter is an online book buying program where 30+ vendors compete to buy your books and this is one of the best apps to sell used books. You can compare offers with a single search, making it incredibly easy to find the best place to sell your books. BookScouter shows you the highest buyback price and will even track price changes and send you price alerts.

There’s even a BookScouter app, making it as easy as possible to sell your books online. Books must be in new or in almost new condition and cannot have missing pages, broken spines, excessive writing or highlighting, or water damage.

14. Cash4Books

Cash4Books is a platform that buys books for cash. To get started, take a picture of your collection of books and then you’ll receive a quote.

Cash4Books is known for buying 500+ books at a time at estate sales and similar places. They specialize in buying personal academic collections and are interested in non-fiction and academic titles of all kinds.

This platform is not interested in buying 1 or 2 books at a time, but instead wants to buy hundreds of books at once.

15. Your college bookstore (for textbooks)

If you want to sell your college textbooks as soon as possible, visit your local campus textbook store. Gather all of the textbooks you want to sell and make sure they are in good condition with minimal highlighting. Most college bookstores require a student ID to buy back your textbooks, so make sure to bring it with you.

Make sure to clean your books and wipe off any dust or debris. Visit the bookstore during open hours and the staff will evaluate the condition of the book and check if the book is needed for upcoming courses. If the book is needed, the staff will make you an offer based on the condition of the book and the current demand.

We have sold plenty of college textbooks over the years, and it is very easy to do!

Tip: If you’re in college, buying used college textbooks is also a great way to save money while you’re in college! Both me and my sister did this and it saved us hundreds of dollars each semester on books for our classes.

16. Local book store that accepts used books

It’s also a great idea to check local bookstores to see if they buy used books. Depending on the desirability and condition of the book, your local bookstore may want to buy it from you.

Call or email local bookstores to see if they have a buyback program for used books. You can also ask them what kind of books they’re interested in buying or take all of the books you’re wanting to sell straight to the bookstore. The bookstore staff will give you a quote and either pay you in cash or store credit.

I love local bookstores for this reason – I can find great used books for a fraction of the cost. Plus, you can find limited edition and more rare books at local book stores too.

17. Garage sales and yard sales

One of the easiest places to sell used books is at a garage sale or yard sale. It’s important to know you’re probably going to get the least amount possible for your books since you’ll have a much smaller customer base.

Most books at garage sales go for less than $1 and oftentimes go for 25 cents each. But, there are no shipping costs or monthly fees and all you have to do is put them outside, so that is very easy!

Make sure to advertise your garage sale online in Facebook groups and by posting flyers around town and letting people know that you are selling books for a deeply discounted price.

Also, if you want to just declutter your books and home, and you don’t care about making money, then another option is to simply donate your used books to a place like Goodwill.

Frequently Asked Questions About The Best Places To Sell Used Books

Below are answers to common questions about the best places to sell used books.

Where can I sell used books for the best price?

The best places to sell used books include Amazon, eBay, BookScouter, and Decluttr. Getting the best price for books depends on things like the condition of the books (are there stains?), market trends, and demand for the book.

How much money can you make selling books?

The amount of money you can make selling used books depends on a few factors, including:

Genre of the books
Target audience
Marketing strategy
Demand for the book

The most popular genres include mystery, romance, and science fiction. These books often have a larger read base which makes selling used books in this genre much easier.

How can you increase your earnings on used books?

There are many ways to increase your profit when selling used books, including:

Clean the book and get rid of dust before selling
Be transparent about the condition of the book
Include free shipping for your used books
Package books with care

How can I find out how much my books are worth?

One way to find out how much your used books are worth is by using Book Scouter. All you need to do is enter the book ISBN number and they will tell you how much you can possibly get for the used book.

What kind of books can you sell?

The types of books that sell best include textbooks, comic books, hardcovers, popular fiction, and more. You can sell any type of book!

Is Amazon a good place to sell books? Can you still make money selling used books on Amazon?

Amazon is a good place to sell books online because of its large customer base and global reach. You will have competition on Amazon, but with the platform’s wide reach, you’ll have a chance to attract multiple buyers looking for your books.

You can fulfill orders yourself or use Fulfillment by Amazon (FBA) which is where Amazon handles the storage, packing, and shipping of your books. This can save you a lot of time. Also, you get access to Prime members which means your books may qualify for Amazon Prime shipping, which makes your books more appealing to customers who have Prime.

Does Barnes and Noble buy used books?

Barnes and Noble is primarily focused on buying textbooks and you must have $10 worth of books to sell in order to participate in their buyback program.

Best Places To Sell Used Books – Final Thoughts

I hope you enjoyed this article on the best ways to sell used books.

There are many places to sell books ranging from online platforms like Delcuttr or Amazon or selling in person at bookstores like Half Price Books or Powell’s Books.

To get the most money for selling your books, enter the ISBN code on several different websites to find who will give you the best quote.

If you have a stack of books collecting dust, you might as well make some extra money with them!

Have you sold used books in the past? Where’s your favorite place to sell your old books?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

January 9, 2024 by Brett Tams

There’s cautious optimism in the air among area real estate professionals looking into the 2024 home sales market.

If trends continue, they see mortgage rates going down and listings going up.

The key word is “if.”

“Looking ahead to 2024, we anticipate mortgage interest rates to settle in the 6% range, which will attract even more buyers into the market, especially come spring,” said Jeanette Schneider, president of Re-Max of Southeastern Michigan.

“Current homeowners who held onto their home due to a favorable interest rate may decide their interest rate isn’t worth keeping a home that no longer meets their needs, and that should bring a bit more inventory to the market.”

Adds Karen Kage, chief executive officer of Realcomp II Ltd., Michigan’s largest multiple listing service: “We are hopeful for interest rates to continue to trend downward in the new year and consumer confidence levels to rise. As we stand today and look ahead, those are, perhaps, the biggest factors in determining what we might see in 2024.”

Nationally, industry analysts and veterans offer a range of predictions for the upcoming year. Among those:

• Buying a new home will remain expensive, according to Zillow, while Redfin said the median sale price could retreat by 1% in 2024

• The market will still be challenging for first-time homebuyers, but an influx of new apartment units could help manage inflation, according to Lawrence Yun, chief economist for the National Association of Realtors

• Sales of existing homes will rebound in 2025, with home-buying costs leveling off in the second half of 2024, according to investment banker Goldman Sachs

• In Michigan, tech startup real estate tracker Houzeo predicted home sellers will return to the market in 2024 and interest rates will stabilize in the second half of the year.

Locally, Schneider predicted a “slight uptick in home sales in 2024, along with a steady, but moderate increase, in home prices.”

“As boomers consider downsizing, we expect to see more cash offers in the market, providing a challenge for first-time buyers,” she said.

The Press & Guide asked area real estate specialists — with a combined experience of more than seven decades — to size up the market for the next year.

Interviewed for this story are:

• Susie Armiak, Realtor, MBA Realty Powered by Real Estate One, Grosse Ile, three years experience as a licensed Realtor and more than 25 years as a residential home builder

• Eric Blaine, associate broker and branch manager, Dearborn Office, Real Estate One, 10 years experience

• Tracey Solomon, Realtor, Re/Max Masters, Davis/Solomon Realty Group, Flat Rock, more than four years experience

• Maria Starkey, Realtor, Starkey Team, MBA Realty, Grosse Ile, 24 years experience. Also contributing: Michael Starkey, Realtor

• Benjamin Welch, associate broker, Century 21 Curran & Oberski, Dearborn Heights, 18 years experience, including owning and operating Street Rock Management (property management) for five years

Susie Armiak
Eric Blaine
Tracey Solomon
Michael and Maria Starkey
Benjamin Welch

Here are edited excerpts of their comments about the year ahead:

Q: Strong demand and tight inventory have defined the real estate market in 2023. How do you see those factors and others shaping the 2024 home sales market?

Armiak: I believe we will continue to see that same trend. Specifically because the higher interests this past year had many sellers/buyers sitting on the fence and new home construction is still behind the demand.

Blaine: Inventory has begun to rise in many markets and is expected to continue that trend in 2024. We expect demand to remain high, as well, and rising inventory will help.

Solomon: Demand is still outpacing supply. Unless this changes, we can expect more of the same seller-weighted market. Election years are historically slower as buyers and sellers may feel unsure about changing economic policy. Post-election, the market typically stabilizes. I suspect that if demand remains high and inventory low, we may not see that expected slowdown. It would be offset by the continued supply/demand pressure.

Starkey: The current market of strong demand and tight inventory is expected to continue into 2024. More buyers than houses continue to be the trend. This is keeping prices in the Downriver market on the high end for homes that are well-maintained and updated. The year ahead will likely continue to be a seller’s market. Homes in need of updating or with deferred maintenance tend to sit on the market longer, resulting in lower noncompeting offers.

Welch: Predicting the 2024 housing market is like forecasting the weather in Michigan – it’s an assumption with a dash of optimism. If interest rates remain the same, the days a home is on the market will continue to increase.

Q: Mortgage interest rates exceeded 7% in 2023. Where do you see mortgage rates in 2024 and how will that affect sales?

Armiak: The most recent Fed meeting stated they would be dropping interest rates three times in 2024 and we are already noticing the benefits of the recently lowered rate, currently at 6.6% for a 30-year fixed rate. (That rate may vary for buyers based on credit score, income and down payment amount.) This rate drop will entice sellers and buyers to make their move. My advice is the sooner the better because it’s going to be crowded in the marketplace once again. Be prepared to make swift and decisive decisions.

Blaine: Rates have held steady for a while and even declined slightly. I expect rates to hold somewhat steady in 2024, allowing more consumers to get off the fence and jump back in the market.

Solomon: Mortgage rates seem to be slowly dropping, which is great news for buyers and sellers. If rates continue to decline, more buyers will enter the market and demand will (again) increase. That will mean a continued shortage of homes and continued pressure on buyers to offer incentives to encourage sellers to accept their offers (fewer contingencies, appraisal guarantees, etc.)

Starkey: Interest rates are anticipated to come down into the 6% range in 2024, which likely will bring more buyers into the market. This may encourage more sellers to list their homes for sale. However, I expect home values will stay steady as demand for homes is expected to continue.

Welch: Increasing interest rates have been a major topic of discussion this year. It appears the Federal Reserve is done with rate hikes and Fannie Mae announced that interest rates could drop into the 6% range by the second quarter. If that happens, I expect a flurry of buyers to hit the market and for home prices to continue to rise.

Q: What is your best advice to potential home sellers for 2024?

Armiak: Connect with an experienced Realtor now to generate your personal marketing strategy. There are multiple items that need to be addressed prior to listing your home. Being prepared will put you in the best position to achieve your goals.

Blaine: It is a great time to sell. Values are up and demand is high.

Solomon: Once you’ve found an agent you trust, listen to their advice. Prepare your home for sale, but don’t overdo it. Timing is everything. Waiting to list until it’s perfect can cost you thousands. Consult your listing agent to prioritize your timing and task list. Utilize a pricing strategy that’s proven effective.

Starkey: Consider taking care of any potential deferred maintenance that could bring down home value. Also, be proactive by having a private home inspection done in advance to address any issues that may come up in a buyer’s private home inspection. This can reduce obstacles throughout the transaction. Last, minimize clutter, reduce excess furnishing that may make the space look smaller and — most importantly — provide a clean home for buyers to tour.

Welch: My advice is to hire a professional so you know all of your options. A professional Realtor will provide guidance, resources and a proven plan to facilitate the sale.

Q: What is your best advice to potential home buyers in 2024?

Armiak: Connect with an experienced Realtor now and begin the pre-approval process with your mortgage lender. It generally takes three months from start to finish. The more prepared you are, the stronger your chances are of getting the home of your dreams. And remember, you can always refinance, but you can’t retrofit the home appreciation value as they continue to rise at an annual rate of 4.7%, per FHFA reports.

Blaine: With value rising — a trend we expect will continue — now is the time to buy before values rise more. Waiting will only cost more and interest rates will not drop enough to help overcome appreciation.

Solomon: Find an agent you trust and communicate your needs and wants. Be financially prepared; your pre-approval matters. Set a home budget that works for your life, not just your balance sheet. Love to travel? Eat out? Give charitably? Factor that in. Adjust your price point to accommodate. (Yes, I’m suggesting you spend less so you can live more.)

Starkey: Get into the market early. Homes are hitting the market every day — not just in spring. Buyers who get a head start should have less competition than those who wait for more homes to choose from. If potential buyers find a home they love, go for it. If interest rates come down, you can always refinance. There are mortgage companies that offer a “no fee” refinance within the first two years of purchase.

Welch: If you are waiting for interest rates to come down before buying a home, it’s time to rethink your strategy. It is best to buy now because if interest rates drop, the number of buyers competing for the home you want will increase significantly, making it more challenging to buy that home.

Q: What communities do you see as most active for home sales in 2024 and why?

Armiak: I believe all communities will enjoy accelerated activity with the promise of lower interest rates, including those looking for second homes and investment properties. We are already seeing an increase in new listings in what is typically known as a quieter time. However, driving factors will continue to be the usual suspects: marriage, family growth, job change, death and divorce.

Blaine: Southeast Michigan markets, including Dearborn, are going to continue strong sales in 2024.

Solomon: Flat Rock, Woodhaven, Wyandotte and Southgate. All show increased values and searches. “Most active” is a hard metric to use as a measurement. A small community won’t show big sales numbers. However, highly rising values and quick list-to-pending sales dates show they are desirable and likely selling at or above asking with appraisal guarantees. Grosse Ile is a good example.

Starkey: The current market of strong demand and tight inventory is expected to continue into 2024. More buyers than houses continue to be the trend. This is keeping prices in the Downriver market on the high end for homes that are well-maintained and updated. The year ahead will likely continue to be a seller’s market. Homes in need of updating or with deferred maintenance tend to sit on the market longer, resulting in lower noncompeting offers.

Starkey: All Downriver communities will be active for home sales in 2024. The communities with more affordable housing for first-time buyers may see more activity as those buyers get away from renting. Of course, we need homes to come up for sale. Many homeowners are getting older and either moving to warmer climates or looking for less housing maintenance. Investors also like to purchase homes to add to their rental portfolio or to renovate and sell. The “step up” housing may not be as active as many of those homeowners are enjoying 2% to 4% interest rates and are feeling very comfortable with their current housing costs.

Welch: During November in the Downriver area, the number of homes for sale declined by 32% compared with previous months. It’s still a competitive market. With interest floating around 7.5%, there are many buyers just sitting on the bench waiting for rates to come down before they make their move. Imagine what it will be like if, and when, that happens.

Source: pressandguide.com

Apache is functioning normally

January 7, 2024 by Brett Tams

Rent is a universal expense — almost everyone pays either rent or a mortgage. In fact, rent usually takes up about 30 percent of your salary but in some cases, it is even more. If you’ve found yourself facing hard times financially and are struggling to make ends meet, you may want to create a rent reduction letter to give to your landlord.

It may seem nerve-wracking to ask your landlord to reduce the cost of your rent. After all, you signed a lease and agreed to the price. However, you’ll never know if you don’t ask.

We’ve created a thorough guide that’ll walk you through reasons to ask for a rent reduction, how and when to ask your landlord and what to do if you’re denied. If you’ve found yourself in this situation, we’ve got you covered with detailed information.

7 scenarios to ask for a rent reduction

Everyone’s financial history is different. Some people are struggling to pay rent because of a low-paying job while others have had an unexpected emergency pop up that negatively impacted their budget.

Here are some examples of different reasons you could write a rent reduction letter to your landlord.

1. Financial trouble

If you’ve found yourself in a situation where money is suddenly tight, this could qualify for a rent reduction. Life happens and it’s common for unexpected bills to pop up. Perhaps you were in an accident and now have medical bills to pay for or your car broke down and needs repairs.

Regardless of the circumstance, if lowering your rent would help ease your financial burden, even for a short period, it’s worth asking for. Just remember to clearly explain the situation and let your property manager know that this was out of your control and not a result of poor financial management.

2. Loss of job

When you signed your lease, you may have had a steady job that paid well. Now, you’ve lost your income and can’t make your monthly rent until you secure another job.

If this is your situation, you could write a rent reduction letter and explain the scenario to your landlord because they might work with you until you find new employment.

3. Took a pay cut

While you may still be employed, sometimes, you’ll be faced with a pay cut. If this happens, your income is suddenly less and bills are harder to pay. This scenario may qualify you for a rent reduction.

It is up to the landlord, but if you clearly explain your situation, they may negotiate with you.

4. Neighboring properties have lower rent

Generally, apartment complexes in the same neighborhoods have similar prices for rent. But, if you begin to notice that neighboring properties pay significantly less in rent compared to you, you could bring this up to your property manager in your rent reduction letter.

Landlords want to stay competitive with their pricing and have all of their apartments occupied and if they’re not, you can potentially leverage this for a lower rent.

5. Lacking common amenities

If your apartment complex lacks basic amenities like a laundry facility or covered parking stalls, you could use this to negotiate a reduction in rent.

Often, rent is more expensive when the property includes amenities like a playground, gym, on-site laundry and covered parking. If your apartment complex lacks these things, you could talk to your landlord about adjusting rent to reflect this.

6. Poor property upkeep

Everyone wants to live in a facility that is safe and clean. In fact, landlords are legally obligated to ensure that each apartment is habitable.

If you think your apartment is lacking general safety and sanitary measures, first, talk to your landlord about addressing that and second, use this to negotiate the price of rent.

7. The lease agreement is not being met by property managers

A lease is a legal contract that binds tenants and property managers to certain terms. Tenants agree to pay rent and keep their apartment clean and landlords agree to provide a safe and clean living environment.

If you believe this contract is not being met, you can talk to your landlord and ask for a rent reduction if the lease agreement is not being held up by both parties.

How much to reduce in rent?

So, you’ve decided that you will ask for a rent reduction but need to determine how much is reasonable to reduce. Well, this depends on a few factors like the city, neighborhood, amenities offered and your situation.

You need to assess how much would ease up your financial load while also being reasonable with your request. For example, you probably won’t get your landlord to reduce your rent in half and will likely get shot down immediately if you ask for that.

To determine a fair amount to ask for in your rent reduction letter you need to do your research. You can see what neighboring apartments are renting for; you can ask your neighbors how much they are paying and you can see what the average cost of rent in your city and state are.

If you come prepared with this information, you’ll likely have an easier time negotiating a fair rental reduction rate.

When and how to ask for a rent reduction

Once you’re ready to write a rent reduction letter, it’s all about when you send it and how you ask for what you need. The best time to ask for your rent reduction is right away because you don’t want to get behind on payments and then ask. When you first realize that you need a lesser rent payment, it’s time to start drafting your rent reduction letter.

The next best time to ask for a rent reduction rate is when your lease is up for renewal. It’s easier to draft up an entirely new lease than it is to rewrite an existing lease.

Ways to make a good case in a rent reduction letter

To make a good case for yourself, showcase that you are an outstanding tenant to your landlord. Here are some ways you can vouch for yourself to better your chances of getting a rental reduction.

Steady payment history

Have you always paid your rent on time, or even early? Have you had a steady payment history in the past? If this is the case, your property manager is more likely to sympathize with you and understand that you’ve truly fallen on hard times and could use a little wiggle room on your rate.

Show them your payment history and use this to your advantage.

Some money is better than no money

If you can still pay rent but just a lesser amount, some money is still better than no money. You can talk to your landlord and help them understand that you’ll still be paying rent and that they’ll still get an income, albeit a bit less than before.

Longer lease

Do you plan on staying at your current location long-term? If so, you can compromise and sign a longer lease at a lower rate.

Property managers want to keep their apartments occupied, so if you can sign a longer lease instead of month-to-month, they may reduce your rental rate.

Sample rent reduction letter

You can send the rent reduction letter via email or mail. Check and see how your landlord likes to receive communication and tailor your letter to that.

Follow our template below to create your rent reduction letter. Simply update everything in ( ) and you’ll be good to go.

Download the sample rent reduction letter PDF

Download the sample rent reduction letter Word Doc

(Your Name)
(Current Address of Your Apartment with Unit Number)
(City, State, Zip Code)

(Date)

(Landlord or Apartment Company’s Name)
(Address as Printed on Your Lease)
(City, State, Zip Code)

Re: Request to Lower Rent Payment for (Unit)

Hello (Landlord name),

This is (Your name) and I am a tenant in (Building #, Unit #). I’m reaching out to you because I’d like to discuss lowering my monthly rent moving forward. I enjoy living here and would like to continue renting from you, but my financial circumstances have changed and a reduction in rent would be incredibly helpful for me.

I’d like to highlight that I’ve lived here for (insert tenure) and in that time, I’ve always paid my rent on time, kept the apartment in great condition and have been a courteous neighbor and tenant. I believe I’m a great fit for this community and an exemplary tenant.

To make sure my request was reasonable, I’ve done research to see what similar complexes are renting for and what others are paying in rent. This makes me believe that a minor reduction in rent is reasonable and fair with the market.

I’d like to ask for a (insert dollar amount) reduction to my monthly rent, however, I’m open to negotiate and compromise. If you accept this request, I’d be able to continue my lease and call this home.

Can we schedule a time to meet and discuss this in more detail? I’m eager to find a way to make this work for both of us and find a compromise that meets both of our needs. Please let me know when we can chat.

Thank you,

(Signature)
(Your Name)
(Current Apartment Address and Unit Number)
(Phone Number)
(Email Address)

What to do if you can’t reduce your rent

Because it’s up to the landlord whether or not to reduce your rental rate, they may say no. If that’s the case, don’t get too stressed because there are still other options available to you.

Look for a new place

If you need to, you can find a new place to rent at a lower cost. You may have to wait until your lease ends or pay to break your lease but it may save you money in the long run to find a less expensive place to rent.

You can compare rental prices in different areas here.

Adjust your budget

It’s smart to reassess your budget to find out where you can save extra money. Maybe it’s something small like cutting back on your daily coffee habit or something more substantial like consolidating credit cards for a lower interest rate.

Either way, taking an honest look at your budget and seeing where you can save can help you make your payments and ease financial stress.

Pay rent bi-weekly instead of monthly

Sometimes, it’s a matter of adjusting your payment due dates that’ll make things a bit easier. For example, instead of paying your rent monthly in a large sum, ask if you can pay every other week so the payment itself is a bit smaller and leaves you with more money to pay your utilities and other bills.

Advocate for yourself

You have to advocate for yourself. No one else knows your struggles and if you don’t ask for what you need, you’ll never get it.

By writing a rent reduction letter to your landlord, you may get what you need which will enable you to get back on your financial feet.

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

Apache is functioning normally

January 6, 2024 by Brett Tams

You’re likely familiar with the story of Robinhood, the outlaw who stole money from the rich and gave it to the poor. Well, you’ll find a similar principle behind the investing app, Robinhood.

The founders of Robinhood aren’t stealing anything, but they do believe that the current financial system doesn’t benefit every American. For that reason, they make it easy for non-traditional investors to get started.

When you sign up for Robinhood, you get access to commission-free trades, a cash management account, and a lot more. Keep reading to learn more about the pros and cons of signing up for Robinhood, as well as whom the app is best for.

Introduction to Robinhood

Robinhood is a popular investing app that allows users to trade stocks, options, exchange-traded funds (ETFs), and even cryptocurrencies without paying any commission fees. It was founded in 2013 and has since grown to over 22 million users, disrupting the financial industry.

The app is designed to cater to non-traditional investors and make the financial system more accessible to everyone. In this Robinhood review, we’ll explore its features, pros and cons, and determine who it’s best suited for.

How does Robinhood work?

When you sign up for a Robinhood account, you’ll get your first stock for free, even if you don’t deposit any funds. Signing up for an account is easy. All you have to do is enter your name, email address, and create a password.

From there, you’ll be prompted to enter more personal information, like your address and Social Security Number. Robinhood is required by federal law to request this information.

After you’ve set up your brokerage account, you’ll outline your investing experience thus far. And to go forward, you will need to fund your account at this point. However, there’s no minimum deposit required to fund the account, so you can always start small and invest more later.

You can connect your bank account to the Robinhood app to make funding your account easier. And there are no fees for transferring money in and out of your account.

Get started with Robinhood

on Robinhood’s secure website

Robinhood’s User Interface and Ease of Use

User-friendly interface: One of the key selling points of Robinhood is its simple, user-friendly interface. Both the web and mobile versions of the app have been designed to make it easy for users to navigate and trade. The intuitive design allows users to quickly understand their account, monitor their investments, and execute trades with minimal hassle.

Account setup and verification: Setting up an account with Robinhood is a straightforward process. Users can sign up with just their name, email address, and a password. Further personal information, such as address and Social Security number, is required due to federal law. Once the account is set up, users can outline their investing experience and link their bank account for easy funding.

Diving Deeper into Robinhood’s Features

Robinhood offers several features that make it stand out from other investing apps:

Zero commissions: As mentioned earlier, Robinhood has been a pioneer in offering commission-free trading on stocks, options, ETFs, and cryptocurrencies. This feature has helped democratize investing and lower the barriers to entry for non-traditional investors.

Cryptocurrency trading: Robinhood is among the few investing apps that support cryptocurrency trading. Users can trade popular cryptocurrencies like Bitcoin, Ethereum, Litecoin, and Dogecoin. This added functionality allows users to diversify their investments within a single platform.

Mobile app: Robinhood’s mobile app is highly regarded for its ease of use and clean design. Users can quickly view their portfolio, monitor market news, and execute trades on the go.

Account notifications: Users can customize their notification settings to receive alerts about their account performance, significant price movements, and other relevant information.

Daily market updates: Robinhood’s news feed provides users with daily updates on market trends, economic news, and other developments that can impact their investments. This helps users stay informed and make better investment decisions.

Exploring Additional Robinhood Features and Aspects

In addition to the features already discussed, Robinhood offers various other aspects that make it an attractive choice for investors. Let’s dive into some of these additional features and see how they can benefit users.

Extended-hours trading

Robinhood allows users to participate in extended-hours trading, which includes pre-market and after-hours trading sessions. This feature gives investors the opportunity to act on news and events that happen outside of standard market hours, potentially capitalizing on price movements before the broader market reacts.

Options trading

Robinhood offers options trading, which involves buying and selling contracts that give investors the right, but not the obligation, to buy or sell a stock at a specific price within a specified period. This feature enables users to implement more sophisticated trading strategies and potentially profit from market volatility, while also providing the flexibility to manage risk according to their preferences.

Dividend Reinvestment Program (DRIP)

Robinhood supports a Dividend Reinvestment Program, allowing users to automatically reinvest their dividends back into the underlying stocks or ETFs. This feature can help investors grow their portfolios more efficiently over time by harnessing the power of compounding returns, allowing them to maximize their potential earnings.

Fractional share dividend reinvestment

In addition to allowing fractional share purchases, Robinhood also enables users to reinvest dividends as fractional shares. This functionality ensures that users can continue to grow their investments, even if they don’t have enough dividends to purchase a full share, making it a valuable tool for long-term wealth accumulation.

Instant deposits

Robinhood offers instant deposits for its users, allowing them to access their transferred funds more quickly (up to $1,000). This feature ensures that users can take advantage of investment opportunities without waiting for their funds to settle, providing a more seamless investing experience.

Security and account protection

Robinhood prioritizes the security of its users’ accounts and personal information. The platform uses industry-standard encryption and security measures to protect user data. Additionally, Robinhood accounts are insured by the Securities Investor Protection Corporation (SIPC) for up to $500,000, including a $250,000 limit for cash. This protection offers users peace of mind as they navigate the world of investing.

Educational resources

Robinhood offers various educational resources, including articles and guides, to help users improve their investment knowledge and make more informed decisions. These resources can be especially beneficial for new investors looking to learn more about the world of investing, equipping them with the knowledge needed to navigate the markets confidently.

Social aspect and community

Robinhood’s platform has a social component, allowing users to follow friends, family members, or other investors and view their portfolios. This feature can create a sense of community and motivate users to learn from one another’s investment strategies, fostering collaboration and the sharing of ideas.

Benefits of Robinhood

There are several advantages to using Robinhood as your investing app of choice:

No account minimum: Robinhood requires no minimum deposit to start trading, making it accessible to users with limited funds.
Free trading: Commission-free trades on stocks, options, ETFs, and cryptocurrencies helps users save on trading costs.
Cash management account: Robinhood offers a cash management account with a 1.50% APY on uninvested cash, no hidden fees, and a debit card issued by Sutton Bank.
Fractional shares: Users can invest in fractional shares of thousands of stocks, allowing them to build a diversified portfolio with minimal investment.

Drawbacks of Robinhood

Despite its numerous benefits, there are a few drawbacks to using Robinhood:

Limited account types: Robinhood only supports individual taxable accounts, so users looking to open other types of brokerage accounts will need to explore other platforms.
Limited trading tools: Robinhood’s research and trading tools are relatively basic compared to those offered by other online brokers.
Minimal customer support: Customer support is primarily available through a chatbot and FAQ page, which may not be sufficient for users with more complex queries.

Get started with Robinhood

on Robinhood’s secure website

Robinhood Gold: Premium Features for Advanced Investors

Robinhood Gold is a subscription-based premium service that offers a suite of advanced features designed for more experienced investors. By upgrading to Robinhood Gold, users can access the following benefits:

Bigger Instant Deposits

While standard Robinhood users can access instant deposits of up to $1,000, Robinhood Gold subscribers receive instant deposits depending on their account balance. This feature allows users to invest larger amounts immediately, without waiting for their funds to settle.

Level II Market Data

Gain access to Level II market data provided by Nasdaq TotalView, which shows real-time bids and asks for stocks. This advanced market data can help users make more informed trading decisions by providing greater transparency into market activity.

Margin Trading

Robinhood Gold allows users to trade on margin, providing them with access to additional buying power by borrowing funds from Robinhood. With margin trading, users can potentially amplify their gains, but should be aware that it also increases the risk of losses. It’s essential to carefully consider the potential risks and rewards before engaging in margin trading.

Research Reports

Subscribers receive access to research reports from Morningstar, a leading provider of independent investment research. These reports can help users make more informed decisions by offering in-depth analyses of individual stocks and industries.

Access to Investing in IPOs

Robinhood Gold users have the opportunity to invest in initial public offerings (IPOs) before the stocks are listed on public exchanges. This feature allows users to potentially profit from the early stages of a company’s growth, as well as gain exposure to new and innovative industries.

The cost of Robinhood Gold is $5 per month, which includes access to all the premium features mentioned above. It’s important to note that margin trading also comes with additional fees based on the amount borrowed, so users should carefully consider the costs before utilizing this feature.

Robinhood: Ideal for New and Casual Investors

Robinhood is best suited for new investors who want an easy-to-use platform to start trading with minimal barriers to entry. It’s also an excellent choice for casual investors who prefer a more hands-off approach, as the app’s features and design make it easy to monitor investments and stay informed on market trends.

For those interested in margin trading, Robinhood Gold is an option worth considering. This premium service costs $5 per month and provides access to additional margin, ranging from $5,000 to $50,000, depending on the user’s deposit amount.

However, Robinhood may not be the best fit for individuals focused on long-term retirement savings, as it doesn’t offer retirement accounts or investment options like bonds and mutual funds. Additionally, more experienced investors seeking advanced research tools and a wider range of account types may find Robinhood’s offerings somewhat limited.

Other Considerations and Alternatives to Robinhood

While Robinhood is a popular choice for many investors, it’s essential to consider other factors and alternatives before deciding on an investing platform.

Tax implications: Investing through Robinhood’s individual taxable account means that any capital gains or dividends received will be subject to taxation. Users should be aware of the tax implications of their investments and consider seeking professional tax advice.

Risk management: Investing always carries a degree of risk, and Robinhood is no exception. It’s crucial for users to assess their risk tolerance, diversify their investments, and develop a long-term investment strategy to minimize potential losses.

Alternatives to Robinhood: There are several other investing apps and platforms available that cater to different types of investors. Some popular alternatives include:

Fidelity: A full-service brokerage offering a wide range of account types, investment options, and advanced research tools. Fidelity is ideal for more experienced investors or those looking for a more comprehensive investment platform.
M1 Finance: A robo-advisor and brokerage platform that allows users to create custom portfolios or choose from expert-curated portfolios. M1 Finance is suitable for investors who prefer a more automated approach to investing.
Acorns: A micro-investing app that rounds up users’ everyday purchases and invests the spare change into a diversified portfolio. Acorns is perfect for beginners who want to dip their toes into investing with minimal commitment.

Bottom Line

Final Thoughts on Robinhood

Robinhood is a solid option for new investors looking to explore the world of trading without paying commission fees. The user-friendly interface, zero-commission trades, and various features make it an attractive choice for casual investors or those just starting. However, more experienced investors or those with specific account needs may need to consider other brokerage platforms.

By weighing the pros and cons, potential users can decide if Robinhood is the right fit for their investment goals and preferences. With no commitment required and a free stock upon sign-up, there’s little risk in giving Robinhood a try and determining if it meets your investing needs.

Get started with Robinhood

on Robinhood’s secure website

Source: crediful.com

Apache is functioning normally

January 5, 2024 by Brett Tams

Looking for the best selling apps so that you can sell stuff? Whether you have old things around your home that you want to sell or if you want to start a reselling business, there are many apps that make it easy to sell stuff right from your phone. There are apps and sites where…

Looking for the best selling apps so that you can sell stuff?

Whether you have old things around your home that you want to sell or if you want to start a reselling business, there are many apps that make it easy to sell stuff right from your phone.

There are apps and sites where you can sell all sorts of things, too, such as clothing, furniture, electronics, collectibles, and more.

I have personally sold many items over the years on many different sites to make extra income. I even had a small reselling business at one point. So, I know how helpful these sites and apps really are!

Key Takeaways

Selling apps make it easy to find buyers for your items.
Some of my favorite selling apps are Poshmark for clothing, Worthy for jewelry, and Decluttr for electronics.
Some pay via PayPal, direct deposit, store credit, etc., so make sure you think about your options before choosing a selling site.
Also, selling apps can charge various fees. You will want to look at what they charge for a listing fee, selling fee, payment processing fee, and so on. Some are free, though, like selling to local buyers on Facebook and Craigslist!

What are selling apps?

Selling apps are sites on your phone or computer that let you sell things like clothes, toys, or even your car. You take a picture, write a little bit about it, and then other people can see it and buy it from you. Some apps help you sell to people all over the world, while others let you sell locally to people who live nearby.

The apps below can be found on iOS, Android, desktop computers, or laptops.

10

This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.

Best Selling Apps For Sellers

Below are the best selling apps.

Decluttr

If you want to sell your electronics items like phones or games, Decluttr is one of the best selling apps.

Selling with Decluttr is simple. You can scan barcodes of items like games, DVDs, and books with your phone, and after you scan your items, Decluttr will give you a price for them right away.

When you decide to sell, you send your items to Decluttr for free. They even pay for the shipping and give you a free shipping label. Once they get your stuff, they’ll inspect them and if everything looks good, you then get paid.

People like using Decluttr because it’s easy and the website is easy to understand. They have a high rating from customers on Trustpilot, which means most people have a good experience.

I have personally sold a phone on Decluttr, and I have a family member who has both bought a refurbished phone on this site as well as sold an old one. It’s very easy to use and I highly recommend Decluttr.

Here’s what you can sell on Decluttr:

Phones
Electronics
Books
Games
DVDs
CDs
Apple Watch
MacBook
Speakers
Tablets

When selling, you always get to see the price Decluttr offers before you agree to sell. If you change your mind or if Decluttr says your items aren’t quite right, they’ll send them back to you without charging you anything.

eBay

eBay is an online marketplace where you can sell all different kinds of items to buyers from around the world.

Plus, you can use either your computer or your phone to sell your items.

I have sold many, many items on eBay in the past, and I think it’s a great selling site if you are looking to reach a lot of people at once. I have mainly sold clothes on eBay, but I have family members who have sold lots of different things, even cars!

If you prefer selling directly from your phone, eBay’s app is handy. You can list items by going to the Selling page and choosing “List an item.”

EBay charges two types of fees – when you create a listing as well as a fee when your item sells. This depends on the item’s price, any listing upgrades you add, and more.

Usually, eBay gives you a number of free listings every month, which means you won’t pay to list your items. This amount can be up to 250 for regular sellers or more for eBay store owners. After the free listings, there will be a fee, so keep an eye on how many listings you’re creating. You do still have to pay a fee after the item sells, which is calculated as a percentage of the total amount of the sale, plus $0.30 per order.

Facebook Marketplace

When you’re looking to clear out your space, Facebook Marketplace is the best app to sell stuff locally. This is like a large online yard sale but from the comfort of your home and phone. You can sell almost anything here, from the couch you’re replacing to the bicycle you no longer ride.

People sell things on Facebook Marketplace all the time because it is so easy! All you need is the Facebook account that you most likely already have in order to post an ad.

To sell an item, take clear photos and write a simple description. People sell toys, furniture, electronics, household goods, and more on Facebook Marketplace.

Plus, you have the option to buy and sell locally, which means no shipping hassles, or you can reach out more broadly if you’re willing to ship items. I think that most people are selling locally, though.

OfferUp

If you have items you no longer need, like toys your kids outgrew or a bike you’ve replaced, then OfferUp is a mobile marketplace where you can sell these items quickly. It’s like having a yard sale but on your phone. You just take a photo of your item, set a price, and post it. People in your community can see what you’re selling and message you if they’re interested.

Selling collectibles can be successful on OfferUp too. If you have old video game cards or stamps, you might find collectors on the app who are looking to buy them. Just remember to price your items fairly and describe them well so buyers know what they’re getting.

Unlike some other selling platforms, OfferUp is focused on local sales. This means you often meet in person to exchange the item and payment. This local approach can make transactions fast, as you don’t have to wait for shipping.

Tip: You should always be safe when meeting. Always meet in public spaces and verify the item before paying.

Poshmark

Poshmark is one of the best reselling apps for clothes and accessories.

I love Poshmark because I can find all sorts of clothing, from adult to baby, all on this site. I can search for the exact clothing brand I am looking for and often find great deals. It’s also an easy way to list items that you want to sell, and people sell all the time on Poshmark.

You can get started selling on Poshmark by creating an account, which includes adding a profile picture and writing a biography about yourself to help potential buyers get to know you better.

Then, you will list your items for sale, which includes taking photos of what you’re selling, writing a clear title and description for each item (such as the size and brand), and setting a price.

When you sell something, Poshmark helps with shipping by giving you a shipping label, and you mail the item to the buyer.

When the buyer gets your item and everything’s good, you get paid. Poshmark takes care of payments to keep it safe for everyone.

Nextdoor

Nextdoor is your go-to app for connecting with your neighbors and tapping into your local community. Think of it like a virtual gathering place where you and others in your area can meet up online.

Nextdoor is convenient because there’s no shipping – you just meet up and make the exchange.

It uses no fees to list your items, which means more money in your pocket. Instead, Nextdoor makes money in other ways (such as advertisements) so that you don’t have to pay listing or transaction fees.

So, when you have a couch to sell or want to buy a lawn mower nearby, Nextdoor might just be the app for you.

Craigslist

Craigslist is a very popular site for buying and selling items locally.

I have bought and sold many things on Craigslist in the past, such as car tires, a white water raft, clothes, and more. As you can see, that is a wide variety of items – so I’m sure you can find something that you can sell on Craigslist as well.

Plus, there are no fees to list your items on Craigslist. And, there are no selling fees either.

It is completely free to use.

To sell your items, you need to create a post, add a description and photos, and set a price.

There are a lot of scams on Craigslist, unfortunately, so you will want to stay safe. Be careful with anyone who wants to pay via check, and always stay safe. I recommend meeting buyers in public places and think about bringing a friend along. I like to pick public places like Walmart, and I know many people who like to use police department parking lots.

thredUP

ThredUP is an online consignment and thrift store where you can sell your clothes. If you have gently used women’s or kids’ clothes, thredUP lets you clean out your closet and earn money.

You can get started by simply filling a bag with the clothing items you want to sell. Then, you’ll mail your clothes with a prepaid shipping label from thredUP, and you can drop off your package at FedEx or USPS.

When your clothes sell, you have two choices. You can either cash out or get credit to shop on thredUP.

Remember, you won’t earn money for every item you send because not everything may meet thredUP’s criteria (such as if something is stained or damaged). But it’s a straightforward way to declutter and earn some cash or credit.

Etsy

Etsy is a great place to sell items that are vintage, fun, crafty, or collectible.

You can sell items like paintings, clothing, furniture, jewelry, printables, stickers, mugs, home decor, handmade items, vintage items, and so much more.

I shop on Etsy all the time, and I love how I can find interesting items that I can’t find anywhere else, such as custom artwork or vintage furniture pieces that someone found. I shop on Etsy all the time (several times a year) for both myself as well as to find gifts to give to others.

Now, Etsy is a little different from the other selling apps on this list. This is because you would not only be creating a listing but also a whole storefront.

So, if you want to start a part-time or even a full-time selling business, then this may be more for you. But, if you’re looking to sell just one or two items, then starting a whole Etsy shop may be a little too much work (depending on what you’re selling).

Worthy

When you have jewelry like diamond rings, luxury watches, or gold necklaces that you don’t want anymore, you can sell them on Worthy.com.

At Worthy, they will check your jewelry to see how much it’s worth. Then, they will sell it for you in an auction. This means that lots of people can offer money for your piece until someone gives the best price.

Steps to sell your jewelry with Worthy:

Send your jewelry to Worthy.
Worthy checks your jewelry and helps you know how much it’s worth. If you don’t like the price, you can decide not to sell it and get your jewelry back.
Your jewelry is put up for auction.
You get money when someone buys it.

The good thing is that Worthy takes care of getting your jewelry to the buyers safely. They pay for the shipping insurance, so you don’t have to worry if something happens on the way.

Mercari

You might want to sell things you don’t need anymore like a pair of shoes you outgrew or a video game you’ve finished playing. Mercari is an app that lets you sell these items right from your phone.

You can list almost anything on Mercari as long as it can be shipped. This includes phones, gaming consoles like Xbox and PS5, clothes, shoes, and even collectibles like Squishmallows.

It’s free to list your stuff on Mercari. Instead, they earn money from fees after your item sells.

First, you take a few pictures of what you’re selling. Then, you write down details about it – like what it is, what condition it’s in, and how much you want for it.

When someone buys your item, Mercari helps with shipping. They get you a prepaid label, and you just have to package your item and send it off.

Amazon

We’ve all heard of Amazon and I’m sure most of us use this site.

I buy things on Amazon all the time, and I have a few friends who sell on Amazon as well.

Amazon FBA, which stands for Fulfillment by Amazon, means that sellers keep their items in Amazon’s storage places. Amazon takes care of sending products to customers, dealing with returns, and managing customer service for the seller. With FBA, you can sell different things without the need to store them yourself or manage shipping details.

Your business would involve finding items to sell. Even if you haven’t sold anything on Amazon before, you can make money by selling everyday things like household items, toys, books, electronics, and more.

If you want to learn more about starting an Amazon business, I recommend signing up for this free training that will teach you how to sell products on Amazon and make $100 to $500 per day.

Recommended reading: How To Work From Home Selling On Amazon FBA

Chairish

Chairish is a site where you can sell furniture.

With Chairish, your items are put in front of people who appreciate one-of-a-kind pieces. You can find buyers for antique and vintage furniture, art, and decor.

On Chairish, the process is smooth. You write about your item, set a price, and Chairish handles the rest from marketing to shipping.

Kidizen

Kidizen is a used kids’ clothing site where you can sell your kids’ outgrown clothes, shoes, toys, and more. They even accept clothing for moms and maternity wear.

There are two ways to sell on Kidizen. One is to create listings yourself and sell your used items on Kidizen directly. The other option is to have Kidizen sell the items for you, where they create the listings and do all the work.

Cash4YourBooks

Cash4YourBooks is a site where you can sell your books. They buy book collections of 500 books or more (such as from estates, personal collections, libraries, and more).

If Cash4YourBooks decides to buy your collection, they’ll pick it up; you don’t need to worry about shipping or anything like that.

Gameflip

Gameflip is a site where you can sell gaming stuff, like video games and things you use inside games.

You can sell both real and online games on Gameflip. You get to decide how much they cost, and you can chat with potential buyers. This makes it simple for you to sell your video games and other things.

Frequently Asked Questions About The Best Selling Apps

When you want to sell items online, finding the right app can save you time and make you money. Here are answers to the most common questions about selling apps.

What apps help you sell stuff quickly?

If you’re looking to sell your unwanted items fast, apps like eBay and OfferUp are great because they have a lot of people who are looking for things to buy.

What selling apps pay you instantly?

Apps like Decluttr can pay you instantly once your items are accepted. This means you get paid quickly, usually after they check your stuff and make sure the quality is what you said it was.

What are the top apps for selling things in my local area?

Nextdoor and OfferUp are easy for local sales, and they allow you to connect with nearby buyers in local neighborhoods, which can make the process faster and skip any shipping. If you have a lot of things that you want to sell but want to keep it local, then you could even post an ad on the Craigslist app announcing a yard or garage sale.

What selling app takes the least amount of money?

If you don’t want to spend any money to sell your items, then Facebook and Craigslist are two great places to start. I have gotten rid of items on both, and they are very easy to use.

What App Is Best To Sell Things? – Summary

I hope you enjoyed this article on the best selling apps.

When you use selling apps, you save time because you don’t have to have a yard sale. It’s also safe because you don’t have to meet strangers in person if you don’t want to. These apps can be free or low-cost, which means more money in your pocket.

Some apps are great for local sales, allowing you to connect with buyers in your neighborhood. These can be super helpful for large items that are difficult to ship. Other apps specialize in specific categories, like fashion or handmade goods.

Whatever you are looking to sell, I hope you see lots of success! I have sold many items over the years, both online and offline, and I think it’s a great way to make money.

What are your favorite selling apps to use?