Clean Archives - Page 42 of 210

Apache is functioning normally

August 27, 2023 by Brett Tams

The Las Vegas Summer Market, held in the 5.3-million-square-foot World Market Center, will bring tens of thousands of industry insiders from over 70 countries to Sin City this week.

Exhibitors at the biannual event, organized by Andmore, show off some of the latest trends and products in furniture, decor and gifts. Following a Monday tour of the market, the Las Vegas Review-Journal is showcasing some of the most interesting items — and award-winning — products on display from bar cabinets to personalized jewelry.

Moonglow, one company on the Summer Market’s show floor, makes jewelry and clothing products, including the phase of the moon from any date from 1920 to 2030, said Tara McGowan, Moonglow’s director of sales.

“You can choose any moon date of choice to remember a significant event whether it’s a birthday, wedding or anniversary,” she said.

The Moonglow jewelry also can glow in the dark.

Another interesting product on the show floor were candles and tabletop fire pits made by Lovinflame, which offers wind-resistant and clean-burning flames using water-soluable, nontoxic and ethanol-free fuel, according to Allen Phan, the business development manager for Lovinflame.

“We focus on portability with fire so you can carry one of these products from inside your home to sitting out on a patio easily,” he said.

The flames are hot enough to warm an area and only light in the stainless steel wick of each product and can be put out easily with water.

People’s Choice awards

Four products at the Summer Market won “People’s Choice” awards in the following categories: gift, furniture, home decor and temporary gift. The winning products were voted on by buyers at the market and were selected among a group of 40 finalists.

Winning in the furniture category is a mahogany carved bar cabinet made by Virgina-based Hooker Furnishings. The cabinet is part of a new brand for Hooker Furnishings called M, which is focused on millennial and Gen Z customers and have sleeker and more modern designs, said Kristin Hawkins, the senior director of public relations for Hooker Furnishings.

She said the company was glad to receive the award for the bar cabinet since it wanted to use the Summer Market to push out the M brand and “broaden” the company’s presence in the Western U.S.

This sentiment of attracting business on the West Coast was shared by Propac Images, the company behind the winning product for the home decor category — Chroma Brush Set images, which is abstract art in a white mat frame. The company was “excited” to get the distinction from voters since it can generate more attention for the Alabama-based wall decor company, said Leeanne Vaughn, the key accounts manager for Propac Images.

“This showroom and event helps us get connected to West Coast customers and this award can boost our sales reputation,” she said.

The Summer Market is seen as the natural place for manufacturers to begin a dialogue with buyers especially in the West since this is the only trade show of its kind in the region, said Stephen Young, the president of his namesake Stephen Young company, a Los Angeles-based sales agency that represents more than 60 companies.

“There are no other Western cities that host this size of show or have this large of a permanent showroom,” he said. “Las Vegas really is the only city in the Western region with the right scale.”

Young’s company represented the winning product for the gift category — the Sienna Sage Collection, which includes hand washes, body lotions and candles.

The winning product in the temporary gift category was the Maileg House of Miniatures, a mini-toy house made by Maileg, a Danish children’s toy company. Winning the award helps the company sell its mission of getting kids to return to more imaginative forms of play, according to Jessica Barber, the wholesale account manager for Maileg’s North and South America operations.

“This shows we are doing something right,” Barber said.

Contact Sean Hemmersmeier at [email protected] or @seanhemmers34 on Twitter.

Source: reviewjournal.com

Apache is functioning normally

August 27, 2023 by Brett Tams

Quiet luxury, also known as “stealth wealth,” is one of the latest trends taking fashion by storm. Now it’s entering the home space.

The minimalist aesthetic can be summed up by the phrase “money talks, wealth whispers.” Quiet luxury replaces ostentatious displays with subtle high-end staples, eschewing gaudy accents and logo prints typically associated with the upper class.

Gwyneth Paltrow channeled quiet luxury in her court case earlier this year over her skiing accident, while the conniving cast of characters on “Succession” dressed in understated, yet expensive basics by brands like Ralph Lauren, Max Mara and Loro Piana.

The versatility of quiet luxury makes it easily translatable into interior design. Here, WWD explains how to bring the trend to your home.

Color palette

Rather than going for bold shades, focus on neutral tones of taupe or beige, balancing them with lighter shades like white and cream. Darker hues including navy, olive green, brown, gray and black are also synonymous with quiet luxury.

Quiet luxury interior.

Getty Images

Textures

Embracing comfort is a key aspect of quiet luxury. Cozy fabrics such as linen, velvet and shearling can be incorporated in upholstery, curtains and bedding. Adding some knit blankets to your sleep and living spaces will also get the job done.

For solid surfaces, lean into stone and wood finishes. Textures such as marble, travertine, oak and timber can modernize any space while simultaneously referencing classic aspects of design.

Furniture

Nothing says quiet luxury like quality investment pieces. Rather than giving into current trends, seek out furnishings that will stand the test of time. Crisp, clean lines are a focal point of this aesthetic, so leave behind any standout accents — read: gold leaf and baroque moulding.

Quiet luxury interior.

Getty Images

Decor

Quiet luxury decor, much like the rest of the aesthetic, relies on simplicity. Pick out simple, abstract prints to cover your wall or accent pillows with minimalistic patterns. To up the comfort factor, opt for soft lighting.

Brands

Retailers like Restoration Hardware, CB2 and West Elm have plenty of furniture and decor options in line with the quiet luxury trend. If you want to get the quiet luxury look on a budget, home lines at Zara and H&M offer simple, yet sophisticated decor options at affordable prices.

Vintage pieces are also a great way to channel quiet luxury. Search for midcentury modern and postmodern styles to achieve a sleek look.

Source: wwd.com

Apache is functioning normally

August 27, 2023 by Brett Tams

Offloading your used items can do you good on a couple of fronts. You can declutter your home, help fight waste (since you’re not just throwing things out), and you can make money by selling your still-useful stuff.

Whether you are getting rid of clothing, shoes, bags, furniture, housewares, books, electronics, or anything else, you can probably find a platform to help you get the job done. Some ways to sell are online, others aren’t, but all can do their part to connect your items with buyers. And get some additional cash flowing your way.

Here’s a guide to dozens of places that can help you sell your used items.

36 Places Where You Can Sell Your Stuff

If you have items you no longer want or need, and you’re looking to make some extra money, why not kill two birds with one stone? You might do this on a regular basis to keep your place (especially your closets) streamlined, or it could help you out at a moment when you are living paycheck to paycheck.

The following resale apps, sites, and stores may be able to help. Some of these services are free to list and sell, some take a percentage of profits, some pay cash outright, and others consign (meaning they sell your stuff and pay you once it sells).

1. Craigslist

One of the original online marketplaces, Craigslist (Craigslist.org) , is where you can sell used things. You can list all sorts of things, from tools to toys to DVDs to antiques (and much more) for free.

2. Facebook Marketplace

Facebook Marketplace makes it easy to sell items in your local area. It’s free to create a listing that can be seen by anyone on and off Facebook. You can also choose to post your listings to any “Buy and Sell” Groups you’re a member of.

However, a word of caution: Facebook Marketplace and other similar platforms can be used for banking scams. Read up on common ploys and proceed with caution when selling this way.

3. Amazon

While you may think that Amazon is where you can buy new things, there are also a lot of opportunities to list used items, especially books. Current pricing can be $39.99 a month plus selling fees, so you will likely want to be confident you can sell more than that before enrolling.

💡 Quick Tip: Don’t think too hard about your money. Automate your budgeting, saving, and spending with SoFi’s seamless and secure online banking app.

4. eBay

The original selling platform, eBay can still be a good way to sell your stuff, especially if you want to reach buyers from around the world who are looking to save money daily. Or it can be a huge help if you’re looking to unload an unusual item (there is almost nothing you can’t sell on eBay). But you may want to keep an eye out for selling fees, which may include a listing fee, a percentage of the sales prices, and possibly other fees.

One example of fees: For most categories, you will pay 35 cents per listing and, when an item sells, you will owe 13.255 of the total sales amount up to $7,500. If the item’s price is higher than that, you’ll pay an additional 2.35% on the overage.

5. OfferUp

Developed as a locally-driven platform, OfferUp is another good bet for selling used things. It allows you to sell to someone local, or ship an item to a buyer who lives anywhere in the US. Most items are free to post. When you sell a shipped item on the site, you may be charged a fee that is 12.9% of the sale price, with a minimum of $1.99.

6. Poshmark

Primarily a site for selling used clothing, Poshmark also lets you list home decor, jewelry, and beauty products. For sales you make under $15, Poshmark takes a flat commission of $2.95. If you make a sale that’s worth $15 or more, it takes 20%.

7. Etsy

Etsy may be best known as a platform for artists to sell their handmade goods and launch a low-cost side hustle. But the site also allows you to list some used goods. However, you can only resell in the “Vintage” and “Craft Supplies” categories. There is a listing fee of 20 cents per item, and, when you sell an item, there’s a transaction fee of 6.5% of the price, plus the amount you charge for shipping and gift wrapping.

8. thredUP

An online consignment and thrift store, thredUP sells thousands of major brands. You can send your gently used clothing directly to the service. If they accept (and sell) your clothing, you can choose from cash or credit.

A $2.99 Clean Out Kit fee and a service charge of $14.99 or higher may be assessed when you send in your clothes.

💡 Quick Tip: If you’re saving for a short-term goal — whether it’s a vacation, a wedding, or the down payment on a house — consider opening a high-yield savings account. The higher APY that you’ll earn will help your money grow faster, but the funds stay liquid, so they are easy to access when you reach your goal.

9. eBid

Like eBay, you can sell just about anything on eBid, either for auction or at a fixed price. eBid is organized into three tiers of selling, with different membership costs and selling fees. eBid may or may not wind up costing you less than other selling platforms, depending on how much you will sell and at what price.

10. Bookoo

Another platform for selling stuff locally is Bookoo, which doesn’t charge any listing or selling fees. Bookoo may not be as well known as other sites, but it is available in nearly every state throughout the U.S.

11. Vinted

If you have a lot of gently used clothes, shoes, and accessories to sell, you may want to check out Vinted (Vinted.com), a peer-to-peer online marketplace that focuses on vintage and second-hand fashion. And, for sellers, it’s free. Buyers pay a “protection fee,” typically 5% of the purchase price plus 70 cents.

12. Vestiaire Collective

If you have luxury items you want to sell, you may want to try Vestiaire Collective, a resale website where you can buy and sell high-end clothing, handbags, and accessories. When you sell an item, you can usually keep up to 85% of your money from the sale, minus a payment processing fee (usually 3%).

Ready for a Better Banking Experience?

Open a SoFi Checking and Savings Account and start earning 1% APY on your cash!

13. TheRealReal

TheRealReal is a luxury consignment site where you can drop off or ship designer clothing, accessories, and jewelry, as well as fine art and upscale home decor. They sell your items for you in exchange for a percentage of the profit.

Recommended: Ways to Make Money Online

14. Rebag

If you have a designer bag that you no longer want, you might consider selling it on Rebag, a site that’s focused on buying, selling, and trading luxury handbags. The site will let you know how much your bag is worth. If you like the offer, you can send them your bag with no shipping charges. Once it’s received and approved, you’ll get your payment.

15. Bag Borrow or Steal

Another site for selling luxury handbags is Bag Borrow or Steal. You can sell directly to the site (and get paid right away), or you can consign and receive 70% of the sales price after it’s sold.

16. PreOwned Wedding Dresses

If you aren’t sentimental about keeping your wedding dress, bridal party gown, or accessories, then you can list it on PreOwnedWeddingDresses.com, with a $25 listing fee and an 80% payout of the sale price when someone buys it.

17. Garage Sales

If your goal is to unload a large amount of stuff all at once, hosting a garage sale can be a good way to go. You could even get some neighbors together and hold a community garage sale to attract more people.

Just be sure to double-check community guidelines first to see if a permit is required.

18. Flea Markets

Community flea markets can be a great way to sell unwanted things. The owner and operator of the flea market will likely charge you a fee for a booth. If you live in a big city, you may have to register early to get a spot.

19. Buffalo Exchange

Buffalo Exchange is a vintage and used clothing store with locations throughout the U.S. If one of their stores is convenient to you, you can make an appointment to meet with a buyer. If they like your stuff, they will pay 25% of their selling price in cash or 50% in store credit. (Using that store credit could prove to be a good way to save money on clothes.)

20. Crossroads Trading

Crossroads Trading is a second-hand clothing store with brick-and-mortar locations throughout the U.S. If you visit a store, you may be able to receive cash for your clothing on the spot. For higher-end pieces, you can opt to consign. Crossroads also offers mail-in service.

21. Plato’s Closet

You can bring your gently used brand-name clothing and accessories to a Plato’s Closet near you. They’ll review your items and, if accepted, you’ll get paid on the spot.

22. Style Encore

A women’s resale store, you can bring in stylish, gently used clothes, shoes, handbags, and accessories to one of Style Encore’s retail locations. If they (style-encore.com) like your items, you will get paid right away in cash.

23. Once Upon a Child

If you have gently used children’s clothing and shoes, toys, and/or baby gear lying around, you may want to cart it over to Once Upon a Child, which has locations throughout the U.S. An employee will check out your goods and, if they think they sell them, will give you cash in return.

Recommended: Weird Ways to Make Money

24. Play It Again Sports

If you live near Play it Again Sports, you may want to consider bringing in all the no-longer-used sports equipment in your garage. You’ll clear out the space, and may get a nice amount of cash in return.

25. Music Go Round

Live in a musical household? Music Go Round is a resale music shop where you can bring in used instruments and sound equipment (like amps, MIDI equipment, and mixers) and get paid cash in return.

26. Local Thrift Stores

Unlike Goodwill or Salvation Army which accept donations, thrift stores — specifically ones that sell high-end or vintage clothing — might be willing to buy your clothes and other items. Look up local stores, and ask them what they buy and how much they typically pay.

27. Used Book Stores

Your local used book stores may be looking to purchase your books from you. You can call ahead, let them know what you have, and see if they are interested. You might wind up selling your old things for cash.

28. BookScouter

If you’re looking to sell textbooks, you may want to check out BookScouter. The platform simplifies the process by searching sites that buy used textbooks, then displaying the prices from those sites, so you can compare and decide where to sell your books.

29. GoTextbooks

GoTextbooks also allows you to sell your college textbooks and hopefully recoup some of the money you spent on them. When you let the site (sellback.gotextbooks.com/) know about what you have for sale, they will give you an instant quote. You can then ship your books for free and receive your money.

30. DeCluttr

If you mainly have electronics to sell, you may want to check out DeCluttr, which buys used tech, cell phones, DVDs, and video games. The site will give you an instant valuation. If you like the price, you can ship your item for free. If it meets expectations, you receive payment a few days later.

31. Gazelle

You may be able to turn your old cell phone into some quick cash at Gazelle. The site will give you an instant quote. If you like the numbers, you can ship the phone to them for free, and get paid via Amazon Gift Card, PayPal, or check.

32. Pawn Shop

You may be able to make some quick money selling your old stuff to a local pawn shop. Typically, pawn shops are only interested in things of value, such as jewelry, collectible coins, and electronics. It can be a good idea to bring in proof of purchase so that the owner knows you aren’t trying to sell stolen goods.

33. Facebook Groups

If you’re in any local or niche Facebook groups, you may want to post items that might appeal to members of the group. You simply need to snap a picture, describe your item, set your asking price, and see what offers you get.

34. Nextdoor

Nextdoor is a network of local community websites and can be a good place to post items. You click on the “Sell or give away an item” option when posting and can set your terms. While the number of people who are in a particular area’s community will vary, Nextdoor does have approximately 37 million active users, so you just might find a buyer.

35. Instagram

If you have a fair number of followers on Instagram, you might consider listing items you’re looking to sell there. As with Facebook groups, you simply need to snap a photo, write a brief description, and name your price. Or, you can go the more professional route and integrate Instagram’s shopping tools.

36. A “Raid My Closet” Event

Do you have friends who might be interested in checking out what you have for sale? You may want to consider inviting them over for a “raid my closet” event, or a “raid my garage” party. You can offer food and drinks, and make it a fun celebration to declutter your home.

What Are the Benefits of Selling Your Things?

Selling your things can have several benefits:

• You can declutter or downsize by selling unwanted items.

• You can help the environment by passing the item along versus throwing it in the garbage.

• You can help someone who is looking for a gently used item that you have and wants to get a good deal on it.

• You can bring in extra income.

However, as mentioned before, there are also downsides of selling your stuff. There is the possibility of being scammed in some direct sales, and there are also income tax implications to doing those kinds of transactions as well. Educate yourself on these situations.

Keeping Your Cash in a SoFi Savings Account

If you’re holding on to clothes, furniture, books, or other items you no longer want or need, you could be sitting on a way to make some extra money while decluttering.

What to do with all the profits that start rolling in? You might want to bank it and earn some interest.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with up to 4.50% APY on SoFi Checking and Savings.

The FAQ

What is a good website to sell stuff on?

The right website to sell stuff on will depend on the item you are selling to some extent. If you are selling a piece of furniture or large appliance, you might try Craigslist or Facebook Marketplace. For clothing, there are sites like thredup and Vinted, among others.

How do I sell my stuff online for free?

This will depend on the kind of item you are selling. Craigslist, Facebook Marketplace, and Vinted are some examples of platforms that typically don’t charge the seller any fees.

What is the best app for selling used items?

Among the apps to consider when selling your used items are eBay, OfferUp, and Poshmark. These can reach a large number of potential buyers, though as a seller, you will likely pay some fees.

Photo credit: iStock/Zinkevych

SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

SoFi members with Qualifying Deposits can earn 4.50% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 8/9/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet..

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.

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.

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.

SOBK0723036

Source: sofi.com

Apache is functioning normally

August 26, 2023 by Brett Tams

The tobacco and patchouli version of this candle is the staple scent in my home! I bought it for the jar, and because I don’t like very sweet, flowery scents. Dang! Did this thing deliver! It has a great burn time and the smell is exactly what I wanted. This is 100% worth gifting, but I’d end up just keeping it for myself.

Promising review: “Goldilocks would love this candle because everything is just right. Some candle scents are too strong or fake smelling and some are too weak – this candle is perfect. The subtle, yet alluring scent provides nice background fragrance for any room and burns very clean. I’m sensitive to candles with fake chemical smells or wax that burns dirty and these candles are my go-to because they never cause a problem. The glass jar gives a nice glow and the candle has a long life. A little more money than most on here but worth it for ‘just right.'” —Sterling

Price: $21.18+ (clip the coupon on the product page to get 5% off this price; available in10 scents)

Source: buzzfeed.com

Apache is functioning normally

August 26, 2023 by Brett Tams

Welcome to a world where pixels and properties collide, where a well-composed image can spark dreams of a new home and a poorly presented one can make a potential buyer click away in seconds. In today’s competitive real estate market, the old adage “a picture is worth a thousand words” couldn’t be more accurate.

In this Redfin article, we’ll unveil the secrets behind crafting real estate listing photos that not only stop potential buyers in their scrolling tracks but also beckon them to explore further. Whether you’re selling a home in Los Angeles, CA or a charming house in Salem, MA, these tips will elevate your real estate photography game and leave a lasting impression on those searching for their next home.

Why real estate listing photos are so important

Home listing photos are the virtual introduction of a property to the online real estate market. These visuals enable potential buyers to explore your home’s layout, features, and ambiance from the comfort of their screens. Clear and well-captured photos can highlight a property’s best features, create an emotional connection, and entice viewers to learn more. In contrast, poor-quality or unappealing photos can turn potential buyers away before they even consider visiting the property in person.

Essentially, listing photos act as the virtual curb appeal of a home, setting the tone for a potential buyer’s interest and influencing their decision-making process.

10 expert tips for standout home listing photos

1. Create an inviting atmosphere

“Creating captivating home photos requires a delicate blend of craftsmanship and precision,” mentions fine art photographer Sam Isaac Photography. “Natural light is harnessed to infuse warmth into interiors, while strategic composition highlights space and employs wide-angle lenses for expansiveness. Attention to vertical lines enables potential buyers to envision themselves in each room. Additionally, thoughtful furniture arrangement creates an inviting atmosphere.”

2. Balance techniques and artistry

“Crafting the ultimate home photo requires a fusion of technique and artistry,” states real estate visuals company, Repropix Corp. “Essential pro equipment, including wide-angle lenses, showcases expansive vistas while delicately balancing natural and artificial lighting. Precise camera settings accentuate the property’s finest features, while strategic staging boosts buyer engagement by 30%.”

3. Add drone and twilight photography

“In the modern era of home sales, professional photography and cinematic videos play a pivotal role in leaving a lasting impression on potential homebuyers,” says real estate marketing agency Circle Visions. “These visuals serve as the initial introduction to your property, igniting buyer interest and drawing them to explore further. Drone-captured elevated views, carefully composed interior shots featuring expert staging, and captivating twilight photos of the exterior evoke an emotional response, resonating with buyers on a personal level.”

4. Focus on framing

“One key tip stands out – framing is everything,” states seasoned real estate photographer Aaron Curtis Photography. “Ensure your camera is positioned at chest height – a rule that maintains vertical lines, offering a balanced floor-to-ceiling ratio. Limiting the view to two walls opens up the space, allowing potential buyers to envision furniture placement. Carefully select detailed shots, including fireplaces and light fixtures, while omitting less appealing features like toilets, A/C units, and water heaters.”

5. Capture the entire space in one frame

“Adopt the buyer’s perspective and capture the entire space in one frame,” recommends video production company Finally Real Estate Video & Photography. “Yes, I’ve even hopped into bathtubs to capture sinks and showers or rearranged furniture (including moving a whole couch) to achieve that perfect angle.”

6. Illuminate the home effectively

According to architect and interior design photographer, Charles Mitri Photography, “A crucial tip is to illuminate your space effectively. Before the photography session, switch on any permanent light fixtures, such as chandeliers or under cabinet lighting in the kitchen. Showcase how these fixtures elevate the ambiance of each room. Disconnect and tuck away any electrical cords associated with appliances on the kitchen counter. Often, you can wind them up and hide them behind the appliance, creating a cleaner, less cluttered look and feel.”

7. Schedule shoots during mornings or late afternoons

“Achieving captivating home listing photos hinges on timing and lighting,” advises HDR real estate photographers XLRE Photography. “Opt for soft, evenly distributed sunlight by scheduling shoots during mornings or late afternoons, minimizing harsh shadows and enhancing appeal. Consider the home’s orientation to prevent direct sunlight and unflattering shadows. Precision with aperture (around f/8) ensures clarity and depth, while adjusting shutter speed balances interior and exterior exposure. Mastery of these techniques results in photos that showcase your property in its best light.”

8. Remember the important of editing

Kouros, the Redfin in-house and third-party photographer at VistaLux Studio emphasizes that the real magic happens during the post-editing phase. Statting, “Employing bracketing, a technique where a series of shots with different exposures are merged, ensures flawless lighting and details. This process sets the stage for subsequent editing steps, like replacing skies and adding the gentle flicker of fireplace flames, which significantly enhance the property’s visual appeal. Moreover, the inclusion of twilight shots with their soft, inviting glow adds an enchanting allure. All these carefully orchestrated elements come together harmoniously, crafting a captivating visual narrative.”

9. Tell a story with listing photos

“After capturing millions of property photos, we’ve learned a valuable lesson, finding a photographer who can enchant with images that narrate your listing’s story generates more interest (and offers),” insists real estate photographers Open Homes. “A photographer focused on your success will expertly guide and capture that ‘magic shot.’ Remember, it’s not just about one listing; exceptional visual marketing builds seller confidence and secures future listings.”

10. Don’t forget to clean and declutter

“Regardless of property value, certain factors are universal for outstanding listing photos,” says seasoned real estate photographers PHRAME Photography. “We prioritize cleanliness, depersonalization, and decluttering to let your property shine. Additionally, choosing a skilled photographer matters.”

A final note on capturing stunning real estate listing photos

As you embark on your journey to create exceptional real estate listing photos, remember that these images are the bridge between a listing and a homebuyer’s aspirations. By applying the insights shared in this article, you’re not only capturing rooms and walls, but you’re crafting the visual narrative of a potential future.

Source: redfin.com

Apache is functioning normally

August 25, 2023 by Brett Tams

When someone heads off to college, they are often setting up a whole new household. They want and need items that help them get their new lifestyle up and running. If you are buying gifts for a student, you can help them achieve that by giving them items that are convenient, practical, and a little bit fun.

That’s where this list can come in handy. It identifies some of the most useful, in-demand gifts you could give a recent high-school grad or current college student. Plus there are clever ideas that may well elicit an “I love it!” from the recipient, such as a subscription to a favorite streaming service.

Read on for smart, inspiring ideas for presents for the students in your life.

Apparel and Accessory Gifts for College Students

College students need to be prepared for any situation on campus, whether that’s a winter storm, a job interview, or a trip to the school’s gym to workout. Clothing and accessories are college gifts that are likely to be appreciated. They’re practical, of course, and can help the recipient save money on clothes.

1. Backpack

A good-quality and versatile backpack is a college staple. Your college student may want a waterproof bag with plenty of compartments with room for books, a laptop, and other personal items. The backpack should also be comfortable to carry around throughout the day and durable enough to last for several semesters.

2. Messenger Bag or Tote Bag

An office-ready tote or messenger bag can be great for internships or interviews. Plus, it can be used beyond college.

3. Activewear

Whether they’re playing on a college team, a regular at the gym, or just like the style and comfort, activewear can be a useful gift for most college students. There are many different styles and brands at various price points.

4. Gym Bag

For college students who may use the school’s gym facilities or participate in a sport, a gym bag is essential. Make sure to get an appropriate size bag depending on how much they need to carry.

5. Outdoor Winter Gear

This may not be as important if they’re attending school in a warm location, but students need warm winter clothing when they’re walking back and forth between classes. Your college student may need warm winter boots for the snow, a heavy coat, thick socks, a hat, and gloves. And those can be pricey, so they make a great gift.

💡 Quick Tip: Don’t think too hard about your money. Automate your budgeting, saving, and spending with SoFi’s seamless and secure online banking app.

6. Waterproof Gear

The last thing a college student wants is a wet bag while they’re carrying their textbooks and laptop. A waterproof backpack and an umbrella should help protect expensive gear and a raincoat and boots should keep your college student dry between classes.

7. College Hoodies/Sweatshirts

One popular gift for college students is a hoodie or sweatshirt with the school’s team logo. This can typically be found through the college’s website or they may sell them on campus as well.

This type of gear can be especially fun for students to wear when getting involved in on-campus activities and showing their school spirit.

8. Loungewear

The dorm will be home for the next couple of semesters so it’s important to be comfortable. Loungewear can be found online or in stores and come in a variety of styles and prices.

9. Professional Attire

A professional outfit is a must for the college student going on interviews or for any formal gathering. If you don’t feel comfortable picking out an office-ready outfit, there are subscription services available with styles based on the information filled out by the recipient, or a gift card to a specific store may work as well.

Another great idea for a present for a college student: a gift card to a specific store.

Recommended: What Is College Like?

Ready for a Better Banking Experience?

Open a SoFi Checking and Savings Account and start earning up to 4.50% APY on your cash!

Dorm Room Gifts for College Students

There are too many dorm room college essentials to list. The little things go a long way and can help make college life more comfortable and enjoyable.

10. Bedding/Blankets

Most colleges only supply a mattress, so students must bring their own sheets, blankets, and pillows. Colleges typically have dorm beds with a twin XL mattress, but it should be confirmed with the school before buying bedding. Make sure to buy an extra set of sheets so that they always have a clean set.

11. Basic Kitchenware

Whether your college student has a dorm room kitchen or will mostly be eating in the dining hall, basic kitchenware is a necessity for a quick meal or a late-night snack. Basic kitchenware includes utensils, knives, plates and bowls, cups, and food storage containers.

12. Laundry Basket

Dorms typically don’t provide a washer and dryer in the dorm room so students will need to bring their laundry to the communal laundry room.

13. Alarm Clock

Getting up on time for classes can sometimes be a struggle so your college student may need a little help. A digital alarm clock should do the trick even for the heaviest of sleepers.

14. Bathrobe

Aside from the comfort and luxury that bathrobes may bring, they’re a necessity for college. A bathrobe will give a little bit of extra security when your college student goes to take a shower.

15. Storage

Dorm rooms are usually small, so your student will want to maximize every inch they have. There are tons of great storage solutions from under-bed bags and bins, over-the-door storage racks, and hanging strips or hooks.

16. Desk Supplies

Desk supplies are a must-have and make great gifts for college students. Consider desktop organizers, pens and pencils, a lamp, and also a comfortable desk chair.

17. Lap Desk

A lap desk can make a convenient gift for college students to make studying around campus more comfortable. They’re portable and perfect for taking notes or setting a laptop.

18. Streaming Service

It’s easy to spend a lot of money on streaming services, and college students are typically on a tight budget. Get a gift card for one or a couple of streaming services to gift your college student.

19. Personal Safe

If your student has expensive or important items, it’s important they’re kept in a safe location. A small personal safe to protect valuables can give your college student some peace of mind when living with roommates. Plus, if they work a cash job and want to save the money for tuition, they will have a safe place to stash it.

20. Games

Board games or card games are perfect for a relaxing night with roommates and friends.

Food and Drink Gifts for College Students

College cuisine doesn’t have to be instant ramen or dining hall meals. You might help your student get set up to cook meals for themselves, which can be a way to save money on food, given how pricey takeout can get. Before purchasing any kitchen appliances, contact a residential assistant to double-check if they are allowed in dorm rooms at the student’s school.

21. Insulated Water Bottle

It’s a simple gift but a leak-proof insulated water bottle will keep cold drinks cold and hot drinks hot for hours.

22. Microwave

A microwave for a college dorm needs to be compact as college students aren’t working with much space. It should be big enough to fit a full-sized plate but small enough to fit on a narrow counter.

23. Mini-Fridge

A mini-fridge is good for keeping drinks cool or storing a few snacks.

24. Electric Multi-Cooker

Multi-cookers, like the InstantPot, are simple machines but can take dorm room dishes to the next level. With a multi-cooker, college students can free up space and replace multiple kitchen appliances: rice cooker, frypan, pressure cooker, slow cooker, yogurt maker, and steamer. Worth noting again, before buying any kitchen appliances — confirm they are allowed in the dorm rooms at your student’s school.

25. Coffee Maker

It may be nice to get a coffee from the local coffee shop every morning, but the cost can add up. College students on a budget can save some cash by using a coffee maker instead.

Recommended: earn money at home (or at their dorm room), whether selling things online or perhaps tele-tutoring in a subject they love.

27. Portable Charger

A portable charger ensures your college student can study, take notes, and work on assignments without worrying about their battery dying. Portable chargers come in a variety of forms with a range of features.

28. Noise-Canceling Headphones

Dorm rooms and other areas around campus sometimes don’t make the best environment for studying. Noise-canceling headphones give your college-bound student a distraction from the surrounding noise.

29. Power Strip

You can never have too many power outlets. Your college student’s dorm room may not have enough outlets for their needs.

30. USB Flash Drive

College students may need a reliable USB flash drive to use when going to the library to work on a project, when a printer isn’t working, or when moving large files. Flash drives come in a range of storage capacities and prices.

31. Portable Bluetooth Speaker

It may not be a must-have, but a portable bluetooth speaker is a fun gift for college students. There are even waterproof models for a little extra protection.

The Takeaway

Still, stumped when it comes to finding gifts for college students? Cash or gift cards go a long way and it allows your college student to purchase exactly what they want or need. A gift card can be used for their favorite restaurant or store or some cash can go towards college books, saving for college tuition, or anything else they may need.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with up to 4.50% APY on SoFi Checking and Savings.

Photo credit: iStock/Prostock-Studio

SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

SoFi members with Qualifying Deposits can earn 4.50% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 8/9/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet..

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.

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.

SOBK0823001

Source: sofi.com

Posted in: Financial Advisor Tagged: 2, 2023, About, accessories, ACH, Activities, All, AllPar, AllStud, app, appliances, at home, Automate, Automated Clearing House, balance, Bank, bank account, Banking, basic, bed, bedding, beds, before, Benefits, best, big, blankets, bonuses, Books, Budget, Budgeting, Buy, Buying, cash, chair, Checking Account, Clean, Clothes, Clothing, coffee, College, College Life, college student, college students, companies, containers, cost, couple, Credit, credits, Debit Card, deposit, Deposits, design, desk, Digital, dining, Direct Deposit, Dorm Room, double, drives, Earn money, earning, Eating, electric, employer, environment, Essentials, expensive, experience, FDIC, Features, Fees, financial, financial independence, financial tips, Financial Wize, FinancialWize, first, food, Forth, Free, fun, funding, funds, games, General, gift, Gift Cards, gifts, Giving, good, government, grace period, great, gym, home, hot, hours, house, household, Housing, ideas, in, interest, interest rate, interest rates, international, interview, Interviews, items, job, kitchen, kitchen appliances, laundry, Laundry Room, Legal, lender, library, Life, Lifestyle, list, Living, Local, Logo, love it, Luxury, Make, mastercard, member, mobile, Mobile App, money, More, Moving, needs, new, office, Online Banking, or, Other, outdoor, party, paycheck, payments, paypal, peace, pension, Personal, pillows, place, points, Popular, present, pressure, price, Prices, products, project, proof, property, protect, protection, PSLGen, Purchase, quality, rate, Rates, read, ready, Residential, restaurant, rewards, rice, right, room, roommates, running, safe, save, Save Money, Saving, saving for college, savings, Savings Account, School, security, Sell, selling, sheets, shower, simple, smart, snow, social, social security, sofi, space, Spending, spirit, square, storage, storage solutions, storm, Strategies, streaming, student, student_loan, students, studying, Style, subscription services, takeout, Terminology, time, tips, tuition, under, v, variable, venmo, walking, wants, will, winter, wire transfers, work, working

Apache is functioning normally

August 24, 2023 by Brett Tams

Best Ex, Cybersecurity, Audit, LO Profile, Credit Reporting, QC Products; Better.com IPO is Today; FOMC Minutes

<meta name="smartbanner:author" content="We now have a native iPhone
and Android app.
Download the NEW APP”>

This website requires Javascrip to run properly.

Best Ex, Cybersecurity, Audit, LO Profile, Credit Reporting, QC Products; Better.com IPO is Today; FOMC Minutes

By:
Rob Chrisman

1 Hour, 8 Min ago

“I’m not a fan of elevator music. It’s bad on so many levels.” Whether or not you think that the environment and value of owning stock in lenders and vendors has been “bad” over the last year or two, it certainly has been dicey. If you want to “be long” lenders or other mortgage-related companies, you could put some of your hard-earned savings into RKT, ICE, GHLD, UWMC, HMPT, LDI, PMT, FOA, or COOP. Now you’ll have a new vehicle: BETR. Yes, Better.com is going public, in what many would term a “challenging” environment. In a combination of stock market news, along with the reminder that making predictions about markets is like throwing darts, an ETF that was started on March 1, 2023 to track Jim Cramer’s stock picks has only garnered $1.3 million in assets and is closing. Maybe this is the free market saying that Jim Cramer is full of fluff and no value. (Today’s podcast can be found here and this week’s is sponsored by PHH Mortgage. For over 30 years, PHH Mortgage has provided industry-leading mortgage services and helped countless homebuyers and homeowners find financing solutions to meet their needs.)

Lender and Broker Software and Services

Are you attending IMN’s 6th Annual NPL, Notes & Default Servicing Forum in September? If so, be sure to check out the session “How Do You Determine the Pricing of Distressed Deals?” where Velocity Servicing’s President, Matt Stadler, will be moderating! During this session, Matt will lead panelists through the nuances of pricing distressed loans, including the following: Where are distressed deals coming from, and how can you source them? What impacts are inflation and interest rates having on distressed product pricing? What factors determine the pricing of distressed deals? Important due diligence factors to consider when pricing. And more! If you are interested in scheduling time to meet with Matt during the conference, contact [email protected]. Click to learn more or call today at 646-361-6808 to partner with Velocity Servicing™, a LoanCare® division, for your specialty servicing needs.

Free AML Module to staff and MLOs! Optimize Compliance (MtgEd) is dedicated to IMB Educational Compliance, org cost cutting, and audit preparedness. The Client Portal hosts the MOST ROBUST Tracking and Audit Center, built from IMB Compliance team input. MLO CE is not enough to satisfy regulators- our solution solves for that. For the free AML promotion, contact Dave Olchek. For TMC members, see ya’ in Nashville.

Feeling constrained by your current down payment assistance options? At Click n’ Close, we make DPA available for all with no income restrictions or first-time homebuyer requirements. These are just some of the many reasons why Highland Mortgage chose Click n’ Close. As Highland’s Director of Capital Markets Morgan Clemm notes, “With Click n’ Close, we not only get superior DPA programs that follow AUS and allow for qualification under a ‘blended credit score’ option, but we also have access to a full suite of other innovative loan products and hands-on customer service with quick response times and the ability to structure deals with our account executives.” Click n’ Close’s SmartBuy DPA programs also have newly enhanced options for manufactured homes to help borrowers secure a more affordable home AND mortgage. Contact our wholesale (Adam Rieke, Kerry Webb and Soliman Martinez) or correspondent team (Julas Hollie) to learn more.

“AFR Wholesale® (AFR) is here to calm the chaos of an uncertain rate environment. We recognize the effort it takes to keep up with the latest rate information, which is why we consistently evaluate our offerings to provide you with multiple options in a clear and concise manner. Our Quick Pricer feature grants clients access to detailed rate quotes for each scenario, while the AFR Loan Center ensures you stay informed about the most current rates and market changes. Additionally, our comprehensive AFR Resource Center supplies up-to-date information whenever you need it. Here at AFR, our commitment lies in offering competitive pricing and serving as a partner to help grow your business. Partner with AFR today to start taking advantage of these impactful features and so together we can bring more families home! Contact AFR by going to afrwholesale.com, email or call 1-800-375-6071.”

Discover how Thrive Mortgage eliminated its reliance on manual QC processes. Thrive automated their entire QC processes across both its servicing and origination lines of business using ACES Flexible Audit Technology®. “ACES has made my life so much easier from a QC perspective”, said Kelly Cooper Spencer, QC Manager at Thrive Mortgage. I’ve never used a portal for exception responses before, and I love it. I would never go back. It’s life-changing”, concluded Cooper. Watch Thrive’s success story.

Xactus, the leading verification innovator for the mortgage industry, recently announced the next generation of its proprietary technology platform, Xactus360, further modernizing the mortgage process for lenders. Xactus360’s game-changing features empower them to work more efficiently, improve automation, and streamline workflows. Lenders are especially excited about the platform’s single login that allows them to quickly access Mortgage Credit and Pre-Qualification reports, saving precious time. They can swiftly unmerge and re-pull a single bureau to a tri-merge report. Xactus360’s new tagline, “Revolving Around You,” perfectly represents its ultimate purpose – to serve the evolving needs of the customers who use it. See how Xactus’ next gen tech can transform your operations. Email us. Did you miss yesterday’s webinar on Advancing Innovation with the Next Generation of Xactus360? Stay updated on upcoming webinars and news by following Xactus LinkedIn page.

What if you could see the production numbers of any LO? With Mobility Market Intelligence (MMI)’s new LO Quick Profiles tool, you can do just that. MMI is giving mortgage professionals like you limited public access to some of the same LO production numbers that its members use to stay ahead of their peers. With the LO Quick Profiles, you simply enter an LO’s NMLS and, in the click of a button, view up-to-date production metrics including loan production volume, transaction types, loan types, top buy-side & list-side agent partners and top regions based on performance. Want to know where you stand against the competition? Take a peek at your competition’s numbers and see who their top agent partners are.

It may feel like the distant future, but your 2023 audit is right around the corner. Will you be ready when the time comes? The mortgage accounting experts at CWDL ensure that our clients are audit-ready every month, resulting in a smooth and uncomplicated annual audit. When we onboard a new client, we use our proven industry-specific methodologies to clean up books and streamline processes, allowing for accurate and timely monthly financials that both management and auditors can rely on. Being proactive versus reactive makes all the difference not only for your audit, but also for managing the financial health of your business. Your annual audit doesn’t have to be painful – reach out to Kasey English or 619.302.0010 or learn more here.

Click links, ask questions later. The most common attack vector for a cyberattack is the human element. It’s what phishing emails, phone calls and text messages all have in common. Yet while it’s the weakest link, the human element could be your organization’s greatest prevention layer if trained correctly. In an industry that incentivizes people based on sales goals, every mortgage lead has bottom line potential. And in the current market, it’s only human to go after leads without stopping to consider their legitimacy. But recent data shows just how risky clicking without thinking can be. According to ISACA, in 2022 social engineering (tricking humans) was the #1 attack vector – and even the best teams are vulnerable. Learn how to do a better job at testing and training your team to identify legitimate leads. Talk to Richey May’s cybersecurity experts for help assessing and defining your cybersecurity training needs.

Capital Markets

In any market scenario, it is crucial for lenders to analyze the best execution options to maximize profitability when selling loans in the secondary market. Determining what execution is most efficient and profitable will have a big impact on the bottom line. In MCT’s latest whitepaper, Optimizing your Best Execution Loan Sale Analysis, they provide insight into determining your company strategy, delivery options, retain release decisions, and more. Download the whitepaper or join MCT’s newsletter to stay up to date on the latest educational content.

Shelter inflation is currently 90 percent of core inflation. But there are other things going on impacting the markets. Yesterday bond prices rallied, and yields fell, the most in a single day since June yesterday with European Central Bank and Bank of England terminal rates falling in the process, a welcome relief for originators. The rally began in the morning as a partial retracement of the recent drop in bond prices but was followed by gains extending due to weakening domestic Manufacturing and Services PMI readings. The S&P Global U.S. Manufacturing PMI fell further into contractionary territory in August from July while the S&P Global U.S. Services PMI also fell in August but remained in expansionary territory. Tech industry standout Nvidia gave another stunningly strong quarterly revenue forecast, fueled by surging demand for its AI processors in data centers, which drove some investor sentiment. Yet the day’s $16 billion 20-year bond auction met tepid demand.

Those hoping for lower mortgage rates should start cheering for the 2-year Treasury note to rally. Without a rally in shorter durations across the yield curve, 10-year yields and mortgage rates will continue to reject any short-term improvements. Speaking of bond yields, tomorrow is Fed Chair Powell’s keynote speech at the Jackson Hole Symposium, with pricing in fed funds futures now implying a marginally lower probability of an additional 25 basis points rate hike in 2023 versus earlier in the week. The Minutes from the Federal Open Market Committee’s (FOMC) July meeting indicated a move toward a “wait and see” mindset. While this gives the committee the flexibility to raise or hold rates steady, the uncertainty leaves markets to themselves to determine if another hike is on the table. Powell is nevertheless expected to map out the final steps in the central bank’s campaign to finish off inflation, which comes as policymakers enter what he’s called the most difficult stage of the inflation fight: knowing when to stop.

After existing home sales data was released on Tuesday, we learned yesterday that new home sales rose 4.4 percent month-over-month and a whopping 31.5 percent year-over-year, according to the Census Bureau. The median sales price fell 9 percent to $436,700 and the seasonally adjusted annual rate of new sales now sits at 714,000 units. New home sales activity, which is measured on signed contracts, increased versus the prior month, and was driven by sales of more moderately priced homes as higher building costs hurt the supply of lower-priced homes while higher mortgage rates contributed to affordability pressures.

Today’s calendar is under way with durable goods orders (-5.2 percent, but ex-transportation +.5 percent), weekly jobless claims (230k, a little less than expected; 1.702 million continuing claims), and the Chicago Fed National Activity Index for July. Later this morning brings Kansas City Fed manufacturing for August, Treasury announcing month-end fixed coupon supply consisting of $45 billion 2-year, $46 billion 5-year, and $36 billion 7-year notes, a Treasury auction of $8 billion reopened 30-year TIPS, and Freddie Mac’s latest Primary Mortgage Markets Survey. We begin the day with Agency MBS prices worse a few ticks (32nds) from Wednesday night, the 10-year yielding 4.23 after closing yesterday at 4.20 percent, and the 2-year is at 5.00.

Employment

“Attention Visionary Branch Managers! When you’re running a successful branch, flexibility is more important than ever when it comes to building your team, defining the model, and making decisions on where to spend your resources. That’s why PrimeLending offers three different branch structures to empower you to be more than a manager so you can truly lead and grow your team in the way that best fits their strengths and goals. If you’re not satisfied with the status quo, and you want to explore all the options available to grow your branch and your career, it’s time to look at PrimeLending. We’re focused on the future and always hiring talented, driven mortgage professionals ready to take the next step. Contact Nic Hartke today to find out more and position yourself for success in this ever-changing environment!”

Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Share via Social Media:

All social media shares will include the image and link to this page.

Option 1: Copy and send this link

Source: mortgagenewsdaily.com

Posted in: Refinance, Renting Tagged: 2, 2022, 2023, 30-year, About, affordability, affordable, agent, AI, All, analysis, app, ask, assets, automation, Bank, before, best, Better.com, big, bond, bond yields, Books, borrowers, Broker, building, Built, business, Buy, calm, Capital, Capital markets, Career, Census Bureau, chair, chicago, city, Clean, clear, closing, Commentary, companies, company, Competition, Compliance, contracts, correspondent, cost, costs, Credit, Credit Reporting, credit score, curve, customer service, cybersecurity, data, Deals, decisions, director, discover, Distressed, down payment, Down Payment Assistance, due diligence, efficient, Employment, Empower, engineering, environment, existing, Existing home sales, experts, Features, fed, Federal Open Market Committee, financial, financial health, Financial Wize, FinancialWize, financing, first, fixed, FOMC, Forecast, Freddie Mac, Free, funds, future, futures, Giving, goals, Grow, health, Hiring, hold, hole, home, Home Sales, homebuyer, Homebuyers, homeowners, homes, How To, ice, impact, improvements, in, Income, index, industry, Inflation, interest, interest rates, Investor, IPO, job, Kansas City, Learn, learned, lender, lenders, Life, LinkedIn, Links, list, loan, Loans, love it, LOWER, Make, making, manufacturing, market, markets, MBS, Media, median, mindset, mobile, Mobile App, model, module, More, Mortgage, mortgage credit, mortgage professionals, Mortgage Rates, Move, Music, nashville, needs, new, new home, new home sales, News, Newsletter, NMLS, offers, Operations, or, organization, Origination, Other, percent, PMI, podcast, points, policymakers, potential, predictions, president, price, Prices, PrimeLending, PRIOR, proactive, probability, products, Professionals, programs, Promotion, QC, questions, Quotes, Raise, rate, rate hike, Rates, reach, ready, reminder, report, Revenue, right, rose, running, s&p, sale, sales, Saving, savings, score, Secondary, secondary market, selling, september, Servicing, shares, short, Side, single, social, Social Media, Software, specialty, stage, stock, stock market, story, structure, Success Story, suite, survey, Tech, Technology, time, tips, tracking, Transaction, Transportation, Treasury, under, US, value, versus, volume, Webinar, will, work

Apache is functioning normally

August 23, 2023 by Brett Tams

Even outside the congested sprawl that is New York City, moving anywhere in New York State has benefits. The state is busy, beautiful and full of potential.

Whether you’re set on big city living or want to take advantage of the fall foliage and outdoor space upstate, if you want to call New York home, you’re going to need to take a close look at your budget. Calculating your cost of living, based on New York State prices, is a great way to start. Consider costs in these essential areas to see if this northeastern state is right for you.

New York Housing prices

It’s no secret that New York, overall, is an expensive place to live. Especially in and around The Big Apple, housing prices can skyrocket to the point that you’re cramming five people into a one-bedroom apartment.

That said, there’s always a deal to find, even if it means living a little further out than you’d anticipated. Here’s the cost of living in New York for housing in major cities.

Albany

As the state capital, Albany sits upstate along the Hudson River with a thriving urban center. It’s known for its diverse culture, great architecture and a lot of college students. Housing prices here are on the rise at 6.2 percent above the national average.

Rent prices are increasing only slightly year-over-year, keeping things pretty affordable. A one-bedroom apartment averages out to $1,267 per month, up 3 percent over last year. A two-bedroom apartment averages out to $1,465 per month, up 9 percent over last year.

Housing prices are also increasing at about the same rate, up 4.4 percent over last year. The median home price in Albany is currently $235,000.

Brooklyn

The largest New York City borough when it comes to population, Brooklyn is well-known for its people. The diverse crowd comes from all over the world, many to orchestrate a start-up or pursue an opportunity at one that’s taken off. A trendy place, that’s easy to navigate, Brooklyn is an attractive home for a lot of people, which is most likely why its housing prices are 196.7 percent above the national average.

Although rent prices are coming down in Brooklyn, when compared to last year, they’re still on the higher end. A one-bedroom apartment, down 25 percent, still has an average monthly rent of $2,600. Two-bedroom apartment prices have dropped by 53 percent, but are still $2,650 per month, on average.

Home prices are on the rise and pricy. The median home price in Brooklyn is $1.02 million, up 3 percent over last year.

Buffalo

The only city on the list coming in under the national average for housing, Buffalo is 6.8 percent below. The second-largest city in the state, situated right on Lake Erie, is what you think when. you think upstate.

Rents in Buffalo offer a mixed picture. One-bedroom apartments are up 5 percent, and two-bedroom apartments are down by 12 percent. This may make renting more affordable than buying since home prices are on the rise.

An average one-bed rents for $1,327 per month, a two-bed is at an average of $1,446 per month, but median home sales in Buffalo sit at $216,00, which is an 8 percent increase over last year.

Manhattan

As the literal center of everything, it’s no surprise housing prices in Manhattan are 382.7 percent above the national average (wow!). This is the most densely populated of the five boroughs, home to the Empire State Building, Times Square and Broadway. It’s also a major commercial, financial and cultural center. You get it all.

Average apartment rent aligns with this heightened housing cost. At $4,517 per month, finding an affordable place could be a challenge.

Home prices aren’t much better. The median home price in Manhattan, which stayed the same as last year, is currently $1.2 million.

Queens

Situated on Long Island, Queens is home to the U.S. Open tennis tournament, as well as great museums, restaurants and attractions. It’s also considered one of the safest New York City boroughs to live in and a great place for families. These attractive qualities have definitely boosted housing prices, which are 109.1 percent higher than the national average.

Apartment rent isn’t very cheap either, although prices are rising slowly. The average one-bedroom rent is $1,900, up 6 percent over last year, and two-bedrooms have an average monthly cost of $2,300, up 15 percent.

House prices are up 2.3 percent from last year. The median home price in Queens is pretty high though at $706,000.

Food prices

Another cost of living in New York is food. Averaging in all of New York State, food prices aren’t that expensive. The average New Yorker only spends between $233 and $267 per month on groceries, which isn’t that much. Of course, it depends a lot on where you live, whether you fit into what’s ‘average.’

Buffalo is 4.6 percent below the national average

Albany is 12.9 percent above the national average

Queens is 25.7 percent above the national average

Brooklyn is 29.2 percent above the national average

Manhattan is 44.4 percent above the national average

It’s no surprise that food prices are higher the closer in you get to New York City. You can see these differences much better when looking at the cost of individual items. For example, eggs in Manhattan are 38 percent more than eggs in Buffalo. Bananas in Brooklyn are 18 percent more than bananas in Albany.

This same price difference is apparent when on a date for two. A three-course meal in Brooklyn for you and a special someone is $90, but that same meal only costs you $73 in Buffalo. That’s a 19 percent difference just to live in the city.

Utility prices

Throughout New York State, utility prices hover pretty close to the average across the country. Two cities even tie, with utility prices slightly below average.

Albany and Buffalo tie at 4.6 percent below the national average

Manhattan is 3.3 percent above the national average

Queens is 4.4 percent above the national average

Brooklyn is 6.6 percent above the national average

Even with reasonable utility prices, monthly energy bills are high, on average, in every city on the list. They’re all above $150, with some even close to $200. It makes sense, though, when you think about how much electricity it takes to power this state, most of it concentrated in those neon signs in Times Square (they’re bright).

However, even with this energy consumption, the state’s Clean Energy Standard mandates New York provide 100 percent carbon-free electricity from all sources by 2040. They’re moving in the right direction for this cost of living in New York.

Transportation prices

Public transportation is big throughout New York, which is good because driving in some areas is downright intimidating. This includes city driving, as well as navigating all that winter snow. With a combination of buses, trains and your own car, here’s how the cities stack up when it comes to transportation prices as a cost of living in New York.

Buffalo is 0.6 percent below the national average

Albany is 0.8 percent above the national average

Queens is 9.2 percent above the national average

Brooklyn is 14.9 percent above the national average

Manhattan is 17.6 percent above the national average

Depending on where in New York you live, a car may really not be necessary. Public transportation in certain spots is amazing, and all five boroughs have impressive walk and bike scores. Manhattan, for example, has a walk score of 97 and a bike score of 87. You can definitely get around there without a vehicle.

NYC MTA

The New York City MTA extends its reach to all five boroughs, including Manhattan, Brooklyn and Queens. With subway, bus and rail lines, you can really get just about anywhere you need with the MTA.

Fares vary based on what line you’re riding and whether it’s an express. Most subway routes and local busses cost $2.75 per way. The express bus is $6.75.

The best way to use the MTA hassle-free is with a MetroCard. The cards themselves cost $1 plus the fee for the type of card you want. You also get unlimited swipes within a certain amount of time. For example, a 30-day unlimited MetroCard costs $127, but you get unlimited subway swipes for those 30 days.

CDTA in Albany

The Capital District Transportation Authority offers bus routes throughout Albany, but also services other cities within the Capital Region of the state. In Albany alone, there are 40 different routes.

The base fare for a ride on the CDTA is $1.50. For the most cost-effective ride, residents use a Navigator card which lets you add pay-as-you-go funds or buy a discounted monthly pass.

NFTA Metro in Buffalo

A combination bus and rail system, the NFTA actually covers both the Erie and Niagara Counties of New York. Within the heart of Buffalo, the rail system gets you where you need to go.

A standard fare is $2 for all NFTA Metro services. Monthly passes are also available for $75. There’s also a mobile app you can use to buy Metro funds to board both buses and the rail system.

Healthcare prices

Overall, the cost of living in New York for healthcare prices are pretty reasonable, with no city that much higher than the national average.

Buffalo is 8.2 percent below the national average

Brooklyn is 4.2 percent above the national average

Queens is 4.9 percent above the national average

Manhattan is 7.9 percent above the national average

Albany is 11.3 percent above the national average

Interestingly enough, the highest overall city, when it comes to healthcare prices, has the least expensive average doctor visit. Albany costs $99 on average to see the doc, while the most expensive visit will be in Queens at $132.86.

Goods and services prices

Overall, most of the things you have in your budget that aren’t completely necessary, but you really like having, cost more in New York, on average, than around the country.

Buffalo is 8.3 percent below the national average

Albany is 13.9 percent above the national average

Queens is 20.2 percent above the national average

Brooklyn is 23.8 percent above the national average

Manhattan is 33.1 percent above the national average

The sticker shock of childcare

One other item in the goods and services category that can really shift your monthly budget is childcare. Maybe you don’t need to pay for this now, but it’s a pricy item in New York, so it’s good to know.

A full-day, private preschool costs $2,043 per month in Brooklyn. Prices in other boroughs exceed $1,100 per month, as well. It’s not until you get further away, to Buffalo, that this cost dips below the $1,000 market. Preschool in Buffalo only averages out to $935.42.

Taxes in New York

Sales tax in New York can get high fast. The state has a sales tax of only 4 percent, but local areas can then add up to 4.875 to that total. That means the most you could possibly pay in sales tax is 8.88 percent. At this level, for every $1,000 you spend shopping, you’re automatically forking over $88.80 straight in taxes. That’s a high markup.

Of course, the areas within New York City max out their sales tax. Manhattan, Brooklyn and Queens all have an 8.88 percent sales tax rate. Buffalo is barely less at 8.75, and Albany is only slightly lower right at an even 8 percent.

Altogether, it’s expensive to shop (and live) in New York (but you knew that already).

How much do I need to earn to live in New York?

Living in New York comes with a hefty price tag, so it’s very important you calculate your cost of living properly in order to ensure your budget can handle it. The best way to do this is with our rent calculator, but there are a few basic numbers you can crunch, as well.

One of them is calculating how much you’d need to make annually to afford the average New York rent, which is $2,355 per month. To do this, you need to put 30 percent of your annual salary to rent. So, at this average price, you’d need to make $94,200 a year.

This is possible, but not always probable being that the average annual income in New York is only $88,030. This number comes close, but a few places may still be out of reach unless you bring in a roommate to supplement costs. That’s a game-changer for the budget.

Living in New York

The most amazing thing about New York is the assortment of lifestyles you can lead. You can take urban living to the extreme throughout New York City, or slow things down upstate. Sometimes, your budget will drive where you end up, and sometimes, you’ll cram yourself into a tiny apartment with roommates just to live in the middle of the action. Either way, New York has so much to offer and is a great place to take up residence.

Related articles:

The Cost of Living Index comes from coli.org.

The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of June 2022.

Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Posted in: Growing Wealth Tagged: 2, 2022, About, action, advice, affordable, albany, All, apartment, apartments, app, apple, Architecture, average, basic, bed, bedroom, Bedrooms, Benefits, best, big, Bike, bills, Blog, brooklyn, Budget, building, Buy, Buying, calculator, Capital, car, childcare, Cities, city, city living, Clean, College, college students, Commercial, consumption, cost, Cost of Living, costs, country, driving, energy, expensive, Fall, financial, Financial advice, Financial Wize, FinancialWize, first, food, Free, funds, good, great, groceries, guide, healthcare, home, Home Price, home prices, Home Sales, house, Housing, housing prices, in, Income, index, inventory, items, lake, list, Live, Living, Local, long island, LOWER, Make, Manhattan, market, max out, median, median home price, mobile, Mobile App, monthly budget, More, Most Expensive, Moving, moving in, Multifamily, new, new york, new york city, nyc, offer, offers, opportunity, or, Other, outdoor, outdoor space, percent, place, potential, pretty, price, Prices, property, rate, reach, Rent, Rent Prices, rental, rental market, rental property, renting, restaurants, right, rise, rising, river, roommate, roommates, Salary, sales, save, score, second, shopping, snow, space, square, students, tax, taxes, time, tips, Tips & Advice, Transportation, u.s. open, under, walk score, Ways to Save, will, winter

Apache is functioning normally

August 21, 2023 by Brett Tams

Do you want to learn how to get free clothes? There are many ways to get free clothes online and in-person, which means you can save money and have a new outfit. From online shopping to community groups and social media, there are many platforms where you can find free clothes for yourself and your…

Do you want to learn how to get free clothes?

There are many ways to get free clothes online and in-person, which means you can save money and have a new outfit.

From online shopping to community groups and social media, there are many platforms where you can find free clothes for yourself and your family. In this article, I will help you find free clothing both online and near you.

Whether you’re an expert bargain hunter or just learning the ropes, taking advantage of free outfits can be the key to sprucing up your wardrobe without spending a ton of money. Read on to learn more about how to get free clothes, discounts, and clever hacks to get free clothes while maintaining your budget.

Key Takeaways

Explore online platforms, like Facebook Buy Nothing groups, Craigslist, and Freecycle.org, for free clothing options.

Connect with friends and communities to organize clothing swaps.

Blogging or social media can lead to free clothing items and discounts.

How To Get Free Clothes

1. Facebook Buy Nothing Groups

If you’re looking for the easiest way to learn how to get free clothes, Facebook Buy Nothing groups can be one of the best options in your local area. These local groups on Facebook are part of the Buy Nothing Project, which aims to connect neighbors who are willing to give items away for free, including clothing.

I have given away many, many things in my Facebook Buy Nothing group, and I see lots of clothes given away all the time. You can find free clothes for women, men, children, and babies in your local Facebook Buy Nothing group.

To get started with Facebook Buy Nothing groups, simply search for a Buy Nothing group in your town or city. If you live in a large city, there might be multiple groups for different neighborhoods. Once you find the right group, send a request to join. You can start by searching “your city name Buy Nothing Group” as an example.

After you’ve been accepted into the group, you can start looking for free clothes. Keep an eye out for posts from group members offering clothing items they no longer need, and don’t hesitate to ask questions and state your interest in the items you like. When you find something you’d like to have, simply comment on the post to let the person know that you’re interested. The person may choose to gift the item to the first person who comments, or they might decide to draw names at random.

Another way you can learn how to get free clothes on Buy Nothing is by hosting a clothing round-robin. This is when people put together a box of clothes together that goes person to person. You can try items on in your home, take clothing you like, add to the box, and pass it along to the next person.

Facebook Marketplace may also have free clothing listed as well.

2. Look at Craigslist for free clothing

Craigslist has a free section on their website where you can find clothing and other items that people are giving away.

To get started, go to Craigslist.org and head to the free section of the website. Then type “clothes” or whatever specific article of clothing you are looking for in the Craigslist search bar.

Then when you find a free clothing listing that you like, simply click on the title or image to view more information about the offer and send an email to the person.

Note: For your safety, it is a good idea to meet the person in a public place and bring a friend along when you pick up the clothes.

3. Check Freecycle.org for clothing and shoes

Freecycle.org is a great resource for where to get free clothes online.

Freecycle is a nonprofit movement/website that allows members to give away and receive items for free in their local area. Freecycle is all about reducing waste and keeping items out of landfills.

To get started, create a free account on Freecycle.org and start looking at what is available in your area.

When you find something you like, simply respond to the listing, and the person will give you details on how to pick up the items.

For more content related to how to get free clothes, check out: 15 Awesome Ways To Get Free Stuff.

4. Organize a swap with friends to get free clothes

Setting up a clothing swap with friends and family is a fun way to refresh your wardrobe while also learning how to get free clothes.

Here are some steps to host a fun clothing swap:

Set a date and location – Choose a date and time that works for you and your friends. It’s a good idea to host the swap at your home or another comfortable space where everyone feels welcome. Make sure there is enough room for everyone to display and try on clothes.

Invite your friends – Create a guest list and send out invites. You can use social media, email, or text message to invite your friends. Make some ground rules for how the swap will work, and ask everyone to bring clean, gently used clothes that they no longer wear.

Prepare the space – Set up an area where friends can display their clothing items. This can be as simple as just using a dining room table or everyone sitting on the couch in the living room.

You can make it even more fun by asking everyone to bring snacks and food as well and make it more of a potluck.

I also recommend checking out the website Rehash. This is an online swap website where you can trade clothing with others online.

5. Birthday freebies

Many stores give you discounts or free stuff on your birthday when you sign up for their email lists or by joining customer loyalty programs.

These offers can be in the form of discounts, coupons, or even free items for a limited time.

Related: 31 Birthday Freebies You Should Sign Up For

6. Participate in sweepstakes and contests

If you want to learn how to get free clothes from companies, participating in sweepstakes and contests is a great option. Many stores and clothing brands have contests on their social media platforms, offering free clothing or clothing gift cards.

You can often find these by simply following your favorite stores and brands on social media – like Facebook, Twitter, and Instagram – to see when they hold a giveaway.

Another way to find sweepstakes and giveaways to enter is to search related hashtags on Twitter, Facebook, and Instagram. Many times, sweepstakes and giveaways are tagged with these hashtags in order to grow even more and so that people can find them. I used to enter giveaways all the time, and this is exactly how I would find giveaways to enter. Some hashtags to find free online clothing giveaways include:

#sweepstakes

#giveaway

#clothinggiveaway

#contest

7. Find money-making apps that will pay you in clothing gift cards

If you’re looking to add some new clothing to your wardrobe without spending a lot of money, you can try using money-making apps that give you free gift cards or PayPal cash.

This may include taking surveys and shopping online, you can earn points that can be redeemed for gift cards to popular clothing stores. Here are some apps to consider using for free gift cards:

Swagbucks is a popular site that rewards you for completing tasks, such as watching videos, taking surveys, and shopping online. You can earn points and redeem them for gift cards from popular stores, like Amazon, Target, Walmart, Adidas, and Under Armour, where you can purchase clothing.

American Consumer Opinion is a popular survey website where you can get paid around $1 to $5 (longer surveys pay more than shorter ones) for each survey you answer.

Branded Surveys is an online survey company that pays around from $0.50 to $5.00 per survey that you answer. Like with all survey companies that I recommend, it is free to join.

Fetch Rewards is a grocery rewards app where you can redeem your points for clothing gift cards. You scan your receipts from grocery shopping and earn points that can be exchanged for gift cards at various clothing stores, like American Eagle, Gap, Lululemon, Old Navy, and more.

Upside is a cell phone app that gives you cash back for using the gas stations that are listed in their app. You simply sign up for a free account, and then look at the Upside app to find gas stations located near you. With Upside, you can make up to $0.25 per gallon cash back at gas stations. You can then redeem your earnings for cash to your bank account, but also for free gift cards to H&M, Nike, Target, Walmart, and more.

Ibotta is an app where you can unlock rebates and rewards, go shopping, verify your purchases, and then get cash.

By using these apps, you can earn gift cards to clothing stores without spending a dime.

Related: 16 Real Ways To Earn Free Gift Cards (Amazon, Target, Visa)

8. Redeem credit card rewards points to put towards free gift cards for clothes

You can benefit from using your credit card rewards points to score free gift cards for clothes!

Many credit card issuers offer reward programs, which give you points for every dollar you spend. By accumulating these points, you can redeem them for various rewards, including gift cards to your favorite clothing stores.

The way that rewards credit cards work is that every time you use your credit card, you can earn points for spending money. Yes, spending money just like how you normally spend money.

Two rewards credit cards that I personally like include:

Note: Using credit cards for their rewards is only wise if you are a responsible credit card user. You do not want to add debt to your life to earn credit card rewards, as debt that gains interest is not free or worth it! You need to make sure you’re paying your credit card balance in full each month for the gift card rewards to be worth it so that you are not taking on debt that you don’t need.

9. Start a clothing blog or social media account

Starting a clothing blog or social media account can be a fun way to get free clothes to promote. By building a following, clothing brands may want to partner with you and give you free clothing.

To begin, choose a platform where you want to focus your time, such as starting a fashion blog or setting up an Instagram account. For example, if you’re passionate about taking pictures, Instagram can be a perfect platform for this. If you want to focus on writing, then a blog may be better. If you prefer video, then starting a YouTube channel or TikTok may be for you.

Next, you’ll want to focus on growing your audience. You can grow your following by regularly posting high-quality content and replying to comments.

Once you are ready, you can start reaching out to clothing brands for possible partnerships by sending emails or social media messages, telling them that you are interested in promoting their products and discussing how the collaboration can benefit the both of you. You may be asked to share statistics about your blog or social media account, including your follower count and engagement rate to show that the partnership would be worthwhile.

In addition to receiving free clothing, partnering with clothing companies can lead to other benefits, such as promo codes for your readers or even earning referral income for any purchases from followers made through your affiliate links.

You can learn how to start a blog in my free How To Start a Blog Course.

Note: Please keep in mind that being a trustworthy blogger or social media influencer means always disclosing when a post is sponsored or when you receive a product for free. Adding disclaimers is also the law when using affiliate links or sharing sponsored posts.

10. Get a job at a clothing store

When I was younger, I worked at a clothing store. If we beat our monthly sales goals, we were given a percentage of that in a gift card to the store. This was a great way to get free clothing!

Now, not all clothing stores have this perk, but you may be able to ask around and see if others do.

Another perk of working at a clothing store is the employee discount that you can get. As an employee, you typically receive a good employee discount – sometimes up to 50% off. This could be a great way for you to save money on clothes while earning a paycheck.

11. Reach out to a local nonprofit or charitable group

Many nonprofits or charitable groups offer free clothing to those in need.

Shelters, religious organizations, and other groups often have clothing banks available. Don’t be afraid to reach out to these organizations if you find yourself needing how to get free clothes for everyday or work.

12. School donation programs

Some schools and universities host clothing donation programs, which can help students who may be struggling financially.

You can keep an eye out for these events to get free clothes for yourself or your children. Schools might even have partnerships with local retailers, providing designer clothing at no cost, along with essentials.

I recommend reaching out to your school and asking what options are available for you.

13. Local yard sales

Yard sales are a great place to find cheap or even free clothes. Some homeowners may be willing to part with clothes for very cheap or free, especially towards the end of the day when they are packing up and they want to get rid of the items that are remaining.

14. Pregnancy and baby sample boxes

If you are pregnant, then you can probably get a free baby box filled with items you’ll want and need.

You typically get a free baby box when you create a baby registry. These boxes are often filled with free baby samples, such as a baby onesie, baby bottles, diapers, pacifiers, and more.

I got both the Amazon baby box and the Babylist baby box when I was pregnant, and they were both great and free! I simply created a registry through both sites (which is something that I was already doing), and I received the free baby box once someone purchased something off my baby registry.

In each, there was one baby onesie. So it wasn’t a lot of free baby clothing, but it was fun to receive and there were lots of other free items in the box as well.

Related: Best Baby Gear – Guide For New Parents

15. Refer friends to your favorite stores

Referral programs are offered by many online clothing companies, and this may get you some free clothing.

When you refer a friend to the website, both you and your friend often receive a discount or credit towards your next purchase. You can share your unique referral link with friends and family, or promote it on social media to reach a larger audience.

Some online stores which have a referral program include Lulus, Poshmark, ThreadUP, Stitch Fix, Rent The Runway, and many more.

Make the most of online shopping to get money to put towards clothes

When shopping online, there are ways that you can save money. While these won’t lead you to getting entirely free clothing, these tips can make clothing more affordable.

Use coupons and promo codes – Always keep an eye out for coupons and promo codes before making a purchase to save money on clothes. Websites, like Honey, often have promo codes available for online stores. This way, you can save on your purchases and have more money to put towards new clothes. You can install the Honey browser extension, which automatically finds and applies available coupon codes and promo codes when you shop online. Then shop like normal and when you’re ready to checkout, Honey will instantly find and apply the best coupon codes directly to your shopping cart.

Cash-back sites – Using cash-back sites is another smart way to save money on your apparel purchases. Rakuten offers cash back (up to 40% cash back!) for shopping at many different online retailers (they have thousands of options). Simply browse the Rakuten website, find stores you normally shop at, and earn a percentage of cash back for every purchase.

Loyalty programs – Signing up for loyalty programs can be a great way to earn points or rewards that can be put towards new clothes. Many clothing stores offer rewards programs for their customers. As a member, you can earn points with each purchase that can be redeemed for discounts or even free clothing items.

Shop at thrift stores and consignment shops – Thrift stores can be a great source of free or inexpensive clothes. There are even online thrift stores, such as ThredUP and OfferUp.

Frequently asked questions about how to get free clothes

Below, I answer common questions about ways to get clothing for free.

Where can I find free clothing giveaways?

One way to find free clothes that are being given away is to search for online giveaways and contests. You can find these by going to giveaway websites, or searching hashtags on Twitter and Instagram, such as #giveaway and #clothinggiveaway.

There are many if you want to learn how to get free clothes, such as reaching out to nonprofit organizations, shelters, and churches in your local area. You can also check out websites, like Freecycle.org or Craigslist, for listings of free clothing resources in your community. Also, joining local Facebook Groups for clothing swaps or free items may help you find free clothes near you.

How can I receive free clothes delivered to my door?

By participating in referral programs, product testing programs, or signing up for clothing site rewards, you can potentially receive free clothes delivered to your door.

How to get free items from SHEIN?

There are a few ways to get free Shein clothes, and this is a very popular question about how to get free clothes!

There is a Shein Free Trial Center where you may be able to test out outfits for free. You will have to write a product review for the item you get for free with the Shein product testing program.

There are also Shein giveaways on social media all the time that you can enter as well.

How do I manage to have a great wardrobe on a tight budget?

To have a great wardrobe on a tight budget, you may want to focus on versatile and timeless pieces that can be mixed and matched. This may include shopping sales, clearance sections, and secondhand stores to find affordable clothing items. You can also swap clothes with friends or attend clothing swap events to save money.

How can I get a lot of clothes with little money?

You can get a lot of clothes with little money by shopping at thrift stores, discount stores, and clearance sales.

How do I get free athletic wear?

Many running shoes have a product testing program for athletes and runners, such as the Saucony product testing program, Reebok product testing program, New Balance tester community, and the Nike product testing program.

These companies will need your shoe size and some other information from you before they can send you anything. There will most likely be an in-depth questionnaire for you to answer after you try the shoes.

In some cases, you will not be able to keep the shoes, just so you know.

How To Get Free Clothes Online Without Paying – Summary

I hope you enjoyed today’s article on my best tips and tricks on how to get free clothing. As you can see, there are many ways to get started!

Whether you are looking for free t-shirts, jeans, shoes, work clothes, or something else, there is plenty of free apparel if you look around.

With Facebook Buy Nothing groups, Craigslist, and Freecycle.org, you can connect with like-minded individuals and exchange items without needing to pay. Also, connecting with friends, family, and online communities by organizing clothing swaps, working with money-making apps that offer gift cards, and blogging or engaging on social media can lead to free clothing items as well.

Remember, when you maximize your online shopping by using loyalty programs, cash-back apps, referral programs, and coupons, you’ll have more money to put towards new clothing items.

Do you know how to get free clothes? What’s your favorite way?

Source: makingsenseofcents.com

Posted in: Money Management, Money Tips Tagged: 2, About, affordable, All, Amazon, app, Apps, ask, baby, baby gear, baby registry, balance, Bank, bank account, banks, bar, before, Benefits, best, birthday, Blog, Blogging, Budget, building, Buy, cash, cash back, cents, Children, city, Clean, Clothes, Clothing, codes, collaboration, communities, community, companies, company, consignment, contest, cost, couch, coupons, craigslist, Credit, credit card, credit card rewards, credit cards, Debt, dining, dining room, Discounts, display, Eagle, earning, earnings, engagement, Essentials, events, facebook, Family, Fashion, Financial Wize, FinancialWize, first, food, Free, free stuff, Freebies, fun, gap, gas, gas stations, get started, gift, Gift Cards, giveaway, Giveaways, Giving, goals, good, great, grocery, Grocery Shopping, Grow, guest, guide, hacks, hold, home, homeowners, How To, How to start a blog, in, Income, Instagram, install, interest, items, job, Law, Learn, Life, Links, list, Listings, lists, Live, Living, living room, Local, Loyalty Programs, Make, making, manage, Media, member, men, money, Money Management, More, more money, neighborhoods, neighbors, new, new parents, nike, offer, offers, OfferUp, online shopping, Opinion, or, organize, organizing, Other, packing, parents, Partnerships, paycheck, paypal, place, points, Popular, products, programs, project, Purchase, quality, questions, random, rate, reach, read, ready, refer a friend, Rent, Review, reward, rewards, rewards credit cards, Rewards Programs, right, room, running, safety, sales, save, Save Money, School, schools, score, search, searching, secondhand, shopping, shopping at thrift stores, simple, Sites, smart, social, Social Media, space, Spending, statistics, students, survey, surveys, swagbucks, target, thredUP, thrift, thrift stores, TikTok, time, tips, tips and tricks, title, town, tricks, Twitter, under, unique, Video, visa, walmart, wardrobe, Websites, will, women, work, working, Yard, youtube

Apache is functioning normally

August 20, 2023 by Brett Tams

Summer, summer, summertime. There’s really nothing like it. And, on a scorching summer day, what could be better than kicking back by the pool, catching a few rays and riding out the heat with a few of your closest friends?

So, you want to throw a pool party that everyone will remember? Follow the expert tips below and set the new standard for summertime fun by throwing the most memorable pool party of the year.

Test your pool water

“Remember to test your pool water in the days leading up to your pool party,” urges a pool expert at Leslie’s.

This is “to ensure it’s safe and healthy for all. If your pool water isn’t clean, clear and sanitized, the pool party will not be fun for anyone!”

“Once you’re ready to party, you can add outdoor furniture, waterproof speakers, refreshments, snacks, games and cool pool floats to your backyard and pool!”

Create a welcoming ambiance

“Set the mood for your nighttime pool party with an impressive light show,” suggests Hannah Eubank of Pool Sharp TX.

“Most pool lights with automation have pre-programmed party modes where the lights create unique color patterns. From Mardi Gras to Independence Day themes, you can find something to suit your pool party vibes.”

Find what floats your boat

Christy, from the Happy Family Blog, suggests “having lots of fun colorful floats. Floats are a fun way to set the mood for the party. We also love to use them to serve things like popsicles or drinks on a bed of ice.”

Curious about the best pool floats? Find Christy’s picks on her blog.

Help yourself to some helium

“As summer heats up, you’ll need eye-catching décor and party supplies to create the perfect poolside event,” explains Dianne Pavek of Mayflower Distributing.

Encouraging creativity, Dianne went on to say, “Air-filled latex balloons can be assembled into countless displays! Colorful balloon animals, like dogs or swans, can float in the pool. Balloon columns and organic arches can also help showcase your event.”

Prioritize safety

“Pool party safety should be your number one concern,” explains Abe Breuer, CEO of John To Go and VIP To Go.

“You want people to be safe. Not only do unsafe conditions and accidents put people at risk, but they also eliminate the ability to have carefree fun. Try to get a trained lifeguard to attend the party. If it’s more of a demure, adult party, just having a licensed lifeguard is enough.”

Abe went on to explain how you should take extra precautions with youths, “If you’ll be having teens or young kids over, you may want to hire a lifeguard who has experience in keeping that demographic compliant with safety rules. Other adults, who are not attending for the express purpose of lifeguarding duties, may become distracted by the festive goings-on and/or the social aspect. Also, make sure that you have all the proper safety gear needed in a pool area such as non-slip grids, flotation devices, a first aid kit, a designated phone for emergencies and well-lit areas.

Abe wrapped up his thoughts by saying, “Finally, keep temps and sun exposure in mind. A pool party is not just about water safety. Make sure you have plenty of water on hand to keep dehydration at bay and set up a sunscreen station so all your guests can slather themselves in a coverup to prevent heat burns.”

Additional pool party safety tips:

Prohibit headfirst diving

Don’t allow tandem jumping

Prohibit breath-holding games

Avoid pool drains

Make sure at least one person attending the party is sober

If you’re in a communal pool, try to limit your party to one area

If you’re going to be hosting pool parties regularly, get CPR certified

Enjoy the warm weather

When it comes to beating the heat on a long summer day, nothing beats a pool party with your friends. Follow the advice above and enjoy a summer filled with the most memorable pool parties of your life.

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com

Posted in: Growing Wealth Tagged: About, advice, agencies, aid, air, All, at risk, atlanta, automation, Backyard, bed, best, Blog, CEO, chicago, Clean, clear, coffee, College, color, content marketing, couple, creativity, dogs, event, experience, experts, Family, Financial Wize, FinancialWize, first, fun, furniture, games, great, guests, guide, healthy, heat, How To, hunting, ice, in, independence day, kids, Life, lights, Make, Marketing, More, Move, new, or, Other, outdoor, park, parties, party, patterns, pool, popsicles, reading, ready, Rent, risk, safe, safety, social, South, South Carolina, suburbs, summer, tips, Tips & Advice, tx, unique, warm weather, weather, will, working, young

« Previous 1 … 41 42 43 … 210 Next »

Related Articles

Color palette

Textures

Furniture

Decor

Brands

36 Places Where You Can Sell Your Stuff

1. Craigslist

2. Facebook Marketplace

3. Amazon

4. eBay

5. OfferUp

6. Poshmark

7. Etsy

8. thredUP

9. eBid

10. Bookoo

11. Vinted

12. Vestiaire Collective

Ready for a Better Banking Experience?

Open a SoFi Checking and Savings Account and start earning 1% APY on your cash!

13. TheRealReal

14. Rebag

15. Bag Borrow or Steal

16. PreOwned Wedding Dresses

17. Garage Sales

18. Flea Markets

19. Buffalo Exchange

20. Crossroads Trading

21. Plato’s Closet

22. Style Encore

23. Once Upon a Child

24. Play It Again Sports

25. Music Go Round

26. Local Thrift Stores

27. Used Book Stores

28. BookScouter

29. GoTextbooks

30. DeCluttr

31. Gazelle

32. Pawn Shop

33. Facebook Groups

34. Nextdoor

35. Instagram

36. A “Raid My Closet” Event

What Are the Benefits of Selling Your Things?

Keeping Your Cash in a SoFi Savings Account

The FAQ

What is a good website to sell stuff on?

How do I sell my stuff online for free?

What is the best app for selling used items?

Why real estate listing photos are so important

10 expert tips for standout home listing photos

1. Create an inviting atmosphere

2. Balance techniques and artistry

3. Add drone and twilight photography

4. Focus on framing

5. Capture the entire space in one frame

6. Illuminate the home effectively

7. Schedule shoots during mornings or late afternoons

8. Remember the important of editing

9. Tell a story with listing photos

10. Don’t forget to clean and declutter

A final note on capturing stunning real estate listing photos

Apparel and Accessory Gifts for College Students

1. Backpack

2. Messenger Bag or Tote Bag

3. Activewear

4. Gym Bag

5. Outdoor Winter Gear

6. Waterproof Gear

7. College Hoodies/Sweatshirts

8. Loungewear

9. Professional Attire

Ready for a Better Banking Experience?

Open a SoFi Checking and Savings Account and start earning up to 4.50% APY on your cash!

Dorm Room Gifts for College Students

10. Bedding/Blankets

11. Basic Kitchenware

12. Laundry Basket