Witness the pinnacle of opulence, ingenuity, and artistic brilliance as Kohler, the global frontrunner in kitchen and bath solutions, introduces its highly anticipated third Experience Centre in India on August 11. Nestled in the vibrant heart of Bengaluru, at Trinity Circle on MG Road, the Kohler Experience Centre (KEC) sprawls across an expansive 10,000 sq. ft, promising an unparalleled wellspring of inspiration for elevating bath space decor, where luxury transcends boundaries. Serving as a haven of immersive encounters, the KEC beckons architects, designers, and consumers alike to engage with products, exchange creative ideas, and embark on personalized ventures imbued with their unique aesthetic sensibilities.
David Kohler, Chair and CEO of Kohler Co, expressed, “KEC Bengaluru marks the third installment in India and the thirteenth globally, underscoring our unwavering dedication to providing extraordinary experiences for our esteemed customers in India. As we celebrate our 150th anniversary, we remain committed to serving our customers through targeted investments, robust distribution, and the offering of distinctive products tailored for India. We eagerly anticipate welcoming the creative community to explore and draw inspiration from the boundless possibilities of transforming their spaces into havens of style, functionality, and unparalleled quality.“
Salil Sadanandan, President of K&B South Asia and Asia Pacific at Kohler, further elaborated, “At the Kohler Experience Centre, innovation, design, and craftsmanship converge to craft a unique encounter. We are confident that this new space will become a realm of luxurious indulgence and synonymous with refined living. It will empower our consumers to explore an array of cutting-edge solutions for bath spaces, meticulously customized to resonate with their design preferences.“
The KEC bears exceptional significance as it breathes life into Kohler’s 150th-anniversary celebrations under the theme of “Come All Creators.” Beyond showcasing captivating creations from artistic collaborations with talents spanning India, the USA, Brazil, and China, the center features five inspirational suites envisioned by renowned Indian and international architects: Talati and Partners LLP, DSP Design associates, Miaja Design Group, Fab Designs, and Venkataramanan Associates. These suites are meticulously conceived to display the limitless possibilities in luxury bathrooms, each presenting Kohler’s finest products within a distinctive thematic context.
Vishal Chadha, Managing Director of K&B for India and South Asia at Kohler, enthused, “We are genuinely thrilled to unveil the doors to this distinctive space, where Art, Technology, and premium bath products harmoniously merge. Through the Experience Centre, our vision is to inspire consumers and empower them to transform their dreams into reality.“
The Bengaluru-based KEC proudly showcases a series of artist-edition sinks, reflecting Kohler’s dedication to collaborating with artists and infusing artistry into their products. These handcrafted decorative sinks transcend mere aesthetic appeal; they are meticulously crafted from premium materials and draw inspiration from cultures and heritage across the globe, rendering them as distinct as their homeowners. Notable mentions include “Aranya” and “Quila” by Pushpa Kumari and Padma Shri Jai Prakash, respectively, showcasing Mithila and Miniature painting styles, leaving an indelible mark at the forefront of KEC Bengaluru.
Embodying Kohler’s rich legacy in colors, the KEC radiates a harmonious blend of India-inspired hues, such as Thunder Grey evoking the monsoon’s spirit, Peacock reminiscent of India’s national bird, and Indigo capturing the essence of natural dyes. Global finishes like Rose Gold and Matte Black enhance the allure of the KEC, bearing testament to the brand’s color-centric heritage since 1927. These finishes serve to enrich bath spaces while fostering a sense of unity and delight.
The Experience Centre stands as a treasury of live, fully functional displays showcasing an array of showers and Intelligent toilets, alongside a selection of the most innovative, design-forward products sourced both globally and regionally. Among the highlights is the Statement showering system, which redefines indulgence through its opulent spray functions, creating immersive environments for rinsing, massaging, and rejuvenating. The Anthem digital controls offer preconfigured hydrotherapy journeys that introduce new dimensions of wellness to daily routines. Additionally, the live area boasts an exquisite collection of bathtubs in diverse shapes and sizes, harnessing the power of water to calm the mind, refresh the body, and revitalize the spirit.
The housing market will remain subdued until the Federal Reserve starts cutting rates next year, according to economists and housing pros following the central bank’s Wednesday announcement to leave the benchmark rate unchanged in the target range of 5.25%-5.5%.
Until interest rates come down, affordability challenges will continue to put first-time buyers on the sidelines, housing industry observers said. Real estate experts reiterated caution against further rate increases.
While Fed Chair Jerome Powell emphasized incoming data will determine whether the central bank will raise its federal funds rate at its next FOMC meeting in November, the “dot-plot” of rate projections showed policymakers foresee one more hike by the year-end. The bulk of central bank officials expect to have interest rates finishing the year at around 5.6%.
In an elevated rate environment, the lack of inventory continues to be the biggest challenge for many potential buyers, the Mortgage Bankers Association said.
“While homebuilder sentiment is clearly impacted by the recent surge in mortgage rates, permits for single-family homes provide a positive outlook for the pace of construction in the year ahead. If mortgage rates trend down in 2024 as we anticipate, the combination of more homes for sale and somewhat lower rates should support stronger purchase volume,” Mike Fratantoni, SVP and chief economist at the MBA.
The MBA expects mortgage rates should begin to reflect that the Fed’s moves in 2024 will be cuts – not further increases. MBA’s mortgage finance forecast projected the 30-year fixed mortgage rate to decline to 5.4% in 2024 and 5.1% in 2025.
Powell also noted in a press conference that because people locked in “very low rate mortgages, even if they want to move now, that would be hard because the new mortgage would be so expensive.”
Rates are most likely to stay elevated until 2024, said Danielle Hale, chief economist at Realtor.com,thus putting a damper on the number of home sales transactions.
“Higher mortgage rates have radically altered homebuyer purchasing power and have been a key factor in existing home sales dropping from a more than 6.5 million unit pace in early 2022 to the roughly 4 million unit pace in recent months,” Hale said.
More importantly, higher mortgage rates continue to keep existing homeowners sidelined, with as many as one in seven buyers out of the market because they don’t want to borrow at today’s much higher rates, Hale noted.
Short-term mortgage rate movement
In the short-term, mortgage rates are likely to bounce around a bit as the markets digest upcoming economic data, Melissa Cohn, regional vice president of William Raveis Mortgage, said.
Incoming data of job and CPI reports next month will provide more clarity on how strong the economy is. Reports on jobs and inflation will be released on October 6 and October 12, respectively.
“If the data reveals that inflation remains elevated and employment is still growing, then mortgage rates are likely to move up and we can look for what we hope to be the last rate hike of this cycle,” Cohn said.
The rapid ascent is mostly behind us but it will be a while before the economy sees any sign of a gradual descent, Marty Green, principal at mortgage law firm Polunsky Beitel Green, added.
“In my view, this means the mortgage interest rate environment will continue to bounce sideways through the next several months,” Green said.
Mortgage rates have been on an upward trend this year with rates in August surging to 7.23%—the highest since 2001.
Fed officials expect interest rates to be at 5.1% in 2024, up from the 4.6% projected in June. Officials expect fewer cuts in 2025 with the median estimate for the benchmark rate to be at 3.9%, up from 3.4%.
The committee raised its projections for growth, and is looking for a better-than-expected labor market as well, with the jobless rate peaking at 4.1%, rather than 4.5%.
Pushback against further rate increases
With two more scheduled FOMC meetings in November and December, housing experts cautioned against further rate increases.
The Fed must consider the potential economic damage arising from any future rate hikes, Lawrence Yun, chief economist at National Association of Realtors, reiterated his position.
“Commercial real estate has come under stress from higher interest rates, which will further negatively impact community banks due to their large exposure to the sector. Therefore,the Fed needs to wait and not raise rates. Possible interest rate cuts then need to be considered once inflation is fully under control,” Yun said.
Overall data point to an accelerating slowdown but continues to be mixed because of some lagging indicators, Green noted.
Unemployment rates and the CPI component lags measures of market rents by around a year.
“With rates elevated into restrictive territory, I expect the Fed to be patient and hold off on any additional increases until it becomes clearer that an additional rate hike is warranted,” Green said.
Past Ginnie Mae president Ted Tozer has argued that the FHA should lower or completely eliminate its current 3.5% down payment requirement.
He discussed the controversial take during a Community Home Lenders of America Roundtable in Washington, D.C. earlier this week, per Inside Mortgage Finance.
This isn’t the first time he’s floated the idea of turning the FHA home loan program into a zero-down-payment program.
In the past while arguing this same position, he noted that the Bush administration even proposed such a change all the way back in 2004.
The question is does this invite more risk at a time when home prices and mortgage rates are already out of reach for most?
Most FHA Loan Borrowers Need a Minimum 3.5% Down Payment
At the moment, FHA loan borrowers need to scrounge up 3.5% of the purchase price when buying a home, assuming they have a 580 FICO score.
Those with scores between 500 and 579 need at least a 10% down payment.
While this is seemingly a pretty low bar, it still acts as a roadblock for many prospective home buyers, especially low-income borrowers with little savings.
According to a semi-recent Federal Reserve study, the average American household had about $42,000 in savings.
But if you break it down by age, those under 35 only had $11,250 and those 35 to 44 only about $28,000.
A home purchase, even with a small down payment, could easily wipe out these accrued savings. And remember that these numbers are an average.
Many households have much less, which is why they’re probably still renting if their desire is to own.
Tozer has argued that after accounting for rent, taxes, food, utilities, and other necessities, prospective first-time home buyers have little left to save for a down payment.
The FHA Minimum Down Payment Was Increased in 2009
If you recall, the FHA Modernization Act of 2008 resulted in the FHA minimum down payment rising from 3% to 3.5%.
It also banned seller-funded down payment assistance, which correlated with much higher default rates on FHA loans.
Ironically, these types of loans resulted in a near-$5 billion loss for the FHA and put the entire program at risk.
Around that time, some lawmakers argued for even higher down payment requirements, such as a minimum of 5% down. That didn’t happen.
Back then, the big argument was about having skin in the game, as those with little invested had no problem walking away from an underwater mortgage.
That’s why the timing of this idea is a bit of a head-scratcher, with home prices at/near all-time highs and mortgage rates more than double their early 2022 levels.
While it isn’t quite 2006 all over again, there has been a lot of speculation in the housing market and prices are certainly not cheap.
The saving grace is that most homeowners hold boring old 30-year fixed-rate mortgages at ultra-low rates this time around.
And zero down loans are generally few and far between, other than homebuyer assistance offered by some state housing finance agencies (HFAs).
What’s the Argument for a 0% FHA Loan Today?
At the moment, you need a minimum 3.5% down payment to obtain an FHA loan, slightly more than the minimum 3% required on conventional loans.
Interestingly, you used to need 5% down to get a conventional loan before they introduced 97% LTV offerings in 2014.
This 3.5% is also significantly higher than what’s required for other government-backed home loans.
Tozer pointed out that both VA loans and USDA loans don’t require a down payment (100% financing OK!).
The thing is those loans are reserved for members of the military or those buying in rural areas, respectively. Conversely, FHA loans are much more widely available.
Regardless, he argues that underwriting should focus on a borrower’s credit history as opposed to the down payment.
But if we recall from the prior mortgage crisis, credit scores got a big share of the blame for the sharp rise in defaults.
So relying on credit score alone might not be the best policy either. While defaults certainly rise as credit scores fall, a holistic approach is best when formulating underwriting standards.
This means looking at layered risk, such as credit score, down payment, DTI ratio, employment history, and more.
The Skin in the Game Is the Cost to Relocate
As for skin in the game at zero down payment, Tozer said the skin is the cost to move.
In other words, once low- and moderate-income homeowners move in, it would cost them way too much to relocate.
And this is apparently what would keep them there. While that might be true, would they continue making payments?
Tozer’s proposal is unlikely to materialize as it would require Congress to act at a time when housing supply is already dismal and affordability historically low.
However, there is other proposed legislation that would offer 100% financing to first responders who need a mortgage, via the HELPER Act of 2023.
In the meantime, other options already exist to get an FHA loan with zero down.
As noted, many state HFAs have programs that offer deferred-payment junior loans that cover the down payment and even the closing costs.
There are also private lenders that offer FHA with zero down, such as the Movement Boost from Movement Mortgage, which relies on a repayable second mortgage.
So options already exist without the need for an across-the-board elimination of the FHA’s down payment requirement.
Do you know who your neighbors are? According to the Pew Research Center, 57 percent of Americans say they know some of their neighbors. Whether you frequently talk to your upstairs neighbor or you only see your next-door neighbor on occasion, being a good neighbor is important in establishing yourself as part of the neighborhood and community.
1. Learn the three-step rule
“Our best tip to be a good neighbor is a simple three-step rule: Respect, communication and responsible pet ownership!” says 10 Stars Property Management. “In almost any situation respecting others’ space is a good base for any relationship. Especially with someone living right next door. Just be social and communicate with your neighbors — even just a smile goes a long way! Finally, always be conscious of your pets and their actions. No one wants to step into poop!”
2. Consideration goes a long way
“Being a good neighbor means being considerate of people,” says Nick Slagle of HomeRootsPM.com. “They take care of the appearance of their home and simultaneously are willing to help those in their neighborhood. Good neighbors are friendly and welcoming without being intrusive.”
3. Introduce yourself
“The best way to build into a good neighbor? Introduce yourself!” says Jim Shonts, real estate broker and owner of PMI Elevation. “Neighborhoods can thrive on a sense of community, and getting to know your neighbors soon after moving can help you settle in. And, since not all people are outgoing, those early introductions can give insight on how to respect their personal space.”
4. Show interest
“Whether you are moving in or welcoming a new neighbor, show interest in them by allowing the interruption in your day to greet each other when the opportunity arises,” says Sallie Plass from Etiquette Enrichment. “Ask for or suggest ways to get involved in the neighborhood or community. Intentionally smile, exchange names and phone numbers.”
5. Stay kind
Dr. Lew Bayer, CEO of Civility Experts Inc. suggests that a good neighbor should try to “ease the experience” of the others. “This means try to reduce stress and offer support versus causing stress, e.g. if the neighbor leaves the garage door open, let them know. If the neighbor’s dog barking bothers you, ask if you can give the dog a toy or bone. Turn your music down when you see your neighbor come home. Shovel the neighbor’s walk when you shovel yours. Just do what you can to stay kind…everyone is busy and tired and sometimes struggling. Try to assume the best of people and try to make their life easier versus harder.”
6. Treat your neighbor
“A few days after the new neighbors move in, knock on the door to meet them and include a small plate of homemade cookies or muffins or a seasonal plant (for example, a potted chrysanthemum in the fall) and a sticky note with your name and phone number if they need anything,” says Rachel from the Etiquette Trainer. “Additionally, if there’s a neighborhood Facebook page, let them know about it and encourage them to contact you if they need to borrow anything while settling in, such as a ladder or hand tools.”
7. Prioritize respect
“The adage, ‘Good fences make good neighbors’ still holds true,’” says Diane Gottsman, a national etiquette expert from The Protocol School of Texas, “It’s important to be respectful of each other, especially when sharing a fence, trees hanging over the roof, drainage coming into the other person’s lawn and an assortment of dilemmas. If you are experiencing an issue, reach out in person, and address the issue in a pleasant tone of voice with an open attitude and collaborative spirit. People are much more willing to work with someone who has a smile on their face and shows an effort to get along.”
“If there is a problem that cannot be dealt with neighbor-to-neighbor, the HOA may need to get involved. When renting, talk to the landlord first before going over their head. A good neighbor respects each other’s property, pets and privacy.”
8. Just say hi
“I think being a good neighbor starts by knowing your neighbors. I make sure to say hello every day. Whether it’s a good day, bad day or if I’m in a rush, I believe acknowledgment goes a long way and eventually, that helps cultivate a deeper and better neighbor relationship,” says Pamela Syvertson, broker and owner of Verandah Properties.
9. Model how you’d like to connect with your neighbors
“Challenge yourself to reach out to a neighbor you wouldn’t normally connect with and set the tone in how you want to connect with them,” says Daniel McArdle-Jaimes, the Strategic Communications Officer for the Office of Community & Civic Life in Portland, OR. “Maybe your neighbor is from another country or is a different age than you. Start by introducing yourself and developing a relationship to help make your block a more welcoming place for all. And who knows? You might make a new friend or regular lunch buddy!”
“Also — during and after an emergency, neighbors offer a powerful source of help. Organizing a neighborhood meeting or training through an organization to discuss emergency plans and personal safety is a wonderful way to build community. Many cities offer free resources, like the City of Portland’s Neighbors Together training, which help to start and host these important safety conversations.”
10. Remember empathy
“In addition to following the rules of your community, being a good neighbor requires empathy,” says Stayce Wagner, founder and CEO of Spencer Crane Etiquette. “The ability to see things from your neighbor’s perspective helps you behave with kindness, consideration and respect. A good neighbor cleans up their dog’s poop, doesn’t blast music in the middle of the night and never parks in a neighbor’s assigned space without permission.”
“Additionally, if making small talk with people in your neighborhood is outside your comfort zone, start with a smile, eye contact and a friendly hello. When you feel more comfortable, introduce yourself to the neighbors you see regularly and let things develop naturally. Every introduction won’t lead to a close friendship, but you’ll have established friendly contact.”
11. Talk like adults
“The best advice we can give as a management company is that if you have an issue with a neighbor, you go visit them directly and discuss it in an adult manner. Try this approach first before contacting law enforcement, HOA’s or management companies,” says David Peschio, owner and principal broker at PMI Richmond. “It usually can be resolved without escalation and helps maintain good relationships moving forward.”
12. Remember their name
“Being a good neighbor isn’t difficult, but you need to put a little effort into it to have happy neighborly relations,” says Arden Clise, President of Clise Etiquette and author of Spinach in Your Boss’s Teeth: Essential Etiquette for Professional Success. “When a new neighbor moves in, drop by with some cookies, a plant or some small gift to introduce yourself and welcome them to the neighborhood. Be thoughtful. If you’re shoveling your walk of snow, clear your neighbor’s walk, as well. If you have a neighbor who is elderly, sick or struggling in some way, check in on them and see how you can be helpful. At the very least, make an effort to remember their name and say hello when you see them.”
13. When in doubt, act neighborly
“Remember — be kind. To yourself, to your neighbor, their kids, their pets and their plants and trees,” says Felipe Quintana from Charter for Compassion. “Be forgiving: We all make mistakes — aim to be the best version of yourself. Allow everyone their space but stay there for them on the sidelines if they need a friend. It all comes back in the end!”
14. Keep it friendly
“Being a good neighbor means being friendly and helpful, without being intrusive. Giving a wave and a hello with sincerity is felt and appreciated,” says Mary Ann Brennan, the Director of Rental Services for Del Val Realty & Property Management.
“Love your neighbor as yourself, but don’t take down the fence.” — Carl Sandburg
When you’re looking for a new place to live, make sure to ask your future landlord or property management company about the local community. While you can’t pick who your neighbors are, you can ask questions to get a sense of who could be living next door.
Charlsie Niemiec has spent the last 10 years working as a content marketing and social media editor and strategist. With in-house experience ranging from The Elf on the Shelf to CNN to Piedmont Healthcare, Charlsie has freelanced for the last four years with clients ranging from ESPN to the Atlanta Beltline. When she’s not copyediting or scrolling on Twitter, she is walking her very scruffy wirehaired terriers mixes Leonard and Biscuit or probably watering one of her 54 houseplants.
According to the Lost & Found survey by Pixie, nearly one in four Americans misplace their house or car keys twice a week. Having a spare key is quite handy if you find yourself locked out of your apartment.
Where do you hide a spare key when you live in an apartment?
Hiding a spare key in your car or at a house is typically pretty easy, but knowing where to hide a spare key for an apartment is trickier. After all, there aren’t as many nooks and crannies where a spare key can go. Plus, you want to make it easy to find but not obvious to anyone who might be looking for it. However, with a little creativity, there are some great spots where you can hide a spare key for your apartment.
1. Tuck it in your décor
If you routinely decorate your apartment entrance, this could provide an ideal hiding place for your spare key. For instance, you could tape it inside your door knocker or attach it to your wind chimes. If you change out your décor to reflect the season or holidays and tucked your spare key in a wreath or other item, don’t forget to move it from the old décor and place it in the new.
2. Put it in a fake rock along the walkway
Fake rocks are a great option for hiding a spare key for your apartment. However, you shouldn’t place those fake rocks just anywhere — you don’t want to set one near your doorway because it will look out of place, immediately grabbing the attention of would-be thieves. A better location is the landscaping along the walkway to your building or alongside the building. Placing it on the ground among other rocks or under shrubs will camouflage your container. The goal is to make sure it looks natural wherever you place it.
3. Slip it in a magnetic key box under a staircase
Many people often slip a spare car key into a magnetic key box and hide that box somewhere in their car. You can use this same technique by putting your spare apartment key in a magnetic box and hiding it under a metal staircase. Or, you could attach it to the back of a light along the lighted corridor. Another good spot is on the rear of a metal gutter. Essentially, any magnetic surface will work, but make sure it’s not a spot that others may access often. For instance, don’t put it near electrical boxes that may require routine maintenance.
4. Hide it among your outdoor furniture
If you have a patio that’s easily accessible from the exterior of your apartment, you could hide a spare key on the furniture. Tape it under a chair or under your storage box for cushions. Another option is taping it to the underside of your barbecue grill. If you do, check the adhesive on the tape periodically to make sure it’s still securely taped to the grill. A birdhouse is another good hiding spot. Slip your key in there for when you need it, but make sure it’s easy to get out. Just skip the obvious places like under a potted plant or doormat.
5. Stash it under a balcony or deck
For apartment buildings with balconies or decks, you can stash a key in the nooks and crannies underneath the structures. When placing a spare key, check to make sure it won’t fall out easily or get washed away when it rains. Depending on the structure, you might be able to drive a nail into one of the wood posts and hang the key on it.
6. Leave a spare key with your neighbor
If you have a neighbor you know and trust, ask them to keep a spare key to your apartment. Not only will this be handy if you actually lock yourself out of your apartment, but they can help you out if you need someone to put a delivery in your apartment or check on your pets while you’re gone.
Where not to put a spare key for your apartment
When hiding a spare key for your apartment, skip the obvious spots that a would-be burglar may check. These include under the doormat, in or under a potted plant near the door or along the door jam. Although your apartment key would be out of sight, it likely wouldn’t be out of mind for someone trying to gain access to your apartment.
Also, while a fake wall socket or fake clock with a safe can provide a great hiding place, you need to install them in the wall, meaning you’ll need to cut a hole in the wall to place it. If you want to try this option, make sure you talk to your landlord before you make permanent cuts.
The right spot for the spare key for your apartment
Figuring out where to hide a spare key to your apartment might seem difficult at first, but it might be easier than you think. Take a look around your apartment and building and see what good hiding spots you can find. From a metal staircase to a flowerbed to the lights in your hallway, you’ll be surprised at how many places you can find to hide a spare apartment key.
An experienced freelance writer, Karon Warren has covered home and real estate topics for more than 20 years for such outlets as Curbed Atlanta, Apartment Therapy, RealTrends and HotPads.com. She is a member of the American Society of Journalists & Authors.
Collecting and trading Pokémon cards has been a popular hobby since the 1990s for both children and adults. In fact, as a kid, I was obsessed with Pokémon cards. I enjoyed opening new packs, collecting cards, and trading with my friends. And, I know I’m not alone. So many people have enjoyed Pokémon cards over…
Collecting and trading Pokémon cards has been a popular hobby since the 1990s for both children and adults.
In fact, as a kid, I was obsessed with Pokémon cards. I enjoyed opening new packs, collecting cards, and trading with my friends. And, I know I’m not alone. So many people have enjoyed Pokémon cards over the years as well.
As the value of certain cards continues to rise, finding the best places to sell your collection of Pokémon cards is more important than ever.
Whether you’re looking to make some extra cash, simply downsize your Pokémon card collection, or if you are decluttering everything you own and find a long lost box of childhood mementos, knowing where and how to sell your Pokémon cards can be important to make the most money.
In this article, I’ll discuss some of the best places to sell Pokémon cards online and locally and provide tips on how to price and present your cards in the best way.
Quick Summary
Identify and evaluate the value of your Pokémon cards before selling. Some cards are worth way more than others. For example, one card may be worth $0.10, and another may be worth over $100,000.
Look at your different selling options to see how you can get the most money.
Learn effective selling tips and strategies for presenting your cards to potential buyers.
How To Sell Pokemon Cards
Selling your Pokémon cards can be an exciting and profitable way to make money, especially if you have rare, holographic, or near-mint-condition cards in your collection.
To help you make the most profit, follow these tips to find the best places to sell your Pokémon cards. Before starting your Pokémon cards selling journey, it’s important to know your cards’ condition, rarity, and type.
Related: How I Made $40,000 In One Year Selling Items
Near-mint cards with no creases, scuffs, or whitening edges tend to have a higher value. Also, rare and holographic cards, like the famous Charizard, are highly wanted by fans, collectors, and trading card game enthusiasts, making them valuable in the Pokémon card market.
To figure out how rare your Pokémon card is, look for the symbols in the bottom right corner of your card and if you have a lot of cards, then you should become familiar with the Pokémon card rarity indicators, as well as the different sets and booster packs in which your cards were released.
For more accurate valuations, you may even look for professional grading services, such as Professional Sports Authenticator (PSA). They evaluate and grade cards based on their condition, ensuring buyers of their authenticity and quality.
If you’re selling Pokémon cards online, make sure to take clear, high-quality pictures that showcase your cards’ condition, as this will give potential buyers a better idea of what they’re purchasing.
By following these tips and tricks, you’ll be prepared to sell your Pokémon cards and get the most amount of money.
Best Places To Sell Pokemon Cards Online
There are many ways to sell Pokémon cards online. Here are some Pokémon selling sites to start with:
1. eBay
eBay is one of the most popular marketplaces for selling Pokémon cards due to its large reach of customers around the world.
I did a quick search on eBay and there are currently over 160,000 Pokémon cards for sale – so they definitely have a huge market!
You can choose to sell your cards through auctions or fixed price listings. When selling on eBay, be mindful of the seller fees and PayPal fees that will be deducted from your earnings. Shipping will also be another cost.
eBay is especially good for selling valuable cards, such as holographic cards or rare Charizard cards. To reach a wider audience and increase the chances of a successful sale, make sure you write detailed descriptions and add high-quality photos of your cards so that people are more likely to click on your listing.
2. Troll and Toad
Troll and Toad is an online store that specializes in collectible card games, such as selling Pokémon cards and they have been around for over 25 years.
They offer a buy list where you can sell your cards for cash or store credit. To sell on Troll and Toad, simply use their search bar to find the cards you want to sell, add them to your cart, checkout, and then ship your cards to them.
This is a great feature of Troll and Toad – the fact that you can see the exact cards they will accept and the exact amount that they will pay you for each Pokémon card. As you will learn below, many of the Pokémon card selling websites have this same feature, which is so helpful!
After you complete the list of cards that you plan on selling to them, you will print out an invoice that they give you, and then choose a payment method. Then, you will ship your box of Pokémon cards to them. Once they receive the package, they will verify the cards that you have sent to make sure they are in the correct condition as you stated. After that, they will pay you.
Troll and Toad also accepts Pokémon cards in bulk.
Keep in mind that they may be selective about the cards they accept, so it’s important to research and determine the value of your cards beforehand.
3. Mercari
Mercari is a site where you can quickly set up an account and start selling your used items, such as Pokémon cards. This site is not dedicated to just Pokémon cards, but they do have many listed and it is an easy option for Pokémon collectors.
There are well over 1,000 Pokémon cards listed on Mercari.
It’s important to create persuasive listings with photos and a relevant, detailed description, and include relevant keywords related to Pokémon cards. (Remember, they don’t just sell Pokémon cards, they also sell clothes and other items, so keywords are important!). Also, Mercari takes a minimum 10% fee from each sale you make on their platform.
4. TCGplayer
TCGplayer is a popular site with card game collectors in the U.S. and Europe.
People love selling on this site because they say it’s easy to use and they have great customer service.
To sell Pokémon cards on TCGplayer, simply list your cards on the TCGplayer marketplace, set your prices, and wait for potential buyers to purchase them. The marketplace handles the transactions, making the selling process easy.
Note: You will have to pay a commission fee of around 12–13% for each sale you make on TCGplayer, and you might also have shipping costs.
Here’s a quick guide on how to sell Pokémon cards on TCGplayer:
Create a seller account – You will need an account to get started selling Pokémon cards.
Set up your inventory – Once your seller account is created, you can start listing your Pokémon cards for sale. Enter details like the card’s name, set, condition, and quantity available.
Pricing your cards – Decide on the prices for your Pokémon cards. You can either manually set the prices or use TCGplayer’s automated pricing tool to match the market rates. TCGplayer has a pricing algorithm to help sellers be competitive and adjust prices based on the market demand.
Shipping options – Decide on the shipping options you will have for buyers.
Receiving payments – TCGplayer usually collects payments from buyers, processes the orders, and then deposits the money into your seller account. From there, you can withdraw your funds.
Maintain your inventory – Keep your inventory up to date. Remove sold items and add new ones to reflect the current availability of your Pokémon cards.
5. Card Cavern
Card Cavern is an online store that specializes in buying and selling Pokémon cards.
They have a straightforward buylist system where you can quickly find the cards they’re interested in and the prices they’re willing to pay.
Then, you ship your cards to them (they recommend purchasing tracking and insurance).
If you choose to sell your cards to Card Cavern, you’ll receive payment through PayPal or receive store credit, depending on your preference.
Their buy rates only apply to near-mint, English, tournament legal cards. You can send as many or as little Pokémon cards as you want to Card Cavern.
6. Dave & Adam’s
Dave & Adam’s is an online store for trading cards, including Pokémon cards, and it has been around for over 30 years.
They offer a buy list where you can see which cards they’re currently interested in purchasing. If your cards match their buy list, you can submit a sell request, ship your cards to them, and receive payment via check, PayPal, or store credit.
If you have a big collection, they will even travel to you.
7. Pokémon Facebook Groups
Pokémon Facebook Groups are communities of Pokémon card collectors and enthusiasts who use the platform to buy, sell, and trade cards. Pokémon Facebook Groups are exactly what you think – Facebook groups for Pokémon card collectors.
This can be a great place to sell your Pokémon cards because these groups are filled with people who are very interested in buying Pokémon cards.
These groups allow you to talk directly with fellow collectors and cater to various interests, such as specific regions, sets, or rarity levels.
To sell your Pokémon cards in these groups, make sure you follow group rules, post clear photos, and respond quickly to potential buyers’ inquiries.
8. CCG Castle
CCG Castle is a website that specializes in games since 2007.
They buy Pokémon cards that you no longer need and have a buy list on their site that will tell you exactly what they are accepting and how much they will pay you for it. They pay in either PayPal cash or store credit.
Best Places To Sell Pokemon Cards Near Me
If you’re looking to sell your collection or particular Pokémon cards, there are several options near you to consider. This section will cover the best local places where you can sell your cards, such as Facebook Marketplace, comic book stores, pawn shops, and Craigslist.
9. Facebook Marketplace
A popular and easy way to sell your Pokémon cards is through Facebook Marketplace. Nearly everyone has a Facebook account, so it can be easy for you to get started, and it allows you to connect with local buyers who might be interested in your cards.
Posting on Facebook Marketplace is simple, and you can include photos, descriptions, and set your price. Also, you can communicate with potential buyers through Facebook Messenger, making it easy to negotiate and set up a meeting location.
There are no listing fees when selling on Facebook Marketplace, which means that you get to keep everything you earn. But, you do have to handle everything yourself.
10. Local comic book stores
Comic book stores, particularly those that specialize in trading cards, card games, and board games, can be a great place to sell your collection.
Many local comic shops are interested in buying Pokémon cards to stock their inventory for other gamers and collectors.
You can visit stores in your local area, ask if they purchase Pokémon cards, and provide the store owner with a list or photos of your cards. They may make an offer on the spot or ask you to come back later. Remember, each comic store is different, so it’s a good idea to try a few stores near you to compare offers and don’t stop at just one.
11. Pawn shops
Another option to consider is pawn shops.
Pawn stores are known for buying various items, including sports cards and collectibles like Pokémon cards. Take your cards to a few pawn shops near you and see if they’re interested in buying your collection.
Keep in mind that pawn shops usually offer lower prices than other options (this is because selling Pokémon cards is not their sole business), but they can be a quick and convenient way to sell more popular cards.
12. Craigslist
Craigslist is a site for buying and selling various items locally – I’m sure you’ve heard of it. You can create a detailed listing for your Pokémon cards, including pictures, descriptions, and asking prices.
Interested buyers in your area can contact you, allowing you to arrange a meetup in a safe and convenient location.
Craigslist is usually a little more difficult to sell Pokémon cards on and that is because this site does not specialize solely in Pokémon cards and is very localized.
Where to Sell Pokemon Cards in Bulk
Selling your Pokémon cards in bulk may be something that you are interested in if you simply don’t have the time to look each one up.
When selling your Pokémon cards in bulk, it’s important to find the right platform. In this section, we’ll focus on three popular options: Full Grip Games, Safari Zone, and Sell2BBNovelties. With their unique offerings and easy-to-sell process, these companies can help you get the most value for your collection if you simply don’t have the time or have too many cards to sort through.
13. Full Grip Games
Full Grip Games is a local game shop in Ohio that buys bulk Pokémon cards online and in person.
At Full Grip Games, they make it easy for you to sell your bulk cards in increments of 100 or 1,000. Also, they accept rares and other card types as well. To make things simpler for you, their website has a bulk buy list that breaks down all the packs and cards they accept along with individual prices.
To get started, follow these easy steps:
Click on the “Buylist Instructions” link on their website.
Choose their full singles buylist or their bulk buylist.
Select the cards in your collection according to the buylist.
Review the pricing and total value of the cards submitted.
Once done, send the cards following their shipping instructions.
Once they receive your bulk cards, it will take them around one week to go through them. For the cards they accept, you can get paid via PayPal, store credit (you will get a 30% bonus if you choose the store credit option), or check via USPS mail.
14. Safari Zone
Safari Zone is another great option to consider for selling your Pokémon cards in bulk. They accept a wide range of cards, but they do need to be in near-mint condition.
Here’s what you should do to sell your cards on Safari Zone:
Create an account on the Safari Zone website.
Review the cards they purchase on their buy list.
Enter the card details.
After submitting the card information, you’ll receive a quote for your collection.
Ship your cards to Safari Zone, and they will process your payment after validating the cards.
Safari Zone only pays via store credit.
15. Sell2BBNovelties
Sell2BBNovelties is a website that has been around since 1999 that specializes in toys and collectibles, such as Pokémon cards.
They have an easy platform to sell your Pokémon cards in bulk and accept various card types, including rares, holographic, and common/uncommon cards.
To sell your Pokémon cards on Sell2BBNovelties, simply:
Go to their website and click on the “Buying Prices” tab.
Select the cards you’re selling according to their buying list.
When you’re ready, submit the form. You’ll receive a confirmation email with the total value of the cards and further instructions.
Ship your cards to Sell2BBNovelties, and they will process your payment upon receiving and verifying your cards.
You can receive payment for the cards they accept in either PayPal cash or store credit.
How to Make a Website to Sell Pokemon Cards
If you have the time and a lot of cards, you may even be interested in starting a website to sell your Pokémon cards.
Creating a website to sell your Pokémon cards is a great idea to reach a wider audience and have lower fees. Of course, there will be more work in this because you will be managing everything yourself.
Choose a platform and create your design – Look for an easy-to-use platform to build your website – my favorite is WordPress. You will want to pick a clean looking design that customers can look at on both computer and phone. Most platforms have a variety of premade themes that you can use. You can also personalize your website by adding your logo, choosing colors that represent your brand, and adding images.
Organize your products – Categorize your Pokémon cards by sets, rarity, or other criteria that make sense for your target audience. Clear product descriptions and high-quality images of each card will help potential buyers too.
Set up payment and shipping – Choose a payment gateway to securely process transactions. Options like PayPal, Stripe, or Square are widely used and reliable. Choose shipping options and rates based on your preferred carriers and shipping destinations.
Create valuable content – In addition to listing your Pokémon cards, consider creating helpful content such as blog posts or videos that add value to your website and attract more readers and buyers. Providing informative content will establish you as an expert in the field and help drive traffic to your site.
Promote your website – Use social media, search engine optimization (SEO), or even paid advertising to increase page views to your website.
Related: How To Start A Website Free Course
Pokemon Card Selling Tips and Strategies
Selling your Pokémon cards can be an exciting way to make extra money, but it’s important to have a little strategy so that you can make the most money and find the most buyers.
Here are some tips for selling your Pokémon cards successfully.
Determine the value of your cards. You should research how rare the card is, the origin, and the condition of your cards, as these factors will affect their worth. Keep an eye out for rare and valuable cards (such as first edition cards and illustrations), as these will attract more interest from collectors. Grading your cards can help with this process – professional grading services can rate the condition of your cards and encapsulate them in a case, increasing their value.
Consider where to sell your cards.There are numerous platforms for selling Pokémon cards online, such as eBay, where you can list your cards as single items or in an auction format. There are also more specialized Pokémon selling websites which are dedicated to trading cards. These sites often have dedicated communities of potential buyers who are very interested in Pokémon cards.
Write clear and accurate descriptions of your cards.You should always be clear and honest about your card’s condition. For example, are there any scratches or bends? Is there a tear or water damage?
Ship your cards carefully.Carefully package your Pokémon cards to protect your cards from damage during transit. You will want to keep your cards waterproof and not use rubber bands (rubber bands can damage the cards). Also, consider offering a tracking number and insurance to your buyer as an additional layer of security. Many of the Pokémon selling sites above have a very exact way they want you to ship the cards to them to prevent any damage, so be sure to see what their rules are.
By following these Pokémon card selling tips and tricks, you can increase the chances of finding the best places to sell your Pokémon cards.
Frequently Asked Questions
Here are answers to common questions about selling Pokémon cards.
How do I know if my Pokemon cards are worth money?
So, how do you know if the Pokémon cards that you have are worth anything? Many people have Pokémon cards, probably stuffed in a box somewhere, or maybe you came across some.
Whatever your reason is, yes, your Pokémon cards may be worth something.
Knowing the value of your Pokémon cards is important before selling, and there are a few key things to think about.
First, look at the rarity symbols on your cards: a circle indicates a common card, a square represents an uncommon card, and a star denotes a rare card. These symbols help you determine the rarity of your cards and their potential worth.
The condition of your cards also plays a big role in their value. Cards in mint condition, meaning they have no visible wear or damage, are worth more than cards with minor imperfections. Holographic cards, especially in mint condition, can be more valuable.
To take it a step further, you could even get your Pokémon cards professionally valued and graded by a reputable company like PSA. Grading involves a professional inspection of your card’s condition, assigning a numerical grade based on factors such as centering, corners, edges, and surface. The higher the graded number, the better the condition and, often, the higher the value.
Keep in mind that while Pokémon cards typically have higher values, other trading card games like Yu-Gi-Oh can also be valuable. Make sure to research the prices of similar cards sold recently, and compare the condition of your cards to decide if they’re worth selling.
How do I sell Pokemon cards for cash?
To sell your Pokémon cards for cash, first organize your cards by set and look for rare ones to see what you have. Once you’ve prepared your collection, follow the selling instructions on your chosen platform.
You can sell your Pokémon cards online, locally near you, and even in bulk.
Where can I find buyers for my Pokemon cards?
You can find buyers for your Pokémon cards on online marketplaces, local card shops, and social media groups. Websites like eBay and TCGplayer are popular places for selling Pokémon cards, as well as community forums and local collector’s events.
What are some reputable websites to sell Pokemon cards?
There are many reputable sites to sell Pokémon cards as we discussed above, such as:
eBay
Troll and Toad
Mercari
TCGplayer
Card Cavern
Dave & Adam’s
Pokémon Facebook Groups
Full Grip Games
Safari Zone
Sell2BBNovelties
Where is the best place to sell Pokemon cards?
The best place to sell your Pokémon cards depends on your preferences. eBay gives you a worldwide market and you are probably already familiar with their platform.
TCGplayer and Troll and Toad specialize in trading card sales and have a lot of Pokémon cards for sale.
Pokémon Facebook Groups are a great way to connect with those interested in Pokémon cards, and there are no listing fees – but you would be dealing with people on your own and handling everything yourself.
Are there any local stores that buy Pokemon cards?
Some local stores, like comic book shops, game stores, and pawn shops, may buy Pokémon cards. You can call local stores to see if they buy cards before bringing your collection in person.
Can you sell Pokemon cards on Etsy?
Etsy is generally geared towards handmade and vintage items, so it’s not an ideal platform for selling Pokémon cards. It’s best to stick with platforms like eBay, TCGplayer, or Troll and Toad for selling trading cards.
I did a search for Pokémon cards on Etsy and it said there were 43,326 results, but I think many of these are for custom art, in that they would be turning a picture of you or your pet into a Pokémon card. So, not the same thing.
Can I sell Pokemon cards on eBay?
Yes, you can sell Pokémon cards on eBay. It is one of the most popular sites for selling Pokémon cards and it gives you control over pricing and listing options.
Can you sell Pokemon cards at GameStop?
GameStop typically does not buy or sell individual Pokémon cards.
Do pawn shops buy Pokemon cards?
Some pawn shops may buy Pokémon cards, especially if they are valuable or rare. Call your local pawn shops or visit them in person to inquire about their interest in buying Pokémon cards. Remember, they do not specialize in Pokémon cards and have a smaller market, so you may not get as much for your Pokémon cards at a pawn store.
What does TCG and CCG mean?
As you’re going through the sites above looking for one of the best places to sell your Pokémon cards, you may come across these two terms. CCG means collectible card game and TCG means trading card game.
How can I determine the value of my Pokemon cards?
Figuring out the value of your Pokémon cards involves considering factors like:
rarity
condition
age
Websites like TCGplayer and Troll and Toad provide price guides and historical sales information to help you estimate the value of your cards.
How do I check the value of my Pokemon cards?
Check the value of your Pokémon cards by researching on websites like TCGplayer, eBay, and Pokémon Price. These platforms can give you a good idea of the current market value for individual cards.
Do you need a license to sell Pokemon cards?
You generally do not need a license to sell Pokémon cards, unless you’re planning to sell them by opening an in-person store. Check your local regulations to make sure you’re following any required guidelines.
How much is Charizard Pokemon card worth?
Charizard cards vary widely in value and can be worth anywhere from $25 to over $50,000. The Charizard Pokémon card that is worth the most is typically a mint condition 1st Edition from the base set.
What Pokemon cards are worth more than $100?
Some Pokémon cards worth more than $100 include rare Pokémon cards, such as first edition holographic cards from the original sets, high-grade cards, misprints, and promotional cards like the Pokémon Illustrator card.
What is the most expensive Pokemon card?
The most expensive Pokémon card varies over time; some examples include the Pokémon Illustrator card, the 1st Edition Charizard, or unique, one-of-a-kind promo cards handed out during official Pokémon events. The rarest Pokémon cards obviously cost more money and sell for more.
According to TCGplayer, the most expensive Pokémon cards include:
Pokémon World Championships No. 2 Trainer Promo
No. 2 Trainer Toshiyuki Yamaguchi (2000)
Neo Genesis 1st Edition Lugia (2000)
Super Secret Battle No. 1 Trainer (1999)
Family Event Trophy Kangaskhan (1998)
Test Print Blastoise Gold Border (1998)
Tsunekazu Ishihara Signed Promo (2017)
Trophy Pikachu No. 3 Trainer Bronze (1997)
Commissioned Presentation Blastoise Galaxy Star Holo (1998)
First Edition Shadowless Holographic Charizard #4 (1999)
Illustrator Pikachu (1998)
These were all sold for over $100,000 each.
Best Places To Sell Pokemon Cards – Summary
I hope you enjoyed this article on the best places to sell Pokémon cards and how to sell Pokémon cards for cash.
If you have Pokémon cards that you no longer want, there are many ways you can sell them. And, they may be worth a lot of money!
To figure out the value of the Pokémon cards that you want to sell, you’ll want to look at their rarity symbols, Pokémon card condition, grading (if applicable), and market comparisons. Understanding these factors will help you decide if your cards are worth selling and where to find the best prices.
Once your cards are sorted and evaluated, it’s now time to choose the best places to sell your Pokémon cards. Here are some popular options:
eBay – This site has millions of Pokémon cards sold every year. It’s a great place to find a worldwide audience, but remember to factor in shipping costs and eBay fees.
Facebook Marketplace and Pokémon Facebook Groups – Connect with local collectors or fans without worrying about shipping fees. This option may mean that you will meet the buyer in person.
Local comic shops – These stores can be an easy place to sell your cards, especially if they specialize in Pokémon cards or trading card games.
TCGplayer – Catering specifically to trading card game fans, this site has a dedicated space for buying and selling Pokémon cards.
Other options include Troll and Toad, Card Cavern, Dave & Adam’s, Sell2BBNovelties, pawn shops, and more.
Good luck selling your Pokémon cards!
What do you think is the best place to sell Pokemon cards for cash?
Student loans can help you finance your college education without paying much interest. However, you don’t want to take on more debt than you can comfortably pay back after you graduate. As of June, 2023, student borrowers owe 1.76 trillion in student loan debt, including federal and private student loans, according to the Federal Reserve.
High school can be a great time to start learning about the types of student loans available to you, how interest accrues, and what you can expect when it comes time to repay any student loans you take out. Read on to learn some of the ABCs of student loans, and how to not let them weigh down your financial future.
Student Loan Types
There are two main categories for student loans: federal and private student loans.
Federal Student Loans
Federal student loans are funded by the federal government. Interest rates are fixed (and comparatively fair) and are set annually by Congress every July. Federal student loans also come with protections like income-driven repayment plans and deferment or forbearance options in the case of life changes, such as sudden loss of a job or other roadblocks to repayment.
The following are the federal student loan options offered:
• Direct Subsidized Loans These are available to eligible undergraduates with a proven financial need. The government subsidizes (meaning it pays for) the interest that accrues on these loans while the student borrower is enrolled in school at least half-time and during the loan’s grace period (more on that below), and other qualifying periods of deferment.
• Direct Unsubsidized Loans These are available to eligible undergraduates and graduate students regardless of financial need. Student borrowers are responsible for paying all of the accrued interest on unsubsidized student loans.
• Direct PLUS Loans These are available to eligible parents of undergraduate students and to graduate or professional students. They are not subsidized by the government.
Private Student Loans
Private student loans are issued by non-government institutions, such as banks, credit unions, and online lenders. The requirements for applying for these types of loans may be more stringent.
Lenders will typically look at the student’s or their cosigner’s credit history, income, and other financial information. Some lenders require you to begin making payments while you are in school, while others allow you to wait until six months after you graduate. Either way, interest typically begins to accrue as soon as the funds are disbursed.
How to Apply for a Student Loan
The process for applying for student loans varies based on whether the loan is private or federal.
Applying for a Federal Student Loan
To apply for a federal student loan, you need to fill out and submit the Free Application for Federal Student Aid (FAFSA®) . Even if you don’t think you’ll be approved for financial aid, it can be worth submitting the FAFSA. The application is free and you may qualify despite your circumstances. The FAFSA also gives you access to federal student loans.
Every year, the FAFSA form usually becomes available online as of October 1 for the next school year. (Note that the FAFSA for 2024-25 academic year won’t be available until December 2023 due to the roll out of a new, more simplified form.)
You can easily apply online (see the link above). Completing the FAFSA determines the combination of federal loans, grants, and work-study you’re eligible for. Some colleges and universities also use information from the FAFSA to determine if you qualify for school-specific financial aid.
Applying for a Private Student Loan
It’s important to take the time to do some research and find a lender with a good reputation that offers competitive rates and terms. Ideally, you want a lender that offers flexible repayment options, reasonable (or no) fees, and will provide helpful customer support if you find yourself having any issues with your student loan payments.
If you decide to apply for a private student loan, you will more than likely have to reveal personal financial details, like your credit history. Since students typically don’t have much, or any, credit history, they often need to apply with a cosigner. That’s someone who will share the responsibility with you of paying back the loan.
In many cases, that cosigner would be a parent or an adult with whom you have a close relationship. Getting a cosigner may increase your chances of getting a better interest rate, which could help you spend less in interest over the life of the loan.
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Types of Student Loan Interest Rates
The interest rate on your student loans could have a lasting impact on your future finances. The interest charged is a percentage of your unpaid loan principal — that is, the amount you borrowed. Interest is paid to the lender in exchange for the opportunity to borrow money from them.
You can typically choose from between two types of interest rates: fixed-rate and variable rates.
Fixed-rate student loans: These types of loans offer an interest rate that remains the same throughout the life of the loan. This could give you peace of mind, knowing that the rate won’t change, even if the state of the economy does. Interest rates could fluctuate wildly during the course of your loan, but a fixed-rate won’t be affected. As previously mentioned, federal student loans have a fixed interest rate. Some private lenders also offer student loans with a fixed interest rate.
Variable-rate loans: These types of loans come with an interest rate that can increase or decrease based on market fluctuations. Some private lenders offer student loans with variable interest rates. These are also sometimes called floating-rate loans, because the interest rate can change during the life of the loan.
A variable-rate school loan might start with a lower rate than a fixed-rate loan but keep in mind that your interest rate — and monthly payment — could rise later on. A variable- rate loan can make sense if you plan to pay off your student loan early before rates have a chance to rise too much, expect rates to fall in the future, or you have some wiggle room in your budget in case of rising interest rates.
Student Loan Mistakes to Avoid.
1. Failing to Research Your Loans
With any type of student loan, it’s key to understand what you are agreeing to. You’ll want to make sure you understand what the interest rate will be, what your monthly payment will be, when you’ll need to start repayment, and how you plan to cover that obligation.
2. Borrowing Too Many Loans
It’s nice to be approved and accepted, but too many loans (borrowing more money than you actually need) can lead to a heavy financial burden after graduation. Generally, you’ll want to use any college savings, financial aid, and federal student loans before looking to private student loans (which tend to come with higher interest rates than federal student loans). If you’ll need to take on significant debt to attend a certain school, you might consider choosing a less expensive institution.
3. Not Having a Plan
Life can be unpredictable. The one thing you could have power over is your school loan repayment plan. It’s important that you know exactly when your student loan repayment plan starts (in some cases, that could be before you graduate), and exactly what your monthly payment will be.
It can also be helpful to set up a budget that accounts for all of your college costs, including tuition, books, room and board, food expenses, and anything else related directly to your education. If you budget for it ahead of time, you can help make it easier to use your student loan money wisely.
4. Not Realizing That Interest Continues Accruing
Understanding how and when interest accrues on your student loans is critical. For many student loans, interest will accrue while you are in school and during your grace periods. (A grace period is the period of time after you graduate or drop down below half-time attendance, during which you are not required to make payments.)
With the exception of subsidized federal student loans, interest will continue to accrue even if you are not making payments on your student loan. It will then typically be capitalized. Capitalization occurs when the accrued interest is added to the principal balance of the loan (the original amount borrowed). This new value becomes the balance on which interest is calculated moving forward.
Recommended: Understanding Capitalized Interest on Student Loans
Repaying Your Student Loan
Another important factor is understanding what repayment plans are available to you based on the type of loan you borrowed.
Repaying Federal Loans
For Direct Subsidized and Unsubsidized Federal Loans, students who are enrolled in school at least half-time aren’t required to make payments on their student loans. On these loans, repayments officially begin after the loan’s grace period.
Federal loans typically have a six-month grace period after graduation, which allows you time before you have to start repaying your loans. It’s important to note that even though you may be granted a grace period, depending on the loan you have, you may still be responsible for paying the interest on the loan during the time you are not making payments.
Note that PLUS Loans, which are available to parents of students and graduate or professional students, require repayments as soon as the loan is disbursed (or paid out).
Borrowers with federal loans are able to choose one of the federal repayment plans . These include:
• Standard Repayment Plan On this plan, monthly payments are a fixed amount and repayment is set over a 10-year period.
• Graduated Repayment Plan On this plan, payments start out on the lower end and then gradually increase as repayment continues. Loans are generally paid off over a 10-year period.
• Extended Repayment Plan Payments may be either fixed or may gradually increase over the loan term. Loans are paid off within 25 years.
• Income-Driven Repayment Plans There are four income-driven repayment plans. These tie payments to the borrower’s discretionary income. The percentage and repayment term may vary depending on the type of income-driven repayment plan the borrower is enrolled in.
With private student loans, the repayment terms are determined by the lender. That schedule will tell you exactly when your first payment is due and how much you will owe.
Unlike federal loans, many private loans have to be paid back before you graduate, so be sure to review your agreement closely and know exactly what you are going to need to do. Contact the lender directly if you have any questions.
Recommended: How to Pay Off College Loans
Named a Best Private Student Loans Company by U.S. News & World Report.
If Repaying Loans Becomes a Problem
Nobody plans on not paying back their student loans, but sometimes life can throw a few financial punches that you weren’t expecting. A smart strategy if this were to happen to you: face the problem head-on.
Options for Federal Student Loans
If a borrower is struggling to make payments on their federal student loans, they may consider changing their repayment plan. Federal loans, as mentioned, offer income-driven repayment options which tie the monthly payments to the borrower’s income. This can help make monthly payments more manageable for borrowers.
In cases when even income-driven repayments are too much, borrowers may be able to apply for deferment or forbearance. These allow borrowers to pause their loan payments. Depending on the loan type, you may or may not accrue interest during periods of deferment or forbearance.
Options for Private Student Loans
Private lenders are not required to offer the same repayment plans or borrower protections (like deferment and forbearance, mentioned above) as federal student loans. Some private lenders may be willing to work with you during times of financial difficulty so that you can continue making payments. Check in directly with your lender to see what payment plans or options they may have available to you.
A Note on Student Loan Default
After a certain number of missed payments (which can vary depending on whether you have borrowed a federal or private student loan), your loan may enter default. That can have serious financial consequences, such as impacting your credit score.
Declaring bankruptcy generally won’t rid you of your federal student loan obligations. It is extremely challenging to get student loans (federal or private) discharged in bankruptcy.
What to Do if You Don’t Get Enough Federal Loans
It’s never too early (or too late) to begin researching methods of additional funding if your federal loans aren’t going to cover your tuition costs. Here are just a few to consider.
Scholarships
Scholarships do not typically have to be paid back. If you’re not sure where to begin your scholarship search, you might ask your high school guidance counselor for recommendations. An online scholarship search tool can also be helpful.
In addition, you may want to try local community and civic organizations, as well as businesses and religious groups. You can also ask about scholarships in your college’s financial aid office.
You can also try scouting scholarships based on a certain skill or talent: music, writing, sports, and even academics. Qualifying for multiple small scholarships could add up and go a long way toward helping ease your financial burden.
Grants
Grants work like scholarships in that you typically don’t have to pay them back. They are often offered by the federal government (and would be part of your federal aid package); in some cases, in exchange for a grant, you agree to work in a certain field for a set period of time after graduation.
Work-Study
Through the federal work-study program, you can earn money to put toward school expenses by working jobs around your college’s campus. If you are approved for the work-study program, it will be included as a part of your financial aid award. Then, you may need to apply for jobs that are part of the program. These jobs may be on- or off-campus.
If you can’t find a work-study job to fit your schedule, there may be other part-time job opportunities available off-campus. You could inquire about part-time work at your on-campus career services office.
Private Student Loans
As mentioned, a private student loan may cover the remaining tuition costs not covered by your federal financial aid package. Qualifying for these loans might require a credit check and your credit history can potentially affect your private loan interest rate. For undergraduates with little-to-no credit applying for private student loans, they may benefit from applying with a cosigner in order to qualify for a more competitive rate.
As another reminder, private loans are not required to offer the same benefits or borrower protections afforded to federal student loans. As a result, most students only consider private student loan options after all other sources of aid and funding have been carefully evaluated.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
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Mardi Gras, distinct cuisine, music and nightlife are some of the draws that keep The Big Easy a favorite travel destination for people throughout the world. But you’re not looking for a fun weekend with your friends, you want to call New Orleans home.
That means you’re looking for the best apartments in New Orleans in the best neighborhood that will meet the needs and demands of your lifestyle. As a true melting pot, you’ll be able to find what you’re looking for. Whether it’s an immersive Creole experience or a slice of Europe, New Orleans has various neighborhoods full of colorful characters and fascinating stories.
Where to live in New Orleans
Unlike tourists, you won’t miss out on the things that make New Orleans a truly unique and amazing place to live. The proud collection of neighborhoods dispersed throughout the city. No matter if you’ve always dreamed of living in the most popular areas or are ready to discover the hidden gems that aren’t so hidden to residents. Get ready to live and breathe the real New Orleans.
Who’s coming with you?
Which one neighborhood characteristic can you not live without?
What’s your idea of quality downtime?
Which of these best describes your current life stage?
Your personal style could be best described as:
Which of the following is most important to you in choosing an apartment?
Where to Live in New Orleans
Uptown
In Uptown, vibrant 19th-century residences dominate the streets, making it impossible not to fall in love with the gorgeous architecture. Though the quieter surroundings and views of the Mississippi River are enough to convince anyone to move to Uptown, there’s so much more to get to know about this area. If you need to live close to outdoor activity, Audubon Park and Audubon Zoo provide tons of options. The park has a two-mile walking and bike path and vast amounts of green space for picnics, a game of a catch or a relaxing day of sunbathing. The zoo has 2,000-plus animals and a water park. Living in Uptown also gives you a wealth of food choices, and any restaurant you walk into is a paradise for your taste buds.
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New Orleans East
Image Source: Willowbrook Apartments
New Orleans East is a massive area, sprawling with residential homes and has a far more suburban feel. Long ago, New Orleans East was nothing but marshland, which is why you’ll be able to enjoy the beauty and peace of the wetlands. Audubon Louisiana Nature Center has biking and walking trails that give families the opportunity to spot local wildlife and a planetarium! Take the boardwalk paths at the Bayou Sauvage National Wildlife Refuge to watch great blue herons and alligators. The area took a hit after Hurricane Katrina, but various economic development and community projects are in the works and the passionate community keeps residents current of all going on. A wonderful place for those looking for opportunities to make a difference in their community, New Orleans East welcomes you.
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French Quarter
The hotbed of activity in NOLA, the French Quarter is unlike any other neighborhood in the country. Historic, storied and extremely popular, The Quarter, as it’s referred to locally, is the heart of the city. Townhomes and cottages found in The Quarter have Creole- and Spanish-influenced architecture. The modest exteriors conceal decadent interiors and perfectly manicured courtyards awaiting renters inside. The world-famous Bourbon Street has apartments that provide amazing views of the city and the partying going on below. With a nightlife that lures so many residents and tourists, it has some of the best restaurants and bars, random gatherings and music as the nights go on. Nearby, the Audubon Aquarium has a must-see otter exhibit that kids and adults love.
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Algiers
Image Source: 629 Atlantic Ave
The neighborhood of Algiers has sat right on the Mississippi River for 300 years. Unconnected to New Orleans, it’s accessible by a bridge and Ferry. Commuting to other areas in the city is easy with the Algiers Ferry, which gives you beautiful views of the NOLA skyline before dropping you off in the Quarter or Central Business District. Music and art lovers will love Algiers, too. There’s the Algiers Folk Art and Blues Museum which holds a festival in the fall and the Jazz Walk of Fame. The neighborhood streets have studios where you can learn new crafts, like glass blowing. What truly defines Algiers is the quaintness of it all — the coffee shops, the ferry ride, the Victorian cottages and urban community parks. It feels like a village instead of a New Orleans neighborhood.
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Gentilly
Image Source: 555 Chamberlain Dr
Typically ignored by tourists, Gentilly has a number of delicious restaurants, great places to shop and history like other areas in the city. Perfect for families and people who don’t want the high energy of other neighborhoods, Gentilly offers the University of New Orleans where art exhibitions and concerts are held. There’s also the Hellenic Cultural Center, which holds a very popular New Orleans Greek Fest. For those in the know, Gentilly has one of the best Mardi Gras parties, Krewe of Dreux – a huge informal outdoor party and parade. Located about 3 miles away from the French Quarter, Gentilly is not as walkable as other areas. There are major avenues with buses, but a car is the main — and probably best — way to get around if you live in this neighborhood.
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Garden District
Moving to Garden District will put you on a street lined with oak trees, humming streetcars, apartments that look like mansions and actual mansions. Garden District is a historic neighborhood with the classic architecture of the city and plenty of eating and shopping options. Highly walkable, you can still take the St. Charles Avenue Streetcar which extends from downtown to Uptown and goes directly through the Garden District. Magazine Street is another win for those who move to Garden District. Brunch is on another level at some restaurants, where it’s available all day. More than a place to get food, Magazine Street is famous for the shopping it offers, too. Independent shops dominate, but with the crowd that lives near, chain stores are starting to expand their presence.
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Metairie
Metairie has earned the distinction of being one of America’s Best Cities without technically being a city. So, needless to say, people who live here really enjoy what Metairie offers, specifically Old Metairie. Old Metairie is surprisingly walkable. You can easily make your way to the bank, gym and coffee shop in about two blocks. A quick run to the grocery store without a car in the suburbs is pretty amazing. For families, the number of schools and parks offered is shocking. There are programs for infants, part-time moms, public, private and even gifted programs. A night out is always needed, and even still, Metairie delivers without residents needing to leave the city limits. You’ll find an amazing food scene and high-end retail shopping.
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River Ridge
Image Source: Sawmill Creek Apartments
Suburban charm meets city convenience in River Ridge, where a happy balance of both is a perk of living here. Living near the Mississippi gives you a lot to enjoy in this suburb, including the Mississippi River Trail, which spans 3,000 miles and 10 states. It also connects you to other surrounding suburbs and is a favorite local place to watch the sunset. Zeringue and LaSalle Park have more trails to enjoy. A top priority in this suburb is schools. River Ridge, LA, is in the Jefferson Parish School System, which is highly rated. Kids will enjoy schools that prepare them well for college and any other future they choose.
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Rebecca Green is a content editor and writer for RentPath. She enjoys interior design, dogs and can tell you where to find the best pizza in Brooklyn. You can see some of her other published work on Apartment Guide.
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Are you in search of the perfect studio apartment in Southeast Washington, DC? Look no further than 2801 Pennsylvania, where you’ll find a cozy and inviting 550-square-foot studio apartment available for just $1,235 per month. With a spacious walk-in closet and a separate dining area, this apartment offers both comfort and convenience.
Welcome to 2801 Pennsylvania
At 2801 Pennsylvania, you’ll find a welcoming community that’s ready to make you feel at home. Located in the Randle Highlands neighborhood, this apartment complex offers studio and one-bedroom cat-friendly apartments for rent. The apartments feature open layouts, beautiful hardwood floors, and classic finishes that create a charming living space.
But it’s not just about the apartments themselves; 2801 Pennsylvania is committed to providing excellent customer service. With on-site maintenance and management, you can rest assured that your needs will be promptly addressed. Additionally, the convenience of online rent payments makes managing your finances a breeze. Everything you need to feel comfortable and cared for is right at your fingertips at 2801 Pennsylvania.
Embrace a Higher Level of Service
At WC Smith, the management company behind 2801 Pennsylvania, great customer service is considered the best amenity. Living at 2801 Pennsylvania means experiencing this commitment to service firsthand. The dedicated service team is available 24 hours a day, ensuring that you have assistance when you need it most. Plus, with the ability to access your resident account online at any time, you have the flexibility to manage your affairs day or night. It’s all part of the effort to provide you with a superior living experience.
Community and Apartment Amenities
The amenities at 2801 Pennsylvania cater to your comfort and convenience. In addition to being cat-friendly, the community offers:
Controlled access/gated entry for added security.
High-speed internet to keep you connected.
Laundry facilities for your convenience.
On-site maintenance and management teams to address your needs promptly.
Inside your studio apartment, you’ll find:
Air conditioning to keep you comfortable year-round.
Ceiling fans for added ventilation.
A gas range for preparing meals.
Beautiful hardwood floors that add warmth and character.
A large walk-in closet to help you stay organized.
A refrigerator to store your groceries.
Window coverings for privacy.
Cable readiness for your entertainment needs.
Make 2801 Pennsylvania Your New Home
With its affordable rent, convenient location, and commitment to excellent service, 2801 Pennsylvania is the ideal place to call home in Southeast Washington, DC. Don’t miss the opportunity to rent this 550-square-foot studio apartment for just $1,235 per month. The large walk-in closet and separate dining area make it a comfortable and practical choice. Contact 2801 Pennsylvania today and discover why this community is the perfect place for you to call home.
Equal Housing Opportunity
Rental providers will not refuse to rent a rental unit to a person because the person will provide the rental payment, in whole or in part, through a voucher for rental housing assistance provided by the District or federal government.
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The Federal Housing Finance Agency (FHFA) has opened membership applications for its Federal Advisory Committee on Affordable, Equitable, and Sustainable Housing. FHFA said it is looking for a broad range of experts and stakeholders to serve on its advisory committee, which will provide input on any regulatory or policy changes regarding affordable, equitable, and sustainable … [Read more…]
