Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House

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Here’s a Legitimate Way to Get up to $5K in Free Cash When You Buy a House
Are you thinking of buying a home? Maybe it’s time to stop renting and start owning — or you’re ready to trade in your current home for a bigger, better one in another location. If you’re ready to pursue the American dream of homeownership, there’s one important and surprising step you might want to take first — something you may not have thought of. You can actually get cash back on your home purchase — as much as $5,000. Unbelievable, huh? Normally when you think “cash back,” you think about getting a little bit of money back on your debit-card purchases or for certain items at the grocery store. Let’s think bigger — a lot bigger. We’ve found a rewards site called Cash Direct Club, and it’ll pay you some serious cash for major purchases. How to Get Paid Within 30 Days of Closing At first glance, Cash Direct Club appears to be similar to other cash-back sites. Namely, it allows you to get paid when you shop at more than 200 major online retailers. Look closer, though, and you’ll see a big difference. You can earn up to $5,000 if you buy a home through one of 20,000 top real estate agents across the U.S. in the club’s network. Trust us: It’s important to have a real estate agent you’re comfortable with, and that’s why this company has gone to great lengths to build a huge network of agents. It earns a commission for referring you — and shares it with you. “When you purchase a home, we then pass along part of those earnings to you as cash back,” the company says. “It’s that simple!” Here’s how to earn that $5,000 rebate when you buy a home: Fill out a quick and simple form on Cash Direct Club’s website.  Get matched with a real estate agent in your area.  Buy a house, and get paid within 30 days of closing. You’ll Find More Ways to Get Paid, Too If you want to buy a home, this looks like the best deal for you. Beyond that, you can keep earning by shopping (and saving) with Cash Direct Club. You’ll immediately earn $3 when you install its web browser button and another $3 if you download the app. You can also shop online directly through Cash Direct Club’s website, by clicking on the retailers listed there. And you’ll get a $20 bonus when you make your first purchase. Here’s what else it offers: Earn up to double cash back at many retailers when you spend at least $125 on a single purchase. Earn $100 cash back if you get a personal loan through the site. (Its partner lender offers loans of $1,000 to $50,000 for terms of three or five years.) Earn up to $10 when you refer a friend — $5 when they make their first purchase, and another $5 when they make a purchase of over $125. Now get house-hunting! Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He likes cash just as much as you do. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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7 Debit Cards That’ll Give You Cash Back (and More!) for Swiping

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7 Debit Cards That’ll Give You Cash Back (and More!) for Swiping
Debit cards are popular. Like, really popular. Nearly 43% of adult Americans reported using debit cards as their main form of payment, according to a 2017 LendEDU study. And each year, people make billions (with a big ol’ b) of transactions using one. As a bonus, some debit cards offer rewards, similar to credit cards. So, if you’re one of the many using a debit card — or looking to upgrade yours — keep reading. We’ll explore why you might consider getting one, plus we’ll look at the best cards available today. Why Some Bank Debit Cards Don’t Offer Rewards (Anymore) After the 2008 financial crisis, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law in 2010. The goal was to stabilize and reform the financial industry. Before it passed Congress, lawmakers added the Durbin Amendment — named after Sen. Dick Durbin of Illinois — to the act. This amendment was introduced to curb processing fees for debit card purchases. When you use a debit card to make a purchase, the merchant pays an interchange or swipe fee. This fee goes to the bank that issued the debit card. Banks said these fees covered the costs of providing debit cards and monitoring accounts for fraudulent activity. However, retailers argued they were too high. Before the act’s passage, retailers paid up to 44 cents per debit card transaction, according to Reuters, which made it difficult for some businesses to accept them. After Dodd-Frank passed, the cap fee was reduced to 21 cents. (It’s worth noting credit card interchange fees were not affected.) As a result, the financial incentive for banks to offer debit card rewards just isn’t what it used to be. Why You Should Consider a Debit Card That Offers Rewards Just because debit card rewards aren’t flowing like they used to doesn’t mean you shouldn’t keep your eyes peeled for them. Debit cards that offer rewards are appealing for a few reasons: Your bank may only charge a small — or no — monthly (or annual) fee to use it. They’re good if you want to monitor your spending and find credit cards too tempting. Since it’s money from your account, there’s no monthly balance owed or accumulated interest to worry about. The REWARDS: anything from cash back to points to discounts on qualified purchases. 7 Debit Cards That Offer Rewards (Plus a Bonus!) We picked several options that could work for you. 1. American Express Serve® Cash Back The American Express Serve Cash Back option is a prepaid debit card. (To be clear, it’s not connected to a checking account.) When shopping online or in stores, you can earn unlimited 1% cash back on your purchases. Bonus: The cash back is immediately available to use after you earn it. Other features include free ATM withdrawals at over 30,000 locations, fraud protection and 24/7 customer service. Card price: $0 online or $3.95 in stores Monthly or annual fee: $7.95 a month (no fee in Texas, New York or Vermont) 2. Bank of America BankAmeriDeals® Bank of America has a program called BankAmericaDeals for BoA card holders. Existing customers can log into online banking or use the mobile app to see available deals (for example, 15% cash back at Petco). You’ll earn cash back on these deals when they use an eligible BoA debit or credit card to make a purchase. You can also earn BankAmeriDeals Coins for qualifying purchases to earn more rewards. Other features include 24/7 account monitoring, fee-free BoA ATM usage and the ability to add your debit card to a digital wallet for easier checkout. Card price: $0 Monthly or annual fee: $0 3. Discover® Cashback Debit With Cashback Debit, users can earn 1% cash back on up to $3,000 in purchases per month. So, if you make $500 worth of purchases monthly with your debit card, you’ll earn back $5 a month, or $60 a year. Other features include 24/7 customer service and access to over 60,000 surcharge-free ATMs. Also, if you lose your debit card, Discover will replace it for free. Card price: $0 Monthly or annual fee: $0 4. Axos Bank CashBack Checking Axos offers CashBack Checking for customers who want to earn rewards with a debit card. You can earn up to 1% cash back on signature-based purchases (so, something routine like grocery shopping doesn’t count) and earn up to $2,000 cash back per month. However, you’ll also need to maintain a daily balance of $1,500 to earn the 1% cash back. Other features include reimbursement for over 60,000 ATMs worldwide, and no balance or activity requirements to maintain the account. Card price: $0 Monthly or annual fee: $0 5. PayPal Business Debit Mastercard® Once you activate the cash-back program, PayPal Business Debit Mastercard users can get unlimited 1% cash back on qualifying purchases. The cash back is added to your PayPal account each month. Note that business owners face a $1.50 domestic ATM usage fee, and have a daily limit of $3,000 in purchases and $400 in cash withdrawals. Other features include a free additional card for the account and no liability for unauthorized charges. Card price: $0 Monthly or annual fee: $0 6. Consumers Credit Union Rewards Checking CCU offers rewards in the form of annual percentage yield (APY). There are three rewards tiers with varying requirements to earn 3.09% APY, 4.09% APY or even 5.09% APY on account balances up to $10,000. For the first tier, you must make at least 12 debit card purchases that equal $100 or more a month as one of the qualifications, so you’ll need to be organized to reap these rewards. Other features include over 30,000 surcharge-free ATMs and no minimum balance requirement. Card price: $0 Monthly or annual fee: $0 7. Empower Empower is an app and bank account. You can get 1% cash back on the first $1,000 you spend per month with your debit card, earn 1.65% APY on your money and even snag cash back when you refer your friends. You’ll have access to over 25,000 fee-free ATMs and even get reimbursed for one out-of-network ATM use per month. You can fund your account in a number of ways, though it does not support cash or check deposits. Other features include no account fees or required minimum balances. Accounts are also FDIC-insured up to $250,000. Card price: $0 Monthly or annual fee: $0 Bonus: Your Local Credit Union Check out your neighborhood credit union for other reward-card options. Many institutions offer debit card rewards in the form of redeemable points or cash back. Some even allow you to support a local charity or cause if you choose to make a donation when you open an account. Contact your local credit union online or in person to see what costs and conditions may apply. Card price: Varies Monthly or annual fee: Varies FROM THE BANKING FORUM Social security Representative Payee bank account 9/26/19 @ 5:16 PM L How to find a checking account that displays scheduled transaction on account activinty view? 9/4/19 @ 2:05 PM ONLINE BANKS 8/26/19 @ 6:54 PM Best bank to use? 7/12/19 @ 2:52 PM See more in Banking or ask a money question What About Credit Card Rewards? When it comes to serious rewards, credit cards typically offer better ones — think, a higher percentage of cash back on purchases or larger sign-up cash bonus — and may provide perks such as price-matching and [...]
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Category 5 hurricane in cash markets – Dollars, Bitcoins, …

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Category 5 hurricane in cash markets – Dollars, Bitcoins, …
The USD suffered a serious cardiac liquidity episode in late September. Not as bad as the 2013 China`s one but of course, with substantially larger global impact. This time it even affected the seemingly unaffected digital asset class. Efi Pylarinou is the founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the […] The post Category 5 hurricane in cash markets – Dollars, Bitcoins, … appeared first on Daily Fintech. [...]
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2 Programs for Homebuyers With Good Credit (but Not Much Cash)

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2 Programs for Homebuyers With Good Credit (but Not Much Cash)
Dreaming of becoming a homeowner?  While it may be fun to fantasize about what color you’ll paint the living room and which shower curtain will adorn the guest bath, there’s one important consideration to take care of first.  How are you going to finance it? Many mortgages require a sizable down payment — historically up to 20% of the full purchase price of the home. Of course, 20% of a six-figure price tag is a pretty hefty bill to foot, which is part of the reason the average homebuyer is putting down far less these days.  But not every lender will let you get your foot in the door for less cash upfront… which is why we want to introduce you to two mortgage programs that may just help you reach your homeownership goals even if a large down payment isn’t in your budget. Government-controlled corporations Fannie Mae and Freddie Mac both offer mortgage programs aimed specifically at candidates whose credit histories are good, but whose income might not allow them to save up a traditional down payment. Fannie Mae’s is called HomeReady, and Freddie Mac’s is called HomePossible.  Fannie Mae HomeReady and Freddie Mac HomePossible: How Do These Two Mortgage Programs Work? If you’ve got decent credit but don’t earn enough to have much wiggle room, one of these programs may be a fit. But how do they work — and what’s the difference between them? In a lot of ways, the two programs are very similar. Neither requires you to be a first-time homebuyer, and both allow you to finance up to 97% of the property value, which means your down payment can be as low as 3%, depending on your specific qualifications — and both make allowances that help you fork over even that small down payment from a variety of sources including gifts from relatives, government grants, or a second mortgage. And both have similar income requirements: You must make 80% or less of the median income in your area. Both programs allow non-occupant co-borrowers to help you apply for the loan, which can be helpful for those trying to help a family member relocate or buy their first home.  But as much as they share in common, there are some important differences between HomeReady and Home Possible that could help you decide which of the two to apply for. Fannie Mae HomeReady HomeReady is available to borrowers with a credit score of 620 or greater, though those with a score over 680 may get better rates.  If you have someone living with you who pays you rent, or a “boarder,” their income qualifies in determining your eligibility, as does the income of a non-resident co-borrower, which can be helpful if your earnings are low enough to endanger your approval. To qualify for Fannie Mae HomeReady, at least one borrower must complete the Framework online homeowner education program, which costs $75. According to the FAQ, your lender may provide a credit against closing costs to make up for this fee, but it’s not guaranteed. Of course, in the grand scheme of things, $75 is a pretty small price to pay for a financial product that could help you save money in the long run. Freddie Mac Home Possible Although Freddie Mac doesn’t publish its minimum credit score requirements, it does match Fannie Mae’s 3% down payment for the most qualified borrowers. However, only borrower income is counted when determining eligibility, so you can’t get a boost from the earnings of your co-borrower or spouse. (You may still be able to count your boarder or renter’s income, however.) Furthermore, the occupying borrower may own another residential property — even a financed one. And you can skip the homebuyer education requirement if at least one borrower on the loan application is not a first-time home buyer. If you are a first-time buyer and you need to meet homebuyer education courses, you can meet this requirement in a wider variety of ways: homebuyer education provided by HUD-approved counseling agencies housing finance agencies (HFAs) community development financial institutions (CDFIs) mortgage insurance companies or other programs that meet National Industry Standards for Homeownership and Counseling. There’s also an option for a free online homebuyer training offered through Freddie Mac itself called CreditSmart  – Steps to Homeownership.  FROM THE HOME BUYING FORUM 401k Loan 7/29/19 @ 10:35 AM B Knowledge Is Important When Buying A Home 7/22/19 @ 9:18 AM Can I buy a home with student loan debt? 6/12/19 @ 11:20 AM Fund my home 6/12/19 @ 1:11 PM C See more in Home Buying or ask a money question What About FHA Loans? There’s an alternative to Fannie Mae’s HomeReady and Freddie Mac’s Home Possible mortgages that you’ve probably already heard of: FHA loans.  In many ways an FHA loan is similar to the above-mentioned programs: You don’t have to be a first-time buyer, and you can score a down payment of as low as 3.5%.  And unlike the Fannie Mae and Freddie Mac products, FHA loans allow buyers with lower credit scores to qualify — though if your score is between 500-579, you’ll have to cough up a full 10%. FHA loans may also offer lower interest rates than HomeReady or Home Possible, but they often have a longer appraisal process, and unfortunately, you’ll need to pay two types of mortgage insurance: an upfront premium at closing, plus monthly premiums. Mortgage insurance can generally be cancelled through both Fannie Mae and Freddie Mac programs once your loan balance is less than 80% of the home’s value. One thing’s for certain: Buying a house can be complicated, especially if you don’t have the cash for a large down payment on hand. It’s worth shopping around and reaching out to different lenders directly to see how they can work with you and learn more about your specific rates and terms. Then, you can get back to the fun stuff — like comparing paint swatches and running your hands over carpet samples. Home, sweet home! Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer

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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer
Do me a favor and take a quick look in your closet. Overflowing, right? Well, there’s a solution to that problem: selling your used clothes.  It’s a win-win, and you don’t have to wait for a spring-cleaning binge to get started. In fact, you should do it seasonally to stay in vogue.  So tear a page from the Marie Kondo playbook and make one big pile of all your clothes. Yes, even your winter gear from the living room closet. Definitely the swimsuit collection. And all the baby shower clothes that you never even used, too. You may surprise yourself with the amount of clothes you have once you get them all in one place. Kondo recommends that as you sift through your stuff, you ask yourself, “Does this item spark joy?” Nope? Then sell it.  Where to Sell Used Clothes Plenty of apps and websites like Poshmark, Threadflip, Etsy and eBay allow you to sell used clothes online. But maybe you don’t have the technical know-how (or the patience) to do it yourself. Don’t fret. There are several other brick-and-mortar places to pawn off your used clothes, shoes, handbags, accessories — even baby clothes, toys and supplies — to get cash in your pocket by the end of the day. Uptown Cheapskate Want to pop some tags? Uptown Cheapskate is your place. It’s located in 21 states and is a cross between a trendy boutique and a thrift store for young adults. You can sell or trade in men’s and women’s clothes at any of its locations. Trade-ins get 25% bonus store credit.  Brands that do well at Uptown Cheapskate include Urban Outfitters, Levi’s and H&M. If you’re unsure if your clothes will fit in style-wise, visit its website for more info on trending brands and styles. Buffalo Exchange Founded back in 1974, Buffalo Exchange has remained family owned as it has expanded to 18 states and the District of Columbia. The company is a firm believer in reusing and recycling clothes to reduce waste and pollution (and save cash). Each store also partners with local charities.  Pro Tip If you don’t live near a Buffalo Exchange, the company also has a sell-by-mail program. Buffalo Exchange accepts a wide array of clothes for both men and women — vintage, athletic wear, plus sizes and more. Contrary to its name, it does not accept bison at this time. Sorry in advance. Clothes Mentor Clothes Mentor is a one-stop shop for fashionable women’s clothing sized 0 to 26 and maternity wear. It’s a hub for those who want designer brands without designer price tags. Clothes that sell well include Armani, Banana Republic, Saks Fifth Avenue, White House Black Market and others. Shoes, accessories, jewelry and handbags are also accepted. Clothes Mentor has 136 stores across 30 states and, at certain locations, offers personal shoppers who tailor outfits to suit your tastes. Plato’s Closet Ah, the ole standby, Plato’s Closet. You may not have known this was a clothing exchange store, but it’s likely that you’ve caught a glimpse of one of its more than 480 locations in North America — probably tucked between your local Chinese buffet and the grocery store. Plato’s is Winmark Corp.’s most successful clothing exchange franchise, and it’s aimed at teens and young adults. Everyday styles from Abercrombie & Fitch, American Eagle, H&M, Nike and Obey are typically in demand.  FROM THE MAKE MONEY FORUM Extra Income 4/10/19 @ 11:01 AM B This mom needs work! 8/12/19 @ 9:14 AM L Anyone have experience doing an Air B N B? 8/11/19 @ 8:16 AM Passive Income 8/9/19 @ 9:07 AM See more in Make Money or ask a money question Plato’s Closet also buys athletic wear, shoes and accessories.  To see if your wardrobe surplus is a good fit for Plato’s, browse its website for other brands and styles that sell well. Style Encore Another solid option from Winmark Corp. is Style Encore. It’s like Plato’s sibling, only slightly older and more sophisticated. Style Encore accepts women’s clothing from brands like Banana Republic, Calvin Klein, Coach and Kate Spade. Like Clothes Mentor, Style Encore has personal stylists to help you look like a million bucks (without spending a million). It’s Winmark’s newest clothing exchange brand, so locations aren’t as comprehensive as Plato’s. Double-check the store locator to find the closest one to you. Once Upon a Child Last but not least in Winmark’s clothing resale portfolio is Once Upon a Child.  It’s no surprise that child care expenses are a budget buster, but this store can help keep costs down when it comes to baby clothes, supplies and even furniture.  In addition to children’s clothes sized preemie to youth 20, Once Upon a Child will buy used cribs, cradles, strollers, baby electronics, halloween costumes and toys. Even more good news for parents: You won’t have to look very far. Once Upon a Child has more than 380 stores across the U.S. and Canada. Local Consignment Shops If none of the above stores fit the bill, you can always try your nearest consignment shop.  These shops work a little differently than clothing exchanges, because consignment stores may not pay you until your item sells. That means it’s unlikely you’ll walk out with a pocketful of cash. It’s also difficult to predict what brands they will buy, because most local stores don’t have databases and metrics to go off of. Sales are often based on personal taste or season. But hey, anything is better than leaving unused clothes tucked away in the furthest corner of your shelf for years to come.  How to Get the Most Cash From Your Clothes Some things are guesswork when trying to sell your clothes. Stock and styles change, so it’s hard to say for sure which brand or outfit will sell. However, there are a few things you should always take into consideration, no matter the item or the store.  Following these few guidelines will ensure you get the best quote possible. Clean and Fold Your Clothes If it seems like I’m wagging my finger, it’s because I’m wagging my finger. Almost every store listed above recommends washing your clothes before taking them in. Since your payout is based on an associate’s quote after they carefully check each item, you don’t want dirt or food caked to your shirt. It’ll definitely go in the “no” pile. Pro Tip In general, to keep colors bright, you can soak your clothes in salt. Only wash them as needed — inside out and in cool water to avoid fading. Likewise, super wrinkly clothes come across as unwashed, and you don’t want to give that impression. So be sure to fold them neatly before taking them in. Use a Nice Basket or Hamper to Carry Your Clothes Quick! What do you think of when you see trash bags? Trash, right? Not clothes.  Presentation matters. The associates checking your clothes don’t want to sift through trash bags. So after you’ve washed all the clothes you want to sell, fold them and place them in a basket, hamper or box that you can take to the store.  Check for Damage or Pit Stains If you were a shopper, would you buy a shirt that had pit stains or a missing pocket? Didn’t think so. The stores work the same way. They don’t want damaged, stained or heavily faded clothing. Before you take your clothes in, examine [...]
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5 Things to Know About the Rakuten Cash Back Visa Card

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5 Things to Know About the Rakuten Cash Back Visa Card
Virtual window shoppers who use Rakuten.com — formerly known as the cash-back shopping website Ebates — could be earning even more cash back on their purchases with the Rakuten Cash Back Visa credit card. Image courtesy of Synchrony In 2019, Ebates rebranded as Rakuten, but the $0-annual-fee credit card’s rewards structure remained the same. The new name, which means... Melissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article 5 Things to Know About the Rakuten Cash Back Visa Card originally appeared on NerdWallet. [...]
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Delta SkyMiles Cards Add Cash Back to Welcome Offers (Limited Time)

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Delta SkyMiles Cards Add Cash Back to Welcome Offers (Limited Time)
American Express is offering a chance for new cardholders to earn extra cash back on top of the welcome offers for two co-branded airline cards: the Gold Delta SkyMiles® Credit Card from American Express and the Platinum Delta SkyMiles® Credit Card from American Express. Through Aug. 15, 2019, you can apply for either of these cards... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article Delta SkyMiles Cards Add Cash Back to Welcome Offers (Limited Time) originally appeared on NerdWallet. [...]
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17 Simple Home Repairs That Will Save You Cash

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17 Simple Home Repairs That Will Save You Cash
Homeowners fantasize about making fabulous changes to their homes: adding rooms, beautifying the grounds and remodeling kitchens and baths. In reality, however, these dream projects may not be financially possible. Don’t let that stop you, however, from taking good care of the home you have. By keeping up with small repairs, you’ll both save money by heading off the big expensive fixes... [...]
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Citi Double Cash to Allow Conversions to ThankYou Points

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Citi Double Cash to Allow Conversions to ThankYou Points
The popular Citi® Double Cash Card – 18 month BT offer, an excellent cash-back credit card, will soon allow its rewards to be transferred to Citi’s ThankYou points rewards program, according to messages starting to appear in customer accounts. Learn More Citi officials would not provide details on the new option, but the account message reads:... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article Citi Double Cash to Allow Conversions to ThankYou Points originally appeared on NerdWallet. [...]
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Earn Cash Selling Clothes From Your Closet With These 6 Online Resale Shops

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Earn Cash Selling Clothes From Your Closet With These 6 Online Resale Shops
Truth time: My wardrobe embarasses me. It’s not because I dislike the things I wear — it’s because I have so many things I don’t wear. Since cleaning out my closet and attempting a capsule wardrobe experiment a few years ago, I’ve unfortunately regressed to my old ways — and by “old ways,” I mean my closet is overflowing with things I just don’t wear often enough. In fact, I would guess that at this point, about 60% of my wardrobe is simply taking up space. But I’m ready to simplify again, and, in the process, I’m hoping to make a little extra money. So, I’m heading to the internet (because my local consignment shops are — shall we say — choosy) and selling my clothes in an effort to earn back some of the money I’ve carelessly funneled right into my closet (again). 6 Places to Sell Clothes Online These are the sites I’ll use to try and make a few extra bucks as I clear out my wardrobe. 1. Poshmark Poshmark touts itself as a “fun and simple way to buy and sell fashion.” And while “fun” may be an accurate descriptor, “simple” really isn’t — but that’s not necessarily a bad thing. You see, Poshmark is more than just an online platform for selling clothes — it’s a “social marketplace.” Rather than being a place where sellers can list an item, hope it sells and move along, Poshmark is powered by buyers and sellers who share fashion ideas and styling tips, browse each others’ “closets” and generally connect over clothing and fashion. What Poshmark isn’t? A set-it-and-forget-it type of site. In order to make sales on Poshmark, you need to upload quality photos, write thorough descriptions, offer style guidance, “attend” buying and selling events within the app, share and promote listings and interact with other users. Pro Tip Some successful Poshmark users recommend investing in nice packaging or thank you cards to keep your ratings up and your listings more visible. Buyers are allowed to negotiate prices, but you can choose to decline or accept an offer. For sales under $15, Poshmark takes a flat commission fee of $2.95. For sales of $15 or more, you’ll keep 80% of the profit. Once a sale is made, Poshmark will provide you with a pre-paid, pre-addressed shipping label. All in all, Poshmark is a good option for anyone who’s willing to do a little (virtual) legwork. 2. thredUP ThredUP is an online consignment and second-hand shop focusing on brand-name clothing for women and children — and it couldn’t be easier to use. If Poshmark is the most involved clothing selling site on the market, thredUP might just be the least. Sure, your return may not be quite as big as if you steamed, photographed and listed each piece individually all while liking, commenting and sharing other people’s items, but for the lazy among us, thredUP couldn’t be more convenient. Debra Wallace, the woman behind the blog Zero, also notes the small return as a con of selling on thredUP. “Used clothing is not worth much,” she writes. “So if you’re looking to make more money, you’ll have to put in more effort” using other sites or brick-and-mortar stores. For anyone who’s still on board, thredUP’s process is pretty simple: Go to the “Clean Out” tab on thredUP’s website and select “Order a Kit.” You can then choose whether you’d like to receive a standard clean out bag or an expedited one. (There’s also an option to just donate a bag of clothing, if you’d prefer to do that.) ThredUP will then send you a bag that you’ll fill with clothes, seal up and return for free with a prepaid shipping label. ThredUP will then sort through your clothes, list the keepers on the site and, depending on which clean out option you chose, either recycle or return the unwanted items to you. Depending on whether your items are highly trendy and in season or have a little more longevity to them, thredUP will determine whether to give you the money up front or when the item sells on consignment. Once your payout becomes available, you have to cash out via PayPal. 3. Swap.com Swap.com is similar to thredUP in a lot of ways, except it also accepts and sells men’s clothes and even kids’ toys and a few household items. To sell your unwanted clothing on Swap.com, you can either request an “inbound box” or simply print a prepaid shipping label to use for sending in your items. Once the company receives your items, it will price them, upload them to the site and send you your payout after your items sell. Similar to thredUP, any items not accepted for resale will either be sent back to you or donated, depending on which option you choose. FROM THE MAKE MONEY FORUM Sell photos 6/24/19 @ 3:40 PM Earning Money 6/24/19 @ 1:18 PM A Make Money Asking Questions On Quora 4/26/19 @ 12:28 AM Employment in the trades 6/20/19 @ 11:41 AM See more in Make Money or ask a money question 4. Instagram If you’re an avid Instagram user, you’ve probably stumbled across more than one person selling their “closet” on the popular app. And while it’s a clunky interface for buying and selling (sales are done through the comments under photos and via direct messages), the return is pretty good because no commissions or fees are shaved off the top. Still, selling your clothing on Instagram will take a bit of legwork on your part. You’ll have to know how to work the system (lucky you, we have some tips right here!), and you’ll have to go through the trouble of steaming (it helps), photographing and listing each piece individually. You’ll also have to be totally in charge of collecting payments and shipping the items. All in all, though, it’s a great option for those who are willing to go the extra mile to make the extra dollar. 5. Tradesy If you want to sell your clothes on a platform that’s just a little bit more seller friendly, (but still not quite as involved as Poshmark) Tradesy is the way to go. Tradesy says it deals primarily in designer and luxury items, but technically you can sell any brand from Xhilaration for Target to Gucci — and any item from purses to wedding gear. To sell on Tradesy, all you have to do is take a few photos of an item (Tradesy will even do a little editing for you to make it look better), add a description and input a price. (Again, Tradesy is pretty helpful and will suggest a selling price if you’re at a loss.) When an item sells, you can use one of Tradesy’s complimentary shipping kits to ship the item at no cost. Tradesy’s flat commission fee is a little steep: The company takes $7.50 of any item sold for under $50. If an item sells for $50 or more, Tradesy takes 19.8%. The process is a little more involved than just loading up a bag and sending it off in the mail, but with a little bit of work, your payout can be pretty good — as long as you’re selling at the right price point. 6. eBay You thought we were going to leave eBay off this list for a second there, didn’t you? But we couldn’t do that! Even though it’s been around for quite some time (and sometimes has a reputation for being unwieldy or a little outdated), eBay is still a valid option when you’re selling clothing — especially when you’re looking to make a few bucks on so [...]
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Calvert Homeschool Giveaway | Enter to win $1,000 in homeschool curriculum and $1,000 in cash!

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Calvert Homeschool Giveaway | Enter to win $1,000 in homeschool curriculum and $1,000 in cash!
If you’re a homeschooling family, you don’t want to miss this Calvert Homeschool Giveaway! {This giveaway post is sponsored by Calvert Education. Read our disclosure policy here.} Calling all homeschooling families! Through June 30th, you can head over and enter the HUGE Calvert Homeschool Cash and Curriculum Giveaway for a chance to win $1,000 in homeschool curriculum AND $1,000 in cash!! Calvert Homeschool offers self-paced learning for students and seamlessly integrated teacher manuals for parents. Colorful print curriculum is available for grades K-2, and interactive online courses for grades 3-12 allow parents to customize learning for each child. To celebrate the legacy of Calvert Homeschool and to mark the launch of Calvert’s Curriculum Re-Imagined, Calvert is hosting its biggest giveaway ever! One lucky person will win both $1,000 in Calvert homeschool curriculum PLUS $1,000 in cash!! Go here to enter for your chance to win! [...]
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