Ben Caballero, a real estate agent based in Addison, Texas, has entered the Guinness World Records after selling an astonishing 3,556 homes in a single year, a new world record.
Caballero is said to be the world’s first real estate agent to be recognized by the Guinness World Records organization for the number of home sales. It says that the 3,556 verified home sales amounts to a stunning 68 homes per week, or almost 10 homes per day, throughout 2016.
Caballero, who is the broker-owner of HomesUSA.com, was honored during a REAL Trends conference that took place in Denver, Colorado, earlier this week.
The Guinness website lists Caballero as achieving “the most annual home sales transactions through MLS by an individual sell side real estate agent.” It’s reported that Caballero sold seven-times more homes than the second-highest selling agent, who shifted 467 homes during 2016. Caballero also set a second record for the amount of money he recouped for his clients, as his 3,556 home sales totaled some $1.444 billion. This figure also tops Caballero’s previous record of $1,022 billion in sales set in 2015 for 2,491 sales when he became the world’s first “Billion Dollar Real Estate Agent.”
“Being named a Guinness World Record holder is truly the highlight of my professional career,” Caballero said in a statement. “It’s incredible that, until now, no real estate agent has ever been recognized for setting a world record for home sales. I am honored.”
“For years, our rankings have recognized the accomplishments of thousands of real estate professionals, but no one came close to achieving what Ben has,” said Steve Murray, president of REAL Trends. “Recognition of Ben’s achievements by Guinness World Records is truly amazing.”
Caballero specializes in selling new homes for more than 65 construction companies in the Dallas-Ft. Worth, Houston, Austin, and San Antonio areas.
Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected].
Some companies make regular payments, called dividends, to investors who own shares of its stock. For investors, this may be considered an advantage of investing in a company — though they may wonder, when are dividends paid?
Not all companies pay dividends, so if steady dividend income is the goal, an investor would need to look specifically for dividend-paying investments.
How often do dividends pay? Dividends are typically paid quarterly, though there are cases where they are paid more or less frequently. But there’s more to it than simply investing in a stock and waiting for one’s dividend to roll in.
What Are Dividends?
Companies will sometimes share a portion of their profits with shareholders, and this is called a dividend. Dividends are typically distributed as cash, although it’s also possible to receive a dividend in the form of stock.
Typically, dividends work on a per-share basis. For example, if Company A pays a cash dividend of 50 cents per share, and an investor owns 50 shares, they would receive $25 in cash.
If a company pays a stock dividend, it’s usually a percentage increase in the number of shares an investor owns. So if Company A awards a 5% stock dividend and an investor owns 100 shares of Company A, they would have 105 shares after the dividend payout. 💡 Quick Tip: Did you know that opening a brokerage account typically doesn’t come with any setup costs? Often, the only requirement to open a brokerage account — aside from providing personal details — is making an initial deposit.
How Often Are Dividends Paid Out?
In most cases in the U.S., dividends are paid quarterly, or four times a year, on the same schedule as they must report earnings (quarterly). If you’re wondering why companies generally pay quarterly vs. monthly dividends, logically, it makes sense that dividends would come only after a company has finalized its income statement and its board of directors has reviewed (and approved) the numbers.
Some investments pay dividends on other schedules, such as twice a year, once a year, or as monthly dividend stocks, or on no schedule at all (called “irregular” dividends), but this isn’t typical in the United States. Ultimately, the dividend payout schedule is up to a company’s board of directors.
It’s also possible for a company to pay a special one-time dividend. Usually a special dividend is paid out when a company has had a stronger-than-usual earnings period or has excess cash on hand — from the sale of a business, perhaps, or the liquidation of an investment, or a major litigation win. These special one-time dividends may be paid as cash, stock, or property dividends.
When it comes to mutual funds that invest in dividend-paying companies, they may pay dividends on a more frequent basis, such as monthly or even weekly.
Recommended: Do IPOs Offer Dividends?
When Are Dividends Paid?
Although the answer to the question “How often are dividends paid out?” may vary, there are four essential dates involved in the payment of dividends:
1. Declaration date: This is the day that a company’s board of directors states their intention to pay a dividend.
2. Date of record: This is the date on which a company will review its records to establish who its shareholders are. In order to receive a dividend, an investor must be a “holder of record,” which means they owned shares on or before the ex-dividend date.
3. Ex-dividend date: This is the date by which an investor must have purchased shares of a stock in order to receive an upcoming dividend. If an investor bought shares of Company A on or after the ex-dividend date, the dividend would go to the investor from whom they purchased the shares — they themselves would not receive a dividend.
4. Payment date: This is the date a dividend is paid to company shareholders.
Here’s an example of how these dates work:
The Coca-Cola Company (NYSE: KO) announced a dividend of $0.46 per share on February 16, 2023. The payment date for the dividend was April 3, 2023 to shareholders of record on March 17, and the ex-dividend date was March 16. That means, to receive the dividend that was paid on April 3, you would have had to buy or have already owned Coca-Cola shares before March 16. (The Coca-Cola Company was chosen as an example only; this is not a recommendation to buy, sell, or hold KO.)
When are dividends paid?
IMPORTANT DIVIDEND DATES
for 5 Companies in the S&P 500 Dividend Aristocrats Index
Company
Dividend Payout
Declaration Date
Ex-Dividend Date
Date of Record
Payment Date
AbbVie Inc. (ABBV)
$1.48
June 22, 2023
July 13, 2023
July 14, 2023
August 15, 2023
Atmos Energy Corp (ATO)
$0.74
May 3, 2023
May 19, 2023
May 22, 2023
June 5, 2023
Chevron Corp (CVX)
$1.51
July 28, 2023
August 17, 2023
August 18, 2023
September 11, 2023
General Dynamics (GD)
$1.32
August 1, 2023
October 5, 2023
October 6, 2023
November 10, 2023
Nucor Corp (NUE)
$0.51
June 8, 2023
June 29, 2023
June 30, 2023
August 11, 2023
Typically, investors wondering, when are dividends paid?, can get information about a company’s dividend dates by visiting its investor relations page. To find this, search for the company’s name and “investor relations” online. Or check a company’s dividend history online. Many investment websites, including Nasdaq.com, track this information.
How Are Dividends Paid Out?
Once a company’s board of directors approves a plan to pay out dividends, the company announces the dividend payment information, including: the amount to be paid out, the date it will be paid, the date of record, and the ex-dividend date.
On the payment date, the dividend is paid to investors who owned the stock before the ex-dividend date.
Different Dividend Payout Methods
These are some of the ways dividends may be paid to investors.
Cash Dividends
Dividends are often paid in cash. Companies typically send cash dividends directly to an investor’s brokerage, where the money is deposited into their account. The company might also mail a check to stockholders.
Company Stock Dividends
In other cases, investors will be paid in company stocks. Some companies and mutual funds offer the option of a dividend reinvestment plan (DRIP) that will automatically buy additional shares for an investor with their dividends. This provides the advantages of both simplifying the process (since investors won’t have to receive the cash and buy more shares themselves) and potentially being more cost effective, since many DRIP programs don’t charge commissions.
Additionally, some DRIP programs discount the purchase of additional shares. For this and other reasons, some investors may specifically look to find dividend reinvestment stocks.
Property Dividends
More rarely, a company might award a property dividend instead of cash or stock payouts. This could include company products, shares of a subsidiary company, or physical assets the company owns.
What Is a Dividend Yield?
Calculating the dividend yield of an investment is useful for investors who want to compare companies and the dividends they pay. A dividend yield is essentially a measurement of the cash flow an investor will get back for each dollar they invest in a company. For investors looking for investments to help supplement their cash flow, or even to possibly live off dividend income, a higher dividend yield on a stock would be more attractive than a lower one.
Historically, high dividend yields tend to come from companies in the following fields: banks and financial, healthcare and pharmaceuticals, basic materials, oil and gas, utilities, and REITs. But it’s important to remember that high yields can also come from any company whose stock price is falling—and in those cases, it’s a sign of trouble.
To calculate dividend yield, divide the total dollar value of dividends paid per share in a year by the dollar value of one share of stock. For example, if a company paid out $3 in dividends per share and its stock currently costs $100, the dividend yield would be 3%.
There are generally two ways to find a company’s dividend payout:
• Most recent dividend payout: If a company pays a quarterly dividend, multiply the most recent payment by four to get an annual dividend amount.
• Annual report: A company’s annual report typically contains the annual dividend per share.
Investors can also check online for the dividend yield. For instance, the NASDAQ’s dividend history page on individual stocks also lists a company’s dividend yield.
Dividend amounts tend to be consistent from quarter to quarter, though they may vary slightly from payment to payment. Special one-time dividends may be of varying amounts, however, and typically aren’t included in dividend yield calculations. 💡 Quick Tip: How to manage potential risk factors in a self-directed investment account? Doing your research and employing strategies like dollar-cost averaging and diversification may help mitigate financial risk when trading stocks.
Are Dividends Taxable?
Dividend income is always taxable, but tax treatment will depend on how long an investor has held the investment and what kind of account they’re holding it in.
For instance, if an investor is holding the investment in a retirement account such as a 401(k) or IRA, the dividend isn’t taxable at the time of distribution. (Though depending on the account, the income may be taxed upon withdrawal during retirement.)
If the investment is held in a taxable account, then a dividend is considered income, and the tax rate will depend on whether it’s a qualified dividend or nonqualified (ordinary) dividend.
Tax Rate for Qualified Dividends
These are dividends paid by a U.S. corporation or a qualified foreign corporation on stock that an investor has held for a certain period of time—generally more than 60 days during the 121-day period that starts 60 days before the ex-dividend date.
For some preferred stock, the investor must have held it for 91 days out of the 181-day period starting 90 days before the ex-dividend date. Taxes on qualified dividends are paid at long-term capital gains rates, which range from 0% to 20% based on an individual’s modified adjusted gross income.
In other words, the taxes investors pay on qualified dividends are based on their overall income tax bracket, and they could pay 0%, depending on their income. Because the long-term capital gains tax rate is lower than ordinary income tax rate, qualified dividends are preferable to nonqualified dividends.
Tax Rates for Long-Term Capital Gains
Tax Rates for Long-Term Capital Gains
Filing Status
0% Rate
15% Rate
20% Rate
Single
Up to $44,675
$44,676 to $492,300
Over $492,300
Head of household
Up to $59,750
$59,751 to $523,050
Over $523,050
Married filing jointly
Up to $89,250
$89,251 to $553,850
Over $553,850
Married filing separately
Up to $44,675
$44,676 to $276,900
Over $276,900
Tax Rate for Nonqualified Dividends
The more common type of dividend is a nonqualified — or ordinary — dividend. When companies pay ordinary dividends, they’re considered ordinary income, so an investor will be taxed at ordinary income tax rates.
In general, investors should assume that any dividend they receive is an ordinary dividend unless told otherwise. (The payer of the dividend is required to identify the type of dividend when they report them on Form 1099-DIV at tax time.)
Can You Live on Dividends?
In general, retirees should plan to live off a combination of Social Security, interest income from bonds, and selling a small portion of their investments each year. The 4% retirement rule maintains that if one withdraws no more than 4% of their portfolio each year, they’ll be able to make their nest egg last — although some financial professionals believe this formula is too conservative.
Investments that pay regular dividends may shift an individual’s retirement equation by providing steady income over time that may allow them to sell fewer investments — or no investments at all. The amount of dividends a stock pays often grows over time as companies get larger and continue to increase their profits.
Investing with an eye toward dividend income may allow an investor to create an income stream that could successfully supplement their Social Security and other income in retirement.
Investing With SoFi
Dividends — cash or stock rewards from a company to its shareholders—are typically paid quarterly to qualifying shareholders. These financial “bonuses” can be attractive to investors, who may seek out dividend-paying companies specifically in hopes of boosting their bottom line. Some investors look specifically for investments that pay dividends as a way to generate income and savings for retirement.
Dividends may provide a source of consistent and predictable income, which may be a helpful addition to an individual’s portfolio, depending on their investing goals. Investors may choose to use dividend income to supplement other income or to reinvest in their portfolio.
Ready to invest in your goals? It’s easy to get started when you open an investment account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).
Invest with as little as $5 with a SoFi Active Investing account.
FAQ
How long do you have to hold a stock to get a dividend?
In order to get a dividend, an investor needs to be a “holder of record.” That means they need to buy, or already own, shares of the stock before what’s known as the ex-dividend date, which is the business day before the date of record. The date of record is when the company reviews its records to determine who its shareholders are. The date of record is generally announced when the dividend is announced.
Are dividends taxed if they are reinvested?
Yes. Dividends that are reinvested are considered income, just like cash dividends, and must be reported on your tax return. The way you are taxed on dividends depends on whether your dividends are qualified or nonqualified. The more common type of dividend is nonqualified, and these dividends are taxed at ordinary income tax rates. Qualified dividends are taxed at long-term capital gains rates.
What happens if you take more dividends than profit?
Typically, a portion of a company’s earnings should go to paying out dividends. This is known as the dividend payout ratio. Investors typically look for payout ratios that are 80% or less — meaning that the company is not paying all of its earnings in dividends.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
SoFi Invest® The information provided is not meant to provide investment or financial advice. Also, past performance is no guarantee of future results. Investment decisions should be based on an individual’s specific financial needs, goals, and risk profile. SoFi can’t guarantee future financial performance. Advisory services offered through SoFi Wealth, LLC. SoFi Securities, LLC, member FINRA / SIPC . SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below. 1) Automated Investing—The Automated Investing platform is owned by SoFi Wealth LLC, an SEC registered investment advisor (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC, an affiliated SEC registered broker dealer and member FINRA/SIPC, (“Sofi Securities).
2) Active Investing—The Active Investing platform is owned by SoFi Securities LLC. Clearing and custody of all securities are provided by APEX Clearing Corporation.
3) Cryptocurrency is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.
For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, please visit www.sofi.com/legal.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or prequalification for any loan product offered by SoFi Bank, N.A.
Want to learn how to get free Apple gift cards? Here are 13 ways.
Want to learn how to get free Apple gift cards?
Who wouldn’t want to receive Apple gift cards for free? After all, you can use an Apple gift card for buying a laptop, iPhone, iPad, Apple Watch, iCloud, and more. In this article, I’ll share several methods to help you earn Apple gift cards all from home.
Many websites allow you to earn free Apple gift cards by completing simple tasks, scanning your grocery receipt, or participating in market research. These platforms don’t only provide Apple gift cards; some also offer other free gift cards like Visa or Amazon.
Now, before you think this isn’t possible. I have personally earned over 100 free gift cards over the years and it’s always nice to use a free gift card to pay for something that I want.
Related content:
How to Earn Free Apple Gift Cards
Today, I will be talking about the different ways you can earn free Apple gift cards. By spending your time on these sites and apps, you can earn rewards and points that can be traded for gift cards.
Here’s a quick list before we begin:
1. Swagbucks
Swagbucks is a popular rewards platform where you can earn points (called Swagbucks or SBs) by completing tasks like taking surveys, watching videos, or playing games. The earned points can be redeemed for various gift cards, including Apple Store gift cards (and even Google Play gift cards).
I have been using Swagbucks for years, and I have earned over 105 gift cards for free so far. It is easy to earn points and the site is very easy to use.
How Swagbucks works:
Click here to sign up for free for Swagbucks (and receive a $10 bonus).
Start collecting points by answering surveys, using their search engine, playing games, using coupons, and more.
After you’ve collected enough points, you can redeem them for Apple gift cards. (as well as many other options).
2. Fetch Rewards
Fetch Rewards is an app that allows you to earn points by scanning receipts from grocery stores. The points earned can be redeemed for Apple gift cards and other rewards.
I use Fetch Rewards every single time I go to the grocery store. It takes less than a minute to use and earn points, so it’s a no-brainer. My routine involves visiting the grocery store and shopping as usual. No need to open the Fetch Rewards app beforehand. After shopping, I check out, and upon getting home, I open the app on my phone and take a photo of my receipt. Fetch Rewards swiftly scans and credits my account with points – a quick and easy process!
Here is how Fetch Rewards works:
Purchase items in your usual manner, whether online or in physical stores.
Capture an image of your receipt using your phone when you’ve finished shopping.
Accumulate points through Fetch Rewards.
You can sign up for Fetch Rewards by clicking here.
3. Honey
Honey is a browser extension that automatically applies coupon codes when you shop online.
Honey is a little secret weapon for online shopping. Imagine shopping like you usually do, and right at checkout, Honey swoops in to find and apply the best coupon codes for you.
Later on, you can turn those points into free Apple gift cards. And guess what? It’s super simple – just two clicks! Oh, and the best part? It won’t cost you a dime – it’s totally free!
You can learn more about Honey here.
4. American Consumer Opinion
American Consumer Opinion is a market research company that rewards users for sharing their opinions through online surveys. Once your earnings reach a certain threshold, you can redeem them for gift cards or cash.
Signing up won’t cost you a thing, and you can earn $1 to $5 (the longer surveys pay more!). They’ve given out a whopping $35 million+ to survey takers, with 20 million surveys posted. And guess what? They’ve got a massive community of 7 million+ members!
Click here to sign up for American Consumer Opinion.
5. Survey Junkie
Survey Junkie is a dedicated survey platform where you can earn points by taking part in daily surveys. These points can be exchanged for Apple gift card codes or other rewards like PayPal money or prepaid Visa debit cards.
Answering three surveys daily on Survey Junkie will earn you around $40 a month.
Companies pay for opinions and online surveys because they are trying to figure out what they can do to improve their products and company. Sometimes, they even use feedback to create whole new products to fill a need. Paid online surveys are extremely helpful for a company, as you can see.
You can sign up for Survey Junkie by clicking here.
6. Branded Surveys
Branded Surveys is another survey platform where you can earn points by answering questions, which can later be redeemed for free gift cards. The surveys typically take 5-15 minutes to complete, and your feedback helps improve a company and/or their product.
They’re all about online surveys that pay you, ranging from $0.50 to $5.00 per survey. And here’s the kicker: joining up is absolutely free, just like I always suggest.
Now, here’s the cool part – Branded Surveys has showered their members with over $39 million in rewards. Impressive, right? And the cherry on top? They’ve got a treasure trove of 100+ free gift card options, such as free Apple gift cards.
You can sign up for Branded Surveys by clicking here.
7. Prize Rebel
Prize Rebel is a platform that offers a wide array of tasks to complete for rewards points. These tasks include surveys, watching videos, and even signing up for offers. Once you accumulate enough points, you can redeem them for Apple gift cards or other rewards.
What makes Prize Rebel shine? It’s a global party! Whether you’re in the U.S. or beyond, they’ve got room for you. No more location troubles! You can use Prize Rebel from almost any country in the world. However, surveys are not available to every country, but there are still other ways to earn points on this website such as by completing offer walls and referring new members.
And the cherry on top? They’ve shared over $29 million in cash and free gift card rewards since 2007. Time to snag those rewards, my friend!
You can sign up for Prize Rebel by clicking here.
8. User Interviews
Listen up, because User Interviews is a standout in this lineup! It’s not your usual online survey spot – it’s a market research game changer. They pay much higher than the average survey site.
User Interviews is a platform that connects researchers with participants to conduct studies. By participating in these studies (usually in the form of interviews), you can earn cash, which can be used to buy Apple gift cards or other items.
You can earn $50 to $100 per hour or even more by sharing your insights on User Interviews on a variety of topics. Average payout? A sweet $65. These discussions happen over the phone or via video calls, with interviewers asking the questions. And guess what? They kickstart 2,000+ studies monthly, and they’ve rewarded over 87,000 folks in just the past year.
Click here to sign up for User Interviews.
9. Upside
Upside is a cash back rewards platform specifically for gas purchases. By using the app to find and purchase gas, you can earn cash back that can be redeemed for gift cards, such as for free iTunes gift cards.
This nifty phone app puts cash in your pocket whenever you hit up specific gas stations listed in their app. Now, not every single gas station will show up in the app, so you do need to do a little more work to get points (such as by going to a different gas station than normal).
Here’s how it works: Open the app to find nearby gas stations. Now, the fun part: you could score up to $0.25 per gallon cash back on gas! And the rewards don’t stop there. You can turn those earnings into cold hard cash in your bank or score awesome free gift cards.
You can sign up for Upside here.
10. InboxDollars
InboxDollars is another well-known platform that pays users for completing surveys, watching videos, reading emails, and even shopping online. You can cash out your earnings in the form of Apple gift cards or other popular options.
Most of their surveys pay around $0.50 to $5.00 and take 3 to 25 minutes to answer. The longer the survey, generally the more money it pays.
By signing up for InboxDollars via this link, you can get a free $5 sign-up bonus.
11. Ibotta App
Ibotta is a cash back app that gives you money when you shop, such as at a grocery store. By using the app and uploading your receipts after you’re done shopping, you can earn cash back on your purchases, which can be redeemed for Apple gift cards. I use Ibotta all the time and it is a great app!
Here’s how Ibotta works:
Step one: Get the app.
Step two: Browse available offers at the store you are planning to shop at.
Step three: Scan your receipt after you’re done shopping.
Ibotta is similar to Fetch Rewards, but there is a little more work involved. To get points on Ibotta, you will have to go to the app before you go to the grocery store and select the deals that you plan on buying. But, you are usually able to earn more points on Ibotta. The great thing about the two is that you can use the same receipts on both apps – so you can earn as many points as possible.
12. MyPoints
MyPoints is another rewards platform similar to Swagbucks, where you can earn points for shopping, playing games, and taking surveys. The points can be redeemed for Apple gift cards, Walmart gift cards, and more.
MyPoints has been featured in The New York Times, ABC News, Yahoo, and more.
They have given out more than $236 million in gift cards and PayPal cash since 1996.
Sign up for MyPoints here.
13. Referral Programs
By participating in various referral programs, usually by referring friends to a specific site or product, you can earn rewards points or cash that can be exchanged for Apple gift cards.
If you’re a fan of a website, service, or product, it’s worth checking if they have a referral program. You might score some awesome rewards while spreading the love!
How to Redeem Apple Gift Card Codes
So, you’ve redeemed your points and received an Apple gift card code. What’s next?
Apple Gift Cards can be used at the Apple Store, the Apple Store app, Apple.com, the App Store, iTunes, Apple Music, Apple TV, and Apple Books. So, you have a lot of options as you can see!
If it’s a physical gift card that you were given, then you will need to find the 16-digit code on the back of your Apple gift card or iTunes gift card. If your code is via email, you will have to simply just grab the code from the email that you receive. This code is important for redeeming the value of your gift card. Then, you will go to the App Store or the Apple website to redeem your gift card.
Also, quick note: you don’t need to have a current Apple account to use a free gift card. You can use your free gift card in-person at an Apple store (such as one at a mall near you).
But, if you want to redeem your free Apple gift card code via the online App Store, you will simply use your Apple device, such as a Mac, iPad, or iPhone and follow these instructions:
How to redeem a free Apple e-gift card on a Mac:
Open the App Store on your computer.
Click your name or the sign-in button.
Click Redeem Gift Card and follow the instructions.
If you have trouble redeeming the card with the camera, you can also enter your gift card code manually.
How to redeem a free Apple e-gift card on an iPad or iPhone:
Open the App Store on your device.
Click on your profile picture.
Scroll down to Redeem Gift Card or Code and follow the instructions.
After you successfully redeem your gift card, the balance will automatically be added to your Apple ID account. You can now use this credit to purchase Apple products like Macs, iPads, AirPods, and accessories. This area will also show you your Apple account balance so that you know how much you have left.
Frequently Asked Questions About Free Apple Gift Cards
Here are answers to common questions about how to get an Apple gift card for free.
How can I get a free Apple gift card?
You can get a free Apple gift card by signing up on the websites above. These websites will pay you to complete a variety of tasks like answering paid surveys, watching videos and movies, or shopping online through their site. In return, they give you points that can be redeemed for Apple gift cards.
How can I get a $15 iTunes gift card code for free?
To get a $15 iTunes gift card for free, you can participate in tasks or activities on the many different sites above. These websites above give you rewards for shopping online, answering surveys, scanning your grocery receipts, and more. By earning points, you can redeem free Apple card codes for the amount you want, such as $15. Most websites will have a minimum that you can redeem as well.
What are some ways to earn free Apple gift cards online?
Some ways to earn free Apple gift cards online include participating in surveys, watching videos, shopping, or using cashback websites. Sites like Swagbucks, MyPoints, InboxDollars, and Rakuten can help you get free gift cards by earning points which you can redeem for Apple gift cards later.
Are there any apps that help in getting free iTunes gift card codes?
Yes, several apps help you to get free iTunes gift card codes. Swagbucks and Fetch Rewards are examples of apps that reward you with points for completing all different kinds of tasks. You can redeem your points for free iTunes gift card codes.
Where can I find free Apple gift card codes without taking surveys?
Okay, I get it – there are a lot of survey companies on this list! Finding free Apple gift card codes without signing up for a survey site can be a bit challenging, as most websites offering gift cards usually require participation in surveys, focus groups, or product testing. However, you can try using an app like Fetch Rewards, which gives you points for scanning your grocery receipts.
Do giveaways or contests offer a chance to win Apple gift cards?
Yes, you can win free Apple gift cards by entering giveaways and contests. These types of giveaways can be found on social media or websites, and participation often involves simple things that you need to do like following an account, sharing posts, or leaving a comment. You can start by simply searching #giveaway on social media. There are also giveaway websites that you can search for on Google that lists giveaways from around the web.
Are there any websites with free iTunes gift card email delivery?
When you earn a free iTunes gift card through many of the websites above, they typically give you the gift card code via email. Once you have enough points to redeem a gift card, the website will send you the gift card code through email, which you can use to add credit to your Apple account. Using your e-gift cards is very easy and quick! I have done it over 100 times.
How To Get Free Apple Gift Cards – Summary
I hope you enjoyed this article on how to get Apple gift cards for free. As you can see, there are many great options! Many of the sites above will give you several different gift card options other than Apple as well, such as free Visa gift cards, Amazon gift cards, and more.
Here’s a list of the different ways you can earn free Apple gift card codes:
Have you ever earned free Apple gift cards? Did you know that this was possible?
Do you want to learn how to get free clothes? There are many ways to get free clothes online and in-person, which means you can save money and have a new outfit. From online shopping to community groups and social media, there are many platforms where you can find free clothes for yourself and your…
Do you want to learn how to get free clothes?
There are many ways to get free clothes online and in-person, which means you can save money and have a new outfit.
From online shopping to community groups and social media, there are many platforms where you can find free clothes for yourself and your family. In this article, I will help you find free clothing both online and near you.
Whether you’re an expert bargain hunter or just learning the ropes, taking advantage of free outfits can be the key to sprucing up your wardrobe without spending a ton of money. Read on to learn more about how to get free clothes, discounts, and clever hacks to get free clothes while maintaining your budget.
Key Takeaways
Explore online platforms, like Facebook Buy Nothing groups, Craigslist, and Freecycle.org, for free clothing options.
Connect with friends and communities to organize clothing swaps.
Blogging or social media can lead to free clothing items and discounts.
How To Get Free Clothes
1. Facebook Buy Nothing Groups
If you’re looking for the easiest way to learn how to get free clothes, Facebook Buy Nothing groups can be one of the best options in your local area. These local groups on Facebook are part of the Buy Nothing Project, which aims to connect neighbors who are willing to give items away for free, including clothing.
I have given away many, many things in my Facebook Buy Nothing group, and I see lots of clothes given away all the time. You can find free clothes for women, men, children, and babies in your local Facebook Buy Nothing group.
To get started with Facebook Buy Nothing groups, simply search for a Buy Nothing group in your town or city. If you live in a large city, there might be multiple groups for different neighborhoods. Once you find the right group, send a request to join. You can start by searching “your city name Buy Nothing Group” as an example.
After you’ve been accepted into the group, you can start looking for free clothes. Keep an eye out for posts from group members offering clothing items they no longer need, and don’t hesitate to ask questions and state your interest in the items you like. When you find something you’d like to have, simply comment on the post to let the person know that you’re interested. The person may choose to gift the item to the first person who comments, or they might decide to draw names at random.
Another way you can learn how to get free clothes on Buy Nothing is by hosting a clothing round-robin. This is when people put together a box of clothes together that goes person to person. You can try items on in your home, take clothing you like, add to the box, and pass it along to the next person.
Facebook Marketplace may also have free clothing listed as well.
2. Look at Craigslist for free clothing
Craigslist has a free section on their website where you can find clothing and other items that people are giving away.
To get started, go to Craigslist.org and head to the free section of the website. Then type “clothes” or whatever specific article of clothing you are looking for in the Craigslist search bar.
Then when you find a free clothing listing that you like, simply click on the title or image to view more information about the offer and send an email to the person.
Note: For your safety, it is a good idea to meet the person in a public place and bring a friend along when you pick up the clothes.
3. Check Freecycle.org for clothing and shoes
Freecycle.org is a great resource for where to get free clothes online.
Freecycle is a nonprofit movement/website that allows members to give away and receive items for free in their local area. Freecycle is all about reducing waste and keeping items out of landfills.
To get started, create a free account on Freecycle.org and start looking at what is available in your area.
When you find something you like, simply respond to the listing, and the person will give you details on how to pick up the items.
For more content related to how to get free clothes, check out: 15 Awesome Ways To Get Free Stuff.
4. Organize a swap with friends to get free clothes
Setting up a clothing swap with friends and family is a fun way to refresh your wardrobe while also learning how to get free clothes.
Here are some steps to host a fun clothing swap:
Set a date and location – Choose a date and time that works for you and your friends. It’s a good idea to host the swap at your home or another comfortable space where everyone feels welcome. Make sure there is enough room for everyone to display and try on clothes.
Invite your friends – Create a guest list and send out invites. You can use social media, email, or text message to invite your friends. Make some ground rules for how the swap will work, and ask everyone to bring clean, gently used clothes that they no longer wear.
Prepare the space – Set up an area where friends can display their clothing items. This can be as simple as just using a dining room table or everyone sitting on the couch in the living room.
You can make it even more fun by asking everyone to bring snacks and food as well and make it more of a potluck.
I also recommend checking out the website Rehash. This is an online swap website where you can trade clothing with others online.
5. Birthday freebies
Many stores give you discounts or free stuff on your birthday when you sign up for their email lists or by joining customer loyalty programs.
These offers can be in the form of discounts, coupons, or even free items for a limited time.
Related: 31 Birthday Freebies You Should Sign Up For
6. Participate in sweepstakes and contests
If you want to learn how to get free clothes from companies, participating in sweepstakes and contests is a great option. Many stores and clothing brands have contests on their social media platforms, offering free clothing or clothing gift cards.
You can often find these by simply following your favorite stores and brands on social media – like Facebook, Twitter, and Instagram – to see when they hold a giveaway.
Another way to find sweepstakes and giveaways to enter is to search related hashtags on Twitter, Facebook, and Instagram. Many times, sweepstakes and giveaways are tagged with these hashtags in order to grow even more and so that people can find them. I used to enter giveaways all the time, and this is exactly how I would find giveaways to enter. Some hashtags to find free online clothing giveaways include:
#sweepstakes
#giveaway
#clothinggiveaway
#contest
7. Find money-making apps that will pay you in clothing gift cards
If you’re looking to add some new clothing to your wardrobe without spending a lot of money, you can try using money-making apps that give you free gift cards or PayPal cash.
This may include taking surveys and shopping online, you can earn points that can be redeemed for gift cards to popular clothing stores. Here are some apps to consider using for free gift cards:
Swagbucks is a popular site that rewards you for completing tasks, such as watching videos, taking surveys, and shopping online. You can earn points and redeem them for gift cards from popular stores, like Amazon, Target, Walmart, Adidas, and Under Armour, where you can purchase clothing.
American Consumer Opinion is a popular survey website where you can get paid around $1 to $5 (longer surveys pay more than shorter ones) for each survey you answer.
Branded Surveys is an online survey company that pays around from $0.50 to $5.00 per survey that you answer. Like with all survey companies that I recommend, it is free to join.
Fetch Rewards is a grocery rewards app where you can redeem your points for clothing gift cards. You scan your receipts from grocery shopping and earn points that can be exchanged for gift cards at various clothing stores, like American Eagle, Gap, Lululemon, Old Navy, and more.
Upside is a cell phone app that gives you cash back for using the gas stations that are listed in their app. You simply sign up for a free account, and then look at the Upside app to find gas stations located near you. With Upside, you can make up to $0.25 per gallon cash back at gas stations. You can then redeem your earnings for cash to your bank account, but also for free gift cards to H&M, Nike, Target, Walmart, and more.
Ibotta is an app where you can unlock rebates and rewards, go shopping, verify your purchases, and then get cash.
By using these apps, you can earn gift cards to clothing stores without spending a dime.
Related: 16 Real Ways To Earn Free Gift Cards (Amazon, Target, Visa)
8. Redeem credit card rewards points to put towards free gift cards for clothes
You can benefit from using your credit card rewards points to score free gift cards for clothes!
Many credit card issuers offer reward programs, which give you points for every dollar you spend. By accumulating these points, you can redeem them for various rewards, including gift cards to your favorite clothing stores.
The way that rewards credit cards work is that every time you use your credit card, you can earn points for spending money. Yes, spending money just like how you normally spend money.
Two rewards credit cards that I personally like include:
Note: Using credit cards for their rewards is only wise if you are a responsible credit card user. You do not want to add debt to your life to earn credit card rewards, as debt that gains interest is not free or worth it! You need to make sure you’re paying your credit card balance in full each month for the gift card rewards to be worth it so that you are not taking on debt that you don’t need.
9. Start a clothing blog or social media account
Starting a clothing blog or social media account can be a fun way to get free clothes to promote. By building a following, clothing brands may want to partner with you and give you free clothing.
To begin, choose a platform where you want to focus your time, such as starting a fashion blog or setting up an Instagram account. For example, if you’re passionate about taking pictures, Instagram can be a perfect platform for this. If you want to focus on writing, then a blog may be better. If you prefer video, then starting a YouTube channel or TikTok may be for you.
Next, you’ll want to focus on growing your audience. You can grow your following by regularly posting high-quality content and replying to comments.
Once you are ready, you can start reaching out to clothing brands for possible partnerships by sending emails or social media messages, telling them that you are interested in promoting their products and discussing how the collaboration can benefit the both of you. You may be asked to share statistics about your blog or social media account, including your follower count and engagement rate to show that the partnership would be worthwhile.
In addition to receiving free clothing, partnering with clothing companies can lead to other benefits, such as promo codes for your readers or even earning referral income for any purchases from followers made through your affiliate links.
You can learn how to start a blog in my free How To Start a Blog Course.
Note: Please keep in mind that being a trustworthy blogger or social media influencer means always disclosing when a post is sponsored or when you receive a product for free. Adding disclaimers is also the law when using affiliate links or sharing sponsored posts.
10. Get a job at a clothing store
When I was younger, I worked at a clothing store. If we beat our monthly sales goals, we were given a percentage of that in a gift card to the store. This was a great way to get free clothing!
Now, not all clothing stores have this perk, but you may be able to ask around and see if others do.
Another perk of working at a clothing store is the employee discount that you can get. As an employee, you typically receive a good employee discount – sometimes up to 50% off. This could be a great way for you to save money on clothes while earning a paycheck.
11. Reach out to a local nonprofit or charitable group
Many nonprofits or charitable groups offer free clothing to those in need.
Shelters, religious organizations, and other groups often have clothing banks available. Don’t be afraid to reach out to these organizations if you find yourself needing how to get free clothes for everyday or work.
12. School donation programs
Some schools and universities host clothing donation programs, which can help students who may be struggling financially.
You can keep an eye out for these events to get free clothes for yourself or your children. Schools might even have partnerships with local retailers, providing designer clothing at no cost, along with essentials.
I recommend reaching out to your school and asking what options are available for you.
13. Local yard sales
Yard sales are a great place to find cheap or even free clothes. Some homeowners may be willing to part with clothes for very cheap or free, especially towards the end of the day when they are packing up and they want to get rid of the items that are remaining.
14. Pregnancy and baby sample boxes
If you are pregnant, then you can probably get a free baby box filled with items you’ll want and need.
You typically get a free baby box when you create a baby registry. These boxes are often filled with free baby samples, such as a baby onesie, baby bottles, diapers, pacifiers, and more.
I got both the Amazon baby box and the Babylist baby box when I was pregnant, and they were both great and free! I simply created a registry through both sites (which is something that I was already doing), and I received the free baby box once someone purchased something off my baby registry.
In each, there was one baby onesie. So it wasn’t a lot of free baby clothing, but it was fun to receive and there were lots of other free items in the box as well.
Related: Best Baby Gear – Guide For New Parents
15. Refer friends to your favorite stores
Referral programs are offered by many online clothing companies, and this may get you some free clothing.
When you refer a friend to the website, both you and your friend often receive a discount or credit towards your next purchase. You can share your unique referral link with friends and family, or promote it on social media to reach a larger audience.
Some online stores which have a referral program include Lulus, Poshmark, ThreadUP, Stitch Fix, Rent The Runway, and many more.
Make the most of online shopping to get money to put towards clothes
When shopping online, there are ways that you can save money. While these won’t lead you to getting entirely free clothing, these tips can make clothing more affordable.
Use coupons and promo codes –Always keep an eye out for coupons and promo codes before making a purchase to save money on clothes. Websites, like Honey, often have promo codes available for online stores. This way, you can save on your purchases and have more money to put towards new clothes. You can install the Honey browser extension, which automatically finds and applies available coupon codes and promo codes when you shop online. Then shop like normal and when you’re ready to checkout, Honey will instantly find and apply the best coupon codes directly to your shopping cart.
Cash-back sites –Using cash-back sites is another smart way to save money on your apparel purchases. Rakuten offers cash back (up to 40% cash back!) for shopping at many different online retailers (they have thousands of options). Simply browse the Rakuten website, find stores you normally shop at, and earn a percentage of cash back for every purchase.
Loyalty programs –Signing up for loyalty programs can be a great way to earn points or rewards that can be put towards new clothes. Many clothing stores offer rewards programs for their customers. As a member, you can earn points with each purchase that can be redeemed for discounts or even free clothing items.
Shop at thrift stores and consignment shops –Thrift stores can be a great source of free or inexpensive clothes. There are even online thrift stores, such as ThredUP and OfferUp.
Frequently asked questions about how to get free clothes
Below, I answer common questions about ways to get clothing for free.
Where can I find free clothing giveaways?
One way to find free clothes that are being given away is to search for online giveaways and contests. You can find these by going to giveaway websites, or searching hashtags on Twitter and Instagram, such as #giveaway and #clothinggiveaway.
There are many if you want to learn how to get free clothes, such as reaching out to nonprofit organizations, shelters, and churches in your local area. You can also check out websites, like Freecycle.org or Craigslist, for listings of free clothing resources in your community. Also, joining local Facebook Groups for clothing swaps or free items may help you find free clothes near you.
How can I receive free clothes delivered to my door?
By participating in referral programs, product testing programs, or signing up for clothing site rewards, you can potentially receive free clothes delivered to your door.
How to get free items from SHEIN?
There are a few ways to get free Shein clothes, and this is a very popular question about how to get free clothes!
There is a Shein Free Trial Center where you may be able to test out outfits for free. You will have to write a product review for the item you get for free with the Shein product testing program.
There are also Shein giveaways on social media all the time that you can enter as well.
How do I manage to have a great wardrobe on a tight budget?
To have a great wardrobe on a tight budget, you may want to focus on versatile and timeless pieces that can be mixed and matched. This may include shopping sales, clearance sections, and secondhand stores to find affordable clothing items. You can also swap clothes with friends or attend clothing swap events to save money.
How can I get a lot of clothes with little money?
You can get a lot of clothes with little money by shopping at thrift stores, discount stores, and clearance sales.
How do I get free athletic wear?
Many running shoes have a product testing program for athletes and runners, such as the Saucony product testing program, Reebok product testing program, New Balance tester community, and the Nike product testing program.
These companies will need your shoe size and some other information from you before they can send you anything. There will most likely be an in-depth questionnaire for you to answer after you try the shoes.
In some cases, you will not be able to keep the shoes, just so you know.
How To Get Free Clothes Online Without Paying – Summary
I hope you enjoyed today’s article on my best tips and tricks on how to get free clothing. As you can see, there are many ways to get started!
Whether you are looking for free t-shirts, jeans, shoes, work clothes, or something else, there is plenty of free apparel if you look around.
With Facebook Buy Nothing groups, Craigslist, and Freecycle.org, you can connect with like-minded individuals and exchange items without needing to pay. Also, connecting with friends, family, and online communities by organizing clothing swaps, working with money-making apps that offer gift cards, and blogging or engaging on social media can lead to free clothing items as well.
Remember, when you maximize your online shopping by using loyalty programs, cash-back apps, referral programs, and coupons, you’ll have more money to put towards new clothing items.
Do you know how to get free clothes? What’s your favorite way?
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For months, experts have been sounding the alarm about how Americans who took out mortgages when rates were low are reluctant to sell and borrow now that they’ve skyrocketed.
New research, however, has found there is a magic number that makes homeowners more motivated to move.
A June survey of 1,815 homeowners from real estate listing site Zillow found that homeowners with mortgage rates 5% or higher were significantly more likely than those with lower rates to say they plan to sell. As home listings tick down amid today’s elevated rates, the findings suggest that supply could increase again in the coming years.
What the data says
Homeowners with mortgage rates 5% and up were twice as likely to say they plan to sell their homes in the next three years than those with rates under 5%. Among homeowners who said they have plans to sell, almost half paying mortgage rates above 5% said they already have their house listed for sale. (Only 20% of homeowners paying rates below 5% said the same.)
For perspective, about 80% of mortgage borrowers said their current rate is below 5%, and 90% have a rate under 6%. Nearly a third said their rate was less than 3%.
Of homeowners with higher mortgage rates who said they were thinking about selling, 65% said rates were an influencing factor. About 35% of lower-rate homeowners said the same.
Keep in mind, though, that factors other than mortgage rates can play a role in a homeowner’s choice. The survey found that fewer than half (42%) of all homeowners thinking about selling said that mortgage rate fluctuations were a reason they decided to move.
What it means
Mortgage rates are hovering around 7% at the moment, and most homeowners would have to take out new mortgages at a higher rate if they were to move. According to Zillow, the ordinary monthly mortgage payment is now twice what it was in 2020, when rates were at historic lows.
Homeowners who took out mortgages when rates were lower could pay hundreds more a month if they take out a new mortgage right now. It’s no surprise that, as a result, homeowners are reluctant to move and locked into their current rates.
Mortgage rate locks push home prices up and listings down, creating a challenging market for buyers. Zillow’s June housing market report found that there were 28% fewer new for-sale listings compared to the same time last year.
Home values have climbed in all the 50 largest metropolitan areas, bringing the typical U.S. home price to more than $350,000. Another recent report from real estate listing site Redfin found that homebuyers have lost $60,000 in purchasing power in the last year. Mortgage rates are so high that “many homeowners will move only for major life events, like a new baby or retirement,” Orphe Divounguy, a senior economist at Zillow Home Loans, said in a news release.
Despite the difficult circumstances, Zillow says its analysis offers hope that more homes could hit the market in the next few years as homeowners accept higher rates as the new norm. About 23% of homeowners surveyed said they were thinking about selling in the next three years or already have their home listed. Among homeowners with a mortgage rate above 5%, 38% said they would consider selling their home in the next three years.
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Getting creative
Additional research from Zillow Home Loans also found that buyers are finding creative ways to cope with high mortgage rates.
A separate survey released in April found that 45% of all buyers are purchasing mortgage points — which allow buyers to pay a fee to buy down the interest rate on a loan — to lower their interest rate. They’re also opting for smaller, cheaper homes and keeping an open mind when it comes to their wish lists.
More from Money:
Foreclosures Are on the Rise in These 10 U.S. Cities
Housing Market Forecast: Will Home Prices Drop in 2023?
Property Values Might Fall Soon — Here’s What Homeowners Can Do to Prepare
The Fountainbleau has crested the wave of Miami glamour for more than 50 years.
The iconic building, widely recognized as one of the most historically and architecturally significant hotels on Miami Beach, has long been captivating locals and travelers with its distinctive design — which bears the signature of renowned architect Morris Lapidus. Lapidus’s neo-baroque style came to define the 1950s and ’60s resort-hotel design and has since become synonymous with Miami and Miami Beach.
Ever since the Fountainbleau Miami first opened its doors in 1954, the famed curvilinear resort has been a magnet for the biggest names in Hollywood.
Back in the ’50s and ’60s, guests staying at the hotel could rub shoulders with some of the most famous names in the entertainment industry like Elvis Presley, Lucille Ball, Bob Hope, and Judy Garland, who often stayed at the resort when in town.
Stellar performances have also been at the heart of Fontainebleau since Frank Sinatra made it the headquarters of his Rat Pack in the Fifties, and that element is just as relevant today. The resort’s nightclub, LIV, is considered one of the top clubs in the U.S., often frequented by some of the biggest celebrities in the world.
Following a massive $1 billion renovation completed in 2008, the Fontainebleau Miami Beach significantly expanded its footprint with the addition of two new luxury all-suite towers (Trésor and Sorrento) to the existing original structures, Chateau and Versailles.
Now, one of the penthouses set atop the Trésor building is up for grabs — with a price tag that matches the caliber of the building it’s set in.
Listed for a whopping $22 million, Penthouse North is one of only two penthouses in the tower (which consists of 462 units, but half of them are studios, the other half one-bedroom apartments, with just two penthouses) and sits on the 37th floor of the Fontainebleau II / Trésor building.
Michele Redlich with Coldwell Banker Realty holds the listing. A true expert in everything Fontainebleau, Michele has sold around 460 apartments at the famed Miami resort, far more than any other Miami area real estate agent. Currently, there are 13 active listings in the building, and she holds 10 of them, including the Penthouse North unit which — at $22 million — is now the priciest in the building.
Penthouse North spans 4,500 square feet and offers 5 bedrooms and 5 full baths, and is anchored by a light-flooded great room with high ceilings and soaring windows with uninterrupted ocean views.
Related: Mar-a-Lago Neighboring Mansion Sells for a Whopping $50 Million
The unit’s square footage is extended by the generous outdoor space, which includes a huge terrace with mesmerizing views, as well as a private pool and shower.
The penthouse can also serve as a passive income driver, as future owners can enroll in the hotel rental program, and earn income while not occupying the property.
And the Fontainebleau Resort’s endless list of upscale amenities can definitely help attract short-time tenants. Fontainebleau guests and residents enjoy 22 oceanfront acres of amenities like award-winning restaurants, the famous LIV night club, a marina to keep their yachts, the Lapis spa and fitness center, and on-site services like valet and daily free breakfasts in the owners lounge.
Now, if the pictures got you thinking that the building looks familiar (even though you’ve never been to Miami), there’s a good reason for that.
The Fontainebleau Miami is more than just a celebrity favorite; it has also long been a go-to filming location, with major productions like Goldfinger (James Bond, 1964), The Bellboy (1960), Scarface (1983), The Specialist (1994), and The Bodyguard (1992) filming scenes at the Fontainebleau.
It’s also one of the best-rated resorts and hotels in all of Miami, so make sure to add it to your roadmap the next time you find yourself in the Magic City.
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Malcolm in the Middle star Frankie Muniz just put his Phoenix mansion on the market for $3.5 million. This isn’t the first time the former child star, who originally moved to the Phoenix area when he was pursuing a career as a race car driver, has bought and sold property in the region.
His 5,300 square foot mansion with four bedrooms and five baths has a lush garden paradise vibe going on, which is quite the contrast to the surrounding desert climate.
The property is known as Il Segreto (The Secret)–a fitting name for an Arizona oasis. If you’re into homey, bungalow styled mansions, then this place just might be your dream home. Don’t take my word for it, though, check out the pictures below.
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Photos via Realtor.com
Carter Wessman
Carter Wessman is originally from the charming town of Norfolk, Massachusetts. When he isn’t busy writing about mortgage related topics, you can find him playing table tennis, or jamming on his bass guitar.
A landslide struck Laguna Beach’s Bluebird Canyon in 1978 — smashing cars, buckling streets and destroying 24 homes. An adjacent swath of earth broke loose in 2005, wiping out 12 more homes.
That wasn’t enough to keep Scott Tenney away. In 2010, Tenney and his wife, Mariella Simon, bought a 15-acre hillside ranch near the disaster area despite the listing warning that the property was on the site of an ancient landslide.
“We knew we’d have to do a bit of terracing and retaining, but California is what it is,” Tenney said. “It’s a dynamic place not just culturally, but geologically.”
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From an outside perspective, his might seem a confounding decision. But in Southern California it’s an extremely common one, because that geological diversity, as Tenney calls it, is not just the danger. It’s the allure.
Elevation has long been aspirational here — an escape from the urban flats.
Since settlers first started pouring in from the relative flatness of the East Coast and Midwest, they were captivated by California’s vertiginous landscape. Plein air painters flocked to capture the light of the arroyos. Health seekers sought the clean air of the San Gabriel foothills. Folk rockers found inspiration in Laurel and Topanga canyons. And the moneyed elite started building their houses higher and higher above the basin, forever seeking the trophy perch with the show-off view.
But that perch has always come at the risk of catastrophe. Homes slide into a gulch in Palos Verdes. Fires roar over the Malibu hills. A debris flow kills 23 people and destroys 130 homes in Montecito. Heavy snow traps thousands in the San Bernardino Mountains. And winter storms pull fragile bluffs into a rising sea.
These natural disasters so often occur where the tectonic plates collided and folded into beautiful vistas.
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While other regions may face only one main disaster threat — tornadoes in the Midwest, hurricanes on the Gulf and East coasts — California’s extreme topography brings siege from all sides: the ocean, the trees and brush, the sky above and the ground below. And oftentimes, the most attractive areas are some of the most dangerous.
A land of disasters
More and more people are crowding into the Wildland Urban Interface — the zone of transition between unoccupied land and human development. It’s where properties mingle with undeveloped (and often steep) land, and it’s uniquely susceptible to natural disasters.
According to the U.S. Fire Administration, this area grows by 2 million acres a year as people fan out to the edges of wilderness in search of affordable houses, more space or simply a break from life in the city. And California holds more homes in this dangerous zone than any other state in the country.
And prices keep soaring. It doesn’t matter if a house sits on stilts on the side of a cliff, if it’s a landslide complex slowly sliding toward the sea, or if it’s predicted to be knee-deep in water in a couple of generations — there will always be a buyer.
As Californians flock to risky areas, disasters take a greater toll. Over the last decade, the state has experienced 20 disasters that each cost at least $1 billion in damage from flooding, wildfire and extreme heat. Those 20 alone combined for 783 deaths, according to National Centers for Environmental Information.
According to the real estate listing database Redfin, the trend is nationwide. Last year, the country’s most flood-prone, heat-prone and fire-prone counties all saw more people move in than out. Redfin researcher Sheharyar Bokhari blames one primary factor: the housing affordability crisis.
“L.A. and most other coastal cities are expensive. With remote work becoming more of an option, people are finding they can have more space and finally afford a home if they move to riskier areas,” he said.
Bokhari said another L.A.-specific factor is development — mainly that there’s not as much being built in the city compared to the more rural areas surrounding it.
He points to the Inland Empire, which is typically more affordable than L.A. County. In Riverside County, roughly 600,000 homes face a high risk of wildfire, the most of any of the 306 high-fire-risk counties in the country. Despite that, the county’s population grew by 40,000 over the last two years.
Even if experts — and common sense — say to stay away from certain areas, Bokhari said that won’t likely happen because local governments aren’t incentivized to push people out.
“These disaster-prone cities need revenue and people paying taxes,” he said. “They just claim that they’ll be more resilient and take more safety measures going forward,” he said.
Where else would I go?
Since moving onto the ancient landslide zone, Tenney and his wife founded Bluebird Canyon Farms, which offers workshops and grows food for local markets. His time is split between that and taming the erosion-prone land beneath the farm.
To combat sliding land, Tenney installed a gravity wall, 200 feet long and 9 feet tall, to retain the hillside. In addition to grading the terrain to make the slopes gentler, he added powerful drainage systems and timber-and-concrete cribbing to keep structures in place.
The work never stops, and Tenney keeps a monthly schedule to keep up with tasks. Clear brush in spring. Clean storm drains in September. Inspect terracing every few months.
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“You can run but you can’t hide,” he said, adding that urban centers such as L.A. have their own laundry lists of things to worry about: crime, homelessness, etc. “You won’t experience a wildfire in downtown L.A., but there are plenty of other things to be concerned with.”
Cribbing systems used by Tenney have become commonplace in Portuguese Bend, a small coastal community on the Palos Verdes Peninsula situated on a slow-moving landslide complex. Land moves up to 8 feet a year, and at that rate residents would rather ride the sliding earth toward the sea than sell and move somewhere else.
“I’ll be here until I can’t be here anymore. I’ll slide away with the land,” Claudia Gutierrez told The Times in July after a nearby landslide in Rolling Hills Estates sent a handful of homes careening down a canyon.
You’d think the real estate market in disaster-prone areas would eventually slow down, but there are no deals to be found for house hunters. Longtime residents often stay put post-disaster, and incoming residents consistently pay a premium to live in a scenic, though potentially dangerous, area.
In cities tucked among the foothills of the Verdugo and San Gabriel mountains such as Altadena and La Cañada Flintridge, buying in a high-fire-risk zone might be ever-so-slightly cheaper than buying in a safer place. And buyers pounce.
“My clients try to choose low-fire-risk zones, but if the house in the fire zone is the right price, that is more important,” said Brent Chang of Compass.
When Lisa and Michael McKean got home to Malibu Park from their honeymoon on Nov. 8, 2018, they were so exhausted that they went straight to sleep. The newlyweds didn’t even bother unpacking their suitcases of swimsuits still wet with Caribbean saltwater.
When they woke up, Lisa looked out her back window and saw a 10,000-foot cloud of billowing black smoke.
The Woolsey fire was ravaging the Malibu hills.
The pair grabbed their still-packed suitcases and fled to the Zuma Beach parking lot, where they spent the day surrounded by horses, dogs, cats and neighbors all wondering if their homes would survive.
Theirs, built a year earlier, did not.
“The entire neighborhood burned,” Lisa said. “Everything was black, scorched earth.”
Devastated, the pair spent six months crunching numbers on the cost of rebuilding versus moving. The home that was destroyed had taken four years to approve and three years to build. Their next one could take even longer.
Despite the damage, and despite the ceaseless, inescapable risk of a future fire, they ultimately decided to stay and rebuild.
Cheryl Calvert has lived in Malibu since 1985 and has adapted to a life of fire. To her, the flames are nearly routine.
“Once you make it through your first one, you realize it’s manageable. But you have to plan ahead,” Calvert said.
She keeps two bags packed at all times: one full of goggles and N95 masks and one with dog supplies.
Calvert has experienced plenty of fires during her time in the coastal community, but the worst was the Corral fire in 2007. She was in the driveway as the flames arrived, and she sprayed the corner of her wooden home with a hose as it ignited. Her guesthouse and garage burned down, but the house was saved.
She never considered leaving. Instead, she became more prepared, installing an extra water tank and leaving a pair of shoes by the front door at all times for quick escapes.
“We have to do crazy things, but it’s only crazy for an hour or two every five or 10 years,” she said.
She ran down the usual list of reasons why people move to Malibu: the beautiful landscape, the ocean breeze, the sweeping views. But she said the main reason her and so many of her neighbors stay is because of the community.
“We’re all living near like-minded people who are willing to risk themselves for each other,” she said. “It’s a bunch of hippies. Rich hippies.”
The psychology of staying
A life among the trees, coasts and cliffs is often what lures Californians to disaster-prone communities, but according to experts, the factors that make them stay after a disaster strikes are much more complicated.
Age, race and class can all indicate whether someone is more or less likely to move after experiencing a disaster. For example, Zhen Cong, professor of environmental health sciences at the University of Alabama at Birmingham, found that in the wake of tornados, the middle class might be the most inclined to move since the upper class has the resources to stay and rebuild, while the lower class is often trapped and has no other choice but to stay.
Other relocation factors include the level of damage to the home and whether the person owns the place or rents. But often the most important factor is one that can’t be easily quantified: “People who have a strong sense of place and a strong sense of community are less likely to move,” Cong said.
Ironically, some disasters can even encourage people who otherwise would have left to stay.
In studying post-tornado relocation decisions across the country, Cong found that after a disaster, people increase their disaster preparedness. Part of that includes gathering supplies, but it also includes social engagement: talking to neighbors, sharing information on social media and attending meetings. That engagement, which might not happen if a tornado doesn’t strike, brings a greater sense of community, leading people to stay in that community.
Anamaria Bukvic, an assistant professor at Virginia Tech who studies coastal hazards and population displacement, found that after Hurricane Sandy struck the East Coast in 2012, non-geophysical factors mattered the most in deciding whether to stay or leave. For example, confidence in adapting to future disasters was a more relevant indicator if someone would stay than how close they lived to the ocean.
“The experience of flooding can be emotionally disturbing and traumatic,” Bukvic said. “When facing problems, some people try to avoid them. Others try to resolve them.”
She added that confidence in government plays a major role as well. If a person believes the government responded well to the disaster and will keep them safe during the next disaster, they’re more likely to stay.
That’s something that Malibu Mayor Bruce Silverstein thinks about when overseeing the city’s disaster response plan. Although L.A. County is responsible for physically fighting the fires that plague the area, Malibu has instituted a free service in which residents can request a fire-hardening expert to inspect their property to better prepare them for the next blaze.
The city also outlaws certain types of vegetation susceptible to fire and tries to prevent excessive population growth in order to make evacuation from hills and canyons easier during emergencies. It’s the main reason accessory dwelling units (ADUs) are harder to build in Malibu than L.A.
“Unlike L.A., we don’t have standards that encourage growth,” Silverstein said. “We maintain the status quo and try to keep space between properties so if one catches on fire, it doesn’t extend to the neighbors.”
Michael Dyer, a former Santa Barbara County fire chief who now serves as public safety director for Calabasas, said safety became a top priority for the city after Woolsey, energizing the community into forming multiple volunteer commissions that plan for disaster preparedness.
“We have to provide that service as a government,” Dyer said while monitoring a brush fire in Topanga from his front porch. “No one has forgotten Woolsey yet. And as long as I’m here, we won’t.”
No simple fix
As the climate crisis worsens and the Wildland Urban Interface grows in size, experts are eyeing ways to mitigate the effects of natural disasters to save both the environment and human lives.
L.A. is currently considering an ordinance that would limit development in the Santa Monica Mountains. Using recent wildfires and the Rolling Hills Estates landslide as examples, supporters said the measure would make it harder to build mansions and large hillside homes as a way to limit damage caused by disasters, as well as protect open space and wildlife.
In addition, national insurers such as State Farm and Allstate are no longer selling insurance policies in wildfire-prone areas after a series of catastrophic fires raised premiums. Without insurance, people might be disincentivized from buying and building homes in risky areas.
Redfin is also tinkering with a way to warn people of a home’s potential dangers. The company conducted an experiment in which it showed a listing’s flood risk score to certain users but not others and found that those who were shown the scores were less likely to bid on the home.
The scores have since expanded to show risk for fire, heat, drought and storms.
In the meantime, Californians continue to build, and rebuild, in disaster-prone areas. Lisa and Michael McKean, whose home burned down in 2018, moved back into Malibu Park in 2021.
As neighbors slowly filter back into the neighborhood, they walk around to measure progress and congratulate those who have returned.
“We used to hate cement trucks and jackhammers, but now we celebrate them,” Michael said. “The cheery sound of construction.”
When college freshmen step foot on campus, they may go to an activity fair and see members of sororities and fraternities encouraging recruits to join. They might want to know that becoming part of Greek life can have its upsides and downsides.
Whether or not students decide to let their Greek flag fly depends on their personality, their specific situation, and their goals while they are in school. Some may find Greek life incredibly enriching, and others could decide it’s a waste of their time.
Here’s a look at what Greek life is like and pros and cons you may want to consider when deciding if joining a fraternity or sorority is right for you.
What Is Greek Life in College?
Greek life is made up of communities of students who live together, volunteer for different organizations, pursue networking opportunities, and much more. The communities consist of sororities for women and fraternities for men.
Sororities and fraternities may have various objectives, but overall they exist so that students can make meaningful connections with one another, develop leadership skills, and give back.
Roughly 15% of men join fraternities at U.S. colleges, while about 18% of women join sororities.
Students who are interested in becoming members must apply and then go through an initiation process. Once accepted, they will live with their sorority or fraternity, usually in a house on campus, and participate in activities like sports, dances, parties, and community service opportunities.
Sorority and fraternity names consist of two or three Greek letters, like Phi Kappa Theta, Sigma Pi, or Delta Zeta, a nod to the first U.S. Greek letter society, Phi Beta Kappa, founded in 1776 at the College of William and Mary as a literary, debating, and social club.
Many students only know about sororities and fraternities from pop culture references like “Revenge of the Nerds,” “Animal House,” “Legally Blonde,” and “Old School,” which depict a perennial party.
While that is certainly true in some instances — and fraternities have come under fire for their alcohol use and hazing rituals — Greek life can be much more meaningful and beneficial than these portrayals. 💡 Quick Tip: SoFi offers low fixed- or variable-interest rates. So you can get a private student loan that fits your budget.
Upsides of Greek Life
Joining a fraternity or sorority comes with a number of advantages. Here’s a look at some of the perks.
Friends
When new students first get to college, they may not know where to turn to make connections. If they become part of a sorority or fraternity, they could make many new friends right away, bond with them through different activities and social events, and remain friends for life.
Networking Opportunities
Students will also have the chance to network with their new peers. When they’re searching for internships or jobs, these connections can prove to be highly valuable.
Plus, if a job hunter lists their sorority or fraternity on a resume and a recruiter is a Greek life alumnus, that could open up a conversation and make a candidate stand out.
Recommended: 3 Summer Jobs Ideas for College Students
Possibly Cheaper Housing
Living in college dorms can be pricey. If students are sharing a house with many members of a sorority or fraternity, they could potentially save money.
They may also save money by having access to a full kitchen, where they can make meals instead of purchasing a meal plan or eating at restaurants all the time.
Recommended: 20 Ways to Save Money in College
Development of Leadership Skills
Sororities and fraternities need leaders who will come up with ideas for activities, pilot volunteering efforts, and recruit members.
If members step up and decide they want to become leaders, then they are taking on new responsibilities and developing crucial skills that will be valuable when they graduate from college and start to look for jobs.
Volunteering Opportunities
Fraternities and sororities are often focused on philanthropy.
Students can participate in different volunteer projects with their fellow Greek life members and contribute to making the world a better place.
Not to mention, this will look good on a resume because it shows that a student is passionate about certain causes and wants to do their part to improve the lives of others.
Recommended: College Freshman Checklist for the Upcoming School Year
Potential Downsides of Greek Life
Like a toga, Greek life isn’t a good look for everyone. Here are some possible cons.
Cost
You typically need to pay membership dues each year you are a member of a fraternity or sorority. The cost varies depending on the school and fraternity/sorority you join but, on average, you can expect to pay around $2,000 to $3,0000 for the first year.
Local and national chapter fees are not always covered in the regular monthly dues.
And if fraternities or sororities get into trouble, members could be fined as well.
Recommended: What Is the Cost of Attendance in College?
Reputation
Fraternities and sororities have gotten a bad rap from movies and TV.
Worse, students have died in hazing accidents throughout the years, leading colleges to take administrative action against fraternities especially.
Some fraternities and sororities do emphasize parties and drinking, which is all fun and games until someone begins to flunk out, becomes addicted, is involved in an assault, or is injured.
It’s best, of course, to socialize responsibly and always make academic studies the priority.
Time Commitment
Because Greek life involves so many events, and members are expected to participate, joining a sorority or fraternity means a huge time commitment.
Spending too much time on Greek life activities and not enough on studying or working at internships could have a negative impact on a student’s future.
Recommended: College Planning Guide for High School Students
Determining Whether or Not to Join Greek Life
Joining a fraternity or a sorority can be a great decision, especially for freshmen who may not know anyone on campus. If they are a part of Greek life, then they will stay busy, make friends, network, and contribute.
On the flipside, if they are in a campus family that is constantly throwing parties and not interested in enriching members’ lives in a meaningful way, then joining might not be a good idea.
If you’re concerned about being able to afford the cost of joining a fraternity or sorority, keep in mind that there are a number of ways to cover the cost of college tuition and living expenses, including grants, scholarships, subsidized and unsubsidized federal student loans, and private student loans. 💡 Quick Tip: It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.
The Takeaway
A sorority or fraternity can provide camaraderie and enduring connections, and enhance a call for service and leadership. It can also be time consuming, expensive, and distracting. Greek life isn’t for everyone, but some will find it a life-changing college choice.
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.
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Inside: Are you moving into your first apartment? Planning a move can be daunting, but with this checklist, everything will be ready for your bed and bathroom you arrive. From a mattress, pots and towels to cleaning supplies and furniture, this list has it all. This is a huge deal!
Moving into your first apartment is an exciting time!
You’re finally out on your own, and you get to decorate and furnish your space however you want.
But before you can start shopping for all the cute home décor, there’s one very important task that needs to be taken care of first: creating a First Apartment Checklist.
This comprehensive checklist will ensure that you don’t forget any essential items when furnishing your new place. From kitchen supplies to bathroom necessities, we’ve got you covered.
So what are you waiting for? Let’s get started!
My First Apartment Mistakes
Moving into your first apartment indeed marks an exciting milestone in life.
However, it is also a moment of awakening when realizing that filling the apartment with all the necessities is not child’s play. My lesson learned the hard way.
It requires great planning and acute mindfulness of one’s budget. While the thrill of setting up your own place can easily lead to overspending, it’s important to keep the budget in check and be judicious about your purchases.
Here are some aspects to consider:
It’s easy to forget that there’s a huge list of big and small things you’ll still need to buy to fully equip your space. However, the keyword here is “need” and not “want”. I should have been better at differentiating between what is absolutely necessary for your immediate living situations and what can be procured later.
Define what you can spend right away by considering the moving costs and other related expenses. After setting the budget, the next most important step is to stick with it. You will be tempted to stretch your limit, but remember that financial restraint is key.
Moreover, remember that you don’t need to get everything right away, certain things can wait. Spend wisely, and stick to immediate needs. You might be surprised to find out that some items you thought were essential, in fact, can be comfortably lived without.
Your home is meant to give comfort, not financial stress.
The above statement is a lesson that stick with you for a long while. Keeping track of your expenses and making wise decisions can help establish your first apartment without breaking the bank.
Learn is $5000 enough to move out?
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Big Items for Your First Apartment Checklist
You’re finally out of your parents’ house and ready to start your own life. Congrats!
This is an important step when you want to move out at 18.
Moving into a new place is both exciting and daunting. To help you make sure you have everything you need for your new digs, we’ve put together a first apartment checklist of all the big items you’ll need to buy.
This is where to focus your money or look to find free items.
1. Mattress
Living in your first apartment?
Do not underestimate the importance of a good mattress.
It’s the foundation for quality sleep, which is crucial for your health and daily performance. Investing in one is non-negotiable even if budget is a constraint.
Personally, this. is the one item I would say to buy new! Thankfully you can find affordable mattresses now.
2. Bed Frame & Headboard
You may be tempted to skip the bed frame in your first apartment, but it’s a key piece that offers myriad benefits.
In full honesty, I didn’t get a headboard for my mattress until well after I was married. But, it was one small thing that made me happy.
Popular bed frame options vary in price from $60 for a simple metal frame to over $200 for wooden or upholstered models. Make sure to evaluate your needs and budget before buying.
3. Couch
Your first apartment is exciting, and the right couch can really set the tone. It’s not only a seating arrangement but also a place for relaxing, entertaining, and unleashing your personality.
When setting up your first apartment, you might be conflicted about whether to buy a new couch or look for a used one. Here are some factors to consider:
For those living by themselves:
A new couch can be a significant investment, but it is worth the cost if you value personal comfort, hygiene, and aesthetics.
Utilize discount stores to find quality furniture that is within your budget. A new couch often comes with warranties or protection plans that can give you peace of mind for any potential repairs or damages.
Investigate measurements and delivery options thoroughly to ensure your new couch comfortably fits your apartment layout.
If you are planning to live with a roommate:
You can consider getting a used couch. This is a great way to cut costs during a time when budgeting and saving money are important.
To make sure the couch you’re acquiring is clean and pest-free, buy or get it for free from trusted sources. Friends or family are often the best people to approach when looking for used furniture.
Look into garage sales or online platforms like Craigslist for options. However, always inspect the couch thoroughly before purchasing it from these sources.
Whether you choose new or used, ensure that the couch fulfills your needs.
4. End Tables and Lamps
End tables and lamps are essentials you need in your first apartment. They offer functionality along with a touch of class to your space.
There are many reasons why they should be on every first apartment checklist.
Versatility: Side tables can be used in various ways, from serving as a coffee holder, providing a place for books and magazines, or showcasing photo frames and indoor plants. It can also function as an extension of your workspace when you need to create an impromptu office setup.
Convenience: Having a side table next to your bed or sofa allows you to have important items within easy reach. This may include your phone charger, eyeglasses, or remote controls.
Decorative Value: Side tables contribute to the aesthetic appeal of your living space. They come in different styles, shapes, and designs that can complement various types of interior décor themes.
More than likely with lamps, you will notice where you need them the most after you move. So, it is okay to wait and buy them.
5. Dining Room Table
Your first apartment isn’t complete without a dining room table. It’s the multi-tasking hero of your living space, essential for meals, socializing, and possibly working or studying.
Finding the right dining room table for your apartment can be a fun and rewarding experience. However, it may be daunting for some, given the myriad of options available in the market.
Here’s a step-by-step guide to help you find your ideal fit:
Determine the Size Needed: The first step in finding the right dining room table is to measure the space it will occupy. Knowing the size helps narrow down the options and ensures a comfortable fit. Consider the number of people you plan on hosting on a regular basis – that should dictate the size of the table you need.
Consider the Shape: Dining tables come in various shapes, including square, rectangle, round, and oval. Identifying the shape that suits your space and lifestyle is crucial. Rectangular tables are the most common, but circular ones are great for maintaining an intimate dining experience, while an oval one can be a middle ground between a square and a round table.
Decide on Style: Whether you lean more towards a modern, contemporary, or rustic look, there are countless styles of dining tables to choose from. Ensure that the style of the table resonates with the rest of your home decor for a harmonious look.
Remember, choosing the right dining table is a balance of both form and function. Considering these aspects will surely help you find the dining room table that fits your lifestyle and space.
A good friend of mine had great luck finding a dining room table at a Restore resale shop. Something to definitely check out!
6. Kitchenware
Moving into your first apartment often comes with the challenge of equipping your kitchen efficiently.
To help guide you in making thoughtful purchases without breaking the bank, here are some important kitchen items you should consider investing in.
Basic Cooking Equipment: A Starter kitchen at the bare minimum requires at least two pots and a frying pan. These should be supplemented with necessary cooking utensils like a ladle, spatula, whisk, etc. You also need a high-quality knife set, at least one cutting board, and measuring cups and spoons to help you prepare and portion your meals accurately.
Food Storage & Serving Items: Get microwave-safe food storage containers to store leftovers efficiently. Additionally, invest in a good set of plates, bowls, glasses, and coffee mugs.
Countertop Appliances: While these can be a bit costly, consider getting a microwave, an InstantPot, and a coffee maker. These can vastly simplify and speed up your daily meal prep.
These are the basic items for a minimalistic kitchen.
7. Patio Furniture
Patio furniture can be an excellent cost-effective addition to your first apartment. Often overlooked, patio furniture can provide advantages for a first-time tenant:
Getting patio furniture as hand-me-downs or buying used ones can save you lots of expenses.
Plus patio furniture can be easily refurbished or painted to match your apartment’s interior design. You can showcase your creativity and add a personal touch without spending much.
8. Grill
One must-have in your first apartment is undoubtedly a grill. Nothing beats the flavor of a good grill and it’s perfect for friendly gatherings or quiet evenings.
Having a grill can add a sense of fun and adventure to your living situation. It allows for new culinary experiences and outdoor entertaining, especially during warmer months when you can have a delightful barbecue party in your yard or balcony.
Grilling can also act as a social catalyst. Whether it’s a relaxed summer evening cookout with neighbors or a gathering of friends for a sporting event, grilling can bring people together in a fun and casual way.
Thanks to websites like Craigslist, eBay, and Facebook Marketplace, second-hand grills in good condition are often available locally and at a much lower cost than brand-new grills.
9. Storage Items
Stepping into your first apartment, huh? The organization will be your closest ally.
Crisp and neat storage items can help you stay clutter-free and make your space feel like home.
This is something I would wait to buy until you are in your space and know what you need. There are so many storage ideas and organization items.
10. Decor
Making your first apartment feel like home is both exciting and challenging. Decor plays a crucial role, transforming an empty space into a cozy, personal refuge.
You want the decor to reflect your style, but the cost may be more than you can afford.
Enter thrift shopping for some of your favorite items.
You can always splurge on that one item you want!
How do I prepare for my first apartment?
Getting your first apartment can be incredibly thrilling, but let us guide you through a smooth transition.
Before making any purchases, it’s critical to create a budget that takes into account moving costs and other associated expenses.
Additionally, make a checklist of essential items to ensure a smooth move, but remember to prioritize immediate needs as some items may not be necessary initially.
Being prepared and methodical about your approach can help significantly in making your first apartment feel like home. It’s all about spending wisely and sticking to your plan.
First Apartment Checklist for Bedroom
Ready to move into your first apartment and need help setting up your bedroom?
This checklist will ensure you won’t miss any essentials.
Bed: Choose a full or queen-size bed to maximize space.
Mattress: Select the right firmness for your sleep style. Don’t forget a mattress pad and bedding.
Nightstand: You need this to place essentials like a reading lamp and a glass of water.
Dresser: An essential piece of furniture for your clothing storage.
Lamp: A softer lighting option for your bedroom. Don’t forget light bulbs!
Closet Organizers: Invest in baskets or cloth storage cubes for easy organization.
Desk and Chair: A small workspace if your room allows. Opt for a stool or folding chair to save money.
Remember every space is unique, tailor this list to your needs and budget.
First Apartment Checklist for Kitchen
As you embark on your solo living adventure, setting up your kitchen shouldn’t be a brain tease.
Here’s a lifesaver list of must-haves:
Remember, your kitchen is not just for cooking, but for hosting toasts and storing eats. Cheers to your new apartment kitchen!
First Apartment Checklist for Living Room
When setting up your first apartment living room, remember to shop for these essential items:
A Cool Lamp or Two: Lighting is crucial. Pick unique lamps that add both light and character to your space.
Side Tables: Grab a couple; these provide additional surfaces for decorations or mugs of tea.
Storage Solutions: Think TV cabinets or bookshelves where you can neatly store your belongings.
Extra Seating: More seats for more guests.
Window Treatments: Curtains or blinds not only offer privacy but can also tie a room together.
Decorative Pillows and Throw Blankets: For aesthetics and comfort.
Decor Items: This includes wall art, picture frames, coffee table books, houseplants, candles and vases. Make your space you.
Be smart in your selections, ensuring each item marries functionality with aesthetics. Holistic harmony is key in a living space.
Technology for Your First Apartment
In today’s digital era, modern apartments are nearly incomplete without a range of essential tech items.
These add convenience, entertainment, and a sense of security to your cozy abode.
Smart TV: This is essential for entertainment and relaxation. It can be a source of news, sports, movies, and shows that make your apartment a much more enjoyable living space.
Roku Stick: If you opt for a basic TV, then these devices enable you to stream content like Netflix, YouTube, and Hulu directly to your TV. This is much needed if you prefer digital streaming over traditional network channels.
Computer / Laptop: This is useful for work, learning, entertainment, and communications in the current digital era. It helps you stay connected to the world and perform various tasks easily.
Wifi Router: A Wi-Fi router is a must-have in this age as it provides an internet connection for all your devices. It enables you to stay connected to the world, shop from home, stream entertainment, or work remotely.
Chargers: Chargers for phones, laptops, and other electronics are essential. They keep your devices powered up and ready for use at any moment.
Speakers: They enhance your entertainment experience by providing high-quality sound for music, TV shows, and movies. They can also be useful for work or study, for instance when participating in video conferences or online courses.
Thankfully prices have dropped significantly on TVs since I bought my first one!
First Apartment Checklist for Bathroom
One key area to consider is your bathroom – it’s essential to have all the basis to make your daily routines smooth and simple. Here’s what you’ll need:
Cleaning Your First Apartment
Ready to take that first crucial clean sweep in your very first apartment? Here’s how you’ll nail it!
Start with unpacking your cleaning essentials, preferably even before you start arranging your furniture. This will make it easier to spot dust, stains, and dirty spots that are usually hidden.
Now, let’s dig into your basic apartment clean-up kit:
Honestly, these frugal green items are perfect to keep things clean and on budget.
Things you need for an apartment that you wouldn’t think of
Moving into your first apartment is an exciting milestone, but it’s also full of small details that are easy to overlook.
Some essential items might not make it on your moving checklist, leaving you scrambling on your first day in your new place.
Basic Handyman Tools: A Leatherman or small toolkit is essential for assembling furniture and making minor repairs.
Hangers: You’ll need more of these than you think for your wardrobe.
Extension cords and surge strips: You’ll need these to plug in all your electronics in spaces with limited outlets.
Drawer organizers: Helps keep your belongings categorized and easy to find. Especially important in small spaces where efficient storage is key.
Flashlight: You never know when a power outage may happen. A flashlight is a crucial tool for safety and navigation in the dark.
Batteries: Handy for various gadgets like remote controls, flashlights, and smoke detectors.
First aid kit: Accidents can happen anywhere, and having a first aid kit handy can make dealing with minor injuries easier and more efficient.
Light bulbs: Essential for maintaining good lighting in your apartment. You don’t want to be left in the dark when a bulb burns out.
Matches and/or lighters: Useful not only for candles and gas stoves but also a necessity in case of a power outage.
Pen and paper: Although we live in a digital age, pen, and paper are still handy for jotting down quick notes, lists, or reminders.
Fire Extinguisher: Better to be safe than sorry!
Carbon Monoxide Detector: Extremely important to have in your apartment
Duct Tape: It solves every DIY project – while almost any.
Security Cameras: It bums me out completely to add this to the list, but in today’s society it is a must-have.
Renter’s insurance is instrumental for various reasons
It provides financial protection in case of unforeseen circumstances like theft, damage due to disasters like fires, or liability if someone gets hurt in your apartment.
Additionally, considering the value of electronics, furniture, clothing, and other personal belongings, investing in renter’s insurance helps safeguard one’s possessions, making it invaluable, especially for first-time renters.
How do I budget for my first apartment?
Managing your expenses while moving into your first apartment is crucial since it’s usually an expensive endeavor with many large and small essentials needed to fully complete your home.
Having a budget not only helps you to control your finances effectively but also assists in prioritizing immediate needs, avoiding unnecessary items, and managing moving costs and related expenses.
Step 1: Make a Budget
Budgeting is, unquestionably, a crucial strategy to manage your personal finances efficiently, particularly while setting up a new apartment.
Begin by detailing your annual net income.
Subsequently, list down all your essential expenditures, such as food, household supplies, phone bills, car payments, credit card bills, clothing, transportation costs, internet charges, healthcare expenses, school loans, and entertainment.
Don’t forget to add a section for “miscellaneous” to cover any unanticipated expenses.
Make sure your expenses are less than your income.
While rent will be your biggest expense, you want to make sure you can truly afford the amount without going broke.
If you observe that your expenses are relatively high, it’s time to analyze your spending patterns and cut down on unnecessary spending.
Step 2: Save Money
Saving money and living frugally requires strategic thinking and discipline.
Honestly, the simplest thing you can do is to set aside 20% of your income each paycheck. That will ensure you are on your way to becoming financially independent.
Simply remember, frugal living doesn’t equate to deprivation, it’s about making informed choices to optimize your resources.
The 100 envelope challenge is extremely popular!
Step 3: Start a Side Hustle
Side hustles can be a flexible and rewarding way to supplement your income, and they’ve become much more popular in recent years.
Manage your time wisely and ensure the side hustle is something you enjoy or are passionate about. It should be a source of additional income without causing stress or burnout.
Here are ways to make money online for beginners.
First Apartment Tips
Embarking on the journey of renting your first apartment can be both exciting and daunting, hence having some essential tips can be quite handy.
1. Make a list of apartment essentials
A list of apartment essentials plays a crucial role, particularly for first-time movers.
The benefits and significance cannot be overstated. Here’s why:
Prevents Overspending: Moving into a new apartment is already expensive. There are lease deposits, rent due, utility set-ups, and other hidden expenditures that can easily catch first-time movers off guard. Having a list of apartment essentials can keep your spending in check, ensuring that you only purchase what’s necessary and avoid unnecessary or impulsive purchases.
Minimizes Stress: The task of moving can be overwhelming, and missing essential items only adds to the stress. A well-thought-out list can not only help you keep track of what you’ve already acquired but also what you need to purchase or source.
Ensures You’re Prepared and Organized: By carefully creating an apartment checklist, you’re ensuring that you have everything you need in your new home, from cleaning supplies and toilet paper to the necessary items for your furry friends.
Saves Time: A concise and focused list saves you time by clearly stating what needs to be acquired, allowing you to focus on other important matters related to the move.
Follow this approach, and you’ll have a comfy, well-equipped apartment in no time.
2. Consider your budget
Experts advise rent shouldn’t exceed 25-30% of your income. But, don’t forget to include your other costs like food, bills, loans, etc
Remember, your dream apartment isn’t worth it if it’s a financial nightmare. Think smart, save hard, and enjoy your new home’s comforts without breaking the bank.
Learn the ideal household percentages.
3. Research apartments
Researching apartments requires careful consideration of numerous factors such as the proximity to vital facilities like workplaces, grocery stores, hospitals, and entertainment joints.
Try to physically tour potential residences where possible to examine amenities and gauge the atmosphere of the neighborhood.
Don’t forget to make inquiries and view the apartment personally or through a floor plan, all these will help you make a wise decision.
4. Check apartment listings for features and amenities
When searching for the perfect apartment, consider features and amenities that align with your lifestyle.
If there is a sym space, you could eliminate your monthly gym membership.
Just make sure the cost of the upgraded amenities is worth the price tag.
While checking apartment listings, ensure to evaluate the location, amenities, available space, and physical integrity.
5. Think about the size and layout of the apartment
Understanding the size and layout of your new apartment is crucial before you start styling and furnishing it.
Acquire a floor plan from the apartment management, and if possible, tour the apartment physically to note the positioning of rooms, doorways, hallways, and stairwells. Take measurements of these areas and visualize the kind of furniture and fixtures they can accommodate fittingly, taking into account maneuverability around corners as well.
Moving to your first apartment is exciting, yet demands careful consideration of the size and layout.
6. Look for apartments with good security
When you’re hunting for your next apartment, don’t forget to check out its security features. This is crucial for your peace of mind.
Ensure the apartment is in a safe neighborhood, close to amenities like hospitals or public transport.
Ask if the apartment complex has features like controlled access gates, security guards, and CCTV surveillance.
Check the apartment for proper alarm systems, well-functioning locks on doors and windows, and that fire safety measures are in place.
Verify the cell phone reception inside the apartment for any emergency calls.
Lastly, always ensure that the parking area is secure and well-lit.
Remember, your apartment isn’t just a place, it’s your sanctuary. It should feel like one, too.
7. Make sure you get a good deal
Before signing a lease, it’s crucial to ensure the rent price is a good deal.
According to the U.S. Census Bureau, the median gross rent from 2015-2019 was approximately $1,097 per month.
8. Talk to the management and make sure you understand the rules
Get to grips with your apartment’s rules by thoroughly reading your lease. Take note of any restrictions, and don’t fear to ask for clarifications. Data indicates that understanding lease terms significantly reduces tenant-landlord conflicts.
It is important you understand your lease as it is a binding contract.
First Apartment Checklist PDF
Moving into your first apartment is exciting but daunting. The First Apartment Checklist PDF helps simplify the process.
Take it at your own pace—don’t rush. This is your journey to your new home. Enjoy!
FAQ
Moving into a new apartment can be quite exciting yet daunting. It’s crucial to carefully inspect the space to ensure it meets your needs and is in optimal condition.
Check the overall cleanliness. Despite initial cleaning, apartments often accumulate dust while vacant. Ensure you have cleaning supplies handy to tackle any overlooked dirt or grime.
Inspect the utilities. Ensure the availability of necessary technology setups and provisions for all your electronic gadgets. And make sure no wires are hanging from the ceiling.
Verify the safety features. Always have a working lock on the door as well as a well lit entrance.
Examine appliances. Make sure essential household appliances like washers, dryers, and a dishwasher are provided and in working condition.
The comfort and safety of your new apartment rely hugely on these checks.
When determining how much you should spend on rent, it’s generally suggested that your allotment should be no more than 25-30% of your after-tax income.
For instance, if your yearly income after taxes is $40,000 per year, your rent should be about $833-$1,000 per month.
Keep in mind, this amount should cover:
Your rent
Utilities (unless they’re included in your rent)
Rental insurance
It’s essential to create a realistic budget by considering your other necessary expenses like food, transport, healthcare, and entertainment. If needed, find ways to cut some of these costs to afford your dream apartment.
Now Get Moving with your Apartment Shopping List!
In conclusion, creating and managing a first apartment checklist requires a judicious mix of prudence and patience.
It’s an exciting journey of setting up your first independent space but it’s also a test of properly managing your resources without compromising on your basic needs.
It’s crucial to remember that you do not need to get everything at once, and it’s okay to take your time to gradually fill your apartment.
Remember, be mindful of your budget and prioritize based on your specific needs and preferences.
And don’t forget, you’re not just setting up an apartment, you’re creating your own unique sanctuary.
With patience and careful planning, you’ll soon have an apartment that’s not only functionally equipped but also a reflection of your personal style. The experience, in the end, will prove to be as rewarding as it is educational.
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