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Apache is functioning normally

September 23, 2023 by Brett Tams

Are you thinking about selling your engagement ring? People sell their engagement rings for all sorts of reasons, such as no longer being in a relationship or inheriting a ring. Whatever your reason may be, you can most likely sell your engagement ring and make extra money. You can use this extra money towards paying…

Are you thinking about selling your engagement ring?

People sell their engagement rings for all sorts of reasons, such as no longer being in a relationship or inheriting a ring.

Whatever your reason may be, you can most likely sell your engagement ring and make extra money.

You can use this extra money towards paying off debt (like credit card debt or student loans), starting an emergency fund for unexpected expenses (like medical bills, vet visits, or house repairs), putting the money into your retirement savings, or even saving for financial goals (like a home deposit, buying a car, or going back to school).

Today, you’ll learn how to:

Get your engagement ring appraised
Negotiate for the highest price
Find the best place to sell your engagement ring

And, of course, the step-by-step process of how to sell an engagement ring!

How To Sell An Engagement Ring

How much is an engagement ring worth?

Before you sell your engagement ring, you should try and figure out how much it is worth.

One of the things to think about when valuing a diamond engagement ring is the “4 Cs of a Diamond.” If you want to know where to sell diamond rings, first you must figure this out.

The 4 Cs stand for:

Carat – This is the size of the diamond. Larger diamonds are usually worth more money.
Cut – This is not the diamond shape. Instead, this is the quality of the diamond’s cut which will impact how beautiful and brilliant the diamond is.
Color – A diamond’s value increases with less color, as a completely colorless diamond is worth more.
Clarity – Clarity is all about the imperfections and blemishes that a diamond may have. The fewer there are, the more valuable the diamond.

Other things that may increase or decrease the value of your used engagement ring include:

Condition – The overall condition of the ring is important. A ring that has been taken care of and shows minimal signs of use will typically hold onto more of its value in comparison to a ring that displays noticeable wear and tear.
Resale market – Rings with a popular style or from a well-known designer may see a higher price when resold.
Certification and documentation – Having a document such as a diamond grading certificate can help determine the quality of the ring.
Designer and brand name – Rings from certain designers or brands (such as Cartier or Tiffany & Co.) tend to have a higher resale value due to their reputation and craftsmanship.

Even though a pre-owned engagement ring may have a lower value compared to a new one, it can be a great value for buyers looking for a high-quality ring at a more budget-friendly price. And, that is why people buy them – they can save some money over a new ring.

Recommended reading: 8 Items To Sell Around Your Home For Extra Money

Gather documentation for your engagement ring

If you’ve decided to sell your engagement ring, it’s time to collect all of your paperwork related to the ring such as the diamond’s certification, receipts, and appraisals.

These documents will help figure out the ring’s value, establish its authenticity, and make the process of selling a little more smooth.

Here’s a list of the paperwork you might need:

Appraisal certificate – The appraisal certificate is a professional evaluation of the engagement ring. This document includes details about the diamond’s cut, color, clarity, carat weight, and quality.
Original receipt – Having the original receipt from the purchase of the engagement ring will help show that the ring is authentic.
Diamond certification – If the diamond was graded and certified by a recognized gemological laboratory, this can be helpful.
Gemstone certificates – If your engagement ring has other gemstones besides diamonds, include these certificates for the stones as well.

You don’t need any paperwork to sell an engagement ring, but, it can make things a little easier and may get you a little more money.

How to get an engagement ring appraised

Getting an engagement ring appraised by a certified gemologist or jewelry appraiser will give you an accurate estimate and valuation of how much your engagement or wedding ring is worth.

This can help you when negotiating (such as with a pawnshop) and simply knowing the amount that you should be looking for when selling your ring.

You can get your engagement ring appraised by:

Looking for appraisers – You can search online for certified gemologists or jewelry appraisers in your area. You can also ask local jewelry stores for their recommended appraisers. It’s important to find an appraiser with credentials from places such as the Gemological Institute of America (GIA), the American Gem Society (AGS), or the International Society of Appraisers (ISA).
Contacting the appraiser – Call the appraiser and ask for their fees and to schedule an appointment. You may need to bring documents such as receipts, certificates, or previous appraisals for the ring.
Getting the ring appraised – Take the engagement ring to the appraiser. They will examine the engagement ring’s characteristics including the diamond’s cut, color, clarity, and other important factors.
Receiving the appraisal report – Once the appraisal is done, the appraiser will provide you with the report. This report includes information about the ring’s characteristics as well as an estimated value based on the current market. Ask the appraiser any questions you might have or if you need a question answered.

Where to sell an engagement ring

Now is the time to look at your different options for selling the ring. You can sell engagement rings at jewelry stores, pawn shops, online marketplaces, auction houses, consignment shops, and more.

Some things that you will want to about when deciding where to sell your engagement ring include the amount that they are giving you (of course, you want the most money, right?), the fees that they may be charging to sell your ring, how much work it will take you to sell it (for example, do you have to create the listing or do they?), whether you feel safe meeting someone to exchange the ring for cash in-person, and more.

As you can see, there are going to be pros and cons for each of the places where you can sell your jewelry.

Below, I go further into each of the best places to sell an engagement ring:

1. Sell your engagement ring online in a marketplace

If you want to sell your engagement ring, one of the best ways to get the most money for it is to sell it online.

Selling your engagement ring online can be convenient and also help you reach a wider audience of possible buyers.

Some of the different places you can sell an engagement ring online include eBay, Facebook Marketplace, and Craigslist.

Here’s a step-by-step guide to help you sell your engagement ring online:

Make your ring presentable – You should clean your ring and take quality photos of it from different angles.
Choose the marketplace – There are many different sites to sell your engagement ring like eBay, Craigslist, Facebook Marketplace, specialized jewelry-selling websites, or online auction sites.
Create a detailed listing – In the listing, write a detailed description of the ring along with its condition and any unique features. Be honest about any imperfections. When listing your ring for sale, you should also describe the ring, such as the diamond’s cut, color, clarity, and carat weight.
Set a price – You should research similar engagement rings or get your ring appraised to find the most accurate price based on current market value.
Shipping – If you’re shipping the ring, make sure to package it securely to prevent any damage in transit and also pay for shipping insurance.

2. Sell your engagement ring on Worthy

Similar to the above, some websites are dedicated to selling jewelry and valuables, such as Worthy.

Worthy does not buy your engagement ring directly as that is not their business model, but they will clean it up and sell it for you.

Worthy makes it really easy to make money with your engagement ring and this is the best place to sell engagement rings online. You simply ship your jewelry to their office with a prepaid shipping label (a FedEx label) that they give you (it’s insured as well). Then, once they get the ring, they prep it for auction. They will clean the ring, take professional photos of it, and grade it.

After that, your ring will go up for auction, and professional jewelry buyers can bid on it. You can set a reserve price that you are comfortable with. Once the auction is done, you will receive the final sale amount after Worthy’s fee. Payment is then sent to you within 1-5 days.

The whole process typically takes around 2 weeks from shipping to getting paid.

So, what are Worthy’s fees? They do almost all of the work for you, so it makes sense that they would charge a fee. They take 18% for up to $5,000. After that, it is a 14% fee for $5,001 to $15,000, a 12% fee for $15,001 to $30,000, and a 10% fee for over $30,000.

So, for example, I found a 1-carat diamond ring on Worthy that eventually sold for $2,792. That means the seller received around $2,289 after the 18% fee that Worthy charges.

3. Work with a jeweler

Jewelers may offer to buy your engagement ring. You can simply call around local jewelry stores near you and ask if they buy used engagement rings.

Sometimes this can be the most straightforward and convenient option for selling your engagement ring as you can possibly sell your ring the same day.

To sell your engagement ring to a jeweler, you will want to look for jewelry stores near you and give them a phone call to see if they buy used engagement rings. I recommend looking for ones with positive reviews.

If you have any documentation for your ring then make sure to bring it with you so that you can show the jeweler.

If they are interested in your engagement ring, then they will give you an offer. If you’re happy with the offer, then you can ask any other questions and possibly sign paperwork to get your cash.

Jewelers may offer instant payment either via cash, check, or electronic transfer and you will want to confirm the payment method before completing the sale.

4. Sell your engagement ring to a consignment shop

You may decide you want to sell your used engagement ring to a consignment shop. Consignment shops have benefits such as offering exposure to multiple buyers. However, they likely charge a commission fee.

To sell your engagement ring through a consignment shop, you will want to Google search for consignment shops in your area and specifically look for shops that sell jewelry or high-end items (make sure the shop has good reviews and even testimonials of previous successful sales of engagement rings).

Once you have an idea of which consignment shops you’re interested in selling your ring at, you should ask them questions about their consignment process, what commission rate they charge, and the terms of the sale.

Then, you’ll give the shop the ring to display in their store.

The consignment shop handles the transaction if someone is ready to buy the ring. You’ll receive payment after the commission fees are taken out.

5. Sell your wedding ring to a pawnshop

When people think about where to sell an engagement ring, one of the first places they think about is probably a pawn shop.

And, it makes sense – pawn shops make it very easy and you can sell your engagement ring for cash here. You can most likely even get paid on the same day!

But, you should keep in mind that they usually give you the lowest amount of money.

If you want to sell your old wedding ring to a pawn shop you will first want to make sure the ring looks nice and clean because that can help you get a better price. Get any papers you have about the ring, like appraisals or certificates, to show how much it’s worth, and make sure you know this number before you go in because you will most likely have to negotiate.

Now, when selling at a pawn shop, you can typically negotiate. To do so, you will want to find out the ring’s value, current market trends, and comparable sales. You can even make a better case for your price by showing documents on the ring and appraisals from certified gemologists. If the pawn shop cannot meet that price, you may just want to move on and try to find another buyer.

When the pawn shop makes an offer, remember they need to make a profit too, so it might be lower than you expect. If you’re not happy with the offer, you can try selling it to someone else. If you agree to sell it, you’ll need to show some ID, sign some papers, and then you’ll get paid.

Frequently Asked Questions

Below are answers to common questions about how to sell an engagement ring.

Is it possible to sell an engagement ring?

Yes! Many places buy engagement rings and wedding rings so that you can make money.

How much can you get for selling your engagement ring?

The amount of money that you can get for selling your engagement ring will vary and usually, you can earn anywhere from around 20% to 60% of what was originally paid for it. Yes, this is a wide range (and can mean a difference of hundreds or even thousands of dollars) and this is because there are so many factors that come into the price, such as the condition of the ring, the market demand, and where you decide to sell it.

How much can I sell my 1 carat engagement ring for?

A 1-carat diamond engagement ring will vary due to the 4C’s (cut, clarity, color, and carat). Usually, you can earn around $1,000 to $5,000 for selling a used engagement ring that is 1 carat.

Is it better to sell or pawn an engagement ring?

This depends – do you want to get the ring back? If you decide to sell it, you can get cash right away. This is a good option if you need money quickly.

On the other hand, if you decide to pawn it, the ring can be used as collateral for a loan. This can be a temporary solution if you just need cash right now but you want to get the ring back later. However, it’s very, very important to carefully read and understand the terms and interest rates from the pawnshop so that you can eventually get your ring back.

Why is the resale value of diamonds so low?

So, you may be thinking “But, I paid $10,000 for this ring! Why am I only getting a few thousand dollars?”

You most likely won’t get the same price that the engagement ring was bought for. This is because places that buy your engagement ring still need to make a profit. Plus, they aren’t going to sell the engagement ring for the same price as a brand-new ring.

How can I be safe when selling a ring?

If you aren’t shipping the ring but are meeting in person instead, then you must be careful. You should avoid sharing personal information until you’re 100% sure they are the person they say they are.

I also highly recommend meeting in a public place, such as a police station parking lot. Bringing a family member or friend with you to the appointment or meeting is good so that you aren’t alone. Make sure to use secure payment methods like cash and do not share bank account information, your social security number, or any other sensitive information (buyers do not need this information!!). Also, ignore requests to send the ring before receiving payment and make sure the payment has cleared before proceeding.

Where to sell my wedding ring after a divorce? Is it OK to sell a wedding ring after divorce?

Many people sell their wedding rings after a divorce. If you decide to do so, you can sell your wedding ring on sites like Worthy, Facebook, eBay, and more. Before you sell your engagement ring, though, you should make sure that the ring is legally yours (check your divorce agreement).

How long does it take to sell an engagement ring?

The amount of time that it takes you to sell an engagement ring depends on where you are selling it. For example, selling a ring on Worthy will take around 2 weeks (it takes a little longer to sell on Worthy, but you may get the best price for your diamond jewelry this way because they have many diamond buyers). Whereas, selling it to a pawn shop may mean that you get paid the same day (however, it’s typically for a lot less money).

What is the best way to sell an engagement ring?

The best way to sell your engagement ring depends on what you’re looking for and there is no one best answer for everyone. Do you want to sell your ring for the most money? Or, do you want to sell your engagement ring as fast as you can? Some people may want to just sell the ring to a pawn shop and get it over with. Others may want to take their time and sell it online so that they can get the most money.

How To Sell An Engagement Ring For The Most Money

I hope you enjoyed this article on how to sell your engagement ring for the most money.

Deciding to sell an engagement ring is a big decision to make as you may have an emotional connection to it. Due to this, you should take your time deciding what to do and choose the option that feels best for your situation.

Some of the best places to sell diamond rings include online (such as through Worthy or eBay), or in-person at a consignment shop or to a local jeweler. Many of the places above can be used for selling other pieces of jewelry as well, such as fine jewelry, bracelets, necklaces, earrings, and more.

Each place has its pros and cons. Some will pay you a lot more than others, but some may be much easier and quicker.

I hope you can find the best place to sell your engagement ring and that you get the most money!

Have you tried selling an engagement ring? What do you think is the best place to sell an engagement ring?

Source: makingsenseofcents.com

Apache is functioning normally

September 22, 2023 by Brett Tams

At the start of every new year, people set goals. Many of the most common resolutions set during the new year are financial in nature. For instance, some people resolve to pay off their debt before the year ends. Others want to decrease their spending and save money.

If you’re one of those people who want to save money, decreasing your car insurance premium is one way to get closer to your financial goals. Here are seven hacks to help you save on car insurance this year.

1. Review Your Car Insurance Every Year

One of the simplest ways to reduce your insurance premiums is to shop around once a year. It may seem unnecessary, but comparing rates from a variety of insurance companies can be beneficial. Firstly, it gives you a sense of how much your car costs to insure on average. Secondly, doing your research lets you determine if you have the best car insurance for your budget.

Remember to compare quotes from at least three providers before making a decision. But what if your current insurer is the cheapest option?

2. Get Rid of Coverage You Don’t Need

Another way to decrease your car insurance costs is by dropping unnecessary coverage. In most states, drivers are legally required to have liability coverage and personal injury protection, or no-fault coverage. In states like New York and North Carolina, drivers must also have insurance that protects them against collisions with uninsured or underinsured motorists. Beyond that, rates vary by state and personal preference.

Types of Car Insurance to Consider

Liability Coverage: This coverage protects you against the costs of covering the medical bills of other drivers after an accident. Liability insurance may also reimburse you for damage to your car. If you don’t have a significant savings cushion or other assets to cover the cost of large claims, liability insurance will protect you financially in the event of an accident.
Collision Coverage: If you’re financing your vehicle, chances are the bank will require this coverage as well. Collision insurance will pay for damage to your car resulting from a collision with another vehicle. It does not cover car damage from potholes, broken windows, fire, or theft.
Comprehensive Coverage: This is like collision insurance, but it covers damage from non-collision incidents. The most common kinds of incidents are floods, vandalism, hitting an animal, or striking a non-moving object.
No-Fault Coverage: This type of insurance protects you against the medical bills of other drivers after an accident. Unlike liability insurance, your own insurer pays your claim; it then submits a claim to the other driver’s insurer. If you have this coverage, maintaining a high deductible can be beneficial because it reduces your premium.

As you review your vehicle insurance, make a list of your state-mandated coverage, bank-mandated coverage, and ones that make sense for your location. For instance, if you live in a town that is known for seasonal hurricanes, floods, or fires, dropping comprehensive insurance might not be the best idea. Consider working with an agent who is familiar with your area.

If your car is older, consider dropping collision and comprehensive insurance. Then, set aside an emergency fund that amounts to your car’s market value.

3. Ask Your Insurance Company about New Discounts

Your insurer may provide discounts for a variety of reasons. For instance, some insurers offer a “good student” discount for teens with good grades. Others may give discounts to drivers who are members of the military or attend certain types of college. If you are enrolled in an accredited driver’s safety course, contact your insurer about getting a discount for completing the class.

Save on Car Insurance by Paying Your Premium Annually

Payment methods can also affect your car insurance premiums. Most insurers offer a discount if you pay a year’s worth of premiums upfront. If you can’t afford an entire year’s worth of premiums at once, pay at least the minimum amount necessary to qualify for this discount.

4. Downsize Your Car

The most effective way to save money on car insurance is by driving a car that costs less to insure. The type of car you choose will depend on your budget and preference, but there are a few things to consider.

For instance, the cost of repairs and parts for some vehicles can be high. Secondly, there are insurance companies that offer discounts to drivers with hybrid cars or vehicles that use alternative fuel.

When you’re looking for a new vehicle, find a safe one with the lowest possible insurance rates. Talk with your insurer, and get online quotes from other car insurance providers to compare costs.

Related Read: What Credit Score Do I Need to Buy a Car?

5. Drive Safely to Save on Car Insurance

Driving safely is often underrated. If you’re a cautious driver, you might qualify for a reduced premium. When calculating your rate, insurance companies consider the following factors:

Age
Gender
The type of car
Your driving history

Improving your driving habits could save you money each month. Plus, it’s safer for everyone on the road. If your current vehicle doesn’t have an accident history, you might also want to consider increasing your deductible, which can save you money.

6. Increase Your Car Insurance Deductible

If you drive safely, you could lower your monthly premium by raising your deductible. Increasing your deductible from $200 to $500, for example, will decrease your monthly premium. And since you know how much your deductible is ahead of time, you can set aside the amount in an emergency fund.

7. Consider Usage-Based Programs

Another way to save on car insurance is by participating in usage-based programs. With this type of coverage, you put a device in your car that records your mileage and driving habits. This data is then sent to your insurer, who can use it to determine how much you should be paying for coverage. Among the common usage-based options are:

Pay-as-you-drive: This program charges you for the miles you drive. Your insurer will typically take mileage into account when calculating your premium.
Pay-how-you-drive: With this program, you pay for your insurance based on safe driving behavior. In some cases, your insurer might offer discounts if you’re an ideal driver.

Takeaway: Saving Money on Car Insurance

There are plenty of tactics to help decrease your monthly insurance costs if you take the time to assess your habits and your vehicle insurance needs. Once you know what must stay and what needs to go, contact your insurance company to make the necessary adjustments.

Source: credit.com

Apache is functioning normally

September 20, 2023 by Brett Tams

Collecting and trading Pokémon cards has been a popular hobby since the 1990s for both children and adults. In fact, as a kid, I was obsessed with Pokémon cards. I enjoyed opening new packs, collecting cards, and trading with my friends. And, I know I’m not alone. So many people have enjoyed Pokémon cards over…

Collecting and trading Pokémon cards has been a popular hobby since the 1990s for both children and adults.

In fact, as a kid, I was obsessed with Pokémon cards. I enjoyed opening new packs, collecting cards, and trading with my friends. And, I know I’m not alone. So many people have enjoyed Pokémon cards over the years as well.

As the value of certain cards continues to rise, finding the best places to sell your collection of Pokémon cards is more important than ever.

Whether you’re looking to make some extra cash, simply downsize your Pokémon card collection, or if you are decluttering everything you own and find a long lost box of childhood mementos, knowing where and how to sell your Pokémon cards can be important to make the most money.

In this article, I’ll discuss some of the best places to sell Pokémon cards online and locally and provide tips on how to price and present your cards in the best way.

Quick Summary

Identify and evaluate the value of your Pokémon cards before selling. Some cards are worth way more than others. For example, one card may be worth $0.10, and another may be worth over $100,000.
Look at your different selling options to see how you can get the most money.
Learn effective selling tips and strategies for presenting your cards to potential buyers.

How To Sell Pokemon Cards

Selling your Pokémon cards can be an exciting and profitable way to make money, especially if you have rare, holographic, or near-mint-condition cards in your collection.

To help you make the most profit, follow these tips to find the best places to sell your Pokémon cards. Before starting your Pokémon cards selling journey, it’s important to know your cards’ condition, rarity, and type.

Related: How I Made $40,000 In One Year Selling Items

Near-mint cards with no creases, scuffs, or whitening edges tend to have a higher value. Also, rare and holographic cards, like the famous Charizard, are highly wanted by fans, collectors, and trading card game enthusiasts, making them valuable in the Pokémon card market.

To figure out how rare your Pokémon card is, look for the symbols in the bottom right corner of your card and if you have a lot of cards, then you should become familiar with the Pokémon card rarity indicators, as well as the different sets and booster packs in which your cards were released.

For more accurate valuations, you may even look for professional grading services, such as Professional Sports Authenticator (PSA). They evaluate and grade cards based on their condition, ensuring buyers of their authenticity and quality.

If you’re selling Pokémon cards online, make sure to take clear, high-quality pictures that showcase your cards’ condition, as this will give potential buyers a better idea of what they’re purchasing.

By following these tips and tricks, you’ll be prepared to sell your Pokémon cards and get the most amount of money.

Best Places To Sell Pokemon Cards Online

There are many ways to sell Pokémon cards online. Here are some Pokémon selling sites to start with:

1. eBay

eBay is one of the most popular marketplaces for selling Pokémon cards due to its large reach of customers around the world.

I did a quick search on eBay and there are currently over 160,000 Pokémon cards for sale – so they definitely have a huge market!

You can choose to sell your cards through auctions or fixed price listings. When selling on eBay, be mindful of the seller fees and PayPal fees that will be deducted from your earnings. Shipping will also be another cost.

eBay is especially good for selling valuable cards, such as holographic cards or rare Charizard cards. To reach a wider audience and increase the chances of a successful sale, make sure you write detailed descriptions and add high-quality photos of your cards so that people are more likely to click on your listing.

2. Troll and Toad

Troll and Toad is an online store that specializes in collectible card games, such as selling Pokémon cards and they have been around for over 25 years.

They offer a buy list where you can sell your cards for cash or store credit. To sell on Troll and Toad, simply use their search bar to find the cards you want to sell, add them to your cart, checkout, and then ship your cards to them.

This is a great feature of Troll and Toad – the fact that you can see the exact cards they will accept and the exact amount that they will pay you for each Pokémon card. As you will learn below, many of the Pokémon card selling websites have this same feature, which is so helpful!

After you complete the list of cards that you plan on selling to them, you will print out an invoice that they give you, and then choose a payment method. Then, you will ship your box of Pokémon cards to them. Once they receive the package, they will verify the cards that you have sent to make sure they are in the correct condition as you stated. After that, they will pay you.

Troll and Toad also accepts Pokémon cards in bulk.

Keep in mind that they may be selective about the cards they accept, so it’s important to research and determine the value of your cards beforehand.

3. Mercari

Mercari is a site where you can quickly set up an account and start selling your used items, such as Pokémon cards. This site is not dedicated to just Pokémon cards, but they do have many listed and it is an easy option for Pokémon collectors.

There are well over 1,000 Pokémon cards listed on Mercari.

It’s important to create persuasive listings with photos and a relevant, detailed description, and include relevant keywords related to Pokémon cards. (Remember, they don’t just sell Pokémon cards, they also sell clothes and other items, so keywords are important!). Also, Mercari takes a minimum 10% fee from each sale you make on their platform.

4. TCGplayer

TCGplayer is a popular site with card game collectors in the U.S. and Europe.

People love selling on this site because they say it’s easy to use and they have great customer service.

To sell Pokémon cards on TCGplayer, simply list your cards on the TCGplayer marketplace, set your prices, and wait for potential buyers to purchase them. The marketplace handles the transactions, making the selling process easy.

Note: You will have to pay a commission fee of around 12–13% for each sale you make on TCGplayer, and you might also have shipping costs.

Here’s a quick guide on how to sell Pokémon cards on TCGplayer:

Create a seller account – You will need an account to get started selling Pokémon cards.
Set up your inventory – Once your seller account is created, you can start listing your Pokémon cards for sale. Enter details like the card’s name, set, condition, and quantity available.
Pricing your cards – Decide on the prices for your Pokémon cards. You can either manually set the prices or use TCGplayer’s automated pricing tool to match the market rates. TCGplayer has a pricing algorithm to help sellers be competitive and adjust prices based on the market demand.
Shipping options – Decide on the shipping options you will have for buyers.
Receiving payments – TCGplayer usually collects payments from buyers, processes the orders, and then deposits the money into your seller account. From there, you can withdraw your funds.
Maintain your inventory – Keep your inventory up to date. Remove sold items and add new ones to reflect the current availability of your Pokémon cards.

5. Card Cavern

Card Cavern is an online store that specializes in buying and selling Pokémon cards.

They have a straightforward buylist system where you can quickly find the cards they’re interested in and the prices they’re willing to pay.

Then, you ship your cards to them (they recommend purchasing tracking and insurance).

If you choose to sell your cards to Card Cavern, you’ll receive payment through PayPal or receive store credit, depending on your preference.

Their buy rates only apply to near-mint, English, tournament legal cards. You can send as many or as little Pokémon cards as you want to Card Cavern.

6. Dave & Adam’s

Dave & Adam’s is an online store for trading cards, including Pokémon cards, and it has been around for over 30 years.

They offer a buy list where you can see which cards they’re currently interested in purchasing. If your cards match their buy list, you can submit a sell request, ship your cards to them, and receive payment via check, PayPal, or store credit.

If you have a big collection, they will even travel to you.

7. Pokémon Facebook Groups

Pokémon Facebook Groups are communities of Pokémon card collectors and enthusiasts who use the platform to buy, sell, and trade cards. Pokémon Facebook Groups are exactly what you think – Facebook groups for Pokémon card collectors.

This can be a great place to sell your Pokémon cards because these groups are filled with people who are very interested in buying Pokémon cards.

These groups allow you to talk directly with fellow collectors and cater to various interests, such as specific regions, sets, or rarity levels.

To sell your Pokémon cards in these groups, make sure you follow group rules, post clear photos, and respond quickly to potential buyers’ inquiries.

8. CCG Castle

CCG Castle is a website that specializes in games since 2007.

They buy Pokémon cards that you no longer need and have a buy list on their site that will tell you exactly what they are accepting and how much they will pay you for it. They pay in either PayPal cash or store credit.

Best Places To Sell Pokemon Cards Near Me

If you’re looking to sell your collection or particular Pokémon cards, there are several options near you to consider. This section will cover the best local places where you can sell your cards, such as Facebook Marketplace, comic book stores, pawn shops, and Craigslist.

9. Facebook Marketplace

A popular and easy way to sell your Pokémon cards is through Facebook Marketplace. Nearly everyone has a Facebook account, so it can be easy for you to get started, and it allows you to connect with local buyers who might be interested in your cards.

Posting on Facebook Marketplace is simple, and you can include photos, descriptions, and set your price. Also, you can communicate with potential buyers through Facebook Messenger, making it easy to negotiate and set up a meeting location.

There are no listing fees when selling on Facebook Marketplace, which means that you get to keep everything you earn. But, you do have to handle everything yourself.

10. Local comic book stores

Comic book stores, particularly those that specialize in trading cards, card games, and board games, can be a great place to sell your collection.

Many local comic shops are interested in buying Pokémon cards to stock their inventory for other gamers and collectors.

You can visit stores in your local area, ask if they purchase Pokémon cards, and provide the store owner with a list or photos of your cards. They may make an offer on the spot or ask you to come back later. Remember, each comic store is different, so it’s a good idea to try a few stores near you to compare offers and don’t stop at just one.

11. Pawn shops

Another option to consider is pawn shops.

Pawn stores are known for buying various items, including sports cards and collectibles like Pokémon cards. Take your cards to a few pawn shops near you and see if they’re interested in buying your collection.

Keep in mind that pawn shops usually offer lower prices than other options (this is because selling Pokémon cards is not their sole business), but they can be a quick and convenient way to sell more popular cards.

12. Craigslist

Craigslist is a site for buying and selling various items locally – I’m sure you’ve heard of it. You can create a detailed listing for your Pokémon cards, including pictures, descriptions, and asking prices.

Interested buyers in your area can contact you, allowing you to arrange a meetup in a safe and convenient location.

Craigslist is usually a little more difficult to sell Pokémon cards on and that is because this site does not specialize solely in Pokémon cards and is very localized.

Where to Sell Pokemon Cards in Bulk

Selling your Pokémon cards in bulk may be something that you are interested in if you simply don’t have the time to look each one up.

When selling your Pokémon cards in bulk, it’s important to find the right platform. In this section, we’ll focus on three popular options: Full Grip Games, Safari Zone, and Sell2BBNovelties. With their unique offerings and easy-to-sell process, these companies can help you get the most value for your collection if you simply don’t have the time or have too many cards to sort through.

13. Full Grip Games

Full Grip Games is a local game shop in Ohio that buys bulk Pokémon cards online and in person.

At Full Grip Games, they make it easy for you to sell your bulk cards in increments of 100 or 1,000. Also, they accept rares and other card types as well. To make things simpler for you, their website has a bulk buy list that breaks down all the packs and cards they accept along with individual prices.

To get started, follow these easy steps:

Click on the “Buylist Instructions” link on their website.
Choose their full singles buylist or their bulk buylist.
Select the cards in your collection according to the buylist.
Review the pricing and total value of the cards submitted.
Once done, send the cards following their shipping instructions.

Once they receive your bulk cards, it will take them around one week to go through them. For the cards they accept, you can get paid via PayPal, store credit (you will get a 30% bonus if you choose the store credit option), or check via USPS mail.

14. Safari Zone

Safari Zone is another great option to consider for selling your Pokémon cards in bulk. They accept a wide range of cards, but they do need to be in near-mint condition.

Here’s what you should do to sell your cards on Safari Zone:

Create an account on the Safari Zone website.
Review the cards they purchase on their buy list.
Enter the card details.
After submitting the card information, you’ll receive a quote for your collection.
Ship your cards to Safari Zone, and they will process your payment after validating the cards.

Safari Zone only pays via store credit.

15. Sell2BBNovelties

Sell2BBNovelties is a website that has been around since 1999 that specializes in toys and collectibles, such as Pokémon cards.

They have an easy platform to sell your Pokémon cards in bulk and accept various card types, including rares, holographic, and common/uncommon cards.

To sell your Pokémon cards on Sell2BBNovelties, simply:

Go to their website and click on the “Buying Prices” tab.
Select the cards you’re selling according to their buying list.
When you’re ready, submit the form. You’ll receive a confirmation email with the total value of the cards and further instructions.
Ship your cards to Sell2BBNovelties, and they will process your payment upon receiving and verifying your cards.

You can receive payment for the cards they accept in either PayPal cash or store credit.

How to Make a Website to Sell Pokemon Cards

If you have the time and a lot of cards, you may even be interested in starting a website to sell your Pokémon cards.

Creating a website to sell your Pokémon cards is a great idea to reach a wider audience and have lower fees. Of course, there will be more work in this because you will be managing everything yourself.

Choose a platform and create your design – Look for an easy-to-use platform to build your website – my favorite is WordPress. You will want to pick a clean looking design that customers can look at on both computer and phone. Most platforms have a variety of premade themes that you can use. You can also personalize your website by adding your logo, choosing colors that represent your brand, and adding images.
Organize your products – Categorize your Pokémon cards by sets, rarity, or other criteria that make sense for your target audience. Clear product descriptions and high-quality images of each card will help potential buyers too.
Set up payment and shipping – Choose a payment gateway to securely process transactions. Options like PayPal, Stripe, or Square are widely used and reliable. Choose shipping options and rates based on your preferred carriers and shipping destinations.
Create valuable content – In addition to listing your Pokémon cards, consider creating helpful content such as blog posts or videos that add value to your website and attract more readers and buyers. Providing informative content will establish you as an expert in the field and help drive traffic to your site.
Promote your website – Use social media, search engine optimization (SEO), or even paid advertising to increase page views to your website.

Related: How To Start A Website Free Course

Pokemon Card Selling Tips and Strategies

Selling your Pokémon cards can be an exciting way to make extra money, but it’s important to have a little strategy so that you can make the most money and find the most buyers.

Here are some tips for selling your Pokémon cards successfully.

Determine the value of your cards. You should research how rare the card is, the origin, and the condition of your cards, as these factors will affect their worth. Keep an eye out for rare and valuable cards (such as first edition cards and illustrations), as these will attract more interest from collectors. Grading your cards can help with this process – professional grading services can rate the condition of your cards and encapsulate them in a case, increasing their value.
Consider where to sell your cards. There are numerous platforms for selling Pokémon cards online, such as eBay, where you can list your cards as single items or in an auction format. There are also more specialized Pokémon selling websites which are dedicated to trading cards. These sites often have dedicated communities of potential buyers who are very interested in Pokémon cards.
Write clear and accurate descriptions of your cards. You should always be clear and honest about your card’s condition. For example, are there any scratches or bends? Is there a tear or water damage?
Ship your cards carefully. Carefully package your Pokémon cards to protect your cards from damage during transit. You will want to keep your cards waterproof and not use rubber bands (rubber bands can damage the cards). Also, consider offering a tracking number and insurance to your buyer as an additional layer of security. Many of the Pokémon selling sites above have a very exact way they want you to ship the cards to them to prevent any damage, so be sure to see what their rules are.

By following these Pokémon card selling tips and tricks, you can increase the chances of finding the best places to sell your Pokémon cards.

Frequently Asked Questions

Here are answers to common questions about selling Pokémon cards.

How do I know if my Pokemon cards are worth money?

So, how do you know if the Pokémon cards that you have are worth anything? Many people have Pokémon cards, probably stuffed in a box somewhere, or maybe you came across some.

Whatever your reason is, yes, your Pokémon cards may be worth something.

Knowing the value of your Pokémon cards is important before selling, and there are a few key things to think about.

First, look at the rarity symbols on your cards: a circle indicates a common card, a square represents an uncommon card, and a star denotes a rare card. These symbols help you determine the rarity of your cards and their potential worth.

The condition of your cards also plays a big role in their value. Cards in mint condition, meaning they have no visible wear or damage, are worth more than cards with minor imperfections. Holographic cards, especially in mint condition, can be more valuable.

To take it a step further, you could even get your Pokémon cards professionally valued and graded by a reputable company like PSA. Grading involves a professional inspection of your card’s condition, assigning a numerical grade based on factors such as centering, corners, edges, and surface. The higher the graded number, the better the condition and, often, the higher the value.

Keep in mind that while Pokémon cards typically have higher values, other trading card games like Yu-Gi-Oh can also be valuable. Make sure to research the prices of similar cards sold recently, and compare the condition of your cards to decide if they’re worth selling.

How do I sell Pokemon cards for cash?

To sell your Pokémon cards for cash, first organize your cards by set and look for rare ones to see what you have. Once you’ve prepared your collection, follow the selling instructions on your chosen platform.

You can sell your Pokémon cards online, locally near you, and even in bulk.

Where can I find buyers for my Pokemon cards?

You can find buyers for your Pokémon cards on online marketplaces, local card shops, and social media groups. Websites like eBay and TCGplayer are popular places for selling Pokémon cards, as well as community forums and local collector’s events.

What are some reputable websites to sell Pokemon cards?

There are many reputable sites to sell Pokémon cards as we discussed above, such as:

eBay
Troll and Toad
Mercari
TCGplayer
Card Cavern
Dave & Adam’s
Pokémon Facebook Groups
Full Grip Games
Safari Zone
Sell2BBNovelties

Where is the best place to sell Pokemon cards?

The best place to sell your Pokémon cards depends on your preferences. eBay gives you a worldwide market and you are probably already familiar with their platform.

TCGplayer and Troll and Toad specialize in trading card sales and have a lot of Pokémon cards for sale.

Pokémon Facebook Groups are a great way to connect with those interested in Pokémon cards, and there are no listing fees – but you would be dealing with people on your own and handling everything yourself.

Are there any local stores that buy Pokemon cards?

Some local stores, like comic book shops, game stores, and pawn shops, may buy Pokémon cards. You can call local stores to see if they buy cards before bringing your collection in person.

Can you sell Pokemon cards on Etsy?

Etsy is generally geared towards handmade and vintage items, so it’s not an ideal platform for selling Pokémon cards. It’s best to stick with platforms like eBay, TCGplayer, or Troll and Toad for selling trading cards.

I did a search for Pokémon cards on Etsy and it said there were 43,326 results, but I think many of these are for custom art, in that they would be turning a picture of you or your pet into a Pokémon card. So, not the same thing.

Can I sell Pokemon cards on eBay?

Yes, you can sell Pokémon cards on eBay. It is one of the most popular sites for selling Pokémon cards and it gives you control over pricing and listing options.

Can you sell Pokemon cards at GameStop?

GameStop typically does not buy or sell individual Pokémon cards.

Do pawn shops buy Pokemon cards?

Some pawn shops may buy Pokémon cards, especially if they are valuable or rare. Call your local pawn shops or visit them in person to inquire about their interest in buying Pokémon cards. Remember, they do not specialize in Pokémon cards and have a smaller market, so you may not get as much for your Pokémon cards at a pawn store.

What does TCG and CCG mean?

As you’re going through the sites above looking for one of the best places to sell your Pokémon cards, you may come across these two terms. CCG means collectible card game and TCG means trading card game.

How can I determine the value of my Pokemon cards?

Figuring out the value of your Pokémon cards involves considering factors like:

rarity
condition
age

Websites like TCGplayer and Troll and Toad provide price guides and historical sales information to help you estimate the value of your cards.

How do I check the value of my Pokemon cards?

Check the value of your Pokémon cards by researching on websites like TCGplayer, eBay, and Pokémon Price. These platforms can give you a good idea of the current market value for individual cards.

Do you need a license to sell Pokemon cards?

You generally do not need a license to sell Pokémon cards, unless you’re planning to sell them by opening an in-person store. Check your local regulations to make sure you’re following any required guidelines.

How much is Charizard Pokemon card worth?

Charizard cards vary widely in value and can be worth anywhere from $25 to over $50,000. The Charizard Pokémon card that is worth the most is typically a mint condition 1st Edition from the base set.

What Pokemon cards are worth more than $100?

Some Pokémon cards worth more than $100 include rare Pokémon cards, such as first edition holographic cards from the original sets, high-grade cards, misprints, and promotional cards like the Pokémon Illustrator card.

What is the most expensive Pokemon card?

The most expensive Pokémon card varies over time; some examples include the Pokémon Illustrator card, the 1st Edition Charizard, or unique, one-of-a-kind promo cards handed out during official Pokémon events. The rarest Pokémon cards obviously cost more money and sell for more.

According to TCGplayer, the most expensive Pokémon cards include:

Pokémon World Championships No. 2 Trainer Promo
No. 2 Trainer Toshiyuki Yamaguchi (2000)
Neo Genesis 1st Edition Lugia (2000)
Super Secret Battle No. 1 Trainer (1999)
Family Event Trophy Kangaskhan (1998)
Test Print Blastoise Gold Border (1998)
Tsunekazu Ishihara Signed Promo (2017)
Trophy Pikachu No. 3 Trainer Bronze (1997)
Commissioned Presentation Blastoise Galaxy Star Holo (1998)
First Edition Shadowless Holographic Charizard #4 (1999)
Illustrator Pikachu (1998)

These were all sold for over $100,000 each.

Best Places To Sell Pokemon Cards – Summary

I hope you enjoyed this article on the best places to sell Pokémon cards and how to sell Pokémon cards for cash.

If you have Pokémon cards that you no longer want, there are many ways you can sell them. And, they may be worth a lot of money!

To figure out the value of the Pokémon cards that you want to sell, you’ll want to look at their rarity symbols, Pokémon card condition, grading (if applicable), and market comparisons. Understanding these factors will help you decide if your cards are worth selling and where to find the best prices.

Once your cards are sorted and evaluated, it’s now time to choose the best places to sell your Pokémon cards. Here are some popular options:

eBay – This site has millions of Pokémon cards sold every year. It’s a great place to find a worldwide audience, but remember to factor in shipping costs and eBay fees.
Facebook Marketplace and Pokémon Facebook Groups – Connect with local collectors or fans without worrying about shipping fees. This option may mean that you will meet the buyer in person.
Local comic shops – These stores can be an easy place to sell your cards, especially if they specialize in Pokémon cards or trading card games.
TCGplayer – Catering specifically to trading card game fans, this site has a dedicated space for buying and selling Pokémon cards.

Other options include Troll and Toad, Card Cavern, Dave & Adam’s, Sell2BBNovelties, pawn shops, and more.

Good luck selling your Pokémon cards!

What do you think is the best place to sell Pokemon cards for cash?

Source: makingsenseofcents.com

Apache is functioning normally

September 20, 2023 by Brett Tams

Looking for jobs where you work alone? If you’re an introvert or simply want minimal human interaction, here are 40 ideas.

Looking for the best jobs where you work alone? If you’re an introvert or simply want minimal human interaction, here are 40 ideas.

With there being so many different types of jobs out there nowadays, more and more people are looking for jobs where they can be by themselves, away from the busy office or customers. They find comfort in jobs where they can do tasks on their own, letting them really concentrate and do well in what they do best.

For me, I have worked mostly alone for over a decade now, and I wouldn’t change it for the world. I enjoy the flexibility of working on my own and having less stress.

Jobs that let you work this way are usually appealing to introverted individuals, those who like a calmer setting, or people who just work better with more independence.

Knowing which jobs let you work alone is really important for those who want to find the right mix of being on their own and getting things done well.

Top Jobs Where You Work Alone

There are 40 jobs where you can work alone listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:

Benefits of Jobs Where You Work Alone

More and more people are looking for jobs where they can work alone, and I get it! I have been working mostly alone for over a decade and I really love it.

After all, a person spends so much of their time working, so you might as well like what you’re doing. If you’re an introvert, or if you like working by yourself, there are jobs where you can do just that.

Some of the positives of working alone include:

Less stress if you’re an introvert – If you’re an introvert, then you may feel stress when working with other people, such as coworkers and customers.
Getting more stuff done in less time – Working alone may mean that you can complete your tasks faster because there are fewer distractions.
Having a more flexible schedule – Some jobs where you work on your own sometimes let you choose when you want to work, as long as you get the work done.

If you’re looking for jobs where you work alone, think about what you’re good at and what you enjoy (and also think about what you don’t like!).

40 Jobs Where You Work Alone

Below are 40 jobs where you can work on your own. The jobs below range from earning a part-time to a full-time income too.

1. Proofreader

Proofreaders check and edit written content for errors and inconsistencies, and this job requires strong attention to detail and excellent grammar skills.

If you’re good at paying close attention to details, then proofreading could be an ideal work-alone job for you.

Authors, website owners, and students often hire proofreaders to improve their work. There’s a high demand for proofreaders, and you can find jobs through many different platforms.

Even the most skilled writers can make mistakes in grammar, punctuation, and spelling. That’s why hiring a proofreader can be very helpful for pretty much anyone and everyone.

If you want to find online proofreading jobs, I recommend joining this free 76-minute workshop focused on proofreading. In this workshop, you’ll learn how to begin your own freelance proofreading business.

Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).

2. Virtual Assistant

One of my first side jobs was as a virtual assistant and it was a fun and flexible way to earn income. While you do have a boss when you are a VA, a lot of the tasks that you do will require you to take charge and complete them by yourself in your own home.

A virtual assistant is someone who helps people with office tasks from a distance. This could be from your home or while you’re traveling. It might include things like replying to emails, setting up appointments, and managing social media accounts.

This job can pay you more than $50,000 each year.

If you want to find part-time or full-time virtual assistant jobs, I recommend joining the free workshop called “5 Steps To Become a Virtual Assistant“.

Recommended reading: Best Ways To Find Virtual Assistant Jobs

3. Bookkeeper

Bookkeepers are people who keep track of all the money-related things for businesses such as writing down sales, keeping a record of expenses, and making financial reports.

This is a job where you can work alone and a typical salary is $40,000+ each year. Plus, you’ll mainly be dealing with numbers and not people.

You can join the free workshop that focuses on finding virtual bookkeeping jobs and how to begin your own freelance bookkeeping business by signing up for free here.

Recommended reading: How To Find Online Bookkeeping Jobs

4. Blogger

Blogging is a great way to make money while working on your own. It’s one of the reasons I really enjoy it, haha! I get to work by myself, for myself, and I can pick the projects I want to work on.

As a blogger, you write content for others to read online. You get to choose what you want to write about as well as how you want to make money blogging because there are so many different options (like affiliate marketing or displaying ads).

You can begin a successful blog about a specific topic like finance, travel, lifestyle, family, and many others.

Blogging is my main source of income, and it has completely transformed my life. I have the freedom to travel whenever I want, set my schedule, and be my boss.

Since I began Making Sense of Cents, I’ve made more than $5,000,000 from my blog. I earned this money by working with companies through sponsored partnerships, affiliate marketing, display ads, and selling online courses.

Learn more at How To Start A Blog FREE Course.

5. Delivery Driver

Delivery drivers pick up and drop off packages. And, they get to work by themself most of the time as they are in the vehicle alone.

A delivery driver may drive a car, truck, or even a bike, depending on the company they work for. They don’t usually have a boss watching them all day nor have to deal with very many customers for long periods.

6. Book Reviewer

Book reviewers read books and share their thoughts in book reviews.

There are websites where you can get paid for sharing your thoughts about books and you may earn money through PayPal or a bank transfer, and sometimes you get to keep the book you reviewed.

They don’t just want positive reviews either, they want to know what you really think! You see, authors and publishers like to send out free copies of their books so that they can get honest opinions. Just like us, they know it’s helpful to read reviews before deciding if a book is worth the time.

Some sites that pay for book reviews include Online Book Club, Kirkus Media, and BookBrowse.

Recommended reading: 7 Best Ways To Get Paid To Read Books

7. Deliver RVs or Cars

You can earn money by traveling across the country and delivering vehicles for people and dealerships. Sometimes you’ll be towing the vehicle, and other times you’ll be driving it.

If you want a job with minimal human interaction, this can be a good one to look into as you are mostly by yourself. You simply pick up the vehicle, drive by yourself, and then drop it off.

For this job, you need to have a clean driving record. Those who do this type of work can earn around $300 to $400 (or much more!) for each vehicle they deliver. It depends on the distance they are traveling and what is being transported.

8. Digital or Graphic Designer

A graphic designer is someone who creates designs for others, such as people and businesses.

As a digital designer, you may be making things like images, printables, planners, t-shirt designs, calendars, business card designs, social media graphics, stickers, logos, and more.

Recommended reading: How To Make Money As A Digital Designer

9. Pet Sitter and Dog Walker

Pet sitters and dog walkers take care of pets while pet owners are away, such as on vacation or in the hospital. Some of the tasks include feeding, taking dogs for walks, and playing with them.

You might have pets come to your home or you can go to their owner’s place (this is something that is agreed upon beforehand). Dog walkers earn around $20 for every hour walking a dog. Looking after someone’s pet overnight can earn a person around $25-$100+ or even more each day.

I have personally paid a person to watch my dogs overnight in their home $100 a day. She was so wonderful too and my dogs loved her.

Now, with this job, you’re not working entirely alone, because you will be with pets. But, they can be great friends and companions!

Rover is a company you can sign up with and list your dog walking and pet sitting services.

10. House Cleaner

House cleaners make sure homes and businesses are nice and clean. They might work alone or with a small group. They can earn between $25 to $50 an hour for cleaning for others.

You can work for a cleaning company, but you’ll likely make more money if you have your own business.

Starting this kind of business isn’t expensive because you likely already have the cleaning supplies you need. You can advertise your services on Facebook, tell your friends and family, or make an account on Care.com.

11. Transcriptionist

An online transcriptionist’s main task is to listen to video or audio files and then type out everything that is being said, a process known as transcribing. The aim is to accurately write down what is heard, without any mistakes in spelling, grammar, or punctuation.

There are many different types of transcriptionists as well – legal, general, and medical transcriptionists.

This job requires strong typing and listening skills, and you can work from home all by yourself.

Online transcriptionists earn around $15 to $30 per hour on average, with new transcribers on the lower end of that.

A helpful free resource to take is FREE Workshop: Is a Career in Transcription Right for You? You’ll learn how to get started as a transcriptionist, how you can find transcription work, and more.

Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly

12. House Flipper

House flippers buy, renovate, and sell properties for a profit. This job involves managing renovation projects, and you can work alone or with a small crew.

House flipping is when someone buys a property at a lower price, fixes it up (like painting, redoing the kitchen, and improving the outside appearance), and then sells it for more money to make a profit. This is done to make a quick return on the investment.

Recommended reading: 10 Best Books on Flipping Houses To Make Money

13. Grocery Shopper

Grocery shoppers buy groceries for people like you and me, offering a helpful service for those who don’t have the time or can’t shop on their own. You’ll work on your own and talk to clients through an app on your phone.

One service you can easily sign up with to become a grocery shopper is Instacart. This is a popular site for people who want to make extra money by shopping for and delivering groceries.

Instacart shoppers make money from a mix of base pay, tips from customers, and sometimes bonuses or rewards (like for finishing orders during busy times).

You can sign up here to get started as a grocery shopper with Instacart.

Recommended reading: Instacart Shopper Review: How much do Instacart Shoppers earn?

14. Affiliate Marketer

Affiliate marketers share products or services with their followers for a commission. You do this by placing a referral link on your website, blog, or social media (like Instagram). When people use that link to buy something, you then get a commission.

For example, if you share a link to a book on Amazon and someone buys it through your link, you make some money. Companies like Amazon want people like you to help them sell things, so they’re happy to work with you as it helps them.

If you get someone to sign up through your special link, the company gives you a commission for telling others about their product. It’s like a little thank-you for your help!

This is one of my favorite jobs where you work alone from home, and what I do full-time!

Click here to get Affiliate Marketing Tips – Free eBook.

15. Flea Market Flipper

Flea market flippers find underpriced items at flea markets, yard sales, and thrift stores, then resell them for a profit. This job requires a good eye for valuable items and the ability to research market value.

Finding items to resell may be one of the best jobs to work alone on this list because we all have things in our house we could probably sell. Plus, there are always things that you can buy for a low price and possibly resell for a profit.

If you are looking for work-alone jobs, this is a great one to look further into.

I recommend signing up for this great webinar, Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days, that will help you learn how to make money by flipping items as well.

16. Sell Printables on Etsy

Creating and selling digital printables on Etsy is a great way to work independently and earn money.

Making printables can also be a pretty hands-off job since you only have to create one digital file for each product, and you can sell it as many times as you like. It’s quite affordable to start because you only need a laptop or computer and an internet connection.

Printables are digital items that customers can download and print at home. They can include things like bridal shower games, grocery shopping checklists, budget planners, invitations, printable quotes for wall art, and patterns.

I recommend signing up for Free Workshop: How To Earn Money Selling Printables. This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.

17. Mechanic

Mechanics diagnose and repair vehicles, working independently or in small shops. Strong problem-solving skills and knowledge of automotive systems are important.

Being a mechanic is a job where you often work on your own. While they might work in a garage with other mechanics, they often have their own tasks to do. They need to be really careful and pay close attention to make sure everything gets fixed just right.

18. Dog Treat Baker

Do you really like dogs? If you do, here’s a way to work mainly alone and make an extra $500 to $1,000 or even more each month.

You don’t need to know how to bake beforehand, because you can learn this skill. You can make special treats like cupcakes, cookies, cakes, and more, all for dogs.

You can sign up for this free training workshop that shows how to start a dog treat bakery.

You can learn more at How I Make $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).

19. Amazon Seller

Selling items on Amazon is a job where you work alone (mostly) and don’t have to deal with customers face-to-face.

Even if you’re new to selling on Amazon, you can make money by selling household goods, books, electronics, and more.

If you’re interested in learning about starting an Amazon business, you can join this free training that will teach you how to sell products on Amazon and make around $100 to $500+ each day.

20. Stock Photo Photographer

Stock photo photographers work on their own, and this job can be done without talking to anyone for the most part. Almost all of the tasks can be done with just a camera and then uploading photos on a site.

Stock image sites are some of the most popular ways for photographers to sell their pictures. These are sites where customers can buy pictures for websites, TV shows, books, social media accounts, and more. There are stock photos that I have purchased within this blog post that you can take a look at to see an example.

One great thing about stock photo sites is that they can be a great form of passive income. You can take pictures, upload them, and earn money from an older photo for months or even years in the future. There is no need to talk to anyone as everything is online and mostly automated.

Some stock photo websites include Shutterstock, iStock, DepositPhotos, and Dreamstime.

Recommended reading: 18 Ways You Can Get Paid To Take Pictures

21. Social Media Manager

Social media managers post on social media accounts for businesses and their goal is to bring in new customers and help a business grow.

Social media managers may post a picture or a video of a product or the company, join in a viral trend to get more views (such as on TikTok), answer common questions from customers, and more.

This includes social media platforms such as TikTok, Pinterest, Instagram, Twitter, and Facebook.

Salary can vary, and this job can be done part-time or full-time.

22. Landscaper

A landscaper improves and maintains outdoor areas, such as by taking care of the lawn, planting flowers, or even renovating a whole outdoor area (such as to make it more enjoyable to sit outside and have company).

If you’re interested in jobs where you work alone outside, this is one to consider as you will be outdoors and working on your own a lot. Customers may talk to you occasionally, but you are mostly by yourself.

Landscapers work at houses, apartment complexes, businesses, or somewhere else.

23. Data Entry Clerk

Data entry clerks enter, update, and check information in databases or spreadsheets. They type information such as numbers and names into computers to keep things organized and recorded.

This job can sometimes be done remotely and alone, with minimal supervision or interaction with customers.

Data entry jobs typically pay around $15-$20 an hour.

24. Editor

Editors review and improve written content for clients and they usually work on their own as most of their time is spent editing content.

Their job is to read articles, blog posts, advertising, books, and more to make them better. They fix any mistakes in grammar or spelling and help the words flow smoothly.

Editors typically earn anywhere from $40-$60+ an hour.

25. Freelance Writer

Freelance writers write content for clients, such as blog posts, advertising, and more. Freelance writing jobs where you work by yourself are common as you’ll be given a topic to write about from the client, and when you are done you may be given some feedback (such as paragraphs to improve or add to). But, that is usually as much human interaction as you’ll get if you want.

You can find different writing jobs on platforms like Upwork and Fiverr, or even find clients on your own.

I was a freelance writer for many years before switching to working full-time writing here on Making Sense of Cents. It is a great career path where you can work from home mostly by yourself.

Recommended reading: 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)

26. Translator

Translators convert written content from one language to another, requiring fluency in at least two languages. Freelance and remote opportunities are available.

If you know another language, you might be able to find a work-from-home job where you can earn money by reading books and translating them. Another option is to get paid for proofreading or editing translated books to ensure they read smoothly and accurately.

There are lots of places you can find translation jobs, such as UpWork, Babelcube, Today Translations, Ulatus, Fiverr, and more.

27. Computer Programmer

Computer programmers write and maintain computer software, often working alone on projects.

They use coding to tell computers what to do and create all sorts of things like apps, games, and websites.

28. Canva Template Designer

Creating and selling Canva templates online allows you to work alone.

A Canva template is like a ready-made design that you can use for things like making posters, Pinterest pins, ebooks, or presentations. It’s like having a helpful starting point if you’re not super good at designing things from scratch. Canva templates come with empty spaces where you can put in your own words and pictures and you can also change colors and fonts to make them just how you like. They’re really helpful for people who want their things to look nice without spending a lot of time on it.

Making and selling Canva templates can be a great way to earn extra money as you only need to create them once, and then you can sell them as many times as you like.

Recommended reading: How I Make $2,000+ Monthly Selling Canva Templates

29. Voice Over Actor

A voice-over actor is the person whose voice you hear but don’t see in YouTube videos, radio ads, educational videos, and more.

Voice-over actors many times work right from their own homes!

Voice actors don’t need experience for this job (eventually, it does help, yes). Instead, they need to have a voice that the company is looking for.

Recommended reading: How To Become A Voice Over Actor And Work From Anywhere

30. Truck Driver

Truck drivers are people who move things from one place to another. To do this job, truck drivers need a commercial driver’s license (CDL). This job often involves working by yourself for long hours.

The salary for a truck driver can depend on things like what kind of items they’re moving and the miles they have to drive. Usually, they can make between $45,000 and $75,000 or even more in a year.

31. UPS Driver

UPS drivers deliver packages to people’s homes and businesses. They do this mostly on their own, in their trucks by themselves.

UPS drivers make a good income and they earn about $30-$45 per hour or even more, depending on how many years they have worked at UPS and where they work.

32. Security Guard

Security guards protect property and/or people, and they usually work alone.

A security guard’s salary depends on things like where they work, how long they’ve been doing the job, and what exactly they have to do. Usually, they can make between $25,000 and $35,000 in a year.

33. Self-Storage Facility Owner

Self-storage facilities are where people store their belongings, like boxes of their mementos, vehicles, RVs, and more.

Owning a self-storage business can be a way to make money and run a business with low expenses, plus they typically only have a couple of employees.

Many of the times when I’ve been to a self-storage lot, it’s been just the owner or an employee of theirs working. There are almost no customers either.

Recommended reading: How To Invest In Self-Storage For Beginners

34. Laundromat Owner

Similar to a self-storage business, a laundromat typically does not have very many employees.

Running a laundromat can be a way to make money, with low costs, as most things are automated (the washer and dryer machines do all of the washing).

Recommended reading: Are Laundromats Profitable? How Much Do Laundromats Make?

35. Get Paid To Text

When getting paid to text, you will many times be talking to someone else, but it is all done through text messages.

Some jobs may include:

Text Therapy or Coach
Answering questions, such as if you are a mechanic, doctor, lawyer, veterinarian, home expert, appraiser, computer expert
Customer support

Recommended reading: 28 Ways To Get Paid To Text And Make Money

36. Survey Taker

Taking online surveys and answering questions for focus groups is not a full-time job, but it can be a way to make some extra money.

You share your thoughts and answer straightforward questions, and in return, you can receive cash or rewards such as Amazon gift cards.

The survey companies I recommend signing up for and the best-paying survey sites include:

American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Pinecone Research
Prize Rebel
User Interviews – These are the highest paying surveys with the average being around $60.

Recommended reading: 18 Best Paid Survey Sites To Make $100+ Per Month

37. Twitch Streamer

Twitch is a site where you can make money playing video games, talking online in a live stream, and more. A streamer may be able to make money from their own home and all alone. Yes, they do need to be live recording their life, but they are their own boss.

There are many ways to make money on Twitch such as with paid subscriptions, display ads, selling merchandise (like t-shirts and mugs), and more.

Some of the most successful Twitch streamers make hundreds of thousands or even millions of dollars each year, but, it’s important to know that most don’t earn much at all.

Recommended reading: How Much Do Twitch Streamers Make?

38. Litter Cleanup Worker

If you own a business, it’s important to keep your place clean and tidy. Nobody likes to see trash lying around, right?

That’s why some business owners are happy to pay for someone to clean up before their business opens for the day. A clean area makes the place look nice and welcoming for customers.

This business can be started all alone and earnings on average are about $30 to $50 for every hour you work. It’s pretty simple too. You’ll just need a broom, a dustpan, and some tools to help you pick up litter easily. It’s almost like taking a stroll while you work! Plus, you can choose when you want to do it, so it can fit nicely into your schedule.

Recommended reading: How I Started A $650,000 Per Year Litter Cleanup Business

39. Google Rater

A Search Engine Evaluator, also known as a Google Rater, is a person who looks at websites and blogs and gives them a score based on how good and helpful they are for Google.

You don’t need to be a tech expert or have a fancy background for this job. Google actually wants regular people, just like you, to rate websites. Plus, you can do this in your own language. Google works in lots of different countries, so you can help out right from where you are.

Recommended reading: How To Become a Search Engine Evaluator

40. Actuary

An actuary is a financial expert who helps businesses figure out and manage their money-related risks, such as for insurance, pensions, and investments.

They use mathematics and statistics to forecast what might happen and help companies make smarter financial decisions.

Actuaries can earn a good salary, and as they get more experience and pass more exams, they can make even more money. Depending on where they work and how experienced they are, actuaries earn average salaries of anywhere between $70,000 to well over $100,000 each year.

Frequently Asked Questions About Jobs Where You Work Alone

Here are answers to common questions about finding jobs where you work alone.

What are jobs with no interaction? What jobs allow me to work by myself?

Yes, there are jobs where you don’t need to talk to people a lot. For example, being a night shift security guard, a transcriptionist, or a stock photo photographer.

How can I work alone from home?

There are jobs where you can work alone at home such as being a blogger, a transcriptionist, or a computer programmer.

What are jobs where you work alone with no degree?

Many jobs don’t require bachelor’s or master’s degrees (a high school diploma will work for many on the list above) and offer the opportunity to work independently. Mowing lawns, painting houses, repairing cars, or walking dogs often don’t require formal education and focus more on skills and experience.

Which part-time jobs are best suited for solitary workers?

Many of the jobs in this blog post can be done part-time, such as any of the freelance jobs, house cleaning, dog walking, and taking surveys. That is one of the joys of many of the jobs above – you can choose your schedule.

What trade jobs can one perform independently?

Trade jobs that you can perform independently include carpentry, welding, or plumbing. These professions usually require specific skills or certifications but may offer opportunities to work alone.

Are there any tech jobs ideal for people who prefer to work alone?

Yes, there are tech jobs that can work well for people who want to work on their own such as web developers, software engineers, or data analysts. These roles usually involve solving problems and working independently, though there might be some instances where collaboration is needed from time to time.

What jobs can be done in isolation with no experience required?

Jobs such as house cleaning, taking surveys, and flea market flipping can be good places to start for entry-level jobs.

How can I find work-alone job opportunities near me?

To find work-alone job opportunities near you, try perusing local job boards, classified ads, or online sites like Indeed or LinkedIn. You can also network with people in your community or join online forums related to your interests to find jobs.

Jobs Where You Work Alone – Summary

I hope you enjoyed this article on jobs where you work alone.

These jobs are like a safe space for people who like being by themselves. It’s a place where you can really concentrate and do your own thing with low social interaction. Jobs where you work alone often appeal to introverts and individuals who require fewer distractions.

Jobs like writing, coding, and freelancing let you work on your own. Not everyone may like working alone, but for those who do, it can be a lot less stressful and overwhelming.

I have been working mostly on my own for years now, and I really love it!

Do you want to find jobs where you work alone?

Source: makingsenseofcents.com

Apache is functioning normally

September 17, 2023 by Brett Tams

While some states offset the high cost of college with substantial financial aid programs, Rhode Island’s offerings are much more limited. In fact, it has one of the lowest rates of state grant aid per full-time undergraduate student; Rhode Island provides about $170 in funding per student, the seventh-lowest amount in the country, according to a 2022 College Board report.

To put that in perspective, consider that South Carolina — the state with the highest level of state grant aid — provided about $2,590 per student.

Though limited, there are still some state aid programs. Whether you have your heart set on attending Brown University, The University of Rhode Island or the Rhode Island School of Design, here are the available financial aid programs specific to Rhode Island.

The cost of education in Rhode Island

There are 13 public and private non-profit colleges and universities in Rhode Island.

Higher education in Rhode Island tends to be much more expensive than it is in other states. Even public universities and community colleges, which are typically lower-cost options, are costly.

Based on the average rates of tuition, fees and room and board for the 2020-2021 academic year, here’s how much you can expect to pay, according to data from the National Center for Education Statistics:

Public four-year school (in-state): $26,946 per year, about 26% more than the national average of $21,337.
Private four-year school: $61,692 per year, about 33% higher than the national average of $46,313.
Community college (in-state): $4,806 per year, about 37% higher than the national average of $3,501. (Community college costs don’t include room and board.)

Several factors are behind the high college costs. In addition to Rhode Island’s high cost of living and limited financial aid, it’s also home to several well-known private universities with hefty price tags that drive up average tuition rates. For example, a student’s estimated total cost for the 2023-2024 academic year at the Rhode Island School of Design is $81,810 — nearly double the national average for private schools.

Financial aid options in Rhode Island

Although public schools are more expensive in Rhode Island than in other states, attending a public university is still cheaper than private school — but only if you qualify for in-state tuition.

You qualify for in-state tuition if you meet one of the following criteria:

You attended an approved Rhode Island high school for at least three years.
You graduated from an approved Rhode Island high school.
You lived in the state for at least 12 months prior to enrollment.

Unlike some states, Rhode Island extends residency to undocumented students, including those with Deferred Action for Childhood Arrivals (DACA) status. As a result, undocumented and DACA students are eligible for in-state tuition and state aid in Rhode Island if they meet the other residency requirements.

Students may also have trouble finding funding opportunities in Rhode Island because its aid programs aren’t listed in one central location. Programs are usually provided through partnerships with other organizations, so they’re often listed on non-government websites that can be difficult to find if you don’t already know about them.

Although Rhode Island’s options are more limited than those of other states, you may be able to use one or more of the following programs to finance your education:

529 plans.
In-state tuition.
Scholarships.
Tuition waivers.
Student loans.
Other aid programs.
Student loan repayment assistance.

529 plans

Rhode Island doesn’t have a prepaid tuition plan, but families can use a CollegeBound Saver 529 account to save and invest for a child’s future education. The money can grow tax-deferred in a CollegeBound Saver account, and the withdrawals are tax-free as long as they’re used for qualifying education expenses. Beneficiaries may use the funds at any U.S.-accredited college; they aren’t limited to Rhode Island schools.

Rhode Island has a higher-than-usual maximum contribution limit; families can contribute to an account until its total market value reaches $520,000 per beneficiary.

The CollegeBound Saver 529 has two other benefits:

State income tax deduction: Rhode Island taxpayers who contribute to this account may qualify for a state income tax deduction. They can deduct up to $500 in contributions individually, or $1,000 if they are married and file a joint return.
Starter Bonus: If you have a newborn or recently adopted a child, Rhode Island will contribute $100 if you open a new CollegeBound Saver account and deposit at least $100.

In-state tuition

The average total cost of attendance for in-state students at Rhode Island public schools is less than half the average cost of attending a private school.

However, students who want to attend college outside of Rhode Island may qualify for the New England Board of Higher Education’s Tuition Break program. Students who are residents of member states — Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont — can enroll in an eligible program at a public community college or university in another participating state at a reduced rate.

According to NEBHE , the average full-time student saves $8,600 per year with Tuition Break. Exact savings depend on the program and state. You can view the eligible programs and schools on the NEBHE website.

Rhode Island scholarships

Rhode Island offers just two state scholarship programs, both of which are awarded based on academic merit and financial need. The programs are typically very limited in scope and are only available to students at particular schools.

The two Rhode Island scholarship programs are:

Rhode Island Promise Scholarship Program

Through the Rhode Island Promise Scholarship Program, the state will cover up to the full cost of tuition and fees for qualifying students who attend the Community College of Rhode Island (CCRI) full-time for two years..

To qualify, students must be Rhode Island residents and enroll full-time at CCRI for the semester beginning immediately after their high school graduation.

Rhode Island College Hope Scholarship

The Rhode Island College Hope Scholarship is a state-funded award offered to eligible students at Rhode Island College (RIC). It is a last-dollar award, meaning it covers the student’s remaining tuition and fees after other grants and scholarships are applied.

To qualify, students must be Rhode Island residents and in their junior or senior years at RIC with a GPA of at least 2.5. Applicants must be on track to graduate or earn an approved certificate in a total of four years.

Adult students who have earned at least 60 credits within a four-year period at RIC are also eligible for the scholarship over a duration of two years or less.

The Hope Scholarship is a pilot program; currently, it’s set to expire in 2028 unless the state government provides additional funding.

🤓Nerdy Tip

Although state-funded financial aid is limited in Rhode Island, there are scholarships and grants available from other sources. The Rhode Island Foundation maintains a database of scholarships provided by individuals, organizations and companies that are specifically for Rhode Island residents.

Tuition waivers in Rhode Island

If you are eligible for one of Rhode Island’s tuition waiver programs, a portion of your tuition costs will be waived at select schools.

The following groups are eligible for tuition waivers in the Ocean State:

Senior citizens

Permanent Rhode Island residents who are 60 or older can take courses at any public institution within the state, and the full tuition will be waived. Admission into particular courses is at the discretion of the university and is based on available space. All other expenses, including textbooks and living expenses, are the student’s responsibility. The program is restricted to those with a household income less than three times the federal poverty level.

Disabled veterans

Under Rhode Island’s Disabled Veterans Tuition Waiver, veterans with a qualifying service-connected disability who permanently reside in the state can receive a waiver for the full cost of tuition at Rhode Island’s public colleges and universities. Students must apply for and use other financial aid before the waiver is applied.

National Guard service members

Current National Guard members in Rhode Island can qualify for the RI National Guard State Tuition Assistance Program (STAP). This is a waiver that covers up to five classes per semester at Rhode Island’s public colleges and universities. Other expenses, such as fees and textbooks, are the responsibility of the student.

To qualify, you must be an Army or Air National Guard service member pursuing an associate, bachelor’s or master’s degree from the Community College of Rhode Island, Rhode Island College or the University of Rhode Island. Guard members must serve a one year military commitment after leaving school for every 12 course credits completed with the waiver.

Unemployment recipients

If you were laid off from work and filed for unemployment within the last 60 days, you may be eligible for a waiver of tuition costs at Rhode Island’s public schools. You can check your eligibility and download a tuition waiver certificate on the Rhode Island Department of Labor and Training website.

Rhode Island student loans

The Rhode Island Student Loan Authority (RISLA) is a non-profit agency that issues private student loans for undergraduate students, graduate students and parents. It also provides student loan refinancing for borrowers with existing education debt.

Although there are special benefits for Rhode Island residents, RISLA issues loans to borrowers nationwide with competitive rates. Borrowers can take out loans between $1,500 and $50,000 per year, and can use the funds to pay for education expenses at public or private schools.

Some of RISLA’s stand-out benefits include the following:

Income-based repayment: RISLA is one of the few private lenders to offer an income-based repayment option for borrowers who can’t afford their monthly payments. This plan bases your payments on a percentage of your income, and your loan term can be extended up to 25 years. If you still have a balance after 25 years of qualifying payments RISLA will discharge the remaining amount. Borrowers must demonstrate financial hardship to qualify for this repayment plan.
Nursing Reward Program: If you are a new nurse working in Rhode Island and have RISLA student loans, RISLA will lower your interest rate to 0% for up to four years. Any payments you make during this time will solely go toward the principal, helping you save money and pay off your debt faster.
Loan Forgiveness for Internships programs: If you’re a Rhode Island resident or attend a college within the state and complete a qualifying internship, RISLA will forgive up to $2,000 of your student loans held by the lender.

Other financial aid programs in Rhode Island

Despite Rhode Island’s sparse financial aid roster, three other financial aid programs offered by quasi-state agencies could help some students pay for college:

Wavemaker Fellowship

Offered by the Rhode Island Commerce Corporation, a quasi-state agency, the Wavemaker Fellowship provides qualifying individuals with a tax credit certificate worth the value of their annual student loan payments for up to four years, up to a maximum determined by the borrower’s education level:

If your highest degree is an associate degree, the maximum is $1,000 per year.
If your highest degree is a bachelor’s degree, the maximum is $4,000 per year.
If your highest degree is a master’s degree or higher, the maximum is $6,000 per year.

The fellowship was designed to incentivize graduates to pursue careers or launch new businesses in Rhode Island in science, technology, engineering, mathematics, design or healthcare. You can view the list of eligible job titles and career paths on the organization website.

Health Professional Equity Initiative

The Health Professional Equity Initiative is a new pilot program launched by the Executive Office of Health and Human Services, in partnership with the Rhode Island Office of the Postsecondary Commissioner and Rhode Island College.

The initiative provides financial assistance for paraprofessionals pursuing careers as licensed health professionals through programs at Rhode Island College. It can help cover the cost of tuition, but it also provides funds to cover other expenses, such as childcare or transportation, so that individuals can complete their education.

Knowledge for College Scholarship

In addition to loans, RISLA also operates the Knowledge for College Scholarship program. This isn’t awarded based on merit or financial need; instead, applicants complete steps to be entered into a drawing, and the winners are randomly selected.

Selected winners receive $2,000 to cover some of their education expenses with proof of enrollment. To qualify for the award, students must be residents of Rhode Island or attending college in Rhode Island. Students must also register for an account and answer three questions about financial literacy.

Student loan repayment in Rhode Island

In Rhode Island, the average student loan balance is $31,780 per borrower — about 8% less than the national average of $34,577.

Rhode Island only has two student loan repayment programs, and both are partially funded by the federal government:

John R. Justice Prosecutor and Defender Incentive

The John R. Justice program gives states federal funds to dole out to qualifying attorneys with outstanding student loan debt. In Rhode Island, eligible residents who can take advantage of the program include those employed as full-time federal or state defenders, and state or municipal prosecutors handling any phase of juvenile or adult criminal prosecution or defense (federal prosecutors are not eligible).

Funds can only be used to repay federal undergraduate or graduate loans; Parent PLUS Loans are not eligible. Funding varies, but in recent years, the average max award in Rhode Island has been $2,000 per individual.

Health Professional Loan Repayment Program (HPLRP)

Through Rhode Island’s HPLRP, eligible primary care, dental and mental health clinicians can receive financial help with their student loans in exchange for working in high-need areas for a specific period.

In Rhode Island, workers must commit to working in federally-designated health professional shortage areas for at least two years. Participants can apply for service extensions and serve for a maximum of six years.

Award amounts vary by profession, but some healthcare professionals can qualify for up to $20,000 per year for up to four years.

How to apply for financial aid in Rhode Island

To apply for financial aid in Rhode Island, follow these steps:

Complete the FAFSA or the Rhode Island alternative aid application: Most of Rhode Island’s programs require students to submit either the FAFSA or the Rhode Island Alternative Application for State Postsecondary Student Financial Assistance. Although Rhode Island doesn’t have a submission deadline, some programs issue awards on a first-come, first-served basis, so it’s wise to submit your application as soon as possible.
Review other requirements: The majority of Rhode Island’s financial aid programs are offered in partnership with other organizations or agencies, so they all have different application requirements. Visit the issuing organization’s website to find out what information is required and program deadlines.
Reach out to your college financial aid office: Some financial aid options are only offered through a specific college. You can contact your college’s financial aid office to find out what programs are available and what you need to do to apply.

Frequently asked questions

What is the FAFSA deadline for Rhode Island?

Rhode Island is one of the few states that doesn’t specify a deadline. To find out when you need to submit the FAFSA to qualify for state-based aid, contact your selected college’s financial aid office.

Who needs to fill out the Rhode Island Alternative Application for State Postsecondary Student Financial Assistance?

Rhode Island designed the Alternative Aid Application for those who don’t meet the FAFSA’s citizenship requirements. Students can submit the Alternative Aid Application instead to apply for financial aid programs.

Rhode Island allows undocumented and DACA students to qualify for in-state tuition and state-based financial aid. However, many of those programs require the FAFSA, and students who aren’t citizens and do not have Social Security numbers are ineligible for the FAFSA.

Does Rhode Island have free community college?

Rhode Island offers free tuition to qualifying students attending the Community College of Rhode Island through the Rhode Island Promise Program. Students can complete two years of full-time study at the school without having to worry about tuition costs.

Source: nerdwallet.com

Apache is functioning normally

September 15, 2023 by Brett Tams

If you’ve been living in the U.S. these past few years, you know that rental rates have skyrocketed. Because of this, many renters cannot avoid spending more than the recommended 30% of their gross monthly income. This makes it all the more aggravating to find out your monthly rent has been raised by your landlord before your contract is up.

Raising rent can make sense in certain cases such as the market value going up. However, in other circumstances, a rent increase may be unnecessary or downright illegal.

It’s important to be educated on what can and can’t be done when it comes to your lease. Here is what you should know about your tenant rights and what you can do about it.

Can your landlord raise the rent?

The short answer to whether or not your landlord can raise your rent is yes and no. The city you live in, rent control laws and your lease will determine if it is legal or not. These are the circumstances when your landlord can and can not raise the rent.

Month-to-month leases

If you signed a month-to-month lease, landlords are within their rights to raise the rent at the end of each month. Similar to a 12-month lease, a monthly lease is still a binding contract. So your landlord would still be required to give you advance notice (generally about 30 days) and can only raise the rent at the end of the month.

Year-long leases

Typically, rent increases occur when your lease is up. So if you signed a year-long lease and your landlord tried to raise the rent six months in, that is not acceptable. Rent increases are only legal once the 12-month lease has finished.

The terms and conditions of your rent should all be laid out clearly in the rental agreement you sign at the beginning of your tenancy. Unless stated otherwise in the lease agreement, yearly and monthly rent increases are only allowed under the above conditions. That’s why it’s important to thoroughly read through and understand your rental agreement.

Keep in mind that a rent increase can also impact your security deposit. Since the rent is now higher, you may have to up the amount of the deposit as well.

Adequate notice

There are some circumstances under which your landlord legally cannot raise your rent. The first is without providing adequate notice. This is generally is about 30 days ahead of the proposed increase. It’s also illegal for a landlord to increase rent for discriminatory reasons or in retaliation for previous conflicts.

Discrimination

If you believe the rent increase is in response to a past conflict you had with the landlord or because they are discriminating against you based on your race, gender, sexual orientation or other reason, those are grounds to possibly have the increase overturned.

What to do if your landlord raises your rent

Receiving a rent increase is jarring and upsetting for anyone, especially since rent is already inflated. Finding out you may have to pay more or move is bound to trigger some strong emotions.

But you’re not without recourse and options for how to handle the situation. If you receive a rent increase notice and are unsure what to do, there are a few steps you can take.

1. Know your city’s laws

Renter’s rights can vary widely at both city and state levels. What’s legal in one city in your state isn’t always legal for other cities you may live in. This is why it’s crucial that, if you learn of a rent increase, you check your local laws.

This can pertain to whether the timing of the notice is legal, or if the increased amount is legal. Some states or cities don’t have set or maximum amounts for rent increases, leaving it up to the landlord’s discretion. So if there are no laws that set a cap or limit, your landlord can hike up the rent as much as they see fit.

2. Get it in writing

In most states, it’s required that any rent increase notice be served to the tenant in written form. This could be as a letter or email. If your landlord verbally told you they will raise the rent, that is not legal. If your landlord is trying to raise your rent and doesn’t provide written proof, that’s evidence you may use in case the situation goes to court.

3. Double-check your lease

Read through your lease to make sure that the rent increase notice is legal. This includes checking that the notice arrives in an appropriate time frame and adheres to any other relevant clauses.

4. Report any illegal actions to the proper authorities

If you determine that the rent increase is unlawful for whatever reason, you should report your landlord to the respective authorities in your area. This could be a local government agency or department related to housing or a housing and tenants’ rights advocacy group. They can point you in the right direction.

5. Speak with your landlord

Assuming the rent increase is legal, you still may not want to pay it. Maybe you are unable to afford the new proposed amount. Maybe you feel that based on your good rental history in that unit, it’s unnecessary or unjustified. Whatever the reason, you can try to negotiate with your landlord. You can do this in two ways.

The first would be to send them a rent negotiation letter. In the letter, you should describe in clear terms why you can’t or don’t think you should pay the increase.

You can detail your financial situation, or make reference to your rental history. Have you always paid the rent on time and in full? Are you a model tenant? Highlight those reasons the landlord will want to keep you on as a renter.

You can also arrange a meeting or call your landlord to negotiate the rent increase. When doing this, make the same points as you would in a negotiation letter but are able to have a straightforward conversation.

6. Organize with the other tenants

If all other attempts to negotiate with your landlord have failed, you may find strength in numbers. Check with the other tenants in your building to see if they are OK with the rent increase.

Collective action is a powerful tool. If the majority of the building opposes the rent increase and the landlord moves forward, they could be facing multiple people moving out at the same time. This gives them more work to suddenly try to fill the empty units. Having reliable, trustworthy tenants makes their job easier. This incentivizes them to work in good faith with the tenants they have.

7. Pay the increased amount

Unfortunately, if your landlord won’t budge and they are within their rights then you will have to pay the increased rent or find a new apartment to rent.

Getting a rent increase notice isn’t the be-all, end-all

Unless you live in a city with rent control, occasionally dealing with rent increases is, unfortunately, a necessary part of a renter’s life. Sometimes they can also feel very unfair. But by using the above resources, you can fight or even stop a rent increase.

The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.

Ashley Singleton is a writer who loves following and writing about current lifestyle, DIY and home improvement trends. You can read some of her other work on the Lady Spike Media website. In her spare time, she performs stand-up comedy in Los Angeles.

Source: rent.com

Apache is functioning normally

September 12, 2023 by Brett Tams

Market cap represents the total market value of a company’s outstanding shares. A company’s market capitalization, or market cap, provides a good measure of its size and value versus revenue or sales figures.

Knowing what the market cap is for a given company can help investors compare it to other companies of a similar size.

Note the market cap (the value of a company’s total equity) is different than a company’s market value, which is a more complex calculation based on various metrics, including return-on-equity, price-to-earnings, and more.

Recommended: What Is Market Value?

How to Calculate Market Cap

To figure out a company’s market cap, simply multiply the number of outstanding shares by the current price per share. If a company has 10 million outstanding shares of stock selling for $30 per share, the company’s market cap is $300 million.

Share prices fluctuate constantly, and as a result, so does market cap. You should be able to find the number of outstanding shares listed on a company’s balance sheet, where it’s referred to as “capital stock.” Companies update this number on their quarterly filings with the Securities and Exchange Commission (SEC).

Market Cap Formula

The formula for determining a company’s market cap is fairly simple:

Current price per share x Total # of outstanding shares = Market capitalization

Remember that the share price doesn’t determine the size of the company or vice versa. When measuring market cap you always have to look at the share price multiplied by the number of outstanding shares.

• Company A could be worth $100 per share, and have 50,000 shares outstanding, for a total market cap of $5 million.

• Company B could be worth $25 per share, and have 20 million shares outstanding, for a total market cap of $500 million.

Market Cap and Number of Shares

In some cases, market cap can change if the number of stocks increases or decreases. For example, a company may issue new stock or even buy back stock. When a company issues new shares, the stock price may dip as investors worry about dilution.

Stock splits do not increase market share, because the price of the stock is also split proportionally.

Changes to the number of shares are relatively rare, however. More commonly, investors will notice that changes in share price have the most frequent impact on changing market cap.
💡 Quick Tip: If you’re opening a brokerage account for the first time, consider starting with an amount of money you’re prepared to lose. Investing always includes the risk of loss, and until you’ve gained some experience, it’s probably wise to start small.

Market Cap Versus Stock Price

If you’re new to investing, you may assume a company’s share price is the clearest indicator of how large a company is. You may even assume it’s as important in choosing a stock as market cap.

While the share price of a company tells you how much it costs to own a piece of the company, it doesn’t really give you any hints as to the size of the company or how much the company is worth.

Market cap, on the other hand, might give you some hints about how a particular stock might behave. For example, large companies may be more stable and experience less volatility than their smaller counterparts.

Recommended: Intrinsic Value vs. Market Value

Market-Cap Categories

Analysts, as well as index and exchange-traded fund (ETF) providers commonly sort stocks into small-, mid-, and large-cap stocks, though some include a broader range that goes from micro or nano-cap stocks all the way to mega cap on the large end.

The size limits of these categories can change depending on market conditions but here are some rough parameters.

Nano-cap and Micro-cap Stocks

Nano- and micro-cap companies are those with a total market capitalization under $300 million. Some define nano-cap stocks as those under $50 million, and micro-cap stocks as those between $50 million and $300 million.

These smaller companies can be riskier than large-cap companies (though not always). Many microcap stocks trade over-the-counter (OTC). Over-the-counter stocks are not traded on a public exchange like the New York Stock Exchange (NYSE) or Nasdaq. Instead, these stocks are traded through a broker-dealer network.

As a result there may be less information available about these companies, which can make them difficult to assess.

Small-cap Stocks

Small-cap companies are considered to be in the $300 million to $2 billion range. They are generally younger and faster-growing than large-cap stocks. Investors often look to small-caps for growth opportunities.

While small-cap companies have historically outperformed large-caps, these stocks can also be more risky, and may require more due diligence from would-be investors.

Mid-cap

Mid-cap companies lie between small- and large-cap companies, with market caps of $2 billion to $10 billion.

Some investors may find mid-cap stocks attractive because they can offer some of the growth potential of small-caps with some of the maturity of large-caps. But mid-cap stocks likewise can share some of the downsides of those two categories, being somewhat vulnerable to competition in some cases, or lacking the impetus to expand in others.

Large-cap

Large-cap stocks are those valued between $10 billion and $200 billion, roughly. Large-cap companies tend not to offer the same kind of growth as small- and mid-cap companies. But what they may lack in performance they can deliver in terms of stability.

These are the companies that tend to be more well established, less vulnerable to sudden market shocks (and less likely to collapse). Some investors use large-cap stocks as a hedge against riskier investments.

Mega-cap

Mega cap describes the largest publicly traded companies based on their market capitalization. Mega cap stocks typically include industry-leading companies with highly recognizable brands with valuations above $200 billion.

Recommended: Investing 101 Guide

Evaluate Stocks Using Market Cap

Understanding the market cap of a company can help investors evaluate the company in the context of other companies of similar size.

For instance, as noted above market cap can clue investors into stocks’ potential risk and reward, in part because the size of a company can be related to where that company is in its business development. Investors can also evaluate how a company is doing by comparing its performance to an index that tracks other companies of a similar size, a process known as benchmarking.

• The S&P 500, a common benchmark, is a market-cap weighted index of the 500 largest publicly traded U.S. companies.

• The S&P MidCap 400, for example, is a market-cap weighted index that tracks mid-cap stocks.

• The Russell 2000 is a common benchmark index for small cap stocks.

Within this system, companies with higher market cap make up a greater proportion of the index. You may often hear the S&P 500 used as a proxy for how the stock market is doing on the whole.
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What Market Cap Can Tell You

Here are some characteristics of larger market-cap companies versus smaller-cap stocks:

Volatility: Larger companies, also often dubbed blue-chip stocks, tend to be less volatile than smaller stocks and tend to offer steady returns. What’s more, compared to larger companies, they have relatively few resources, such as access to cheaper credit and access to liquidity.

Revenue: Larger stocks tend to have more international exposure when it comes to their sales and revenue streams. Meanwhile, smaller stocks can be more oriented to the domestic economy.

Growth: Smaller companies tend to have better odds of offering faster growth.

Valuation: Larger stocks tend to be more expensive than smaller ones and have higher valuations when it comes to metrics like price-to-earnings ratios.

Dividends: Many investors are also drawn to large cap stocks because companies of this size frequently pay out dividends. When reinvested, these dividends can be a powerful driver of growth inside investor portfolios.

Market Cap and Diversification

So how do you use market cap to help build a portfolio? Market cap can help you choose stocks that could help you diversify.

Building a diversified portfolio made up of a broad mix of investments is a strategy that can help mitigate risk.

That’s because different types of investments perform differently over time and depending on market conditions. This idea applies to stock from companies of varying sizes, as well. Depending on market conditions, small, medium, and large cap companies could each beat the market or trail behind.

Because large-cap companies tend to have more international exposure, they might be doing well when the global economy is showing signs of strength. On the flip side, because small-cap companies tend to have greater domestic exposure, they might do well when the U.S. economy is expected to be robust.

Recommended: Guide to Investing in International Stocks

Meanwhile, larger-cap companies could also be outperforming when there’s a downturn, because they may have more cash at hand and prove to be resilient. In recent years, the biggest companies in the U.S. have been linked to the technology. Therefore, picking by market cap can have an impact on what kind of sectors are in an investor’s portfolio as well.

What Is Free-Float Market Cap?

Float is the number of outstanding shares that are available for trading by the public. Therefore, free-float market cap is calculating market cap but excluding locked-in shares, typically those held by company executives.

For example, it’s common for companies to provide employees with stock options or restricted stock units as part of their compensation package. These become available to employees according to a vesting schedule. Before vesting, employees typically don’t have access to these shares and can’t sell them on the open market.

The free-float method of calculating market cap excludes shares that are not available on the open market, such as those that were awarded as part of compensation packages. As a result, the free-float calculation can be much smaller than the full market cap calculation.

However, this method could be considered to be a better way to understand market cap because it provides a more accurate representation of the movement of stocks that are currently in play. Many of the major indexes, such as the S&P 500 and the MSCI indices, use the free-float method.

Market Cap vs Enterprise Value

While market cap is the total value of shares outstanding, enterprise value includes any debt that the company has. Enterprise value also looks at the whole value of a company, rather than just the equity value.

Here is the formula for enterprise value (EV):

Market cap + market value of debt – cash and equivalents.

A more extended version of EV is here:

Common shares + preferred shares + market value of debt + minority interest – cash and equivalents.

The Takeaway

Market capitalization is a common way that analysts and investors describe the value and size of different companies. Market cap is simply the price per share multiplied by the number of outstanding shares. Given that prices fluctuate constantly, so does the market cap of each company, but the parameters are broad enough that investors generally know whether a company is a small cap vs. a mid cap vs. a large or mega cap.

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Invest with as little as $5 with a SoFi Active Investing account.

FAQ

What is the maximum market cap?

In theory there is no cap on market cap; i.e. there is no maximum size a company can be. As of Aug. 21, 2023, the top five biggest companies by market cap, according to Forbes, are: Apple ($2.744 trillion), Microsoft ($2.353 trillion), Saudi Aramco ($2.224 trillion), Alphabet (Google) ($1.624 trillion), Amazon ($1.336 trillion).

How does market cap go up?

A company’s market cap can grow if the share price goes up.

Are large-cap stocks good?

The market cap of any company is neither good nor bad; it’s simply a way to measure the company’s size and value relative to other companies in the same sector or industry. You can have mega cap companies that underperform and micro-cap companies that outperform.

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Apache is functioning normally

September 11, 2023 by Brett Tams

Revive is introducing “Revive Vision AI,” a cutting-edge listing tool powered by artificial intelligence for real estate professionals. This innovative tool combines computer vision with advanced machine learning to enable data-driven decision-making.

Introducing Revive Vision AI, a cutting-edge pre-sale home renovation solution by Revive. This innovative tool uses property photos to evaluate a property’s current value and renovation possibilities.

“Revive Vision AI” from Revive is an advanced pre-sale home renovation solution. This industry-first smart tool analyzes property photos to evaluate a property’s current value and renovation potential. It utilizes Revive’s renovation recommendation engine to provide estimates supported by local contractors, maximizing the value of property listings.

This marks a significant advancement in artificial intelligence tools available to real estate professionals. For the first time, agents can leverage the unmatched speed and efficiency of AI-powered insights backed by award-winning computer vision technology. This technology considers a home’s current condition to determine a more accurate current value and maximum potential value than traditional automated valuation models (AVM).

“Revive Vision AI” from Revive is the most advanced pre-sale home renovation solution. This industry-first smart tool analyzes property photos to evaluate a property’s current value and renovation potential. It utilizes Revive’s renovation recommendation engine to provide estimates supported by local contractors, maximizing the value of property listings.

Think of it as a smart comparative market analysis (CMA) combined with AI-powered automated valuation models (AVM), providing a detailed foundation for discussions and helping agents with their listing and pricing strategies.

Revive invites early adopters to use Revive Vision AI, currently in beta testing. Agents can join the waitlist to gain access to this comprehensive assessment tool. The tool provides a detailed plan and overview, including the estimated current market value of the property, the projected market value after renovations, a value-added potential score, a thorough renovation scope and budget, and a comprehensive renovation investment plan.

Michael Alladawi, CEO and Co-founder and Dalip Jaggi, COO and Co-founder at Revive.

“Agents are the powerhouse of the real estate industry, and sellers expect them to be knowledgeable on all things real estate,” said Michael Alladawi, CEO and Co-Founder at Revive. “Revive Vision AI is an easy way for real estate professionals to present more detailed and accurate information to their clients in a digestible, easy-to-understand way,” he added.

The Revive Vision AI process is straightforward. Real estate agents upload at least ten photos of their client’s property into the Revive admin dashboard via the mobile app or desktop. Revive Vision AI then compares the subject property with similar homes in the area by analyzing photos available in MLS records. Advanced machine learning algorithms process the data obtained from photo analysis and comparative analysis. Revive Vision AI can accurately estimate renovation costs, potential market value, and projected return on investment. Finally, the AI tool will generate a report that provides investment insights and recommended home improvements.

Revive Vision AI provides all the essential information for real estate professionals and sellers to make informed decisions that align with their goals.

“Revive Vision AI is delivering what may be one of the most practical and valuable uses of AI in real estate available today,” said Dalip Jaggi, COO and co-founder at Revive, who spearheads its technology development, adding, “By leveraging computer vision and machine learning, we’re able to show homeowners how a pre-sale renovation may significantly increase their wealth. We are fundamentally improving the listing conversation real estate professionals will have with their clients, helping sellers make better decisions through real data.”

Revive’s latest breakthrough in real estate technology demonstrates the company’s ongoing commitment to helping real estate professionals deliver a better sales experience while assisting clients in maximizing the value of their homes. Revive has expanded its AI capabilities by increasing its development teams.

“This is only the beginning of how AI will be leveraged to help real estate agents and homeowners,” said Alladawi.

Real estate agents currently working with Revive can subscribe to the tool to access Revive Vision AI. Pricing details will be available soon. Agents can join a waitlist to be invited to participate in the program as it rolls out in phases.

Learn more about Revive Vision AI at www.revivevision.ai.

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Mihaela Lica Butler is senior partner at Pamil Visions PR. She is a widely cited authority on public relations issues, with an experience of over 25 years in online PR, marketing, and SEO.She covers startups, online marketing, social media, SEO, and other topics of interest for Realty Biz News.

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Source: realtybiznews.com