David Seiders, chief economist for the National Association of Home Builders says 75 percent of the nation's builders and developers are offering incentives. Those incentives range widely. As mortgage rates inch higher, some builders eager to move inventory may help in that area too, says Seiders.
That could mean a 4. Other offers target closing costs. One of the nation's largest builders, Meritage Homes, has offered to pay all closing costs and the first three mortgage payments for buyers at one of its developments near Sacramento.
Most sellers, especially developers, try to structure the discounts from selling prices as rebates, closing cost payments and mortgage payment deferrals instead of showing a discount to the original advertised price.
They don't want to establish a new, lower base price, nor do they want to field complaints from earlier buyers who paid full boat for the same house. Cheryl Preheim, a reporter for KUSA in Denver, interviewed a couple who have been trying to sell their condo for more than a year see video.
They will give away round-trip, first-class tickets to Europe or a bottle of Chateau Lafite Rothschild worth thousands to buyers willing to act right away. An area broker, Peter Workman, said other sellers were offering a month of massages and a personal chef for a while.
Matthew Martinez, a real estate investor in Boston and Florida, says a private seller wanted to give him a 20 percent discount for a quick house sale. A condo owner in Miami was throwing in a Vespa, the Italian motor scooter.
Another Miami house seller would have included round-trip air within the continental United States with the sale. To Ron Phipps, a Providence, Rhode Island, broker, these sellers' concessions may be falling on mostly deaf ears these days.
Not so last fall, when he was giving away a Lexus with the purchase of a house. Now, price is the prime motive for buyers.
He's concentrating his efforts more on convincing reluctant sellers to lower their asking prices if they are serious about finding a buyer.
That's because, with many buyers putting little down and prices in some localities stagnant or even falling, buyers could wind up with very little home equity, which can violate the guidelines or rules some lenders live by.
The lenders prefer incentives, such as kitchen upgrades, that add value to the homes, and many builders are doing just that. Home sellers are trying to find creative ways to get buyers to sign on the dotted line.
A federal law enacted in September prohibits Equifax, Experian and Transunion from charging a fee to freeze your credit. A credit freeze prevents new creditors from reviewing your credit report, making it more difficult for identity thieves from taking out credit in your name.
Go to Equifax, Experian and Transunion to initiate the freeze and find out more about how it works. Also check with your state attorney general's office or consumer protection bureau to find out whether your state offers additional consumer protections on security freezes beyond what the federal law provides.
Sometimes you just need somebody to talk to. The website 7 Cups provides free counseling and listening services to those in need. The site and its corresponding app is based around an instant messaging model where you can either volunteer as a listener or message confidentially with a volunteer.
Similar to 7 Cups, Blah Therapy offers a premium version where you pay a monthly subscription fee to message a licensed therapist. However, it also has a completely free version that connects you with a trained listener who most likely has also been diagnosed with anxiety, depression, or post-traumatic stress disorder.
We Are More, while not designed to take the place of in-person therapy, is a network of people diagnosed with chronic illnesses that provide peer counseling to each other. In January , Maryland passed a law requiring all residents to have a working smoke detector installed, and Virginia lawmakers have now made it legal for localities to implement similar policies.
Several local fire departments offer free smoke detectors, and will even come to your house to install them. For example, residents of Baltimore City or Fairfax, Va. Through its Home Fire Campaign, the American Red Cross provides free smoke detectors to residents of 12 states.
You can submit your request through GetASmokeAlarm. But Robinhood does offer no-commission and no-fee trades for all U. Just sign up, link your bank account and enjoy the savings. Also, check with more-traditional online brokers such as Fidelity or Charles Schwab to see if they are offering any promotions.
You can find millions of pages of free information online, but how many of them enable you to reap a tangible benefit? Consider our favorite free sources for reasoned discussion and hard-to-find financial data for income investors.
For example, the Closed-End Fund Association has a tool for sorting and screening more than closed-end funds. com offers real-time market data on bond trading action and prices. Screen the tax-free bond universe for top yields with the Electronic Municipal Market Access EMMA system.
And, get monthly updates by sector such as the High Yield and Mortgage Market updates from TCW. The less you pay in investing fees, the more you have to actually invest—and grow with the magic of compounding.
So it really pays to focus on trading commission-free exchange-traded funds. Most online brokers offer a host of commission-free ETFs, and Vanguard offers the most with roughly 1, funds, including names from iShares and State Street. In the last few months, a slew of the major online brokerages started offering commission-free trading on all stocks, ETFs and options technically, the options have a separate small fee, but it still greatly reduced the cost on them.
Among the big players doing so are Vanguard and Fidelity. You can score everything from small tubes of toothpaste, bottles of shampoo, mouthwash and deodorant to books, magazines, food and clothing.
One of the easiest ways to find free samples and products is to visit blogs and websites that cull freebie offers from a variety of sources, such as I Love Free Things and FreeSamples. Beware offers that require you to pay for shipping. Signing up for rewards programs is another easy way to get free samples delivered to your door.
And follow your favorite brands, companies or retailers on Facebook and Twitter to hear about freebies first-hand. Caring for Fido can be expensive, but there are plenty of free goods and services dog owners should take advantage of to save money.
Additionally, some restaurants offer free treats to dogs during happy hour. For more, see Freebies for Your Dog. Visit EyeCareAmerica. org for program guidelines and to see if you qualify. Among the benefits that are fully covered: screenings for high blood pressure, mammograms for women older than 40 and routine vaccinations for children, as well as a long list of other tests and services.
See the preventive-care page at Healthcare. gov for a full list of these preventive services and eligibility requirements. Several supermarket pharmacies offer free prescriptions.
For example, Meijer pharmacies offer free generic antibiotics, prenatal vitamins, and more. At PriceChopper, you can access free diabetes medication and supplies including a blood glucose monitoring device through the store's Diabetes AdvantEdge Plan.
And Publix's Free Medication Program offers both select antibiotics and diabetes medication Metformin , as well as Amlodipine and Lisinopril for high blood pressure, at no cost. You might need to enroll in a pharmacy loyalty program to receive the free drugs. Also: check with your supermarket pharmacy to see if they offer free prescription meds or supplies.
Pharmaceutical companies also offer free and low-cost drugs to low-income people without prescription-drug insurance. You can use the RxAssist database to find free medication through drug companies' patient assistance programs.
Need help sticking to a diet and exercise plan? Turn to apps such as MyFitnessPal. While these apps offer premium subscriptions, they all have free versions for Apple and Android phones. You might also get free diet and fitness help from your employer; ask if your workplace has a wellness plan.
These programs may include free gym access, weight-loss support groups and smoking cessation programs. Some will even pay you for your progress. You may be able to find free fitness and wellness classes taught by experts in your area.
For instance, certain Lululemon Athletica stores offer free yoga classes weekly. Many communities also host free workouts in public parks, libraries or community centers.
Want to try meditation? Centers often offer free introductory classes. We also found free intro classes at Zen meditation centers in Houston, Des Moines, Cambridge, Mass. You can try surfing the web for free workouts, too. YouTube hosts a multitude of instructional videos for yoga, Pilates, Zumba and other fitness practices.
Our national parks boast beautiful scenery, and you can take in the sights without paying a dime at some, including the Great Smoky Mountains and Blue Ridge Parkway. Plus, on several days throughout the year, you can get in free to all national parks that usually charge admission.
Several state park systems—among them Maryland, New Hampshire, New York and Texas—offer older adults free admission or free annual passes. Some passes require a small processing fee.
Many top-notch museums, galleries and zoos offer free admission year-round , including the Smithsonian museums in Washington, D. Others, including the Museum of Modern Art in New York, let you in for free on certain days of the week or month.
Bank of America cardholders can gain free admission to more than museums on the first full weekend of every month. A great way to see performances for free is to volunteer as an usher at a local theater. Call the theater manager to find out how to sign up.
For example, the Kennedy Center in Washington, D. And for those of you outside the beltway, many of the concerts are viewable online. Communities across the country have free lunchtime and evening concerts in the park during summer months. Check the websites of your local government or downtown development district for details.
Get an up-close look at your favorite baseball and football teams in action during spring training for Major League Baseball and summer training camps for the National Football League In most cases, you still have to buy tickets, but the games are far less expensive than during the regular season and the stadiums are more intimate.
And your chances for getting up close and personal with star players are far greater in the preseason. You can watch Olympic athletes train in Park City, Utah, Colorado Springs, Colo. Betting on Sports? You May Owe the IRS. org, or check with your local fish and wildlife agency for details. Many locales let kids fish for free year-round.
The age cutoff varies by state but is usually in the teens. Want to learn something new in your spare time? Many local retailers offer free workshops. Apple, Home Depot, A. Moore and Michaels stores also offer free classes for adults and kids. Check your local library, too. Or check out a book or DVD on a topic that interests you, such as origami, pilates or international cooking.
Cable and streaming-content subscriptions can add up. Watch free movies and TV series online at SonyCrackle. You can also test out Hulu. New Strategies to Cut the Cable Cord.
At Gutenberg. You can also search for free e-books at Amazon. com, BarnesandNoble. com and iTunes. If you have a Kindle or the free Kindle reading app, you can swap e-books with your friends for as long as 14 days per book.
If listening to stories is more your speed, download free audiobooks legally from Digitalbook and Loyal Books. Both sites also offer free ebooks. The sites offer up classic books with expired copyrights, including works from Jane Austen, Edgar Allen Poe, Ayn Rand and other renowned authors.
Get your groove on with music streaming services , such as Pandora, iHeartRadio and Spotify. All three offer free versions, as well as premium subscriptions. You can listen online or install their handy apps for on-the-go access. For example, Berea College, in Berea, Ky.
College of the Ozarks in Missouri also requires students to participate in a work program rather than pay tuition. The City College of San Francisco recently started offering free tuition for city residents.
Typically, employers that help employees pay for grad school require that they maintain a certain grade level and remain employed with the company for a period of time after completing a degree program. Best Ways to Pay for Grad School. And more-seasoned knowledge-seekers can even enjoy free courses offline.
Many accredited, degree-granting institutions offer tuition waivers for older adults to earn credit or audit classes. Indeed, we found free or cheap college for retirees in all 50 states. Several states have laws requiring state-supported institutes of higher learning to waive tuition for older residents usually age 60 or 65 and older.
For example several Kentucky institutions, including the University of Kentucky and University of Louisville, waive the tuition and fees for anyone 65 or older.
Free or Cheap College for Retirees in All 50 States. Brush up on your computer skills at your public library, which may offer a variety of free computer and technology classes.
Some common courses include Internet and email basics, spreadsheet and word processing, digital photography and image editing and family history research. Note that some websites also charge money for premium classes, but all have extensive libraries of courses for free.
Whether you want to learn a new language to boost your résumé or prepare for a trip to a foreign country, you can take free lessons online. Go to Open Culture for a list of lessons around the Web.
Duolingo offers game-based lessons online and on their popular app in languages including Spanish, Welsh, Hebrew and even Klingon.
Your public library may also offer courses or software to help you learn a few key phrases or even become proficient in another language. Stop by a One Stop Career Center a service provided by the U. Department of Labor in your area. Trained staff can help you with résumé writing, interviewing skills and online job searching techniques.
The centers also offer job training programs, or they can arrange on-the-job training and apprenticeships with local employers. Battling Age Bias When Job Hunting. Shameless plug time: The actionable, straightforward guidance found all over Kiplinger. com and our social-media platforms is indeed free and can even help put more money in your pockets.
Learn how to cut your tax bill, maximize returns on your investments, save more for retirement, stop insurance leaks, get the best banking and credit deals, and so much more. Sign up for our free Kiplinger Today email alerts to get our best tips delivered straight to your email every weekday.
You can also follow Kiplinger on Twitter and become our fan on Facebook to keep up with us on social media. Take a pass on paying capital-gains taxes by investing in a Roth IRA. Fortunately, there are a variety of freebies that can help keep down the costs of having a baby.
Cribbing off Finland, 10 U. states — including Alabama, California, and Virginia — have introduced a baby-box program that provides new parents with caretaking education and a safe sleep space for newborns literally just a nice cardboard box with some padding that comes filled with baby care essentials, all for free.
Residents of those states just need to view a series of short online videos about infant safety from Baby Box University and take an easy quiz.
Many companies also provide free samples of their baby products. Hit up their website or contact customer service. New Baby on the Way?
The 8 Financial Steps You Should Take to Prepare. Are your investments as diversified as you think they are?
Simply use Morningstar. Many online brokerages provide similar tools for their account holders, too. A free tool at Fidelity. com enables everyone, not just Fidelity customers, to estimate future retirement expenses and income.
It recommends appropriate investment strategies to generate steady income with or without using annuities and provide growth to keep pace with inflation. com are over. Now you can visit a number of websites to get your FICO or VantageScore credit score free.
And you can get at least one of your credit reports from the three major bureaus, updated on a weekly or monthly basis, whenever you want. On top of that, some sites will monitor your reports for suspicious activity and ping you via e-mail as soon as changes appear. The site is probably trying to sell you information that you can find free elsewhere.
At Credit. Credit Karma offers weekly updated free credit scores and reports from Equifax and TransUnion and will monitor your reports daily and notify you of any significant changes. Credit Sesame offers a free credit score from TransUnion and free monitoring. Also check with your bank or credit-card company—some provide FICO scores to their customers pro bono.
Even if you don't have a Discover card of your own, you can get your FICO score for free at Discover. Best Places to Check Your Credit Reports and Credit Scores for Free. Using your credit card may entitle you to some valuable freebies.
For example, most credit cards come with free rental-car insurance. Some will cover the cost of your vacation if you have to cancel your trip or reimburse you for luggage that is lost, stolen or damaged during flights purchased with eligible cards.
Other credit card perks include free extended warranties, free cell-phone replacement and free museum admission. Contact your card issuer to find out what perks you qualify for. You have to buy groceries and gas anyway; why not use those purchases to get a little more green in your wallet?
Sign up for one of the best rewards credit cards to get free money, gift certificates, airline miles or other perks. Of course, it's only free if you pay the balance in full each month without incurring interest charges. You can get even more free cash when you shop online by starting at rebate portal sites such as BeFrugal.
com, Ebates, and Extrabux. Your favorite snack shop or fast-food restaurant may have an annual freebie day. And some places offer freebies on certain holidays or special days, such as tax day, Mother's Day and Veterans Day.
Here's a list of what you might expect throughout the year:. Classic Restaurant Chains: Where Are They Now? Several ice cream—and frozen yogurt—shops offer freebies throughout the year. Some require you to join a club and sign up for e-mail alerts, but others simply give it away.
For , it's April 9. Run by so-called urban foragers, FallingFruit. org has an interactive map that shows where you can harvest your own fruit —as well as herbs, nuts and vegetables—from trees and plants that grow mostly on public lands. You can sort by location or fruit type.
You also can see reviews by other foragers and a street view image courtesy of Google. Visit KidsMealDeals. com to find restaurants where kids eat free. A number of eateries offer birthday freebies to customers who sign up for their e-mail lists or join their clubs.
Or at Ruby Tuesday, So Connected members can celebrate another trip around the sun with a free burger or garden bar entree. Traveling is expensive enough. You might know already that many hotels offer free breakfast, basic Wi-Fi, fitness facilities and parking.
But did you know you may be able to borrow bikes, enjoy happy hour or upgrade your room—also all for free? See 15 Things Hotels Give Away for Free for more information. Traveling with kids? You deserve even more freebies.
Also, watch for kids-fly-free, kids-cruise-free and kids-ski-free promotions, and ask the cruise or resort in advance about free supervised kid programs so you can have some much-needed grown-up time. For example, Hilton Honors members earn 10 points for each dollar spent on room rates and other eligible room charges.
There are other ways to score free hotel stays. Stash Hotel Rewards offers members who stay at more than participating inns, resorts and boutique hotels in cities the ability to earn points for free nights. And with the Hotels. com Welcome Rewards program, you can earn a free night after booking ten nights through the site.
Or get a hotel-branded credit card to earn points toward free stays every time you make a purchase. See Best Rewards Credit Cards for Your Wallet for more information.
Domestic airlines are stingy with giveaways. But some airlines still offer a few freebies for fliers. JetBlue gives you access to free TV, satellite radio and all-you-can-eat snacks. Enlist the help of Yapta.
Looking for free or inexpensive ways to improve your home? These 45 home improvement ideas will make your home look it's very best, with ideas ranging from Veterans, elderly, low-income and disabled homeowners benefit the most from programs offering free home repair and complimentary construction 9 Free Home Renovation Programs and Ideas · 1. HUD Title 1 Property Improvement Loan · 2. (k) Rehabilitation Mortgage Insurance Program · 3
Home improvement freebies - Craigslist Freebies is a great resource for finding all kinds of free stuff for your home, from kitchen sinks to printers to doors. But possibly Looking for free or inexpensive ways to improve your home? These 45 home improvement ideas will make your home look it's very best, with ideas ranging from Veterans, elderly, low-income and disabled homeowners benefit the most from programs offering free home repair and complimentary construction 9 Free Home Renovation Programs and Ideas · 1. HUD Title 1 Property Improvement Loan · 2. (k) Rehabilitation Mortgage Insurance Program · 3
This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
Our opinions are our own. Here is a list of our partners and here's how we make money. Hotel rooms. Movie tickets. What you may not realize is that there are ways to score almost anything without paying. Here are 11 things you can do to get free stuff.
Craigslist, Nextdoor and Facebook groups are great resources for free goods and services. You can find advertisements for a wide variety of things people want to give away, such as furniture, appliances, moving boxes and plants.
Look for free samples at stores. Request them online. You can get samples by mail from manufacturers like McCormick and Unilever, sometimes in exchange for testing or reviewing products. Sign up for rewards programs at your favorite businesses. Many restaurants, theaters and retailers give members special perks for their birthdays or based on how much they spend.
You could get free food, shipping, gift cards, merchandise, movie tickets and other freebies. Libraries provide plenty of free educational and entertainment resources besides books.
With a valid library card, you could get access to movies, music, games, audiobooks, classes, museums and more. Check with your library for details. You can earn gift cards, money and sweepstakes entries by answering questions on sites like Swagbucks and MyPoints.
Taking surveys is usually easy work, but time-consuming — and the payout can be low. See our survey site reviews to learn more.
Clean and organize your garage. Hang a pegboard to organize tools. Get your lawn and garden tools and supplies ready. Create a gallery wall using what you already have.
Group photos and art on the floor first find an arrangement you love before hanging them. Style your shelves! Lay books flat or between bookends, place decor on top of flat books, switch things out, display photos in frames.
Vary the height of objects and place in groups of 3 or 5. Add faux plants or real plants if you have access to natural light. Hang lights on your deck, patio or porch to create a cozy outdoor area. Switch out clothing for the new season.
Organize your gift wrapping supplies- wrapping paper, tape, ribbons, tags, and bow. My favorite way to do this is in shoe pockets on the back of my office door. Swap out throw pillows or cover with inexpensive pillow covers. Transform your front doorway with a new doormat.
Wash blankets and store until the fall. Check smoke and carbon monoxide detectors. Freshen the carpets with this toxin-free homemade carpet freshening powder. Plant a container garden to brighten up a room or outdoor space. Add a boot tray or shoe storage, some hooks for jackets and backpacks, smaller hooks for keys and a tray for mail.
Touch up paint on walls where needed. Learn how your comment data is processed. Free Tools, Accessories and Home-esque Prizes Home Fixated is about sharing the love and the tools! of Edwardsville, IL — Fastcap Crown Clips and MyGrip Free stuff , giveaways, freebies, swag.
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Home improvement freebies - Craigslist Freebies is a great resource for finding all kinds of free stuff for your home, from kitchen sinks to printers to doors. But possibly Looking for free or inexpensive ways to improve your home? These 45 home improvement ideas will make your home look it's very best, with ideas ranging from Veterans, elderly, low-income and disabled homeowners benefit the most from programs offering free home repair and complimentary construction 9 Free Home Renovation Programs and Ideas · 1. HUD Title 1 Property Improvement Loan · 2. (k) Rehabilitation Mortgage Insurance Program · 3
The developer provided this information and may update it over time. This app may share these data types with third parties Location, Personal info and 4 others. This app may collect these data types Location, Personal info and 5 others. Data is encrypted in transit.
You can request that data be deleted. watch Watch. laptop Chromebook. tv TV. It's worth the download, You can sign up for keyword alerts, set it and forget it if you're looking for a specific item I was looking for a birdbath, took a few months for the right one to appear in my notifications about one every couple weeks for that item , but it was awesome!
Did the same with a second item, now a year later I thought of a third on my wishlist I know I can't afford, but some people might toss to the curb rather than sell! Thanks for your review!
app if you have any questions. Have a wonderful day! GREAT and extremely useful concept! My home is nicely furnished with exceptional and tastefully chosen items off of this app. I like the alert when items are available in the area, but one downfall is that it needs to be more closely monitored.
Now, price is the prime motive for buyers. He's concentrating his efforts more on convincing reluctant sellers to lower their asking prices if they are serious about finding a buyer.
That's because, with many buyers putting little down and prices in some localities stagnant or even falling, buyers could wind up with very little home equity, which can violate the guidelines or rules some lenders live by.
The lenders prefer incentives, such as kitchen upgrades, that add value to the homes, and many builders are doing just that. Home sellers are trying to find creative ways to get buyers to sign on the dotted line. SAVE EMAIL PRINT REPRINT. More Real Estate Should I get a fixed- or adjustable-rate mortgage?
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Office samples for free services include the ability to borrow devices for Homw Vintage sample packs 30 days frdebies yours are undergoing Vintage sample packs, or trialing devices prior to making a purchase. Several state park systems—among them Maryland, New Hampshire, New York and Texas—offer older adults free admission or free annual passes. SampleHawk — Free Product Samples. Go to Favorites. Visit EyeCareAmerica.
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