Dear Penny: How Do I Stop an Eviction When My Landlord Is My Mom?

Dear Penny,
Robin Hartilll is a certified financial planner and a senior writer at The Penny Hoarder. Send your tricky money questions to [email protected].
Not caring to interact with her alter-ego, I haven’t tried to talk with my mom about this. She is normally loving and supportive, but I’m afraid she will transform into the “landlady” and kick me out, or possibly sue me for the rent and late fees I already owe. 
I’m guessing that your mom isn’t actually going to evict you. The landlady routine sounds like her way of teaching you an adulting lesson while having a little fun with it. You may find it annoying, but I hope you’ll learn from it. Ignoring bills won’t make them go away. Consider yourself fortunate to have learned that lesson from your mom, rather than a real-life landlord.
Dear Regrets,
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So talk to her instead. Say that you’re serious about wanting to contribute. Tell her you have some money for her, albeit not as much as she’d like, and you’re hoping that will show your commitment to helping out. I think the mom in her will respond positively if you embrace responsibility. And doing so makes you a much more appealing tenant if she’s determined to maintain the landlady schtick.

If you’re able to work out a lower rent, commit to paying it on the same day each month. Don’t make your mom ask for it. Landlords hate having to chase down tenants for rent.
Not wanting to freeload, I suggested that my mom charge me rent. She seemed surprised, and said she’d get back to me on that. 
Should I pass my mom a note explaining that I love her but I don’t like her alter-ego. I’d tell her that I can’t afford the rate she is trying to charge me, I would have trouble finding another place to live, and I regret ever mentioning rent. Anything else I should include?
I explained that the rate was more than I could afford. She told me I could either pay it or find somewhere else to live. I decided to forget about rent and hope my mom would also. However, I have now received notices of late rent and eviction. 


Money would be a fine thing to include if you write a letter. Maybe you can’t afford the full amount your mom wants you to pay. But giving her some cash for your living expenses would show that you’re serious about carrying your weight.
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Source: thepennyhoarder.com
-Rent Regrets
Try making a budget that includes a contribution for household expenses, plus a monthly savings goal so you can eventually get your own place. Since you can’t afford your mom’s rental rate, think about ways that you could make her life easier. For example, maybe she’d agree to a lower rate if you could take care of making dinner, cleaning or mowing the lawn.
Sometime later, she appeared in a rather formal outfit, and said she was now my landlady. She spelled out my rental rate and terms; it was higher than I had planned on, but she conveyed such an air of authority that I didn’t argue. Later, when she was back to her normal self, I told her the rate was too high. She stepped out and returned as the “landlady,” and asked what the problem was. 

Regardless of whether you have a face-to-face conversation or write a letter, I think your message is off.

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What is Cold Brew Coffee and Why You Ought to Know

“Hot coffee takes too long to drink and there are so many ways it can go wrong. Cold brew is more consistent and I can drink it right away,” said Susan O’Neil, a project coordinator for the city of Chicago. “I drink 20 to 40 ounces a day since I stopped drinking soda.”
The charm of cold brew is the absence of acid. Not only does cold brew have a smoother feel while you drink it, no acid means it is less bitter and the other natural flavors are more pronounced.  Cold brew also allows added flavors to really shine. Some coffee drinkers might find cold brew bland without the complexity of the acid.
With the majority of commercial cold brew sold in plastic containers, why add more plastic to the environment? Reduce waste and get better taste when you make cold brew coffee at home. 
Cost: 0 to 0 a year (including equipment)

Pro Tip
You can make your own cold brew in ways that fit every budget. Go all out and buy an excellent coffee bean grinder, water filter, French press pot, and high-end coffee beans. This equipment could set you back 0, even higher if you opt for top-shelf equipment.

What is Different about Cold Brew Coffee Anyway?

“We use a specific coffee for our cold brew (Vesuvio blend from Batdorf auf Bronson),” says Teresa Vidal Chalkley, owner of The Chelsea St. Pete, a coffeehouse that opened in the middle of the pandemic in St. Petersburg, Florida. “There is a pound of coffee to a gallon of nice spring water, with a little bit of minerals in it. Then we filter it with bamboo and cloth filters.”
The Penny Hoarder contributor JoEllen Schilke writes on lifestyle and culture topics. She is the former owner of a coffee shop in St.Petersburg, Florida, and has hosted an arts show on WMNF community radio for nearly 30 years.
Chalkley uses a pound of coffee in a gallon to make cold brew concentrate. You can play with the ratio for a taste you like. Cold brew can last up to two weeks refrigerated without losing any flavor. Don’t want to make a concentrate? Use 3 ounces, or about two and a half scoops, to a quart of water.
Source: thepennyhoarder.com
Iced coffee is hot coffee cooled down. It might have been brewed hours before, and then refrigerated, or poured over ice to serve. Since it was hot brewed, all of the oils and acids in the coffee beans are extracted and end up in the brew.

How is Cold Brew Coffee Different from Iced Coffee?

There are numerous appliances made specifically for cold brew coffee. The Toddy (named so by Todd Simpson, who first popularized cold brew coffee in the US in the 1960s.) starts around . Similar systems like the Primula Burke come with bottoms that unscrew, so it is easier to dump the coffee grounds.
Cold brew is more expensive to buy at a coffeehouse because it requires more attention. Calculating the right amount to make for the next day without running out too early requires trial and error.
Buying cold brew every day can end up costing more than ,400 a year. If you like drinking cold coffee and are decent at planning ahead, make a cold brew concentrate at home and save 50 percent or more.

Check out our tips on how to get a good cup of Joe at home and save money on coffee. Tip No. 1: Grind the beans yourself.

Make Cold Brew at Home

What is cold brew? It is deceptively simple. Cold brew is coffee made from water and ground coffee. Instead of brewing it hot, a concentrate is made by steeping the grounds in water for 8 or more hours. Then it is filtered and ready to thin with water or milk, and enjoyed hot or cold. Coffee shops often use a 1:4 ratio of concentrate to water.
Does cold brew coffee have more caffeine? Depends on who you ask. Coffee retailers claim it does, but drilling into the details often shows that they are referring to the cold brew concentrate, which gets further diluted for the drink.
Get creative with your cold brew concentrate! Add a cinnamon stick, chili pepper, or other flavoring to the water part while it steeps.

This illustration shows a cold brew coffee and how to make it.
Getty Images

Three Scenarios for Cold Brew at Home

If you need your cold brew NOW, look for the Cuisinart cold brew coffee maker which promises cold brew coffee in 25 to 40 minutes by shaking the coffee grounds. Retail price is about 0 but you can find it for sale online for about half price at Amazon and other retailers.
Add hot water to your cold brew concentrate for a smooth hot drink with a 1:3 ratio of concentrate to water.

(Almost) No Budget

Once enough time has passed, put a coffee filter in the sieve and place over a wide-mouthed glass or jar. Slowly let the coffee filter through (squeeze gently if it is taking too long). Taste and add more water if it is too strong.
What is cold brew coffee? Is it really that different from iced coffee? How do people get so hooked on it? Sometimes it just takes that first Starbucks cold brew, and they are all in. It’s that good.
Experts recommend against using expensive coffee beans for cold brew coffee. This isn’t the time to break out the Kona. However, using decent coffee beans only makes your morning coffee better.
Cost: 8 for coffee and filters for a year.

Medium Budget

Decaf coffee drinkers need not despair — you can make cold brew with decaffeinated coffee beans. It is much better tasting than the aged hot decaf coffee poured over ice that you usually end up getting from a shop.
Use coarsely ground coffee beans (most grocery stores have grinders there). Put your coffee in the jar, add the water, and shake it up well. You can either refrigerate it or leave it out. Let it steep for at least eight hours.
Hot brewed coffee grounds have more of everything extracted because of the heat: flavors, acid and caffeine. Cold brew doesn’t extract as much as all of these because the ratio of coffee to water is higher. People drink larger servings of cold brew than hot coffee.
When using a French press, first put the coffee grounds in a jar and shake it up really well. Then pour it into the French press. It is less messy.
Cost: ,020 for a year (not much less than buying at a coffee shop).

Money is No Object

We are going to give you three scenarios to fit your budget so you can make cold brew coffee at home. There’s a system for every budget and taste. Once you know how to do it, you can create your own recipes.
You don’t need to use cold water. Room temperature water is fine. Using filtered water is better.
Filtering the coffee is the least fun part of making cold brew coffee. Using a French press eliminates most of the angst. The French press not only makes it easy to clean up the coffee grounds, but you can make a cold brew concentrate that will last several days. A French press can cost to . Make sure you buy one that holds at least 20 ounces.

A man makes cold brew coffee in this illustration.
Getty Images

5 Tips for Making Cold Brew Coffee at Home

  1. Before you splurge on a 0 Fellow Clara French press, for example, look around your house and see if you have a pint or larger Mason jar, some coffee filters, ground coffee and water. That will do to start.
  2. Let the mixture sit uncovered for a few minutes so naturally occurring gasses can escape.
  3. Sales have more than tripled since 2015, with sales expected to reach almost 2 million this year, and almost a billion dollars in 2025. That’s a lot of coffee, the going price for a 20-ounce cup at Starbucks. A 40-ounce container of Stok’s cold brew coffee costs almost at the grocery store.
  4. The absolutely least expensive way to make cold brew uses stuff you have around the house. No need for a cold brew maker. You’ll need a lidded jar (ideally a Mason or spaghetti sauce jar cleaned well), coffee filters, a sieve, ground coffee, and of course water. The basic cold brew ratio is 1:4, or 1 part coffee to 4 parts water. It isn’t necessary to use cold water, but filtered water is good.
  5. Grinding your beans freshly for each batch of cold brew coffee will result in brighter and tastier coffee. Coffee grinders cost from to hundreds. Using filtered water also helps make a more delicious cup.

Smooth and less bitter than drip coffee and iced coffee, cold brew is one of the fastest growing industries in the United States.
“Coffee tastes better at coffee shops like ours because we have better equipment,” says Chalkley of The Chelsea St. Pete. You also can have a superior cold brew system at home with Toddy’s Pro Series for 0.

Go Stress Free with These 10 No-Cost Strategies

“Be in the present moment,” Holzworth said. “Life is a gift and it should be treated like that and honored.”
How can your commute reduce stress? Here are two ways:
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That can be the sight of a beautiful sunrise or sunset, the smell of flowers, the sound of the ocean or the taste of something yummy.

1. Cultivate Gratitude for Mental Health

Finding simple ways to focus on the positive is a form of stress relief that will “make your heart happy,” Holzworth said. “It has a physical and psychological effect on your whole being.”
It’s all about bringing yourself back “to something more pleasant rather than something irritating,” Fike said.
Both suggest looking for brief moments throughout your day when you could incorporate mindfulness. The warmth of towels when they come out of the dryer. The sensation of warm water covering you in the shower. Even the rewarding repetition of folding clothes.
With everything going on around us that is worrisome, be it personal or on a larger societal scale, it is important to remember the good things.

2. Live in the Moment Through Mindfulness

That means that to live a stress-free life we all need more parasympathetic responses in our lives, or moments when we are rested, rejuvenated, relaxed and restored.
“It’s just taking a break to focus on something that you normally wouldn’t do.”
You can meditate anywhere your feet are, Fike said, such as moving from the couch to the bathroom.
There are also walking meditations and meditations around simple tasks you routinely do.

3. Work Mindful Micropractices Into Your Life

You need to breathe to live, but breath can reduce and relieve stress, too.
Your blood pressure and stress hormones will thank you if you just put the phone down for a while.
We talked to two wellness experts from Miraval Arizona Resort and Spa in Tucson, Arizona, about simple things you can do each day to relieve stress and improve your mental health. Staying mindful and balanced, living in the moment, and avoiding triggers are just some of the techniques they suggested.

  • Notice the aroma of the coffee grounds.
  • Hear the sound of the fresh coffee being poured into your cup.
  •  Feel the warmth on your hands as you hold the cup.
  • Breathe in the steam and aroma of the fresh brew as you bring it to your lips.
  • Enjoy the taste and the warmth of the coffee in your mouth and throat.

“It’s really about opening yourself to the small things like the taste of your coffee. It’s not just about the big things, it’s the little things that bring us comfort and joy,” Holzworth said. “(It could be) the touch of your cat’s fur, the sound of his purr.”
First of all, because we noticed it. “That’s a mindfulness moment,” Holzworth said.
Both Fike and Holzworth said trying to be stress-free isn’t about changing behaviors or adding all kinds of things into your already busy day. It’s about incorporating things you already do to help reduce stress.
If you think that a stress-free life means upending the way you exist, you’ll just get overwhelmed. If you think that a stress-free life means upending the way you exist, you’ll just get overwhelmed.  Get used to looking for self-created stress triggers.
Holzworth explained that there is a sympathetic and parasympathetic part of the nervous system. Both control the involuntary functions of your body. The sympathetic nervous system helps your body handle stress — think “fight or flight” reflexes. The parasympathetic system controls your bodily functions when at rest — think “rest and digest.”

A man in his bathrobe stands on a commuter train while sipping coffee from a coffee mug.
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4. Embrace the Commute

That short period of mindfulness can bring you back into control and relieve stress. And it can be adapted to any simple activity.
You can go to an expensive wellness retreat to get peace of mind. Or you can use some tips from relaxation experts to bring the peace home. There’s no need to spend money in pursuit of a stress-free life.

  • Listen to something you enjoy to help make the drive less stressful.
  • When stopped at a stoplight or stop sign, take a look around. Notice things you might not have seen before, like a store, restaurant, or even a pretty tree. “Some people pretend that Buddha is winking at them when they get a red light,” Fike said.

“Anything can be done mindfully,” Fike said.
“What you’re focusing on is how your feet are moving, how your feet feel as they connect to the ground, how your bones, tendons and muscles all work in symphony with each other as you put one foot down and lift the other one up.

5. Pay Attention to Your Senses

Meditation means different things to different people. Fike said she didn’t connect to silent meditation at first, so she embraced guided meditations for help with stress reduction.
Ready to stop worrying about money?
Laughter is a break from the part of your brain that is analyzing and planning, she said. It’s a way to engage the part of your brain that is intuition, creativity, insight. “When we giggle, we let our guard down a little bit. It’s a complete relief. Laughter is great for our health.”

6. Relieve Stress with Laughter

You can turn this simple morning routine into a mindful micropractice, Fike said, by “really taking a moment to focus on feeling a sense of gratitude instead of a mindless routine that we all get into.”
Many apps and YouTube videos exist to teach you the basics, guide you through short meditations and offer other meditation exercises.
Remember the physical things you might otherwise take for granted: Your heart is beating and your legs allow you to walk, for instance. The same is true for your surroundings: Your toilet flushes and you have running water. These are things to be thankful for, too.
Fike said that even your commute to work, school, or wherever you’re going can be a time for mindfulness instead of craziness.
So doing little things to stay in the moment can help mental health and relieve stress levels.

7. Breathe to Relieve

Source: thepennyhoarder.com
That’s where your breath comes in.
Little things can bring us comfort and joy — if we pay attention to them. Both practitioners encouraged what they call “micropractices of mindfulness,” or the practice of being mindful about the things we do every day.
Tiffani Sherman is a Florida-based freelance reporter with more than 25 years of experience writing about finance, health, travel and other topics.
Next, because we usually giggle, too. “Even us giggling is a mindfulness moment.”
“Anything engaging your senses is going to increase mindfulness and bring you into the present moment,” Holzworth said.

8. Find Your Own Way to Meditate

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“It’s really just about bringing more consciousness to your existence and how you interact, not only with yourself, but the rest of the world,” Holzworth said.
And guess what? It’s not about adding anything to your do list. “It’s just about bringing your full presence to whatever you do, wherever you are, and however you’re feeling,” Holzworth said.
As you’re trying them out, Fike said, it is important to find a voice that resonates with you and that you like listening to. If you don’t like the voice, you won’t pay attention to what they’re saying.
Jess Holzworth is a spiritual life coach and yoga, meditation, and breathwork instructor. Carolyn Fike teaches practical meditation and how to incorporate the seven chakras into the practice.
Why does the sound of a baby giggling instantly make us happy?
Mindfulness is being conscious and aware of surroundings to move as close to being stress free as possible. Thinking about everything you have to do and how little time you have to do it doesn’t accomplish much except cause stress and maybe raise your blood pressure. The same is true for obsessing about the past, which is something you can’t change.
“Sprinkling a few seconds of full presence throughout your day is gradually going to help you increase your capacity to feel more of your feelings and consequently feel more alive.”
Fike recommends not letting your devices beckon you, especially when you’re having a conversation with someone else. Most things do not need an immediate response.

A mom plays with her children as they put boxes over their heads while being silly.
Getty Images

9. Detox From Your Electronics

Fike uses her own mindfulness and meditation practices as an example. These practices can show how life literally slows down and you can combat stress.
“When we get into a negative headspace, it makes our world feel small. But when you’re in a headspace of gratitude, it gives you a feeling of interconnectedness, which is a strong human emotion,” Holzworth said.
Think of these moments as reminders. “A reminder of impermanence, a reminder to be mindful, a reminder not to take the red light personally. They are all reminders to slow down.”

10. Don’t Stress About De-stressing

“How many times do you literally inhale your food? Instead, slow down and chew it. When you chew your food thoroughly and mindfully, it’s amazing how different it tastes,” Fike said. “When you’re eating anyway, why not do it mindfully?”
So what does that really mean? Both suggested coffee as an example, one thing many of us use to begin our day.
“Unfortunately, I’d say the majority of our population, and especially right now, is living sympathetic-dominant,” Holzworth said. “These people are existing in this world of fight or flight response in a state of stress.”
“Your breath is a master regulator. Taking a few deep breaths is going to stimulate your vagus nerve and send a signal to your brain that says relax and calm down,” she said. “Just close your eyes and take a few deep breaths, and I guarantee everybody who does that is going to feel better.”
Mindfulness and meditation go together, but are not the same. Simplified, mindfulness is being aware, and can fit into many parts of your day. Meditation is often an activity for a certain period of time.
Phones and other electronic devices are our constant companions, but putting them down for even a few minutes can be a way to focus on the present and remove potentially stressful triggers. <!–

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Here are their 10 ways to cultivate a stress-free life without spending a dime.

4 Affordable Telemedicine Options Even Without Insurance

Teladoc is another telemedicine platform that offers anytime access to doctors and mental health professionals via phone, video or app.
Amwell hosts a wide range of medical professionals, including general physicians, specialists and mental health care providers, all of whom you can connect with 24/7. You can access services like nutrition counseling and pediatrics and breastfeeding support. You can even chat with a licensed psychiatrist.

4 Affordable Telemedicine Options

Although lower prices may be available for patients with insurance, self-pay patients benefit from transparent pricing and can expect to pay the following prices:

1. Amwell

It might be difficult to address major medical concerns via telemedicine. Still, they might help put your mind at ease or take care of other problems.
While your costs may be reduced if you have qualifying insurance, uninsured patients will pay  for a general medical visit.

2. Teladoc

MDLive has doctors on call 24 hours a day. They offer urgent care visits as well as dermatologists, counselors, psychiatrists and pediatric specialists.
Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com.

3. Doctor on Demand

Along with these telemedicine platforms, it’s also a good idea to reach out to your primary care physician about remote options. Many practices are beginning to offer telephone and video consultations, although costs may vary, especially if you’re uninsured and visiting a private practice.
A doctor’s waiting room is a great place to encounter someone with a bug you don’t want. But you can actually avoid stepping into one when you need care. Fortunately, there are a number of great telemedicine options that offer comprehensive online services.

  • $75 for a 15-minute consultation with a medical doctor
  • $129 for a 25-minute consultation with a psychologist
  • $179 for a 50-minute consultation with a psychologist
  • $229 for a 45-minute consultation with a psychiatrist
  • $129 for a 15-minute follow-up with a psychiatrist

4. MDLive

MDLive lists the maximum prices — depending on your coverage — for the following services:
Source: thepennyhoarder.com

  • Urgent care: $82
  • Behavioral health therapy: $108
  • Psychiatry: $284
  • Dermatology: $95

Telemedicine is also often more affordable than in-person treatment, especially if you don’t have health insurance.

Founded in 2012, Doctor on Demand is one of the original names in telemedicine, offering consults with medical doctors as well as licensed therapists and psychiatrists.
Costs vary depending on what kind of services you need, but they start at for a general urgent care visit. Your cost may be less if you have a qualifying insurance plan, and you can access care from your web browser or the company’s smartphone app, which is available for both Android and Apple devices.

Capital One QuickSilver Rewards for Students Credit Card Review

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Learn more about this card and find out how you can apply here.

The Capital One Quicksilver Rewards for Students card is a cash-back credit card designed specially for college students. An ideal spending aid for younger folks (and lifelong learners) with fair credit, it’s appropriate for anyone attending or planning to attend a four-year institution, community college, or other qualifying higher education institution.

Quicksilver Rewards for Students boasts a flat cash-back rate — unlimited 1.5% back on every purchase, every day — and no annual or foreign transaction fees. Capital One reports card utilization and payment activity to the three major credit reporting bureaus, giving Quicksilver Rewards for Students cardholders a golden opportunity to build credit over time with responsible use and timely payments.

Quicksilver Rewards for Students has much in common with the flagship Capital One Quicksilver Cash Rewards Credit Card, which has stricter credit standards. It also shares a brand with the Capital One QuicksilverOne Rewards Credit Card, which is marketed to general audiences (not just students) with fair or average credit.

Key Features

The Capital One Quicksilver Rewards for Students card has a straightforward cash back rewards program, relaxed underwriting requirements, and some other benefits worth writing home about.

Earning Cash-Back Rewards

The Capital One Quicksilver Rewards for Students card earns 1.5% cash back on all eligible purchases, every day. There’s no limit to how much you can earn over time.

Redeeming Cash-Back Rewards

You can redeem your accumulated cash-back rewards for:

  • A general statement credit to your account balance
  • A targeted statement credit applied to specific past purchases
  • A paper check mailed to your address on file
  • Credit for eligible purchases made with PayPal
  • Gift cards offered by participating partner merchants

You can redeem in any amount and at any time.

Additional Card Benefits and Perks

The Capital One Quicksilver Rewards for Students card has some additional benefits worth noting:

  • Extended warranties on eligible purchases with existing manufacturers’ warranties
  • Complimentary travel accident insurance, subject to policy limits and exclusions
  • A card lock feature that protects your account from fraud
  • Randomly generated virtual card numbers that ensure you don’t have to give your real card number to random online merchants
  • Complimentary access to Capital One Shopping, a browser plugin that can help you find a lower price when you shop online
  • 24/7 complimentary concierge service when you shop, dine, or travel
  • 24/7 travel assistance and emergency cash advance service if your card is lost or stolen
  • Periodic free credit report alerts (for events such as an increase or decrease in your credit score) on your Experian or TransUnion credit report

These benefits may be subject to terms and limitations and are subject to change at Capital One’s discretion.

Important Fees

Quicksilver Rewards for Students does not charge an annual fee. There’s no fee for foreign transactions, including transactions made at overseas points of sale and online purchases made with merchants located outside the United States. See terms and conditions for information about balance transfer fees and cash advance fees.

Credit Required

The Capital One Quicksilver Rewards for Students card is appropriate for students and soon-to-be students with fair credit or better. It’s not suitable for students with poor credit or limited credit, nor new-to-credit students who don’t have credit scores.

This card offers modest credit lines for applicants. You may be able to apply for a credit line increase after demonstrating a record of timely payment and responsible card utilization.


Advantages

The Capital One Quicksilver Rewards for Students card has some key advantages over other student credit cards and entry-level cash-back cards. They include a straightforward and relatively generous rewards program, low card fees, and relaxed underwriting.

  1. Solid Rate of Return on All Eligible Purchases. The Capital One Quicksilver Rewards for Students card has a simple rewards scheme: a 1.5% cash-back rewards rate on all eligible purchases, every day, with no caps on earning potential or rotating bonus categories to worry about. This isn’t the most generous cash-back program around, but it’s above-average for a student credit card.
  2. No Foreign Transaction Fees or Annual Fee. Quicksilver Rewards for Students doesn’t charge an annual fee or foreignt transaction fees. These are key benefits for budget-conscious students who don’t want to pay to keep the card around and who plan to study abroad or shop with international merchants while in college.
  3. Open to Applicants With Less-Than-Perfect Credit. Quicksilver Rewards for Students is appropriate for applicants with fair credit scores. You don’t have to have perfect (or even good) credit to apply for this card.
  4. Nice Lineup of Fringe Benefits. Quicksilver Rewards for Students has some choice fringe benefits, including extended warranties on eligible purchases, basic protections for travelers, and fraud protection measures like a handy card lock feature. These might not be the deciding factor in your decision to apply for this card, they certainly don’t hurt.

Disadvantages

Although it’s one of the best credit cards for students, the Capital One Quicksilver Rewards for Students card is not perfect. Its disadvantages include a missing early spend bonus, no 0% APR introductory promotion on purchases or balance transfers, and no bonus cash-back categories.

  1. No Early Spend Bonus (Sign-Up Bonus). Capital One Quicksilver Rewards for Students does not offer an early spend bonus (also known as a sign-up bonus) for new cardholders. There’s no way to earn rewards above the flat-rate baseline during your first months here.
  2. No Introductory APR Promotion. You won’t find an intro APR promotion from Quicksilver Rewards for Students either. This is a drawback relative to some other Capital One credit cards, and certainly to other student credit cards that waive interest on purchases or balance transfers for new cardholders.
  3. No Way to Earn Cash Back Above the 1.5% Rate. You can’t earn rewards any faster than this card’s flat-rate 1.5% baseline rewards rate allows. That’s not a bad baseline for an entry-level student credit card, to be sure, but it’s also not up to the standards of premium cash-back credit cards that offer 5% back or more on eligible purchases.
  4. Not Appropriate for New-to-Credit Applicants. Quicksilver Rewards for Students does not require excellent or even good credit, but it does require some credit history. This is a drawback for applicants who don’t have any credit history to point to, including those who haven’t been able to build credit without a credit card and international students seeking a U.S.-based payment solution for the first time.

Final Word

The Capital One Quicksilver Rewards for Students card is one of the better student credit cards on the market right now. With a flat cash-back rate that’s right where an entry-level card’s should be, no annual fee, and a relaxed underwriting process, it has the potential to be a real asset for many college students.

Is Quicksilver Rewards for Students perfect? Far from it. It’s not suitable for applicants with bad credit scores or no credit scores at all, which excludes many young people who haven’t had a chance to build credit as minors and most international students as well.

And its fringe benefits aren’t specially designed with students in mind, as is the case for some more innovative cards in this niche. You won’t find a free or discounted subscription to Amazon Prime Student or rewards on purchases of streaming services here, for example.

Before deciding to apply for Quicksilver Rewards for Students, make sure it’s the best fit for your needs. After all, this is a card you hope will carry you through the next four years — or however long remains on your student journey.

Source: moneycrashers.com

7 Online Flea Markets Where You Can Find Deals on Treasures

In a battle of the Fleabays, the dot com version comes out on top. Flea-bay (notice the hyphen) is a solid online flea market that features a pared-down and slightly dated interface. But that doesn’t make it at all difficult to use.
Exercise good judgement, just as if you’re at a real flea market. Verifying sellers and vendors is a tough nut to crack for almost all online shops — even major corporations like Amazon. As best as possible, try to check who’s selling the item on any given listing before you make your purchase. Some flea market sites more than others make it easy to see the reputation of the seller. For sites that are locally-focused, the sellers are likely neighbors. But that doesn’t mean you shouldn’t stay vigilant.
Depending on the online store, it could be as easy as creating a listing and publishing it for the world to see. Other sites are more selective on who they let sell items, and the sign-up process might require you to provide lots of personal information to verify your identity. Shipping is something you should definitely factor in when you get started: some sites allow it — and may even cover the shipping costs, and some sites are only for local sales.

A New Way to Browse: Online Flea Markets

But everything is virtual these days. You turn to your laptop (or, let’s be real, your smartphone) for everything from takeout to taxi rides to a date for Friday night.
Fleabay’s listings feature little more than an item description, location, the seller’s information and an expiration date. Shipping or local pickup is arranged on a per-listing basis, and you reach out to the poster directly.
What’s great about Mercari is how easy it makes reviewing the seller. Click the seller’s name and, boom, you can see more details about them and quickly check out any reviews. Mercari also handles payments. So no worrying about forking over cash to strangers in person!

The Obvious Online Flea Markets

Yes, you can sell stuff online, and it’s an extremely popular way to make some extra cash. Almost every flea market website mentioned in this article allows everyday sellers and established vendors to sign up and start selling.

  • Amazon: A once humble bookselling website, Amazon has become an online marketplace so powerful that its astronomic growth sent its founder, Jeff Bezos, into space. Vendors big and small can sell new and used products on the site — including handmade goods — and they can appear on your doorstep in as little as one day.
  • Craigslist: Known for sending shivers down the spines of journalists due to upending newspaper revenues, the online classifieds site is an easy way to pawn off your tchotchkes to neighbors, find some hidden treasures yourself — and so much more. It’s all anonymous, though. So give out your personal deets sparingly, and always meet in a safe, public space!
  • eBay: This classic buy-and-sell site has been around for more than a quarter century. Although it bills itself primarily as an online auction site, it operates like most online flea market sites. Many of its listings are available for immediate sale — and it seems you can find just about anything you might desire.
  • Etsy: Sort of like eBay’s quiet, artsy little sister, Etsy specializes in handmade goodies, but it’s also a treasure trove for lovers of all things vintage. In fact, it has a whole category devoted to vintage items, and it’s well-organized enough that you can dive into niches as specific as bolo ties, fedoras and marbles.
  • Facebook Marketplace: Compared to the other geezer sites so far, Facebook Marketplace is very new. Launched in 2016, the online marketplace feature is built into regular ol’ Facebook, and you can buy or sell all kinds of stuff on Marketplace, including cars and campers. You can even find rental properties. Marketplace is locally focused, but it also supports shipping.

7 Online Flea Markets You Might Not Have Heard of Yet

Mercari touts a user-friendly experience whether you’re browsing on its websites or scrolling through listings with the smartphone app.
The site looks a bit dated. But, hey, it sells antiques. Maybe that’s an intentional part of its charm? It still functions just fine. The category’s sidebar makes browsing simple. And, before you click, it shows upfront how many listings are in any given category — a feature other virtual flea markets could learn from.
Each listing’s thumbnail specifies whether items are shippable or for local pickup only and also includes an asking price. The platform has built-in “buy now” and “haggle” options, and even an opportunity to “barter” with goods of your own.

1. Fleabay(.net)

Pros

  • Wide array of categories (even rentals and services!)
  • Each listing is “reviewed by a human”
  • Free stuff!

Cons

  • Clunky website
  • Pop-up ads
  • Few listings

Founded in 1995, The Internet Antique Shop (TIAS) is a bit of an antique itself. While it never took off quite like its buy-and-sell siblings eBay or Craigslist, TIAS has carved out a remarkable niche for all things antique.
A bit like a cross between Craigslist and eBay, Fleabay (a .net domain not to be confused with flea-bay.com!) lists items from all over the world — and includes categories as diverse as rental properties and ride shares. There’s even a free stuff section.
Technically, Nextdoor is a social media site for your community. And it takes that seriously. You actually need to input a valid address, which you will have to verify, to join your community group.
Still, it’s fun to browse when you’re trying to get a quick flea-market fix online.

2. Flea-bay(.com)

Pros

  • Easy to use and navigate
  • Has smartphone apps
  • Haggle friendly

Cons

  • Lots of empty categories
  • Very little information on seller
  • Listings may include very little information

There’s even a “Vintage” section under fashion so you can easily shop for those precious duds from another era.
And there’s also a wonderful category called “Everything Else,” with subsections like “Metaphysical” (which features “haunted” items) and “Weird Stuff” (We found cockroach earrings).
We’ll give you a hint: It’s not Walmart. At least, not our Walmart. (And if yours fits the bill… would you let us know where you live?)
This site is truly a gem. It’s one online flea market you don’t want to overlook. With subcategories like vintage sewing tools and breweriana (read: old signage, steins and more from classic breweries), TIAS really makes it feel like you’re about to stumble upon unique treasures with each click.

A man grows excited as he buys something online with his credit card.
Getty Images

3. vFlea

Pros

  • Easy to see if items are pickup only or shippable
  • Useful filters
  • Bartering and haggling allowed

Cons

  • Unencrypted website
  • PayPal account required for payments
  • Lots of old listings

Source: thepennyhoarder.com
Although Bonanza seeks to be the best eBay alternative, it doesn’t offer bidding or bartering options.
Where can you find antique Pez dispensers, hot vintage heels and (finally!) the perfect lamp to match your weirdly patterned bedspread — all on sale for just a few bucks?
You may notice that Srchie is included in just about every “top online flea market” article. (It was even included in an older version of this article.) However, the beloved website and its social media accounts have been abandoned since 2017. RIP Srchie. We’ll never forget all your great deals.

4. Bonanza

Pros

  • Sleek interface
  • Fun and quirky inventory
  • Active community forum and blog
  • Vets sellers to some extent

Cons

  • Can be tough to verify vendor reviews
  • No bidding

Finally, vFlea still has some weird stuff available, although it draws the line at community events. For instance, you’ll come across the occasional hilltop timeshare, which apparently can be shipped or picked up locally.
Like most online flea markets, items are organized by tags as well as categories, creating better searchability and organization. The site populates the number of listings currently available in each category in parentheses, so no mysteries there.
Compared to other online flea markets, vFlea feels the closest to actually thumbing through junk until you find a treasure — before leaning across the table to make a bid. The interface is also a touch more polished.
Here’s what we found out.

5. Nextdoor

Pros

  • Verified locals only
  • Popular option
  • Lots of easy-to-use filters to help you find the best bargains
  • Frequent listings for free stuff
  • Haggle friendly

Cons

  • Lengthy signup process
  • Smaller towns may not have any users
  • All purchases made offline

Similar to Craigslist, Flea-bay simply connects you with sellers. No transactions take place on the site, so haggle away!
So it’s no surprise there’s a whole world of online flea market shopping out there. And it’s just as quirky and addictive as the real thing — especially since you can see it all with just a few clicks.
The list of prohibited items includes wine, credit cards and “human parts and remains.” Used airbags are merely “questionable,” though.

6. Mercari

Pros

  • Pick-up and shipping options
  • Easy to review sellers
  • Tons of listings and categories
  • Haggling accepted
  • Very polished site and app

Cons

  • No niche — inventory fairly bland

Not only are regular flea markets wacky and wonderful, but their goods are usually pre-owned, pre-loved and dirt cheap. (Who wants to pay the full retail price?!) In short, they’re a Penny Hoarder’s dream.
The site has dozens of categories to browse, but most listings seem to be focused on electronics, clothes or accessories. Like many small online flea markets, it lacks the thousands — or even millions — of listings like some of the better-known online marketplaces.
There are tons of freshly listed items across a host of different categories. And if you live nearby the seller, you can opt for pickup. Otherwise shipping allows you to tap into a massive selection of goods.

7. The Internet Antique Shop (TIAS)

Pros

  • Inventory chock full of antique goodies
  • Simple browsing
  • Replicates the wonder of sifting through a quiet antique market
  • Still active after a quarter century
  • Verified vendors

Cons

  • Listings contain little info
  • Usually only one picture per listing

Generally speaking, yes, online flea markets are safe. As with any online purchases, guard your personal information. And if you need to make a transaction, be sure the website is encrypted. This sounds fancy, but it’s actually pretty easy to confirm. You can check by looking at the address bar of your browser: You should see “https” before the website’s name. The letter s in https means the website is secure. Many small or old websites ignore this crucial security feature.
It does, however, list categories for everything from home goods to collectibles, including coins and paper money.
Another great feature? “Finds,” Nextdoor’s very own local buy-and-sell section. You can browse listings to find deals across all kinds of categories. Toys, games, furniture, vehicles and much more! Its nifty filters make finding exactly what you want a breeze.

A collection of vintage things sit on a table.
Getty Images

Frequently Asked Questions (FAQs) About Online Flea Markets

No, it’s your favorite online flea market.

Are Online Flea Markets Safe?

Here’s everything else you should know about online flea markets.

Are the Sellers Legitimate?

The most frustrating thing? A number of the categories were empty of listings — but there’s no way to tell that without clicking through. There’s also no baked-in way to make an offer on an item; if you’re interested, you’ll have to fill in an online contact form.

Can You Make Money Selling on Online Flea Market Sites?

Jamie Cattanach (@jamiecattanach) is a freelance writer, and Adam Hardy (@hardyjournalism) is a freelance reporter and editor. Staff writer/editor Tiffany Wendeln Connors contributed to this post.
OK, we covered our basic-online-flea-market bases. On to the weird and wonderful ones. Half the fun of a traditional flea market is stumbling upon offbeat items and great deals you never would have found elsewhere.

What About the Online Flea Market Srchie?

Once you’re in, you can do all sorts of stuff. Gossip. Post community PSAs. Discover local events. (Our photo director uses Nextdoor to save money by polling neighbors for recommendations and hunting for deals from local businesses!)

The Penny Hoarder Shop is always stocked with great deals, including technology, subscriptions, courses, kitchenware and more. Check it out today!

Of course, a few online flea markets are industry giants you almost certainly already know about.
To replicate real flea market experience virtually, we checked out a variety of smaller online flea markets and compared inventory, prices and user experience to help you find the best deals at the digital folding table.