The sun is shining on the real estate market one moment, and the next it looks like the clouds came out to rain on the parade. Across the country you’re seeing some price reductions. Mortgage rates have more than doubled from historic lows over the past 2 years, and it could be a whole new ball game.

In great markets its easy to sell. When the real estate market faces challenges, it’s not time to panic for sellers; it’s time to strategize.

In a good market you might get quicker sales, in a challenging market there might be less inventory meaning less competition for you (which is a good thing for sellers). It’s possible the market could stay solid with a lack of inventory, or drop when new inventory opens up (which would be great for buyers).

With an uncertain real estate market and uncertain economy, check your homes current cash offer (6 moves below).

1. Curious how much your home would sell for right now? Get an offer for your home online now (no real estate agent needed)

Are you ready to sell your home? Just curious to know what you can currently get for your home? Need to upgrade or downgrade? Maybe you just want to move.

Whatever the reason, did you know there’s a way you could receive a no obligation cash offer within 24 hours without any broker/agent, or any showings? And it might be a really great offer.

There is no obligation to sell and it’s completely free to check what your offer is: Offerpad could give you a competitive cash offer right now. Offerpad is a large real estate company that has bought and sold thousands of homes.

All you need to do is fill in a 3-minute questionnaire. Just answer some questions about your home and Offerpad will carefully evaluate your home with local market expertise.

If you choose to accept your offer, Offerpad will also provide you with free local moving to your next place. You can also pick your closing day, which could be in as little as 24 hours, or choose to extend your stay to live in your current home longer.

After you review your offer, if you don’t like it, you could choose to have Offerpad list your home instead (but again, there is no obligation to do so). They can even help with getting a new mortgage.

Find out what your home’s cash offer is right now.

2. Protect Your Family With An Extra $2,000,000

Life insurance is something we don’t like to think about, but the reality is the longer you wait to get it, the more expensive it becomes. It’s best to lock in a low rate when you’re young and healthy than when you’re older. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Life insurance is made fast, easy, and done online with Ethos, a company that lets you apply in minutes without leaving your couch (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Up to $2,000,000 in coverage.

You’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

3. Don’t Wait Any Longer To Get Your Financial Goals In Order, Start Right Now (This Is Not Just For Wealthy People)

There is no better time to plan for your financial dreams than right now. Maybe you want to retire easly, maybe you want to buy a house, a boat, save for your child’s education. Whatever the reason, failing to plan is like asking to fail.

A professional money manager/advisor could do wonders for your financial future, and getting a second opinion from a pro certainly doesn’t seem like it can hurt. A financial advisor could help you create long-term strategies for building wealth and managing risk, you just have to pull the trigger and start. They can help you pick investments, they can help you create a plan, maximize your Social Security, tax plan, protect your assets and offer you peace of mind by ensuring you’re on the right track.

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, WiserAdvisor is one of the best services for this. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.

The process only takes a couple minutes, and you’ll likely even be offered a free consultation. WiserAdvisor is an independent matching service that helps individuals find the best financial advisor for their unique needs. They have successfully helped over 100,000 individuals like you find their ideal financial advisor since 1998.

The best advisors will work with you, as a partner, to make a game plan that puts you on track to achieve your financial goals.

This has the potential to be hugely beneficial: Take a minute to fill out the short questionnaire now. Find out what advisors you’ll be matched with.

4. Try This Instead Of Using High Interest Credit Cards

Look, sometimes you need to use a credit card. But sometimes it’s like throwing cash down the drain because of high interest. If you own a home and need cash and don’t want to use crazy sky high interest credit cards or loans (we don’t blame you), you could use your home to take out a lower interest home equity loan instead. You could use the cash for virtually anything you want (like paying off debt, home improvements, or something else) and potentially save thousands of dollars in interest payments.

A home equity loan allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral you usually can get much better interest rates than other loans or using a credit card. You receive the money from a home equity loan as a lump sum, and you pay back the loan in monthly payments.

Instead of paying high credit card interest, you could take advantage of much lower rates using a home equity loan.

How to shop for the best deal? LendingTree is an online marketplace that will show you multiple lender options and how much cash you can get in under 2 minutes (just answer a few quick questions about your home and your results will apear). It has been finding top loan options for Americans for more than 20 years.

Check your rates right here.

5. Diversify Your Retirement Investments with Gold & Real Estate No Matter The Income Level

Not planning for the future could literally be asking to fail. And nowadays there’s no excuse not to plan ahead with the internet making it easier than ever.

Gold and real estate are some of the best ways to diversify a portfolio, but so many people are missing out because traditional retirements accounts only let someone invest in stocks and bond. Also people make the mistake of thinking they need huge sums of money to invest in these assets. With a self directed Equity Trust IRA (IRA stands for Individual retirement account) anyone can now set up a retirement account that allows them to invest in gold, real estate, and more.

Equity Trust has been in business for more than 45 years, and has over $39 billion in retirement assets under custody and administration. They have over 400 client-focused associates that are there to provide dedicated, personalized service whenever someone needs it.

Simply start by requesting your free self-directed IRA success kit from Equity Trust, it contains useful information. Then (or whenever you’re ready), set up a free no obligation phone call with one of the Equity Trust associates that can help you set up your Equity Trust IRA account if you choose to do so.

6. Help Protect Your Dog Or Cat With Pet Insurance

We love our dogs and cats and want the best for them. We know that talking care of them can be expensive, and vet bills can add to that expense. Did you know that insurance company Lemonade now offers pet insurance for cats and dogs?

Lemonade offers a digital experience that allows users to get coverage in seconds and have their claims approved in minutes. Lemonade has a 4.9 star rating out of 5 stars in the App Store. The company also offers multiple discounts for policyholders, including a 10% bundle discount, 5% multi-pet discount, and a 5% discount for paying annually.

Coverage includes: wellness exams, diagnostics, procedures, medication, vaccines, blood tests, heartworm test, routine dental cleaning, fecal or internal parasite test, and flea/tick or heartworm medication.

Things like your pet’s age and breed (among other things) can affect the cost of pet insurance. Get a free pet insurance quote for your cat or dog now.