roommate Archives - Page 11 of 39

Apache is functioning normally

August 14, 2023 by Brett Tams

Inside: Are you moving into your first apartment? Planning a move can be daunting, but with this checklist, everything will be ready for your bed and bathroom you arrive. From a mattress, pots and towels to cleaning supplies and furniture, this list has it all. This is a huge deal!

Moving into your first apartment is an exciting time!

You’re finally out on your own, and you get to decorate and furnish your space however you want.

But before you can start shopping for all the cute home décor, there’s one very important task that needs to be taken care of first: creating a First Apartment Checklist.

This comprehensive checklist will ensure that you don’t forget any essential items when furnishing your new place. From kitchen supplies to bathroom necessities, we’ve got you covered.

So what are you waiting for? Let’s get started!

My First Apartment Mistakes

Moving into your first apartment indeed marks an exciting milestone in life.

However, it is also a moment of awakening when realizing that filling the apartment with all the necessities is not child’s play. My lesson learned the hard way.

It requires great planning and acute mindfulness of one’s budget. While the thrill of setting up your own place can easily lead to overspending, it’s important to keep the budget in check and be judicious about your purchases.

Here are some aspects to consider:

It’s easy to forget that there’s a huge list of big and small things you’ll still need to buy to fully equip your space. However, the keyword here is “need” and not “want”. I should have been better at differentiating between what is absolutely necessary for your immediate living situations and what can be procured later.
Define what you can spend right away by considering the moving costs and other related expenses. After setting the budget, the next most important step is to stick with it. You will be tempted to stretch your limit, but remember that financial restraint is key.
Moreover, remember that you don’t need to get everything right away, certain things can wait. Spend wisely, and stick to immediate needs. You might be surprised to find out that some items you thought were essential, in fact, can be comfortably lived without.

Your home is meant to give comfort, not financial stress.

The above statement is a lesson that stick with you for a long while. Keeping track of your expenses and making wise decisions can help establish your first apartment without breaking the bank.

Learn is $5000 enough to move out?

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Big Items for Your First Apartment Checklist

You’re finally out of your parents’ house and ready to start your own life. Congrats!

This is an important step when you want to move out at 18.

Moving into a new place is both exciting and daunting. To help you make sure you have everything you need for your new digs, we’ve put together a first apartment checklist of all the big items you’ll need to buy.

This is where to focus your money or look to find free items.

1. Mattress

Living in your first apartment?

Do not underestimate the importance of a good mattress.

It’s the foundation for quality sleep, which is crucial for your health and daily performance. Investing in one is non-negotiable even if budget is a constraint.

Personally, this. is the one item I would say to buy new! Thankfully you can find affordable mattresses now.

2. Bed Frame & Headboard

You may be tempted to skip the bed frame in your first apartment, but it’s a key piece that offers myriad benefits.

In full honesty, I didn’t get a headboard for my mattress until well after I was married. But, it was one small thing that made me happy.

Popular bed frame options vary in price from $60 for a simple metal frame to over $200 for wooden or upholstered models. Make sure to evaluate your needs and budget before buying.

3. Couch

Your first apartment is exciting, and the right couch can really set the tone. It’s not only a seating arrangement but also a place for relaxing, entertaining, and unleashing your personality.

When setting up your first apartment, you might be conflicted about whether to buy a new couch or look for a used one. Here are some factors to consider:

For those living by themselves:

A new couch can be a significant investment, but it is worth the cost if you value personal comfort, hygiene, and aesthetics.
Utilize discount stores to find quality furniture that is within your budget. A new couch often comes with warranties or protection plans that can give you peace of mind for any potential repairs or damages.
Investigate measurements and delivery options thoroughly to ensure your new couch comfortably fits your apartment layout.

If you are planning to live with a roommate:

You can consider getting a used couch. This is a great way to cut costs during a time when budgeting and saving money are important.
To make sure the couch you’re acquiring is clean and pest-free, buy or get it for free from trusted sources. Friends or family are often the best people to approach when looking for used furniture.
Look into garage sales or online platforms like Craigslist for options. However, always inspect the couch thoroughly before purchasing it from these sources.

Whether you choose new or used, ensure that the couch fulfills your needs.

4. End Tables and Lamps

End tables and lamps are essentials you need in your first apartment. They offer functionality along with a touch of class to your space.

There are many reasons why they should be on every first apartment checklist.

Versatility: Side tables can be used in various ways, from serving as a coffee holder, providing a place for books and magazines, or showcasing photo frames and indoor plants. It can also function as an extension of your workspace when you need to create an impromptu office setup.
Convenience: Having a side table next to your bed or sofa allows you to have important items within easy reach. This may include your phone charger, eyeglasses, or remote controls.
Decorative Value: Side tables contribute to the aesthetic appeal of your living space. They come in different styles, shapes, and designs that can complement various types of interior décor themes.

More than likely with lamps, you will notice where you need them the most after you move. So, it is okay to wait and buy them.

5. Dining Room Table

Your first apartment isn’t complete without a dining room table. It’s the multi-tasking hero of your living space, essential for meals, socializing, and possibly working or studying.

Finding the right dining room table for your apartment can be a fun and rewarding experience. However, it may be daunting for some, given the myriad of options available in the market.

Here’s a step-by-step guide to help you find your ideal fit:

Determine the Size Needed: The first step in finding the right dining room table is to measure the space it will occupy. Knowing the size helps narrow down the options and ensures a comfortable fit. Consider the number of people you plan on hosting on a regular basis – that should dictate the size of the table you need.
Consider the Shape: Dining tables come in various shapes, including square, rectangle, round, and oval. Identifying the shape that suits your space and lifestyle is crucial. Rectangular tables are the most common, but circular ones are great for maintaining an intimate dining experience, while an oval one can be a middle ground between a square and a round table.
Decide on Style: Whether you lean more towards a modern, contemporary, or rustic look, there are countless styles of dining tables to choose from. Ensure that the style of the table resonates with the rest of your home decor for a harmonious look.

Remember, choosing the right dining table is a balance of both form and function. Considering these aspects will surely help you find the dining room table that fits your lifestyle and space.

A good friend of mine had great luck finding a dining room table at a Restore resale shop. Something to definitely check out!

6. Kitchenware

Moving into your first apartment often comes with the challenge of equipping your kitchen efficiently.

To help guide you in making thoughtful purchases without breaking the bank, here are some important kitchen items you should consider investing in.

Basic Cooking Equipment: A Starter kitchen at the bare minimum requires at least two pots and a frying pan. These should be supplemented with necessary cooking utensils like a ladle, spatula, whisk, etc. You also need a high-quality knife set, at least one cutting board, and measuring cups and spoons to help you prepare and portion your meals accurately.
Food Storage & Serving Items: Get microwave-safe food storage containers to store leftovers efficiently. Additionally, invest in a good set of plates, bowls, glasses, and coffee mugs.
Countertop Appliances: While these can be a bit costly, consider getting a microwave, an InstantPot, and a coffee maker. These can vastly simplify and speed up your daily meal prep.

These are the basic items for a minimalistic kitchen.

7. Patio Furniture

Patio furniture can be an excellent cost-effective addition to your first apartment. Often overlooked, patio furniture can provide advantages for a first-time tenant:

Getting patio furniture as hand-me-downs or buying used ones can save you lots of expenses.

Plus patio furniture can be easily refurbished or painted to match your apartment’s interior design. You can showcase your creativity and add a personal touch without spending much.

8. Grill

One must-have in your first apartment is undoubtedly a grill. Nothing beats the flavor of a good grill and it’s perfect for friendly gatherings or quiet evenings.

Having a grill can add a sense of fun and adventure to your living situation. It allows for new culinary experiences and outdoor entertaining, especially during warmer months when you can have a delightful barbecue party in your yard or balcony.

Grilling can also act as a social catalyst. Whether it’s a relaxed summer evening cookout with neighbors or a gathering of friends for a sporting event, grilling can bring people together in a fun and casual way.

Thanks to websites like Craigslist, eBay, and Facebook Marketplace, second-hand grills in good condition are often available locally and at a much lower cost than brand-new grills.

9. Storage Items

Stepping into your first apartment, huh? The organization will be your closest ally.

Crisp and neat storage items can help you stay clutter-free and make your space feel like home.

This is something I would wait to buy until you are in your space and know what you need. There are so many storage ideas and organization items.

10. Decor

Making your first apartment feel like home is both exciting and challenging. Decor plays a crucial role, transforming an empty space into a cozy, personal refuge.

You want the decor to reflect your style, but the cost may be more than you can afford.

Enter thrift shopping for some of your favorite items.

You can always splurge on that one item you want!

How do I prepare for my first apartment?

Getting your first apartment can be incredibly thrilling, but let us guide you through a smooth transition.

Before making any purchases, it’s critical to create a budget that takes into account moving costs and other associated expenses.

Additionally, make a checklist of essential items to ensure a smooth move, but remember to prioritize immediate needs as some items may not be necessary initially.

Being prepared and methodical about your approach can help significantly in making your first apartment feel like home. It’s all about spending wisely and sticking to your plan.

First Apartment Checklist for Bedroom

Ready to move into your first apartment and need help setting up your bedroom?

This checklist will ensure you won’t miss any essentials.

Bed: Choose a full or queen-size bed to maximize space.
Mattress: Select the right firmness for your sleep style. Don’t forget a mattress pad and bedding.
Nightstand: You need this to place essentials like a reading lamp and a glass of water.
Dresser: An essential piece of furniture for your clothing storage.
Lamp: A softer lighting option for your bedroom. Don’t forget light bulbs!
Closet Organizers: Invest in baskets or cloth storage cubes for easy organization.
Desk and Chair: A small workspace if your room allows. Opt for a stool or folding chair to save money.

Remember every space is unique, tailor this list to your needs and budget.

First Apartment Checklist for Kitchen

As you embark on your solo living adventure, setting up your kitchen shouldn’t be a brain tease.

Here’s a lifesaver list of must-haves:

Remember, your kitchen is not just for cooking, but for hosting toasts and storing eats. Cheers to your new apartment kitchen!

First Apartment Checklist for Living Room

When setting up your first apartment living room, remember to shop for these essential items:

A Cool Lamp or Two: Lighting is crucial. Pick unique lamps that add both light and character to your space.
Side Tables: Grab a couple; these provide additional surfaces for decorations or mugs of tea.
Storage Solutions: Think TV cabinets or bookshelves where you can neatly store your belongings.
Extra Seating: More seats for more guests.
Window Treatments: Curtains or blinds not only offer privacy but can also tie a room together.
Decorative Pillows and Throw Blankets: For aesthetics and comfort.
Decor Items: This includes wall art, picture frames, coffee table books, houseplants, candles and vases. Make your space you.

Be smart in your selections, ensuring each item marries functionality with aesthetics. Holistic harmony is key in a living space.

Technology for Your First Apartment

In today’s digital era, modern apartments are nearly incomplete without a range of essential tech items.

These add convenience, entertainment, and a sense of security to your cozy abode.

Smart TV: This is essential for entertainment and relaxation. It can be a source of news, sports, movies, and shows that make your apartment a much more enjoyable living space.
Roku Stick: If you opt for a basic TV, then these devices enable you to stream content like Netflix, YouTube, and Hulu directly to your TV. This is much needed if you prefer digital streaming over traditional network channels.
Computer / Laptop: This is useful for work, learning, entertainment, and communications in the current digital era. It helps you stay connected to the world and perform various tasks easily.
Wifi Router: A Wi-Fi router is a must-have in this age as it provides an internet connection for all your devices. It enables you to stay connected to the world, shop from home, stream entertainment, or work remotely.
Chargers: Chargers for phones, laptops, and other electronics are essential. They keep your devices powered up and ready for use at any moment.
Speakers: They enhance your entertainment experience by providing high-quality sound for music, TV shows, and movies. They can also be useful for work or study, for instance when participating in video conferences or online courses.

Thankfully prices have dropped significantly on TVs since I bought my first one!

First Apartment Checklist for Bathroom

One key area to consider is your bathroom – it’s essential to have all the basis to make your daily routines smooth and simple. Here’s what you’ll need:

Cleaning Your First Apartment

Ready to take that first crucial clean sweep in your very first apartment? Here’s how you’ll nail it!

Start with unpacking your cleaning essentials, preferably even before you start arranging your furniture. This will make it easier to spot dust, stains, and dirty spots that are usually hidden.

Now, let’s dig into your basic apartment clean-up kit:

Honestly, these frugal green items are perfect to keep things clean and on budget.

Things you need for an apartment that you wouldn’t think of

Moving into your first apartment is an exciting milestone, but it’s also full of small details that are easy to overlook.

Some essential items might not make it on your moving checklist, leaving you scrambling on your first day in your new place.

Basic Handyman Tools: A Leatherman or small toolkit is essential for assembling furniture and making minor repairs.
Hangers: You’ll need more of these than you think for your wardrobe.
Extension cords and surge strips: You’ll need these to plug in all your electronics in spaces with limited outlets.
Drawer organizers: Helps keep your belongings categorized and easy to find. Especially important in small spaces where efficient storage is key.
Flashlight: You never know when a power outage may happen. A flashlight is a crucial tool for safety and navigation in the dark.
Batteries: Handy for various gadgets like remote controls, flashlights, and smoke detectors.
First aid kit: Accidents can happen anywhere, and having a first aid kit handy can make dealing with minor injuries easier and more efficient.
Light bulbs: Essential for maintaining good lighting in your apartment. You don’t want to be left in the dark when a bulb burns out.
Matches and/or lighters: Useful not only for candles and gas stoves but also a necessity in case of a power outage.
Pen and paper: Although we live in a digital age, pen, and paper are still handy for jotting down quick notes, lists, or reminders.
Fire Extinguisher: Better to be safe than sorry!
Carbon Monoxide Detector: Extremely important to have in your apartment
Duct Tape: It solves every DIY project – while almost any.
Security Cameras: It bums me out completely to add this to the list, but in today’s society it is a must-have.

Renter’s insurance is instrumental for various reasons

It provides financial protection in case of unforeseen circumstances like theft, damage due to disasters like fires, or liability if someone gets hurt in your apartment.

Additionally, considering the value of electronics, furniture, clothing, and other personal belongings, investing in renter’s insurance helps safeguard one’s possessions, making it invaluable, especially for first-time renters.

How do I budget for my first apartment?

Managing your expenses while moving into your first apartment is crucial since it’s usually an expensive endeavor with many large and small essentials needed to fully complete your home.

Having a budget not only helps you to control your finances effectively but also assists in prioritizing immediate needs, avoiding unnecessary items, and managing moving costs and related expenses.

Step 1: Make a Budget

Budgeting is, unquestionably, a crucial strategy to manage your personal finances efficiently, particularly while setting up a new apartment.

Begin by detailing your annual net income.
Subsequently, list down all your essential expenditures, such as food, household supplies, phone bills, car payments, credit card bills, clothing, transportation costs, internet charges, healthcare expenses, school loans, and entertainment.
Don’t forget to add a section for “miscellaneous” to cover any unanticipated expenses.
Make sure your expenses are less than your income.

While rent will be your biggest expense, you want to make sure you can truly afford the amount without going broke.

If you observe that your expenses are relatively high, it’s time to analyze your spending patterns and cut down on unnecessary spending.

Step 2: Save Money

Saving money and living frugally requires strategic thinking and discipline.

Honestly, the simplest thing you can do is to set aside 20% of your income each paycheck. That will ensure you are on your way to becoming financially independent.

Simply remember, frugal living doesn’t equate to deprivation, it’s about making informed choices to optimize your resources.

The 100 envelope challenge is extremely popular!

Step 3: Start a Side Hustle

Side hustles can be a flexible and rewarding way to supplement your income, and they’ve become much more popular in recent years.

Manage your time wisely and ensure the side hustle is something you enjoy or are passionate about. It should be a source of additional income without causing stress or burnout.

Here are ways to make money online for beginners.

First Apartment Tips

Embarking on the journey of renting your first apartment can be both exciting and daunting, hence having some essential tips can be quite handy.

1. Make a list of apartment essentials

A list of apartment essentials plays a crucial role, particularly for first-time movers.

The benefits and significance cannot be overstated. Here’s why:

Prevents Overspending: Moving into a new apartment is already expensive. There are lease deposits, rent due, utility set-ups, and other hidden expenditures that can easily catch first-time movers off guard. Having a list of apartment essentials can keep your spending in check, ensuring that you only purchase what’s necessary and avoid unnecessary or impulsive purchases.
Minimizes Stress: The task of moving can be overwhelming, and missing essential items only adds to the stress. A well-thought-out list can not only help you keep track of what you’ve already acquired but also what you need to purchase or source.
Ensures You’re Prepared and Organized: By carefully creating an apartment checklist, you’re ensuring that you have everything you need in your new home, from cleaning supplies and toilet paper to the necessary items for your furry friends.
Saves Time: A concise and focused list saves you time by clearly stating what needs to be acquired, allowing you to focus on other important matters related to the move.

Follow this approach, and you’ll have a comfy, well-equipped apartment in no time.

2. Consider your budget

Experts advise rent shouldn’t exceed 25-30% of your income. But, don’t forget to include your other costs like food, bills, loans, etc

Remember, your dream apartment isn’t worth it if it’s a financial nightmare. Think smart, save hard, and enjoy your new home’s comforts without breaking the bank.

Learn the ideal household percentages.

3. Research apartments

Researching apartments requires careful consideration of numerous factors such as the proximity to vital facilities like workplaces, grocery stores, hospitals, and entertainment joints.

Try to physically tour potential residences where possible to examine amenities and gauge the atmosphere of the neighborhood.

Don’t forget to make inquiries and view the apartment personally or through a floor plan, all these will help you make a wise decision.

4. Check apartment listings for features and amenities

When searching for the perfect apartment, consider features and amenities that align with your lifestyle.

If there is a sym space, you could eliminate your monthly gym membership.

Just make sure the cost of the upgraded amenities is worth the price tag.

While checking apartment listings, ensure to evaluate the location, amenities, available space, and physical integrity.

5. Think about the size and layout of the apartment

Understanding the size and layout of your new apartment is crucial before you start styling and furnishing it.

Acquire a floor plan from the apartment management, and if possible, tour the apartment physically to note the positioning of rooms, doorways, hallways, and stairwells. Take measurements of these areas and visualize the kind of furniture and fixtures they can accommodate fittingly, taking into account maneuverability around corners as well.

Moving to your first apartment is exciting, yet demands careful consideration of the size and layout.

6. Look for apartments with good security

When you’re hunting for your next apartment, don’t forget to check out its security features. This is crucial for your peace of mind.

Ensure the apartment is in a safe neighborhood, close to amenities like hospitals or public transport.
Ask if the apartment complex has features like controlled access gates, security guards, and CCTV surveillance.
Check the apartment for proper alarm systems, well-functioning locks on doors and windows, and that fire safety measures are in place.
Verify the cell phone reception inside the apartment for any emergency calls.
Lastly, always ensure that the parking area is secure and well-lit.

Remember, your apartment isn’t just a place, it’s your sanctuary. It should feel like one, too.

7. Make sure you get a good deal

Before signing a lease, it’s crucial to ensure the rent price is a good deal.

According to the U.S. Census Bureau, the median gross rent from 2015-2019 was approximately $1,097 per month.

8. Talk to the management and make sure you understand the rules

Get to grips with your apartment’s rules by thoroughly reading your lease. Take note of any restrictions, and don’t fear to ask for clarifications. Data indicates that understanding lease terms significantly reduces tenant-landlord conflicts.

It is important you understand your lease as it is a binding contract.

First Apartment Checklist PDF

Moving into your first apartment is exciting but daunting. The First Apartment Checklist PDF helps simplify the process.

Take it at your own pace—don’t rush. This is your journey to your new home. Enjoy!

FAQ

Moving into a new apartment can be quite exciting yet daunting. It’s crucial to carefully inspect the space to ensure it meets your needs and is in optimal condition.

Check the overall cleanliness. Despite initial cleaning, apartments often accumulate dust while vacant. Ensure you have cleaning supplies handy to tackle any overlooked dirt or grime.
Inspect the utilities. Ensure the availability of necessary technology setups and provisions for all your electronic gadgets. And make sure no wires are hanging from the ceiling.
Verify the safety features. Always have a working lock on the door as well as a well lit entrance.
Examine appliances. Make sure essential household appliances like washers, dryers, and a dishwasher are provided and in working condition.

The comfort and safety of your new apartment rely hugely on these checks.

When determining how much you should spend on rent, it’s generally suggested that your allotment should be no more than 25-30% of your after-tax income.

For instance, if your yearly income after taxes is $40,000 per year, your rent should be about $833-$1,000 per month.

Keep in mind, this amount should cover:

Your rent
Utilities (unless they’re included in your rent)
Rental insurance

It’s essential to create a realistic budget by considering your other necessary expenses like food, transport, healthcare, and entertainment. If needed, find ways to cut some of these costs to afford your dream apartment.

Now Get Moving with your Apartment Shopping List!

In conclusion, creating and managing a first apartment checklist requires a judicious mix of prudence and patience.

It’s an exciting journey of setting up your first independent space but it’s also a test of properly managing your resources without compromising on your basic needs.

It’s crucial to remember that you do not need to get everything at once, and it’s okay to take your time to gradually fill your apartment.

Remember, be mindful of your budget and prioritize based on your specific needs and preferences.

And don’t forget, you’re not just setting up an apartment, you’re creating your own unique sanctuary.

With patience and careful planning, you’ll soon have an apartment that’s not only functionally equipped but also a reflection of your personal style. The experience, in the end, will prove to be as rewarding as it is educational.

Source: moneybliss.org

Apache is functioning normally

August 13, 2023 by Brett Tams

Some things just scream, “I’m insecure?”; in fact, that phrase is probably circulating around right now on social media. The latest example would be Hailey Bieber, Kylie Jenner, and Kendall Jenner’s behavior towards Selena Gomez. Those women have been tagged as “mean girls.” However, how do you really know when someone is insecure?

Here are the top seven signs that show you’re insecure, according to Reddit users:

1. Not Admitting When You’re Wrong

One Redditor said, “When people cannot admit that they don’t know something.”

Another commenter added, “To build on this point: people who are opinionated on a subject where they either know nothing about or regurgitate points off select news sites/feeds.”

Another person added, “I have a friend I’ve known since I was little, and one of the main reasons we’re fairly distant is that he does this about everything. Literally anything I mention I’ve been doing, places I’ve been, people I’ve been spending time with. Regardless of how much I know he doesn’t know about a subject, he always has the absolute most condescending, lowest opinion of it. Like, somehow, everything I do happens to fall under the vast umbrella of bad experiences he’s had and knows better about now. Like yeah, I was kinda stoked about the thing I’m sharing with you, but never mind, homie, guess you’ve been there and would avoid that.”

However, another commenter defended, “I find that I usually react that way only if my opinion is being completely dismissed. For example, if I say green apples taste sweeter than red apples, then a friend says, ‘No, red apples are definitely sweeter than green apples,’ I will feel personally attacked because he’s basically calling me stupid for thinking green apples are sweeter. I don’t mind if my opinion is wrong sometimes, but I think it can be worded better when you have a disagreement with someone. Just say your own opinion without invalidating mine. For example, ‘…Personally, I think red apples are sweeter,’ is a perfect alternative.”

2. Mocking Someone Else’s Achievement

Photo Credit: Shutterstock.

One Reddit user posted, “Mocking someone else’s achievement.”

Another one added, “Having to one-up everyone’s achievements.”

A third commenter responded with his experience, “I work with a geezer like this, unfortunately. Try to talk about literally anything, and he’ll have a one-up. He’s full of s**t tho, lol. Edit: first Reddit comment to blow up, and your responses are funny AF.”

Another Redditor also commented, “Woman I worked with always prefaced stuff like this with ‘that’s alright,’ as in ‘oh, you are broke? Well, that’s alright. I have only a dollar to last me to the next paycheck.’ Finally told her, look it’s not alright. Knowing you are broke too does not make it alright for me to be broke, so, please! Stop saying that! She left in a snit and didn’t talk to me for a few days, and she stopped saying it.”

“Trying to ruin someone else’s achievement/ actively celebrating their failures (when they’ve done nothing to you, at least),” one user replied.

3. Belittling Others

One Redditor posted, “Belittling others.”

Another user added, “Or constantly talking about themselves to prove they’re better than others.”

A third user also responded, “Or how about acting like a life coach giving advice at every opportunity? I can think of a famous podcaster that constantly does this…”

Another commenter said, “So I think I accidentally did this. Like someone will say, ‘I just did XYZ. It was really hard,’ and I’d say ‘Yo I did that too,’ but I mean it in a way to say I’m like you. I can relate to you on this topic, but it gets taken the wrong way, and they try to 1-up me. I’ve probably done something similar.”

4. Backstabbing

One commenter posted, “Always talking badly about others and trying to make them look weak/bad.”

Another Redditor responded, “Exactly. I knew a mother and son who would always be the quickest to gossip and point out the negative about so many relationships and other people in general. I used to think they were being very realistic and observing people and their flaws. Till I saw their true colors and realized that they were a very insensitive, cruel, and insecure lot who couldn’t handle it being dished out to them.”

“You always hear people say to stop worrying if strangers or others are judging you because nobody is paying attention to you anyway. Yeah… it took one night with this couple and just listening to the trash they said about perfect strangers (her mainly, he’d agree). I asked what the point was and she said ‘it’s one of the ways we have fun’. Alrighty… lol.”, added a third commenter.

5. Humble-Bragging

Photo Credit: Shutterstock.

One Redditor posted, “Constantly saying what kind of person you are. If you were, you wouldn’t have to tell us..”

“When someone starts with that statement I automatically tune out,” one added.

Another commenter added, “‘I’m a nice guy!’”

6. Never Apologizing

One Reddit user posted, “Never apologizing. Making excuses and even twisting the facts but never apologizing.”

“For the life of me, I don’t understand how people can be so insecure. I’m a teacher, and tally up my mistakes every day in front of my class so they can see that even the pros botch a thing or two. If I can do that in front of a bunch of twelve-year-olds, why can’t other people do that in their everyday lives?” one commenter added.

A third user replied, “If you get beat for making mistakes, you learn to hide your mistakes. If making mistakes as a kid consistently leads to having those mistakes held over you, weaponized against you, you will end up on guard against anyone finding out about your errors. Beat the puppy, get a mean dog.”

“I have a friend like this. She never admits she’s wrong and she also says she’s just a ‘tells it like it is’ kind of person. Basically excuses herself from accountability when she says mean things. She surrounds herself with friends who will always capitulate to her in anything. I’ve started to distance myself from this friendship over the past few months as a result,” another Redditor added.

7. Social Media PDA

Photo Credit: Shutterstock.

One Redditor posted, “Constantly having to post how amazing your relationship is.”

Another one added, “In my experience, those are usually the people who actually have very toxic relationships.”

“For real, constant publicizing of your private life is not a good sign of stability,” another replied.

One user also shared his experience, “I’ve seen this on two separate occasions with one being recently with my roommate. So my roommate literally moved 6 states just to be with his gf he’d been dating for a year. They posted their relationship constantly and from the outside looking in the relationship was ‘perfect’.

“They’d argued so much because it turns out that she was cheating on him with a dude through an online game. Shortly after he gave her another chance after my gf, his friends, and I all told him not to, and they went back to showing how picture perfect their relationship was. When I asked him how it was going he would say great, but the relationship got worse. The arguments got worse; they’d go through each other’s phones constantly, give each other silent treatments because they couldn’t communicate through a problem, and to finish it off she was still cheating on him. So the moral of the story is don’t judge a book by its cover I guess.”

“I cannot fathom how someone could get caught cheating and then go back to the original relationship. If you’re unhappy enough to cheat, then why not just end the relationship?” one user asked.

Source: Reddit.

10 Celebrities Who Are Universally Disliked

Photo Credit: Shutterstock.

People will always have preferences and something to say about celebrities. What you might love may not be the same for others. Whether it’s about their past behaviors, legal issues, or feuds with other celebrities, here is a list of celebrities people just cannot stand.

10 Celebrities Who Are Universally Disliked

These 7 Celebrities are Genuinely Good People

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We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?

These 7 Celebrities are Genuinely Good People

15 Cover Songs that are Better than the Original

Photo Credit: Shutterstock.

Sometimes, a cover of a song ends up doing far better than the original. Some covers are so good that we didn’t even realize the cover version wasn’t actually the original.

15 Cover Songs that are Better than the Original

Photo Credit: Shutterstock.

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

These 11 Movies Are So Bad You’ll Wish You Could Unsee Them

Photo Credit: Lightstorm Entertainment / TSG Entertainment II

The movies we love best are a combination of excellent characters, plots, stories and cinematography. But if these factors can make great movies, they can also make terrible movies—the ones that make people cringe, the ones we swear they’ll never watch again.

These 11 Movies Are So Bad You’ll Wish You Could Unsee Them

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Source: financequickfix.com

Apache is functioning normally

August 10, 2023 by Brett Tams

The Midwestern state of Iowa is perhaps best known for its abundant agricultural output of corn and cows. But, that’s far from the only thing that defines the Hawkeye State. Bordered by the Mississippi and Missouri Rivers to the east and west, this lovely state of rolling hills and peaceful forests also has vibrant cities full of art, culture, dining and shopping. It’s also one of the most affordable states in the Midwest, a region that’s known for its low cost of living.

With an appealing mix of big cities and small towns, understanding more about how the cost of living in Iowa differs around Iowa will help you find the best place to live. With low costs on everything from housing to groceries, even big Iowa cities are budget-friendly. Here’s the rundown on the cost of living in Iowa.

Iowa housing prices

Iowa is a fantastic state for affordable housing, with housing costs falling well below the national average. Even in major cities like Des Moines, the average rents are very reasonable. So, maybe this is the place you ditch the roommate and finally get a two-bedroom apartment all to yourself without stretching your budget. Even if big-city rents are too much, nearby towns likely have more affordable options within easy driving or commuting distance.

Let’s take a closer look at the cost of living in Iowa for average rent and home sale prices in different cities.

Ames

Ames is a quickly-growing city in central Iowa. It’s the home of Iowa State University, a renowned research university with top-tier programs in agriculture, engineering, veterinary medicine and design. Thanks to the presence of the university, Ames has fun, youthful energy with lots of art, culture, entertainment, dining and shopping. Right in the heart of the town, residents have access to nature in lush parks like the Reiman Gardens.

As a college town, Ames also boasts affordable rent and housing costs. The cost of living for housing here is 19.7 percent below the national average. Around town, one-bedroom apartments cost around $825 a month, up 8 percent from last year. The cost for two-bedroom apartments is up 3 percent to $840. With a price difference of just $15, you can easily size up to a more spacious two-bedroom unit.

Ames’ housing market has also seen some growth over the past year. The median sale price for a house here is up 9.8 percent to $314,000. For reference, the national median home price is $430,982.

Davenport

Located on the banks of the mighty Mississippi River in eastern Iowa, Davenport is another quickly-expanding city. It forms part of the larger Quad City metro area which includes Bettendorf and Rock Island, Moline and East Moline in Illinois. It’s the biggest city in the metro area with 101,009 residents and Iowa’s third-biggest city. Locals get to enjoy music festivals like the Bix Fest, sports games and outdoor recreation in the city’s 50 lush parks. The city and overall metro area get high marks for liveability.

Despite being a fair-sized city, housing costs here are 36.7 percent below the national average. The average rent for a one-bedroom apartment is $925 and two-bedroom apartments cost around $952 a month. The cost of one-bedrooms is up 9 percent from last year, while two-bedroom unit prices are down 1 percent.

Des Moines

Located in the south-central part of the state, Des Moines is Iowa’s capital city. It’s also the most populous city. Another feather in its cap is that it’s the fastest-growing metro area in the entire Midwest. There’s a good reason for that. From being a hub for insurance companies to dynamic cultural offerings, Des Moines has a lot to offer. Residents can experience art at local museums and sculpture gardens, enjoy the up-and-coming food scene and have family-friendly fun at annual events like the Iowa State Fair. All these reasons and more are why it’s considered one of the best state capitals to call home.

As Iowa’s biggest city, housing prices are higher here. But they’re still very reasonable. In fact, Des Moines has some of the cheapest rents in the U.S. Housing costs are 33.9 percent below the national average. You’ll find one-bedroom apartments for $1,092, which is down 2 percent from last year. But it’s actually more economical to rent a two-bedroom apartment. Costs are down 13.2 percent for these larger units and they’re also far cheaper at $857.

Des Moines also has a very affordable housing market, with a median sale price of $200,000. That number is up 8.2 percent from the previous year.

Sioux City

Located on the banks of the Missouri River in northwestern Iowa, Sioux City is a mid-sized city of around 85,617 residents. One of the city’s claims to fame is that it marks the navigational head of the Missouri River, meaning it’s the further upstream cargo ships can travel. Lewis and Clark also were the first known U.S. citizens to pass through the area. Today, the city is home to museums and parks. Locals enjoy a laidback, relaxed quality of life and it’s a good place for families with young kids.

Housing costs in Sioux City are 29.9 percent below the national average, and average rents have gone down over the past year. The cost for a one-bedroom apartment is down 14 percent from last year to $750. Two-bedroom units are down 10 percent to $950.

Waterloo

The city of Waterloo in northeastern Iowa is part of the larger Waterloo-Cedar Falls metro area. Waterloo is the more populous city of the two with 66,941 residents. From family fun centers to art museums, Waterloo is a great city for families. With the Cedar River running through the heart of the city, nature preserves and urban parks are right in the middle of town. It’s one of the least-crowded cities in the U.S.

Waterloo also has some of the lowest average rents in the state. Overall housing costs are also 21.5 percent below the national average. The cost for one-bedroom apartments jumped 22 percent over the past year to $795. You can get a two-bedroom apartment for $845. The cost for two-bedroom apartments is up 6 percent from last year.

Iowa food prices

Another cost of living in Iowa is food. With more than 85 percent of its land being farms, agriculture and food are deeply entwined with both Iowa’s economy and way of life. Corn and pig are two of its most notable exports, giving rise to famous state foods like breaded pork tenderloins. With food being grown and raised around the state, Iowans enjoy affordable food costs. Average grocery costs are 1.7 percent below the national average. Iowans spend between $233 and $266 per person on food each month. On a yearly basis, that’s between $2,801 and $3,200.

Many Iowa cities are below the national average for total grocery costs. But a few exceed it:

Waterloo is 5.6 percent below the national average
Sioux City is 2.8 percent below the national average
Des Moines is 0.5 percent below the national average
Ames is 5.7 percent above the national average
Davenport is 12.6 percent above the national average

In terms of averages, Davenport is the most expensive city for food costs and Waterloo is the least expensive. As an example, a half-gallon of milk is $2.39 in Davenport and $1.96 in Waterloo. But sometimes these prices flip. It’s more expensive to buy steak in Waterloo, costing $14.49 compared to $13.49 in Davenport.

The cost of dining out also changes depending on whether you’re in a bigger or smaller city. Unsurprisingly, Des Moines is the most expensive city for a date night out. The bill for a three-course meal for two at a mid-range restaurant costs $60. You’ll save the most on a date night in Ames, where the same kind of meal costs $47.50.

Iowa utility prices

You’ll be paying less for utilities like electricity, water and internet for the cost of living in Iowa. With its wide-open fields and plains, Iowa is a leader in wind power. In 2020, wind turbines produced 57 percent of the state’s electricity. So, if you’re living in Iowa, what’s powering your home may come from a renewable, sustainable source. A mix of coal, natural gas, nuclear and other renewables make up the rest.

Here’s how the cost of utilities in these Iowa cities compares to the national average:

Des Moines is 15.7 percent below the national average
Sioux City is 14 percent below the national average
Davenport is 13.2 percent below the national average
Waterloo is 9.7 percent below the national average
Ames is 5 percent below the national average

Ames is the most expensive city, with total energy costs for the month coming out to $161.90. Davenport and Des Moines are nearly tied for the lowest energy bill at $128.89 in Davenport and $128.69 in Des Moines.

For water, the average water bill in Iowa is $28. Internet is another essential utility for the modern household. For 60 megabits per second, you’ll be paying the least in Waterloo at $63.16 monthly. Des Moines has the priciest internet bills at $77.71 a month.

Iowa transportation prices

WIth the cost of living in Iowa, you’ll be paying less than the national average for public transit. Using public transportation is a great method of saving money on gas. It can also reduce your car insurance payments and cut back on vehicle maintenance costs. Beyond that, using mass transit is more eco-friendly. It’s also an effective way to reduce traffic in big cities. It will likely also save you commuting time. If you’ve ever spent hours stuck in rush hour traffic, you know the value of a speedy commute.

Iowa has 35 different public transit systems throughout the state for both urban and rural areas. All our highlighted cities have public transit systems that serve the city, county and/or metro area. Here’s how the cost of transportation in these cities compares to the national average:

Sioux City is 10.6 percent below the national average
Waterloo is 7.6 percent below the national average
Davenport is 5.2 percent below the national average
Des Moines is 4.1 percent below the national average
Ames is 1.9 percent below the national average

Sioux City has the least expensive public transportation. Smaller cities like Sioux City, Ames and Waterloo have less extensive systems than major cities like Des Moines. The Sioux City Transit System provides mass transit throughout the metro area with a fleet of buses. One-way fares cost $1.80 and a monthly pass is $48. The Metropolitan Transit Authority has 11 different bus routes around the city of Waterloo, with fares starting at $1.50. CyRide provides mass transit in Ames, with $1 one-way rides. The use of CyRide buses is free to students of Iowa State University.

Let’s take a closer look at the public transit systems in the bigger cities of Des Moines and Davenport.

Citibus in Davenport

The Citibus system in Davenport operates a bus fleet with routes covering 30 miles of the city. It also connects to broader mass transit in the Quad City metro area. The general fare for adults and children 7 and up is $1 per ride with free transfers. Using the system’s SMART card, you can get a 30-day unlimited ride pack for $22.

With so many parks and interconnected neighborhoods, Davenport is fairly friendly to pedestrians and cyclists. It has a decent walk score of 53 and an OK bike score of 48.

DART in Des Moines

The Des Moines Area Regional Transit Authority is the biggest public transportation system in Iowa. Its fleet consists of 145 fixed routes, paratransit and on-call buses and vehicles with over 1,600 stops around the city and metro area. Riders pay $1.75 for a one-way ride on local routes and $2 on express routes. On local routes, a day pass costs $4 and a monthly pass is $48. Different, personalized services like paratransit and on-call have variable costs, as well.

Des Moines is also a decent city to navigate on foot or by bike, with a walk score of 54 and a bike score of 47. Certain areas like downtown are easier to get around by foot than others.

Iowa healthcare prices

Iowa is a good state to live in healthcare-wise. It ranks well nationally for healthcare access, as well as the quality of care. The state is also in the middle of a big initiative to become the healthiest state in the union. In most cities, the cost of healthcare is also below the national average or slightly above it. You’ll also be paying roughly the same for health care services around the state. As an example of this, here’s how much a doctor’s visit costs in these different cities:

Sioux City: $140.22
Ames: $130
Davenport: $131.25
Des Moines: $130.25
Waterloo: $130

Ames, Davenport, Des Moines and Waterloo all cost practically the same. Sioux City is the sole outlier. Going to the dentist is also more expensive here. You’ll be paying around $113.80 for a dental check-up here compared to $85 in Waterloo. As you’ll see below, this makes sense because it’s also the most expensive city compared to the national average:

Davenport is 4.5 percent below the national average
Des Moines is 4.4 percent below the national average
Waterloo is 4.1 percent below the national average
Sioux City is 5.4 percent above the national average
Ames is 0.6 percent above the national average

As you can see, healthcare is fairly affordable and accessible throughout the state. But it’s important to note that healthcare costs are challenging to average. This is because of their variability. A person’s health situation determines these costs. Some people have pre-existing conditions or require more expensive prescriptions. As such, one person may pay far more for healthcare than the number above. So, it’s important to remember that the average healthcare cost in your Iowa city isn’t exactly the same for you.

Iowa goods and services prices

Living in Iowa, you’ll be paying less than the national average for basic goods and services items. Here’s how those costs compare nationally:

Waterloo is 13.9 percent below the national average
Sioux City is 8.5 percent below the national average
Des Moines is 5.6 percent below the national average
Ames is 4 percent below the national average
Davenport is 1.6 percent below the national average

Waterloo is the least expensive city for goods and services, while Davenport is the most expensive. To make that differential clearer, getting a haircut in Waterloo costs $16.67 compared to $22 in Davenport.

But prices don’t always reflect a city’s high or low ranking. Movie tickets are more expensive in Waterloo, costing $12.04. But in Davenport, they’re $10.62.

Another regular expense you may need to consider is childcare. Iowa’s cities and towns are great for raising families due to their overall safety, fun activities and good schools. But, childcare costs vary widely depending on where you live. If you want to send your child to a private preschool or kindergarten, you’ll be paying around $1,000 a month in Waterloo and Davenport. But in Sioux City, the same type of childcare only costs around $160 monthly. Sure, you switch from a big-city environment to a small-town one by living in Sioux City. But if you have multiple kids, those low childcare costs are pretty appealing.

Taxes in Iowa

Iowa’s statewide sales tax is 6 percent. To put that in perspective, if you spend $1,000 on corn, you’ll be paying $60 extra in taxes. In terms of national rankings, that sales tax rate is pretty middle-of-the-road.

Counties also tack their own taxes onto the statewide rate, hiking up the overall sales tax. Here’s the sales tax rate in our highlighted cities:

Sioux City has a combined tax of 7 percent
Ames has a combined tax of 7 percent
Davenport has a combined tax of 7 percent
Des Moines has a combined tax of 7 percent
Waterloo has a combined tax of 7 percent

With the addition of county taxes, the sales tax in all these cities comes up to 7 percent. You’ll be paying $70 extra for every $1,000 spent in these counties. In terms of markups, that’s not too bad.

How much do I need to earn to live in Iowa?

Wondering if life in Iowa fits your budget? A good rule of thumb to follow is the 30 percent rule. It’s recommended that you only spend 30 percent of your gross monthly income on your housing costs, like rent or a mortgage. That way, you have 70 percent left over for other important expenses like groceries. Plus, you need extra left over for savings and fun, leisure activities.

The average rent in Iowa is $960. For 30 percent of your monthly budget, you need to make $3,200 a month or $38,400 annually. Iowa’s median household income is $61,836. This means that most Iowans can comfortably afford housing costs and aren’t stretching their budget.

You can use our rent calculator to crunch some numbers and see for yourself what you can afford for monthly rent.

Living in Iowa

From vibrant cities to relaxed small towns, Iowa offers residents a variety of lifestyles to choose from. No matter where you live in the state, you’ll find an affordable cost of living. On top of that, you’ll get to enjoy all of Iowa’s unique charms and benefits like fresh, local produce and beautiful Midwestern landscapes.

The Cost of Living Index comes from coli.org.

The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of July 2022.

Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

August 7, 2023 by Brett Tams

Some college students grapple with a challenge that has little to do with grades or the overall college experience: helicopter parents.

These well-meaning moms and dads insert themselves into the lives of their emerging adult children to a degree that may hinder the development of coping skills.

College orientation programs for nervous parents have become more common. Even so, some parents have trouble letting go. With the price of college having doubled in 20 years, some parents want to make sure they’re getting their money’s worth.

Table of Contents

Hobbled by Helicopter Parenting

The risks of helicopter parenting are real, researchers say.

In a review article published in June 2022 in the Journal of Emerging Adulthood, researchers analyzed more than 70 studies done over the last 20 years on helicopter parenting. Across the board, they found strong negative associations between overparenting and a college student’s development in the psychological, behavioral, social, academic, and career areas.

Researchers define helicopter parents as moms or dads who “excessively monitor their children and often remove obstacles from their paths, instead of helping them develop the skills to handle the inevitable difficulties of life.” Helicopter college parents may reach out directly to college professors and administrators about grades or nag their children about academic deadlines and test results.

Why is this so harmful? When kids go off to college, they are entering a period of life psychologists call “emerging adulthood.” The goal during this phase is to become independent and self-sufficient. If a student’s parents are always doing things for them, it can keep them from learning essential skills they need to become a successful adult.

Overparenting can also make students feel inadequate and helpless, taking a major toll on their self-esteem. Studies have even found a link between helicopter parenting and higher alcohol and other substance use, depression and anxiety, as well as lower educational achievement.
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How to Deal With Helicopter Parents

For students stranded between demanding academic obligations and surveillance-minded parents, the path forward may involve a strong dose of self-discipline, a willingness to learn and make mistakes, and an open call for independence. Here are some ideas.

Adjust How You Engage

If parental hovering seems unavoidable, students may want to diplomatically tighten up engagements with Mom and/or Dad.

Unless the student is in a serious health or financial crisis, there’s no need for a daily phone call, Zoom meeting, or even text with parents.

Students should talk to parents before leaving for campus and ideally agree on a scheduled conversation, perhaps weekly or biweekly.

Students who do not feel pressured may decide that frequent calls, emails, or texts are OK — as long as they initiate the engagement.

Ask for a Coach, Not a Problem Solver

When a young person leaves for college, the temptation for many parents is to step in and solve every problem for them, thus taking a learning experience out of the equation.

Yes, living away from home for the first time can be intimidating and yes, a parent’s inclination is to take over the situation and straighten things out. That, however, may deprive the child of a much-needed learning experience.

Mistakes are inevitable. “It doesn’t matter how many times you fail. It doesn’t matter how many times you almost get it right. No one is going to know or care about your failures, and neither should you. All you have to do is learn from them and those around you …,” entrepreneur Mark Cuban has written.

Students should strive to make their own academic and lifestyle decisions (but not big health care or financial decisions, at least not yet), with parents supporting and coaching in the background.

Take the Long View

Helicopter parents invariably view their child’s problems and challenges on campus with a short-term outlook. Instead, students should emphasize the learning experiences they’re having and that the experiences are positive in the long haul.

While parents may fret over their child not getting into a class, missing out on a grant, loan, or scholarship, or just getting a problem roommate — situations that can call for a remedy — they’re experiences best handled by the student, who can make that exact case to parents.

It might be helpful to say: “Mom/Dad, I’m learning from my own problematic scenarios, I’m growing a thicker skin, and I’m learning how to solve problems and make decisions like an adult. When I do need your involvement, I hope you’ll trust me to let you know as soon as possible.”

The takeaway for both parties: A big part of attending college is becoming your own self-advocate in life, and some patience and pullback on the part of parents (and encouraged by the student) can help that happen.

Ask for Your Own Bank Account

To further declare independence from helicopter parents, college students may want to ask them to take their name off a shared bank account. Doing so will allow students to learn how to manage money on their own, with Mom and Dad in the background if needed.

Let parents know that any excessive spending or critical financial needs can, when necessary, involve them. But being responsible for finances is a critical lesson best learned by the student.

For college students, that means making the case that financial literacy is a gift and that college is a great place to earn it.
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Create Boundaries on Student Portals

Digital student portals are valuable tools for both students and parents, but college students may want to establish boundaries on parental portal engagements.

Yes, parents will want to log on to the parental portion of their student’s online college portal (mainly to check finances, review financial aid, and pay tuition bills).

Past that, there’s no need for parents to regularly plug in to their student’s primary online portal and sound off about everyday collegiate experiences.

Particularly, college students may not want their parents looking at their calendars, classroom grades, student-teacher interactions, and portal emails designed for the student’s eyes only.

College students can remedy that situation by having their parents agree on portal access conditions, like checking grades once a month or even once a semester.

Making the case that portal engagements, with boundaries, are the domain of the student can provide a sense of trust and privacy, especially in the first year at school.

Take a Bigger Role in College Finances

College students may be able to help their own cause by partnering with parents on college financing issues and learning to be good stewards of their college money.

That means visiting the financial portion of the college portal and seeing what has been paid, what is owed, and what is available in financial aid.

Helping out with the Free Application for Federal Student Aid (FAFSA) each year will also give the student a realistic look at the cost of college, which may provide an incentive to make that cost worthwhile.

When you know exactly where you stand financially on campus, you can begin making decisions on key issues like course loads, living on or off campus, accepting a work-study program, and taking on a part-time job.

Additionally, taking a shared-responsibility role can help with long-term college decisions, like taking an internship overseas or moving on to graduate school.

The Takeaway

College students can take steps to deal with helicopter parents, who may hinder the development of skills to handle the inevitable difficulties of life.

The suggestions are rooted in convincing parents to take a supportive but not supervisory role in the student’s everyday college experience.

Financial literacy means knowing the options for paying the myriad costs of college, from tuition to housing and food: federal grants, work-study, student loans, merit scholarships, and private student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Source: sofi.com

Apache is functioning normally

August 5, 2023 by Brett Tams

It may cost you, but the quality of life in Connecticut makes it worth it for many people. The state has great schools, low crime, access to outdoor activities and great, fresh food. Being part of New England, Connecticut is also full of history and culture, with plenty of museums. There’s even an amusement park should you need a change of pace.

To fit Connecticut into your budget, it’s best to understand how the state’s prices compare to the rest of the country. By looking at average costs in a few specific categories, you can make an informed decision about whether a move is in your future.

Connecticut housing prices

Housing prices in Connecticut all hit above the national average. That doesn’t mean you can’t find affordable housing throughout the state or a home for any budget. But, it could be more challenging to get those good deals.

Hartford

The capital of Connecticut, Hartford is one of the more affordable places to live in the state. Housing prices are only 1.4 percent above the national average, so not too far out of reach for many. The city has a long history, solid job opportunities and some amazing museums. The variety of local parks is an ideal family-friendly destination, as well, when the weather is nice (it does get cold in the winter.)

Apartment prices are on the rise and may sit at the high end of your budget. One-bedroom apartments, up 14 percent over last year, have an average monthly rent of $1,747. Two-bedroom apartments, up 10 percent over last year, have an average monthly rent of $2,367.

Home prices aren’t rising as quickly as apartment rent, up only 2.6 percent over last year. The median home price in Hartford is $240,000.

New Haven

Home to Yale University, New Haven is a college town with a little bit more. The prestigious university is a cornerstone of the city, but there’s also the beach, the history, museums and even nearby skiing. Living in New Haven isn’t cheap, though, and home prices are 20.9 percent above the national average.

Apartments are going to cost you, too, especially if you’re a college student. You may want to consider a roommate to keep things affordable. The average monthly rent for a one-bedroom apartment is $2,455, which is up 18 percent over last year. Two-bedroom apartments, up 17 percent over last year, average out to cost $3,102 per month.

Homes for sale are a little more reasonable, and the median sale price in New Haven is $280,000, down 12.5 percent over last year.

Stamford

With the highest home prices in the state, the cost of living in Connecticut really gets skewed thanks to places like Stamford. Here, home prices are 68.6 percent above the national average. This affluent city primarily attracts families and professionals and is perfectly situated for commuters. Many neighborhoods provide a small-town feel without taking you too far away from the urban amenities of downtown. That’s good news since your housing budget may make it hard to live right in the middle of it all.

Apartment rents are increasing at a pretty significant rate. One-bedrooms are up 23 percent, and two-bedrooms are up 34 percent, both over last year. This puts average monthly rent prices up there. The average rent for a one-bedroom is $2,654 per month, while a two-bedroom averages out at $3,599.

Home prices are also on the higher side, and the median sale price in Stamford is $680,000. This is up 11.5 percent over last year.

Connecticut food prices

Lobster rolls are the most iconic food out of Connecticut (and all of New England), but the state does a few favorites just a little differently. First, they steam their cheeseburgers rather than grill them, and if you’re in New Haven it’s ‘apizza’ and not pizza that’s on the menu. In the fall, you can sample another iconic Connecticut food, homemade apple cider. With all this deliciousness, Connecticut residents spend between $267 and $300 per month on groceries.

Across the state, food prices align with other costs of living elements in Connecticut and are above the national average.

New Haven is 0.4 percent above the national average
Stamford is 8.2 percent above the national average
Hartford is 8.4 percent above the national average

With these averages relatively close together, you most likely won’t find huge price differentials in specific grocery items. The difference in ground beef prices is less than a dollar across these three cities, and a dozen eggs are only 11 cents more from their cheapest to most expensive.

Average prices are a little higher for some things, though. A loaf of bread in Hartford is on the high side at $4.69, but even with a few doozies, you can stay on a budget when you grocery shop.

Connecticut utility prices

Connecticut winters can really ramp up your utility costs. The winter season is long, with the lowest temperatures between December and February. Evening temperatures can get down to zero degrees Fahrenheit, and snowfall is heavy. As a result, you may pay more for heating in the winter, which can raise overall utility prices pretty quickly.

Hartford is 26.4 percent above the national average
Stamford is 30.3 percent above the national average
New Haven is 32.2 percent above the national average

These averages, and the amount of energy you need to live in comfortable temps year round, can drive up your energy bill. Expect to pay an average of $260 per month in Hartford, $273 in Stamford and $279 in New Haven.

Connecticut transportation prices

Transportation prices throughout Connecticut are all above average, but on the whole, this state is very easy to get around. With some of the most walkable cities in the country, certain pockets of Connecticut are perfect for those who don’t want the expense of owning a car. Strong public transportation systems also make it easy to get around without having to pay for gas, parking or regular vehicle maintenance.

That said, transportation is still an expensive component of the cost of living in Connecticut.

Hartford is 4 percent above the national average
New Haven is 14.3 percent above the national average
Stamford is 16.2 percent above the national average

At these prices, it might be worthwhile to use a variety of transportation options to get around.

The walkability of Connecticut

It’s impressive for a state to have so many cities with high walk scores, and across Connecticut, infrastructure design really takes those on foot into consideration.

The downtown area, along the riverfront in Hartford, is extremely walkable, but so are a lot of nearby neighborhoods. Overall, the city has a walk score of 75.

New Haven’s downtown area has many sidewalks, with highly walkable areas around Yale’s campus and in nearby squares. Combined, this gives the city a walk score of 78.

Stamford has a walk score of 84. With walkable blocks, sidewalks and pedestrian walkways, the city is easy to navigate on foot, especially around the waterfront. There’s also a free trolley for when your feet get tired.

Public transportation in Connecticut

Each of our Connecticut cities provides public transportation, enabling residents to get around town without their own vehicles.

Hartford offers up two options. CT Transit has both local and express bus services around the city. For local service, a two-hour pass is $1.75, and a 31-day pass is $63. The dash Shuttle is another option. It’s a free service that runs downtown during the week, with extra service during major downtown events.

CT Transit also operates in New Haven and Stamford. New Haven buses run across 22 different routes, while Stamford operates 15. As long as you’re on a local bus line, even in separate cities, CT transit passes are the same price.

Stamford offers one additional mode of public transportation, the Harbor Point Trolley. This line connects the downtown area to Harbor Point, stopping at major spots like the government center and the University of Connecticut. The trolley is free to ride.

Connecticut healthcare prices

Healthcare prices in Connecticut are one of the few cost of living components with one city averaging below the rest of the county.

Hartford is 7.4 percent below the national average
Stamford is 7.2 percent above the national average
New Haven is 10.5 percent above the national average

These averages come from combining doctor visits, trips to urgent care, prescriptions, that annual eye doctor visits and dental check-ups. These averages put doctor’s visits between $100 and $140, dental visits between $87 and $122 and eye doctor visits between $127 and $155.

Connecticut goods and services prices

Eating that special New Haven ‘apizza’, grabbing a six-pack of craft beer or having cheeseburgers with friends all fit into the goods and services section of your budget. These are the activities you like doing but could live without if money got tight.

In Connecticut, goods and services prices, combined, all reach above the national average.

Hartford is 10.6 above the national average
New Haven is 16.7 percent above the national average
Stamford is 18.6 percent above the national average

These averages could mean you get to do a little less of those bonus activities each month, simply because of cost. The only way to really know is to look at the individual prices of your favorite extras.

Yes, we threw in one practical service into the chart, but when you price compare, you can see that not everything costs the most in Stamford. When it comes to beer and dry cleaning, Hartford actually takes the top spot, although overall, it’s the least expensive city, and New Haven is the cheapest when it comes to burgers. Without knowing individual costs, it’s impossible to budget for this aspect of the cost of living in Connecticut.

Taxes in Connecticut

Connecticut has a graduated income tax, which means your rate comes from how much money you make each year. You’ll end up paying somewhere between 3 percent and 6.99 percent.

When it comes to sales tax, the state-wide rate is 6.35 percent. That’s all you’ll pay across Connecticut. There are no local sales taxes.

So, if you’re shopping for furniture for your new apartment, for every $1,000 you spend, you’ll pay $63.50 in taxes. Not too bad.

How much do I need to earn to live in Connecticut?

The first thing you need to live in Connecticut is a home, and being able to afford one means putting at least 30 percent of your annual income toward rent. This is definitely possible, and you can calculate exactly what would work with your budget using our rent calculator.

To estimate needs, the average rent in Connecticut is $1,713. To afford this rent, at 30 percent of your income, you’d need to make a minimum of $68,520. This is highly possible given that the average annual wage comes really close. At $66,130, you’re right on the edge of affording an average rent, and not too far that you won’t have plenty of options to pick from that are just a little less.

Living in Connecticut

Connecticut may come at a higher-than-average cost, but calling the Constitution State home has plenty of benefits. Connecticut has the beach, great parks and a strong economy. Its location puts you close to just about anywhere in New England (and New York) and educational opportunities are top-notch.

The Cost of Living Index comes from coli.org.

The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of August 2022.

Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

August 3, 2023 by Brett Tams

Eleanor wrote with a question that could test even the mightiest personal finance expert. “What,” she asks, “can you do when you want to save money and your roommates don’t care?”

I share a house with four roommates. This saves me at least $200 a month from what I would be paying if I lived in an apartment. But roommates raise expenses in other, unexpected ways. I have been trying to cut down on monthly bills and am finding it incredibly difficult.

For example, I live with roommates that want digital cable and high-speed internet bundle. I can live without the cable (I don’t watch TV) and don’t mind having a lower-speed connection. But because three of my five roommates want the more expensive package, that’s what we get, and instead of splitting a $60/month bill five ways we’re splitting a $100/month bill. I end up paying more money overall. While I can simply not watch cable and argue with them that I won’t pay for that fractional cost of the bill, there’s no way I can somehow use a lower speed internet connection without some serious technological finagling.

Another way I find it difficult to cut down on monthly bills is electricity usage. I try to turn off lights, appliances, the air conditioner, and my computer when I’m not using them. My roommates would prefer to leave their computers and air conditioner on and are not as vigilant as turning off lights. The electricity bill is higher, but it still gets split five ways. Again, I have no idea how I would go about dividing the bill by individual electricity usage — how would you even start to go about measuring such a thing, when no one remembers who left the kitchen light on?

But perhaps I’m being too nitpicky — as annoying as these extra expenses are, I doubt they make it worth moving to an apartment.

It’s been a l-o-n-g time since I lived with roommates — wife and cats notwithstanding — and I’ve forgotten some of the stuff that occurs. I certainly remember the passive-aggressive games we used to play out of spite, but I think that, in general, I never had a living situation in which splitting money was an issue.

AskMetafilter often has roommate-related questions. Many of them involve money problems, but none that I could find involve this sort of problem. Though it doesn’t address Eleanor’s specific concerns, UK-based iOWEYOU looks like a great little web tool for tracking roommate accounts:

iOWEYOU is an expenses sharing calculator. It is ideal for people living in a shared house. To use iOWEYOU, you log all the items you buy that you share with your group. This may be bills, food shopping, light bulbs, TV license, etc., etc. iOWEYOU then tells you how much you all owe each other.

What general advice do you have for keeping money matters between roommates peaceful but fair? What specific advice do you have for Eleanor?

Source: getrichslowly.org

Apache is functioning normally

August 1, 2023 by Brett Tams

In our latest real estate tech entrepreneur interview, we’re speaking with Paul Burke from ColivingCircle.

Who are you and what do you do?

I’m the Founder and CEO of ColivingCircle, a marketplace for finding coliving. I’m a solo founder working on everything from development, design and content to partnerships and customer support.

What problem does your product/service solve?

As coliving grows in popularity among renters we’re seeing more companies enter the space. Because every coliving space is unique – geared towards different lifestyles and interests, there is a need to provide a marketplace that helps consumers find the right coliving space for them.

You previously built RentHoop to connect roommates (interview is here). What learnings from that led you to your new product, ColivingCircle?

We’re actually talking to buyers regarding selling RentHoop which will be the end of a long chapter of my life that occupied most of my mid-20s.

As a first-time founder, I didn’t have the context or experience to know how to best build a product, evaluate an industry, allocate resources or manage a team. It’s all trial by fire when you’re just starting.

Over a span of a couple of years, I began to develop a level of objectivity that helped me see the industry from a different light. While the need for a product like RentHoop was, and still is, massive, there’s a reason people still use Craigslist, primarily, for finding roommates. It’s a tough business to monetize until you achieve density, scale and products people will pay for. Those things typically require a good amount of capital, especially for a low-velocity product like finding a roommate, room or sublet.

My goals this time around are very different than they were for RentHoop. For ColivingCircle, I am not looking to build a ‘startup,’ one optimized for user growth and raising money from VC’s, but a business with limited overhead that seeks profitability and can be self-sustaining.

What are you most excited about right now?

Coliving is “the antithesis to social distancing” as Rolling Stones Magazine put it. In the short-term, many coliving spaces are taking a hit.

The positive is that many people who are sticking it out in coliving spaces are able to experience community in a wonderful way. From some of the interviews I’ve done on the ColivingCircle podcast, we’re hearing about how people don’t feel isolated or lonely because they have others around.

We’re going to see demand for coliving explode in the next year and enter the mainstream.

What’s next for you?

Continue to advocate for the industry and connect people with a coliving space near them. We already have about a dozen partnerships with coliving spaces in the United States so we’re excited to officially launch!

What’s a cause you’re passionate about and why?

I’m half-Egyptian and those roots are extremely important to me. My family and I took a trip to Egypt this past September and we got the opportunity to work closely with a boys and girls orphanage. In the last week we were able to purchase them a school bus with the help of some family and friends. We continue to support them so they can receive an education and the opportunity to live out their dreams.

Thanks to Paul for sharing an update to his story. If you’d like to connect, find him on LinkedIn here.

We’re constantly looking for great real estate tech entrepreneurs to feature. If that’s you, please read this post — then drop me a line (drew @ geekestatelabs dot com).

Source: geekestateblog.com

Apache is functioning normally

July 28, 2023 by Brett Tams

What could be worse if childbirth is considered one of life’s greatest pains? It turns out that people actually have a long list of experiences that rival labor pain! From dental work to broken bones, we’ll discuss the 15 most painful things—and why they may hurt more than expected. Whether you’re looking for an informative read or simply some good storytelling, this blog post will provide an engaging look into just how strong people can be when faced with a considerable amount of pain.

1. Kidney Stones

Photo Credit: Shutterstock.

One user shared a story, “My mom always makes a point to remind me that she birthed me naturally with no pain medications or the like and that she was in labor with me for 22 hours, with contractions starting the first hour, and it was quite a pain. Eight or so years later, she had a few large kidney stones and said it was way worse.”

One user replied, “Side note, I don’t get parents who hold a difficult birth over their kids, as though they had something to do with it. It’s always like, ‘Well, who was the adult in that situation?’ Don’t get me started on parents who hold providing food and shelter over their kids—like congrats on doing your legal and ethical obligations.”

Another user added, “I think moms like to use it as a status symbol, kind of. I think it can be cute if you’re just playfully saying something like, ‘And you took 36 hours to get here!!! Yeesh!!’ Rather than, ‘You ruined my body, and now I hate myself.’ I personally have a 1-year-old, and my labor was a really fun experience, but I will totally let my son know that his head was huge and got stuck when he’s older.”

2. Old Age with Long-Term Ailments

Photo Credit: Shutterstock.

“My wife thought the last month of pregnancy was worse than giving birth. She said giving birth was more painful that day, but the constant tiredness and back pain was a worse experience for her. Makes me think of all those people, especially old people, with long-term ailments having to go on each day with pain,” one user shared.

Another commenter replied, “I have given birth 3 times, and I agree. The fear of the pain of labor evaporates when every day is a painful struggle, and you want to be done having that watermelon INSIDE, lol. That’s my theory on why [it’s so terrible] towards the end of pregnancy; we are happier to give birth.”

However, one Redditor said, “I’ve never been pregnant, but I have chronic pain. My best friend is currently 8 months pregnant and was complaining about it all to me a few weeks ago; she then abruptly stopped mid-sentence (I honestly thought she went into labor, lol) and, with tears in her eyes, went, ‘Is this how you feel all the time?’ Then she started sobbing; I was so shocked as she’s not normally a crier. Her husband heard her crying and came into the room to see her on FaceTime with me, gave her a hug, and mouthed ‘hormones!’ to me. It was all I could do not to burst out laughing.”

Another user commented, “That is possibly the kindest thing anybody could do for me. Realizing every day hurts and just feels something for me.”

3. Being Burned

Photo Credit: Shutterstock.

One user shared, “Burning Alive.”

Another commenter replied, “From what I understand about it, your nerves burn first, so it’s usually fairly quick and painless. Surviving it, on the other hand.”

“That’s probably something they tell the families to make them feel better. You have nerves throughout the entirety of you… As far as quick……. well, that would depend entirely on how much of you is burning and how quickly. Yeeted into a volcano like Gollum? Yea, probably pretty quick. Pinned under a car…? Probably not very quick,” one person commented.

Another Redditor also exclaimed, “I know a powerful and resilient young man who accidentally flew his glider into power lines and survived. I think he would agree with you on that one.”

4. Losing Your Child and Wrongful Imprisonment

Photo Credit: Shutterstock.

One user commented, “A dingo eating your baby, and you getting a prison sentence for it because no one believes you.”

Another user replied, “Also, the case of that mother recently, but it turns out they had a rare disease that looked like she had poisoned them.”

One commenter added, “His explanation ‘dingo’ over well with the jury.”

“Her. It was a woman who was jailed. It’s a real Australian case,” another person added.

5. Being Eaten

Photo Credit: Shutterstock.

One Redditor added to the thread, “Being skinned alive.”

“Being eaten alive by a bear because they can. Lions and tigers will at least make it quick to the jugular,” replied another user.

One commenter added, “Hyenas will hold you down and eat your [butt] end first. Can’t imagine how anything could be much worse.”

6. Dog Bite

Photo Credit: Shutterstock.

One Redditor commented, “I’ve had toothaches—pulled my tooth once. I’ve been burned and splattered with hot grease. I’ve broken bones and had a road rash. I have a pretty high tolerance for pain. But hands down, the most painful thing I have ever experienced is Dog Bite. It was the most excruciating pain I have ever felt. The massive compression combined with [breaking the bones in my hand]. Just when you think it might be over, [and the dog uses] its whole body to gain leverage… I had never screamed in my life until a pit bit my hand. I didn’t even recognize my own voice. It was the most guttural terrifying scream I had ever heard, and I couldn’t believe it came from me. Lol, Pray to god you never get bit by a really aggressive dog.

“Edit: (spelling) If you do get attacked, don’t scream it makes them even angrier.”

Another user asked, “What should one do in this scenario? Fight back? Punch the dog? Kick it?”

One user answered, “If your arm is being bitten by a dog, pressure your arm into the dog’s mouth instead of trying to rip your arm out. It puts the dog at a disadvantage because you’re applying pressure in a way they can’t counter very easily. Otherwise, yelp and try to hit their sensitive areas. Otherwise, refer yourself to these tips.”

“I’d like to add to that—if you force enough arm into the dog’s mouth to make him hyperextend his jaw, he will die. So if an aggressive dog is biting you, hyperextend his jaw. He will stop biting you,” another user shared.

7. Bullet Ants

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One user posted, “According to science, and maybe this is in the comments, but I can’t believe I haven’t seen it yet… Bullet Ants. Neurotoxins cause pain several magnitudes beyond what you can experience via physical trauma…not to mention you would’ve passed out long ago had the pain derived from a physical source. Also, Irukandji jellyfish for the same reasons….”

Another user replied, “I came here, say bullet ants. I am allergic to painkillers and anesthesia. I have had all sorts of shit done, including getting my wisdom teeth pulled, and nothing is anywhere close to the bite of those f-ers.

“I don’t even know how to put into words how painful it was. It’s like your brain is causing pain, and basic functions are overwritten by pain. Even thinking about it makes me feel on edge. It’s been 14 years since it happened.”

8. Losing a Child

Photo Credit: Shutterstock.

One user shared, “Losing a child.”

Another user replied, “Can confirm. My daughter is a missing person, and even that hurts.”

One user added, “Late miscarriage/stillbirth… All the discomfort of pregnancy, the same childbirth pains, the same long recovery time, and permanent bodily changes… But no baby.”

“My early miscarriage was comparable to childbirth as well. I was writhing in pain. I had no idea what was going on, so I think that part made it worse. With childbirth, you pretty much know what to expect and have read techniques on managing,” commented another user.

9. Pancreatitis

Photo Credit: Shutterstock.

Another user posted, “Pancreatitis.”

One user replied, “Scrolled for this, screamed like a banshee in the ER.”

“So few have had this. There are not many upvotes that cheer me up and simultaneously scare the shit out of me (not many Whipple procedures being successfully done out there/impossible to operate on organ.) So much pain. Thanks to alcoholism for me, but at least I’m sober now… (7 years baby!)” another Redditor added.

10. Gout

Photo Credit: Shutterstock.

“Apparently gout,” one commenter shared.

Another user added, “Gout varies a lot. I’ve never given birth, but apparently, mothers with gout often say gout is worse. My first gout attack—yeah, that was some next-level pain. I passed out from it. I can believe that might have been worse than giving birth. One or two since have been very bad, but not that bad. But most… I mean, they suck, don’t get me wrong, but I can’t imagine they hurt more than dropping a sprog.”

Another user replied, “Gout flare-ups [are terrible], that’s for sure.”

11. Lung Cancer

Photo Credit: Shutterstock.

One user added to the thread, “Waking up after lung cancer surgery where they removed parts of 3 ribs, some chest plates, and 30% of a lung. They had to give me crazy levels of morphine and ketamine round the clock for the best part of a week. Still on pain meds 6 years later.”

12. Testicular Torsion

Photo Credit: Shutterstock.

One user shared, “There’s only one thing in the running: Testicular torsion. It’s when a testicle gets twisted—think like twisting an apple so that the stem comes out. Considered to be one of the most painful things people can experience.”

Another Redditor replied, “I had testicular torsion when I was 14. I woke up at around 3:00 am, and I was shaking and had a lot of trouble standing. I went to my parent’s room to wake them up, and we went to the emergency room. It felt like just pure weakness and inability to move because if you accidentally moved wrong, it was over. Maybe I suppressed the rest, but I just remember waking up after the surgery was done and feeling so much better. The thing I’m most scared of is pain, and that was one of the worst experiences I’ve had.”

One person commented, “My pop, mid-80s, had this last year. Ex-military, ex-athlete, and had lots of broken bones in his life, he said this was by FAR the worst pain he has ever had. Slept in a recliner for a few months. Mine is easier, did a farmer blow to clear my nose on a cold New Year’s ever in Colo as a 12-year-old? Both eardrums blew from the inside out the next day. Was deaf for 6 months. Doc gave me a note (deaf, after all), then stated I would never again experience this level of pain. The closest I have come since was sciatica. All that said, I ain’t a woman, so I obv cannot speak to the pain of pregnancy.”

13. Almond Wedged into the Root of a Tooth

Photo Credit: Shutterstock.

“I will never know, but when I bit down on an almond, which cracked my tooth and wedged a sliver of almond down into the root, and I needed emergency tooth pulling, the woman who was assisting the dentist afterward told me that the pain I just went through for over an hour and a half was pain she had endured in almost the same fashion, and she said to me that it was worse for her than childbirth. I have no idea if she was just saying that to make me feel better, but I don’t wish that level and intensity and duration of pain on anyone, not even Donald Trump,” one commenter posted.

Another user replied, “Kindred souls, I guess (esp your last statement, haha). I came in after biting into a chicken strip of all things, but I can only describe the feeling as like someone shoving a razor blade into my gums. It shot a shock throughout my body. The dentist looking at it, said, ‘I don’t know if I’ve ever described a tooth as angry, but this tooth is angry.’”

14. Opioid Withdrawals

Photo Credit: Shutterstock.

One person shared, “Opioid withdrawals.”

Another user replied, “This is an interesting reply. That’s probably a type of pain that’s hard for most people to conceptualize. The mental aspects of it must be crazy too.”

“I came up with it because I’ve been through it myself. Most women I’ve spoken to said they’d prefer childbirth over it. It’s awful,” one Redditor commented.

15. Broken Femur

Photo Credit: Shutterstock.

One user posted, “Getting your femur broken.”

Another user replied, “I broke my lower leg playing baseball. It was like Moisés Alou’s leg break, except it was done by a kid attempting a take-out slide on me. I snapped my tibia and fibula and dislocated my ankle. My hospital roommate broke his femur dirt biking. He had to get surgery. I think the hospital staff put us in the same room to humor themselves. He couldn’t make it through the night. He was in so much pain. The nurse put him on an opiate drip. His cast also had to suck because it went all the way up to his hip and groin.”

Do you agree with the things listed above? Share it below!

Source: Reddit.

These are 10 Things That Completely Destroyed The Love in a Relationship

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There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!

10 Actors and Actresses People Refuse to Watch Ever Again

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We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!

Top 10 Worst Human Inventions of All Time

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Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.

10 Famous Celebrities Who Look Like They Smell Terrible

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We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

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Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.

About the Author

Source: financequickfix.com

Apache is functioning normally

July 28, 2023 by Brett Tams

The next wave of real estate technology will bring exciting new possibilities for solving some of humanity’s biggest problems. From co-living and affordability fixes to helping solve social issues faced by a large segment of society, today’s innovators are rethinking the way we work, play, and live. Here’s a look at a few smart startups that are taking a broader approach for addressing our needs through communal thinking.

Manhattan bridgeview from Washington street Brooklyn New york

Despite a digital movement that’s grown up through social networking, globalization, and an ever increasingly interconnected world, real community has slipped through our grasp these last few decades.
The millennial generation, along with the younger cohort who about to enter the workforce in the era of smartphones and laptops, they’re ironically the loneliest and most disconnected group in history. A recent nationwide survey by health insurer Cigna reveals epidemic loneliness in the U.S. This study, and others, reveal the importance of human connectedness and real community that must be rejuvenated.

This is where startups like The Assembly and The Riveter come in offer special classes, free member events, and a speaker series to help in building connections. Then there’s a startup called HubHaus that uses roommate matching algorithms to help people locate their next home and to select the people who live in it. There’s also a startup that provides dormitories for adult professionals. StarCity is all about co-living focused on not just “place,” but on finding their housemates, build relationships, and collective caring for helping each other. And there’s New York-based Ollie, which offers fully hotel-style, furnished studios and shared suites replete with luxury amenities and even curated events. And the list goes on, and on.

All these and more innovations aim to solve for regenerating community, while at the same time helping to fix America’s longstanding housing and rental crisis. Not everyone knows, but more people in America rent today than at any time since the mid 1960’s. This is ironic too, since it was the mid 20th century when co-living was the fashion. As David Friedlander put it in a 2015 story for Life Edited:

“In general, there’s a growing market for minimal, all-inclusive, affordable, community-centric housing.”

Taking the trend a step farther, this story at urbanNext predicts that
“by the fourth decade of the 21st century, 70 percent of the world’s population will be urbanized.” The report goes on to frame the larger problem that will arise out of the ever-increasing cost of affordable living space. In the years to come billions of people around the world will grapple with how to find and pay for a place to live.

This digital age has cause us to redefine much of what we considered conventional wisdom. The desire for home ownership, long thought of as the “American Dream,” is one of these conventional ideas. It’s high time we reconsidered our individual and collective dreams in order to create a healthy and sustainable future for us all.

Phil Butler is a former engineer, contractor, and telecommunications professional who is editor of several influential online media outlets including part owner of Pamil Visions with wife Mihaela. Phil began his digital ramblings via several of the world’s most noted tech blogs, at the advent of blogging as a form of journalistic license. Phil is currently top interviewer, and journalist at Realty Biz News.

Apache is functioning normally

July 27, 2023 by Brett Tams

When it comes time to move, hiring movers is a convenient option that allows for a quick, stress-free experience. Not only can they move your items from one house to another, but they often provide additional services like boxing up your items and even unpacking them in your new place so you don’t have to lift a finger.

As a general rule, you shouldn’t skip tipping movers. They work in the service industry and should receive a tip based on overall service, similar to restaurant workers. Building a tipping budget into your moving expenses can help you show appreciation for the service provided. Here’s everything you need to know about tipping movers.

How much to tip movers

We’re used to tipping between 15 and 25 percent at restaurants, but tipping your waiter is different than tipping movers. Moving companies don’t operate the same way as restaurants and workers don’t rely mostly on their tips to make money. Movers are usually paid by the hour already, making tipping a nice gesture, though not required. However, they’re also working in the service industry like restaurant workers, and it’s generally acknowledged that you should tip service industry workers.

A good rule to keep in mind for general reference is $5 per mover per hour. Or, if you want to use the total moving cost, you can tip between 5 to 10 percent of the total bill for the entire team of movers to split.

Things to consider when tipping movers

Various factors will affect how much to tip movers. Not every move is equal and, therefore, tipping will vary. A half-day move is a lot less work than a two- or three-day ordeal. Here are a few factors that can help you decide how much to tip movers.

How many professional movers are working with you

If there are only a couple of movers that come to help you move an entire house, that means they’ll each be doing a lot of heavy lifting. On the other hand, if you’ve got a big professional moving team with lots of movers to help out, it’s likely their individual workload will be a little lighter and less strenuous.

If you’re looking at it from an individual view, it would be more appropriate to tip the smaller group of movers each a little more than if there’s a large group. You may even want to decide upfront that you’ll tip a certain percentage for the entire move, then divide that amount by the number of movers.

If the movers pack boxes for you

You might hire a professional moving company to do everything for you from beginning to end, including packing all of your things into boxes. This is a time-consuming and strategic process since it requires good organization and additional time to wrap fragile items, place them into boxes in a way that won’t break them and get boxes labeled so they’re easy to unpack.

If movers are packing boxes for you, it’s best to tip them for the extra work! Keep in mind that if you’re moving far away, there are possibly separate crews for packing your belongings into boxes and loading and unloading the truck. You’ll want to check with the moving company to make sure you’re tipping each crew accordingly.

Large or heavy objects

Movers that take care of really big or heavy items have a risky job — they’re careful and strong to make sure they don’t do any damage to the items or to the home as they move things in and out.

When you’re tipping a crew that moves large, heavy furniture, remember that they have a stressful and important task. If they do it well, it will save you from paying for a new item or repairing your home. After all, if piano movers drop a grand piano on the floor, it’s going to do some damage all around. But, a good mover will ensure that doesn’t happen and you can show your gratitude for a job well-done with a tip amount that reflects your gratitude.

Size and number of boxes

No matter how many or how few boxes and belongings you’re planning on moving, it’s going to take at least a few trips in and out of the house to get it all. However, the size and number of boxes can make a difference. Lots of big boxes might seem like it will be quicker and you can take fewer trips in and out to get them loaded. But, if they’re too bulky or heavy, it will take longer to move them as they might require moving slowly or more than one person to lift them.

Opposite that scenario, you might have a lot of little boxes to avoid things being too heavy, and lots of boxes mean lots of trips, even if they’re small and you take a few at a time. You need to find the sweet spot between the size of boxes and the weight of the objects they hold to ensure the movers are efficient.

Distance of the move

A quick local move is very different from a cross-country move. Usually, local moves will take much less time than a long-distance move. And, you’ll likely have the same crew helping you load your stuff from your old place and unload at your new home.

But, if you’re moving across the country, there’s a good chance you’ll work with multiple crews. One crew might pack your items into boxes, another will load your stuff into the truck. A separate crew may transport your items, with a different crew unloading the truck when you reach your destination. That’s a lot of long-distance movers and a lot of time spent helping you. Make sure you factor that in when deciding how much to tip movers.

Length of the move

You can typically expect long-distance moves to take more time. But, there are cases when shorter distances actually take more time. This is dependent on the number of items or boxes you’re moving or if you end up waiting around for one reason or another.

Being unorganized as a customer and not planning anything out can end up taking longer, especially if you have a partner or roommate that you’re moving with. If you constantly have to ask your partner or roommate where something is going and then relaying that information to the movers, it’s going to take a long time to get things settled.

And, if you do end up waiting around at any point, don’t assume you shouldn’t tip your movers for that time — although they may do much, they’re still spending their time there and it keeps them from working on other potential moving jobs that they could make money from. Be considerate of not just the effort, but the total time movers spend helping with your move. They don’t want to stand around for a half day just as much as you don’t.

The overall difficulty of the move

There are other elements to think about when considering how much to tip movers. Keep in mind the difficulty involved for your entire move when you tip movers. The number of rooms, size of the house, flights of stairs and even the weather conditions.

Going up and down multiple flights of stairs in hot weather is not ideal. Even the most hardworking movers will have difficulty with it. Movers expect to deal with some hard scenarios on moving day. But, getting a good tip for extra hard work and great service is greatly appreciated.

How to tip movers

The method of tipping will depend on what you have on hand and the movers. Tipping etiquette is very casual and flexible. Whether you carry cash or keep it electronic, there’s a way for you to tip movers.

Cash tip

Cash tips are almost always the easiest way to make sure the people actually helping with your move get the exact amount you want. When you’re handing the money directly to each crew member, you’re guaranteed that they’re getting the appropriate amount.

Credit card tip

Many companies will allow you to add a tip when you pay for your move with a credit card. Most moving companies will pass the tip along to each moving crew member in some way. But, it also might mean that the company takes a shared percentage.

Cash apps

As we continually move away from cash in our society, cash apps work just as well! You’ll need to see if the movers have accounts on the cash apps you use so you can tip directly. But, most people use the same cash apps, so it’s probably not too big of a barrier.

Contact the moving company

If your move went well, but you pre-paid or forgot to tip your movers, you can contact the moving company. They’ll give you the best option for tipping. And, they should have a record of which crew members moved you so you can ensure the right people are getting a tip from you.

Food

It’s not quite the same as giving money, but most movers appreciate any food you provide! You can provide food as an extra “thank you,” though you should give it in addition to a monetary tip. You can offer smaller snacks and sports drinks. Or, if you’re ready to really good the extra mile, hold a crew lunch and give a meal like pizza or another takeout.

When to tip movers

The best time to tip movers can depend on a few factors. There’s not one “most appropriate” time to tip movers. You’ll have to decide when is the best time for you to tip your movers.

Before you move

If you want to make sure your moving crew does a great job, you can give a tip upfront to motivate the moving team. However, they might provide poor service and you may feel like you gave a larger tip than necessary. Or, they might have done better than you expected and you feel you haven’t tipped enough.

During the move

Especially if your move is long and far and you know you’ll be working with multiple teams, you can opt to tip long-distance movers throughout the process. You’re showing appreciation for the work that’s already been done. And, you’re giving a little extra motivation for the movers to keep doing good work.

You’re also making sure that you tip the right people for the time they work. Some might only work for a few hours, while others are there the entire day. You don’t want to miss the chance to tip if someone leaves earlier than anticipated.

After the move

Tipping after the move is a safe bet because you’ve seen the work from beginning to end. You can gauge how well every part of the process went and tip accordingly.

Tipping is appreciated for a job well done

Tipping isn’t mandatory in the moving industry. But it’s a nice gesture to acknowledge that the moving company did an exceptional job and that you’re grateful for their work. After all, moving is strenuous. And, moving crews a nervous as they handle belongings that aren’t theirs and do a lot of heavy lifting. It’s nice to give them some extra appreciation for helping you through the moving process.

Source: rent.com

My First Apartment Mistakes

Big Items for Your First Apartment Checklist

1. Mattress

2. Bed Frame & Headboard

3. Couch

4. End Tables and Lamps

5. Dining Room Table

6. Kitchenware

7. Patio Furniture

8. Grill

9. Storage Items

10. Decor

How do I prepare for my first apartment?

First Apartment Checklist for Bedroom

First Apartment Checklist for Kitchen

First Apartment Checklist for Living Room

Technology for Your First Apartment

First Apartment Checklist for Bathroom

Cleaning Your First Apartment

Things you need for an apartment that you wouldn’t think of

Renter’s insurance is instrumental for various reasons

How do I budget for my first apartment?

Step 1: Make a Budget

Step 2: Save Money

Step 3: Start a Side Hustle

First Apartment Tips

1. Make a list of apartment essentials

2. Consider your budget

3. Research apartments

4. Check apartment listings for features and amenities

5. Think about the size and layout of the apartment

6. Look for apartments with good security

7. Make sure you get a good deal

8. Talk to the management and make sure you understand the rules

First Apartment Checklist PDF

FAQ

Now Get Moving with your Apartment Shopping List!

1. Not Admitting When You’re Wrong

2. Mocking Someone Else’s Achievement

3. Belittling Others

4. Backstabbing

5. Humble-Bragging

6. Never Apologizing

7. Social Media PDA

10 Celebrities Who Are Universally Disliked

These 7 Celebrities are Genuinely Good People

15 Cover Songs that are Better than the Original

These 11 Movies Are So Bad You’ll Wish You Could Unsee Them

About the Author

Iowa housing prices

Ames

Davenport

Des Moines

Sioux City

Waterloo

Iowa food prices

Iowa utility prices

Iowa transportation prices

Citibus in Davenport

DART in Des Moines

Iowa healthcare prices

Iowa goods and services prices

Taxes in Iowa

How much do I need to earn to live in Iowa?

Living in Iowa

The Cost of Living Index comes from coli.org.

The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of July 2022.

Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Hobbled by Helicopter Parenting

Repay your way. Find the monthly payment & rate that fits your budget.

How to Deal With Helicopter Parents

Adjust How You Engage

Ask for a Coach, Not a Problem Solver

Take the Long View

Ask for Your Own Bank Account

Create Boundaries on Student Portals

Take a Bigger Role in College Finances

The Takeaway

Connecticut housing prices

Hartford

Repay your way. Find the monthly
payment & rate that fits your budget.