ALBANY — New York lawmakers want to ban facial recognition technology on all rental properties, arguing it infringes on tenant privacy. New legislation would outlaw landlords from being able to “obtain, retain, access or use” the machinery on residential premises. Violators could face up to $ 10,000 in penalties if the bill passes. “New Yorkers have… Technology News & Reviews | New York Post
OHMYGOSSIP — Dame Joan Collins is “very shaken” after a fire broke out in her apartment.
The ‘Dynasty’ star and her husband Percy Gibson are both “unhurt” after the blaze took a hold of the guest suite at their London home on Saturday (13.04.19).
A representative for the actress told People magazine: “The fire broke out yesterday. They were both in the apartment. Joan smelt some smoke and Percy went out to investigate. They discovered that the guest suite was on fire. Percy had two of those fire extinguishers in the apartment so he rushed in to start putting the fire out and Joan called for the fire brigade to come.
“Percy had kind of controlled most of the fire. They escaped the fire unhurt, but obviously shaken up and distressed from the whole thing. Percy really saved the day. He was the one who put the fire out and took control until the fire brigade arrived. The couple are doing better today [and will be going back] to see exactly what damage has been done and how they can put everything back together again.”
And taking to social media, Joan has thanked the fire brigade for putting out the blaze and the ambulance crew who “comforted” her.
She wrote on Twitter: “THANK U from the bottom of my [heart] to the marvelous @LondonFire who attended to the terrifying fire yesterday in our flat. #threealarmfire My hero Percy had already doused the flames consuming the entire wall with handheld extinguisher (#donttakethisrisk). #gratitude #firefighters … And thanks also to the @NHSEnglandLDN #nhs #emt #Ambulance crew who took care of our smoke inhalation and comforted me. And the wonderful @metpoliceuk who kept the street closed and everyone safe. #gratitude (sic)”
Living on your own is blissful. Paying to live on your own? Not so much.
Renting your first place is a huge step on the path toward adulting, but if you don’t know how to save for an apartment, it can also drain your bank account and cause a bunch of headaches.
If you’re ready to make that leap to become a first-time renter, here are all the factors you need to consider so you’re financially prepared when you go apartment hunting.
What Can You Afford to Spend?
Your rent will very likely be your largest single expense each month. But you don’t want to spend more than your annual income can support.
A good rule of thumb is that your rent should be no more than a quarter to one-third of your take-home pay. For example, if you bring in $ 3,000 per month, you should be looking for apartments in the price range of $ 750 to $ 1,000.
If you find a great place for even less — awesome. But trying to get a place that exceeds that price threshold could put you in a financial crunch.
Potential landlords will want to verify you’re making enough money to afford rent, so you’ll typically be asked to provide pay stubs as proof of income. If you’re just starting a new job, you may be asked to provide the offer letter from your new employer that includes the salary you’ll be making.
Property managers may also look for renters who have good credit scores. A good credit score shows you have a history of paying bills on time and aren’t carrying a high debt load.
Defaulting on your student loans, letting your cell phone bill go into collections or maxing out all your credit cards are actions that could cause a landlord to deny your rental application. Your apartment manager wants to see you’d be able to handle the financial responsibilities of renting a place on your own.
If your income isn’t high enough or your credit is less than stellar, that doesn’t mean it’s impossible to rent an apartment.
Some property managers will allow you to get someone to co-sign your lease. This would be someone, like a parent, who wouldn’t live in the unit but would be able to meet the income or credit requirements and would be on the hook for paying your rent if you aren’t able to.
Alternatively, the rental owner might ask you to provide a larger security deposit, pay an extra month’s rent upfront or pay higher rent than someone with better financial standing.
The Upfront Costs of Renting an Apartment
Finding an apartment you can afford is only one step toward getting a place of your own. You’ll also need to save a significant sum of money upfront.
Make sure to consider these costs when searching for your new home:
This is the cost property managers charge you to have your rental application processed. You can expect to pay between $ 25 and $ 50, but it could be more depending on where you live.
This fee is usually nonrefundable, meaning you won’t get it back if you choose not to live there or if your rental application is denied. Make sure you tour the unit — or a model unit — before submitting an application.
This is the money the landlord keeps in reserve in case you don’t pay rent or leave your apartment in an unsatisfactory condition at the end of your lease.
Your security deposit could be as low as a couple hundred dollars, or it could be the equivalent of one month’s rent. Generally, if your apartment is in good condition at the end of your lease, this deposit will be refunded back to you.
If the landlord has to fix significant damage, you might get a partial refund or none at all.
First Month’s Rent (and Possibly Last Month’s Rent)
You’ll need to have your first month’s rent upfront when you move in. Some rental property owners will also ask you to provide money to cover your last month’s rent.
If your move-in date isn’t at the beginning of the month, it’s possible your rent will be prorated for that first month, meaning you’ll only be responsible for paying a portion of that month’s rent.
If your furry friend will be living with you in your new place, you could be asked to pay an additional couple hundred dollars upfront. Some landlords will charge a flat fee, while others will have you pay a refundable deposit that you will get back at the end of your lease, provided your pet has caused no damage.
How to Calculate the Cost to Move
Moving can be an absolute pain — and we’re not just talking about the logistics of packing up your belongings or the physical labor of moving heavy boxes and furniture.
Moving comes with its own set of expenses that need to be factored into the cost of renting a new apartment.
Moving costs will vary widely depending on your situation. For instance, you may want to hire professional movers if your new apartment is a third-floor walk-up.
When asking yourself if you can afford to move, consider the following expenses:
Boxes and moving supplies: If you don’t have any boxes of your own or can’t borrow any, you could purchase them from businesses like U-Haul or Home Depot for $ 1 or $ 2 per box. They also sell extras like packing tape and cushioning material.
Moving truck: A local move with a small truck might cost you $ 20 to $ 40 plus mileage and fees. Or you could end up paying several hundred dollars for a one-way drop-off if you relocate across state lines.
Professional movers: You could pay as little as $ 25 per hour per mover for help with a local move. Or you could pay a company a couple thousand dollars to ship your belongings cross-country.
Making Your Place Feel Like Home on the Cheap
If you’re moving into your first place, you probably don’t have a bunch of furniture. That’ll save you on moving costs (win!), but it also means you’ll face the expense of decking out your new home.
If you’re itching to fill up your apartment like a perfectly staged HGTV home, take a deep breath and practice some restraint. You’ll be dealing with enough costs as it is.
First, focus on move-in expenses like toilet paper, cleaning supplies and a shower curtain — plus pizza and beer. Then turn your attention to the basic necessities like a bed, pots, pans and maybe a table and chairs to have meals. Get the rest of what you need over time as your budget allows.
Check garage sales, thrift stores, Goodwill or pawn shops for low-priced items for your new home. Retailers like Walmart, IKEA, HomeGoods and Big Lots are known for low prices, as well as online sites like Wayfair and Overstock.
Budgeting for Living Expenses
Your rent won’t be the only monthly expense you’ll face after moving into your new apartment. If you weren’t previously responsible for paying household bills, you’ll have a great deal of recurring costs to get used to.
Here are some common monthly expenses to expect:
Water and sewer
The cost of your monthly living expenses will vary, but you should plan to budget at least $ 200 to $ 300 for the above expenses. Ask your landlord if any of these costs are included as part of your rent. For example, some apartment complexes will fold water, sewer and trash services into the cost of rent.
When it comes to utilities like water and electricity, some providers may ask you to put down a deposit before services get turned on. Usually, that money is refundable.
You can also expect to pay an installation fee to set up services like cable or internet. That expense is generally nonrefundable.
If you opt for any extras — like outdoor storage or washer and dryer rental for your apartment — you’ll be paying more each month.
And in addition to that pet deposit we mentioned earlier, some landlords will charge renters as much as an extra $ 50 to $ 100 each month per pet.
When you create your budgeting worksheet, don’t forget to include a line item for an emergency fund. It’s good to set money aside each month, because the bills won’t stop if you lose your job or can’t work temporarily due to an illness or injury. Financial experts recommend having between three and six months’ living expenses in an emergency fund.
If you can’t find room in your budget for savings, you need to evaluate your income and expenses. You’ll either need to increase your income or reduce your expenses.
6 Tips for Saving Money on Renting an Apartment
All the costs involved with renting an apartment may have you wanting to renounce the entire idea of living on your own. But don’t be discouraged. The sweet freedom of having your own space can be so worth it.
As you financially prepare yourself for your next big step, here are some money-saving apartment tips to keep in mind.
Look for rental specials. Some apartment managers run specials, such as free rent for your first month.
Factor in all the amenities of the apartment complex and neighboring area when choosing a place to live. Let’s say one apartment option is $ 900 per month and includes access to an on-site gym and is in walking distance to work and a grocery store. Another apartment costs $ 800 but requires you to have a car and keep paying for your gym membership. You may find the more expensive apartment to be a better deal when you look at the entire picture.
Talk to your potential landlord in advance if you think you have an issue, like a poor credit score, that would cause your rental application to be denied. The landlord may show leniency. And if not, you can get confirmation that your application will be denied before wasting money on an application fee.
Rent the apartment with a roommate. You can save significantly by splitting costs with a roommate (or several). Just make sure you discuss in advance who is responsible for what and establish some ground rules to maintain the peace.
Do a thorough walk-through before moving into your apartment unit. Bring any existing damages or other issues you notice to the property manager’s attention. Though it may not help you save on the apartment upfront, you’re more likely to get all of your security deposit back when you move out if it’s noted that those scratches on the hardwood floor existed before you moved in.
Look into public assistance options if your income can’t cover the average cost of housing. The U.S. Department of Housing and Urban Development provides resources for rental assistance programs — such as Section 8, public and privately owned subsidized housing — to make housing affordable to low-income people.
Nicole Dow is a senior writer at The Penny Hoarder. She’s lived in five different rentals over the last 10 years.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
R. Kelly could soon come face-to-face with the family of one his alleged “sex slaves” at Chicago’s Trump Tower — but only if they can get a posse of law enforcement to watch their backs. Gerald Griggs — an attorney who reps Joycelyn Savage’s…
A number of factors can influence a traveler’s decision in choosing between staying in a hotel or an apartment. Location, your budget, the duration of your stay, and how many people are being accommodated are some of the factors that can influence a traveler’s decision. Below are some pros and cons of each, in order to help you decide which option is best for you.
Benefits of hotels – no security deposit
Most apartments require a security deposit when checking in. Hotels usually don’t. Staying in a hotel can come in handy for impromptu travel, while apartments usually require some sort of advanced planning.
Benefits of hotels – check-in flexibility
A traveler can check into a hotel anytime because the front desk always has someone working. Apartments require you to organize your check-in time in advance since you will need someone to be available to provide you with the apartment keys.
Benefits of hotels – Comfort
Hotel beds usually are very comfortable and rooms are equipped with TVs so you can relax and unwind with plenty of entertainment. When it comes to the amount of space, however, hotel rooms are generally quite small.
Benefits of hotels – Meals
Hotel restaurant service can be quite comfortable and their meals are usually excellent. Breakfast is often included in the standard room price (and who doesn’t love a buffet breakfast?). However, you’ll have to eat out every meal because you won’t have a way to prepare your own food in a hotel. For shorter stays, hotels are a good choice. They offer flexibility and give you more time to deal with your business, appointments, or work without the hustle of taking much care of the room.
Benefits of apartments – meals
Apartments usually have fully equipped kitchens so you can always prepare and enjoy your home cooked food, whether with your friends or by yourself. This saves money on takeaway and restaurants. Be ready to wash the dishes and clean up after yourself, since some apartments may charge you an extra fee for any unwashed dishes left when your stay is over.
Benefits of apartments – privacy
Although some hotel rooms can accommodate up to four people, there is no privacy. Apartments offer various options and bedrooms. They often have separate rooms which can be quite convenient for purposes like business meetings while others are resting in their individual rooms.
Benefits of apartments – group activities
Apartments are the often the best option if you are traveling with your family or friends. There is plenty of communal space and it can be shared with everyone, offering more space and comfort. You will be able to have your own room, giving you more own privacy.
Benefits of apartments – offers additional amenities and services
Apartments often have wifi, washing machines, balconies, kitchen cutlery, utensils and glassware, and refrigerators. Communal facilities are also available in some apartments. Apartments are perfect for travelers who intend on staying for longer periods of time. You won’t have that cabin fever that sometimes happens when you are staying in a small hotel room because they tend to be more spacious.
In this week’s edition of white people never learn , a man that Twitter has named Hallway Hasselhof refused to let his Black neighbor into his apartment building.
“What are you doing in my building?” the white man asks. “You don’t live here.”
Chika Okafor posted video of the confrontation to social media noting that he was interrogated for the crime of existing in a white space as a free Black man. Writing that the man in the video “interrogated” him while he was waiting for a Lyft on the first floor of his apartment building with a friend, who caught the whole exchange on video.
“I’ve lived here 27 years and I’ve never seen you,” said Hallway Hasselhof. Apparently, Okafor should have sent out an e blast informing everyone in the building that a Black man had moved in, to prevent a scene like this one from unfolding.
The white man was visibly upset that Okafor was not losing his composure because he folded his arms and stated “I can be as cool as you.”
“You left your MAGA hat upstairs, man,” the friend filming the heated conversation tells the man in the video.
Obviously this isn’t sitting well with Twitter who had a lot to say about Hallway Hasselhoff.
“What was with him criticizing you for being calm, collected and cool. These people can’t stand that a black man can be more dignified and cooler than they will ever be,” one Twitter user commented, Yahoo reports.
“If he was truly backing down to be neighborly, he would have done neighborly things like introduce himself or extend a handshake,” another person wrote. “His intentions were very clear.”
No word on what happened to Hallway Hasselhoff yet but we’re sure the Twitter detectives will identify him soon!
Nissan said it was seeking to block former chairman Carlos Ghosn’s access to an apartment in Rio de Janeiro, citing a risk that the executive, arrested and removed from his role for financial misconduct, may remove or destroy evidence.
http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News