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Fun-Loving Bev Petersen Shares Her Good Humor With Fellow Genealogists Through Lighthearted (And Useful) Products
"I love genealogy more than anything, other than people, of course. As a hobby, it's something you can pick up any time. It's part of my art love, but I'm not an artist," Bev Petersen explained. Then her mouth widened in a cheerful grin. "I am,...
Is RecoveryPets.Com All That Its Cracked Up To Be?
Many pet owners will say no to this question, but that is only until their pet is lost, and it is found five miles down the road by a total stranger that has no idea how to contact the pet owner. So the next day on their way to work they decide to...
Large Size Shoes Don’t Always Have To Be Uncomfortable
Just because your feet are larger than the normal size of shoes that you see in the regular stores doesn’t mean that you have to pay exorbitant prices to have special shoes made just for you. Many online retailers specialize in large size shoes for...
The Sentimental Meaning Of Flowers
For me certain types of flowers bring back a flood of memories. I remember in my early teens visiting my best friend who had moved to the country. We would spend hours in the field next to her property, talking and picking the petals of daisies...
Use a Leash For the Love of Your Pet
The importance of walking your pet on a leash. Many owners don’t even realize the possible dangers that await their unsupervised dog. You should treat your dog as you would your toddler. You wouldn’t let your 2-year-old play outside without any...
 

How Much Rent is Too Much Rent?

You want what every apartment renter wants: the most comfortable surroundings you can get for the lowest possible monthly rent. Some of today's newly constructed apartment communities have taken luxury to an entirely new level. Some complexes have gas fireplaces, TV monitors by the front door, drive-through mail service, and office equipment for their tenants, among other creature comforts. Every renter has to consider the importance of amenities like these. Are they important enough to you to merit a rent increase of perhaps $200 more than the rent you pay now, at a modest yet affordable complex? While some of us consider an apartment as just a place to hang one's hat, others place a premium on home surroundings. But how do you determine how much you can stretch your budget -- without ending up in the poorhouse in the process?

One suggestion, provided by Metropolitan Life Insurance Company, is to spend no more than 25 percent of your monthly gross income on your rent. For example, if your annual salary is $30,000 per year, or $2,500 per month, you shouldn't plan to spend more than $625 per month on rent. And although it goes without saying, it's important to remember that the extra money you allocate for rent in a slightly more upscale complex means less money for your other expenses -- utilities, loan payments, entertainment, food, and most important, savings.

Here's a short checklist of factors, provided by Florida-based Apartment Hunters, that you'll want to consider when checking out a neighborhood. Of course, some of these factors may mean more to you than others, and you may want to consider some additional factors of your own.

* Is it close to your place of employment?
* Is the neighborhood safe?
* Is it close to a good school system?
* Is it close to your church?
* Is it close to stores, banks and the post office?
* Is it close to public transportation?
* What are the parking regulations (if you own a car)?

First-time apartment renters share one thing in common: surprise at just how many hidden expenses they encounter. Hiring movers and paying your first month's rent only represent two small pieces of what can be a rather expensive pie. In addition, you're going to be subjected to a credit check, and you're required to prove that your


gross monthly income is at a certain level, in order to provide your complex with some degree of security that you can pay your rent each month. So if you've overestimated your financial abilities in the past, either failing to make rent payments or credit-card payments, now is the time when that history could come back to haunt you. Here's a brief run-down of some of those hidden expenses -- and pre-move procedures -- of which many renters either aren't aware, or that they overlook in the excitement and bustle of moving:

Security deposits. Security deposits range from $100 to a full month's rent; the average deposit is approximately $250. Some apartments require separate deposits for roommates. Credit application fees are generally $10 to $35.

Verifiable income. Verifiable gross monthly income is at least three times the monthly rent. For example, a rent of $500 would require a minimum of $1,500 gross monthly income.

Credit check. A credit check will be conducted by the apartment community or management company representing the community.

Rental history. Any previous rental history will be verified, and mortgage payments may be included as rental history. Additionally, some communities are also conducting criminal background checks.

Leases. All apartments require a written lease. Lease terms typically are seven to 12 months. Most leases are written for 12 months. Shorter lease terms and month-to-month options often are available at premium rates.

Utilities. You rent will often include sewer, water, trash, and pest control. Gas and electricity are almost always paid separately by the tenant.

Pet deposits. Although many apartment complexes allow pets, they require residents to pay dearly for the privilege of setting up house with Fido. Pet deposits are stiff, and tenants are charged per pet. Deposits range anywhere from $100 to $300 per pet, and either all or a portion is nonrefundable. Some complexes charge additional rent for pets -- on top of the deposit. Pet size is commonly restricted to 20 pounds and 12 inches in height, although some communities do allow larger pets.


About the Author

Since 1989 dan the roommate man has helped 1000's of people find roommates. Need help? Contact him at 800-487-8050 or www.roommateexpress.com

 

PetSmart - Pet supplies and pet products for healthier, happier pets
Offering food, treats, collars, leashes, health products, shampoos, medication, toys, carriers, housing and other supplies for all pets.
www.petsmart.com
 
Pets 4 You.com - Dogs | Cats
A large resource for animal enthusiasts with a directory of breeders and links to sources offering pet supplies and products, and to rescues and shelters.
www.pets4you.com
 
Yahoo! Pets
Learn how to care for a new pet. Find information about breeds or adopt a dog. ... What questions on pets or pet nutrition do you have today? ...
pets.yahoo.com
 
Welcome to Healthypet.com!
Pet care resources by the American Animal Hospital Association to find a veterinarian, veterinary clinic or animal hospital for pets and provide pet care ...
www.healthypet.com
 
Dogs & Puppies - Next Day Pets
Directory of breeders and shelters with dogs and puppies for sale and pets for adoption. Search dogs and puppies by breed with information on 150+ dog ...
www.nextdaypets.com
 
Petfinder.com: Adopt a pet and help an animal shelter rescue a ...
Adopt a pet dog or cat from animal welfare organizations across the country.
www.petfinder.com
 
Welcome to Neopets!
A virtual pet website where visitors may adopt and care for pets, as well as play games and participate in contests, communities, and combat simulations.
www.neopets.com
 
Chicago Tribune | Pets
Click one of the buttons to show pets within that category. Click here to show all pets for sale. Search Tips. (e.g., Beagle, Persian) ...
www.legacy.com
 
Pet - Wikipedia, the free encyclopedia
A pet is an animal kept for companionship and enjoyment, as opposed to ... Some horse-like animals are suitable for human companionship as pets or as work ...
en.wikipedia.org
 
Pets - Pet Breeders Pet Information Pet Classifieds
Pets - Pet, Hobby and Show Animals Pets Online Has Puppies For Sale, Pet Products, Pet Shops.
www.mypets.net.au
 
Defra, UK - Animal health and welfare - Bringing pets to Britain
Travel guide and information on qualifications, requirements, and fees for bringing a pet into the UK.
www.defra.gov.uk
 
Defra, UK - Animal health and welfare - Pet Travel Scheme
The Pet Travel Scheme (PETS) is the system that allows pet dogs, ... For travel to France, the passport also replaces the PETS 5 certificate. ...
www.defra.gov.uk
 
Indiatimes - Pets
/photo.cms?msid=968871. You can post him queries and problems about your pets. ... Other beautiful animals: pets, wild cats & butterflies. PET ZODIACS ...
pets.indiatimes.com
 
AVMA Care for Pets Home Page
Articles that tell how to select a pet, how to care for various types of pets, and how to cope with the death of a pet. Includes a section just for kids.
www.avma.org
 
Dog and Pet T-Shirts and Gifts at CafePress.com : Shop Over 35 ...
Pet Gifts. Pet Gifts. Pet owners unite with fun t-shirts, hats and more. See all results... Categories within Pet Gifts ...
www.cafepress.com
 
Pet Lover Gifts : Find & Buy Gifts at CafePress.com
Shop millions of unique and custom pet designs - such as dog, cat, bunny, horse and other animals - available on t-shirts, mugs, mousepads, posters, ...
www.cafepress.com
 
PETS 911 ­ pet adoptions thru local animal shelters
Offers hotline for lost and found pets, adoption, veterinarians, and animal shelters.
www.pets911.com
 
Pets
Most of us think of adopting pets for all the wrong reasons.. as a ... Pets has a way of listening without judging and loving its owner unconditionally. ...
www.webindia123.com
 
Mara Pets Games - Play Free Flash Games, Dress Up Games and ...
Mara Pets Games is a free virtual pet site with fun flash games and character dress up games. Three new games weekly!
www.marapets.com
 
Canada's pet information center for dogs cats and humans
Canadian pet information centre, featuring articles, bulletin board, dog breed profiles, cat breeds, and ask the vet sections.
www.pets.ca
 
 

 
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