12 Ways to Rent an Apartment for Less Money

Although I am a homeowner and have been for the past 40 years, I can still remember the days when I was a renter. While renting wasn’t so terrible, I do wish I had learned some of the things about renting that I know now that would have saved me time, money, and peace of mind. Hopefully, you can use this knowledge to save when you rent an apartment.

It's possible to get a discount when you rent an apartment, you just need to know how. Check out these 12 tips to help you save money.

Rental prices aren’t set in stone, even in highly competitive markets, so elbow grease and negotiation skills can yield hefty savings. One of the priciest cities in the country, San Francisco, today has an average price of a one-bedroom apartment of nearly $4,000 (!), so knowing a few tricks can definitely help.

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Giving Tuesday: How to Be Smart About Your Giving

This has been a difficult year for so many of us. Facing a terrible pandemic, many of us have been sick, or have lost someone close to us, or have lost our source of income. And now we have the holidays upon us and some of us don’t have what we need. Some families are hungry and may even be facing homelessness. It’s a time for those of us who have enough to help by giving what we can. And that brings us to this coming Tuesday: Giving Tuesday.

Giving Tuesday is the perfect opportunity to give back to the community. With so many ways to give, these tips will ensure the best use of your donation.

We had Thanksgiving, and then for the shopping-minded we have Black Friday, Small Business Saturday, and Cyber Monday. But Tuesday, December 1, 2020 is Giving Tuesday and it is a time set aside for generosity and charitable giving.

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All About Banks and Why You Need One

It’s pretty amazing, isn’t it? You see banks on almost every corner, shopping area, and downtown every day. Why is it amazing? Well, honestly, when was the last time you set foot inside one? Truth be told, you may need the ATM to get some cash now and then, but going inside the bank itself, almost never. Any yet, there they are, by the dozens in “every town USA”, big and small. Why so many? Let me tell you all about banks and why you need one in the 2020s.

Do you know all about banks? Here's what you need to know and why it's important to have a relationship with a financial institution.

All About Banks – An Entity You May Not Understand

One thing that hasn’t changed much is that a bank is a financial institution licensed by the government to receive deposits and make loans. Banks usually provide financial services, too, such as wealth management, currency exchange, and safe deposit boxes.

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Winterizing Your Home: Prepare Now and Save

We all hear the news about climate change as well as the weird and sometimes disastrous weather patterns that seem to happen almost every day in some part of the world. It used to be cold in the winter and hot in the summer. That’s not always the case anymore and the temperatures here in New Jersey sometimes seem like they’re 60-something degrees almost all year round. I may be exaggerating, slightly, but the weather has changed. When I hear some weather guy reporting that the temperatures in September were the warmest ever recorded for the month, and that they’ve broken the record now seven out of the last seven years, we have to admit that global warming is having an effect, don’t we? But sometime that effect is bad winter storms, and you need to prepare by winterizing your home.

The seasons are changing and winterizing your home should be on your to do list. This checklist will help you prepare your home and help save you money.

That’s one reason I finally opened my wallet a few years ago and got the ball rolling on getting a new front door along with a storm door! I was finally ready (after freezing my rear end off for several years) to pull the cord and fix it. It has paid off in keeping us warmer and saving on our heating bill, enough to make me feel really foolish that I didn’t do it sooner.

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What Are the Best and Worst States to Retire in Today?

Retirement represents the end of one’s career, but it doesn’t have to be the end of your financial security. It also doesn’t have to mean a lower quality of life. Your decision of where to retire can make a big difference. There are still several good retirement options throughout the United States and if you had to make an educated guess about where, you would probably score fairly high on this little test. You just have to know what you want and what is being offered to you and connect those dots.

When deciding where to retire, there are many factors to consider. Here are some of those considerations as well as the best and worst states.

So what are the best retirement spots in the U.S. today and why are they so good?

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6 Ways to Increase Your Income Despite COVID-19

For today’s guest post on how to increase your income despite COVID-19, please welcome Forrest McCall from Don’t Work Another Day.

As we surpass 9 months battling the worldwide pandemic COVID-19, for many people their finances have been under pressure at some point along the journey.

Whether you’ve faced a layoff or have increased healthcare costs, keeping your budget intact has certainly been a challenge for many.

While the COVID-19 pandemic is causing job and income loss for many, there are still ways to increase your income. Check out these six ways to earn.

In this post, I’m going to help you find alternative methods to make money and increase your income despite the worldwide pandemic.

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What You Need to Know About Healthcare Open Enrollment Crunch Time

It’s that “happy” time again right now, healthcare open enrollment time. It’s a subject we don’t like to think about. If you are very, very lucky, you can avoid serious health problems now and maybe for years to come and not need health insurance. But seriously, back here on planet earth…that’s just not a good idea to go without it. Depending on how you obtain your healthcare, the enrollment period is now and officially ends in early December, so there’s no time to lose.

Healthcare open enrollment is here for most of us and it's time to select our coverage for 2021. Make sure you know what you need to select the best plan.

Healthcare coverage is critical to your finances as well as your health. Even if you are healthy now, an accident or sudden health issue could put both your well-being and your finances in jeopardy. That’s why right now is healthcare crunch time!

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Why and How Black Friday 2020 Is Different

Officially, Black Friday 2020 arrives on Friday, November 27th this year. Unofficially, it’s happening right now, and throughout the month of November. For example, Amazon continues to run early deals on Echo devices, many of them matching last month’s Prime Day prices. Things like Echo Show 8 for $65 is a spectacular deal right now!

With the coronavirus pandemic raging on, Black Friday 2020 may look a bit different than previous years. Check out the details you need to know.

But while great sale prices aren’t going to be changing when it comes to Black Friday, 2020’s version is shaping up to be a very different kind of shopping experience than any holiday shopping weekend in recent memory. So exactly how and why is Black Friday 2020 going to be different?

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