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7 Tips For Getting An Apartment With Poor Credit

Posted by on Apr 7, 2015 in Uncategorized | 0 comments

When you have bad credit, you will not just have trouble getting approved for loans; you may also find it difficult to get approved for an apartment. Many property management companies do credit checks on potential tenants before letting them rent an apartment. However, it is not impossible to land an apartment with less than stellar credit. Here are seven tips for getting an apartment with poor credit. Show Proof of Your Income If you can show a landlord at a place like Wynn Residential Apartments in Toronto that you make enough money to afford an apartment, you will have a higher chance of getting approved. When you turn in your rental application, do not forget to include pay stubs. If you recently started a job and do not have pay stubs yet, you can show the landlord your offer letter. Get a Co-signer Getting approve for an apartment with bad credit is easier when you have a co-signer. A co-signer is a person with good credit who agrees to be responsible for the lease if you stop making your rent payments. For example, a family member or close friend might be willing to co-sign on your behalf. However, make sure that you will be able to afford rent each month to avoid putting the co-signer in a tough situation.  Offer a Bigger Deposit Another way you can get approved for an apartment with poor credit is to offer a bigger deposit. If you have the funds, tell the landlord that you can give him a few hundred dollars extra for the deposit. A larger deposit will show the landlord that you are financially secure and serious about renting an apartment.  Provide a Letter of Recommendation If you have a good rental history, consider asking one of your previous landlords to write a recommendation letter for you. In the letter, your previous landlord could mention what a good tenant you were and how you always paid rent on time. If the landlord you are trying to rent from finds out that you were a good tenant, he may be more willing to approve you for an apartment. Seek a Private Landlord Private landlords are typically more lenient about credit than big property management companies. If a private landlord does do a credit check, be upfront with him. Tell him that your credit score is low and that you are doing everything you can to improve it. If you are honest with the landlord from the beginning, he may overlook your credit score and consider renting to you. Offer Automatic Payment Instead of sending your rent check through the mail, offer to give the landlord an automatic payment each month. The rent will automatically be taken out of your bank account every month. A landlord will likely feel a lot more comfortable if he knows money is scheduled to come out of your account. Suggest a Shorter-Term Lease Instead of signing a one-year lease, suggest a three to six month lease. This way, you can show your landlord that you can pay your rent on time each month. Once you prove that you are a good tenant, your landlord may consider renewing your lease. Getting approved for an apartment with bad credit is not easy, but it can be done....

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Five Things Avid Runners Should Look For In An Apartment

Posted by on Mar 3, 2015 in Uncategorized | 0 comments

You’re not just a runner for the hour you spend pounding the pavement every day. You’re a runner when you wake up and eat an extra bowl of oatmeal to get you though that morning’s tough interval workout. You’re a runner when you’d rather spend the evening rolling your calves than going to the theater with friends, and when you can’t wait to spend your Saturday exploring the new trails that just opened up at your local nature preserve. Running is more than a hobby — it’s a lifestyle. It’s important that you find an apartment that fits your lifestyle. Here are five elements of an apartment that will make life as a runner simpler, more enjoyable, and more convenient. Location near a spacious park. Even if you usually prefer to run on the streets, there are bound to be times when you want to just space out and run without worrying about dodging traffic. Parks are perfect for days like this. They also give you a nice place to congregate for runs with friends, and since runners tend to spend plenty of time in parks, you might meet some new friends, too. If you can find an apartment near a park with dirt trails, this is even better. Running on dirt is a nice break for your legs when you’re used to hard pavement. Access to sidewalks or a low-traffic streets from the front door. Some days you won’t have time to get in your car and drive across town to the park to run. You’ll be trying to squeeze in a quick 3 miles before work or school, and being able to just step out your front door and go is invaluable. Make sure the street you’re considering living on is safe, and that there’s not too much traffic. Also, drive around the neighborhood and start planing some possible running routes. Make sure you’ll have plenty of options for loops and out-and-backs, so you don’t get bored too easily. Washer and dryers available on-site. You can identify a runner by his or her laundry pile. The stack of shorts, singlets, and sweaty socks grows quickly, and if you have to lug it all down the street to the laundromat to wash it, you won’t have any time left to run! Having a washer and dryer either in your apartment or in the same building will save you a lot of time. You can do laundry while you stretch, eat a meal, or email your coach. A bathtub, not just a shower stall. When you’re looking at apartments, be sure to check inside the bathrooms. Some modern apartments only offer standing shower stalls, rather than combined bath and shower stalls. When you get back from a long run and your legs are sore, you’ll want to be able to soak in cool water or take an ice bath to speed recovery, and the bathtub is really the only place to do this. A fully-equipped kitchen. With people eating out more often than ever before, some efficiency apartments are beginning to offer scaled-down versions of kitchens in order to increase living space and save on appliances. These might work for some residents who are happy microwaving the occasional bowl of macaroni and cheese and getting the rest of their...

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3 Ways To Make A Furnished Apartment Your Own

Posted by on Feb 11, 2015 in Uncategorized | 0 comments

Renting a furnished apartment , through a place like H & R Properties, means you do not have to invest in new furniture, you can move in immediately, and you get to try out different types of furniture before you have to commit to your own style. Unfortunately, it also means that you will live in an apartment that has been decorated by someone else, who may or may not share your sense of aesthetics.  When you find a furnished apartment that fits your budget and needs, do not despair if the furnishings are not quite your style. Instead, consider whether one of these four methods could transform the apartment into your special haven.  Fix Colors and Patterns You Don’t Like With Slip Covers and Drapery  Perhaps you found an apartment that is perfect except for the lime green couch in the living room, or maybe the wood furniture looks a bit too rustic for your taste. There is a lot you can change by adding slip covers to chairs and couches or draping fabric over coffee tables and nightstands.  Slip covers not only allow your to add your own sense of style to your apartment, but they also protect your rental furniture from normal wear and tear or accidental rips and stains, which could be critical when it comes time to move out and you want your deposit back. If you do not want to invest in slip covers, a new throw pillow and blanket can add a splash of color to an otherwise drab room.  While you are considering fabric, don’t overlook the drapery in your apartment. Extending the current curtains to the floor or along the entire length of a wall can change the entire feel of a room. Alternatively, cafe curtains can open up a kitchen or dining room that feels a bit too tiny.  Don’t Be Afraid to Rearrange and Repurpose the Furniture  If the apartment you are looking at has an immense dining table that you will never use but lacks a desk, why not think about repurposing one end of the table as a space to study or work? Can the decorative baskets taking up space in the living room be use as a clothes hamper? If you get creative, you may find many of the pieces of furniture that seem to be taking up extra space are actually useful in your everyday life.  Also, if the layout of a room does not work for you, or the layout of the apartment, do not be afraid to move furniture into different rooms. Consider the basics of feng shui, which state that furniture placed in certain areas of a home either promote or block the flow of energy, and think about how the apartment would feel if the desk was moved out of the bedroom and the living room switched with the dining room.  Modernize the Space With Wall Decals  Vinyl wall stickers, also called wall tattoos are a non-permanent way to change the feel of a room. They will allow you to express yourself and modernize a room in your apartment, and when you take them off they will not leave any marks or sticky residue on your wall.  A well-placed wall sticker can extend the outline of a piece of furniture and guide...

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Buying A House? 2 Types Of Documents Your Mortgage Broker Might Ask For

Posted by on Feb 3, 2015 in Uncategorized | 0 comments

What will you need to buy your first home? Although most people arrive with a down payment, a pen, and a few paystubs, your mortgage broker might need a little more to lend you thousands of dollars. Here are two types of documents your mortgage broker might ask you for, and why they matter to your lender: 1: College Transcripts The entire purpose of a mortgage approval is for your lender to understand your ability to pay back your loan. To gauge whether or not giving you money is a good idea, your lender will look at several different aspects of your life, but mostly at your job history. Unfortunately, if you have recently graduated from college, your first few years in the job market might look a little different than they do these days. For example, if you didn’t work full time during your last year of school, you might not have made as much that year. To show that you weren’t just missing work to hang out at home and play video games, your lender might ask for copies of your college transcripts. These documents can be used to show that you were enrolled full time and that you were making good academic progress while you were in school. Your college transcripts can also be used to help a lender estimate your ability to get a different job in the future, should you find yourself unemployed. For example, if you work as a mechanical engineer and you had excellent grades from a stellar university, your lender might be more willing to give you money, since your track record represents a highly intelligent, reliable person. On the other hand, if you took seven years to graduate with that Art History degree and you work as a grocery store clerk, your transcript might not work in your favor. When you apply for a mortgage, understand that your college transcripts are fair game. To get a copy of these documents, contact your university registrar’s office. By referencing your social security number and dates of attendance, you can get the documents you need ahead of time.  2: Letters of Explanation Have you ever been the victim of an extenuating circumstance? Although life can get messy, your mortgage broker might have a tough time dealing with the fact that you took four months off of work, unless you can explain why. To account for difficult or unusual circumstances, your mortgage broker might ask for letters of explanation. These simple documents are essentially letters to your broker that clearly outline unique situations, so that they can make an educated, thoughtful decision. Here are a few instances when you might need to provide a letter of explanation: Name Changes: If you have changed your name due to a recent marriage or personal choice, your credit report might list information for a few different aliases. To show your mortgage broker that you are who you say you are, and that the financial data is yours, you might need to write a letter of explanation regarding your name change. Rent: Have you been living with your parents to save money or do you work in exchange for rent? If you don’t pay rent, you will probably be required to write a letter explaining why. Mistakes: Everyone...

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What The Millennials Are Looking For In Housing And Transportation

Posted by on Jan 22, 2015 in Uncategorized | 0 comments

Perhaps you haven’t noticed, but the members of the millennial generation have been changing the face of housing and transportation in Canada. Instead of a large house in the suburb with a white picket fence and a long commute, studies have shown that millennials are looking for housing that will allow them to walk, ride bikes or use public transportation to get around. That means if you are trying to sell a condo that is either close to or in the city, your unit will probably be very popular with this generation. So why is this change occurring?  Millennials are Ditching Their Cars Everyone needs a car, right? Not according to many in the millennial generation. There are a number of reasons why millennials are ditching their vehicles, including: A preference for mass transit. Many millennials are choosing to live in areas with easy access to mass transit. Other options. Today’s technology has made it much easier for the car-less to find transportation options. With the Internet, for example, millennials can order a ride-sharing car to come pick them up, often at a fraction of the cost of a standard taxi. In addition, there are also car and bike sharing programs available today that allow users to rent a vehicle for short — or long — jaunts. Cost. Some millennials no longer want to waste their money on car payments, insurance, fuel and — if applicable — parking spaces. Environmental reasons. There is a big interest in sustainability in the millennial generation, so many are choosing modes of transportation that don’t pollute, including bikes, buses and walking.   Delivery services. Today most everything is available online. Need pet food for your dog or groceries for you? You can have those things delivered right to your doorsteps.  They Want Environmental Friendly Housing The tides are reversing. Instead of people fleeing the cities for the suburbs, the millennials are moving back to the cities. In fact, millennials are fueling a huge demand for condos in Canada’s big cities. For example, the number of condos sold in Toronto in September 2014 rose by 20 percent as compared to sales from the same period in 2013, according to Business News Network.  Another popular housing concept is known as a pocket development. These are developments in the suburbs that offer everything its residents will need, such as restaurants, entertainment and shopping, within walking distance of housing, which are typically condo and apartment units. If you have a condo unit in or close to the city or that is located in a pocket development, it’s important to market to this generation specifically in your advertisements by:  Touting any commuter-friendly features that your unit boasts. For instance, mention in your ads if your condo is near a mass transit station.  Boasting about any sustainable options your unit or building has. If your building, for example, boasts solar power panels or uses plants on its roof for extra insulation, that may be of great interest to millennials shopping for housing.  Listing fun places to go, including bars, retail stores and restaurants, that are within walking distance to your condo. This is especially important to the millennials who have ditched their cars.  Playing up a condo’s relatively low maintenance. Many millennials don’t want to worry about mowing the grass or watering a lawn, which makes condo living attractive to...

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How To Teach Kids To Pack For Family Moves

Posted by on Jan 13, 2015 in Uncategorized | 0 comments

A big family move requires a lot of work and often involves hiring professional movers such as Jia Jia Intl Moving Inc to help complete the process. When children are a part of the moving process, the chance can arise to help teach them about responsibility, caring for objects, and learning the basics of packing. There are five different tips and methods you can implement to keep children busy during moving days. With these activities, children can have fun and stay out of the mover’s way. Moving Games Encourage proper packing and fun with a variety of moving games. These games are ideal for siblings to play against each other. Stack the Boxes: When packing soft items like clothes and pillows, the various boxes can be used in a fun stacking game. As each box is packed and labeled, children must try to stack them as high as possible. The child who can make the highest stack of boxes without it falling is declared the winner. Moving Scavenger Hunt: Have children prepare a special box of items that you need to have packed. By creating a scavenger hunt, children will love exploring the house one last time and find a lot of random items they may have forgotten about. Different items that you can include on this list includes special cups, old toys, or recreational items like a tennis racket. Easy Packing Supplies As children pack, it’s important to give them supplies that they can handle without much assistance. The following supplies are ideal for children and will help with packing. Newspapers: Old newspapers are great ways for children to pack toys, cups, and collectibles that they own. Not only will they enjoy wrapping the items, but they can go through the joy of unpacking them in a new home. Masking Tape: Duct tape is hard to rip and pull. For a child, masking tape is a lot easier to handle. It’s easy to rip off the tape and the masking tape works well with newspaper wrapping. Bubble Wrap: Children love the popping sensation of bubble wrap. Instead of giving them a whole roll, cut some pre-sized pieces that can be used for items like trophies and video game accessories. Donations Teach children the value of donating by setting a special box aside for donations. As children go through toys and clothes they can decide on the items they wish to donate. This will make unpacking in the new house a lot easier and help children let go of materialistic items they no longer need. During the move, the family can stop by a donation bin or center and see the impact that their donation has. Folding Supplies For children, one of the more challenging parts of packing is properly folding clothes. A folding board makes it easy to lay out t-shirts and fold them with a few simple steps. Every shirt or pair of pants can be folded the same way, making it easy to pack piles of clothes into boxes or totes. As children get used to the folding process, they can start racing siblings to see who can get the most shirts done in the quickest time. Room Planning Once the packing is completed, children can further stay occupied by planning out a new bedroom. Using...

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5 Ways To Make Your Business More Secure!

Posted by on Dec 23, 2014 in Uncategorized | 0 comments

Establishing a successful business is a full-time job. Unfortunately, many business owners find themselves so involved in the work that must be done to make the company grow and thrive that they neglect to take proper security measures to protect it. The businesses of today are far more advanced than those of just a few decades ago, but unfortunately, so are the criminals who seek to plunder them. Whether you are building a new business or growing an established one, this five-pronged approach to security can help you install and observe proactive measures to deter security threats from both inside and outside your company.  Secure Hiring Practices Choosing the right employees for your business is important. However, in addition to verifying their skills, education and experience, it is important for all applicants to undergo an extensive background check. This screening process should look for any violent or abusive issues in the applicant’s past, as well as any history of crimes such as identity theft, fraud or embezzlement. In addition, every applicant’s credit history should be obtained to look for any financial issues that might make them more likely to mishandle funds or sabotage the company. Secure Financial Accountability Practices Good accounting practices are necessary to keep company funds safe and help businesses avoid later issues. Make sure that all financial responsibilities are managed for utmost security by having at least two employees responsible for the company’s incoming and outgoing funds. One should be in charge of handling the money received and depositing it correctly. The other employee should be in charge of paying invoices and directing outgoing funds. Because each employee will have an intimate knowledge of work done by the other, there is a reduced chance of falsifying records or mishandling funds. In addition, each employee should be expected to record all transactions for periodic review by their department head to maintain accountability. Secure Information Practices Paper files can be difficult to keep secure. A better option, especially with secure or financial data, is to consider using an electronic file system that can be password protected for security. These systems can be set up so that sensitive information cannot be viewed by any employee who does not have the appropriate level of clearance to do so. If companies choose to keep some paper files and records, secure document management practices should be instituted, such as the use of bar codes that track how each document is handled and who views it. When paper files are retired or need to be destroyed, opt for secure disposal practices, such as crosscut shredding or incineration that will keep readable documents from being harvested from the business’s trash receptacles.  Secure Technology Practices Most businesses are now highly computerized for efficiency, but this convenience can also add security risks. Make sure that all company files are protected behind multiple levels of security and are only able to be viewed by the employees who need to access them. If employees use technology to access company files outside of the workplace, make sure that they understand and observe all technology security protocols when doing so.  Secure Site Practices The best methods of keeping the workplace safe relies upon infrastructure, technology and manpower. Businesses should fortify their infrastructure for physical safety by installing appropriate fences and...

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7 Things You Need To Know Before You Rent That Townhouse

Posted by on Dec 22, 2014 in Uncategorized | 0 comments

Finding townhouses for rent in your area or condo can be challenging. On your hunt for the perfect new place, you may run across professional leasing company agents as well as unprepared homeowners who need to rent for a variety of personal reasons. Knowing what to expect from your lease paperwork in advance will help you navigate both types of rentals with ease, while getting you the lease that you deserve.  1. Utilities: Not only should you know when the trash is collected, but you should have it in writing which utilities are your responsibility and which are the responsibility of your landlord. Some landlords take care of the water bill for the entire building, but expect you to pay for everything else. On the other hand, there are newer, hi-rise units that cover everything in the monthly rent, including basic cable and high speed internet.  2. Roommates: You may automatically assume that the choice to have roommates or not is solely yours, but you would be wrong. Many leases ban roommates, going as far as specifically stating that tenants cannot allow a guest to stay longer than two weeks. In fact, one woman found out the hard way that her lease did not allow for roommates when her own husband was forced to leave her apartment while home on military leave.   3. Repairs: It is inevitable. Something will break in the middle of the night. Knowing exactly who to call is important. In fact, it should be spelled out in your lease. While most landlords and leasing companies will handle the problem in a professional manner, some don’t. Read carefully. Your lease should also state what a reasonable amount of time is for repairs. No one wants to be without air conditioning during a heat wave or be forced to eat out for a week straight because the refrigerator broke. Rather than get in an argument later, get it in writing now.  5. Parking: In larger cities, like Toronto or Quebec, parking can be a big consideration. A townhouse or apartment for rent in those cities can charge a premium if there is an assigned parking space that accompanies the lease. Be sure to discuss all your parking options with your potential landlord before signing your lease. Cheap rent is not that cheap when you end up circling the block looking for a place to park every night or, worse, when you have hundreds of dollars in parking tickets each month 6. Quiet Hours: While it seems abnormal to tell a grown adult that they have to keep quiet hours after a certain time of the night, it is common practice in multi-family units. This may be frustrating to the wanna-be garage band with dreams of stardom, but the family with small children probably appreciates the silence. Knowing in advance what the rules are in your potential new place can help you understand if it is the right move for you.  7. Move Out: Knowing when you can move out is just as important as knowing when you can move in, if not more important. While you may not mind now, it is always wise to have a lease that allows you to move out with a 30 day written notice. Unexpected moves happen. Whether you are transferred across the country after an unforeseen promotion or are surprised with the birth of quadruplets,...

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