Owning a home is one of the biggest dreams that most Millennials have right now, and while it may sound unachievable, there are so many places all over the country that have reasonably priced homes that you can actually afford. You don’t need to be a millionaire or a Kardashian to find a house that you can afford if you open yourself up to new and interesting places. Let’s take a look at this great list of the best places in the US for aspiring millennials.

Washington

This state is well known for its rainy weather and for producing some great music, but it’s started to become a great place for remote homes. There are plenty of homes under 100k that are set in rural areas, so you don’t have to worry about your drum set waking up your neighbors, and you can enjoy the serene sounds of nature whenever you want. Additionally, for those seeking temporary accommodation in more urban areas, you can explore furnished apartments in Washington DC or consider homes in residential areas like Clarkson, Ocean Shores, and Aberdeen.

South Dakota

This hidden gem has some incredibly low home prices, making it one of the best places to look at for any millennial looking to save a bit on their first home. The cost of living rating in South Dakota is about 88, which means it is 12% lower than the rest of the country. Plenty of great places like Langford, Elkton, and Canistota have homes selling for under 50k, and many of them have 2+ bedrooms, so they are great for growing families.

Kansas

If you spent the entire pandemic binging Chip and Joanna, then you might be into some of the great homes in Kansas. These are perfect for flippers, renovators, or those who just want to tear it all down, and you can get a great home for under 20k. These homes are on the smaller side, but that’s perfect for young couples or small families to live in as is. Places like Concordia, Florence, and Mound Valley have quite a few moderately priced homes available. The cost of living in Kansas is already 17% cheaper than in the rest of the country, so this is one of the best states to check out for those who are looking to save for the future.

Idaho

Idaho is a beautiful state full of luscious farms and amazing views. It’s a great place to go if you are looking for homes that have character and personality and that majority of the houses are move-in ready. You can get a wonderful single-family home for under 100k, and there are great new homes in places like Idaho Falls, Kamiah, and McCall that are just waiting for new owners. The cost of living is about 3% less than in the rest of the country, and the economy is getting better and better every day, with many large companies making their headquarters in some of the larger cities in the state.

Arkansas

Arkansas is another excellent state with incredibly low home prices. There are plenty of small to medium-sized homes that are listed at under 30k, so you can find a great place without breaking the bank. These homes are similar to the houses in Kansas, and some of them might need a bit of extra love before you really see their full potential, but the prices are so low that it’ll be easy to afford some high-quality renovations. The cost of living for the state is also 21% less than the rest of the country, which makes it much easier to save some money.

Maine

Freelance work has become so popular in the last few years, and this means plenty of people can work from anywhere in the country. Why not move to a place where you can enjoy the amazing fall scenery every year while staying away from the hustle and bustle of the big city? Maine has quite a few great homes that are under 30k, and most of them come with large lots of property which is perfect for anyone who wants a large yard for kids or pets. The cost of living in Maine is 4% less than in the rest of the country, so check out cities like Brownville, Millinocket, and Limestone for some excellent homes that could be perfect for you.

The country has been facing quite a few issues with high demand for real estate, but you can definitely find a place that suits your budget if you know where to look. Utilize websites and apps or talk to an agent in a city you’ve considered to see if they can help guide you in the right direction. Finding a home that is within your budget may seem impossible, but if you open yourself up to new states and areas, you can find plenty that will fit exactly what you are looking for.

While owning rental property is considered a means to generate “passive income,” that does not necessarily mean no work is involved. Managing your properties can take up lots of time, regardless of what kind of rental property you own. At some point, your tenants and renters will likely need your assistance in dealing with common property issues and concerns.

These concerns will usually relate to basic maintenance: leaks in the ceiling, dysfunctional heaters or air conditioning units, plumbing issues, lawn maintenance, broken locks, etc., but they can also include things like safety and privacy concerns, pest control, questions about the lease, and other financial and legal matters. While some rental property owners have the time and ability to manage these problems, others can become quickly overwhelmed and will improperly handle certain issues, which only leads to more issues and stress.

As of 2016, 51% of rental property owners have opted to hire a property manager to help them manage their properties instead of doing it themselves. While this does cost money, these owners have decided that the freedom and peace of mind it affords them is worth it. If you are a rental property owner wondering whether or not using a property management company will benefit you, read on. Here, we have addressed the top five questions you should explore to decide how to manage your properties best.

1. Do I have the time to manage my rental properties myself?

First and foremost, you must ask yourself how much time you have and are willing to give to managing your properties yourself. Of course, the amount of time you might spend doing so will vary depending on how much rental property you own, how many tenants and renters you have, the condition of your properties, and on the tenants themselves. Some people and properties will require more attention than others.

Think of your average week. How many hours per week, on average, do you have to spare? If you have a job, hobbies, and a family like most people, chances are you will potentially have a few hours or less per week of “spare time” to manage properties. If something happens with a tenant or property, can you take the time necessary to address it and resolve it efficiently? If the answer is no, you should probably explore using a property manager.

2. Am I well-equipped to handle interpersonal concerns or disputes with my tenants?

Everyone wants to think they are good at “dealing with people.” But we all know this isn’t the case. Ask yourself if you are up for the human interactions and communications necessary to manage property and tenants. Simple maintenance requests are one thing, but imagine how you would feel if you had to handle an unhappy tenant who wants to dispute the lease terms. It’s okay if you don’t want to deal with that. Who does? The great thing about professional property managers is that they have been trained to handle all types of situations, from basic to conflict-laden. 

3. How involved do I want to be with my properties?

This question is closely related to the previous one. Are you interested in developing relationships with your tenants and renters, or do you prefer to remain on the sidelines? Do you see yourself regularly checking up on your property, or would you rather sit back, relax, and leave it to the professionals? If you are a hands-off person, a property management company could help you tremendously.

4. How much do I really know about property law and management practices?

As mentioned above, property management requires a certain degree of knowledge about various subjects, ranging from real estate law to common maintenance issues. If a tenant were to call you and complain about mold in the bathroom, for example, would you know who to call? Would you know which steps to take next to protect yourself as an owner and do right by your tenants? Real estate laws vary by state, so laws that affect your Washington property will not be the same as what you experience in California for example.  

 Property managers not only know what steps to take, but they also usually already have established relationships with maintenance workers or other services that they can quickly dial up for assistance, especially if they are a local business. Moreover, they possess extensive knowledge of proper legal procedures in the real estate world, which can improve matters for you and your tenants.

5. Can I afford a property manager?

Lastly, can you afford a property manager? On average, property managers will collect as a fee for their services 8-12% of the rent you collect for each property. Answering this question will require a detailed consideration of your expenses and income. If you want to be sure about whether or not you can afford a property manager, you can always enlist the help of a financial advisor or accountant.

Ultimately, deciding if you want to use a property management company depends on a combination of both real financial considerations and more abstract considerations of how much time and energy you want to put into your properties.  We hope this guide has been helpful to you as you consider your options.

In the ever-evolving landscape of the modern workplace, one element often overlooked is the humble office chair. While it may seem like a simple piece of furniture, choosing the right office chair can significantly impact your comfort, productivity, and overall well-being. However, not all office chairs are created equal, and different work tasks demand different levels of support and functionality. This article will explore matching your office chair to your work duties, ensuring you have the right chair.

The Importance of Office Chair Selection

Office chairs are not one-size-fits-all, and what works for one person may not be suitable for another. The key to finding the right office chair lies in understanding the specific demands of your work tasks and selecting a chair that meets those needs. Here are some reasons why the choice of an office chair matters:

• Comfort: Spending long hours at your desk can lead to discomfort and even chronic pain if your chair is not designed to provide proper support.
• Productivity: The right chair can enhance your focus and efficiency by promoting good posture and reducing distractions caused by discomfort.
• Health: An ergonomic chair can contribute to your overall health by minimizing the risk of musculoskeletal issues like back pain, neck strain, and carpal tunnel syndrome.
• Task-Specific Support: Different work tasks require different support and functionality from an office chair.

Choosing the Right Chair for Your Work Tasks

Now, let’s explore how to match your office chair to your specific work duties:

Desk Work and Computer Use:

If your work primarily involves desk-based tasks, such as computer work, data entry, or writing, you’ll benefit from an ergonomic task chair. Look for the following features:

• Adjustable Height: Ensure that the chair’s seat height is easily adjustable so you can position your feet flat on the floor, with your knees at a 90-degree angle.
• Lumbar Support: An adjustable lumbar support system is essential for maintaining the natural curve of your lower back and preventing back pain.
• Armrests: Choose a chair with adjustable armrests to support your forearms while typing or using the mouse.
• Swivel and Mobility: A chair with a swivel base and casters allows you to move freely within your workspace without straining.

Meetings and Collaboration:

Consider a conference or guest chair if your work involves frequent meetings, collaborations, or team discussions. These chairs are often designed for short-term seating comfort and may not require the same ergonomic features as task chairs.

• Comfortable Seating: Look for chairs with cushioned seats and backrests that provide comfort during shorter periods of use.
• Stackable Design: If space is a concern, consider stackable chairs that can be easily stored when not in use.

Standing Desk Use:

If you use a standing desk, you may still need an office chair for occasional sitting breaks or tasks that require sitting. Consider a drafting chair or a sit-stand stool, which allows you to alternate between sitting and standing.

• Height Adjustability: Look for a chair that can be adjusted to the appropriate height for your standing desk.
• Footrest: A footrest can provide additional support and comfort during short sitting periods.

Creative Work and Design:

If your work involves creativity, such as graphic design, architecture, or art, you may benefit from a chair that allows for greater freedom of movement. Look for a chair with features like:

• Dynamic Seating: Consider a chair with a pivoting or tilting seat that encourages movement and engagement of core muscles.
• High Backrest: A high backrest provides more significant support for tasks that require leaning forward or reaching.
• Adjustable Armrests: If you need to rest your arms while sketching or working on a tablet, adjustable armrests can be beneficial.

Executive or Management Roles:

In roles where clients or colleagues visit your office, an executive or managerial chair can convey professionalism and comfort. Look for a chair with:

• Premium Materials: Executive chairs often feature high-quality leather or fabric upholstery for a sophisticated appearance.
• Ergonomic Features: While maintaining an executive look, choose a chair with ergonomic features like lumbar support and adjustable armrests for your comfort.

Reception and Waiting Areas:

Choose guest chairs for reception and waiting areas that offer comfort and a welcoming atmosphere. These chairs should be durable and easy to clean.

• Stylish Design: Consider chairs that match the aesthetics of your reception area and provide a comfortable place for visitors to sit.
• Easy Maintenance: Look for chairs with materials resistant to stains and easy to clean, as they will see a lot of use.

Specialized Tasks:

Some roles may require specialized chairs tailored to unique tasks. For example, dental chairs for dentists, ergonomic laboratory stools for scientists, or drafting chairs for architects.

• Task-Specific Features: Choose chairs with features specific to your profession’s demands. For instance, dental chairs often have ergonomic headrests and adjustable armrests.

Regular Maintenance and Adjustments

Once you’ve selected the right office chair for your work duties, it’s essential to maintain it properly. Regularly inspect your chair for wear and tear, and make any necessary adjustments to ensure it continues to provide the support and comfort you need. Consider investing in chair accessories like lumbar pillows or seat cushions to enhance your sitting experience.

Conclusion:

In conclusion, the right office chair can significantly impact your comfort and productivity, but choosing a chair that matches your specific work tasks is essential. By considering the demands of your job and selecting a chair with the appropriate features, you can create a workspace that promotes well-being and efficiency, ultimately contributing to your success in the modern workplace. Remember, a chair tailored to your work duties is more than just a seat; it’s an essential tool for daily tasks.

Moving to a new city is always an adventure; moving to the ‘City of Brotherly Love’ means the destination is just as great as the journey. Philly offers a rich cultural heritage and delicious food scene, and there’s quite a bit to do!

In this guide, we’ll walk you through everything you need to know to ensure a smooth transition and make the most of your new life in this diverse city.

Finding Your Neighborhood

When you have a large move, the first step is to find somewhere to put down roots. In the past, you would have to take several trips back and forth, perhaps sending a few faxes to your real estate agent while you tried to pick a home. These days, you can find Philadelphia homes for sale online and get a glimpse at different properties before you take your first pre-move trip. Work with your agent to create a list of properties you want to see while you’re in town—- with luck, you only need one trip to seal the deal and put an offer in on your new digs.

Old City: Where History Comes Alive

Old City is a history lover’s dream, with quaint cobblestone streets and iconic landmarks like the Liberty Bell. It’s also one of the best places in Philadelphia to find Lofts.

Fishtown: Hipster Haven

If vibrant and trendy is more your scene, head down to Fishtown for a thriving art scene and your choice of cafes, boutiques, and restaurants. You can find industrial charm mixed with spirited energy, making it a popular choice for young professionals.

University City: Where Students Thrive

University City is well-named, as it’s home to prestigious learning environments like the University of Pennsylvania and Drexel University. The city offers a wide range of cultural events, cafes, and libraries; it’s a great neighborhood for students to meet and hang out or study.

Planning Your Move

Once you have planted the seeds of your new home, it’s time to make the trek again— with your family and everything you own. Relocating is quite the endeavor, whether you’re moving cross-state or cross-city.

Take Advantage of Your Agent’s Network

You most likely used a real estate agent to purchase your new home. Many real estate agents have a great community with other professionals in the moving industry. They can often introduce you to utility companies, mortgage brokers, and even moving companies! Don’t hesitate to reach out and ask.

Keep Your Essentials Handy

When you’re packing, keep your essentials like shower items, important documents, and a change of clothes in separate containers, like a small suitcase in your car. That way, if there are any delays getting the rest of your items moved in or unpacked, you have the necessities.

Navigating Philadelphia’s Public Transporation

In Philly, you can leave your car at home most days; the city has an extensive public transportation system that makes getting around the city pretty easy.

Traveling with SEPTA

SEPTA is the Southeastern Pennsylvania Transportation Authority. They run a vast network of buses, rail lines, and subway lines through and around Philly. If you want a hassle-free commute, don’t forget to get a reloadable SEPTA key! You can purchase and reload the card throughout the city and then use it to pay your fare on any of SEPTA’s transports.

Exploring the City by Bike

Philadelphia has an active and robust bicycling community, and riding a bike is a great way to explore the city from the streets! If you don’t have a bike of your own, you can use an Indego bike station to rent one for a leisurely ride along the Schuylkill River Trail or take a quick ride to your favorite cafe.

Soak in the Culture at Must-See Museums and Galleries

Art and culture thrive in Philly, and the city is quick to encourage full immersion. Whether you’re visiting a world-class museum or discovering one of the city’s hidden gems, you have a lot to explore. Luckily for you, putting down roots means you have plenty of time to discover every treasure the city offers.

The Philadelphia Museum of Art

Of all the museums to see, we recommend starting with this one. This iconic museum houses an extensive collection of over 240,000 masterpieces from all eras and cultures.

Barnes Foundation

Speaking of art, Philadelphia is home to one of the more impressive collections of Impressionist, Post-Impressionist, and early Modernist works. Each carefully curated piece is displayed in an intimate setting, creating a truly immersive experience for art lovers.

Indulge in Philly’s Food Scene

If you love all things delicious, then Philly is the city for you! The city is well known for its mouthwatering cheesesteaks and delectable soft pretzels, but there are many more delicious things to discover!

Rittenhouse Row

Aptly nicknamed Restaurant Row in Center City, this dynamic foodie paradise offers a wide range of cuisines, from farm-to-table goodness to international delicacies. You have a myriad of options to test out your taste buds.

Reading Terminal Market

You can’t miss the indoor farmer’s market with over 80 vendors. It’s one of the best places to stock up your own kitchen and experience a wonderland of mouthwatering options. There is a world of taste to discover, whether you dine in or take farm-fresh goodies home to prepare.

A Little Something For Everyone

Living in Philadelphia opens up a world of possibilities. Philadelphia is a world in its own, offering newfound adventures for sports enthusiasts, artists, academics, everyone else and all of the above. And with your new roots seeping in, you have all the time you need to soak in the options and start exploring. You’ll have new favorites before you know it.

Your home’s comfort hinges on the meticulous selection of the right air conditioning system. It’s more than just temperature control; it’s an investment in your lifestyle. The local climate has a pivotal role in your air conditioning system selection. It’s the first crucial variable to consider. This article is your compass for this decision-making journey.

Types of Air Conditioning Systems

Central Air Conditioning: The Hub of Cool

Unveiling Central AC’s Inner Workings

Central air systems are like conductors of a symphony, distributing cool air seamlessly via a network of ducts. An outdoor unit cools the air and circulates it through your home.

Balancing the Scales with Central AC

In the pro column, central AC is ideal for large spaces, offering uniform temperature control and potential air purification. On the con side, it demands a significant upfront investment for installation and professional upkeep.

Ductless Mini-Split Systems: A Symphony of Zoning

The Ductless Mini-Split Unveiled

Ductless mini-splits present a flexible alternative. They consist of an outdoor compressor and indoor air handlers. Their zoning capability provides room-by-room temperature control.

The Yin and Yang of Mini-Split Systems

On the upside, they are highly energy-efficient, cost-effective to install without ductwork, and suitable for both small and large spaces. The con, however, includes higher upfront costs and aesthetically challenged indoor units.

Window Air Conditioners: Room-by-Room Refreshment

The Window AC in Action

Window air conditioners are standalone units that fit in windows or specially designed wall openings. They work by cooling warm air and expelling it outside.

The Window AC Balancing Act

On the plus side, they’re affordable, easy to install, and perfect for smaller spaces. But, they have a limited cooling range, tend to be noisy, and sometimes obstruct light and views.

Portable Air Conditioners: A Chill on Wheels

Portable ACs Enter the Scene

Portable air conditioners are self-contained units on wheels that can be moved as needed. They use an exhaust hose to vent hot air outdoors.

The Portable AC Equation

Their versatility and ease of movement are advantages. However, they are less efficient, noisier, and have limited cooling capacity, often requiring frequent condensate tank emptying.

Assessing Your Home’s Needs

Room Size and Square Footage

The dimensions of your home and individual rooms significantly influence your choice. Larger spaces may necessitate central AC or ductless systems, while smaller spaces can often be served by window or portable units.

Insulation and Energy Efficiency

Quality insulation and energy-efficient features, such as double-glazed windows, directly impact your AC system’s performance, making good insulation essential for savings.

Climate and Weather Considerations

Your local climate, whether hot and humid or subject to seasonal shifts, dictates the performance requirements for your system.

Budget and Long-Term Financial Planning

Your budget must accommodate both installation costs and long-term operational expenses. While some systems are pricier initially, their enhanced energy efficiency can lead to substantial savings.

In the next section, we delve into energy efficiency, system sizing, maintenance, additional features, and budget planning. We ultimately conclude with key takeaways and the necessity of professional consultation when choosing your home’s ideal AC system.

Energy Efficiency and Environmental Impact

Deciphering SEER: The Efficiency Indicator

SEER ratings measure your air conditioning system’s energy efficiency. Higher SEER ratings equate to more efficient systems. Knowing SEER is the key to cost-effective and environmentally friendly choices.

If you’re interested in learning more about how to maximize your AC system’s efficiency while choosing the right unit, consider checking out Total Home Supply’s expert guide on Choosing the Right AC Unit. Their insights on energy-efficient models and eco-friendly options can be invaluable in making an informed decision.

Prioritizing Eco-Friendly Refrigerants

The choice of refrigerant in your AC system is significant. Opting for environmentally friendly refrigerants aligns with the global drive to combat climate change and reduce your carbon footprint.

Government Incentives: Bridging the Green Gap

Governments often offer incentives like tax credits and rebates for choosing energy-efficient AC systems. These incentives can significantly offset your initial investment, fostering sustainable choices.

Finding the Perfect Fit

The Critical Role of Sizing

Selecting the right size for your AC system is paramount. An oversized unit will cycle excessively, wasting energy, while an undersized system struggles to cool your space efficiently.

Calculating the Ideal Capacity

Accurately calculating your cooling needs depends on various factors, including square footage, insulation quality, and the local climate. Professional assistance and tools can guide you to the ideal system capacity.

Expert HVAC Assessment

Seeking advice and assessments from HVAC professionals is the safest way to avoid costly sizing mistakes. Their experience ensures a system that perfectly matches your unique needs.

Installation and Maintenance

Professional installation is the linchpin for efficient and safe operation. A proper installation can result in good performance, higher energy costs, and potential damage.

Longevity through Regular Maintenance

Routine maintenance, such as filter changes and cleaning, is indispensable for keeping your system in top form. It extends the system’s lifespan and preserves its efficiency.

Tips for Efficient AC Maintenance

Discover practical maintenance tips, including keeping the outdoor unit clean, checking for refrigerant leaks, and ensuring optimal airflow.

Exploring Extra Features and Options

Smart Thermostats and Home Automation

Delve into how smart thermostats and home automation can augment your AC system. These technologies offer remote control and automated temperature adjustments, enhancing comfort and energy savings.

Zoning and Multi-Zone Systems

Explore the advantages of zoning systems that empower you to customize the temperature in different areas of your home, reducing energy waste in unoccupied spaces.

Elevating Air Quality

Modern AC systems can significantly improve indoor air quality through advanced filtration and purification features, contributing to health and well-being.

Dehumidification and Ventilation Choices

Learn how dehumidification and ventilation options can complement your AC system, providing added comfort and health benefits.

Budgetary Considerations

Initial Costs

Examine the upfront costs of various AC systems, including installation expenses, and discover how to budget for this crucial home investment.

Long-Term Operation Expenses

Compare the long-term operational costs of different systems, including their energy efficiency, maintenance, and potential savings over time.

Financing and Payment Solutions

Discover financing options, payment plans, and available incentives that can make your AC system more affordable while fitting your budget.

In Conclusion,

Stress the tangible benefits of investing in a well-suited AC system, including enhanced comfort, reduced energy costs, and a minimized environmental footprint.

With this comprehensive guide, you are now thoroughly equipped to make an informed decision when selecting your home’s perfect air conditioning system. Tailoring your choice to your needs will elevate your living conditions and contribute to a more sustainable and cost-effective home environment.

Even though Oregon’s living cost falls on the upper echelon of the US average, the state’s urban-suburban vibe, a plethora of natural attractions, and the nation’s top schooling systems make it the perfect place for families. OR’s versatile neighborhoods offer a fulfilling life for individuals with different lifestyle choices, whether outdoor-centric, school-oriented, or tech-savvy.

Top 5 Oregon Locations That Are Ideal for Families 

1. Ashland, Jackson County 

Ashland’s housing market and world-class medical facilities attract millennial families with growing children with a residential property budget of around $600k. The Asante Ashland Community Hospital, which provides medical care for 600,000 people from Oregon and California, assists children with vaccinations and other medical procedures. The Pediatric department treats children aged from one day to 16 years, while the telemedicine service ensures that newborns and toddlers don’t have to travel far for treatment and check-ups. 

In 2023, Ashland’s residential property market became a buyer’s market where young professionals can bag a great deal. The suburban single-family homes saw a 15% YoY dip in August 2023, with a median sale price of $575,000. The proximity to the California border (15 miles) promises employment opportunities in both states sans the overbearing living expense of CA.  Although the Southern Oregon region is prone to wildfires from May to October, the Ashland Wildfire Mitigation Project reduced the overall risk through preventive measures; outdoor debris burning, fireworks, and lanterns are prohibited. 

2. Bethany, Washington County 

Bethany’s proximity to 120 private and public schools -featuring international, STEM, charter, magnet, and faith-centric schools- landed it at the top of the OR location where parents want to relocate. As part of the economically strong Portland metropolitan area, the house prices are one of the highest in the US- detached family homes sell for $879,500. Despite the hefty house price, people are moving in due to the downtown perks: employment, lavish retail stores, education, and cultural exhibitions. 

Unlike many metros, Bethany has multiple child-safe parks ( Bethany Meadows Park, Bethany Lake Park, and Kaiser Woods Park) featuring playgrounds and water activities. Because of the community’s focus on education, toddlers (12-36 months) get introduced to the literary world through public programs organized by the Bethany Library. Thanks to the parks, recreational establishments, reading events, and bike-safe suburbs, parents don’t have to drive miles to keep their kids entertained. 

3. Central Point, Jackson County 

Central Points has become a hotspot for outdoor lifestyle enthusiasts thanks to the lots and single-family houses with water bodies and greenery stretching for acres. Whether farming or raising horses and other animals, the city lets the residents get closer to the environment without stripping off the city amenities. Also, Central Point’s school district comprises 8 public schools, 2 specialized academies, and an international soccer camp- meaning the parents don’t have to homeschool their children to live near nature. 

Photo from Horse Properties

Since Central Point has a climate similar to the Mediterranean zone, residents can enjoy outdoor activities and retreats to the wilderness all year round- the lowest winter temperature is 50F. The public parks (Bear Creek Greenway,  Rogue River, and the Pacific Crest Trail) serve as getaways for hiking, camping, biking, swimming, boating, fishing, and rafting. However, the seven streams running through the city made it susceptible to floods- meaning the homeowners need to do seasonal drain cleaning, retrofitting the property, and getting flood insurance. 

4. Hillsboro, Washington County 

From a strong job market fuelled by Hillsboro Industrial District and a diverse community setting with 2400 bilingual kids in 10 schools, Hillsboro delivers economic support and an inclusive culture for the families. Tech executives boast the majority of employees of the neighborhood courtesy of conglomerates; Intel and  Nike total more than 24,000 employees. Moreover, medical professionals gain significant work opportunities from bioscience and medical device organizations, such as Oregon Health & Science University, Kaiser Permanente, and Tuality Health Care. 

Hillsboro’s nickname, “The Silicon Forest,” lives up to the name through housing laws and curated technical schools. Hillsboro CTE (Career-technical education) goes beyond the traditional automotive training and teaches Biotech, Robotech, Graphic Design, etc. The community adopts the latest technology to aid the new residents as well. All house sellers from the region must present a Home Energy Score (HES) before publicly listing the home. Hence, the potential buyers can assess the home’s structure, heating and cooling systems, and other energy-related features in advance. 

5. Corvallis, Benton County 

As 56% of young adults (18-24 years old) live in their parental home, Corvallis appeals to families with juvenile members. The college town has become a coveted location for parents who want to take advantage of in-state tuition fees; Oregon State University’s tuition is $13,494 for in-state and $35,664 for out-of-state students. Also, the Linn-Benton Community College has an in-state fee of $5,675 per year, a fraction of the out-of-state tuition of $13,000 per year.  

Corvallis Transit System (CTS), a free public transit system, covers all the corners of the city. The expansive bike walking lanes save fuel costs as 11% of Corvallis residents commute by bicycle, and 12% commute by walking to their destination. The city’s flat topography and interlinked bike lanes help to finish any trip within 15 minutes. Corvallis’s unique Emergency Ride Home (ERH) service makes the biking and walking around safer. ERH supports county dwellers for medical conditions, carpool misses, and a late pick-up from the office. 

Outro

Oregon functions as the perfect state to raise children from newborns to college-level children. The versatile geography lets the children grow close to the wilderness- a feat kids are robbed of in a big metro. As the state has a profound economy through tech, education, and bio-medical sectors, parents can raise their children without pinching for pennies.

How to Find a Rental Before Graduation

Most college graduates will have lived in some combination of residence halls, dorms, and on- or off-campus apartments during their college career. For those who have lived on campus for the last four years or are looking to relocate to a new city after commencement, finding an apartment during a final semester of classes, thesis writing, and job searching can be a hefty task. If you’re feeling overwhelmed by the process, consider seeking assistance from an essay writing service or other professional services to help manage your education workload. Here are some tips on how to track down a brand-new place.

When to Start an Apartment Search

It may seem wild, but searching for a place as early as possible is best. While many property owners will only ask their tenants to renew in early spring, larger property management companies already have this process underway. Even if a soon-to-be college grad is still determining where they will be living after commencement, it is a good idea to start looking at listings and compile a list of units that fit one’s criteria and budget.

Where to Find an Apartment

The internet has made searching for an apartment accessible – it’s a matter of avoiding being wholly overwhelmed with the choices.

• com and skyfiveproperties.com offer hundreds of apartment listings, searchable by state or city.
• The National Association of Residential Property Managers provides an online portal to locate property managers up to 100 miles from a specific zip code.
• Forums on websites can give potential renters feedback on the neighborhoods of an unfamiliar city.
• Newspaper classified sections usually feature properties for rent or sale.

Remember that the best network for finding a place can sometimes be alums, friends, family, employers, or graduate programs.

How to Choose an Apartment

Identify Your Needs

Before you dive into the search, figure out what you’re looking for in an apartment. Consider factors like location, size, budget, and amenities. If you have a job lined up, you’d want to live close to your workplace. If not, consider an area with good employment prospects in your field.

How to Use Apartment Finders

To help narrow the focus if there is an overwhelming number of choices, consider the answers to the following and use them as search criteria:

• Size: number of bedrooms/bathrooms, square footage, etc.
• Cost: how much is too much (taking into consideration student loan payments, car payments, insurance costs)
• Neighborhood/location: public transport options, parking availability, safety

Budget Wisely

Remember that you’ll also need to budget for utilities, groceries, transportation, and other living expenses besides rent. As a rule, your rent should not exceed 30% of your monthly income.

Understand the Rental Process

When you find an apartment you like, you must complete an application and prove your ability to pay the rent. This can be tricky if you still need to start your job. In such cases, you might need a co-signer or be able to show savings or a job offer letter.

Prepare the Necessary Documents

You’ll typically need identification, proof of income, references, and possibly a credit check. Having these ready can speed up the application process and increase your chances of securing the apartment.

Visit the Apartment

Only rent an apartment after visiting it first. Use the visit to inspect the condition of the apartment and the building and get a feel for the neighborhood.

Read the Lease Carefully

Ensure you understand all the lease terms, including the lease’s length, the amount of the security deposit, the policy on pets, and the conditions for breaking the lease.

Consider Roommates

Having a roommate can help cut costs and make a more expensive apartment affordable. Just ensure you choose someone you’re compatible with and trust.

Conclusion

As college grads enter the complicated world of rental housing, the best practice is to be cautious and do research ahead of time. Assessing one’s needs in a new living space will save time in the long run and ensure that post-graduation living is comfortable.

At every stage of the search and rental process, there are some key points that potential renters should always keep in mind.

• Keep any agreements with a landlord or property owner in writing, and ensure they are signed and dated.
• It is essential to visit a unit before signing a lease. Potential renters should consider asking a friend or relative to investigate some units if this is impossible.
• Ensure there are no questions or discrepancies in the lease document, and do not sign a lease before asking for any clarifications.
• Be careful when selecting a roommate. Some property management companies provide a roommate matching service, but nothing beats a candid conversation about sleeping habits, cleanliness, and any special requirements.

Out of the 82% of homes in the US that have a two car garage or larger, only 15% use that space to park their cars. In many cases, the garage becomes a storage area that’s too packed to fit anything else.

If you’re content parking your car (or at least one of them) outside, you may not be concerned about cleaning your garage out. However, a garage is the perfect place to create a workshop, so you can finally do all those projects you’ve been talking about.

With the right garage workshop ideas, you can create the ultimate workspace that you’ll never want to leave. Depending on the size of your garage, you may even have room left over to park your car!

Do you want to know more? Keep reading to discover the best ideas to transform your garage.

1. Think About Temperature

While the garage is the ideal location for a workshop for several reasons, it does come with one fatal flaw: Most garages don’t have any type of temperature control in place.

If you don’t figure out a way to keep your garage cool in the summer and warm in the winter, you’ll likely only end up using it for a few nice months in the spring and fall. Luckily, there are a few things you can do.

You can start by insulating your garage, which may include getting a new garage door. Not only will this help regulate the temperature throughout the year, but it’ll also drown out some of the noise, so your neighbors and family don’t complain.

However, in most areas, this insulation won’t be enough to keep the garage comfortable all year long. Consider getting a powerful window air conditioner to cool things down in the summer and installing a garage heating unit to keep yourself warm in the winter.

All this may seem a bit pricey at first, but you’ll end up getting a ton of use out of your garage, so it’ll all be worth it in the long run.

2. Give Yourself Room

You may be looking at the stacks of Christmas decorations, bikes, and other miscellaneous items right about now, wondering how you’ll ever find room for a workshop. But how much of that stuff do you really need?

Start by going through everything you’re storing and get rid of things you don’t use or need anymore. Then, think about alternative storage areas for the remaining items. Do you have a backyard shed, attic, or basement with room for these things?

Ideally, you’d be able to move everything out of the garage. However, this isn’t always possible. If you can’t find a new home for everything you’re currently storing in the garage, at least reorganize it so you have an area dedicated to your workspace and a different area dedicated to storage.

3. Add Good Lighting

The last thing you want to do is end up hurting yourself because you couldn’t see properly. Most garages don’t already have adequate lighting for a workshop, so you’ll need to add your own.

Stick with a high-intensity light, like LED, fluorescent, or halogen. You’ll want to make sure you put lighting above your workbench and around any large pieces of equipment. If you’ll be working on very detailed projects at your workbench, consider getting a flexible goose-neck light, so you can control exactly where the light goes.

4. Pick the Right Workbench

You may be tempted to go to your local hardware store and pick up the first workbench you see. But this could quickly lead to disaster. Start by identifying what exactly you’ll do on your workbench.

Will you be doing something delicate, like working on electronics? If so, you likely won’t need to pay extra for a workbench that can handle a ton of pressure. You might, however, want one that comes with various drawers to store all the small pieces you’ll need access to while working.

Or will you be doing something that requires a bit more elbow grease? If this is the case, you’ll likely want a workbench free of cabinets and sides, so you have plenty of room to work. Of course, you’ll also want one that’s sturdy enough to handle your projects without wobbling.

If you plan to do a lot of work on the floor, you may want to consider a workbench that folds down when not in use to maximize your space.

5. Ensure It Stays Clean

Chances are, you’re going to make a bit of a mess in your workshop. While you don’t have to keep the area immaculate, you do want to clean up any sawdust, store anything sharp away, and prevent stains to the best of your ability.

If you plan to do a lot of sawing and sanding, you’ll want a way to remove all the dust, so it doesn’t settle on your projects while paint or stain is drying. There are a few different options to choose from, so look for a dust collection system design that meets your needs.

You may also want to put an epoxy coating on your floor to prevent stains and make cleanup easier.

Lastly, make sure you set up some type of organization system, so you don’t leave sharp tools on the ground for you to trip over or step on. Consider hanging things on the wall or using garage storage shelves to make sure everything has a home.

Best Garage Workshop Ideas

Don’t just throw a workbench in the garage and call it a day. Instead, follow these garage workshop ideas to create the ultimate space to work on your projects.

Are you in the market for a new home? Check out our listings today to see all your options in beautiful and sunny South Florida.

In the ever-fluctuating world of real estate, one constant factor that significantly influences market dynamics is the interest rate.

From first-time homebuyers to seasoned real estate investors, the interest rate sets the stage for borrowing costs, affordability, and ultimately, the pace of transactions. This rate serves as a barometer for demand, often moving inversely to property values.

This article aims to delve into the intricate relationship between interest rates and real estate markets, exploring its multifaceted impact on buyers, sellers, and investors alike.

Direct Effects on Mortgage Rates

Changes in interest rates wield a direct influence on mortgage rates, steering the course of real estate markets and affecting both prospective and current homeowners.

When central banks, like the Federal Reserve, adjust their benchmark interest rates, it prompts a ripple effect in the mortgage sector. An increase in interest rates generally leads lenders to hike their own rates for home loans. Conversely, a dip in interest rates usually results in more affordable mortgages.

For new homeowners, fluctuating mortgage rates can mean the difference between landing a dream home and settling for less. When mortgage rates are low, they can secure loans with cheaper monthly payments. This makes investing in the real estate market more feasible. On the other hand, high mortgage rates may compel them to look for less expensive homes or delay the purchase altogether.

Existing homeowners aren’t safe from these fluctuations either. Those with adjustable-rate mortgages (ARMs) will see their monthly payments increase or decrease depending on current mortgage rates.

A hike could stretch their budgets, leading some to consider refinancing into a fixed-rate mortgage. A dip in rates might present an opportune moment for those with high-interest loans to refinance for lower monthly payments.

How Developers and Builders React

In the real estate arena, developers and builders play a significant role in shaping the supply side of the market. To embark on large projects, these professionals often rely on loans to finance construction and development. Prevailing interest rates directly influence the cost of these loans.

High-interest rates can act as a deterrent for new development projects. The increased cost of borrowing can erode profit margins and make projects financially unviable. This reluctance to undertake new projects affects the supply in the housing market, which can be disastrous in two ways.

In a hot market, where demand is already high, a drop in supply due to reduced construction can push home prices even higher. Alternatively, in a downturn, a lack of new supply can exacerbate the economic malaise by limiting options for buyers and reducing the liquidity for sellers.

To illustrate, during the 2008 financial crisis, construction came to a near halt due to high-interest rates and low demand, further deepening the recession. On the contrary, in a thriving economy, low-interest rates have led to construction booms, but if supply doesn’t keep up with demand, prices inflate, making homes unaffordable for many would-be buyers.

The Ripple Effect on Property Investments

Interest rates exert a profound ripple effect on real estate as an investment vehicle. For instance, low-interest rates often make real estate an appealing option compared to other investment avenues like bonds or stocks. This is because low rates can facilitate cheaper mortgage financing, thereby boosting property demand and, consequently, increasing property valuations.

Conversely, high-interest rates can make real estate investments less attractive. In a high-interest environment, the cost of borrowing rises, which can lead to a decline in property prices. Simultaneously, high rates can negatively affect rental yields. Landlords may find it difficult to increase rents at a pace that compensates for the higher interest expenses, thus diminishing the profitability of rental properties.

Investors, ever vigilant about maximizing returns, can pivot their strategies in reaction to interest rate fluctuations. When interest rates rise, the allure of fixed-income investments like bonds often increases. This switch from real estate to bonds can reduce the capital flowing into the property market, further dampening demand and property valuations.

Safeguards and Mitigations

Navigating the real estate market in the face of fluctuating interest rates calls for both individual and systemic safeguards. Various financial instruments and strategies are available for hedging against the volatility of interest rates.

• Fixed-Rate Mortgages: This is a conservative approach where the borrower locks in an interest rate for the entire loan term. Even if interest rates rise, the mortgage rate remains constant.
• Interest Rate Swaps: More sophisticated than fixed-rate mortgages, this involves two parties exchanging variable-rate interest payments for fixed-rate interest payments, thus shielding against fluctuating rates.
• Cap and Floor Agreements: In these, the borrower pays a premium to set an upper (cap) or lower (floor) limit on their variable interest rate.
• Treasury-Inflation Protected Securities (TIPS): These are government-issued bonds that protect against inflation, indirectly offering a safeguard against rising interest rates.
• Diversification: Spreading investments across real estate, stocks, and bonds can reduce exposure to interest rate risk.

Meanwhile, governments employ regulations to curtail abrupt changes in the real estate market.

• Rate Caps: Certain jurisdictions impose limits on how much interest rates can fluctuate within a specified time.
• Loan-to-Value Ratios: By regulating the maximum amount that one can borrow against a property’s value, governments aim to reduce speculation and volatility.
• Stress Testing: Regulatory bodies may require financial institutions to demonstrate resilience against rapid interest rate changes, thereby ensuring system-wide stability.
• Foreign Buyer Taxes: Some governments impose additional taxes on foreign real estate investments to control surges in demand that can lead to soaring property prices.
• Rent Control: For rental markets, caps on annual rent increases aim to make housing more affordable, providing a more stable environment irrespective of interest rate shifts.

By leveraging these financial instruments and adhering to governmental guidelines, both individuals and institutions can mitigate the impact of volatile interest rates on real estate investments.

Wrapping Up

From shaping consumer choices to influencing developers’ willingness to embark on new projects, the tentacles of interest rate fluctuations reach far and wide. Aspiring homebuyers find themselves in a tug-of-war between affordability and rising costs, while developers perform a delicate balancing act between supply and risk. Investors, on the other hand, constantly recalibrate their portfolios in response to even the most marginal interest rate changes, adding another layer of complexity.

Armed with this knowledge, stakeholders at all levels—from individual homebuyers to policy-makers—can make more informed decisions, fostering a more stable and equitable real estate market for all.

Finding the right housing and accommodation as a student is a critical decision. It can significantly impact your overall college experience, influencing your comfort, safety, and convenience. To help you make the best choice, we’ll explore the top factors students consider when selecting their housing options. Whether you’re a freshman embarking on your college journey or a seasoned student looking for a change, these considerations can guide you in making an informed decision.

Proximity to Campus

One of the primary factors to consider when choosing housing is the location. The proximity of your housing to campus can significantly affect your daily life. Living closer to school can save you time and reduce commuting stress. Moreover, it enables you to take advantage of campus resources like libraries and participate in study groups or extracurricular activities without the hassle of long commutes. It would help to look at college apartments like myamericanave.com for housing that meets your location preferences.

Affordability

Your budget plays a crucial role in determining your housing options. Tuition, textbooks, and other college expenses can quickly add up, making it essential to find housing that aligns with your financial resources. Keep in mind that while it’s crucial to stay within your budget, you should also consider the overall value of the housing in terms of amenities, safety, and convenience.

Amenities and Services

When you’re choosing housing, the amenities and services offered can greatly influence your decision. Consider what features are most important to you. Do you prefer on-site laundry facilities, a fitness center, or a communal lounge? Some students prioritize high-speed internet, while others may want a fully equipped kitchen. 

Safety and Security

Safety is a top concern for students when choosing housing. You want to live in a place where you feel secure and can focus on your studies without worries. Check if the housing provides security measures like locked entryways, surveillance cameras, and well-lit pathways. Additionally, inquire about the reputation of the neighborhood to ensure it’s a safe environment. 

Room Style

It’s important to weigh the pros and cons of student housing without a roommate before making a decision. If you’re looking for a more affordable option, you may want to consider a shared living situation. But if you value your privacy or have specific needs that wouldn’t be met in a shared living situation, student housing without a roommate may be a good option for you.

Lease Terms and Flexibility

Lease terms can vary significantly between different housing options. Some students prefer the flexibility of shorter leases, while others may opt for longer-term commitments. Be sure to carefully read and understand the lease agreement before making a commitment.

Transportation and Parking

Many students rely on buses, subways, or trams to get around the city. Being close to public transportation hubs can simplify your daily commute and give you easy access to different parts of the city. If you don’t have a car, proximity to public transportation or campus shuttle stops can be a game-changer. On the other hand, if you do have a vehicle, having access to convenient parking options is crucial. 

Community and Social Life

College is not just about studying; it’s also about building a social life and forming lasting connections. Housing that promotes a sense of community can enhance your college experience. Some housing options offer organized events and communal spaces, making it easier to meet and connect with fellow students. 

Pet-Friendly Options

Pets can provide companionship and reduce stress levels, which is especially important for students who are away from home for the first time. For students who have furry friends, finding pet-friendly housing is a significant consideration. Check if the housing allows pets and if there are any restrictions or additional fees. 

Shopping and Dining Options

Access to shopping and dining areas is an essential consideration when choosing housing. Having stores, restaurants, and other essential amenities nearby can make your daily life more convenient. This allows you to easily stock up on groceries, grab a quick meal, or explore local eateries. 

Furnished or Unfurnished

Deciding between furnished and unfurnished student accommodations is a crucial choice. Furnished housing is convenient for students who prefer a hassle-free move-in experience, as it includes essential furniture and appliances. Unfurnished housing allows you to personalize your living space but requires additional investment in furniture. 

Room Size and Layout

Consider the size and layout of your room. Do you need a spacious room to accommodate your study area, or are you comfortable with a cozy space? Think about your lifestyle and preferences when it comes to room size. 

Utilities and Bills

Understanding what utilities and bills are included in your rent is vital for budgeting. Some housing options include utilities such as water, electricity, and internet in the rent, while others require you to handle these expenses separately. 

Community Events and Activities

Many housing options offer community events and activities that can enhance your college experience. These events provide opportunities to socialize, make friends, and participate in a variety of activities without leaving your home. 

Maintenance and Repairs

Prompt maintenance and repairs are crucial for a comfortable living experience. Check if the housing provides a responsive maintenance team that can address issues quickly. A well-maintained living space ensures that you can focus on your studies and social life without being burdened by maintenance concerns. 

Additional Fees and Costs

In addition to rent, there may be additional fees and costs associated with your housing. These can include security deposits, application fees, and pet fees. Be aware of these extra expenses to budget accordingly. 

Takeaway

Choosing the right housing and accommodation as a student involves careful consideration of various factors, from location and budget to safety, amenities, and roommates. Reading reviews and testimonials from people who currently or previously lived there can give you helpful information about the housing choices you’re thinking about. It allows you to gauge the overall satisfaction of residents, learn about any potential issues, and get a sense of the housing community’s atmosphere. By taking these factors into account and utilizing the resources available, you can make a well-informed decision that enhances your college experience and contributes to your overall success. Happy housing hunting!