Loans

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For past generations, “growing up” meant getting married, buying a home and starting a family.

That’s not necessarily the typical path anymore.

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Nuclear families (those defined as a husband, wife and an average of 2.3 children) used to be the majority. These days, in many cities, living solo is common and may well be the new normal.

Read on to learn more about what it means to be in charge of your own apartment household of one!

Quickly-changing times
In 1950, the majority of Americans who lived alone were male migrant workers, taking jobs in sparsely-populated rural areas like Alaska or the mid-West. For these workers, living alone represented a temporary situation — one that eventually made way for a typical married life.

Fast forward to 2011. The Census from that year showed that more than 30 million people live alone, compared to the 10 million living alone in 1950. Those 30 million people represent a whopping 28 percent of all United States households. These numbers show that traditional attitudes towards family life and its milestones are changing.

Should You Live Alone or with a Roommate?

The family of one
According to Eric Klinenberg, a professor of sociology at New York University who has written a book on the solo living trend, the appeal of living alone will continue to grow in our tech-obsessed society. Klinenberg suggests that because our smartphones and computers connect us to one another on a 24/7 basis, many people crave alone time. Solitude provides the much-needed respite that many use to recharge their internal batteries.

Census data on marriages also suggests a reason for so many “family of one” households. According to a 2010 Pew Research study, Millennials (the name for the current generation of 18 to 29 year olds) just aren’t in a hurry to get married. Only 21 percent of them are married, in fact. By comparison, 42 percent of Baby Boomers were married by that age, and 29 percent of Gen Xers. It seems, for younger Americans, that living alone is the new definition of “grown up” — an important milestone to cross before moving on to the challenges of adult life, including – perhaps — marriage.

Single Serving: Tips on Cooking Smart for One

Solo in the city
The majority of people who choose to live by themselves find urban centers. In fact, New York City and Washington, D.C., are half-populated by single households. In cities, where resources are accessible and transportation is more communal, the stage is set for individuals to carry out their lives without the same need for at-home support that used to be almost a necessity. It’s arguable, also, that the rise of the Internet has connected people in a way that mediates the need to share a home. For some, the city becomes their home.

“Living alone” and “being alone” are definitely not the same thing. Klinenberg actually found that those who live alone are more likely to be actively social than their married counterparts. He notes that living alone tends to make people seek out more social interaction, shattering the stereotype of the “lonely single guy/girl” and reinforcing that living alone can actually be liberating.

Your Roommate is Leaving You… Now What?

Photo credit: Shutterstock / Kichigan

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After more than three years on the back burner, monthly federal student loan payments will finally resume 60 days after June 30 — and 1 in 5 borrowers could struggle when that happens, according to a new analysis from the federal Consumer Financial Protection Bureau.

Many borrowers could also fall behind on other debt obligations when student loan payments resume. More than 1 in 13 student loan borrowers are currently behind on other bills, an increase from before the pandemic, per the June 7 CFPB report, which analyzed a sample of about 32 million borrowers with outstanding federal student loans.

President Joe Biden’s one-time debt cancellation plan could impact these findings. The Supreme Court is expected to decide by the end of June whether the proposal to erase up to $20,000 in student loan debt per borrower can be implemented. But even if the Supreme Court upholds Biden’s student debt plan, payments will still resume on any remaining debt later this summer.

The CFPB report also touched on risk factors, such as borrower age and the fact that millions of loans are being transferred to different servicers. If you think you’ll struggle when repayment resumes, there are steps you can take now to put yourself in a better position.

Younger borrowers face budget concerns

Borrowers who left school and exhausted their six-month payment grace period during forbearance will need to fit student loan payments into their budget for the first time. That could be a challenge, especially if they’ve rented a pricier apartment, financed a car or taken on other debt with the assumption that they could afford those monthly bills.

And many have done just that, the CFPB found. Today, younger borrowers (ages 18-29) face higher monthly bills than they did prior to forbearance. The typical younger student loan borrower now has median nonstudent loan, nonmortgage monthly debt payments north of $200, up from about $65 in March 2020.

Servicer switches complicate repayment

To make matters even more confusing, the servicer that manages your student loan payments may have switched over the past three years. More than 14 million borrowers — 44% of the CFPB’s sample — will have to work with at least one federal student loan servicer that’s new to them since March 2020.

As a result, these borrowers may need to find out who their new servicer is, in addition to creating new logins with their new servicer and signing up for automatic payments again.

What to do if you’ll struggle when student loans resume

Although this report paints a bleak picture of what’s to come in a few months, student loan borrowers still have time to get ahead of payments and make a plan. Making a plan will be crucial, since the consequences of not paying your bills when they resume can be severe: It could lead to student loan default, a damaged credit score and seized paychecks.

Here are a few steps you can take today to set yourself up for success and avoid missing payments.

If your income fell, or you’re already struggling with other bills

An income-driven repayment (IDR) plan can cap your monthly student loan bills at a set percentage of your income and erase remaining student debt after you make payments for a set number of years. You could owe as little as $0 per month.

To sign up, contact your student loan servicer. You can submit paperwork now so that you’re set to go into an IDR plan when payments resume.

If your servicer has switched

Your federal student loan servicer landscape may have changed over the past few years. You’re supposed to get a letter or email from both your old and new servicer if this happens, but you may have missed a notification if you moved, for example.

If you’re not sure who your servicer is, log in to My Federal Student Aid using your FSA ID to find out. There, you can see your current servicer, view loan details, apply for a direct consolidation loan or sign up for an IDR plan.

If you’re preparing to pay student loan bills for the first time

If it’s your first time paying student loans, you may need to log in to your FSA account to figure out who your servicer is and how much you owe. Your servicer will be able to tell you how much your monthly payment could be under various repayment plans.

And if you have other major monthly bills beyond student loans, now’s the time to take a good look at your spending habits and budget. This could mean reevaluating your current lifestyle.

If you already have student loans in default

If you had student loans in default before forbearance began, you should enroll in a temporary government program called Fresh Start, which allows you to get your student loans back in good standing, build your credit score and sign up for an IDR plan.

Source: nerdwallet.com

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Forget living the high life – go for the spa life! The newest things to look for in apartment community amenities are convenient spa services, on-site and off.

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If this kind of lifestyle is important to your well-being, here are some luxurious options you should be booking for.

On-site aaaaah-ptions
A developing trend in apartment living is the addition of on-site spa and wellness services, including massage, facial and custom treatments. Upscale residences may feature a wellness spa, especially when the building shares patronage with a hotel where guests can use the facility as well.

But you don’t have to be high-brow to make the most of spa life. Smaller apartment communities often offer basics like a pool, hot tub, sauna and steam room. Some even feature a spa treatment room where massage therapists and aestheticians can make house calls.

Nurturing nearby
On-site spa treatment might not be a necessity if you have a spa center located near your apartment. Self-proclaimed spa junkies might look for apartment communities adjacent to med spas, wellness facilities and beauty salons. If your aren’t sure what neighborhood conveniences are in the area, sites like Bliss and SpaFinder can help you scout out a soothing solution.

6 Cheap and Easy Ways to Relax at Home

Off-site services may give you a wider range of options, like laser hair removal, mud baths, specialty peels, collagen treatments and craniosacral (head) massage. To get the best deal on these delights, sign up online to receive updates from SpaWeek, a site devoted to discounts which encourage you to try new services. You can also find great deals on sites like Groupon and LivingSocial for the latest trends in treatments.

Spoil Your Senses at Home in Your Apartment

Outdoor ohms
Remember, not all pampering has to take place indoors. Relaxation is an essential part of the spa experience, and it might be easy to find soothing outdoor spaces in your apartment community.

Does your apartment have a Zen garden, nature trail or dog park? Those are all great places to escape to nature, relax and have a little fun. Venture outside and see what kind of spa-like experience you can create for free. An afternoon on a blanket in a grassy spot might just do the trick!

Creating a spa life means being open to unexpected moments of comfort and relaxation in or near your apartment community. When you need to chill out, why not get out there and explore your options!

How to Hang Out in Your Apartment Community

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When it comes to high-tech phones, you’d naturally assume that larger cities in the United States would be embracing big screen smartphones. Cities such as San Francisco, New York and the recently acknowledged marketing tech capitol Atlanta should surely be adopting new, large screen phones such as the iPhone 6+ and iPhone 7+ at a faster rate to hunt for their apartments, right? Wrong. In fact, our list of some of America’s most tech-hungry cities may surprise you…

America’s Most Surprising Tech-Hungry Cities: Big Screen Phones

City Percent of iPhone 6+ and 7+ Users
Florissant, MO 41.63%
Cordova, TN 38.31%
Newnan, GA 36.43%
Lauderhill, FL 36.24%
Pembroke Pines, FL 35.64%
Maumelle, AR 35.34%
Taylor, MI 34.90%
McAllen, TX 34.81%
League City, TX 34.68%
Gulfport, MS 34.60
Methodology: Device type data was internally sourced from Apartment Guide. Cities with fewer than 300 iPhone visits were excluded. To find the cities with the most eager tech adopters, Apartment Guide looked at the places that had the highest percentage of iPhone 6+ and 7+ visits.

The Handheld Revolution

As more people move to large screen smartphones for a better mobile experience, they’re discovering that they can do nearly everything they need for their apartment search right from their hand, on-the-go. For example, you can do your apartment search, find new ideas to decorate your space and even have everything you need delivered straight to your door making your move a cinch. Additionally, smart home technology isn’t just limited to homebuyers — apartments can get in on temperature, light and even automatic door systems for their pads.

What do you end up using your smartphone for the most? Do you have an app that you can’t live without? Let us know below!

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Editor’s Note: Since the writing of this article, President Biden signed the debt ceiling bill on June 4, canceling the federal student loan payment pause as of Aug 30, or “60 days after June 30.” Later this month, the Supreme Court will decide whether the Biden-Harris Administration’s Student Debt Relief Program can proceed. Loan payments are expected to resume in October.

Student loans are a significant issue in the United States, where consumers have more than $1.7 trillion in total student loan debt. In 2021, the average federal student loan debt per borrower was just over $37,000. And 20 years after students enter college, half of borrowers still owe $20,000 in student loans.

Broken down by degree levels, the debt increases. Graduate students who receive a degree leave school with an average of nearly $70,000 in debt. Law students are saddled with an average of $180,000; and medical students owe $250,000 on average for total student loan debt.

With so many borrowers and so much debt, it begs the question, “Should all student loan debt be forgiven?”

Who’s in Favor?

By a 2-to-1 margin, voters do support at least some student loans being forgiven, according to a poll from Politico and Morning Consult. And 53% of voters from the same poll support Biden’s extension of student loan payments through August.

Proponents of canceling student loan debt point out that the government is partially responsible for this debt crisis. Because many states slashed higher education funding after the 2008 recession, tuition at both public and private colleges has gone up steeply, and many students have been forced to take out even more in loans.

Unfortunately, the increase in student loan balances hasn’t gone hand in hand with a bump in post-college salary. The result is a national situation where borrowers owe increasingly more in student loans but don’t have the paycheck to aggressively tackle their balances.

Although the government has created income-driven repayment options that seek to keep monthly student loan payments affordable, signing up isn’t without its downsides.

Since these income-driven plans often lengthen loan terms, borrowers may pay significantly more interest on their loans over time. Also, any forgiven balance at the end of their loan term is typically treated as taxable income.

Why Forgiving Student Loan Debt a Isn’t a Slam-Dunk

There are several reasons why forgiving student loan debt may not be a straightforward positive. The first is that, according to U.S. tax laws, debt that’s forgiven is a taxable event. Under income-driven student loan repayment plans, for instance, if you make consistent, on-time payments for the life of the loan (20 or 25 years, depending on when you borrowed), any balance remaining at the end of your loan term is forgiven — but whatever’s forgiven is considered taxable income.

The second issue pundits raise with this plan is that it’s being sold as a stimulus: If the government forgives people’s student loan debt, they’ll put money back into the economy, the thinking goes. But forgiving debt isn’t the same as handing people a check.

And finally, the federal government so far isn’t planning to forgive student loans that borrowers hold with private lenders, which average over $54,000 per borrower.

Alternative Options to Canceling Student Loan Debt

Instead of targeting only student loan borrowers who qualify for relief, the government could provide a stimulus check to all Americans, and Americans could decide for themselves how to use it.

If someone has $10,000 in outstanding student loans, for example, they might prefer to use a check to put a down payment on a house or pay off high-interest credit card debt.

Then there’s the higher education system itself. Canceling or forgiving student loan debt may provide only temporary relief as long as tuition levels continue to rise. As it stands, future generations will be saddled with just as much, if not more, student debt than Americans currently have today.

Tackling Your Student Loan Debt

There’s no telling when or if some form of more long-term relief might appear for student loan borrowers. If you’re struggling under the weight of your student debt, there are strategies that might help:

•   Alternative payment plans: Federal student loans come with a variety of repayment options, one of which might suit your situation.

•   Direction of overpayments: If you make extra payments on your student loans, you may instruct your servicer to apply them to your principal, rather than the next month’s payment plus interest. This will help pay off your loans faster.

•   “Found” money: If you receive a work bonus or tax refund, applying it to your student loans can help reduce your balance faster.

•   Refinancing: Refinancing student loans (private and/or federal) into one new loan with a private lender could lower your monthly payment and interest rate, and make it easier to manage payments. Just know that refinancing federal student loans with a private lender means losing access to federal repayment and forgiveness programs.

Recommended: Can Refinanced Student Loans Still Be Forgiven?

The Takeaway

There is no quick fix for student loan debt, which will take further discussion from stakeholders on all sides.

If you are struggling with your own student loan debt, there are options to consider. You can apply for an income-driven repayment plan, apply for student loan deferment or forbearance on your federal student loans, or refinance your loans with a private lender. Keep in mind, though, that refinancing disqualifies you from federal benefits you may otherwise be eligible for.

If you do decide to refinance, consider SoFi. SoFi has a quick online application process, competitive rates, and no origination fees or prepayment penalties.

See if you prequalify with SoFi in just two minutes.

SoFi Student Loan Refinance
If you are looking to refinance federal student loans, please be aware that the White House has announced up to $20,000 of student loan forgiveness for Pell Grant recipients and $10,000 for qualifying borrowers whose student loans are federally held. Additionally, the federal student loan payment pause and interest holiday has been extended beyond December 31, 2022. Please carefully consider these changes before refinancing federally held loans with SoFi, since the amount or portion of your federal student debt that you refinance will no longer qualify for the federal loan payment suspension, interest waiver, or any other current or future benefits applicable to federal loans. If you qualify for federal student loan forgiveness and still wish to refinance, leave unrefinanced the amount you expect to be forgiven to receive your federal benefit.

CLICK HERE for more information.

Notice: SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income-Driven Repayment plans, including Income-Contingent Repayment or PAYE. SoFi always recommends that you consult a qualified financial advisor to discuss what is best for your unique situation.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
SOSL0523028

Source: sofi.com

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No matter what kind of apartment building you live in, units that come with their own private balcony are among the most coveted. Having a small outdoor space like a balcony for your apartment opens up a world of entertaining possibilities, from dinner parties to simply enjoying the view with your morning coffee. Our apartment balcony ideas take you through all four seasons of festivities and relaxation.

But there’s a catch: Unless you live in an area where the weather and climate are mostly the same throughout the year, you’ll need to decorate your balcony in accordance with the seasons. That doesn’t just mean fun seasonal decorations for different holidays like the Fourth of July or Christmas, but weatherizing it so the space is actually usable from installing rain protection during the rainy season to adding a safe outdoor heater during winter. Apartments that come with balconies typically fetch higher rents than other units without, so you don’t want to let it go to waste for half the year. Reclaim and fully enjoy your balcony space with these year-round apartment balcony decorating ideas.

outdoor area balcony ideas

How to decorate your apartment balcony space for all seasons

Unsure how to decorate your tiny balcony for winter so it’s both cute and cozy? Don’t have a ton of floor space but still want to add plants to your small balcony? We’ve got you covered.

For each of the four seasons, we’ve got balcony ideas for how to decorate and best use the space. That way, you can enjoy your balcony as a living space and lounge space throughout the year instead of just for a few months.

small balconies can still be decorated for the holidays as long as you make use of vertical space

Winter

Winterize your outdoor balcony — but keep it cute at the same time — with these winter balcony decorating ideas.

Add a space heater

Set up a cozy space heater in one corner to keep things warm and toasty. If you only have a small space to work with, be careful to keep the heater far from flammable objects like curtains or outdoor rugs. For an extra charming touch, choose one of the models that feature fake logs.

If you have enough space, an outdoor heating lamp works as well.

Enclose the outdoor space to keep it warm

Use zippable plastic walls, curtains or privacy screens to keep heat in and keep the cold out by creating a contained indoor space.

This is also for safety reasons. If your balcony is open-air or snow and ice can still get into the balcony through curtains or tarp coverings, you’ll need to prevent them from building up and turning your balcony into a slippery, potentially dangerous ice zone. Keep a shovel or broom on hand as well.

Add winter plants

Instead of summertime flowers or fall cornucopias, pick out some seasonal or hardy, cold-weather-withstanding plants like miniature conifers. Around the holidays, poinsettias are another nice touch!

Add lots of cozy rugs, blankets and pillows

Gotta stay cozy while enjoying your balcony outdoor space in the winter! Cover your table and chairs, as well as couches and other patio furniture, with plenty of plush, warm throws, blankets, seat cushions and pillows. On the ground, a fuzzy outdoor rug also completes the snug, “cabin in the winter woods” aesthetic.

Light things up with candles

Add candles with seasonal scents like pine to tables and shelves, bringing a warm glow to your outdoor area. But be sure to monitor them and don’t leave them burning unattended. If you don’t feel comfortable with real candles, battery-powered ones also work great.

Make s’mores with a portable mini-firepit

Go all out on the winter season with a mini-firepit to make s’mores, fondue and other cozy foods from the comfort of your own balcony.

Celebrate the season with holiday decor

Tis the season! Whether you celebrate Christmas, Hannukah or another seasonal festivity, deck the halls (or more accurately, balcony and balcony walls), with colorful lights, wreaths, miniature trees and more. Add garlands to your balcony railings, set up a nativity scene on an outdoor table…the options go on and on!

Use a terrarium or small greenhouse to protect plants

If you want to protect plants that don’t do as well in the cold, try adding a small greenhouse or terrarium to shelter them from the elements.

small patio with garden - small balcony ideas

Spring

Spring has sprung, and apartment balconies everywhere should be bursting with life and color! Get your outdoor space ready for the warm season and create your own outdoor oasis with these tips.

Outfit the space with plenty of plant life

Have a green thumb but live in an apartment building that only has tiny balconies? Celebrate the return of greenery by turning your balcony into your own private garden! Potted plants, hanging plants, flowers and more are all great ways to bring greenery and life to your outdoor space. Plus, they’ll all flourish in the fresh air. Just be sure to choose plants that will do well in the apartment environment.

Add hanging planters if you only have a small outdoor space

Don’t have enough square footage or floor space for tons of plants? Install plant hangers from the ceiling instead. You can also hang planters from your balcony railings.

Install a rail planter or vertical garden

Another great option for plant lovers with small balconies is to install planters that hang off your balcony railing. A railing planter won’t take up space on the floor and makes for easy watering (just make sure you’re not dripping on your neighbor down below!)

The exterior wall of your balcony is an often overlooked space when it comes to decoration and utility. Put that vertical space to use with vertical planters. Vertical planters are another easy way to have potted plants in small spaces. Vertical gardening maximizes space, holding lots of small potted plants so you can have everything from flowers to fresh herbs.

Set up furniture

Store away the cold-weather coverings in favor of colorful, warm-weather comfortable furniture like tables and chairs. If you have enough space and love spending time outside, you can even try to install a day bed in one corner so you can lounge.

At the same time, though, you don’t want to overfill the whole space. Give yourself more space to move around by choosing stylish but space-appropriate furniture like a small table or

Choose furniture that’s easily storable

With summer right around the corner, you know what that means? Parties and having friends over! Because of this, you’ll want to make sure your balcony isn’t too crowded or has too much stuff. During spring and summer parties, people can hang out on the balcony to drink, smoke or just chat. You want to have as much access to the entire space as possible so your guests aren’t crowded.

An easy way to seamlessly change the space for parties is by choosing folding furniture and stackable chairs that easily disassemble and can be stored away. Nesting tables are another great option. If you have hanging chairs or hammocks, they should be easy enough to take down for parties.

Choose weather-resistant fabrics

If you plan on leaving your balcony open to the elements during spring and summer, you want to protect your furniture and decor from rain. Choose weather-resistant fabrics or have them treated to be more water-resistant so they won’t grow mold or get discolored.

Jazz up the floor with tiles or rugs

Does the balcony have ugly or uncomfortable flooring that draws the eye, becoming a sad focal point amid all the other thoughtful interior design you’ve done? Hide flooring with colorful, patterned rugs or interlocking deck tiles for a more sophisticated, upscale look.

add rattan or folding furniture to sit outside all summer

Summer

It’s summertime, so spend all your time outdoors on your balcony in the perfect space you created for the season.

Get your grill on

A great idea for how to enjoy your balcony in summer is by adding a grill! If space permits, stick a grill into a corner to host summertime barbecues and dinner parties. Just be sure to make sure your apartment complex allows grills on balconies, as some only permit them on a small patio area.

Add fans to beat the summer heat

Install ceiling or small table fans to keep airflow going on hot days.

Add a hanging chair to maximize room on your small balcony

Only have a small balcony space with not enough room for lots of balcony furniture? Install a hanging chair, swing or hammock to maximize floor space.

Elevate the space with tall plants

One of the best small balcony ideas for making the space seem bigger is adding the illusion of height. Lengthy palms and tall plants help the space open up, as well as make you feel like you’ve entered a literal urban jungle.

Add a festive feel with string lights

Swap out the colorful holiday lights for chic string lights to illuminate your balcony at night. Just make sure they’re intended for outdoor use. Even better: a great alternative to regular lights is eco-friendly solar string lights. That way, you don’t need to plug them in or swap out batteries.

Add new summertime decor

Break out the Independence Day decorations, watermelon-themed decor and more to help your balcony match the summertime vibe. That calls for new throw pillows, light-colored cushions and fabrics, wafting flags and banners. Have fun and get creative!

a small square footage space outdoors feels cozy in the fall with an outdoor rug and something warm to drink

Fall

Make your balcony feel like fall in all its color-changing foliage glory with these tips.

Add a cozy rocking chair

Sit back, relax and watch the leaves change while snuggled up with a good book and hot drink in a rocking chair.

Keep things spooky with Halloween or autumnal decor

From pumpkins and jack-o-lanterns to putting a cornucopia on your balcony table, there is no end of ways you can decorate the space for fall. Wind garlands around railings, hang fake spider webs (just make sure birds won’t get caught in them), carve jack-o-lanterns and set up tons of candles for an extra spooky atmosphere.

Keep it clean

Keep a broom on hand to sweep fallen leaves and other debris

Start adding the cold weather cozies

It’s time to start breaking out the blankets, throws and snug rugs again as the days get colder.

Use our apartment balcony ideas to stay practical and stylish

Make your balcony the place to hang out and be no matter the season. And as you can see, you don’t have to be a professional interior designer to turn an open balcony into an all-season space for socializing, alone time, gardening or whatever you want to do.

Still looking for a place with an outdoor getaway built right in? Find your next home here.

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A great neighborhood is more than just its location, location, location.

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The best places to live are convenient and appealing in a number of ways — some of which you might not typically think about.

Here’s our guide to six factors that add a particular wow factor to a locale, the qualities which can make a neighborhood a really great place to live.

Culture & entertainment
Where do you take your family and friends when they come to visit from out-of-town? Think about the places you both enjoy personally and also enjoy sharing to understand just how important culture and entertainment options are in a great neighborhood. Simply put, the best neighborhoods are places where there’s lots of stuff to do — like enjoy the coolest new restaurants, browse a museum, catch a play or concert, grab a beer, or go for a hike. The best, hippest neighborhoods offer a variety of options that make living there ever-interesting.

Social gathering spots
Great neighborhoods reflect the people living there, and that’s why social interaction is an important factor in the best communities. These places offer opportunities for neighbors to get to know each another in public spaces. These opportunities can be created by walkable sidewalks, benches on street corners, patio dining and other social spots where people can interact.

The Garden District in New Orleans is noted as a great neighborhood by the American Planning Association. The neighborhood's historical residences and beautiful live oak trees lend a stunning visual appeal.
The Garden District in New Orleans is noted as a great neighborhood by the American Planning Association. The neighborhood’s historical residences and beautiful live oak trees lend a stunning visual appeal.

Visual interest
According to the American Planning Association (APA), a non-profit organization dedicated to the growth of better communities, visual interest is an important factor in a great neighborhood. By APA standards, a great neighborhood is one that features interesting architecture and design, such as historically-preserved homes or sculptures made by local artists.

Great neighborhoods are comfortable and appealing. They feature intriguing storefronts, clean streets with good lighting, and flowers and trees that look inviting. The visual interest these qualities create is important because it beckons people to hang out in the neighborhood — and come back again and again.

Convenient amenities
You might have the most beautiful apartment home imaginable, but if it’s not situated near the amenities and services you prefer, you may soon feel that something’s missing. That’s why the Project for Public Spaces (PPS), a non-profit organization, considers the “Power of 10” one of the most important features in a great neighborhood. The Power of 10 refers to the ten most important places any resident needs in a neighborhood: places like a handy supermarket, walking park, or favorite spot to grab a snack. These are the most important, useful and fun places in a great neighborhood, according to you!

Accessibility
Great neighborhoods are also easy to get in and out of, serving residents and visitors with a network of organized streets and alternate methods of transportation. They’re walkable, bikeable or drivable places where it’s easy to get around.

Memorable character
All of these great neighborhood factors add up to memorable character: the essence of a place that makes it really stand out from the rest of the city’s surroundings. Memorable character is what fosters a sense of pride in a place. For the residents of that community, there will always be stories to tell of life lived there.

Photo credit: Shutterstock / Creativemarc, Natalia Bratslavsky

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Want to get a rep as the grillmaster with the fastest flip?

Be known as the neighbor with the sassiest sauce?

Find your perfect apartment now!

Learn how to work your apartment community barbecue grill like a pro when you follow these rules of the roast!

Master your main course
 Whether you are a meat-eater or a veggie-lover, you can increase your BBQ clout by mastering a main course. Understanding how to grill different types of meat or how to barbecue veggies to perfection takes time. Start by picking one main dish to master. When you can make the most amazing hot dogs or pork chops, you’ll be a sizzling sensation at the community grill.

Choose your weapon
Your apartment community may provide grills for residents to share and enjoy. If you want to invest in a personal grill, however, you have plenty of grilling options.

  • When you want to fire it up fast, a gas grill is right for you.
  • If you can wait patiently for chargrilled flavor, then a charcoal grill is your best bet.
  • If you are afraid of fire — but love cooking outdoors — try an electric grill.

Not all grills are created equal, but just about any grill can make a mean burger!

Know the rules of the grill
The most important of all grilling tips is to always follow your community’s grilling guidelines. A good grillmaster takes risks with flavor combinations, but not with grilling safety. Check the Hearth, Patio and Barbecue Association’s list of safety rules.

Most apartments won’t let you have combustible materials within 10 feet of a building or decking, so discuss the details with your property manager before grilling out. Or use your community grill to play it safe (and make friends!)

Grill Out! How to Barbecue Like a Pro in Your Apartment CommunityCome equipped
For the best results, assemble great grilling gear. There’s a cornucopia of grilling tools on the market ranging from frugal to fancy. No matter how much you spend, you’ll need the basics:

  • Spatula
  • Tongs
  • Meat fork
  • Marinade brush
  • Carving board
  • Meat-slicing knife
  • Meat thermometer

In addition to these essentials, you can spice things up with specialty grill gear like a monogrammed steak brand or a hot dog rack.

Season with style
A list of barbecue tips and tricks wouldn’t be complete without a mention of sauces, rubs and marinades. These tasty additions add oomph to an ordinary piece of meat. You might try the sauces on your local grocer’s shelf, or get exotic and join a BBQ Sauce of the Month club.

Share your skills
You’ve worked hard learning to barbecue like a pro, so don’t keep that rack of ribs all to yourself. Plan one night a week to grill out with your friends and show off your skills. Ask them to bring side dishes, drinks and desserts to help round out the menu. At least once a year, heat things up by hosting a grilling competition!

Grill Out! How to Barbecue Like a Pro in Your Apartment CommunityMore Summer Apartment Living Links
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Photo credits: Shutterstock / Eldad Carin, Jill Chen, sevenke

Apache is functioning normally

Failing one class does not mean you’ll automatically lose access to federal financial aid. But these funds do have academic eligibility requirements, as outlined in your school’s satisfactory academic progress (SAP) guidelines. So if you fail to meet the SAP requirements set by your school’s financial aid office, you could be cut off from future aid.

Federal aid — any aid you received by submitting the Free Application for Federal Student Aid (FAFSA) — could include need-based grants, work-study and federal student loans. These could be taken away if you violate your school’s SAP policy.

Each institution defines its own SAP policy, so requirements could vary. But many schools follow these guidelines.

Students must:

  • Maintain a minimum cumulative GPA between 1.6 and 2.0.

  • Complete at least 67% of all attempted credit hours.

  • Finish a degree in no more than 150% of the program’s average number of required credit hours. (If the degree typically requires 120 credits, you can only get financial aid for 180 credits — including classes that you failed or dropped.)

Contact your school’s financial aid office for information on your specific SAP requirements.

What happens if you fall below your school’s SAP requirement?

Before cutting your access to federal financial aid, a school may issue a warning and put you on probation. You may still have access to federal funds during this time, but your grades, for example, are expected to improve. If you do not achieve SAP standards by the conclusion of your probation, you will be unable to receive federal funds until you do. How long you’re ineligible for aid depends on how often the school evaluates student performance.

Some schools only offer SAP probation if you fail to meet academic guidelines due to extenuating circumstances, such as a death in the family or serious illness or injury. By submitting a satisfactory academic progress appeal, you can explain why you could not meet SAP standards and why you believe you will be able to meet those standards in the future. If your appeal is approved, you may be able to maintain financial aid eligibility while the college monitors your progress.

How to regain eligibility for financial aid

To regain access to federal aid, you’ll need to show your institution that you can make satisfactory academic progress as outlined by the financial aid office. You might need to:

File a satisfactory academic progress appeal. Depending on the school’s process, filing an approved SAP appeal could help you regain access to aid faster by placing you on probation, where your performance is evaluated more frequently.

Retake courses at your current school. To improve your GPA or pass more classes, you may need to retake what you previously failed. This can be hard to do without federal financial aid. You may need to consider private student loans to close the temporary gap in funding — but only if you have a solid plan to improve your grades and meet SAP standards.

Transfer to a less expensive college. Improving your grades without financial aid is no small feat. Consider transferring to a less expensive university or community college while you raise your GPA and accumulate enough credits to meet SAP requirements. You can also enroll part-time so that you can work while taking classes.

Submit the FAFSA every year. Your completed FAFSA is valid for one academic year. Complete the FAFSA each year to qualify for federal aid, especially if you’re in better academic standing and are now meeting SAP requirements.

Source: nerdwallet.com

Apache is functioning normally

Nothing says summer quite like the first day at the pool. The sun is beaming down, the air is hot and the water is sparkling and blue. You can almost feel yourself taking the plunge and emerging from the crisp water feeling refreshed and energized.

You don’t need to be a member of a fancy club to enjoy the perks of swimming pools. In fact, you can have access to the pool every day (or as weather permits) if your apartment complex has a pool on-site.

If this piques your interest, here are some additional benefits to consider when hunting for apartments with pools. Soon, you could be sitting poolside in the comfort of your own home. You’re just a lease away. With that, let’s dive into the perks of apartments with pools.

11 reasons to consider apartments with pools

If having a pool on-site isn’t an immediate dealbreaker, then it’s our job to convince you that apartments with pools are the best. Here’s why.

1. Opportunities to socialize

When you live in an apartment, the apartment itself might be too small to host larger parties or social gatherings. However, when you have a community pool, you instantly have access to more space to throw a party poolside. Apartments with pools provide you with built-in opportunities to throw a summer barbecue, a birthday party or an apartment neighborhood social.

Alternatively, if you don’t want to host, you can mix and mingle with fellow swimmers at the pool and meet new friends within your own community.

2. Low-impact exercise close by

Swimming is a great exercise for people to consider. It’s low-impact, which means it isn’t strenuous on your joints but you are sure to burn calories and stay fit. Swim a few laps and call this your form of exercise for the day!

3. Save money on gym memberships

If you don’t have a pool at your apartment, you may need to purchase a gym membership to have access to a lap pool. However, when you look for apartments with pools, you immediately have access to the pool so you can start exercising in this low-impact, high-result manner. Think of it this way — apartments with pools are like automatic gym memberships.

4. It’s a reprieve from the heat

Summer is hot. And there is nothing like cannonballing into the pool to cool off. When your apartment comes with a pool, you can take a dip every day to cool down and enjoy the heat in a more comfortable fashion.

5. An inexpensive way to entertain friends

Life is expensive, even for many high earners. Sometimes, going out for dinner and drinks or catching a movie is just too expensive on a regular basis.

That’s when apartments with pools come in handy. When your apartment is equipped with a pool, you can invite your friends over for free, or at a relatively low cost. Keep in mind that some apartment complexes charge for a day pass, but that will vary by apartment.

Either way, it’s an inexpensive way to entertain friends on a budget. Plus, it’s always a crowd-pleaser so you won’t have to argue about where to eat or which movie to see.

6. Great place to take a break

Are you feeling cramped in your apartment and need out? Well, take 30 minutes to swim laps or read a book by the pool to get out of your space. And, if you work from home, spend your lunch break swimming or catching up with emails in the shade of an umbrella.

7. Indoor pools can be used all year long

If you’re lucky enough to find a place with an indoor pool, you can enjoy it year-round. Likewise, if you live in a city with 365 days of sun, you have access to entertainment all year long.

8. Enjoy the outside

We don’t go outside enough and apartments with pools provide the perfect excuse to get outside and enjoy the sun. When you have a pool as an apartment amenity, it’s a great way to ensure you stay active and get outside.

9. Keep your kids entertained

Summer break can be long for parents. Why not take the kids to the pool several days a week this summer? Apartments with pools are a great way to keep kids (and parents!) entertained during the dog days of summer.

10. You don’t need to travel to stay entertained

Summer vacations can be expensive and if you have kids, you mostly want to be by water anyway. So, when have an apartment with a pool, it’s like you’re on vacation all summer long but at a fraction of the cost!

11. Meet new friends

Community gathering centers, like an on-site pool, are a great way to meet your neighbors and make new friends. If you’re new to an apartment or city, you can socialize with fellow swimmers, start conversations and make new friends. Soon enough you’ll be scheduling regular pool dates with your new bestie.

Things to consider when looking for apartments with pools

Are you convinced you need to find apartments with pools for your next home? Well, we do need to outline some other things to consider before you sign the lease.

Apartments with pools cost more

Pools are an added luxury and so you’ll pay more to have that amenity. The cost can vary. Sometimes, it’s included in your rent and other times it’s an additional fee or annual purchase you can add on. While the benefits of a pool are vast, you do pay more to have access. Keep this in mind when budgeting and when you’re searching for apartments with pools.

Apartments with pools may be in higher demand

If you live in a city that is notoriously hot — think Phoenix or Orlando— pools are in higher demand. So, it may be more difficult to even find an available apartment with a pool. Likewise, families who are looking for apartments may be more inclined to find a place with a pool, so this can impact the market.

Pools can be dangerous

While swimming is a blast, it also can be dangerous. When you rent an apartment with a pool, you need to understand that there is inherent risk when you live near water, especially if you have young children. Be sure to understand these risks and take proper precautions before finding apartments with pools.

How to stay safe when poolside

Staying safe when swimming is the number one priority. When you live near a pool, you must be vigilant about practicing pool safety, especially if you have children. Here are some of the most critical things to think about to stay safe when living near a pool.

  • Always keep an eye on your children, even if they know how to swim
  • Never let children go unsupervised by the pool
  • Wear flotation devices if you don’t know how to swim
  • Don’t swim if you’re drowsy or under the influence
  • Wear sunscreen
  • Don’t dive into shallow water
  • Sign your kids up for swimming lessons

Pools are fun but can be dangerous so stay on your guard if your apartment complex has a pool.

Find your perfect next apartment with a pool

Now that you know some of the pros and cons of renting an apartment with a pool, you can begin your apartment search in any state and filter by amenity to ensure this feature is included. Happy swimming and house hunting!