Are You a Points and Miles Hoarder? Here’s How to Get Over It
Many frequent travelers amass huge piles of travel points and miles, which might sound smart, but it has downsides. Hereâs how to break the oversaving mindset.
Many frequent travelers amass huge piles of travel points and miles, which might sound smart, but it has downsides. Hereâs how to break the oversaving mindset.
What are the best life insurance companies in 2019? Find your perfect fit for term, whole and universal life insurance policies, just for starters.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Whether you are looking to quit the daily grind or trying to make extra cash as a way to get out of debt, starting a home business or side hustle can be the ideal way to meet your goals.
The post 47 Home-Based Business Ideas To Start Making Money Now! appeared first on Good Financial Cents®.
Todayâs guest is Michael Pinter, a friend and investor out of New York. Every market has different challenges to it, and North Eastern markets are no different. In fact, they may present some of the biggest challenges for new investors. Today Michael shares how things are different for investors in New York, from the closing process to marketing differences, overcoming the âNew York Attitudeâ, to how things differ with various exit strategies. Ready? Letâs jump into the show!
The following post was sponsored by the GM BuyPower Card from Capital One®. All opinions are my own and not directed by Capital One. To learn more about the GM BuyPower Card, click here. When Mandy and I built our âdream homeâ many years ago, we thought we would stay there forever. But we all […]
The post Price-Shopping, Rewards Programs, and Packing Strategies: How We Saved On Our Move to Nashville appeared first on Good Financial Cents®.
Making money on the market is very different in 2019 from years ago. Hereâs what you need to know about how to invest, from DIY brokerage accounts to robo-advisors and more.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
We all need help with our homes sometimes. Here’s where to start!
The post What is a Professional Decluttering Business? 8 Reasons It’s Time to Invest in One appeared first on The Rent. Blog : A Renterâs Guide for Tips & Advice.
Impulse buying can wreak havoc on your bank account. Hereâs how to cut that mindless shopping habit out of your life.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
âTerryâ was my first hoarder client. About 50 years old, he worked as a custodian at a high school in a small town not far from where I was living at the time.
He was a genuinely nice guy and proud of his collection of washing machines from the 1940s onward. Â
Now, âcollectiblesâ to some people are pure junk to others. To Terryâs neighbors, his front and backyard, as well as the inside of his rented home had become a dangerous junkyard, complete with rats and other vermin that freely roamed the property.
The place was overflowing with, not just washing machines, but broken-down cars, airplane parts, toilets, sinks, you name it. In those years, he was known as a junkman. Today he would be called a hoarder.
He had received and ignored notices from his townâs code compliance officers to remove the items, and especially the things that made entry or exit from his home dangerous. With few window coverings, the homeâs interior was visible, piled to the ceiling with âstuff.â
His wife and children were living in dangerous conditions that Terry did not acknowledge. With the assistance of code compliance, they and their landlord arranged for a meeting at my office to work out a clean-up plan with Terry â or he would face prosecution.
I was asked to drive Terry to my office. In reality, behind my back, during our lengthy afternoon meeting, Terryâs wife â with the enthusiastic approval of the landlord â had embarked on something like an intervention. Later she told me: âI hired a disaster restoration company and told them to remove every last piece of junk from inside and outside the home. Anything of value was purchased by a scrap dealer.â
The crew did such a good job that when I drove Terry home, it took a few minutes before we could find his house!Â
I have to admit that it made me happy to see this crap gone and a bit of sanity restored to his family and the neighborhood. Terry got into therapy and did not repeat his hoarding behavior. He was lucky as there is a high relapse rate among hoarders.
But this was well before the psychology of hoarding became widely understood. Today, if the same things happened, some poor landlord â driven out of his mind by the insanity of having a hoarder as a tenant â could wind up being sued.
Once called âjunkmen,â hoarders â whom landlords and officials agree pose major risks to the health and safety of not only themselves, but their families, neighbors and communities â are viewed as suffering from various forms of mental illness. This means hoarders are generally protected under the Americans with Disabilities Act.
âThis is why it is so important for landlords and property managers to have proper language in their rental agreements that covers these types of tenants and scenarios,â San Diego attorney Evan Walker points out.
Rent Pro, based in Lancaster, N.Y., recommends that landlords consider adding what is called a housekeeping addendum to their rental leases in states where it is permissible. The addendum outlines the standards tenants are expected to meet, including such stipulations as:
Violating these terms will subject the tenant to eviction.
âState law requires landlords to maintain habitable dwellings, and also requires tenants to keep their units clean and sanitary, disposing of garbage properly, avoiding excessive clutter and not damaging the property or using the premises in an improper way.â Walker said. âSo, when you are on notice that the tenantâs âstuffâ is blocking exits or doorways, interferes with ventilation or sprinkler systems, and attracts pests because of improper food storage â to list just a few â this could be a hazard for other tenants, and could be considered as a violation of the rental agreement and, likely, state law.  Â
âAt this stage, contact the tenant, point out what you have seen, and politely â but firmly â indicate that if the problem isnât resolved, you may have to file an eviction suit. Be sure you can prove that you have brought these items to the tenantâs attention.â
Pasadena, Calif., property manager Jon Anthony Dolan says: âDocument everything! If the tenant will not respond appropriately and clean up the mess, you may have no choice but to evict them. So, begin preparing for the possibility now and document your correspondence with the tenant and keep detailed, chronological records. This means taking videos, photos, detailed notes which establish a record of the property’s condition. This material is critical to prove your case.â
You must be able to prove that notice to cure the tenant’s breach has been provided. Do this with a certified letter or with a letter hand-served on the tenant, and if no one comes to the door, have it posted on the front door, with photos taken. It is important to follow your state’s rules for Service of Process just to be sure you can establish giving the tenant every possible opportunity of curing the breach.
Dolan stressed the importance of understanding what you are NOT evicting them for. âYou are not evicting them because they are a hoarder, because if you use that language, it is a violation of Fair Housing laws, since mental illness is a protected class.
âIn addition to a possible violation of the rental agreement, often the hoarding behavior can be seen as a nuisance to other tenants if it substantially interferes with their use of the property. For example, filth that creates a pest infestation, and clutter in common areas can create accessibility issues for EMS personnel.â
Walker strongly recommends retaining experienced landlord-tenant counsel, âas hoarders are among the most difficult of tenants. They may be unlike any tenant you will ever have, and the risks of being sued for violating their rights are very real.â