Another Free Posting Blog

A lot of what is widely regarded as true about Christmas or held as a
tradition cannot or has not been verified, or, has changed through the years.
Even Christmas Day itself, Dec. 25, has been questioned about whether that is
the exact day on which Jesus was born. Skeptics have asked why would shepherds
be out in the cold watching their flocks by night during the winter. Those
skeptics have put forward the thought that Jesus may really have been born in
the spring instead. It is therefore little wonder that there are many fancy
stories and tales that are told about Christmas and the Christmas season.
The most common fancy tale that everyone tells, particularly to children,
is about Santa Claus, also called St. Nicholas. But even if it were accepted
that Santa Claus existed, where does he live and how is he able to get to all
the houses of good boys and girls on Christmas Eve?
In the United States, Santa Claus is said to have two homes. There is a
home in Torrington, Connecticut, which is used as a distribution point for Santa
and his many helpers, who are elves, to hand out gifts. And then, a second home
is said to be located in Wilmington, New York, and that is where Santa Claus and
his delivery reindeer crew are located.
But Santa can be visited in Cyberspace at anytime and what about the
widely held belief that Santa Claus really lives in a village at the North Pole?
The people of Finland also claim that their country is the official
residence of Santa Claus. That's because in Finland, you can actually visit a
village any time during the year and see Santa's workshop and observe Santa and
his elves hard at work as they prepare for their very important Christmas gift
delivery job on Christmas Eve. The only day when Santa's workshop is closed to
visitors is of course, on Christmas Eve.
Maybe a very smart visitor could visit Santa's workshop on the day before
Christmas Eve to see if there are any clues to how Santa and his reindeers plan
to make their trip the next day. That's because as the tale goes, in Finland
Santa Claus and his reindeers do not reach their destinations around the globe
by flying.
Finland welcomes visitors to Santa's workshop but there is nothing said
about whether visitors actually have any chance of having a word with the man
himself. While the chances of doing so are believed to be non-existent, among
the questions that inquiring minds could ask Santa is whether Rudolph is the son
of Donner (and to confirm the spelling - Donner or Donder) or whether Santa
spotted him in a different reindeer village one foggy Christmas Eve when he had
already started on his Christmas toy-delivery mission.
If mere mortals got a chance to question Santa, then he also would likely have
some questions for us humans. He may want to know whose idea was it to have
Christmas trees and for the gifts to be placed under them.
The tradition of Christmas tree as it exists today comes from Germany by
way of immigrants. But it isn't clear how the tradition really gained a foothold
in Germany. One story is that Christians in Germany during the 16th century
started to bring trees that were decorated into their homes. Some of those
Christians would build pyramids for Christmas. The pyramids were made of wood
and would be decorated with evergreens and candles if wood was in short supply.
It is however Martin Luther, a Protestant reformer, who is said to have
been the first to add lighted candles as decoration to a tree based on his
inspiration from the brilliant light of twinkling stars that shone through
evergreen trees as he walked home one winter evening.
As the legend goes, Martin Luther placed a tree in a primary room of his
house and placed wires with small, lighted candles around the branches of the
tree. And that is how, as the tale goes, the Christmas tree as known today, was
started.

During the Christmas season, summer and its body-conscious state of mind
are distant memories. Hearty indulgence in the many foods shared at Christmas
therefore doesn't produce the same feelings of guilt. Nevertheless, its not a
pleasant thought to start the New Year carrying any extra pounds. So why then
eat yourself into a resolution to 'take off a few extra pounds' if you can
smartly avoid it?
Whether it's sharing cookies and candies at work, or having an evening out
at a party or dinner, you can have Christmas food and enjoy it. While you seem
to be eating heartily with a smile, the key is to have a secret strategy of
moderation. It involves sticking to a plan that can be called 'Eating on a
Budget.'
'Eating on a Budget' is not about the cost of what is eaten, but about the
quantity of what is eaten. It is important that a 'budget' or eating in
moderation plan is developed because it is almost impossible to avoid exposure
to a lot of cookies, candies and other sweets at Christmas. At work, you may
risk appearing like the Grinch who stole Christmas if your response will always
be something like, 'Uh..no..bah humbug' all the time that some Christmas goodies
are offered. It will seem as if you aren't in the spirit of the holidays
especially since at that time of year everyone is usually in a festive and more
relaxed mood, and the pace at work is usually slower.
A practical way to partake in Christmas goodies, for example, is to
substitute some holiday cookies for say the bagel that you usually have with
breakfast or for a mid-morning snack. And instead of just taking one cookie,
from the platter, which is noticeable and likely will encourage a colleague to
tell you to have more, take three instead. That's where the plan can come into
play. You can then enjoy the cookies over two or more hours, because nobody will
be watching how you really eat. You can always have a few candies, one cookie or
a cookie and a half by your desk and that way it will seem as if you are
heartily enjoying the holiday treats.
Another strategy is to bring - bake or buy - low calorie Christmas cookies
and candies to work to counteract others that are being offered. Since eating
healthy is highly encouraged, health-conscious cookies will not be looked down
upon so long as they taste great. A box of sugar-free Christmas chocolate
candies for example will look just as delightful as regular chocolate candies.
It's interesting to note that in a poll sponsored by the National Confectioners
Association in 2004, chocolate was the favorite food gift that Americans said
they preferred to receive for the holidays. The lowly and much maligned fruit
cake was last on the list. The second favorite holiday food gift was a fruit
basket and a plate of cookies was third on the list, according to the
Association.
For an occasion such as a Christmas party or a dinner, including Christmas
Dinner, where larger quantities and selection of food is available, the 'Eating
on a Budget' plan means that serving portions and the choice of food selected
should be carefully watched.
At a party where more desserts and sweets are likely to be available, a few of
the selections can be sampled. If the urge to try everything can't be resisted,
then do so, but then second helpings have to be severely limited. The same is
somewhat true for Christmas Dinners. One big difference is that the food served
during Christmas Dinner will be heavier, so by selecting portions wisely, one
can always say truthfully that the stomach is full.
And indeed, after a sumptuous Holiday Dinner, your body is likely to be full
from food and your soul full of joy from sharing another memorable holiday
tradition with family, friends and loved ones.

1. Christmas trees were first lighted with actual candles, which presented a fire hazard. As a result containers filled with water
had to be kept near the Christmas tree.
2. Workers in the construction industry are responsible for the tradition of having a Christmas tree on display at Rockefeller
Center in New York City. They are credited with placing an undecorated tree at the site in the early 1930s.
3. Since the mid-1960s, The National Christmas Tree Association has maintained a presence in the White House at Christmas
by donating a Christmas tree to the First Family.
4. The former Woolworth department store first sold manufactured Christmas tree ornaments in 1880.
5. Plastic became the primary material used to make tinsel after their use for decorative purposes was at one time prohibited
because lead was used in the manufacturing process.
6. The idea of Christmas greeting cards started in Britain in the late 1830s when John Calcott Horsley started to produce small
cards that had festive scenes and a holiday greeting written inside. Similar cards were also being made in the United States
at about the same time by R.H. Pease, in Albany, New York, and Louis Prang, who was a German immigrant. The idea of
sending the greeting cards during Christmas gained popularity in both countries about 10 years later when new postal
delivery services started.
7. The shortened form Xmas for Christmas has been popular in Europe since the 1500s. It is believed to be derived from the
Greek word 'Xristos' which means Christ.
8. According to the National Confectioners Association, for 200 years candy canes were only made in the color of white and
it wasn't until in the 1950s that a machine was invented that could automate the production of candy canes.
9. The day after Christmas is called Boxing Day in England and it is a national holiday. Several stories exist for the
origination of the name. It is believed to have originated from the practice of boys who would be about collecting money in
clay boxes. Another thought is that the term is derived from a custom in the Middle Ages, about 800 years ago, when
churches would open their 'alms boxes' and distribute the contents to poor people on the day after Christmas. Alms boxes
are boxes in which donations of gifts and money would be placed. Yet another belief is that it comes from a custom of
masters giving their servants Christmas presents in boxes on the day after Christmas.
10. Evergreen trees had special meaning in winter to people, particularly in Europe, before Christianity started. Ancient
peoples would hang evergreen branches over their doors and windows because evergreens were believed to ward off
witches, ghosts, evil spirits and illness. For worshipers of the sun god, evergreen plants were a reminder of all the green
plants that would grow with the return of summer and the sun god being strong again.
11. In ancient times, many people worshiped the sun as a god in December because they thought winter occurred yearly
because the sun god had fallen into ill health. They therefore celebrated the winter solstice because it was a sign that the
son god would begin to regain strength and return to good health.
12. Legislators in Congress did business on Christmas Day in 1789, which was the first one to be observed under the country's
new constitution. The reason for the Congressional session was because it had become unpopular then to observe and take
part in English customs following the American Revolution. And when Christmas celebrations were barred in Boston
earlier in 1659 to 1681, it became a costly thing to be seen participating in any event or activity related to Christmas.
Anyone caught doing so had to pay five shillings.

Christians celebrate Christmas to observe the birth of Jesus Christ, which is an event and not a tradition. But many other
activities related to celebrating the Christmas season evolved from certain traditions, many of which are from other countries,
particularly from peoples in Europe.
Among common items used in Christmas decorations are the holly and the mistletoe. Both are used primarily in wreaths
and garlands. The Druids started the tradition of using the mistletoe as decorative items up to two hundred years before Christ. To
celebrate the winter season, the Druids would gather the plants and use them to decorate their homes. The Druids believed the
mistletoe would bring good luck and ward off evil spirits. They also believed that the mistletoe had a healing quality and could be
used for everything from healing wounds to increase fertility.
In Scandinavia, the mistletoe was seen as a plant of peace and harmony and was associated with Frigga, the goddess of
love. This association is probably what led to the custom of kissing under the mistletoe. In the Victorian period, the English also
would hang mistletoe from ceilings and in doorways during holidays. The habit developed that if someone was standing under the
mistletoe, someone else in the room would kiss that person. Such outright behavior was not generally seen in Victorian society.
The use of the mistletoe in Christmas celebrations was once banned by the church however because of its associations with
pagan traditions, and the use of holly was suggested as a substitute.
Poinsettias are another traditional decorative flower used at Christmas. It is native to Mexico and is named after Joel
Poinsett, who was the first U.S ambassador to Mexico and who brought the plants to America in 1828. Mexicans believe the plants
were a symbol of the Star of Bethlehem and that's one reason they are associated with Christmas. There's also the story that a young
boy was going to see the Nativity Play at a church but realized he didn't have a gift for Baby Jesus. The boy gathered some green
branches, which others scoffed at. But as he placed them near the manger, a bright red poinsettia flower started to bloom on each
branch, which gave rise to their traditional use at Christmas.
Candy canes became a Christmas tradition not because their red and white stripes matched the colors of the season, but for
the most unusual reason of discipline. that's because they were first used as treats that were give to German children to keep them
well-behaved for the duration of church sermons. Over time, the legend of candy canes at Christmas came to be associated with some
of the strongest symbols and beliefs of Christianity: the Father, Son and Holy Ghost known as the Trinity, the Blood of the Son of
God, Jesus as the embodiment of holiness, purity and without sin and the Son of God as the shepherd of man. The candy cane
represents these symbols respectively with its three stripes, its red and white color and its shape.
Sending greeting cards during Christmas and the holidays is as prevalent today as the custom of giving gifts. The tradition
of sending Christmas cards started in 1840 in Britain with the start of public postal delivery service of the 'Penny Post.' Then from
about 1860, large numbers of Christmas greeting cards started to be produced. The popularity of the cards increased in Britain when
they could be sent by the postal service for one half-penny, which was half the price to post a standard letter at the time, if they were
in an unsealed envelope. Religious pictures of Mary, Joseph , Baby Jesus, the angels, shepherds and Wise Men were traditionally
placed on Christmas cards. Some cards today include scenes from the Nativity, but pictures of Santa Claus, winter scenery, Christmas
trees, gift packages and others are also depicted on contemporary Christmas greeting cards.

Nov. 24 – Black Friday – the day after Thanksgiving, you have time off from work and it's the official start of the Christmas season
and of Christmas shopping. Stores are open 3-4 hours earlier and they close later. Holiday sales begin, it's the first time that some
items will be available…. but definitely won't be among the crazies up at 4am to get to the top of the line to make some wild dash for
the $99 flat-screen television or the Crazy Elmo toy. (Black Friday is the second single biggest shopping day for retailers and got its
name because in the days of old so much shopping was done on this day that it would turn the tide for many stores and put them in the
black, or, make them profitable.)
Dec. 2 – First Saturday in December – weekends are important because it means free time to shop. The early holiday and Christmas
shopper should be more than halfway through shopping list. Average shoppers are just starting to browse.
Dec. 3 – First Sunday – weekend Christmas shopping can be done but stores close the usual earlier time on Sundays.
Dec. 7 – Pearl Harbor Day – it isn't recognized by most but is very important to war veterans. The President usually gives a speech to
a Veterans group and lays a wreath in honor of those who died on Pearl Harbor Day and in World War II.
Dec. 9 – Second Saturday – only two full weeks to go before Christmas. Where did the time go and where did the year go? To your
disguised annoyance, you are starting to hear the ubiquitous phrase, 'Finished all your Christmas shopping yet?' Christmas shopping
has to pick up speed or panic will set in. You are running out of time to enjoy some quality Christmas entertainment with your family.
Dec. 10 – Second Sunday – go to church if you haven't been attending so that you won't look like a 'Christmas only attendee.' Need
to squeeze in some shopping and must start sending out Christmas greeting cards this week.
Dec. 16 – Third Saturday, First Day of Hanukkah – it's unbelievable that there's only one full week to go before Christmas. Make
supermarket shopping list for Christmas Eve and Christmas dinner preparations.
Dec. 17 – Third Sunday – exactly one week before Christmas. Make sure Christmas toys and presents in hiding are still undiscovered.
Make final plans for family dinner on Christmas Day.
Dec. 21 – oh dear me!!! Only three days to go before Christmas. Do last minute planning, get as many chores as possible out of the
way, finish all Christmas and supermarket shopping. Assign final preparatory tasks to family members as necessary. Go over plans for
Christmas Dinner.
Dec. 22 – First Day of Winter – My goodness!! you still have shopping to do!!? You dread going to the mall this weekend. Pray for a
miracle to find one of those needle in a haystack salesperson who will hold hand and get you 95% through your Christmas shopping
list.
Dec. 23 – Last Saturday before Christmas – Now The Single Biggest Shopping Day of the Year!!!! The mall is absolutely crazy and
there are no sales people anywhere. It's a zoo everywhere – on the roads, in the supermarket, even at the gas station people are
honking, hollering at the gas attendant to pump faster! But you know what … stopped at my favorite pastry store and was in and out in
a nanosecond… there was no line!!
Dec. 24 – Christmas Eve – downtown is glorious, everything is so splendid and magical…. will go to Midnight Mass…. Christmas is
the Most Wonderful Time of the Year!!!!

Christmas celebrations in African nations is characterized by
much outdoor activity because the season often occurs during a time
when the weather is pleasant. Using palm trees and participating in
processions are also characteristic features of activities related to
Christmas in many parts of Africa.
In South Africa, activities that occur outside during Christmas
include the usual caroling, but also the unusual ones of swimming and
camping. The beach and mountains play an important role during
Christmas in South Africa because the season occurs during the hottest
time of the year - summer.
Given the pleasant nature of the weather during Christmas,
families also take advantage of it by often going sightseeing in the
countryside on a relaxing drive in the late evening of Christmas Day. A
rich and sumptuous menu that includes a suckling pig or roast beef,
turkey, mince pies, yellow rice, vegetables and puddings usually makes
up the traditional South African Christmas dinner.
To create a festive environment, decorated pine branches and fir,
sparkling cotton wool and tinsel are used in homes and businesses as
decorations.
A similar decorative pattern of using evergreen, palm trees and
lighted candles are also seen in countries such as Ghana and Liberia.
While these are used in homes and businesses, they are also often
carried in processions and during caroling activities.
While South Africans gather at the beach during Christmas time to
enjoy the warm summer waters, people in other African nations often
gather outside at in town squares and in the streets to march, sing and
enjoy an overall feeling of merriment.
Despite the seemingly general similarity in activities, however,
countries have their own individual style that makes Christmas
celebrations unique.
Of all the celebrations in African nations, Christmas activities
in Ethiopia stand out for their difference in when they are celebrated
and how it is done. One of the features that make Ethiopian Christmas
different is that the main celebratory event occurs on Jan. 7, around
the time known as the Epiphany or Three Kings Day in North and South
America.
Given the general modest economic financial situations of a
significant number of the population in many African countries,
Christmas celebrations also tend to occur over a shorter period of
time, compared to activities in more wealthier countries.
Another difference in celebrations of Christmas in Ethiopia is
the participation of various people who take part in a pilgrimage and
converge on the capital city during Christmas Eve. These wanderers fill
the night air with a din of praying and chanting and create a
multicolor spectacle when they gather on Christmas morning to have a
religious service.
But retaining a similarity with other African nations, Ethiopians
enjoy a Christmas dinner that includes a meat stew. Stews, rice, root
vegetables such as yams, breads and soups often are part of the menu of
traditional Christmas day dinners in African nations.
Christmas dinners are likely enjoyed by families outside, where
everyone shares the meal while sitting in a circular pattern outside
under the shade of a sprawling tree, instead of sitting in a formal
setting at a table.
As is the practice in every household during Christmas, Africans
also exchange gifts. Popular items that are exchanged as Christmas
gifts include cotton cloth, soaps, sweets, pencils and books, all very
practical items that can be readily used. Again, this may be related to
the modest financial resources of up to half the population in many
African countries, as well as to cultural norms. Individuals aren't
able to afford extravagant gifts but they still want to surprise
children, family and friends at Christmas with an unexpected gift. The
generally pervasive cultural norm of humility and modesty that exists
among traditional African peoples, also plays an important role in not
having overreaching extravagance at Christmas.

There is no simple answer to the question of what is included in the rent. This is because the answer will likely vary from one apartment complex to the next. Some apartment complexes may include a variety of items within their rent while others may charge renters additional fees as needed and still others may require the renters to register directly with individual public utilities and handle these expenses on their own.

Likewise some apartment complexes may include additional features with the price of the rent while others may charge additional fees for these features. A pool, exercise room, meeting room or theater are just a few examples which may be offered by an apartment complex. In most cases the use of these amenities are included in the price of the rent but there are exceptions where the renter is charged an additional fee for the privilege of using these amenities.

Consider the Price of Utilities

When considering the price or a rental property, the renter should first determine whether or not utilities are included in the cost of the rent. This is significant because depending on the size of the property and the climate of the area, heating and cooling costs can be rather expensive. In most cases, the renter is responsible for the cost of their own utilities and their apartment is individually monitored for usage and the renter is billed monthly by the utility company. However, in the case of an individual renting an apartment in a private home as opposed to an apartment complex, the homeowner may collect money for utility uses in another way. Depending on the agreement between the homeowner and the renter the monthly rent may be set at a rate which includes a contribution to the utility costs or the renter may be assessed a pre-determined percentage of each utility bill on a monthly basis.

It is important to consider the price of utilities when they are not included in the rent because failure to do so can lead to unpleasant surprises in the future. For example a renter in a particularly cold climate may rent a spacious apartment for a great rate only to find out later that the cost of heating the apartment makes it difficult for the renter to afford to live in the apartment.

Consider Amenities which are “Free”

When renters are selecting an apartment, they should consider the amenities which are “free” as opposed to the amenities for which the renter is charged an additional fee. The word free is used in quotations in the heading of this section to indicate these amenities do not always come without a price. A renter may not pay a usage fee for some amenities but it is very likely the privilege of using these amenities is factored into the monthly rent.

As an example consider two 800 square foot apartments in the same geographical area. Each apartment may have a similar layout and comparable square footage but the monthly rents associated with these two apartments might be quite different. In examining the amenities you might notice the higher prices apartment has access to a pool, an exercise room and a theater all for the use of residents while the lower priced apartment offers no such amenities. In this case the residents of the more expensive apartments are actually paying a higher monthly rent as a result of the amenities offered.

In a case such as the example above, renters should weight their options carefully. If they can afford to pay the more expensive rent, they should carefully consider whether or not they wish to pay a higher fee for use of the amenities. A renter who doesn’t like to swim, belongs to a gym and does not have a great deal of free time to watch movies may decide they would be better off selecting the lower priced apartment without amenities.

Finding a rental apartment is not always easy. Depending on occupancy rates in a particular area, it actually might be quite difficult to find available apartments that are also within your price range and meet all of your pre-determined requirements. However, even in areas where there is not a great deal of competition for the available apartments, renters may still have some difficulty finding the perfect apartment. This article will offer some tips for finding a rental apartment that suits all of your needs.

Figure Out Your Needs

The first step of any apartment search should begin with the potential renter carefully identifying all of their needs in an apartment. This list of needs will be different for every renter. While some renters are simply looking for a place to eat, bathe and sleep other renters may be looking for a living space which will serve a number of purposes including working, entertaining and participating in leisure activities or hobbies. When making this list of needs the renter should consider the options they cannot live without as well as the options they want to have but can live without. It is important to make this distinction because the renter will want to ensure the apartment they choose has all of the features they need and ideally a few features they want. However, an apartment which does not have all the required features may become an uncomfortable living situation very quickly.

Do Your Research

Once a renter has a good idea of the basic features he is looking for in an apartment, he should begin researching his options. Researching apartments can be done on the Internet, through the newspaper or through rental magazines. Renters may use one of these research methods exclusively or may combine a few of the methods to form a customized strategy for researching apartments. The research phase will give the renter an idea of the types of properties available for rent in the area.

Comparison Shop

The next step is the process of comparison shopping. This basically entails visiting several different rental properties and touring these facilities. During the tour the renter will get a good idea of available options as well as the costs associated with these options. This is helpful for two very important reasons. First it gives the renter a good idea of the types of apartments available within their budget. Second it gives the renter the ability to bargain regarding price. Renters who have proof of other apartment complexes offering more favorable rental terms, may be able to entice another complex to lower their prices slightly.

Ask for Recommendations

Renters can also help themselves in their search for an apartment by seeking recommendations from trusted friends and family members. These recommendations can be taken to be much more worthwhile than recommendations offered by the apartment complex from previously satisfied tenants. It is important to note the apartment complex is likely to only offer testimony from tenants who were happy with their rental agreement. For this reason, opinions offered by friends and family members are much more valuable because they do not have a vested interest in the rental property and simply offer their honest opinion. Friends or family members who share your interests and personality traits can be very helpful in offering recommendations for apartments because it is very likely you will be happy with the apartment they recommend.

Consult the Better Business Bureau

Finally, renters should consult the Better Business Bureau (BBB) before making a final decision and choosing an apartment complex. This can be very helpful especially if the renter finds a particular apartment complex has a number of unresolved complaints against them. While a lack of complaints is not necessarily an endorsement, it is a good sign if the complex has been in business for number of years without a slew of unresolved complaints.

Deciding whether to rent an apartment or a house can be a very difficult decision for some renters. There are certain advantages and disadvantages to each option. The renter should carefully consider these points when making his decision. Whether or not an apartment rental or a home rental is ideal for a particular renter will largely depend on his personal preference as well as his current needs in a living situation. For some renting an apartment is perfect while others find a home rental meets their needs best. This article will examine the advantages and disadvantages of each situation to help readers make a more informed decision regarding the type of rental situation which may be beneficial to them.

The Advantages and Disadvantages of Renting a House

There are many advantages to renting a house as opposed to an apartment. One of the primary advantages is this situation affords renters who would normally be unable to afford to purchase a house the opportunity to live in a house for a much more affordable price. Another advantage to renting a house is it may offer the renter many more options. Apartments are usually pretty standard in terms of size, number of bedrooms and number of bathrooms. Renters who have specific needs such as five bathrooms and three bedrooms may have a difficult time finding an apartment with these specifications but may find rental homes which offer these options.

Location is often another advantage associated with renting a house. Apartments are usually situated in more commercial areas while houses available for rent can usually be found in more residential areas. Many renters favor this situation because it makes their rental property feel more secluded. Many house rentals also include a backyard which is desirable for renters with children or pets.

One of the major disadvantages to renting a house, is there may not be a great deal of certainty regarding the amount of time the renter will be allowed to rent the house. While a contract may protect the rights of the renter for a certain period of time, there are no guarantees the homeowner will extend the contract beyond the existing terms. This means as the contract is due to expire; the renter may be given notice that the house would not be available for rent in the future. Conversely, this situation is rare in apartments and most renters are confident there will be the opportunity to renew their lease each time it expires.

The Advantages and Disadvantages of Renting an Apartment

Perhaps one of the most significant advantages of renting an apartment is the amenities which are often available when renting an apartment in an apartment complex as opposed to renting a home or even renting an apartment in a private home. Amenities such as pools, hot tubs, exercise rooms, saunas, meeting rooms and theaters are just a few of the amenities often offered when renting an apartment.

Affordability is another advantage to renting an apartment. Rent for an apartment is usually significantly lower than rent for a house. Although the apartment may be significantly smaller than the house, many renters find they are only able to afford these options.

A lack of privacy may be one of the most significant disadvantages to renting an apartment. Apartments are usually situated fairly closely together and most apartments usually share a common wall with one of their neighbors. Renters may find their neighbors end up knowing a great deal more about them than they had intended simply because the living situation makes it difficult to keep one’s life private.

Having to contend with noisy neighbors is another downfall to renting an apartment. As previously, mentioned apartments often share a common wall with a neighbor. As a result renters may run the risk of having noisy neighbors who listen to loud music or have boisterous friends visiting late at night.

Some potential homeowners who are not able to purchase a home right away consider rent to own options instead. A rent to own option, often referred to as a lease, is essentially a rental contract for the rental of a property which includes the stipulation that the renter will be given the option of purchasing the property at the conclusion of the lease. This type of rental agreement may not be worthwhile for all renters but there are some who will find this type of agreement to suit their needs quite well. In particular renters with bad credit who might be unable to buy a home otherwise and renters who aren’t quite sure they really want to buy a home. It can also be a worthwhile agreement for homeowners who are planning to sell their home buy may not want to sell it immediately.

When Your Credit is Bad

Potential homeowners with bad credit may find a rent to own situation may be just what they are looking for to help them purchase their dream home. There are a variety of financing options currently available and it is likely even homeowners with poor credit can find a financing option but it is not likely this option will be favorable. Homeowners with poor credit are often shackled with unfavorable loan terms such as higher interest rates, requirements to pay points and adjustable rate mortgages instead of fixed rate mortgages. In these situations, it might be worthwhile for the renter to repair his credit before attempting to purchase a home.

One of the best ways to repair credit is to maintain good credit in the present and into the future. Most blemishes on credit reports are erased after a certain period of time. Renters who have poor credit can work on repaying their current debts in a timely fashion and with time their credit score will improve. During this time participating in a rent to own program allows the renter additional time to repair his credit and may also allow the renter to accumulate financial resources which will enable him to purchase the home when the lease period is over.

When You Just Aren’t Ready to Buy a Home

Some renters opt for a rent to own program when they aren’t quite sure they really want to own a home. In these types of agreements, renters are given the option of purchasing the home at the end of the agreement period but they are not obligated to purchase this home. This allows the renter to see what it is like to own a home without having to commit to homeownership.

Renters who are renting a home may learn a great deal about homeownership during the rental period. This may include information about maintaining the landscaping of the property and dealing with conflicts with neighbors. It may also entail caring for and maintaining a significantly larger domicile than most apartment renters have to maintain. Some renters are not quite sure they are ready to handle all of these issues and may use a rent to own agreement as a trial period to determine whether or not homeownership suits them.

When the Homeowner Just Isn’t Ready to Sell

Some homeowners offer a rent to own option when they plan to sell their home but do not want to do so immediately. Some homeowners may be hoping for property values to rise before they sell their home so they can either regain the amount they have invested in the house or profit from the purchase price of the home. These homeowners might choose to rent out their home during this time and offer the renter the option of purchasing the house after a set time period. This enables the seller to earn an income from rent while they are no longer living in the home. The rent they charge to the renter is often enough to cover the mortgage and yield a profit making it a financially wise decision for the seller.

Sharing a rental property, whether it is an apartment or a house, can be either a dream come true or a living nightmare. There are many advantages to having a roommate; however, there are also disadvantages. When these disadvantages are severe they can result in an uncomfortable living environment in some situations and even a dangerous living environment in other situations. There are a couple of ways a renter can protect themselves when sharing their rental property with a roommate. This includes screening the potential roommate carefully and including the roommate on the rental agreement.

The Advantages and Disadvantages to Having a Roommate

Having a roommate can certainly be advantageous in some situations. The primary advantage is financial. Renters who opt to have a roommate, essentially cut their rent in half if they opt to have one roommate or in thirds if they opt to have two roommates. This is ideal for renters who would like to have a larger apartment but would not be able to afford such an apartment without the assistance of a roommate.

Another advantage to having a roommate is the opportunity to share household responsibilities with the roommate. Of course this is only an advantage when the roommate is willing to do his share of the work on a regular basis. If this is not the case, it may result in a huge disadvantage which will be covered briefly in the section on disadvantages.

One of the most significant disadvantages to having a roommate is a lack of privacy. Those who live alone do not ever have to worry about not having time to themselves while they are in their apartment. However, when a renter has a roommate, there is no guarantee the renter will ever have any time to himself while he is in the apartment.

Another disadvantage to having a roommate is the distribution of household responsibilities may not always be even. Roommates should have a discussion regarding the household responsibilities such as cleaning the common areas but there is always the possibility that one roommate may not do his share of the work. When this happens it can create conflict and resentment among the roommates. This conflict can make the living situation quite uncomfortable.

Select a Compatible Roommate

When selecting a roommate, the renter should be careful to select a compatible roommate. In the previous section we discussed how conflicts can arise when one roommate does not do his share of the cleaning. However, incompatible cleaning styles are only a small portion of the compatibility issues roommates may face. One important issue is entertaining. If one roommate has visitors at the apartment often, it can cause problems if the other roommate is not comfortable with this.

Even the times in which the roommates normally sleep can cause problems. If one roommate goes to bed early and wakes up at 4:00 am, it can be problematic if the other roommate likes to stay up late and not wake up until 9:00 am. In this case the roommates may not only begin to get on each other’s nerves but they may also begin to adversely affect the other’s job or social life.

Include the Roommate on the Rental Agreement

Finally, renters should be sure to include their roommate or roommates on the rental agreement. This is very important because it helps to protect all of the roommates. Inclusion of all of the roommates prevents one roommate from being able to ask another to leave unjustly. This may occur when conflicts arise but inclusion on the rental agreement ensures each of the roommates has a right to live on the property. Placing each of the roommates’ names on the rental agreement also prevents one roommate from not making their rent payments in a timely manner. It will also help to prevent one roommate from being held legally responsible for not paying the rent on time by the leasing agent.

For many renters the possibility of using a rental situation to save money is a foreign idea. These renters often bemoan the fact that they have to rent a property rather than purchase a property because they feel as though not owning the property is basically throwing money away each month. However, this is not entirely true. While there are certainly benefits to homeownership and building equity homeowners can also benefit financially by renting an apartment rather than purchasing a home.

While it is certainly true that money spent each month on rent does not get the renter any closer to homeownership while each monthly mortgage payment makes the homeowner one step closer to owning the property completely. However, this is not the whole story. Renters should also consider the amount of money they will be able to save annually for the purpose of purchasing a home by living in a rental property right now.

A Smaller Apartment Can Lead to a Bigger House

Some would be homeowners find renting a small apartment can allow them to start saving for the purpose of purchasing a house in the future. Renters who are willing to sacrifice comfort now and stay in the smallest apartment possible will likely be able to save the most money towards purchasing a home.

In general the monthly rent for an apartment is based on a value per square foot. This value may vary slightly from one property to the next but is likely to be very similar in properties in the same general area. This means apartments which are smaller in terms of square footage are likely to be less expensive overall. Therefore renters who would normally feel more comfortable and able to spread out might opt for a smaller apartment just so they can begin saving more money for their home purchase.

Budget Wisely to Save Money

Renters who want to save money for the purchase of a home while renting an apartment should understand their monthly rent is not the only factor which may prevent them from saving money while they rent. For example entertainment costs should carefully be considered when a renter is trying to save money. Most rental properties have a fully equipped kitchen making it ideal for the renter to prepare meals at home as opposed to going out to eat. Renters who cut down on eating dinner out may find they are able to save quite a bit of money each year.

Likewise renters who are spending an excess amount of money on superfluous items may have difficulty saving for a house while renting an apartment. Examining all current monthly expenditures can help the renter to determine where there is the potential for financial savings. Making changes such as debt consolidation may be one way to decrease monthly bills but this is certainly not the only solution. Renters can make other changes such as canceling subscriptions to premium movie channels, minimizing cell phone plans to include only the amount of minutes used each month and making changes to insurance plans to result in an overall savings. Changes to insurance plans may include having your car and renter’s insurance covered by the same carrier. Many carriers offer discounted services to renters who are willing to bundle their services. All of these slight changes can help to enable a renter to save money for a home purchase in the future.

Renters who have a dog or more than one dog may face additional challenges when renting an apartment or a house. One of the primary challenges the renters may face is finding a living situation which is acceptable to them and also willing to accept their pets. This can be difficult as many rental properties do not allow dogs at all. Those who do allow animals on the property may place certain restrictions on they size and breed of dog which may reside on the property.

Finding an Acceptable Living Situation

The first step in renting with dogs is to find an acceptable living situation. For those who wish to rent with dogs, the first question to be asked should be whether or not dogs are allowed to live on the property. This is important because it can save the renter a great deal of time. The renter may otherwise invest a great deal of time learning more about the property or even undergoing a credit check only to find out pet are not permitted.

For some dog owners, finding a rental situation which allows dogs is not the end of the search. The renter should also confirm the type of dog he owns will be allowed to live on the property. This may include both the size of the dog as well as the breed as some apartment complexes place limitations on the size of the dog and also prohibit certain breeds. Again confirming these facts early in the search for an apartment can be a tremendous time savings especially for those who own large or commonly banned breeds.

Renters should also consider the surrounding area when selecting a rental property. An ideal location would be one in which there is an adequate location to walk and exercise the dogs. Areas with large grassy areas may be ideal while areas which do not have a location to walk a dog may be problematic.

Read Contracts Carefully

Renters who have dogs should read their contract carefully before making a decision to rent a particular property. This is important because many landlords may impose restrictions on renters who own dogs. These restrictions may include, but are not limited to, requiring an additional security deposit for the renter, requiring specific cleaning methods on the carpets after the renter vacates the apartment and holding the renter responsible if the dog engages in nuisance barking. Nuisance barking can be a problem in apartment situations where the apartments are located close together and even share a common wall. Renters should be aware that in some situations, nuisance barking can be a cause for eviction. For these reasons, renters who own dogs should take the time to familiarize themselves with the rental contract.

Take Care of Your Rental Property

Finally, renters who have dogs may have to take additional efforts to maintain their apartment. This may include more diligent cleaning, especially of the carpets. Renters with dogs should respond quickly to accidents in the house to minimize the possibility of permanent staining and odors. Each accident should be addressed immediately and every effort should be made to clean the affected area completely.

Renters with dogs should also vacuum regularly especially if their dog is a heavy shedder. This will help to keep the living environment cleaner and will also minimize the amount of cleaning required when the renter vacates the property. Regularly vacuuming will prevent hair from being embedded into the carpet so deeply that it is difficult to remove.

Finally, renters with dogs should take care to pick up after their dogs while on walks and to keep their dogs leashed while in common areas. Many cities have leash laws and laws regarding picking up after dogs. Even if these laws are not in effect, renters should follow these policies as a courtesy to their neighbors. Additionally, keeping dogs on leashes during walks helps to ensure their safety by preventing them from running into the street.

Some vacationers find a rental swap to be an ideal situation when they are traveling. Homeowners, especially in desired locations, may find there is a great deal of interest from others who would like to rent their home for a short period of time. Typically this is about one to three weeks although it may be longer or shorter in some cases. A rental swap is essentially where a homeowner in one location offers the use of their home to another homeowner in exchange for use of the other homeowners home. Ideally these swaps will take place concurrently but in some situations swaps are organized at different times of the year.

A Rental Swap Saves You Money

For many a rental swap is worth considering because it can result in a tremendous financial savings. Lodging often accounts for a large portion of a vacationers travel expenses. By eliminating these costs the vacationer may find they are able to add additional aspects to their vacation. For example, by eliminating lodging costs, a vacationer may have money left over in the travel budget to see a few plays, eat dinner at extravagant restaurants or purchase tickets to sporting events.

A rental swap, however, does not always automatically translate to a financial savings. Consider the cost of staying in a hotel within walking distance to major attractions as opposed to participating in a rental swap 10-20 miles away from most major attractions. In the case of the rental swap, the vacationer will most likely have to rent a car during their stay but might not have to do so when staying in a hotel. The need for a car, whether or not the kitchen in a rental swap will be utilized to cook meals and other factors should be considered in determining whether a rental swap or hotel stay is more financially logical.

A Rental Swap is More Comfortable than a Hotel

In most cases a rental swap usually results in a more comfortable stay than a visit to a hotel. Of course there will always be situations in which the quality and even the size of the hotel may be superior to the conditions of the rental shop but for the most part, vacationers usually feel more comfortable in a rental swap situation. Staying in a home typically provides the vacationer with more privacy as well as the ability to spread out a little more. This can be very beneficial for keeping the peace especially for large families who may quickly feel overcrowded in a hotel situation.

There are Risks to a Rental Swap

While a rental swap may certainly seem appealing, there are some inherent risks to this type of lodging situation. First of all the possibility of the rental property not being exactly as described is a very real risk. Homeowners may exaggerate the appeal of their property either intentionally or unintentionally. Regardless of the intent of the homeowner, the vacationer may still find themselves in a situation where they are disappointed with the accommodations. This may be because the house is not as large or well appointed as described or because the house is older and less well maintained than depicted.

Another risk to a rental shop is the possibility of the other homeowner not noting the correct dates. Although this is also a possibility with a hotel, it can be more troubling when the vacationer was counting on the rental swap for their accommodations during the stay. While a hotel might make every effort to accommodate the hotel guests when there is a mistake, homeowners in a rental swap may not have the available resources to find an alternate place for the vacationers to stay.

One final risk which exists in a rental swap, is potential damage to your own property when you allow others to use the property. Homeowners can work to minimize the trouble in these situations by screening those who they are considering for a rental swap carefully. Additionally, homeowners can take security measures by alerting the police as well as neighbors that a stranger will be staying in the home. This will help everyone to be more vigilant and aware of the potential for problems.