Tag Archive: job

10 Tips for Washing Your Car at Your Apartment Community

Don’t let random passersby deface your ride with “Wash Me” scrawled in windshield dirt. Instead, avoid the old “drive of shame” and give it a good old-fashioned scrub down with an apartment car wash.

Even if your apartment doesn’t have a car wash station on its list of amenities, that doesn’t mean you can’t still DIY this wet and wild chore. It just takes a few supplies and a little bit of strategy to get the job done.

A dirty car with someone writing

How do I wash my car if I live in an apartment?

Sure, you could drive somewhere for a car wash, but where’s the fun in that? Hand-washing a car is a great workout and an even better way to cool down in the summer months. Just follow these easy tips for an apartment car wash and you’ll soon have the ultimate clean car. Bonus points if you detail the inside, too!

1. Use a spigot and hose

The water’s going to have to come from somewhere, right? Even if you know where the spigot is already, it’s probably smart to check with management to make sure you can use it. Who knows? Maybe they’ll even spot you a hose for the job! If not, pick up an expandable hose at the local hardware store. Those are easier to store than the old-school variety.

2. Go waterless

A waterless car wash product is a solid option for cars that aren’t filthy to start off with. So, if you’ve just gone muddin’, skip ahead. These products are not for you. Waterless car wash is available in concentrated form (so you have to dilute it), or ready-to-use. Some even have built-in wax! To use, simply spray the product on and wipe it off with a soft towel. When the towel section gets dirty, use a different part.

3. Use a no-rinse product

Split the difference between waterless and a full wash by using a no-rinse product, like Optimum No Rinse. This three-in-one product functions as a rinseless wash, as well as a detailer and a lubricant. Just add the recommended amount to one or two gallons of water, then apply with a wash mitt or microfiber towel.

Car wheels being washed.

4. Be wheel wise

The wheels are not the same as the rest of the vehicle, so don’t treat them like they are. Clean them first because they’re the dirtiest parts of the car.

Spray with a good hose to dislodge dirt from crevices. Use a tire-specific cleaner and a towel/mitt to scrub it down. Don’t use that towel on the rest of the car because it’s likely pretty gross.

5. Go with waterless wipes

The waterless car wash product community is booming. There are waterless wipes already primed with cleaners available for purchase. Pick up a pack each for general washing, tire and trim and wax, if you want to go full-out.

Man washing his car.

6. Pick up a pump sprayer

Here’s another idea on the waterless front. If you want to avoid the hassle of a spigot and hose (or don’t have access to one), purchase a small pump sprayer. Such a device helps evenly apply a coat of waterless cleaner. Then, you just clean as normal with a mitt or microfiber towel. It can also rinse the car off with plain water (fill it up inside first), but the water pressure isn’t as good as the average hose.

7. Use a duster

If you can’t do a full wash apartment car wash at your complex or just don’t have time, use a California Duster to quickly get rid of dirt and dust and bring back the shine. This tool will buy you more time between washes, and is usable during full washes, as well.

8. Wipe aways bugs with dryer sheets

Sometimes dried up, dead bugs just don’t want to come off. Without the power of a professional car wash it is extra challenging. Before you start washing, use old dryer sheets to wipe bugs off. Then wash as normal.

Toothpaste on car.

9. Apply toothpaste (no, seriously!)

No need to buy a pricey product to put the finishing touches on your headlights. Squirt some toothpaste on a rag and polish up those headlights until they shine.

10. Create your own all-natural cleaner

For the final, streak-free rinse, opt for a green cleaner. Wash the car as normal. Then rinse the soap residue with a hose. Mix three parts vinegar to one part water in a spray bottle and spray the car. Then wipe down with a newspaper for a shiny, squeaky clean finish.

Hand washing a car.

General apartment car wash tips

Specific techniques aside, there are some general things to consider when doing an apartment car wash. Minding these suggestions make the whole process easier, not to mention more effective and enjoyable.

  • Do a quick once over: Before setting up for the apartment car wash, make sure your car isn’t leaking any fluids or oils. That won’t go over well with management.
  • Steer clear of storm drains. It’s bad for the environment, local wildlife and drinking water if soap from the car wash gets into the storm drain. Do your best to find a spot far away from storm drains to prevent any issues, or use an eco-friendly cleaner that is non-toxic and doesn’t have chlorine, fragrance, phosphates or petroleum-based ingredients.
  • Seek out the shade: It seems counterintuitive, but the sun causes streaks. So for the best finish possible, find a spot in the shade to do your apartment car wash.
  • Get your towels: Grab a few towels or wash mitts to get the job done. Make sure to have one each (at least) for the tires, body wash and for drying.
  • Conserve water: Don’t just leave the hose on indiscriminately. Doing so wastes about 10 gallons per minute! While you’re doing the wash — turn it off whenever you’re not rinsing or filling the bucket. Make it easier on yourself by attaching a nozzle that will automatically shut off the water when not in use.
  • Clean up after the clean-up: Other than waiting for water to dry, no one at your apartment should see any residue from your apartment car wash. Resist the easier, but less responsible urge to dump dirty water in the street. Instead, carry the bucket inside and dispose of it in a sink or toilet.

Other than these tips, use your common sense. If all goes well the first-time management is more likely to let you keep doing car washes from the comfort of your apartment parking lot.

Lather, rinse, repeat

Each and every time you wash your car by hand you’ll come up with ways to make an apartment car wash more efficient and easier. Eventually, you’ll be a well-oiled machine for…well, your well-oiled machine.

The post 10 Tips for Washing Your Car at Your Apartment Community appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

How To Write an Appeal Letter If You’ve Been Denied an Apartment

You’ve been touring various apartments, and you find the perfect one. It fits your budget, the natural light is beautiful and it comes with great amenities. And then a curveball — your rental application gets denied. You’re not alone. Nine out of 10 people have their rental applications rejected. What now? You write an appeal letter. Here’s how to write an appeal letter to your potential landlord:

Well, thanks to the Fair Housing Act, landlords cannot reject applications based on an applicant’s race, sex, gender, national origin, color, disability or familial status.

Beyond that, there are many possible valid reasons for a rental application denial — including income, credit score, bad references, rental history and background check. This is why it’s essential to look at the property’s requirements closely.

If you feel like the landlord made a mistake with your rental application, here’s how to write an appeal letter to ask them to reconsider.

Writing a letter.

What is an appeal letter?

The appeal letter expands on an issue found by the landlord that led to the denial. For example, no previous formal rental history or maybe you have more income than you showed. If you feel like you have additional information or clarification that may change their mind and approve your application, you might want to try writing an appeal letter.

When to write an appeal letter?

The most optimal time to send an appeal letter is within a week from receiving the denial letter from the landlord.

First, make sure the unit is still available before sending it, if possible. Then put together all evidence as soon as possible and send it certified via mail to confirm receipt. Emails can get lost in inboxes or ignores. Check-in 48 hours after receipt via email if you haven’t received a response.

What to include in your apartment appeal letter?

Now that you’ve decided to appeal the landlord’s decision, it’s time to build your case.

Scan your denial letter carefully

Every denial letter must tell you the specific reasons why your application was denied. After reading it carefully, identify the details that you’d like to provide more clarification on for the appeal letter. If the letter is vague, ask for a new letter with more specific information about your denial. It will help you provide a better appeal letter.

Think of what reason you want to address and how

If you had an incomplete application with not enough references, provide those in the appeal letter. Or if you didn’t have a formal rental history, explain that it’s your first apartment or provide references from old informal landlords.

If your income doesn’t meet the requirement in the background check provided, share that you have more than one job and bank statements to corroborate your actual income. Or maybe the credit check showed the wrong score.

Writing.

Address the appeal letter

Add your name, current return address at the top with your rental application date. Follow below with today’s date and the landlord’s name with property address below that.

First paragraph: Ask for reconsideration

This paragraph should focus on quickly explaining the reason for this appeal letter. Start by thanking the property manager for their time and share that you’d like for them to reconsider your application for this specific property.

Second paragraph: State your case

This is where you make your case. First, clearly state the reason for the appeal of the property’s decision and restate their reason for denying your rental application. Then add additional evidence or clarify why the property manager should reconsider. If your credit score was wrong, attach a new credit report from a bureau and explain why the error happened, for example.

Take your time to flesh out your reasoning before putting it on paper. Stay concise in this section but effective at making your case.

Third paragraph: Offer possible concessions

Here’s where you will quickly summarize your letter by restating your reason for the appeal and offer any additional concessions, like a larger security deposit or a shorter lease, for example. Mention the other documentation you’re attaching, if any.

Conclusion: Don’t forget to sign

Write ‘Sincerely’ and sign your name. Below that, print your name with your contact information for easy access.

Use persuasive language

Keep the letter concise and explain just the facts. Avoid any negative language or complaining throughout the letter. The letter must remain clear and impartial to highlight your points more effectively. You’re negotiating with the landlord via the letter so think about what you can offer to make you trust you over someone else.

Avoid being overly emotional or desperate. Just make sure you don’t concede too much that you put yourself at risk as a tenant.

Man reading.

How do you write an appeal letter for reconsideration?

Use this template below to write your appeal letter. You can also download a word document of this sample letter and make changes where necessary.

(Your name)

(Current address)

(Date)

(Name of landlord)

(Address of property)

(Landlord’s last name),

Thank you for taking the time to review my rental application at (property address with unit number) and now, my appeal letter. I understand that my application was not approved due to (reason for denial), but I wanted to share additional information for your consideration.

(Paragraph explaining your denial and what you’ve done to fix the problem.)

(Paragraph explaining what concessions you might be able to offer. Reference any attached documents here.)

Please feel free to contact me to discuss my rental application further. Thank you again for taking the time to review my rental application again for (property address with unit number).

Sincerely,

(Signature)

(Phone number)

(E-mail address)

Avoid getting your application denied for next time

Getting your hopes up about an apartment and then getting your rental application denied can truly crush you.

Most of the time, a rental application doesn’t have room for nuance, and that’s where the appeal letter can help with more details. Make sure to double-check your application before submitting it, too. If the apartment complex has other units available, it’s worth appealing their decision with more facts and seeing if you can nab an approval.

The post How To Write an Appeal Letter If You’ve Been Denied an Apartment appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Natural Remedies for Roaches: 8 Prevention Methods to Try

The survival skills cockroaches have are amazing. They can continue living, for a short time, without their heads. They can hold their breath underwater for 40 minutes. They can run up to three miles in a single hour.

This is all great for roaches (and pretty interesting too) — until the ugly bugs infest your apartment. Once they’ve made their way into your home, all you want to do is get rid of them. But, before you make an appointment with an exterminator, consider an organic, DIY approach. Use one of the many natural remedies for roaches to keep them away.

Cockroach

Cockroach

How to get rid of cockroaches

Once you’ve established you’ve got unwanted visitors, whether you’ve seen roaches or just their nasty trails, it’s time to consider how you want to get rid of them. You can use chemicals to do the job, but if you have pets or young children or you’re sensitive to certain products, going natural might be a better option.

When it’s time to get rid of unwanted insect visitors, look to your pantry first, you might already have some of these natural remedies for roaches ready to go.

1. Sugar

This is an example of using something sweet to lure cockroaches to their demise. You just have to add a little something extra. Mix one part powdered sugar with three parts boric acid. The sugar brings the bugs in — the boric acid takes them out.

Boric acid isn’t toxic to people or pets, but it can irritate skin. When putting this mixture down, avoid counters and stick to the hidden spots roaches can use for hiding places. Good spots are behind appliances, under the sink and in any cracks along the edges of cabinets.

If either ingredient isn’t readily available, this is a versatile recipe, so you can swap out ingredients to achieve the same effect. Instead of powdered sugar, you can use peanut butter or jelly. You can also replace the boric acid with food-grade diatomaceous earth.

soapy water, one of the natural remedies for roaches

soapy water, one of the natural remedies for roaches

2. Soapy water

If you spot a cockroach and want to kill it without having to get close enough to step on it, keep a spray bottle of soapy water handy. Use diluted dish soap so that whatever surface it gets on also gets clean (an added bonus).

Spraying this mixture directly onto a roach makes it impossible for the bug to breathe. It clogs up their skin, which is how they take in air. It may take an extra little bit to do the trick, and you still have to dispose of the roach but hey — it won’t head back to hang with its buddies.

3. Coffee grounds

This easy-to-find food staple helps make a perfect cockroach trap. They serve as bait to bring the roaches in and are non-toxic for every other member of your home. To make a trap, all you need is a glass jar, coffee grounds and water.

To build your trap:

  • Fill a large glass jar about halfway with water.
  • Add 1-2 tablespoons of moistened coffee grounds.
  • Place the jars as close to potential nesting spots as possible.

The roaches will come in to check out the coffee, climb into the jar and get stuck and eventually drown. Then, dump the entire contents of the trap into the toilet for a goodbye flush.

Lemon, one of the natural remedies for roaches

Lemon, one of the natural remedies for roaches

4. Lemon

While lemon won’t work on its own to keep roaches away, using lemon-scented cleaners around your home can have a big impact on keeping the place cockroach-free.

A clean home is the best way to avoid an infestation, and the scent of a lemon actually works to keep a variety of insects from wanting to live in your place.

For an easy, all-purpose cleaner you can make at home, you only need two ingredients — citrus peels and vinegar. To make:

  • Fill a glass jar with clean, chopped-up lemon peels.
  • Pour white vinegar over the peels to submerge them and seal the jar.
  • Let the mixture sit for about four weeks, shaking it regularly.
  • Strain out the peels and put the liquid into a spray bottle.

This will keep countertops, appliances, floors and glass all clean and smelling great, while also helping you deal with the cockroaches.

Make sure to clean your place regularly, focusing on areas like the kitchen and dining room. Roaches love crumbs and can smell food if packages get left open in your pantry. It’s also a good idea to empty your trash regularly to keep food odors out of your home.

5. Plants

Another big attractor for roaches is moisture. One way to deal with excess moisture in your home is to check your pipes regularly for leaks, but sometimes it’s a matter of high humidity. To deal with this, consider buying a few house plants.

You’ll need a specific type, epiphytes like ferns, orchids and cacti. These are special plants that work as a natural dehumidifier, pulling water from the air to keep themselves hydrated. They’re easy to care for and will help reduce moisture levels in your home.

Place one in every bathroom, on a screened-in porch, or anywhere where the air feels heavy. They won’t repel cockroaches themselves but will help take away a serious temptation for the bugs to come into your home.

onions, one of the natural remedies for roaches

onions, one of the natural remedies for roaches

6. Onions

This is maybe the strangest of the natural remedies for roaches, but it uses ingredients you’re bound to have at home right now. All you need is an onion and baking soda. Again, the food attracts hungry insects, and the baking soda does the dirty work.

To set this up:

  • Dice up about half an onion.
  • Sprinkle baking soda over it.
  • Place on a small paper plate anywhere roaches may hide overnight.

Since roaches prefer the dark, you’ll most likely “feed” more if you wait until evening to put out your trap. It’s also best to do it when there’s minimal risk of running into the nasty guys yourself.

7. Cornstarch

When you need to cover up cracks to keep the roaches away, this remedy is a great choice. Not only will it fill the space to let fewer roaches through, but it will also kill any of them who eat it.

Mix equal parts of cornstarch and Plaster of Paris to make a powder you can sprinkle anywhere. Don’t activate the Plaster of Paris with water beforehand. The roaches do that after they eat the concoction when they drink water. It’s the mixing in their stomach that ultimately kills them.

It’s important to note that Plaster of Paris is a toxic ingredient and dangerous for children and pets. Using this recipe specifically in cracks helps keep it away from everyone but the roaches.

Peppermint oil

Peppermint oil

8. Peppermint

Roaches hate the smell of peppermint. They’ll avoid it like the plague. It can also actually harm them if they come into contact with it. Spraying a mixture with peppermint oil directly onto roaches can mean lights out, but that’s only if you see the invaders around.

You’ll have more success using mint as a repellent, targeting areas near where you think roaches are hiding. To make a mint-infused spray:

  • Mix two parts water with one part white vinegar into a spray bottle.
  • Add about 10 drops of peppermint oil.
  • Shake up and spray.

Chemicals aren’t required to keep the roaches away

The question is never if you’ll see a roach in your apartment, but rather when. They’re out there, and there’s a lot of them, but knowing how to repel them and say good-bye for good means you don’t have to live with them. Us

ing natural remedies for roaches allows you to live insect-free without having to buy harsh chemicals or spend money on an exterminator. Just make sure you’re targeting the right areas. Roaches love to live in places like boiler rooms, basements, crawl spaces, steam tunnels, drains and sewers. Happy hunting!

Comments

comments

Source: apartmentguide.com

9 Ways to Survive With No Dishwasher in Your Apartment

Even if your new rental unit ticked off most of your must-have boxes — great location, lots of light, budget-friendly — you might be disappointed about one thing: There’s no dishwasher in the apartment.

Not to worry! Here are some tips, tricks and shortcuts that take the drudgery out of washing dishes — and you may even end up enjoying the task.

1. Plan meals that use fewer dishes

Instant pot filled with food.

Instead of dirtying piles of cooking utensils, try incorporating some one-pot meals into the rotation. Slow cookers, instant-pots, woks and sheet pans will all minimize the amount of mess.

When baking, measure your dry ingredients first and then reuse the same measuring cups and spoons for wet ingredients.

You can also line your pans with aluminum foil before roasting vegetables or baking lasagna to cut down on washing time afterward.

Also, read a recipe through before you start cooking to see how many dishes you will need. By thinking ahead, you’ll have less to wash when you’re done eating.

2. Clean up as you cook

Washing a dirty pan with soap and water because there's no dishwasher in apartment

As you prepare your meal, get in the habit of tossing food scraps into the compost bin or garbage can. Plan to wash what you use as you’re cooking or place dirty dishes into the sink as you go.

Before you start chopping any ingredients, fill the sink with warm soapy water and soak your dirty dishes so food doesn’t become dry and caked on. Wash your prep tools as your food cooks.

3. Get the right tools for the job

Cleaning tools for dishwashing.

Toss that stinky kitchen dishcloth and pick up a few smart gadgets that will almost make you forget you don’t have a dishwasher in your apartment.

  • A dishwashing brush can handle even the crustiest food remnants, plus it dries completely — no more damp, germ-infested sponges lying around.
  • If you prefer a sponge, get a washable microfiber one that you can toss into the washing machine.
  • Silicone scrubbing gloves protect your hands, plus they provide some scrubbing power.
  • Using a blade brush is a safer way to clean sharp knives.
  • A food scraper or dish squeegee makes dishwashing easier and keeps your sudsy water cleaner.

4. Protect your drain

Sink clogged with water.

The last thing you need when you have no dishwasher in your apartment is a clogged kitchen sink.

Never pour oil or grease down the drain because they can coat the pipes and cause a blockage. Use a sink strainer to catch food particles and empty it regularly while you’re cleaning up.

5. Be efficient by learning how to clean stubborn dishes

Handwashing dishes.

For about $10, you can upgrade your kitchen faucet with a swivel tap aerator, which helps get into the nooks and crannies for more effective dishwashing.

Wash items from least to most dirty: Glasses and silverware first, then plates and bowls. Save the largest, dirtiest things for last. Some dishes, like glassware or anything oily need extra-hot water to get clean, while others do better with cold.

For example, dairy and starch rinse off easily under cold water, which prevents the residue from getting sticky. For scorched pots and pans, head to your laundry room to grab a dryer sheet: Soaking it with the pan in warm soapy water for an hour will remove caked-on grime.

6. Use the right kind and amount of dish soap

Soapy sponge because no dishwasher in apartment

If you don’t like wearing latex gloves to protect your hands, use a natural dish soap that will be gentler on your skin. For very greasy dishes, you might need a more advanced dish cleaner.

Don’t use too much soap, because it can leave a sticky residue on your dishes — one or two tablespoons per load is all you need.

Pouring your soap into a touchless foaming soap dispenser controls how much you use, saving you money.

7. Purchase space-saving drying racks

Dishes drying on a cleaning rack.

Why double the amount of work to hand-dry all your dishes when you can let them air-dry instead?

Since small apartment kitchens usually lack counter space, ditch the bulky dish-drying rack in favor of a more streamlined solution, such as hanging a wire shelf over the sink, or using a roll-up drying rack that stores away when not in use. Or, use a silicone dish-drying mat — it’s better than a fabric one because it prevents mold growth.

8. Treat yourself to a few luxuries

Man listening to music while doing dirty dishes in the kitchen with no dishwasher in apartment

Just because there’s no dishwasher in your apartment doesn’t mean you should dread cooking great meals for yourself or your loved ones. One thing that makes the task easier is creating the right mood for the job.

Pick up some great-smelling dish soap and soft linen kitchen towels, which dry faster than cotton and are naturally anti-microbial. Set up a waterproof Bluetooth speaker or wear wireless headphones so you can listen to your favorite tunes or podcast or light a few aromatherapy candles to make washing dishes more enjoyable.

9. Invest in a countertop dishwasher

Speaking of treating yourself: Sometimes, especially if you have a family to feed three times a day, hand-washing everything is just not realistic. Apartment dwellers have another option: A countertop dishwasher.

These appliances — ranging in size from 16 to 22 inches wide — sit on your counter, hook up to the faucet and wash up to six place settings at once. These dishwashers cost about $400.

Adapt to having no dishwasher in your apartment

While living in an apartment with no dishwasher can seem challenging at first, the transition to a wash-as-you-go lifestyle is easier when you plan ahead, use the right tools and shift your mindset.

The post 9 Ways to Survive With No Dishwasher in Your Apartment appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

22 Emergency Phone Numbers You Should Know (Printable)

It’s always better to be safe than sorry, especially when it comes to the security of yourself and the ones you love. A quick call to animal poison control can save your pet. Having a plumber’s number nearby can help prevent any flooding if you have a pipe leak. Being prepared with emergency phone numbers on hand in an urgent situation can make all the difference.

How to set up emergency phone numbers on your cell

While it’s important to have these numbers next to your home phone, these days many people use their cell phone as the main phone line. Luckily, smartphones allow you to create a medical ID or In Case of Emergency (ICE) contact with your health information and emergency contact of choice.

Set up emergency contact on an iPhone

The iPhone has a Medical ID option that will inform others of your medical history and emergency contact information.

  1. Go to the health app on your phone
  2. Select Medical ID
  3. Edit so that it provides any medical and emergency contact information
  4. Select the option to show when your screen is locked

person adding emergency contact to phone

Set up emergency contact on an Android

Androids also have a built-in emergency contact information option.

  1. Go to your settings and search “Emergency information”
  2. Select the option to edit and enter your emergency contact information

Set up ICE info on any smartphone

Another way to make your In Case of Emergency number accessible is by making it your lock screen background.

  1. Go to the notes section of your phone
  2. Write down your emergency numbers
  3. Screenshot the note and save it as your screensaver

Label contacts

Lastly, if you don’t have a smartphone that has these capabilities, be sure you are labeling contacts correctly. Create a contact named “ICE” and put in your emergency contact’s info. It’s also helpful to label your contacts with their relation to your. For example, use the contact name, “my husband” or “my wife.” This way, if you are in an emergency situation and someone finds your phone, they will know who they are calling.

22 emergency phone numbers to have handy

The following are 22 emergency phone numbers you should know. Read through and then print out our list to fill with your local numbers and keep next to your home phone.

911 symbol

1. 911

This is a number that most people should know by heart. Dial 911 if you or someone near you is having a life-threatening emergency. If you are using a North American phone, this number will connect you with help. Dialing 911 in a non-emergency situation is illegal.

Some situations when you’d want to call 911 include:

  • Crimes in progress
  • Life-threatening situations
  • Fires (boat, canyon, rubbish, structures)
  • Traffic accidents
  • Hazardous chemical spills
  • Fire/smoke detector or carbon monoxide alarms that are sounding
  • Explosive devices
  • Elevator rescues
  • Fuel spills
  • Smoke in the building
  • Aircraft emergencies
  • Cliff rescues
  • Beach or water-related emergency

112 phone symbol

2. 112

An alternative to 911, 112 is also an emergency telephone number, but it’s primarily used in Europe. If used in the United States, most phone providers will forward you to 911.

symbol that shows police department

3. Local police department

Are you having a non-emergency situation that still requires police intervention? In this case, you’ll want to have your local police department number available. This number will get you in contact with officers that are on duty in your area.

symbol that shows hospital

4. Hospital

In addition to listing the number and address of your primary hospital, you’ll want to take note of a few others in the area. It may be helpful to note their distance from your home. Knowing this information can save time in the event that you need to take a trip to the hospital.

graphic for a doctor

5. Family doctor

Not all medical issues require calling 911 or visiting the hospital. In the event that you need a personal consultation, it will be helpful to have your primary care doctor’s contact information available.

symbol of poison control

6. Poison control

There are different poison control numbers based on your region. Be sure to have your local poison control number available in the case of an emergency. To reach the American Association of Poison Control Centers, call their helpline at 1-800-222-1222. To add poison control as a contact in your phone, text POISON to 7979797.

symbol of animal poison control

7. Animal poison control

Pets are prone to getting into food and objects that are not meant for them to consume. If you think your furry family member may have ingested a potentially poisonous substance, you can contact the ASPCA Animal Poison Control Center at (888) 426-4435.

symbol for veterinarian

8. Veterinarian

Add your regular vet to your list of emergency phone numbers to keep close by. Your veterinarian office will typically provide you with an emergency number if your pet is in trouble after its regular office hours.

symbol for local fire department

9. Local fire department

If you are having a fire, you should call 911 and they will inform the local fire station. For more general fire safety information such as involvement in your local CERT program or burn day schedules, it can be helpful to have your local fire department’s number.

symbol for water

10. Water company

When a water line has malfunctioned or a natural disaster has compromised the cleanliness of your water, the local water company can help.

symbol for electricity

11. Power company

If you are left in the dark, you’ll want to be able to contact the power company. In addition, it’s important to have this number available to report any downed power lines you come across.

symbol for animal control

12. Animal control

For any animal-related emergencies, you’ll want to have the local animal control number. Situations may include an injured or sick animal, animal cruelty or aggressive animal.

symbol for next-door neighbors

13. Next-door neighbors

Knowing your neighbors can be helpful in times of emergency. Meet your neighbors and exchange numbers so that you can contact them if needed. Add the numbers to your phone as well as writing them down near your landline.

symbol for tow truck

14. Tow truck

Being prepared for anything includes having a tow truck or your local body shop’s number accessible. If you have roadside assistance such as AAA, this number would be worth writing down as well. Whether your car won’t start in the morning or you get in an accident, these numbers will be of help.

symbol for insurance

15. Insurance agent

An insurance agent refers to any person you may need to get in contact with to file a claim in the event of an accident. This could include agents for home insurance, renters insurance or car insurance.

symbol for boss

16. Boss

In the event of an emergency, you may not make it into work. If this is the case, you’ll want your boss to know the circumstances so that your job isn’t in jeopardy.

symbol for coworkers

17. Co-workers

Similar to your boss, it could be helpful to have the numbers of co-workers. If you do have an emergency or need to take a sick day, you can let them know about any outstanding work that needs to be completed.

grpahic of a grad cap

18. School or daycare

Another important contact number to have available is your children’s school or daycare. In an emergency situation, something may prevent you from picking them up on time. In this case, you’ll want to call and tell them you’ll be late or someone else will be coming to pick them up.

symbol for locksmith

19. Locksmith

Whether you’ve been locked out of the house or need to switch out the locks after a burglary, this time-sensitive issue will usually require a locksmith. Find a reliable locksmith in your area and write down their number so you don’t need to do the research in a rush later on.

symbol for coast guard

20. Coast Guard

If you are on the shoreline of a major lake or river it can be helpful to have the Coast Guard phone number available.

symbol for local EMS

21. Local EMS

In some areas, the local emergency medical services (EMS) or ambulance are separate from the fire department and police department. Find out if this is the case in your town and if so, take note of a number where you can reach them.

symbol for wildlife

22. State Division of Wildlife

If you live in a rural location, your State Division of Wildlife number could be helpful to know. This department can help you report any predators on your property such as bears or coyotes.

Emergency contact number printable

Print this list out and keep it visible by your home phone in case of an emergency. Having an extra in your car can also be useful. If you’re visiting somewhere new on vacation, looking up these numbers may be important.

photo of an emergency contact list

button to download emergency number contact list

Keep yourself and your home safe by having these emergency phone numbers easily accessible. No matter the situation, you’ll be prepared to call for help.

Sources:

WUSA9 | HuffPost

The post 22 Emergency Phone Numbers You Should Know (Printable) appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

5 Ways to Clean Your Stove Grates

Gas stoves are often preferred by culinary enthusiasts, but those grates can get nasty quickly. Over the years, really smart people have figured out easy hacks for cleaning stove grates and stovetops.

Here, we break down some steps and basic materials on how to clean a stovetop to perfection. Just so you can mess it up all over again.

Clean stove grates the easy way

First and foremost, always wait until grates are totally cooled before removing them from the cooktop. There’s no sense in ending up in the ER with major burns.

Clean kitchen.

1. Cleaning stove grates with dish soap

This is probably the easiest and most basic method for cleaning stove grates.

Materials: dish soap, water and a soft cloth.

  1. Fill up the sink with hot, soapy water.
  2. Soak the grates for at least 20 minutes (do not do this for un-coated cast iron grates, see another method).
  3. For really gross grates, make a paste using one part water, three parts baking soda. Allow it to sit for 20 minutes.
  4. Using a soft cloth, wipe down the burners (rinse first if you used baking soda paste)
  5. Dry thoroughly, then replace on the cooktop.

Although this method does require some elbow grease, it’s still a fairly low-key way to clean stove grates until they reach sparkling status.

2. Cleaning stove grates with ammonia

If you’re not a fan of strong chemicals like ammonia, keep on reading. If you hate scrubbing, however, this could be just the grate cleaning method for you!

Before you begin, here are some safety items to note. Never let ammonia get in your eyes. Wear gloves to protect your skin. Never ever mix it with bleach or anything that contains bleach. Doing so turns toxic quick!

Materials: ammonia, Ziploc bags large enough to fit your grates, rubber gloves. If you have large grates substitute kitchen trash bags in place of Ziplocs.

  1. Place one dirty grate per bag.
  2. Add one-quarter to one-half of a cup of ammonia to the bag.
  3. Seal the Ziploc bag. Tie the kitchen bag closed. Make sure there’s some air left in the bag because it’s the air that circulates the ammonia and helps it work its magic.
  4. Keep the grates in the bags overnight.
  5. In the morning, open some windows or otherwise make sure you have plenty of ventilation.
  6. Open bags and dump liquid contents into the sink.
  7. Rinse grates under warm, running water.

Now, marvel over how clean they are!

Again, take care to avoid any chemical exposure when cleaning the stove grates this way. Safety first!

Vinegar, water and a sponge.

3. Cleaning stove grates with vinegar

It’s much easier to avoid a huge mess if it’s handled a little bit every day. To prevent unsightly pileups use a daily vinegar spray to keep stove grates clean. It’s cheap and non-toxic.

Materials: spray bottle, white vinegar, gloves and a clean cloth

  1. Put on the gloves.
  2. Fill the spray bottle with white vinegar.
  3. Spray the grates.
  4. After about 15 minutes, wipe the grates with the cloth. Repeat if necessary.

Doesn’t get much easier than that!

4. Cleaning stove grates with baking soda

Much like white vinegar, baking soda is widely beloved for its cleaning capabilities. Try using a simple baking soda paste to get those grates back to good.

Materials: 3 Tbsp baking soda, 3 Tbsp cold water, gloves, paper towels or a clean cloth and a soft-bristled scrub brush

  1. Mix water and baking soda in a bowl to form a paste.
  2. Apply the baking soda paste to the grates.
  3. Let sit for about 20 minutes, then scrub with the brush.
  4. Using the cloth or towels, wipe the grates clean.

The bonus thing about baking soda is that it is a really great scrubber but won’t damage any surfaces.

Degreaser spray for cleaning stove grates

5. Cleaning stove grates with degreaser

It’s not necessary to use homemade cleaners on stove grates. Plenty of commercial products are available that do a bang-up job, as well.

Materials: a non-toxic degreaser

  1. Place the stove grates in the sink.
  2. Spray liberally with a non-toxic degreaser.
  3. Let soak for about 15 or 20 minutes.
  4. Rinse the grates with hot water.
  5. Scrub with a nylon brush and tackle any stubborn stains as needed.

Remember to let the grates dry completely before putting them back on the stove.

how to clean stovetop

How to clean the rest of the stovetop

Clearly, a stove is more than just grates. When they get dirty, the rest of the parts tend to, as well. Here are a few steps to getting a fully clean gas stovetop:

  1. Make sure the stove is totally cooled off. Remove the stove grates and set them aside.
  2. Wipe up crumbs or other food particles from the stovetop.
  3. Pull off burner caps and set them aside.
  4. Spray with your cleaning agent of choice. Use a soap/water combo, liquid degreaser or vinegar/water mixture. Let soak in for a few minutes.
  5. Use a soft scouring pad to scrub. Throughout the process, use a clean paper towel to lift out the grime and remove it. Repeat as needed.
  6. If anything refuses to come off, use a nylon scrub brush or toothbrush for a little more oomph.
  7. Wipe off the stove surface with clean paper towels until dry. Then, use glass cleaner to do another once over to bring back the shine and remove degreaser leftovers.
  8. Clean burner caps in warm, soapy water. Once the cooktop is clean, put burner caps and grates back on.

An electric stove top usually needs only some warm, soapy water and a sponge. Use a baking soda paste or commercial cleaner, if necessary, to get rid of stubborn stains.

The cleaner the stove grates, the cleaner the kitchen

Obviously, this process doesn’t need to happen after every single cooking session. But it is a good idea to keep an eye out for stovetop grate buildup to make it a less laborious process.

Spend less time cleaning stove grates and more time eating and enjoying the fruits of your labors!

The post 5 Ways to Clean Your Stove Grates appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

By: Elisaris colon

I lost my job and couldn’t pay my car when i went to return it he say that i have to pay anyway and he said lets do this just keep the car and try to oay 100$ every 2 weeks and i say ok i found a job and was release of it too and they call a friend from my church and left a voicemail saying the days of delinquency and left a comment saying “i don’t know why this christians would do that? ”
Can some one give me end advice

Btw i call and told them my address so they can pick up the van since my new job i work long hours and the dealer close down they just have an office.

Source: credit.com

"How Will You Measure Your Life?" The Question that Changed Me Forever

Reading is one of my superpowers. I make time daily in my work life to consume an article or a chapter of a non-fiction book. I usually learn something—a new fact to absorb or a tactic to try. 

Incredibly rarely, something I read actually changes me. 

When I first read this piece, I was an exhausted, overworked, always-feeling-guilty mom with a long commute and a need for something to change.

Seven years ago, I first stumbled on an article called How Will You Measure Your Life? written by the renowned Harvard Business School professor Clayton Christensen. The piece captivated me, and I credit it with setting me on a new path. Christensen, who has since passed away, offered me a sense of direction and clarity. I find many people around me seek the same thing right now, which is precisely why I'm revisiting a seven-year-old article with you today.

When I first read this piece, I was an exhausted, overworked, always-feeling-guilty mom with a long commute and a need for something to change. Reading it helped me ask and answer some big questions for myself—not by telling me what to think, but rather how to think. Christensen's article applied big wonky management concepts to the everyday business of humanity. And he did it beautifully.

Since I first read "How Will You Measure Your Life," I've made a habit of rereading it once a year. And each year I take something new from it.

Today, in case you’re one of those people sitting with big questions, I’d love to share some of my favorite insights. If you’ve ever wondered how to maintain fulfillment, balance, and integrity in your life and career, then this one’s for you.

How do I achieve fulfillment in my career?

Professor Christensen begins with an introduction to the work of Frederick Herzberg whose research in the mid-twentieth century taught us that money is not our most powerful motivating force.

As Money Girl Laura Adams tells us, money can buy us happiness … but only to a point. To have emotional well-being, we need to have enough money to cover basics like food and shelter comfortably. A widely cited 2010 study set that bar at $75,000 a year. Making more than that, data told us, didn’t equate to more happiness.

Unlock those golden handcuffs and free yourself to find joy in your work.

So if money doesn’t drive happiness, then what does? According to Christensen, it’s the opportunity to learn, to grow in responsibility, to contribute to the development of others, and to be recognized for your hard work and achievements. 

So ask yourself: Are you having these fulfilling experiences in your work today? 

If you could use a bump, are there ways you can infuse more life into your work? Can you take on a project that might help you expand your thinking, network, or knowledge? Can you mentor someone whose success you’d love to enhance? Can you publicly recognize a colleague who did you a small solid?

Or are you ready for a change you now realize you can afford to make?

Maybe you’ve always worked in corporate and dreamed of rolling into the non-profit space. Or you’re being pulled in multiple directions and want to transition to working part-time for a while. Or there’s that side hustle you always wanted to try, or that degree you dream of getting.

Unlock those golden handcuffs and free yourself to find joy in your work. 

For me, this meant finally stepping out of a job that felt heavy and taking that chance on starting my own business. I’ve never looked back.

How do I maintain balance?

This, Christensen explains, is really a question of how your strategy is defined and implemented.

”…A company’s strategy is determined by the types of initiatives that management invests in.”

If a company's strategy is to win by creating high-quality products, but it chooses to maximize its profit margin by using cheap materials to manufacture them, well … I think you can see why the strategy is doomed to fail.

So the question here is what strategy have you defined for your life. And are you making the right investments to support it?

To make the analogy work, Christensen imagines each important part of his life as a line of business—his career, his family, and his community.

He wants each of them to succeed. So he allocates his investments—his time, his focus, his care—in alignment with that strategy.

I realized that my time is my investment portfolio. I wanted to take ownership of it.

“Allocation choices,” he says, “can make you turn out to be very different from what you intended.”

He goes on to observe that “People who are driven to excel have this unconscious propensity to underinvest in their families and overinvest in their careers even though… loving relationships… are the most powerful and enduring source of happiness.”

When I first read this, I knew my sense of balance was off. Yet I somehow felt powerless to change it. But there was something in his framing about the allocation of resources that really hit me. I realized that my time is my investment portfolio. I wanted to take ownership of it.

Did I quit my job and start my business the next day? I assure you I did not. But this reframing was exactly the gift I needed to move from feeling constrained and trapped to feeling encouraged and ready to explore some options. 

Where have you possibly overinvested in work and underinvested in the things or people that bring you joy?

I’m not suggesting you follow my path. I’m inviting you to assess yours. Are you investing according to the outcomes you hope to achieve? Where have you possibly overinvested in work and underinvested in the things or people that bring you joy?

How do I keep integrity at the forefront?

Ever hear of something called the “marginal cost mistake?” I hadn’t. It’s the idea that most people who’ve fallen from grace (think Bernie Madoff) didn’t wake up one day and decide to commit a major crime.

“A voice in our head says ‘Look, I know that as a general rule most people shouldn’t do this. But in this particular extenuating circumstance, just this once it’s OK.’ The marginal cost of doing something wrong ‘just this once’ always seems alluringly low. It suckers you in.”

Personally, I’ve never stood on the precipice of making a criminal choice. But this concept has shown up in my life in different ways.

Think long and hard before you break the golden rule. Otherwise, your 'marginal cost mistake' will stay with you.

In my life today, I stand firmly in the camp of respect and equality for every human being. If someone in my life—a client, a colleague, even a family member—makes an off-color joke or comment, I know it’s easier to ignore it. Just this once. 

But I won’t. And having that clarity makes the choice so simple for me.

Maybe your boss asked you to “borrow” a competitor’s idea you heard about… just this once. Or a friend needs a reference and wonders if you’ll play the role of her former boss… but just for this one potential job.

Think long and hard before you break the golden rule. Otherwise, your "marginal cost mistake" will stay with you. I still remember kids I didn’t stand up for on the playground. I can’t change what’s behind me, but I can be a version of myself going forward that the little girl in me would be proud of.

I wish the same for you.

I hope these ideas have triggered some insight or courage or inspiration. May you be fulfilled, may you be in balance, and may you be the most gleaming version of you.   

Source: quickanddirtytips.com

The Average Salary of a Pilot

The Average Salary of a Pilot

The job of an airline pilot has a certain glamour to it. However, unconventional working hours and plenty of time away from home can be a recipe for stress and burnout. This could be why airline and commercial pilots are compensated fairly well, earning a median annual salary of $115,670. That one number doesn’t tell the whole story, though, as it varies depending on whom you fly for and where you’re based. 

The Average Salary of a Pilot

According to the Bureau of Labor Statistics (BLS), the median salary of the group the BLS calls airline and commercial pilots was $115,670 per year in May 2018. The BLS also tracks the job outlook for the careers it studies, measuring how many jobs the career will add between 2016 and 2026. The BLS job outlook for Airline and Commercial Pilots is 4%, which is about as fast as the average across all careers. According to the BLS, the U.S. will add 4,400 airline and commercial pilots between 2016 and 2026.

Where Pilots Earn the Most

The Average Salary of a Pilot

When it comes to tracking state- and city-level earnings data, the BLS looks at commercial pilots and “airline pilots, copilots and flight engineers” separately. Let’s take a look at where commercial pilots earn the most.

The mean annual wage for commercial pilots is $96,530 per year. According to BLS data, the top-paying state for commercial pilots is Georgia, where commercial pilots earn a mean annual wage of $130,760. Other high-paying states for commercial pilots are Connecticut, New York, Florida and Maryland. The top-paying metro area for commercial pilots is Hilton Head Island-Bluffton-Beaufort, SC, where the annual mean wage for commercial pilots is $128,600. Other high-paying metro areas for commercial pilots are Savannah, GA; Seattle-Tacoma-Bellevue, WA; Bakersfield, CA; Fayetteville-Springdale-Rogers, AR-MO and Spartanburg, SC.

Now let’s take a look at where airline pilots, copilots, and flight engineers earn the most. The top-paying state in this field is Washington, with a mean annual wage of $237,150. Other high-paying states for this profession are Michigan, Nevada, Oregon and California. Of the metro areas for which the BLS has data, the top-paying metro area for airline pilots, copilots and flight engineers is San Francisco-Oakland-Hayward, CA, with a mean annual wage of $247,120. Other high-paying metro areas for this field are Seattle-Tacoma-Bellevue, WA; Las Vegas-Henderson-Paradise, NV; Denver-Aurora-Lakewood, CO; Tampa-St. Petersburg-Clearwater, FL and Chicago-Naperville-Elgin, IL-IN-WI.

Becoming a Pilot

Typically, it’s easier to become a commercial pilot than an airline pilot. Because of this, many airline pilots start their career as commercial pilots. To be a pilot of any kind, you’ll need to have a commercial pilot’s license from the Federal Aviation Administration (FAA).  To be an airline pilot, you’ll need an additional document known as a Airline Transport Pilot (ATP) certificate. This is also issued by the FAA.

In terms of education, you will need a high school diploma and a commercial pilot’s license to become a commercial pilot. To become an airline pilot, you will likely need a bachelor’s degree, although it can be in any subject.

The typical path to becoming a commercial pilot is to complete an FAA-certified flight training program. These are held both at independent flight schools and through colleges and universities. Once you’ve assembled enough flying hours, you can get a job as a commercial pilot.

Regional and major airlines typically require significantly more flight experience for new hires. This is another reason why many people start out as commercial pilots and then move on to working for an airline. According to the BLS, many commercial pilot jobs require a minimum of 500 flying hours, whereas entry-level airline jobs require somewhere around 1,500.

Bottom Line

The Average Salary of a Pilot

Have you ever flown out of an airport and wondered what it would be like to be a pilot? With an average annual salary of $102,520, pilots earn a good living. Not just anyone can become a pilot, however. Commercial pilots must earn a commercial pilot certificate, while airline pilots, copilots and flight engineers must earn the Federal Air Transport certificate and rating for the specific aircraft type they fly. Being a pilot is also a dangerous job, so it’s not surprising that pilots’ compensation is high.

Tips for Saving Responsibly

  • The median pilot salary is enough to live comfortably in most areas of the country, but it’s still important to make sure you’re saving some of that money for emergencies and retirement.
  • A financial advisor can be a big help in managing your money and choosing smart investments that grow your nest egg. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.

Photo credit: Â©iStock.com/xavierarnau, ©iStock.com/Jacob Ammentorp Lund, ©iStock.com/amesy

The post The Average Salary of a Pilot appeared first on SmartAsset Blog.

Source: smartasset.com

How to Start Building Credit Once You Turn 18

Good credit is crucial to unlocking many financial opportunities in life. When you have a great credit score, you can get lower interest rates on car loans, credit cards and mortgages. Some employers and landlords even check credit reports before they make a job offer or approve a resident application. While developing a solid credit history takes time, follow some of these tips on how to establish credit once you turn 18 to get started as soon as possible.

1. Understand the Basics of Credit

Make sure you understand the basics of how credit works. Your credit reports are maintained by three major credit bureaus—Experian, TransUnion and Equifax. It contains data on your current and past debts, payment history, residential history and other facts. This data is supplied by lenders, creditors and businesses where you have accounts.

The information contained in your credit report determines your credit score. Higher credit scores are more attractive to lenders and creditors. The factors that influence your score include:

  • Payment history, which is whether you pay your bills on time
  • Average age of accounts, which is how long you’ve had your accounts open
  • Credit utilization ratio, which is how much of your open credit line you’re currently using
  • Account mix, which demonstrates that you can responsibly manage multiple types of accounts
  • Inquiries, which occur when you apply for new credit

As a new adult, some of these factors may not currently apply to you. However, they can all negatively or positively affect your score, depending on your behavior as a consumer. Educating yourself on credit now helps you avoid costly mistakes in the future.

2. Monitor Your Credit Report and Credit Score

Now that you understand the basics of building credit, you need to start monitoring your report and credit score. Monitoring your credit is one of the best ways to learn what will positively or negatively impact your scores. It also helps you catch inaccuracies or signs of identity theft sooner.

You can check your credit report for free annually with each major credit bureau. As you review your report, look for any negative or inaccurate information that could be screwing up your credit. You can also check your credit score, updated every 14 days, for free at Credit.com.

If you’re really serious about understanding your credit reports and scores, sign up for ExtraCredit. With Track It, you can see 28 of your FICO scores and credit reports from all three credit bureaus.

3. Sign Up for ExtraCredit

ExtraCredit does more than just show you your credit scores. Have you recently started paying rent or utilities? BuildIt will add them as new tradelines with all three credit bureaus. That means you’ll get credit for bills you’re already paying—building your credit profile each month.

Sign Up for ExtraCredit

4. Become an Authorized User

If you have a friend or family member willing to add you as an authorized user on their credit card, you can piggyback off their credit card activity to help establish your credit. Even if you don’t use the card, the account can still land on your credit report and potentially positively impact your score.

This method poses some risks to the primary cardholder and you, the authorized user. If you or the primary cardholder rack up too much debt or miss payments, that activity could end up damaging the credit of both parties.

You should also verify that the credit card company in question reports card activity to the credit file of authorized users. If they don’t, your credit won’t see any benefit.

5. Get a Starter Credit Card

Credit cards are one of the best tools around for building credit, but you might have trouble qualifying for one when you have no credit history. Luckily, there are a few credit card options for young people with little or no credit.

Unsecured Credit Cards: If you don’t have the money to make a security deposit, consider an unsecured credit card such as the Avant Credit Card. This card offers a process that presents you with a credit line based on your creditworthiness before you apply. It also has no penalty or hidden fees—a perfect fit for any young adult’s starter card. You do need at least some fair credit history to be approved, though.

Avant Credit Card

Apply Now

on Avant’s secure website

Card Details
Intro Apr:
N/A


Ongoing Apr:
25.99% (variable)


Balance Transfer:
N/A


Annual Fee:
$39


Credit Needed:
Fair

Snapshot of Card Features
  • No deposit required
  • No penalty APR
  • No hidden fees
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee: The greater of $10 or 3% of the amount of the cash advance
  • Avant branded credit products are issued by WebBank, member FDIC

Card Details +

Secured Credit Cards: A secured credit card requires an upfront security deposit to open. Your deposit will typically equal your initial credit limit. For example, a $500 security deposit would get you a $500 credit limit. These cards are easier to qualify for, and you can use them to make purchases, just like traditional credit cards, while also establishing some credit history.

OpenSky® Secured Visa® Credit Card

Apply Now

on Capital Bank’s secure website

Card Details
Intro Apr:
N/A


Ongoing Apr:
17.39% (variable)


Balance Transfer:
N/A


Annual Fee:
$35


Credit Needed:
Fair-Poor-Bad-No Credit

Snapshot of Card Features
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card

Card Details +

6. Make Payments on Time

Making timely payments is the most important thing you can do to build credit, as payment history makes up 35% of your credit score. This applies to credit cards, loans, utilities such as cell phone services and any other account that requires a monthly payment. No matter the account type, a late or missed payment that lands on your credit report can do significant damage to your credit score.

7. Maintain a Low Credit Card Balance

Your credit utilization ratio, or the amount of available credit you have tied up in debt, is another major contributor to your credit score. Most experts recommend keeping your credit card balances below 30% of the available credit limit. Ideally, you should pay your balance off in full each month to avoid interest and keep your utilization low.

8. Get a Loan

Getting a loan just to build credit is generally not a good idea, as you shouldn’t take on debt only for the sake of your credit score. But if you have a valid reason, such as needing a car or money for college, a small loan in your name can help you build credit.

As with credit cards, loans only build a good credit history if you pay them on time every month. You also want to ensure your creditor reports payments to the credit bureau. If you also have a credit card, getting a loan can help improve your account mix, which makes up around 10% of your credit score.

9. Keep It Simple for Now

The more credit cards and loans you open, the higher your chances are of falling into debt. When you’re just starting out, you should probably play it safe and manage one basic credit card and/or small loan until you get the hang of things. Trying to manage too many debts at once could get you in over your head.

Over time, you can start to add other credit cards or loans to the mix, diversifying your credit profile and adding more opportunities to build credit. And because the age of your accounts affects your credit score, just keeping accounts open will help you build credit history in the long run. When you’re starting to figure out how to build your credit, do it slowly, carefully and with a constant eye on your statements and credit reports.

The post How to Start Building Credit Once You Turn 18 appeared first on Credit.com.

Source: credit.com