Wednesday, January 8, 2014

What do I need to do and what should I know about moving out?

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Danny


I'm 19. I'm living with my parents. I don't go to college. I make about $180 a week from my job. I desperately want to move out within the next few months. When I do move, I'll probably want to go to another state. I don't have my license until June 15th or so (it was suspended). Even when that happens, I don't have a car I could legally take to move with me as the one I use is in my dad's name. Basically, I'm wondering what I need to do and actually take action on. I'm also asking for any knowledge I should have going through this. Any tips. That sort of thing.

I know I'll need money. I've barely started saving but it's happening.. slowly. I can wait on getting a car if it's someplace I don't necessarily need one. I could use other modes like taking the bus or biking. Or walking, if I'm in a city.

Something big that I have no idea about is health care and insurance and all that. Any information for someone who knows nothing would be great.

Sorry this is so scattered and disorganized. I'm just trying to figure out exactly what I need and what I need to do to move out. I'm tired of my living circumstances and I need to be around non-stressful people who can understand me, and I can understand them. I can't do that here, so I'm trying to change what I can. This is mainly aimed at people who have moved away from their parents, without the help of their parents. But any help at all is appreciated. Thank you.



Answer
Well, first let me congratulate you on your employment. It's not much, but it shows initiative.

First thing I would advise you to do (besides saving every penny you can) would be to get a job in the area in which you want to live! Do you currently work for a company where you could transfer to another one of their facilities? You may have to actually formally apply, and then show up for an interview, but with the economy the way it is, going into an unknown situation while unemployed is (or should be) a scary idea!

Do you have relatives or friends who currently live in an area where you'd want to relocate to? Having a safety net is a really good thing!

I wouldn't count on getting a place with an incredible walk score. Cost of living in cities with great public transportation are expensive. And on your budget, you'll probably have to look for something cheaper a little further out. And that is going to require a car. I'd also like to hedge a guess and say, no more underage drinking, k? :-) If you want to move out and live on your own, a valid license is mandatory. And lets think a head a little bit. What you do to your record AND credit rating now is going to be oh sooooo much more important to you ten years from now. So HUGE piece of advise here. Dont screw up your credit rating!

Now lets talk housing. You'll need a good credit rating for this. Landlords check all 3 credit bureaus now days. You'll also need proof of employment with a wage sufficient to satisfy the landlords requirement. Although they are talking about Boston, this theory holds true anywhere these days. http://charlesgaterealty.com/2013/renting-advice/how-much-can-i-afford-in-rent-each-month/ Don't forget, just to get into a place you'll need first months rent, last months rent, a security deposit, and some landlords also request key deposits, garage door opener deposits, pet deposits, etc. Then there are the utilities. Between electric, heat, water, sewer, garbage, internet, phone, and whatever else it can easily be equal to rent. Some landlords may include things like elec, water, sewer, garbage and you may get lucky and find one with heat included too. But you're still going to have to cover phone, cable and internet. Basically, what I'm saying is; in the DC/MD/VA area you're not going to find much for $720 month.

Health care. That comes with a real job. Not usually when your working at McDonalds (although I could be wrong - never worked there!)

Now. With ALL THAT SAID! What I'd like to see you do is take that $180 week and march your butt down to your nearest community college and sign yourself up. If you cannot do that, then turn around and head over to your nearest Recruiters office and cross your fingers they'll take ya!

Good Luck in your future endeavors.

when do the 2013 dirt bikes come out?




Linda


im looking to get a new 250 dirt bike and i want to know when the 2013s come out. I am looking at honda, kawasaki, suzuki, ktm, yamaha...all the major brands.


Answer
All the bikes come out the same time, around the end of 2012. All the bikes are very similar, you're going to have to ride each of the bikes to find your preference.

KTM is way too much money, currency between Austria and the US isn't good. Yamaha is too advanced, their 2013 models are going to look like a futuristic robot, and it might even have electric start, which adds around 20 lbs.

Kawasaki is great as the 2012 model almost dominates the other bikes. I prefer the Suzuki, but it's all rider preference. Suzuki isn't over designed, it's the best bike in my opinion. Next years bikes could go from $8,000, but the KTMs... (Keep Throwing Money). Could go up to $10,000.




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