Pet is not a problem when living witha roommate

Having a pet, just like having a baby, entails too many responsibilities (even if you are not the pet owner) and certain household adjustments. That is why, having pet when you live with a roommate in NYC is an issue, so if  you are either sharing a place with a pet owner or being a pet owner living with a roommate yourself, you might find this article interesting.

IF YOUR ROOMMATE HAS A PET

your rommate's cat

Do not adopt the pet! 

Make sure you don’t become the pet’s care giver, cleaning, feeding, walking and treating it instead of your roommate. There must be a reason why you didn’t get a pet for yourself, and whatever it is, it can only mean one thing- you don’t need it now, so don’t let it be imposed on you by a careless owner.

Lay out some rules

Think of the pet free zones in your apartment, meaning the areas where you don’t want your roommate’s cat/dog/tea cup pig have access to,  and make sure that your roommate understands the full meaning of “pet-free”.

Take precautions

roommates with pets

Get all the things that might be damaged by a pet and get them safely out of reach. As we said above, having a pet in the apartment entails the responsibilty from both sides, so be responsible for your stuff. Better safe than sorry.

Communicate

Don’t hesitate to talk to your rommate if you feel an issue arising, and be sure to do it right away to avoid escalation.

IF YOU ARE THE PET’S OWNER

Train your pet

Make sure you pet is properly trained. Biting puppy or a not (potty) trained cat is a problem that could cause your roommate to start hating your pet and all pets in general.

Set boundaries

Confine your pet.  As a pet owner you might be ok with your dog’s chew toys scattered around the apartment,  but your roommate is most likely not going to be ok with it. So it makes sense to get a puppy pen if you have a dog.

roommate's cat

Be extra clean

Don’t fail to clean after your pet right away, even if you feel that it can wait a few hours, and make sure you give your pet a proper bath as often as it takes, to ensure that it doesn’t stink.

Take extra care about your pet

Again, if you have a dog, maybe, it makes sense to hire a dog walker, to make sure your canine is healthy, and not going nuts inside the apartment out of boredom.

Even if you are sharing an apartment with someone, you can still enjoy having a four legged baby in your house, the only thing that  you should watch out for, is making sure that your pet is not causing any problems to your roommate turning his/her life into a nightmare. That is why it is important to let your roommate know about your pet upfront, before you got into a commitment, and the perfect way to do it, would be to put the pet in your profile, when you are just looking for a roommate, and maybe even put your pet as a profile picture to let everyone know about it right off the bat.

Why should you improve your credit when living with a roommate?

Why is it good to have a good credit score?

Whether you like it or not, having a good credit score is really important, at least if you choose to live in a big city in The US. Let’s face it, life is just so much easier when you have some little extra money, which you borrow and then comfortably pay back over time. Plus, borrowing is being encouraged by our system, so you can get a whole bunch of nice perks when using (the right) credit card. So, again, why is it important to have a good credit score?

fix your credit while living with a roommate

A)It helps you save money. You can get a better interest rates if you are deemed reliable by your lender.

B)You can apply for credit cards that give you better rewards and bonuses.

C)You can borrow bigger amounts of money (which is good if you want to invest in something).

D) Our system is designed so that the more financially reliable you are, the easier, faster and cheaper it is for you to rent an apartment, get a car, go to school and do other things like that, that are imortant for your life’s success.

So, I say, right now, while we are living with the roommates and, therefore, have a bigger financial margin to use, is our time to tune our financial life for success.

What does a good credit score depend on?

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The word is, FICO has been working on a new credit scoring system, which they are planning to launch by the end of this year/beginning of the next year. This system is designed to give a fairer judgement and better chance of getting approved for a loan or a credit card for people who are in the higher credit risk group. Things like rent, phone, cable and utility bills payments, as well as how often does this person change the address,  will be taken into consideration when determining their credit score. So there might be some room for improvement for all of us out there!

When is it better use a credit card rather than cash?

Using your credit card is good when you receive cash back, miles, points or other rewards and bonuses on the money you spend. Therefore using credit is better than using cash when you have the right type of credit card and if you manage to avoid paying interest interest charges. To simplify it even more, paying by card is better if you can get the item for less money than you would get it for if paying cash (sorry, did I make it more complicated right now?).

Another situation when you would want to use your credit card rather than a debit card is when there is a possibility of fraud present. When someone steals money from your debit card they are stealing your hard earned cash while with the credit card, thiefs basically steals bank’s money, and you don’t have to pay it back because, according to federal law, you can’t be held liable for unauthorized credit or debit card transactions.

How to improve your score?

I’m absolutely positive that you already know what I’m about to tell you, but I’ll tell it anyway just in case some school kids are reading this. If you want to improve your credit score these are the things you should do:

Lower your utilization rate to 30% by either increasing your line of credit or applying for another credit card and transfering part of your balance from one card to another.

Make payments on time to avoid interest charges.

Try to pay off your outstanding balance as soon as possible.

Keep an eye on your transactions and stay in touch with your credit card company, negotiating your debt down.

What if you are in a credit debt trouble?

Then again, you should negotiate your settlement plan with your credit company and be relentless about it, maybe even go for “pay for delete” option here. But make the reps on the other end of the line really work with you finding the best solution for your problem.

Talk to your credit counselor to have him help you work out a startegy.

Ask a family member, a friend or a roommate with a better credit score to add you to their credit card account to help you improve your credit score (which could help you to get a loan to pay your credit card debt).

fix your credit core while living with a roommate

So why should you work on your credit score now, when you live with a roommate? Well, you don’t have to of  course, and who am I to tell you what to do, right? Speaking for myself, I invest a lot of time and effort in fixing my not-so-perfect-credit score right now, because I have a very clear goal: I want to have my own place without having to share it with anyone, and a good credit score will definitely help me in achieving it faster. So I manage my finances wisely and fix things that need to be fixed in my life while I have a chance to do it, preparing myself for a bright and happy future.

Laughter yoga as an antidote for a roommate stress

make your roommate laugh

I have recently read that laughter has a powerful (almost magical) effect on your body. Let’s take a look at what happens to you when you respond to something funny: according to numerous researchers when you hear a joke and crack up laughing, a strong electrical wave is being sent through your cortex engaging all parts of it, which, basically, boosts the vital processes of your body. Laughing is known to promote release of endorphins (hormones of happiness) and reduce the level of cortisol (stress hormones), strengthen your immune system, slow down your heart rate and lower blood pressure. It is also said to boost your creativity and help to cure various deceases such as cancer and diabetes and promotes healthy sleep patterns.

Norman Cousins an American political journalist, author, professor and world peace advocate was diagnosed with a rare form of arthritis and was said by a doctor that he had “little chance of surviving” and had cured himself by watching comedies and taking vitamin C. His own quote was: “I made the joyous discovery that ten minutes of genuine belly laughter had an anesthetic effect and would give me at least two hours of pain-free sleep”.

confront your roommate with laughter

There is a whole study dedicated to the healing power of laughter called Gelotology, which offers us three kinds of laughter therapy:

Humor and Laughter Therapy – it consists of watching comedies, reading funny books, telling jokes and anecdotes or doing basically anything to make the patients laugh and engage in a conversation sharing their personal humorous experience with others. It’s done as a part of rehabilitation process to help the body activate it’s regenerating processes.

Laughter meditation- Performed pretty much as a regular meditation, only focusing on laughing instead of breathing. It is, traditionally, a three-step process including stretching, intentional laughing and the meditative silence.

Laughter yoga – includes about 45 minutes of laughter exercises incorporated in its usual routine.

The good part about these activities is that they don’t require any emotional effort on your side. Everything is pure mechanics. The laughter meditation instructions lay it out in one simple step-by-step system, suggesting us to start by “gently turning corners of our mouth upwards and starting with a soft smile”, no imagine-the-funniest-moment-of-your-life crap here, that will make your mind freeze while trying to remember it.

laughing roommate is a good roommate

People that laugh a lot are more successful in life than those who don’t, as  laughter is a natural ice breaker helping people to open up and create a personal bond with those around them. It was stated that laughter is increasing creative thinking and improves productivity.

To summarize it all, laughing can help you reduce the amount of stress in your life, stabilize your blood pressure, strengthen your immune system, increase your vital energy level and improve the overall quality of your life, it is free and there is no cap on how much of it you can use. Isn’t it funny?!

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Why is having roommates good for your taxes

There is a time once a year that takes place in winter-early spring period, when adults of the United States talk nothing, but taxes.  Yes, paying taxes is among few things that are certain to happen in our life, and of course we want to be smart when paying it.

having a roommate affects your taxes

That is why I was really excited to discover that having a roommate can affect my taxes, possibly in a good way, even though I am not a homeowner. Although I have to claim the rent payments I receive from my roommate as a rental income (because I charge her more than half of my own rent, hence, profit from renting my room out), I can deduct all the rent-related costs such as advertising, repairs, improvements etc, that could help to ease my tax payments if I do it right.

So here are the things I, personally, plan on claiming as my rental related expenses: the rental room improvements (the A/C and closet I have bought for the room before my roommate moved in), the costs of painting the room prior to her move in, the registration fee I paid at roomster.com to join and post my profile there (which resulted in me finding the best roommate ever), basically anything I have spent on my roommates room + 50% of all my household charges!!

having a roommate can affect your taxes

There is one more thing that needs to be considered when deducting expenses of your rental room: the percentage you can deduct will depend on how long has your roommate been living in that room for the year and how long have you had it for your personal use. For example: if the tenant has occupied the room for the whole year, you can deduct 100% of all your expenses. If your roommate has only been living in your room for three months, and before that the room was used by you, then you will have to divide the amount of days in year to the amount of time your roommate has stayed there to find out what percent of your expenses is deductible.

And again, remember that sharing an apartment can be fun experience in your life which you can benefit from both financially and personally, if you arrange everything about it the right way.

“420 friendly” roommates

420 friendly roommates

I’ve noticed that growing amount of roommate seekers identifies themselves as “420 friendly” and the people on the pictures in those profiles don’t look like junkies at all. The question that started bothering me though, is what should “420 friendly” in somebody’s profile tell me about this person? I mean, a lot of people smoke marijuana occasionally and it is not a big deal, it doesn’t affect their life, doesn’t prevent them from succeeding and building their career or family or whatever else they are striving to achieve in life, so why should someone state the fact that he smokes unless he/she knows that it might become a problem? And what exactly are they trying to let us know, putting “420 friendly” in the profile? That they are going to be rolling blunts in the kitchen and smoking in the living room till the air becomes blue with fumes? That there will be a steady stream of guests sharing this enjoyable activity with them? Or do they simply want to let their prospective roommates know a little bit more about themselves?

I had smoking types of roommates in my life, some of them did it occasionally, but there was one girl who I can’t forget, that made me really skeptical about 420 supporters, at least the most enthusiastic ones.

So, her name was Nelly (it’s not her real name), she was an aspiring (or should I say, struggling) model, trying to make it in New York, and she was smoking all day long, a puff here, a puff there. That of course had left an imprint on her personality, as she had mood swings worthy of Six Flags highest roller coaster, her motor skills got affected by smoking a lot (she was extremely clumsy, dropping things and stomping her feet around the apartment as if they were made of cast iron or something) and, I think, it also messed up her brain activity, as she could start doing something, like doing the dishes and then forget what she was doing, if distracted. A couple of times she had forgotten how to get home from the subway station located two blocks away from our building, and got lost in the neighborhood, and once or twice, when I had to remind her that she is past due on rent, she would get genuinely surprised because she thought she had actually paid me. That would take us about a half of an hour to figure out whether the payment was made or not, and, trust me, this was no fun for me. I don’t think anyone would enjoy having a roommate like this, and I totally see her putting a “420 friendly” line in her profile summary.

So if I were looking for a roommate now, I wouldn’t skip 420 profiles altogether, however I would scrutinize those carefully, searching for signs of trouble. First of all, I would look at the post itself. The manner it’s written in, the grammar and the logical sequence of it, because Nelly couldn’t manage to write even a text message that would make sense, let alone the online ad. Then, I would definitely pay attention to their work schedule (Nelly had “flexible” working hours meaning she stayed home all the time) and party habits (she would have put “frequently”). Occupation can tell you a lot about the life style of your potential roommate too. I am not discriminating or judging here, but based on my own observations a “420 friendly” musician is more likely to cause you headaches than a “420 friendly” IT specialist working full time from 9 am to 5 pm, Monday through Friday.

If the person is responsible and seems trust worthy, then smoking should not be such a big problem for me, as marijuana is, really, less harmful than alcohol and, if not abused, can even benefit your mental health. How do I know this?  The (only) chemical that is responsible for you getting “high” while smoking weed, the THC (tetrahydrocannabinol), is produced by your body in a natural way, so as you can guess, it cannot be that bad to your system. It only affects your brain by, mainly, stimulating the release of dopamine – the chemical that is vitally important for your nervous system to function properly. So, the whole process is pretty natural and organic, as opposed to the dehydrating, brain damaging effects of ethanol, the main active chemical in alcohol, so it is much safer, and, for me personally, more comfortable to tolerate.

Why I love going out with my roommate

Roommate NYC

I, of course, like spending time with my friends, but getting older and wiser I am trying to do what’s best for me, and I have figured out that going out with my roommate is much better than doing it with just a friend. I’m not talking about the fun side here, it’s all purely practical: When you are going out with a friend you are basically responsible for yourself, but when your roommate is beside you, you feel (at least I do) like it is your mom’s younger and cooler version (sorry, mom).

My roommate is the best wingwoman (is there even such a thing as a wingwoman?) in the world! She keeps hoping that I’ll meet my prince charming, so she is always on the lookout for me. She scares me sometimes with her almost computerized skill to scan the room in search of a potential boyfriend. It’s like, we would be drinking and talking, and she would appear really engaged in the conversation and then: “So I told Katelyn that we should ask for Friday off this week since there are only two of us showing up in the office anyway… Have you seen that cute guy with the beard over there? With the beard… WITH THE BEARD! He keeps looking at you so intensely…No, not that one! He has a ring on… omg, don’t turn like this, you are so obvious!..”

It’s ok for us to pay for one another when we go out because there is always an unpaid balance fluctuating between two of us. Let’s say I paid our electric bill and she ended up owing me certain amount of money, then we went grocery shopping together and she paid for our groceries, but the amount she has paid is slightly bigger than what she gave me, so now I owe her, and so on.

I am not afraid of getting tipsy (read: wasted) because I know that my body will be safely delivered home and placed into my bed. I can even hope to be woken up next morning, if she doesn’t oversleep herself.

Being on a neutral territory helps us to ease the tension and discuss the issues we might be having with each other. I don’t know why is it like that, but things apear much simpler and less significant in the darkness of a bar.

It’s always an adventure going out with her, because we have completely different interests and outlook on life, so spending time together outside of our apartment is like introducing one another to our private worlds. Sometimes it works, sometimes it doesn’t, but it’s never boring.

And one more thing that made me really fall in love with my roommate: she has taught me one really cool russian anti-hangover trick: activated charcoal+pickle juice, that once had saved my life and my career. That is the debt I can never be repaid…

Happy Fourth Of July… to me (stitches instead of fireworks).

This Fourth of July was good for me despite the fact that I ended it in an emergency room having my hand stitched up and missing the fireworks.

celebrating 4th Of July with my roommate
Thanks my roommate for leaving me a Fourth of July souvenir!!! PS. I’m not mad at you.

So this is how it all started: we were having a small party, only the closest friends invited, on our roof (we are technically ot allowed to go there, but we do it anyway), and that was when my roommate got aggravated with her ex (who was also invited for reasons unknown to me), and smashed her wine glass against the wall of a roof entrance.

We didn’t hear the whole argument, and all of us just stared at them in shock, when I noticed that I am bleeding. It turned that a huge piece of shattered glass had bounced of the wall and slashed the skin on my hand. I went down to treat the cut and while rinsing it I was even more surpised to see a stomach turning gash on the top of my left hand, with blood streaming down from it and quickly forming a puddle under the sink.  My roommate who walked into the bathroom a moment after me, was even more horrified and nearly passed out when she saw all the blood and flesh.

We rushed to the ER where I was congratulated by the surgeon on the fact that the glass had barely missed my tendons. So there was a sort of silverlining in the dark cloud of my injury (see, having it had jeopardized the trip to the beach that we had planned for Sunday). Another good thing was that I have learned some new things, and it never hurts to learn something new, right?

Things I’ve learned:

-The fastest and easiest way to clean blood stains from hard surfaces is to pour peroxide over it and then wipe it off with a paper towel (wikihow doesn’t teach you that!).

-People in Mississippi are not all overweight racists (watching the episode of Bravo’s  What Would You Do? while waiting to be seen doctor in the ER’s waiting area).

-If you ever find yourself in an emergency room and are asked if you have had a #%$& (something that makes absolutely no sense to you) done, your immediate response should be “yes”. Because if you say no, or even appear hesitant you will be vaccinated on the spot to prevent diseases that you didn’t even know exist.

-The best way to ignore a person in pain is to pretend that this person is not there (nurses in the ER to a homeles woman with a bad burn on her leg waiting to be treated by a doctor). I mean, you probably should ignore someone who smells bad and yells obscenities at you, but, am I wrong to judge them for not trying to understand that all her stunts were just an attempt to get the attention and care that she obviously doesn’t get but needs so desperately? And are they really that busy looking mad, that they can’t spare a minute to make a small talk with someone, or at least just look and smile and the person? Well… I’m sure all of it is more complicated than it looks…

-Tullie loves blood. But it gives her mad diarrhea.

If we were silver screen personalities

My roommate and I had rerobert_downey_jr_and_jude_law_in_sherlock_holmescently watched A Game of Shadows (the Sherlock Holmes Series) and realized that we are pretty much like Sherlock Holmes and Dr Watson. They are both mature and responsible, so are we, one of them is on a weird side though an absolute genious in his trade (me, being modest, but realistic) the other one is a knowledgeable and respectable professional with strong moral values(my roomie), they each have different interests, but are friends, hang out together often and have each other’s back in the times of need. Well… Mostly, Dr Watson is helping Sherlock Holmes but.. who’s fault is that that Sherlock Holmes’s life is more adventurous and interesting than Watson’s, right?

interview-with-the-vampire-empireAfter giving it a better thought I realized that these are not the only two iconic roommates who we can relate to. If you remember a movie called Interview With The Vampire the two main characters there, the vampires, were also roommates and they started out as friends with one looking after and mentoring the other one. That is just like my roommate and me, taking turns in mentoring one another.

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There is another great movie about roommates, called The Fight Club, which is also quite old but is considred the undying classic (am I right or wrong?) with two psychopathic friends crashing an old abandoned house in an industrial area, taking on the national finance system. Even though one of the roommates is figment of the other’s inflamed imagination, and they are, technically, terrorists, they still remind me of us with all the fun and philosophical conversations they have at the beginning.

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Also if you have could consider Timon and Pumbaa from Lion King to be roomates sharing the jungle then it could also be us, hanging out and having fun together, we are sort of missing Simba but I don’t think either of us wants the third person to enter our household.

I didn’t even realize untill now, that all the characters I compared me and my roommate to are a males. I guess it can say something about us in a psychological sense…

Meet Tullie

Meet Tullie, the cat I have adopted with my roommate’s permission. Actually we both wanted a cat but my roommate was concerned with the responsibility issues, such us, who is going to take care of the cat if we both leave for a few days, what if we forget to feed it or change its litter box, who’s going to take the cat to the vet to do all the shots etc. So I stepped in and said I am going to be responsible for the cat, but in exchange I am going to have exclusive rights on it, meaning that I get to pick a name and the cat is going to be sleeping with me most of time. We took her from the shelter this Saturday and she has officially become The Princess Of The House since that day!!! Excuse the quality of the pictures, they were taken with my Iphone 5.

Everybody who sees he says she has super smart eyes.

She is super smart, she has figured out already who can give her treats if she plays cute (me), and is now working on the fridge opening skill.

Having a pet when living with a roommate!tullie7

Stretching and cleaning

We still have to figure out what to do with her fur flying around the room and sticking up to the furniture but these I minor details!

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Sleeping beauty

She falls asleep in less than 30 seconds, regardless of where she is and what she is doing at the moment!

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There is just one thing that concerns me so far: we somehow failed to notice that our lease has a “no-pet” clause in it, so now we are researching the ways to keep the cat, in case our landlord says she has to go.