In the United States, for the most part, apartments are arranged in complexes or buildings, and are individually rented, or leased out. Apartments are also paid for on a month-by-month basis, as opposed to being purchased outright. They took advantage of plummeting rents and signed a lease for a two-bedroom a few blocks away, which kept them close to Mr. Ting’s family. Whether your application is approved or denied, read up on your rights as a renter wherever you live.

Is management generally responsive to issues or does the office staff ignore issues? Does the landlord read reviews and makes improvements based on any tips or suggestions that someone takes the time to post? All of these details can help someone make an informed decision about their next address.

Your guide to apartment searching

In addition to checking your income, landlords may request documents attesting to your character as well as your rental and work history. If you are considering applying to an apartment, you may want to check your credit score. Most landlords will complete a credit check, and apartment buildings you apply to may have credit requirements. For example, an apartment complex may have a minimum credit requirement of 600. The higher your credit score, the higher your chances of getting approved for an apartment. If you have been researching housing options that accept lower income levels, you may have also come across the term income-restricted. It’s important to note that income-restricted properties differ from income-based properties.

These apartments are owned by the city or by private landlords who get government subsidies. Alternatively, you can determine your budget by dividing your annual household salary by 40.

Finding Section 8 apartments for rent can make an already stressful hunt that much more difficult. Around 2 million families live in subsidized units within Section 8 housing and most of these families earn less than $20,000 a year. Experts have noted in the last year that there’s been a boom in rental construction, especially in multifamily apartment buildings.

They check your references

Her work has been featured in USA Today, Travel + Leisure, Midwest Living magazine and other national and regional media outlets. When she’s not out exploring the city with her two children and husband, she’s perfecting her air hockey technique. A review is only as good as the author but apartment reviews that someone takes the time to write and post with great feedback and tips are very helpful. No one wants to move into a place that might have too many problems or that management ignores — those are the kinds of things that pop up in apartment reviews.

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Alison is part of the content marketing team and enjoys writing about housing affordability and home interior design ideas. Her dream home is a cottage-style house with a chef’s kitchen and a cozy room to store and play vinyl records. You’ll type into the Search Bar either the city’s name or the zip code (for example, Austin, TX) where you’d like to begin looking for an apartment or rental home. While finding Section 8 housing requires more work to apply and find an apartment, it’ll be well worth it if you end up receiving a voucher. Just remember to follow up if you make it on the waiting list, and keep realistic expectations. Upon receiving your Section 8 voucher, HUD allows 90 days for residents to find a new place that’s decent, safe, sanitary and will pass inspection prior to moving in.

Look for a smaller rental unit

Some neighborhoods are less expensive than others—meaning you could rent the same size apartment for cheaper. You can use the map function on listing sites like Realtor.com to show you price differences.

Whether you’re sticking to a strict rental budget or you’re looking for a pet-friendly rental, there are many reasons why you may be considering renting an apartment or a house. While the average American spends 30% of their income on housing in 2023, this isn’t always possible for young professionals. Often, renters are paying more due to the recent rise in rent prices.

If you find an apartment that ticks all of your boxes and you see yourself living there for a couple of years, consider signing a lease for more than 12 months. If you have a flexible move-in date, consider starting your search in the middle of the month before the month you plan on moving. However, if you have a specific move-in date, you need to start apartment hunting at least two months in advance. Of all the factors that require consideration during apartment hunting, price is by far the most important to many people—especially those on a tight budget. About your inquiry and other home-related matters, but not as a condition of any purchase. MoreYou also agree to our Terms of Use, and to our Privacy Policy regarding the information relating to you. This consent applies even if you are on a corporate, state or national Do Not Call list.

Sure, you could take them out to eat at a restaurant, but what if you want to cook for them? You can rent an apartment with a large kitchen and an impressive dining area to host an intimate social gathering for family and friends.

Alison is part of the content marketing team and enjoys writing about housing affordability and home interior design ideas. Her dream home is a cottage-style house with a chef’s kitchen and a cozy room to store and play vinyl records.

Apartment living is something that many people experience – especially if you’re a first-time renter. But apartment life isn’t for everyone and there are pros and cons to consider. Let’s dive into the common advantages and disadvantages of renting an apartment.

Read Our Rental Guide

Keep reading to learn how to read and write accurate apartment reviews. Writing an apartment review isn’t difficult and can improve accessibility for some in your apartment community. Are renters’ rights protected, for example, or are the units safe and up to code? Because of high demand and low inventory for Section 8 apartments, the waiting list, maintained by the housing authority, can take years — the length and wait-time depend on your local market. If the PHA decides that your family is eligible, you’re added to this list. If you’re interested in this program, you need to meet the requirements, which include family status and size, gross income, citizenship status, criminal history and eviction history.

Reading and knowing how to evaluate reviews can save you time and money in the long run. A well-written review that highlights key issues is a possible deal breaker, while one that mentions amenities and benefits can seal the deal.

Financial & work history

In the end, property managers want a tenant who will make payments on time and be a positive, respectful member of their community. Especially in colder climates, property managers may ask that you move during warmer months to reduce the risk of damage to the apartment building. First off, the landlord or property manager may not be the person giving your tour. So you may have to set up a separate meeting with them to discuss your application. Other income-based programs through the federal government include Section 42 housing and Section 8 housing.

Tips to Ensure You Get Your Security Deposit Back

In addition to checking your income, landlords may request documents attesting to your character as well as your rental and work history. Most people, even young professionals, have some sort of credit history. If you’re new to the workforce and don’t yet have much to show for it, many rentals will look the other way on this as long as you have proof of employment and income. However, if you have bad or low credit you might want to head it off at the pass by offering to co-sign on the lease with a person who has good credit, like a parent. That way, if you default on payments, the property can get the payment from the co-signer. Ideally, the property wants to see that your monthly take-home pay is three times as much as the monthly rent.

Read more about Senior Apartment Rentals here.

It’s important to note that income-restricted properties differ from income-based properties. An income-based apartment caps the rent price of eligible renters to 30% of their adjusted gross income. Once they know that you make enough money to afford the place, the landlord needs to know that you’ll actually pay rent when it’s due. When you fill out the apartment application, you give them permission to do so. That depends on the size and location of the apartment, as well as the amenities it includes.

Whether your application is approved or denied, read up on your rights as a renter wherever you live. Some property management companies use third parties to process apartment applications, which unfortunately lengthens the approval process. Once you hit submit on your apartment application, you may wonder, how long do apartment applications take to process?

The federal government pays a monetary incentive to the property manager, covering a portion of the operating costs. If the property manager wants to receive these incentives, the individual must allocate a minimum of 20% of properties in an apartment or group complex to the program. While eligibility requirements vary, the renter must earn 50% less than the area’s median gross income level. The rent price cannot be more than 30% of a renter’s adjusted gross income. A lease is a legally binding contract, laying out the rules agreed upon between the landlord or property owner and you, the tenant.

Eligibility requirements are stringent and include proof that you are unable to do your work, proof of lost wages, and a medical certificate that the primary care physician must complete. As part of the criteria, the veteran must show a need for assistance in activities of daily living or be bedbound due to disability or illness, be in a nursing home, or have significantly impaired eyesight. The monthly pension for caregiving can be substantial, so it’s worth applying if you think you or your loved one qualifies. The IHSS program allows the recipient to choose to be self-directed, meaning paying a family member, including a spouse, to be their caregiver. A family member can get paid to be a caregiver in California under several different programs.

Each type of short-term care has its benefits and limitations. Our tips will help you put together the best plan for your loved one’s recovery. If you’re seriously ill, you may have to manage not just your medical condition but physical, emotional, and practical matters as well.

Talk to your loved one’s physician, friends, and anyone else who has personal experience with short-term care. Long-term care is for people who have chronic medical conditions that require ongoing medical care and assistance. In most cases, you can think of long-term care as a place of residence, such as assisted living or a nursing home where people intend to live. It’s also defined by decades of resistance to innovation, even as public attitudes toward death are shifting.

Moving On Doesn’t Mean the End of Grief, Either

Before you begin the process, you might want to educate yourself on what happens to a cell phone contract after a person dies. Are you ready to fire US Cellular as your cell phone provider? Make sure you have a significant block of time to complete this process if you wish to transfer (or port) your phone number. We will provide you with the appropriate customer service phone numbers to cancel your account or the account of a deceased loved one. We won’t be able to decrease your hold time, but we can at least provide the resources you need to reach the correct department. Lastly, there is no penalty for not having health insurance.

Read more about Repose Services Group here.

You can remove specific individuals from your coverage and save your changes. However, if your loved one wasn’t a part of your household coverage plan, continue to the next steps. First, if your loved one was a part of your covered household, you can log into your own online portal to remove them from your coverage. Once you log into your online portal, go to your coverage screen. Patients and providers can both benefit from enhancing patient-centered decisions when practitioners and interprofessional teams understand these values.

Planning for the future is the best way to stay in control of your health. Start end-of-life planning today to prepare for anything tomorrow might bring, while also making the best decisions about your own health. A note is the best way to ensure your doctor knows how much you appreciate them.

Palliative Care for Children

You can get health news and information from The Science of Health blog delivered right to your inbox every month. Some medicines can affect blood test results, but this doesn’t necessarily mean you should stop taking your medicine. Steroids, for example, can increase your cholesterol levels, but your doctor can take this into account when reading your results.

Near death research

Rebirth can take place as a god (deva), a human (manuṣya) an animal (tiryak) — but it is generally taught that the spiritual evolution takes place from lower to higher species. In certain cases of traumatic death a person can take the form of a Preta or Hungry Ghost – and remains in an earth-bound state interminably – until certain ceremonies are done to liberate them. This mythological part is extensively elaborated in the Hindu Puranas especially in the Garuda Purana. However, the mechanism of rebirth with Kamma is not deterministic. The most important moment that determines where a person is reborn into is the last thought moment. At that moment, heavy kamma would ripen if there were performed.

In the case of a deceased loved one’s account, you might find their healthcare details saved on a password manager. Before you cancel your marketplace health insurance plan, you need to prepare a few things. The more documents you have on hand, the easier it is to complete this process. Depending on whether you applied through the federal marketplace or a state marketplace, you will need a username and password to access your details. Many private insurance plans pay for part of palliative medicine. This is separate from coverage for hospice care, which is often fully paid. If you have Medicare Part B (the Medicare plan that pays for doctor visits and outpatient care) or Medicaid, you may get some palliative coverage, depending on the treatment.

There are many kinds of possible plans and most incorporate a mix of aerobic, resistance, and flexibility exercises. Nutrition, rest, exercise and mental recovery are important for everyone, but perhaps especially so for fitness instructors, who are expected to make dozens of grueling workouts a week seem effortless — fun, even.

If you can go for over an hour and you’re not completely worn out, try increasing the intensity. We have a FULL resource on how to determine your starting weight for lifting, but I’ll give you the gist here. Either pick up a heavier weight, or do 1 more repetition than last time.

For that reason, I don’t think it’s necessary for you to track ALL of your calories EVERY day for months and months. However, I think spending a week writing down every calorie is incredibly important for your education and awareness on what you’re eating. Start with 15 to 20 minute swims every other day, and then gradually increase to 30 minute swims five days a week, as your body allows. If you start a new swimming routine at too high an intensity, muscle soreness and fatigue could cause you to give up. #4) Change up the time between sets – if you’re doing 3 sets of 5 reps of a really heavy weight, it’s okay to wait 3-5 minutes between sets – you’re focusing on pure strength here. The researchers put a group of 25 sedentary men through a 6-week exercise program — either three 20-minute cardiovascular sessions each week, or three 30-minute high-intensity, total-body strength training sessions. However, note that experts no longer recommend stretching before exercise.

What is a Fitness Journal?

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I know how tough this stuff is – it’s not just KNOWING what to do, but ALSO knowing how to do it correctly and sticking with the plan for months. I’ve been working with an online fitness coach for 5+ years – he can see my progress and then create the next workout that is sliiiightly more difficult. It doesn’t have to be perfect, but tracking your food for just a few days could be one of the most eye-opening experiences you have when it comes to getting in shape. I understand writing down your calories can be a pain in the ass, which is where sites like MyFitnessPal come in handy. They all have massive food databases that allow you to simply plug in what you ate (Big Mac, one apple, a gallon of Ben & Jerry’s ice cream, etc.) and it keeps track of calories, protein, carbs, and fats for the day. Think of your stomach as a muscle that adapts to its surroundings. If you continually shovel 4000 calories down your throat, your body will start to crave 4000 calories even though it doesn’t need that many.

The Best Gyms in America

When you feel your pulse, look at your watch and count the number of beats in 15 seconds. To check your pulse over your carotid artery, place your index and middle fingers on your neck to the side of your windpipe.

Adding Stretching and Flexibility Exercises

Having an example fitness journal template can be a great way to get started as you begin journaling. These example fitness journal templates offer several questions to help guide your entry and gives you a repeatable structure to follow, but don’t be afraid to make it your own. Your gym will help you safely start your CrossFit journey, no matter how fit you are. Coaches teach you the foundational movements and adjust workouts to your fitness level.

Record the details of your workout, such as the exercises you did, the number of reps and sets, the weight you lifted, and the duration of your workout. Adding specific details to your fitness journal not only helps you track your progress but also provides a reference point for future workouts. You can use this information to challenge yourself by increasing the weight or the number of reps and sets you perform. Be sure to note how you felt during the workout, such as any discomfort or pain, as this can help you identify areas that need improvement. While a fitness tracker can provide lots of data related to your workouts, performance, and health, it doesn’t provide insights into the emotional and mental aspects of your fitness journey. Keeping a fitness journal allows you to go deeper than just the stats and record how you feel during and after your workouts.

This will ensure that you record accurate information about your workout, including the exercises you did, the number of sets and reps, and any modifications or challenges you faced. Writing immediately after your workout also helps you reflect on your performance, track your progress, and set goals for future workouts. The Physical Activity Guidelines for Americans recommend strengthening exercises for all major muscle groups (legs, hips, back, chest, abdomen, shoulders, and arms) two or more times a week, with at least 48 hours between sessions. One set per session is effective, though two or three sets may be better, according to some research. Your body needs at least 48 hours for recovery and repair between strength training sessions in order to build more muscle and get stronger.

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Certification may enhance your resume and some employers may require one. Knowing how to exercise, and then getting yourself to actually follow through with the program long enough to get permanent results is brutally difficult. I always know exactly how I did in my last workout so that I know what I need to do in this workout to get stronger. If you eat out frequently, you’ll have to do some research – go to the restaurant’s website and they’ll probably have nutritional information on there. If they don’t have it online, do your best to estimate by picking a similar meal option on one of the sites listed above and use its meal information instead. Want a rough idea on the number of calories you should be eating? You can at least make sure you measure it the same way each time to measure if it’s trending in the right direction.

Prolonged stretching impedes the maximum contractile force of muscles. Instead, experts now recommend starting off your exercise with a warm-up, such as an easy walk or a sport-specific routine such as serving some tennis balls and practicing ground strokes before a match. Then, when muscles are warm and pliable—for example, after five to 10 minutes of exercise—you can stretch. Or, even better, do your flexibility exercises as your post-workout cool-down.

Jamie has contributed to several of the GH Institute Labs, including Kitchen Appliances, Media and Tech, Textiles and Home Appliances. In her free time she enjoys cooking, traveling, and working out. Consider whether your choice will fit into your current decor.

Unless you have a fully slip-covered sofa, the fabric on the frame is not likely removable. This is when an upholstery cleaning machine comes in handy.

Armchairs by Fabric

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What You’ll Need to Clean a Fabric Sofa or Chair:

Although the method by which the frame parts are held together may not be immediately evident, the salesperson or the printed technical specifications should have this information. Look for frames joined with wooden dowels, double wooden dowels, wooden corner blocks, or metal screws and brackets. Never buy a sofa that is only assembled with staples, nails, or glue, although these materials may be used as supplements to provide additional reinforcement. An easy test for solid frame construction is to lift one front corner or leg of the sofa off the floor to a height of 6 inches or so. If the other front leg doesn’t quickly rise off the floor too, it’s a sign the frame is twisting and weak.

How to Steam Clean Your Sofa

However, these sofas can look less crisp than their single-cushion counterparts. For an extra layer of customization, some companies allow you to supply your own fabric. Although there might be an upcharge for this, it’s a simple way to get a more personalized look with any standard sofa. If you’re placing your sofa in a sun-exposed space, look for fade-resistant/UV options. And if you place your sofa outdoors, look for additional mildew- and moisture-resistant features. Shivani is an interior design expert for Better Homes & Gardens who covers interior design, decorating, and home improvement. She has 5+ years of industry experience and currently works as a residential interior designer in Macon, GA.

Pets tend to shed a lot of hair, which can accumulate on your upholstery and cause allergies. Besides, pets may cause stains, which can be difficult to remove if left unattended for an extended period. There are a number of things to take into account when purchasing a new couch or sofa. Decide on the size that best fits your demands and the available space first.

See some different Colorful Design Ideas For Concrete Driveways.When it comes to durability, keep in mind the amount of traffic and the type of traffic your driveway will endure. Ft. concrete driveway is$4,000 to $8,000or$4 to $8 per square foot, depending on the size, shape, and decorative finishes. Small driveways may cost more per square foot because most concrete contractorshave a minimum job price. A concrete driveway costs$4 to $8 per square footor $1,600 to $6,400installed on average. The cost to pour a new concrete driveway with decorative colors, borders, stamped patterns, and finishes is$8 to $18 per square foot. While stamped concrete is pricier than asphalt, you’ll get a much better return on your investment.

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Interconnected Cracks

A single concrete block, as used for constructionConcrete is a composite material composed of aggregate bonded together with a fluid cement that cures over time. Concrete is the second-most-used substance in the world after water, and is the most widely used building material. Its usage worldwide, ton for ton, is twice that of steel, wood, plastics, and aluminium combined.

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Questions to Ask a Driveway Concrete Contractor

To estimate your total concrete driveway cost, you first need to calculate the size of the driveway. Many local councils in Australia specify a minimum width of 3 metres. The cost of a concrete driveway depends on the size, whether it’s on a slope and the type of concrete finish you want, among other things. For a quick cost estimation, please visit our concrete cost calculator. By far the most common method for recycling dry and hardened concrete involves crushing. Mobile sorters and crushers are often installed on construction sites to allow on-site processing.

If you’re budgeting for concrete driveway costs, check out these three types of concrete. Workability depends on water content, aggregate , cementitious content and age and can be modified by adding chemical admixtures, like superplasticizer. Raising the water content or adding chemical admixtures increases concrete workability. Excessive water leads to increased bleeding or segregation of aggregates , with the resulting concrete having reduced quality. Changes in gradation can also affect workability of the concrete, although a wide range of gradation can be used for various applications.

Driveways come in all shapes and sizes, and the types of damage they can experience vary just as much. That’s why it’s impossible to pinpoint an exact cost figure for concrete driveway repairs.

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The all-black design gives you the ability to blend this bench into any background. The finish also acts as a protective barrier against chips, scratches, and stains, further adding to the bench’s professionalism. We picked the Yamaha BB1 as our best overall piano bench due to its simplicity. Piano benches are straightforward in their design and intent and the BB1 exemplifies this. It also comes from a world-renowned audio manufacturer. With Yamaha, you know you’re getting an excellent product.

If you’re looking for a piano bench that offers both comfort and convenience, the Donner Piano Bench with Storage is a great choice. With its solid wood construction, high-density sponges, and non-slip rubber pads, this bench is designed to provide a stable and comfortable seating experience. Plus, the built-in bookcase storage compartment is a great feature that makes it easy to keep your sheet music and other accessories organized. A piano bench is a bench that is usually used in a piano room. Its purpose is to provide seating for the pianist and other listeners of the music played by the pianists.

The key signature is located right before the time signature. It tells you what key you’re in by listing all the sharps and flats in the piece. Knowing how to recognize patterns is a shortcut to reading music. For example, if you can recognize a scale, you’ll know that notes are just going up or down step by step. In each staff , there are five lines with spaces between them. If this feels easy, try playing loudly in one hand and softly in the other. Hand independence is something you’ll continually work on as a pianist.

This negatively affects the technique, finger speed, note accuracy, and correctness of movements. You need to lower the bench to the lower position at home, and then adjust it to the desired exact height and count the number of rotations. Similarly, you can adjust any other bench just by counting the same amount of turns. Once you have adjusted the stool to the correct height in your home, walk up to it and touch your knees to the bench. Remember the point on your knees where the top of the bench is.

Piano Benches with soft padding

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Donner Piano Bench with Storage

This makes the legs very resistant, firm, and stable. This durability and resistance, together with its classic style is a one-of-a-kind seal of quality. Hence, it is an easy and very comfortable color option for any type of person in all homes.

Ultimate-Guitar.com contains chord charts for piano, guitar, bass, and ukulele. Chord charts can be toggled to “piano” to show diagrams of how to play each chord. “Sus” means “suspended” and it’s when you switch out a note for another. So Gsus4 would mean switching out the third for a fourth to form G-C-D. Seventh chords have a dreamier sound and are often used in jazz piano. A slash chord, like F/E in “Yesterday,” means you play the note after the slash as your bass note while your right hand plays the chord F on top.

The padded back gives you enough support to help you sit correctly, making it very comfortable for those long gigs or practice sessions. Wenger’s Musician Chair offers many of the same features as a Cellist Chair. For me, the main difference is that the seat-back tilts backward slightly and doesn’t provide as much support as the closer-positioned Cellist Chair seat-back.

If you liked my pumpkin pecan pie bars or pecan cheesecake bars, you are going to love them. This gluten-free chocolate chip brownie cheesecake is a dessert lover’s dream! A rich brownie crust is topped with a silky cheesecake layer speckled throughout with mini chocolate chips. It’s then topped off with more mini chocolate chips and fresh strawberries for a truly out-of-this-world, decadent, and delicious cheesecake! Perfect for the holidays or any special occasion.

To avoid the outer crust from flaking in transit, you’ll want to nestle the tassies against one another and avoid a vessel that’s too big. Pick an airtight container that is just large enough to hold them.

Combine a thick graham cracker crust, creamy brown sugar cheesecake filling, and a caramel pecan topping to make one unbelievable layered dessert. Make sure all cold ingredients in the filling are room temperature before starting. Top with optional brown sugar whipped cream as the final garnish (see recipe Note). What’s better than a creamy cheesecake filling sitting on a crisp graham cracker crust and topped with a pecan pie filling? This recipe is an incredibly delicious (and quite fun) way to take two Fall classics and combine them into one glorious dessert. Adding cinnamon into our cream cheese batter helps to bring the layers together, emphasizing the apple flavor in the topping. While the cheesecake is baking in a water bath, you’ll prepare your apple filling on the stovetop.

For the Topping:

If you need to stack them, place a piece of parchment or wax paper between the layers. Then cover the outside of the pan with aluminum foil. Sloane Layton is a trained chef, recipe developer and regular contributor to ThePioneerWoman.com.

1 teaspoon cinnamon

The base is made from coconut and cashews, the creamy filling is made from cashews and apples, and an easy almond butter-based caramel is swirled on top. This is the perfect cake to bring to a fall party or to make just because. Technically yes, but a water bath does wonders at preventing the much dreaded cracks on top. By filling a roasting pan with boiling water to come up the sides of a springform pan, the steam helps ensure that the cheesecake will lift and cook more evenly. It will also prevent the cheesecake from shrinking and collapsing as it cools. Just make sure to wrap the pan tightly with aluminum foil to keep out the water and to avoid a soggy crust. Start by toasting the pecans on a baking sheet in the oven for about 10 minutes.

I recommend storing the topping separately from the cheesecake. The cheesecake can be stored, covered for 3-5 days before the texture begins to change. It can also be frozen, if well wrapped, for up to 3 months. Pecan Pie Cheesecake Bars, Vegan and Gluten-Free!

And with no pre-baking necessary, it’s a no-hassle no-bake dessert that you can have ready to go in no time. When it comes to no-bake desserts that are both unique and delicious, no-bake Pecan Pie Cheesecake should be at the top of your list.

When you are ready to serve it, make the pecan pie topping to pour it over the cheesecake. To beat the heat, I have been making more and more no-cook desserts. Fresh berries with a dollop of this raw cheesecake filling is my favorite way to end the day. I can’t get enough of this cheesecake filling! If you make any part of this layered treat, it must, must be the filling! Raw, vegan, healthy, it tastes JUST like cheesecake.

As with all cheesecakes, this one needs time for preparation and refrigeration. Butter Pecan Cheesecake does need to be refrigerated for at least 4 hours before serving but it’s better if you let it chill overnight. Melt together the sugar, whipping cream, butter, and corn syrup.

This no-bake Pecan Pie Cheesecake is the perfect blend of two delicious desserts! This decadent treat is one part pecan pie, one part cheesecake – giving it an irresistible combination of crunchy, creamy, sweet and salty flavors. A shout-out to all pumpkin lovers – there’s a new easy pumpkin dessert in town! This delicious pumpkin cheesecake with chocolate graham crust is easy to prepare. The pumpkin cheesecake filling has the wonderful flavors of pumpkin, spices, vanilla, and cream cheese blended beautifully. You’ll want to use apples that hold their shape relatively well when baked.

Read more about apple pecan cheesecake here.

After going through the process personally, I am excited to share our new sofa (I am OBSESSED!) along with some tips to help guide you as you shop for a sofa. Hopefully, these tips teach you how to choose the right sofa for your room. Learn all there is you need to know about buying a fabric sofa in our complete guide.

The spray it emits is super fine, and this makes it easy to get good coverage without soaking the fabric. I then got trigger happy and sprayed dye all over the back of the sofa and used a brush to even it all out. If you’re on a super tight budget but also short on time, then invest in a continuous sprayer.

But if you’re just a little klutzy and prone to spills, consider a chemical fabric protectant that repels liquids long enough for you to wipe them up before anything sets in. Once completed, there will be cushions resting on top of the sofa’s deck. However, I still wanted the deck to be soft and have some padding. So, I used 1 inch cushion foam and cut it wide and long enough so that it could be tucked through to the back and outer sides of the sofa frame.

Once you have an idea of your perfect sofa, you can build out your living space to complement it. Footstools double up as extra seating, side and coffee tables start to build more layers of texture into the space, and lighting and wall art add the finishing yet all important touches. If you need to seat 6 people for instance, a sectional sofa is modern, fits into
corners, and is great for getting cosy together. Whereas two
3 seater sofas create a
pleasing symmetry, and when placed facing each other across a
coffee table encourages a more sociable scene for conversation.

Cleaning our Ikea Couch:

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How to Properly Clean a Fabric Couch

While most homeowners can wrap their heads around a decent quality sofa, they tend to balk at spending on drapes or area rugs (or lamps). This is where they will just get what’s easily available and inexpensive.

Make sure to leave two or more feet of open space around the sectional (unless it is placed against the wall) to maintain comfortable walkways. Proportion counts when selecting a sectional—which will require some forethought to plan out and measure the space it is going into.

How is A Quality Sofa Built?

More people can squeeze in comfortably without cracks between cushions to worry about, making it easy to create a makeshift daybed perfect for napping. If you’re looking for a more laidback, lived-in look, search for sofas with loose back cushions and seat cushions. Although these iterations tend to be more comfortable, they run the risk of looking sloppy over time. A quick fix is to buy a sofa with a good warranty or high-quality cushions. Yes, believe it or not, your couch does need to be replaced after a certain amount of time, wear, and use. Or, for those shopping for a new couch, how long it will last in the first place.

A strong business credit score could mean that you don’t need to guarantee the loan with your personal assets. The exact documents required to get a business loan vary by lender. However, there are some documents that most lenders use to assess and verify an applicant’s identity and a business’ existence. Traditional term loans are lump sums that you pay back over time with interest and often have high borrowing maximums — SBA loans can reach $5 million, for example. Many lenders also offer specific products to fit a growing company’s needs, such as loans for equipment or vehicle purchases.

With invoice factoring, the business sells outstanding invoices to a factoring company, which becomes responsible for collecting payment. Explore financing options and cash flow strategies on Small Business Resources. Applying for a small business loan Expand this section to learn more about how to apply and the information you’ll need for your application. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

“I just couldn’t believe it,” Claudio, who pays $2,100 a month, told Business Insider. “I’m literally saving $700 to $800 a month on my mortgage payment. It’s a win-win situation, no matter which way you look at it.” The transaction is called an assumable mortgage, which has grown in popularity as rates have risen. There are several reasons why a business might need to obtain a loan with no money. You can use crowdfunding platforms like Kickstarter or Kiva to find interested parties. You usually reward your small business investors with perks like your product, swag or equity, depending on the level of investment. You’ll be expected to have a strategy for high growth in place to satisfy the investors.

Choose a type of loan

So they might not be offered as favorable a deal on a business loan. Almost any business can apply for a business loan, but a lender may require extensive documentation during the application process. The borrowed funds are made available as either a lump-sum payment or a line of credit. Businesses must then repay their lender according to the terms of the loan, which dictate the length of the repayment term and the interest rate charged. Crowdfunding offers startup founders a way to raise funds for their business without having to borrow from a traditional financial institution or friends and family. Business owners can start a crowdfunding campaign using an online fundraising platform like Kickstarter or Indiegogo. Alternatively, startup owners may consider borrowing money from friends or family to get their business off the ground.

How Do Business Loans Work?

While some may think of small businesses as solo practitioners or mom and pop shops, the Small Business Administration has a far broader interpretation. To qualify as a small business, a company cannot exceed standards for average annual revenue or average number of employees, depending on the industry. For example, soybean farmers are considered to be a small business up to $2.25 million in annual revenue, while flooring contractors are small up to $19 million in annual revenue.

Common Uses for a Business Loan

The overall time it takes to get a business loan depends on several factors, including the lender and type of loan. However, the business borrowing process typically takes anywhere from a few days to several months. Business owners who need to access cash quickly may need to work with an alternative lender or other financial institution that specializes in accelerated How Can I Get a Business Loan approval and funding speeds. Borrowers who need fast access to cash may benefit most from short-term lines of credit. While this type of financing comes with brief repayment terms—usually less than a year—funding times may be faster than for traditional lines of credit. In fact, borrowers may get access to their line of credit within hours of approval.

It can be difficult to get a small-business loan if you don’t have good credit and strong finances. It may also be difficult to get a loan if you are a new business. It can also be helpful to have a business attorney review the agreement. Organizations like SCORE can provide low- or no-cost access to small-business legal services.