Tips for Storing Financial Documents

Tips for Storing Financial Documents

As you move from apartment to apartment, the task of storing financial documents can seem daunting at first, not only because some documents might be relevant in the foreseeable future while others virtually useless, but because typically financial documents include sensitive personal information. On top of a good organization system, storing financial documents requires a certain level of security not usually demanded of other kinds of storage. Read the following tips to get on you on the right track.

First thing’s first, for documents you don’t want to keep, destroy them: do not simply recycle or toss them in the trash. Because these documents contain sensitive information, the only safe way to dispose of these is through a shredder or incineration. If you don’t have a shredder, and don’t care about incineration, just visit Office Depot, or other office supply stores, to shred documents, as these businesses usually offer shredding services.

Physical Storage

For financial documents you won’t need access to, but should still keep in storage, just place them in filing boxes. To keep it simple and easy for the future, you might name boxes by category. For  security, a filing cabinet with a lock is the best direction to go, or even a locker where you can stack the boxes on top of each other.

On the other hand, if you want certain financial documents accessible, there are a few things you can do. Of course a filing cabinet is optimal, and then categorizing financial document types by file color. Also breaking down categories by date needed or date received could be useful.

Other, long-term financial-relevant documents you might need, like birth certificates, you can store at a safe deposit at your local bank, or purchase a safe for their keeping to protect it from possible future damages.

Digital Storage

A good way to keep your financial documents accessible while also adding an element of security is to purchase a small external hard drive. You probably won’t need more than 5 or 10 GBs, given how little space documents themselves take up, when compared to pictures and videos. With an external hard drive you can add a password protection. Another advantage is you won’t have your financial documents directly on the computer designated for everyday use. This will keep your sensitive files out of the hands of hackers and, maybe, your children. You won’t have to worry about accidentally sending the files or deleting them, as they’ll always be on the external hard drive, which you can disconnect from all devices when you don’t need access to the files stored there.

Another easy way to store sensitive documents is through the cloud, which will enable you to have access to these documents on any network-connected device. A free option is Google Drive, but there are other services like iCloud that provide similar services. You might also just want to look into getting a sensitive document storage program.

Whatever you do, remember to balance security and accessibility.

How to Avoid 3 Common Moving Scams

How to Avoid 3 Common Moving ScamsThe three most common moving scams all involve money. Before you continue to read about the common scams of moving companies, just know that all can be avoided, quite simply, if you sign a contract before you officially decide to hire or use moving services.

  1. Inflating Prices after Packing All Your Belongings

One thing you want to watch out for is hiring a moving company without having a contract with an established, agreed upon price for the move. If you don’t have a contract, some rogue moving companies will pack all your belongings and then require that you pay a fee two or three times larger than estimate or refuse to unpack your stuff. This is a terrible situation: avoid it at all costs!

  1. Inflating Prices after Giving an Estimate

Some dubious movers will just glance at all your belongings and give a “rough” estimate of how much moving fees and services will cost. Do not trust this, and do not base your final decision on the estimate being true. Rather, if you receive an estimate or not, do not agree to use the services of a moving company without signing a contract with an agreed upon price.

  1. Deposit Required before Moving

Lastly, unscrupulous moving companies might require a deposit before showing up to move your stuff. Never do this. This is the sure sign of a scam. Scammers will just take your deposit money and never show up. Then you’ll be out of both movers and out of money.

Signing a contract is the best way to avoid the scams listed above. But there is also more you can do to protect yourself. First of all, never give a deposit. The only time this might be necessary is if you move on a holiday, but otherwise virtually no reputable moving company will require one of you. Another thing you can do is ensure the moving company is licensed by the Department of Transportation. Simply visit their website and do some research on your movers. Additionally, the Department provides a checklist brochure so you’ll never be in the dark about whether your movers are legitimate or not. Lastly, you can always check online reviews. Chances are, if they’re scammers, other people have already reported them.

Ultra-Processed Foods and Cancer Risk Linked

A new study, as reported by Consumer Reports, draws a correlation between the consumption of ultra-processed foods and cancer risk. This is the first study to connect ultra-processed foods to cancer, although these foods have already been connected to obesity, high blood pressure, and high cholesterol.

“In the new study published Wednesday in the medical journal The BMJ [British Medical Journal], participants were followed for eight years. They kept 24-hour food diaries, indicating which types of food they ate. Researchers then measured what proportion of each individual’s diet was ultra-processed.

The researchers’ analysis showed that for every 10 percent of a respondent’s diet that was made up of ultra-processed foods, there was a 12 percent increase in overall cancer risk (and an 11 percent increase in breast cancer risk).”

So what are processed foods? CNN reports, “ultra-processed foods occupy a growing part of the world’s diet. A 2016 study found that 60% of the calories in the average American diet come from this kind of food. A 2017 study found that they make up 50% of the Canadian diet, and they make up more than 50% of the UK diet. And more of the developing world is starting to eat this way.

According to The Guardian, “Ultra-processed food is a definition created by a group of scientists led by Prof Carlos Monteiro in Brazil, a country which also has national dietary guidelines urging they be eaten as little as possible. The classification system, called Nova, puts foods into four groups – raw or minimally processed foods including seeds, fruit, eggs and milk; processed culinary ingredients such as oils and butter; processed foods including bottled vegetables and canned fish and cheeses; and ultra-processed, which are ‘formulations made mostly or entirely from substances derived from foods and additives’.”

BBC produces a general list of foods that count as ultra-processed:

What counts as ultra-processed

  • Mass-produced packaged breads and buns
  • Sweet or savoury packaged snacks including crisps
  • Chocolate bars and sweets
  • Sodas and sweetened drinks
  • Meatballs, poultry and fish nuggets
  • Instant noodles and soups
  • Frozen or shelf-life ready meals
  • Foods made mostly or entirely from sugar, oils and fats

In general, ultra-processed foods include anything canned, sealed, or frozen, but especially if the sugar content accounts for about 20% or more of the calorie count.

Although the news appears diresome, researchers warn not to worry. A well balanced diet should be sought, in any case, which will include consuming whole grains, vegetables, and fruits. Most perishable food items will not be ultra-processed, although in the case of breads it is more difficult to judge.

To show the ramifications more specifically, the BBC reports:

  • On average, 18% of people’s diet was ultra-processed
  • On average, there were 79 cancers per 10,000 people each year
  • Upping the proportion of processed food by 10% would lead to nine extra cancers per 10,000 people per year

So although this may be a call to be more conscious of your diet, there is still much more research to be done to determine the exact mechanisms that propel this increase in cancer risk.

Good Gifts for New Neighbors

The trope of new neighbors typically brings to mind movie scenes involving casserole dishes. In our day and age expectations of neighborly courtesy have certainly changed. Traditional gifts like food dishes become less and less appealing when you think about the possible allergies any dish, even by accidental ingredient inclusion, might agitate. We are required to be mindful of food allergies. There are alternative gifts that are perhaps even better than the food dish.

Gift Cards & Local Places

One of the best ways to connect with new neighbors is by introducing them to places around town. Just pick up a gift card next time you dine at your favorite restaurant and acquaint the new neighbors to one of the best spots in town. Likewise, you can pick up a gift card for a Netflix subscription, HBO, and other streaming services! In this day and age, who wouldn’t appreciate a free month of streaming?

Favorite Gifts

Have a favorite recipe that you’d like to share but don’t want to agitate allergies? Give a gift basket that includes all the ingredients, a nicely printed recipe, and maybe a spatula. This can work with favorite foods or even favorite movies, television series, or books.

Utility Gifts

This can be a rather unusual and quirky option, but sometimes the best gift is a set of basic tools. Who couldn’t use a basic hammer or screwdriver set? Anyway, if your new neighbor already owns these, they can regift them!

It’s time to get creative. Use this article as a launching pad to think of new ways to welcome new neighbors and let us know what you did in the comments below!

Prevent Bugs and Pests in Your Apartment

Prevent Bugs and Pests in Your Apartment

Yes, it is a harrowing thought that one day when you get home from work it is possible that the beloved family dog will have eaten half of the living room carpet the leasing office just installed. But there is nothing worse than cooking dinner and, upon reaching for the cup of flour you poured a few minutes ago, your hand grazes the hard skeleton of an energetic cockroach. Pests in the apartment are the worst. The good news is you can prevent these uninvited guests by maintaining a few best practices for apartment cleaning.

The place with all the food is the best place to begin: the kitchen. Food crumbs from dinner are not the only culprit here, week-old pet food outlining the exterior of pet food bowls is an attractant to cockroaches particularly. Either be sure to clean up any grounded food whenever you feed your pets, or give more restricted portions to limit the amount of misplaced pet food. Another thing to watch out for is standing water, either in the sink, on the counter tops underneath dish racks, or on the floor. Standing water anywhere in your kitchen attracts bugs and pests in your apartment. Wipe counters dry after you clean dishes, and do not leave standing water in pots or pans for longer than a few hours.

Likewise, if you have a carpet, vacuum at least twice a week, and more if you have pets, to reduce dandruff, dead skin, and stray hair on the floor. These things will inevitably be there, so removing them as often as possible will remove food sources and breeding grounds for pests.

These few tips will prevent a large majority of pests from making your apartment their new home. Just be consistent with your cleaning, remove food and water from surfaces, sweep hardwood floors and vacuum often, and you won’t have to worry about the vast majority of pests and bugs entering your apartment.

Tips for Moving with Pets

Tips for Moving with PetsWith all the boxes, fragiles, and furniture you’ll pack into the moving truck, it’s easy to lump your pet’s belongings with everything else. But your pet’s belongings are key to comforting your pet during this time of change. As you think about moving, don’t forget your pet. Below are two important pieces to making the move with your pet as smooth as possible.

The Vet

Before you move, you’ll want to make sure you have your pet’s vaccination records, especially if you’re moving to an apartment. If you schedule a check-up with your pet you can get any records your missing and, more importantly, you can check the state of your pet’s health to ensure it can handle the stress of moving, especially if the move covers a long distance. Some vets will even provide a sedative. If you haven’t yet, be sure to schedule a vet checkup before your move, so that you will have all the relevant information on your pet, including its current state of health, and any extra tools that might make the move easier.

Your Pet’s Belongings

Moving day can be as stressful for your pet as it is for you. In the rush to move everything, you might be tempted to just throw all your pet’s toys and beds into a box and move them out with everything else. This will only exacerbate your pet’s anxiety. Your pet’s belongings have its scent, and this scent is an important signal to your pet that they are in a familiar place. When things get stressful, your pet will look for familiar things and places to comfort it. Taking your pet’s belongings away at the beginning of the move will make a bad situation worse, as it will leave your pet without the comfort of familiarity. Confine most of your pet’s things to a room and leave your pet with them while you move everything. This will help ease the transition to the new place.

While comforting your pet in a time of change, your pet’s belongings will also play an important role in introducing it to its new home. Introduce your pet to its new home by furnishing a room with its belongings, which already contains it scent, so that the new environment will already contain elements of familiarity. This will reduce the shock of transition and create a welcoming environment in a new space.

The Best Time To Rent A New Apartment

The Best Time To Rent A New ApartmentPeople move for many reasons: their apartment wasn’t what they expected, annual rate increases, or newfound desires to change scenery. Yet there are some who anticipate the move, and rent a new apartment at the optimal time. Notwithstanding the specials that come and go at every apartment community in any given season, there are actually two such times each year when it is best to look for new apartments.

According to, the best time to look for a new apartment, if you want the most options, is from May to September. This is the time span in which most people move. Thus, more availabilities at more apartment communities. But if you’re looking to save money, the best time to rent a new apartment is from October to April. This is the time when most people are not moving, and, as a result. some apartment complexes may have more vacancies than they anticipated, and therefore rates will likely be lower to account for the deadened demand.

The best time to rent a new apartment depends in large part on the kind of apartment you want. If you’re looking for the most options, the mid-year is the best time to rent. But for those who want to save money, they’ll be wise to look in the offseason.

Mottos of the Organized

Mottos of the OrganizedDon’t let your stuff own you

It’s easier said than done. Some people collect so much stuff throughout their lives, they have no idea what to do with it. So they keep it. Then have to pay for space to store it. And the problem just perpetuates itself. When you make financial decisions about where to live, because you have a bunch of stuff that you don’t use but need to bring with you, then your stuff owns you. Don’t let that happen.

When it’s not fun, you’re done

Two questions to ask yourself about the things you own: Are you using it and is it fun? If the objects sitting around your home are never used, why do you keep them? Consider this: clutter in your home contributes to, or may reflect, mental clutter. It may both cause and reflect anxiety. Clear up the things you don’t use, the things that no longer contribute to your life, and notice how it affects your day-to-day mentality.

Free space is worth more than occupied space

When all kinds of objects just occupy space and have no other use, you basically pay for the objects to sit there. It’s like renting out space. And every time you want something new, you’ll have to find a new place for it. This is the cycle that owning too many things all too often becomes.

To get out of this rut, consider the value of free space. Free space is possibility. You can do anything with it.

The past should remain in the past

If you want a change in your lifestyle, consider the objects you surround yourself with. Are they just things of the past, no longer contributing anything to your lifestyle or the lifestyle you want? Are they things that remind you of what you were but don’t want to be? Let everything that holds you back stay in the past. Try surrounding yourself with things that inspire you, things that hold you to a certain level of living.

Getting organized can be very difficult. Disorganization is a habit, and breaking habits is difficult. Remembering these mottos will make it easier to break the chains of habit.

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Tips for Storing Books

Tips for Storing BooksIf this is your first time storing books, you might think the process will be as easy as storing anything else: pack them up in boxes and throw them on a shelf. But that’s not exactly the case here. Books are delicate, sensitive to changes in their environments. Store your books with the confidence that they won’t diminish in value.


Clean. You might not think dust is a big problem, but it can cause covers to fade, lose texture, and damage their surfaces after books set for too long. Inspect all your books for dust and dirt.

After you clean, you may want to wrap any books with dust jackets in Mylar book covers. This thin, plastic material is actually sturdy enough to prevent most damages to book covers. Plus, in the future, if you spill something in the vicinity of your book, it won’t necessarily ruin its cover.


The first thing you’ll want to consider is the kind of storage unit you want your books in. Climate-controlled storage is best, since you will be able to not only monitor the temperature of the unit but also the humidity levels. Aside from that, you probably shouldn’t store books in a unit without, at least, temperature-control, which makes the unit immune to major temperature changes (these units typically guarantee a range of temperatures for your storage: a range in Fahrenheit from about 50 degrees to 90 degrees).

Next, boxes, bags, or totes? If you use boxes, don’t use secondhand boxes, especially if they contained items that typically emit an odor (food, leather, etc.). These odors will settle in books after a period of exposure.

Don’t store in plastic bags. Not only can these produce gases after some time (which will settle in your books), but they also can trap humidity and water, forming a layer of condensation around your books. Bags can basically create the same environment as a humid basement.

Totes are usually okay for a few reasons. If the outside of the tote gets wet, the moisture won’t sink through the tote to the books (like it would a box). Secondly, there is usually extra space in the tote, which would allow for some air circulation for your books. And, thirdly, you won’t have to worry about the acid that some boxes contain yellowing the pages of your books.

Whatever you choose to do, now you have the information to store your books like a pro. Happy packing!

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Conquer the Toxic Dust Hidden in Your Home

Conquer the Toxic Dust Hidden in Your HomeMany of us don’t need a substantial push to swap harmful cleaning chemicals for less intrusive alternatives. Who likes dry, bleach-stained calloused hands anyway? As the dangers of indoor dust are well known, it’s becoming apparent the invisible, long term effects of our daily cleaning habits, and lack thereof, can amount to terrifying heights of harm. A recent study that “…analysed 26 peer-reviewed papers, as well as one unpublished dataset, from 1999 onwards to examine the chemical make-up of indoor dust…” found nearly 90% of dust samples contained particles linked to cancer and infertility, as reported by The Guardian. These findings were due in no part to small sample size: “The studies covered a wide range of indoor environments, from homes to schools and gymnasiums across 14 states.”

With the satisfactory appearance of Clorox’s clean glaze over countertops and the refreshing scent of Febreze floating like a lazy cloud from one room to the next, just when our homes seem cleanest, we may actually be most vulnerable. Altering what you buy, from harsh chemical cleaners to safer alternatives, isn’t the only thing you can do to curb indoor pollution, and doesn’t account for much of the problem. Your clean home houses hidden hazards.

The problem of indoor pollutants may appear at first glance counterintuitive. How could vanquishing bacteria, viruses, and who-knows-what-else from dirty floors and countertops, bathrooms and kitchens, ultimately harm us? Your everyday cleaners aren’t particularly handy for the real problem. The issue is that some chemicals in our couches and mattresses, our vinyl flooring and carpeting, contain flame retardants, known to cause cancer, affecting the reproductive and nervous systems, and phthalates, found in personal care products and food packaging, which “have been linked to developmental problems in babies, hormone disruption, and are also thought to affect the reproductive system.”

These chemicals, especially when imprisoned in a house on lock-down for the winter, can accumulate and mingle with dust in your home. “The researchers highlighted 45 toxic chemicals in indoor dust, 10 of which were present in 90% or more of the dust samples – these included flame retardants, fragrances and phenols.” As The Guardian points out, these chemicals, though banned in some products, like bottles and diapers, may not be banned in others, like walls and flooring.

But this isn’t a matter to just throw up our hands over, declaring all proactivity hopeless and ineffective. Singla, from the Environmental Science and Technology journal, writes there are steps we can take to reduce exposure to this toxic dust. One key is, when you are performing regular cleaning duties like wiping off the counters or sweeping, don’t tackle these tasks with dry brooms or paper towels. Use damp mops and cloths to reduce levels of dust. Whereas merely dry materials might kick the dust back in the air, damp materials will cause the dust to clump and aggregate. Also, vacuum regularly, as the suction disposes of the toxic dust in its container. And, of course, activism, to demand accountability, is the surest way to reduce exposure to these chemicals.

Although the problem of indoor pollution is extremely concerning, it’s in your power to reduce exposure. Besides changing the way you clean your home, you can also purchase plants, which help reduce indoor pollution by cleaning the air you breathe. And don’t be afraid to open up your windows when the days are brilliant, and the soft breeze of spring warmly soothes the plants and animals, blooming and bustling outside, stirred by the chance to enter your home like an old, visiting friend.

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