5 Key Features to Check for When Hunting for a New Apartment

When you're looking for a new apartment, it's easy to get overwhelmed by all of your options. Unfortunately, that means you might overlook a few key features during your search for the perfect abode. Whether this is your first apartment or your fifth, here are a few key features you need to look for during your search.

Location

While this feature isn't inside the apartment itself, it's still one of the first things you need to look at when you decide to tour a unit you like. When you're looking at location, you need to consider more than being in an ideal neighborhood. First, consider what's important to you. If you use public transportation every day, check whether or not there's a bus stop within walking distance. Hate driving long distances to get groceries? Make sure there's a supermarket or local grocery store within five minutes of the place you're touring. Location is about more than being in the next up and coming neighborhood!

Storage

Storage space is a crucial feature to look for when you're apartment hunting. The apartment you're touring might have enough space for you and your larger pieces of furniture, but will it have enough space for your kitchen equipment, knick-knacks, plants, bins, and other extraneous belongings? Before you commit to any of the apartments you're looking at, make sure you ask about storage space and make a point to look at it during your tour. Not only can this help you make a better decision for yourself space-wise, but it can save you a lot of trouble in the long run when you need to organize your belongings.

Appliances

Some appliances might not be essential, but if they're important to you then you should absolutely make a point to ask about them. If you, like 62% of millennial homebuyers, care about granite countertops, you'd ask about them. The same goes for appliances like dishwashers and laundry machines. If you hate washing dishes by hand, then ask about whether there are any available units with that appliance. Can't carry laundry to the nearest laundromat? Ask about in-building or in-unit laundry appliances. It might seem forward to ask about these things, but you'll thank yourself later.

Parking

If you own a car, parking should be one of the first features you ask about when you're looking at a new apartment. The last thing you want is to sign a lease and only have metered parking for miles in all directions. Since almost 85% of the nation's homes were built before 1980, it's not far off to imagine the state of some of the nation's apartment complexes. If off-street parking really matters to you, it's possible to ask whether your rent will include fees for garage parking or if there's a parking garage nearby.

Security

Security should be top of mind at all times when you're looking at an apartment. There are a few key things to check for when you want to know about apartment security.

• Are there locks on the windows?

• Is the entrance to your building locked?

• Does your apartment door lock?

• Who has access to your apartment?

Checking on these things can help you make sure that the place you're looking at to live is truly secure and safe from intrusion. In addition, it's a good idea to check the landlord's policy on apartment entry. Will they contact you in advance when they need to come in and check on something or make a repair? That's just as much a matter of security as anything else.

When over 90% of real estate transactions happen via the MLS, finding apartments to look at isn't the problem. Rather, knowing what to look for once you arrive for your tour is the bigger issue. Don't forget to check for these features the next time you move.

Home Decor Tips to Make Your Home More Accessible

If you're part of the approximately 650 million people who are living with a disability, there may be some challenges faced in your home's decor. Whether your disability is something you will live with for your entire life or if it's a temporary disability caused by an accident, you may need to make some changes such as making your bathroom spacious or even installing bathroom radiators to your home to accommodate yourself.. Below are a few home renovation projects that may make your day to day life at home easier without sacrificing your personal style.

Tax Breaks For Medical Costs

If you are remodeling your home only because of your disability, you may qualify for a tax break. In the IRS' document with tax highlights for those with disabilities, it says that "improvements to a home that do not increase its value if the main purpose is medical care. An example is constructing entrance or exit ramps." The items on this list are all renovations that are all intended to increase accessibility, so it's possible they can qualify. Make sure to check with an accountant if you're unsure.

Think About Doorknobs

Something small that you may not consider when it comes to accessibility is the difficulty that can come from doorknobs. If you choose a knob instead of a handle, it can be hard for someone who problems with their hands to open doors. If you or someone in your household has this kind of issue, handles can be very useful. Someone who may struggle with a traditional knob will be able to open and close doors without having to firmly grip a knob, giving that person more freedom and better accessibility.

To make sure that your door handles fit with the decor of your home, you can look for colors or metals that fit with the theme of the room. For a more cohesive look, you can choose one type of handle that you can use on every door in the house.

Widen Doorways

If you or someone in your household uses a wheelchair, you'll probably need to widen doorways to make them more accessible. If you're doing this, you can also take the chance to try out a new style of door in your home. Try painting your new doors a fun, bright hue to bring a pop of color into your home. You can also restain the door to match your decor if you buy a door just because it's the right size without thought for your decor. The average doorframe is 28 inches, while accessible doorframes are 32 inches, so make sure to double-check the measurements of a door before buying it for a widened doorway.

Install a Ramp

A ramp is key to accessibility if you or someone in your home has mobility problems that require a wheelchair. Although you may think of a wheelchair ramp and envision a metal contraption with obvious gripping pads on it, your wheelchair ramp doesn't have to look that way. You can have a wheelchair ramp without negatively impacting the curb appeal of your home -- you will just need to be creative. The first step is to find a contractor who will work with you to design a ramp that blends seamlessly with your home's exterior. If your front door has a small stoop made with stone, you can look into adding a ramp to it that is made of the same stone so that your ramp blends easily into the existing porch. You can also install a wooden ramp that won't clash with the exterior of your home. Make sure that the grade of the ramp isn't too steep and that the ramp has some grip to it so that you or the person in your household doesn't have trouble with the ramp once the temperatures begin to drop.

Furniture Layout

If you are redesigning a room and you or someone in your home needs it to be more accessible, you will have to take a few factors into account. What types of accessibility changes do you need? Does there need to be a path wide enough for a wheelchair? Is someone visually impaired and needs things to be placed in a certain way so they can navigate?

When thinking of your furniture layout, start with what you can't or don't want to change, such as where a radiator is located. Although moving a radiator is possible, it may make more sense for your heating system to keep it where it is depending on the layout of your home. If you've had your furnace for more than 15-20 years, it may need replacing, which could be an opportunity to change up your entire heating system. However, if you don't want to move a radiator or other fixture, make sure you're designing around that as well as any specifications required by a person's disability.

Accessible Flooring

Slipping and falling are very common accidents. In fact, in 2015 there were more than 20,000 slip and fall injuries reported in workplaces in California alone. To avoid getting a slip and fall injury in your home, make sure you're thinking through your flooring choices. Although rugs can be anti-slip, they aren't as accessible for people in wheelchairs. There are countless options for flooring, and because of this, you can find a flooring choice that matches both your decor and your accessibility needs. If you do your research, you can definitely find the perfect flooring for you and those in your household.

Having a disability doesn't mean that you have to sacrifice style for accessibility. It's possible to keep your home's style intact no matter what kind of disability you have. Finding more stylish options may take more digging, but it's definitely possible.

Home Improvement Projects That Will Increase Your House's Value

If your kids have recently moved out of their childhood home, you are planning to sell in the near future, or you are looking for some projects to embark on, perhaps it is time to get started on a home improvement project or two that will increase your house's value. You can choose to work on many of these projects yourself, or you can hire a professional to attend to needs outside of your comfort zone.

Consider a Garage Door Replacement

How old is your garage door? Is it getting rusty, is it not working properly, or is its color outdated or covered in dirt? Perhaps it's time to consider a garage door replacement. With diligence, this project can take only one day to complete. You can purchase a garage door, a garage door kit, and other materials you will need to complete the project at a home improvement store. Be sure to enlist some help with removing the old door and installing the new one so you don't get hurt.

This project can cost up to $2,000 if you do it yourself, and you will likely get most of that back when you go to sell your home down the road. You can also choose a nice color for your new garage door that complements the colors, ambiance, and style of your home.

Finish Your Basement

Another project you can work on yourself is finishing your basement. If you use it as a space for storage, you can still do so once it's finished. For prospective buyers in the future, having a finished basement that allows a family to choose how it's used is a wonderful benefit that is highly sought in the real estate market.

Before you get to work, you may want to invest in a proper professional inspection for mold, moisture issues, and water issues. You don't want your basement to be contaminated or unable to hold in moisture after redoing it. Finishing your basement includes sealing the walls, installing foam board sheets, building the walls, and much more. Alongside research, you can find videos online to help you through this process. Since videos are growing to become one of the most popular ways of consuming content, with YouTube having over 2 billion visitors every month, there are dozens of basement DIY videos to follow. This project will take some time, so be prepared and perhaps enlist some help from a handy family member or friend.

Consider Building a Deck

Do you have extra space in your backyard? Consider building a deck to increase your home's value. Surely you and your family will enjoy time relaxing on it, too.

Building a deck can take anywhere from one week to one month depending on how big you want it, how much time you have each day to work on it, and how much help you can get building it. This job is labor-intensive and will require much attention to detail. The average cost of building a deck is between $5,000 and $10,000, depending on how large it is. However, you will gain much of it back when your home is sold in the future. Get an excellent and reliable concrete contractor in Orange County CA or somewhere near you to get it done beautifully. Many families seek decks for pools and for extra sitting space outside, so this project is well worth it.

Embark On a Minor Kitchen Remodel

14% of homeowners planned to make improvements to their kitchens in 2018. Are you next? A minor kitchen remodel costs a fraction of a full remodel, around $20,000, and will help increase your home's value. You can also expect to recoup about 70% of that cost after you sell your home in the future, making it a worthy investment.

First, consider repainting the walls and cabinets in your kitchen. This low-cost task can brighten the room and completely transform its look. If your kitchen cabinets are old, consider entirely replacing them. A new set will make your kitchen look great. Then, look into purchasing new, energy-efficient appliances for your kitchen. These simple projects will increase your home's value and transform the overall look of your kitchen for the better.

Deep Clean Your Home

A simpler project you can easily embark on is deep cleaning your home. This includes sweeping, mopping, vacuuming, dusting, and utilizing tools to reach and clean every corner of your house.

Another aspect of this project may include deep cleaning systems and appliances in your home, such as your oven, chimney, fireplace, and heat exchanger. If your oven isn't self-cleaning, it should be cleaned once every three months or so. Manufacturers suggest cleaning chimneys and fireplaces once a year and heat exchangers a minimum of once every five years. These pieces in your home are important to clean for the safety of your family and the overall health of your home.

Consider taking on one or two of these projects if you would like to increase the value of your home. Whether you plan on selling your house in the near or distant future, it's not a bad idea to get a head start on improving and adding onto parts of your home. Not only will future prospective buyers appreciate what these projects have to offer, but you will be able to enjoy them, too.

Interior Design Ideas You Need to Try in Your Apartment This Winter

If you love apartment life but you're not sure how to decorate your space for winter, you're not alone. It's tough to figure out how to decorate for the season when you don't have a ton of storage space or much license to make changes to your living space. If you want to learn how to create a cozy winter wonderland in your apartment this season, here are a few tips to help you out.

Hang Some Decorative Lights

Strings of twinkling lights are the perfect display of winter cheer. And it's relatively easy to place them in your apartment without damaging any of the walls or other fixtures, too. For instance, if you want to line an archway in your apartment with twinkling lights, all you'll need is a step stool and a few good stick-on wall hooks. These hooks don't require any drilling or hammering, so you can rest easy knowing that your security deposit will still be coming your way. And if you're feeling really festive, you could even invest in lights that blink or lights in colors that complement the rest of your decor. Just make sure that if you're one of the 38% of people who own a dog that you hang your lights out of their reach! Regardless of what color you choose, lights are an excellent way to bring some cozy winter vibes into your apartment.

Add Some New Throw Pillows

Throw pillows are an excellent way to add color and texture to your living space. And the best part? You can have as many as you want and your landlord can't tell you otherwise. If you're really short on space, it's possible to switch out your throw pillow covers instead of purchasing additional throw pillows to add to your collection. And since 44% of people use the internet to look for homes and home goods, a simple search online should help you find what you're looking for. If you're not sure what kinds of throw pillows will help you create a cozy feeling in your place, consider things like color and texture. A big, fuzzy throw pillow might look great paired with a smaller patterned pillow or a pillow with some nice texture on it. The key is to group your pillows together in a way that creates a variety of textures and colors that complement each other.

Invest in Some Decorative Candles

If you, like most Americans, move every five to seven years, it's likely that you don't have a lot of accessories to place around your home. But there's nothing wrong with picking up a few things here and there! Decorative candles and candle holders are a timeless piece of decor that can help any space feel cozy and luxurious during the holiday season. And one of the best things about these decorative candles is that they're typically not meant to be burned, which means no fire hazards for you. If you're feeling really creative, you can even purchase some candle-making equipment and create your own decorative candles. This way, you can make sure your candles are perfectly suited to your holiday style.

Decorating for the holidays is an awesome way to express yourself and make your space truly feel like your own. And even with a rented apartment, you can create a cozy winter wonderland.

How to Tastefully Decorate Your NYC Apartment for Autumn

Decorating for each season comes with a certain kind of thrill. Whether you're in a rented apartment or you bought your home directly from the seller, it's exciting to decorate! This is especially true for autumn when there are so many vibrant colors and fun accessories to use. But how do you decorate tastefully for this season? Here are a few tips to help you do just that.

Use Natural Hues When Decorating

Autumn is a season full of amazing natural colors. Varying shades of gold, yellow, orange, red, and even white outside can offer plenty of inspiration for your interior decorating. If you're not looking to make any major changes with your decorating, consider adding a few throw pillows to your sofa, chairs, and bed to add some natural hues into your space. Scented or decorative candles are also a great way to add some natural colors to your home decor. And if you're really going to get into it, putting out new accessories that match the hues you've placed around your home can add another little touch of autumn to your space. A caramel colored Chesterfield furniture or coffee table would be perfect. You can even change your bedsheets to a nice natural color if you want to take the decorating into your bedroom. Almost 78% of people report sleeping more soundly with fresh sheets on the bed, anyway.

Bring Some Fall Foliage Home

Fresh flowers might be more common as a home accessory during the spring and summer months, but that doesn't mean there aren't any flowers available to you during autumn. In fact, some of the most beautiful flowers are in bloom during the autumn months, which means you have plenty of options to choose from when it comes to bringing some freshness into your space. Don't mind that 37% of flowers purchased are for major holidays. Flowers like chrysanthemums, ranunculus, and even sunflowers can add a beautiful pop of color to your home while making everything look crisp and fresh. If you want a more muted, natural look, consider arranging some dried branches in a warm-toned glass vase. You can do this with evergreen cuttings or autumn foliage arrangements, as well. Even pinecones in a warm-toned glass bowl can add a touch of nature to your space without adding too much color. They can offer a nice texture, too.

Bring Out the Blankets

Throw pillows are nice, but they won't necessarily make your space feel warm and cozy. Blankets, on the other hand, can work wonders if you want to create a cozy, layered look in your space this autumn. Make sure you're bringing in the natural hues we talked about earlier, too. An orange blanket layered underneath a white knitted throw can create a wonderfully natural, warm look in any room of your home. And don't stop with throws on the sofa, either. Bring blankets into the bedroom and drape them over the backs of chairs, too. The more options you and your guests have to get cozy, the better.

Decorating your space for fall can be one of the most exciting parts of the year. And with these tips, you'll be well on your way to a stylish season in no time.

What Are Today's Homebuyers Looking For?

The real estate market is constantly changing, with trends coming and going and the needs of homebuyers always shifting. What was an amenity for a home one year could become a drawback for a home the next year. Whether you're looking to buy or sell a house this year, knowing what people are looking for in a home will only help your process. Read on to discover exactly what today's homebuyers are looking for.

Energy-Efficient Windows

Energy efficiency is a big draw for prospective homebuyers in almost all parts of the home. The windows, however, are the area that homebuyers have been focusing on recently. Now that construction has advanced so that its possible to build windows that don't leak air, significantly impacting how much air conditioning or heating you need to use, homebuyers expect that a house won't have drafty windows. As a home can be 30% more energy-efficient with just some insulation and caulking around the doors and windows, homes of any age can check this requirement off the list.

A home with Energy Star-qualified windows is even better for today's homebuyers. These windows have an invisible glass coating, vacuum-sealed spaces with inert gas in between the panes, improved framing materials, and sturdier weather stripping. These all reduce heat gain and loss in a home, which also helps reduce your energy bills. Those looking to build a home in Oregon should see if Energy Star windows are right for them.

Hardwood Floors

In decades past, it was common to build or remodel homes so that it had wall-to-wall carpeting. However, construction norms change. It also used to be common to use paint that had lead in it when building homes, with homes built between 1960 and 1977 having a 24% chance of containing lead-based paint. Gone are the days of lead-based paint and wall-to-wall carpeting. Now, no homeowner wants a house with lead-based paint and 83% of homebuyers want hardwood floors.

Hardwood floors are easier to maintain, more durable, and offer a cleaner look than carpet. All you need to do is refinish hardwood flooring periodically, while carpets need to be replaced every eight to 10 years. Hardwood floors also offer stylistic flexibility, as you can choose the type, size, and patterns of area rugs you want to add to various rooms.

Patio

A whopping 87% of homebuyers want a patio in their new home. A patio is a wonderful backyard feature that allows homeowners to have an easy-to-maintain outdoor living space. Patios also offer great versatility, as a homeowner can use it by putting a few chairs and a table on it or turn it into a luxurious outdoor kitchen.

A Walkable Neighborhood

Anyone who knows anything about real estate knows the importance of the property's location. A major aspect of the location that homebuyers look at is its walkability. About 56% of millennials and 46% of baby boomers prefer to live in neighborhoods that are more walkable. Not only does a walkable neighborhood help a family exercise easily, but it also makes them feel more connected to their community. Many homebuyers are now looking for a strong sense of community where they live and it's tough to have that sense when you can't easily navigate a neighborhood.

If you're preparing to enter the real estate market in one way or another, you have to know what is currently popular. Without up-to-date information, you run the risk of making decisions based on trends that are no longer relevant. Remember to always do your research so that you know what homebuyers are looking for before you dive into the market.

Tips for Buying a Home During the COVID-19 Summer in NYC

Buying a home in the Big Apple is a dream for many people. But as the COVID-19 pandemic rages on, you might be a little lost on where to begin. If you're currently part of the 13% to 20% of the population that moves each year and you're ready to settle in NYC, here are a few tips you'll need on your journey to purchasing your first home.

Work with a Local Real Estate Agent

Your real estate agent is going to be your best friend while you search for houses in NYC this summer. Not only are they up to date on the latest listings, but they can get a feel for your preferences and cater the homes they show you to them. In addition, an agent who lives near the area in which you'd like to buy a home will know all about the local scene and maybe even about some of the demographics and changes going on in that neighborhood. Another excellent reason to work with a local real estate agent is that they'll have a more comprehensive understanding of the market in the area of NYC you're shopping for a home in. Housing market behavior is an extremely localized metric, so the more information you can gather on the market in your chosen area, the better. And beyond that, almost 78% of recent buyers reported that their real estate agent was an incredibly useful source of information during their search for a home.

Get Preapproved for a Mortgage

While a mortgage is one of the basic staples of purchasing a home, it's a good idea to get preapproved if you plan on purchasing a home in NYC this summer. Unfortunately, a number of mortgage lenders have implemented stricter standards in the midst of the COVID-19 virus crisis. Some numbers to keep track of when you're trying to get preapproved for a mortgage include:

• Your credit score

• Your debt-to-income ratio

• Your down payment amount

These three values all play a pivotal role in determining whether you'll get a favorable home loan or not. And since there are plenty of other people who are applying for mortgages under the same strict set of standards, taking the time to get preapproved can help you stand out from the crowd. In addition, making an effort to get preapproved for a home loan allows you the opportunity to compare lender rates and decide which program will work best for you. If you're trying to shop smart when you buy a home in NYC, preapproval for a home loan is a definite must.

Prepare to Be Flexible

When a pandemic is wreaking havoc across the nation, the ability to be flexible in terms of when and how you look at potential candidates for your future home is an absolute must. Depending on where you're looking for a home and how long it's been on the market, you may need to participate in virtual tours of currently occupied homes. In addition, this might mean you won't be present during the home inspection, which can be an issue for a lot of potential buyers. But considering that the average home still takes about 65 days to sell, it's likely that you'll at least be able to tour a few empty homes during your search for a place to settle down. But beyond that, it's possible that there will be additional clauses you must agree to in order to protect your transaction. Local nad state mandates may also mean that looking for a home to purchase will look a bit different than it did at the close of 2019. As long as you're willing to remain flexible during your search for the perfect home in NYC, you should be fine.

Looking for a home can be stressful enough as it is. With new regulations and practices as a result of the pandemic, there's even more information to learn. But with the resources listed here, you should have an easier time finding a home that suits you in NYC.

Tips for Running a Business From Your Tiny NYC Apartment

Studies about entrepreneurship and startups agree on one big thing: just about everyone wants to be their own boss. There are 31 million entrepreneurs in the United States, according to Babson College, and that number grows every year!

Aspiring business owners cite their desire for a flexible work/life balance, greater financial independence, the freedom to follow their passion, and/or to make more money.

Whatever your reasons are, here are some concrete ways to make it happen and to get started right out of your tiny New York City apartment.

1. Determine The Legalities

With a full 67% of NYC residents renting their living spaces, it is important to know: Is it legal to start a business in my apartment? Are there any circumstances when it is not legal?

The good news is that in most circumstances, it is entirely legal to operate a business out of your NYC apartment. Professional offices, musical instruction, teaching (with limitations), and art studios are perfectly okay and completely within legal bounds. That opens up possibilities for quite a few careers.

Teaching more than four students or operating beauty salons and barber shops, real estate offices, veterinary medicine, stockbrokers, pharmacies, or kennels and stables is prohibited by law.

Further, zoning laws require an office or workspace to account for no more than 25% of your apartment. The maximum square footage allowed for your home office is 500 square feet -- a legal requirement that almost certainly will not be a problem for the average, tiny NYC apartment. Finally, you must use your home primarily as a home (not a business) and zoning ordinances prohibit "offensive noise, vibration, smoke, dust or other particulate matter, odorous matter, heat, humidity, glare, or other objectionable effects" during your day-to-day operations.

2. Designate An Office Or Workspace

Once you put in the research and ascertain that it is legal to start your particular business in your NYC apartment, it is time to designate a workspace! Simply put, you are not going to get much done working day after day on the couch.

A messy, nebulous workspace causes stress. "Clutter distracts us by drawing our attention away from what our focus should be on" and "constantly signals to our brains that our work is never done," according to Psychology Today. Designate a room to become your office, or -- failing that -- set up a corner of a room with your desk and all of your work things. Keep only work-related materials in that corner. Consider purchasing a room divider or another item to visually remind you that this corner is your workspace and only your workspace. In addition to clearing your mind to help you focus on work, a separate room or separate space will also help you transition from working to relaxing in and around your home.

Another thing to consider is noise -- as well as roommates or your spouse or partner. Currently, up to 5.5 million unmarried couples are living together in the U.S. If you count yourself among them, share your work schedule with your partner and come up with potential solutions about noise (a closed office door, earplugs, etc.).

3. Work Out Where To Meet With Other Employees

Generally speaking, it is impractical to meet with more than one employee in your tiny NYC apartment. Even then, the cramped conditions may distract from the project or projects at hand.

Determine a place to meet with one, two, or more employees. For small, short meetings, a coffee shop can work. If you are having a long meeting or a meeting with several employees, look into shared workspaces. Similarly, you may be able to rent a conference room for an important meeting, especially one that may require Zoom meetings or visual aids.

4. Don't Forget About Networking

It is important for new business owners -- and particularly those working out of tiny NYC apartments -- to take an active role in networking.

Build a network while working remotely by staying active on LinkedIn, attending virtual workshops and virtual events relevant to your line of work, and by seizing opportunities as they become available. For example, if someone asks you to interview you on their podcast or feature you in their blog or article, take them up on it. Whether they are looking for an authority figure about starting your own business or on a particular subject, agreeing to these opportunities means greater exposure for you and your business as well as a strong professional relationship with the party doing the interviewing.

5. Gather Materials And Discover Resources

Finally, gather what you need. This includes physical materials and objects and less tangible items. For example, if you are producing a particular product, gather all the materials you need to create those items. If you are doing office work, purchase a printer, pens, paper, and anything else you may need. Remember, your business will likely require less tangible resources, like increased internet speed and bandwidth. You may need to invest in web design, marketing, content creation, or service schedule software for virtual meetings and task management, like Monday.com or Zoom.

If you will be shipping products or documents and materials back and forth between clients and/or employees, consider shipping costs. Purchase packaging, shipping supplies, and determine the best way to determine and pay postage (whether online or in-person). In 2018, 13 billion packages were shipped in the U.S. alone. You do not want to skip this step!

Make sure to factor all of these materials into your budget. Markdown whether they are one-time or rare purchases (things like expensive electronics) or whether you will need to regularly re-order items to continue to do business.

The prospects for small businesses are not as grim as you might think. An impressive 50% make it five years or more, and your startup -- with its humble beginnings in your tiny NYC apartment -- can be the next to go the distance. Follow the guidelines above to get started.

COVID Vacation Cancellations: How to Deal With Disappointment and Plan For Future Trips

The coronavirus pandemic has had drastic effects on how we live, work, and socialize. And while the health risks of COVID-19 are probably your main concern right now, you might also be dealing with the fallout of business and school closures, event postponement, and even vacation cancellations.

It might seem frivolous to be focused on your inability to take a trip. But if you'd been saving up for an island getaway or a trip to the Happiest Place on Earth, having your plans canceled due to pandemic can make you feel angry, depressed, and helpless. You might be wondering how to pull yourself out of that rut or whether you can recoup any of the expenses from the trip you never got to enjoy. You may even be wondering when you'll be able to plan a post-pandemic vacation. Let's talk about why you shouldn't feel guilty for being disappointed or asking for a refund -- and how long you might need to wait before vacationing again.

Refund or No Refund: That is the Question

First, let's talk about whether you might be entitled to a refund for some of your travel expenses. According to a recent study, 82% of U.S. businesses that fail have cash flow problems. Not surprisingly, many Americans are experiencing cash flow problems of their own right now; while millions have been laid off, other business owners who are staying afloat are having to make major sacrifices and depend on government aid to do so.

As a result, any refund you can obtain will probably help your financial situation. It's best to wait until the date of your trip gets closer, as outright cancelations from an airline or hotel may result in a refund. You'll generally fare better if you personally aren't the one to initiate the cancellation. Rather than cancel out of fear, wait and see whether your reservations will be canceled by the carrier or hotel. You'll need to check the individual provider's policies and cross-reference them with FTC guidelines to make sure you're doing everything possible to get money back. It's helpful to know what these companies are required by law to do before making contact with them about your trip. The more you know, the better position you'll be in.

You might not get so lucky, however. Some companies may offer credits or reimbursements, which can be a way for these brands to stay afloat during this time. If that's the case, you might have to take what you can get. You might also want to check with your credit card company. Since the development of synthetic polymers exploded in the decades following 1940, we depend on plastic for everything from travel gear to the cards in our wallet. Your credit card company might actually offer some kind of cancellation coverage.

Although COVID-19 cancellations aren't covered by most travel insurance policies, you never know. Approximately one in six Colorado drivers operated their vehicles without insurance in 2012 -- and passengers who actually invest in travel insurance are even rarer. If that doesn't work, you might be able to request a discount from your travel provider for a future trip. That could come in handy if you're required to accept a credit or reimbursement.

One word of caution: remember that the person you talk to on the other end of the line is a human being who is likely very overwhelmed with the influx of angry callers. Although the situation is certainly frustrating, these individuals are doing the best they can in an unpredictable situation. Wait times may be long and answers may be dissatisfactory. Remind yourself that millions of others are experiencing the same issues and that customer service centers weren't set up for this kind of crisis. You may truly not be entitled to a refund, depending on the circumstances -- but a calm and kind attitude can go a long way in a stressful situation.

Cancellation Blues: You're Allowed to Feel Sad

Whether or not you're able to obtain any kind of refund, you're probably going to feel disappointed that your trip couldn't happen as you planned. You might have been looking forward to your getaway for months or saved up all your PTO to manage a long weekend away. Coupled with the fact that you can't go to restaurants, go shopping, or see your friends during this time, it's easy to feel down in the dumps.

You might even feel guilty about being depressed over your canceled trip. After all, thousands of Americans have died from coronavirus already. Millions have lost their jobs. Graduations and weddings have been canceled. Births have happened without the support of loved ones. Being upset over a canceled trip to the Maldives or to Disney World might seem trivial.

But while it's important to maintain a healthy sense of perspective, it's also okay to grieve over these canceled plans. In fact, it's probably the best thing you can do. Trying to deny and minimize those feelings will only make you feel worse. Yes, recognizing your privilege is important -- but so is mourning a trip you never got to take due to circumstances beyond your control. There will certainly be other vacations in the future, of course. Still, it's okay to give yourself time to be angry or sad. It's only natural.

Ready to Plan Ahead: How Soon is Too Soon?

Once you come to terms with the fact that your vacation won't be happening, you might be looking for a means of escape. Planning a vacation is one of the best things for your mental health; in fact, data has shown that the benefits you reap from the planning process can be more pronounced than the once you experience from the actual vacation itself.

But of course, you won't want to risk planning another vacation that's destined for cancellation. Although one survey found that 72% of Americans are already making plans for their next vacation, a separate survey found that nearly half of Americans have already canceled their summer travel plans for this year. In other words, it's probably not looking good to take a trip in July. Some experts are recommending that travelers wait until at least the fall and early winter of 2020. Others may urge individuals to wait until disease experts have given the all-clear and all aspects of the economy have opened up (and have stayed that way). It really depends on what you're comfortable with and how travel might be impacted at your departure and destination hub.

Speaking of, you'll probably want to stick closer to home for your post-pandemic vacay. Domestic trips are definitely going to be the better way to go, as we don't know what international travel will look like in the coming months. Some people are even choosing to drive, rather than fly, and to go to a more familiar location to gain more control in an uncertain situation. You'll also want to consider your lodgings and accommodations before you book. For example, you should explore cancellation and postponement policies and assess options for self-sufficiency (like an in-room kitchen and fridge so you can avoid a buffet or crowded restaurant). While businesses will likely be open again by that time, they might be dealing with limited capacity and will likely be taking more precautions than before. Find out as much as you can about your airline carrier, hotel, and other businesses you plan to visit before you book and ask questions about how they plan to keep visitors safe.

And if you don't yet feel comfortable planning your next vacation? That's okay, too. You might not feel financially confident enough or you might be dealing with major stresses at home or at home that could impede you from leaving any time soon. Many museums and other tourist attractions have made their offerings available online, so you can enjoy a little escape from the comfort of your own home whenever you need a break.

While a canceled trip is undoubtedly frustrating and upsetting, we can acknowledge that loss and keep the bigger picture in mind. Eventually, we'll be in a position to start traveling again. Until that time, it's important that we stay home and do everything we can to keep our families and our neighbors safe. The more effectively we do that, the better position we'll be in to get back to normal.

Using Your Tax Return on Your Home

The COVID-19 pandemic is not the only major event that working Americans should concern themselves with. Tax season is underway, and while the deadline is April 15th in most circumstances, it has been extended to July this year due to that pandemic. There has even been talk of a payroll tax cut to help business and households during this difficult time. Either way, if you have filed your taxes, you may have received some money, and you can invest it in your home if you so choose. If you have filed your taxes, you may have received some money, and you can invest it in your home if you so choose. If you need helping filing your taxes, you can speak to a credentialed tax expert online whether you're in New York City or anywhere else in the USA. If you are a business owner, you may have also undergone an audit, which can be done in more than one way. Perhaps the IRS audited you by mail, or you visit an IRS office in person, or a field audit is performed (the IRS visits your place of business) -- the three main types of tax audits. Assuming that you are in good financial shape, how can you put that money to good use?  

Fresh Plumbing

Your home has a number of utilities in it that must run smoothly, and that certainly includes water, both to receive fresh water from the public utility and sewage disposal. What might go wrong with your plumbing? Often, your pipes, sinks, and showerheads will develop leaks, and this dripping water will add up fast. If your shower head is leaking just 10 drips per minute, that calculates to 500 gallons per year (that's enough for 60 loads of dishes in a typical dishwasher). In fact, statistics suggest that all leaking American homes combined waste an incredible one trillion gallons of water per year. Leaking water will pad the water bill, and this loose water will stain the drywall, spur mold growth, and pool on the floor or in the basement. Also, old toilets, sinks, tubs, and showerheads are not water efficient, and are padding your water bill even if they aren't leaking.

So, you can spend some of your tax return money on a plumber who can diagnose and fix any issue with your plumbing, from a backed-up sink to a leaking bathtub faucet. A plumber will fix or replace any leaking pipe to prevent leaks or water sprays, and they can also recommend new showerheads, toilets, and tubs that are more water-efficient, and install them if asked to. Such new features are an up-front expense, but they pay for themselves over time with savings, and they look nice the whole time.

Improve Or Build A Home Office

Home offices have existed for years, but in light of the COVID-19 pandemic, they are taking on new significance. Some experts even say that home offices may become the new norm after the pandemic ends, and whether or not they're right, it may be a smart idea to invest your tax refund money this way anyway. Home offices are popular and practical for many reasons. For example, they don't require any commuting, so that saves you time and takes a car (and its air pollution) off the road. A regular office is also rather noisy and dirty, and the noises make it difficult to concentrate on phone calls while dirty air, carpets, and doorknobs contribute to sick day rates. You dodge all of that by working at home, where the environment is clean and quiet, but you will need to fully furnish that office first. If you couldn't afford that earlier, maybe you can now.

Current technology allows working professionals to conduct business anywhere, from their homes to a chartered jet to a hotel room, and you can easily take advantage of that. Designate a room to be your home office, and get the right furniture in place, from a computer desk and swivel chair to filing cabinets and shelf units, and set aside room for a printer or fax machine, too. You will need a PC or a laptop with good video chat services and a reliable internet connection, so you can send and receive files via email and Cloud data storage alike.

With a proper webcam and microphone, you can have a virtual presence in any meeting, and this saves a lot of time and money that would be spent on traveling somewhere in person for a meeting (and cuts down on pollution). You will need either a wireless adapter or an ethernet cable to connect your computer to your home's router and be sure your device is well connected to the printer and fax machine. Make use of binders and folders for printed documents and organize them, and ensure that your device has proper virus protection software. Virus protection programs do cost money, but that's worth it if you can shield your PC from viruses that try to steal, corrupt, or delete files and personal information of yours.

Kitchen Remodeling

Home remodeling is very skill-intensive and requires the hiring of a crew of contractors, and if you can afford this, then you can totally remake one or more rooms in your house to refresh the entire thing. About one in three home remodeling jobs includes the entire house, and the kitchen and master bathroom are popular targets for remodeling in particular. After all, a clean, fresh, and well-stocked kitchen is the perfect place for cooking and serving food (if you have no dining room), and remodelers can upgrade or replace just about anything you ask them to.

For example, you can spend your tax return money on workers who will sand down and refinish your cabinet doors, or replace them entirely. The old countertop can be removed and replaced with a tough, attractive model with no scratches or burns or stains on it, and you can hire plumbers to have a brand new sink installed, too. Flooring experts can remove old tiles and put down new ones, and your old appliances such as the stove or fridge can get replaced with clean, modern models that have more features. This is a good investment, too, since it boosts the property's value when you put it on the real estate market. Kitchen and master bathroom renovations can yield an ROI (return on investment) as high as 70-80%.

It may be tempting to spend your tax return money on a vacation or a new car, but if you redirect your money to your house, you can make it a much more practical and comfortable place to be, and that investment will pay off for years to come.

First-Time Home Buyer? Don't Start Your Search Without These 3 Tips

Preparing to purchase your very first home can be an exciting time, and for good reason. This is a step toward putting down roots, toward more financial stability, and maybe even a more serious phase in your current relationship. But before you get too ahead of yourself, make sure you're equipped with the right knowledge to make your first home purchase go off without a hitch. Here's what you need to know.

Know Your Market

It's easy to brush this off as part of your real estate agent's job. But truthfully, it's just as important for you to understand the market you're trying to make a purchase in. Say you lived in Hawaii and wanted a house in Maui. If you aren't aware that almost 45% of homes sold in Maui go to out-of-state buyers, you might go into your housing search unprepared for that complication. Even in markets that typically don't cater to vacation home buyers, there may be certain trends that could make or break your home buying experience. Looking at factors like the market demographics, past housing trends, and local institutions can give you a better idea of what kind of challenges you might face looking for homes in any particular area. If you're not sure where to begin, working with your real estate agent can help you get a better idea of what kind of market you're getting into.

Determine Your Budget

There's almost nothing more exciting than looking at beautiful homes. But before you get attached to the prettiest house on the block, you need to determine just how much house you can actually afford. This means determining how much you're willing to put forward as a down payment, as well as what your monthly budget will look like after you've made your purchase. And before you settle on an ideal monthly mortgage payment and move on, make sure you're leaving extra room in your monthly budget for things like HOA fees, taxes, insurance, and the like. Even security system services need to be factored in. When you consider that police respond to upwards of 38 million alarm activations annually, it might be something worth setting money aside for. Ideally, you want these things to take up no more than 25% of your monthly budget.

Ask the Right Questions

When you're touring different homes, asking questions is a must. But more than that, asking the right questions is a must. It's easy to ask about when the building was constructed and what the neighborhood is like, but that information won't tell you what kind of issues you could be inheriting with your purchase. As an example, almost 50% of homes in the DC area didn't sell the first time they were listed. Don't you think it would be beneficial to know why? Make sure to come in with a keen eye. Look for stains on the ceilings and floors, make note of any strange smells, and check different items for signs of disrepair. And if you're at a loss for questions, make sure you include the following:

• How long has this house been on the market?

• When was the roof last replaced?

• What is the reason for selling?

• What's the condition of the flooring under the carpets?

• How often has this property been sold?

When in doubt, make sure you're asking these questions during any house tour. They can give you some excellent insight into the condition of the house you're looking at. In addition, the answers might alert you to a hidden issue the previous owners didn't describe in the listing.

When you're purchasing your first home, it's important that you don't leave anything up to chance. Good research, great planning, and a willingness to ask some tough questions can help you make buying your first home a good experience.

What Is a Broker's Fee and Why Should NYC Apartment Hunters Be Concerned?

Living in New York City can be an expensive endeavor. The cost of living is among the highest in the nation. With an average of $3,000 a month on rent, this is far from cheap. For apartment seekers, finding an affordable yet nice apartment can seem like a fool’s errand.

Recently the Department of State issued a new guidance to help renters. For years, apartment seekers accepted the outrageous fees that come with living in this city. This new ruling has banned the ridiculously high fees incurred on searchers. The joy of this ruling was short-lived, however. Due to a legal challenge by the Real Estate Board of New York, the rule is in limbo. This now puts the apartment lookers in an awkward position. They may choose to hold off while the court case plays itself off, hoping that the rule is upheld.

The broker’s fee

A broker’s fee is a commission or finder’s fee for the real estate agent. Typically, this fee equates to 12 to 15% of the rent. Many residents have voiced displeasure with this added cost since it is unique to New York City. Few other cities have similar ordinances. This fee, along with the first month’s rent and a security deposit, can add up and place large financial burdens on the new tenant. The ruling, should it remain, would take the burden off the resident and onto the landlords themselves. For now, however, the potential tenants will have to pay the fee until the injunction is lifted.

Gray area

Renters may choose to bypass the middleman and look for the apartment themselves or search online. This can be a bit tricky as agents are not clearly defined, leaving some gray area. During a survey, Curb.com some renters claimed that they were pressured by landlords to sign an agreement naming a broker. For many renters, there is not much that they can do.

How will this new ruling work?

Many New Yorkers are optimistic that the court cases can work out in their favor. Even if it does, some express caution regarding it. If landlords are required to cover the broker’s fee, they could offset the cost by raising your rent.

There are numerous factors that go into apartment hunting such as, proximity to work, neighborhood, size, and more. If you have an apartment that checks most of the boxes, it might be difficult to abandon this apartment because of the raised rent prices. This is a very real possibility for apartments that aren’t rent-regulated. Many landlords already practice this by including it in their monthly rent. If the new rule takes effect, many fear that landlords could lobby the Rent Guidelines Board could raise the rent capacity.

Improving your apartment’s value

For renters looking to move, they can do a lot to help the next tenant and the landlord. Even simple home repairs and new amenities can increase your apartment’s value. Many homeowners invest in renovations. For example, a home’s value can jump up 150% by investing just a little on the property landscape.

The bathroom is another room that often needs renovations. Over 80% of homeowners admit to replacing bathroom features during the renovation process. These ideas can also apply to renters. Investing in your apartment will go a long way to secure that you receive your security deposit back. For landlords, it can help make the apartment look more appealing and attract more interest.

Communication

The tenant and landlord relationship can be a mixed bag. Some tenants complain about landlords who are nowhere to be found while others complain about those who are unnecessarily strict. Landlords often lament about tenants who cause problems or are back on their rent.

Open and honest communication between each other is essential. This is especially true before they move in. When a client is interested in an apartment, they should exchange phone numbers for quick and easy communication. Text messaging is extremely effective since they are opened and read at a 98% rate. People do not read their email nearly as often and sometimes they do not have the time to commit to a minutes-long phone call. Text messaging is a quick and easy form of communication and establishes a quality landlord-tenant relationship.

Alternative options

There are also movements and policies looking to help out renters. In a Slate.com interview, a broker mentioned an idea that had been circulating. Putting a cap on broker fees could be a win-win for all involved. The cap could be no more than one month’s rent. This way the renter could avoid a large financial burden, the landlord can easier fill an empty apartment and the broker will still get paid.

Whether the restraining order is lifted, or a new broker’s fee cap is implemented, apartment hunters face a lot of questions. There may be not much they can do, but research is definitely important. They should do their due diligence and decide what apartment may be best.

How to Spend More Time Outside in NYC This Spring

The great outdoors, for many people, means camping, hiking, climbing mountains, fishing, and other outdoor leisure activities that are not necessarily leisurely. Still, we yearn for the relief, the health benefits, and the joy of being outside. With 80% of Americans living in urban areas - in most cases far away from lakes, mountains, forests, and campgrounds - regular outdoor leisure activity seems only a remote possibility. But it doesn’t have to be that way, especially if you’re in New York City.

Benefits of Spending Time Outdoors

According to studies, spending time outdoors reduces the risk of a number of serious conditions and diseases. High blood pressure, type 2 diabetes, cardiovascular disease, and stress were all found to be reduced in study participants who spent significant amounts of time outdoors. These participants also reported greater overall health. In addition, spending time outdoors has social and intellectual benefits, and can save money otherwise spent on diversions that occur indoors.

Spending Time Outside in New York City

Getting some air every day is not a problem for New Yorkers: few populations commute by foot as regularly as New Yorkers do. But what about deliberate leisure time outdoors? New York’s arts, dining, and entertainment industries compete hard for the locals and visitors who pass through the five boroughs daily. It’s nearly impossible not to be seduced by the city’s theatres, galleries, museums, restaurants, and other attractions. But there are ways to get the very best of New York while getting as much of the outdoors as you need. Read on for some outdoor activities that are as good in New York as they are anywhere in the U.S.

Eating and Dining

If you’re pining for wine and fine dining, New York is the place for you. But that doesn’t have to mean a couple of hours inside Gramercy or Le Bernardin. Locals love lounging and dining high over the city in the evening spring air at one of the city’s many rooftop bars. Unbeatable views of the city and acclaimed chefs are regular features of these unique New York eateries. And, of course, many of New York’s most renowned restaurants offer alfresco dining on their sidewalk or courtyard patios: great for being outside, great for dining, and great for people-watching. More budget-friendly but equally as delightful are the many opportunities to have splendid spring picnics in New York City’s parks. From Central Park to Washington Square, dynamic and storied city parks abound in the Big Apple. Grassy, popular, and never out of style, New York’s parks offer necessary daylight and a little dose of dirt, which is good for you! Soil as in found in parks contains about 0.01% of the Earth’s supply of water. And each park is surrounded by some of the best street food, sandwich shops, delis, and pizzerias in the world. Take something to go, or fix your own favorites at home and pack them up for the park and a nifty New York picnic. Another popular way to get the best of fresh food and fresh air is to visit one of the many recurring street fairs which feature a treasure trove of food trucks, street vendors, and carts offering international foods of all kinds. Eat on the go, take your treasure to another outdoor destination, or linger trying everything available while shopping among the many varied vendors.

Shopping

Street fairs and flea markets offer far more than fine food, of course. From flowers and incense to jewelry and art, New York’s outdoor markets, bazaars, fairs, and flea markets have a little bit of everything and something for everyone. New York is one of the most diverse and international cities in the world, and it’s in the street markets that that is most evident. Handmade goods, imported goods, organic produce, and crafts beyond compare are all artfully displayed, reasonably priced, and fun just to wander by and gawk at. If you’re into antiques, these markets represent the best bargains. Outdoor flea markets and bazaars are legion: most New York City neighborhoods have one or more, sometimes seasonally. Spring is a great time for shopping outdoors in New York.

Bicycling

New Yorkers love bicycles. Many use them as a vital part of their transit or commute. Just 10 minutes of activity like cycling each day improves muscle distribution, flexibility, and cardiovascular fitness. Bicycling provides fresh air, sunlight, and a more intimate way to roam New York than other means of wheeled transportation. Bicycle tours are available to those wishing to learn more about the city while getting some great exercise and sun, whether you’re local or a visitor. There are vistas for the visual and new avenues for the adventurous, and even opportunities to cycle to work or other engagements. As any New York insider may tell you, the greatest advantage of using a bicycle for commuting around the city is that you don’t have to deal with parking. Cyclists also face less stressful traffic and spend a great deal less on fuel, car services, taxis, rideshare services, buses, and the subway. Why wouldn’t you cycle around New York City?

Outside of the City

New York City has one dynamic advantage that very few seem to appreciate: New York State! It really is the best of both worlds: within minutes of the city are delightful destinations for all of those things that city dwellers often consider remote: camping, hiking, climbing mountains, boating, swimming, boating, and fishing, among many others. Excellent choices exist for kids who grow weary of the limits of the city over breaks and vacations: recent surveys revealed that almost 12 million American kids counted fishing among their leisure activities. The state is rich with rivers and boasts a surprising number of lakes as well, and they’re great for a number of different kinds of fishing.

From the Country to the City

If you’re reading this in preparation for spring in New York as a local, a nearby visitor, a remote visitor, or a metro-dwelling frequent visitor, you may already be aware that New York is not just tall buildings, fantastic food, and marvelous museums. If you’re considering moving to New York and making sure you won’t be stuck inside all year round, you’re not alone. American homeowners move a lot: every six years or so, on average. And many of them move to New York. Still others own property in New York to occupy during the winter months, or they rent seasonally. Nearly two-thirds of New Yorkers rent, with the average rent being around $3,000 per month. Well worth it for the glories of the greatest city in the world - indoors and outdoors.

What Can You do in NYC During Winter?

Winter is one of the best times of year to take a trip to New York City. View festive decorations, sparkling white lights, and towering Christmas trees, all blanketed in snow. Consider these tips for the best possible romp in the city.

Keep It Festive

'Tis the Season! Make the most of it. There are quite a few holiday-inspired events taking place in the city this time of year. Delight in the season with the holiday-themed event that most appeals to you. If you have a playful streak, you may want to read up on NYC's infamous SantaCon. The event encourages participants to dress up in Santa suits--full Santa suits--and meet up at the bar. Then another bar. Then another. You get the idea. Check online for the route and participating restaurants, and remember full Santa gear is compulsory! A Santa hat alone will not do. If you prefer a much quieter night and you happen to be in the city during SantaCon, don't worry. There are bars and restaurants that ban SantaCon participants to ensure a more relaxed evening.

Other holiday-themed events include the Radio City Christmas Spectacular starring the world-famous Rockettes, and the lighting of the Rockefeller Center Christmas Tree. This year's tree is 77-feet tall, covered in five miles of twinkling Christmas lights, and lit from 5:30 to 11:30 p.m. until January 6, and one last night on January 7 from 5:30 to 9 p.m. The Rockettes offer shows after Christmas as well, with tickets on sale until January 5.

Cheers to Staying In, and Staying Warm!

Get out of the cold and taste the many flavors of New York City. There are several one-of-a-kind tasting experiences in the city, whether you prefer sampling food, tea, wine, or beer. Make it an experience with prohibition-themed beer and cocktail tastings, taking place inside the city's speakeasy-style bars. Indulge in your love for Asian cuisine with the Flushing Chinatown Food Tour. Taste Sichuan chicken, potstickers, tofu, lamb skewers, and more. Other tastings include sensory pairings bringing together taste, touch, and smell, mustard tastings, craft beer tastings, history-based cocktail-making lessons, and "temperance tastings," offering nonalcoholic options, like mocktails and fresh juice.

Go Ice Skating

New York City is in a great location for boating enthusiasts. Unfortunately for the 87 million U.S. men and women who take part in recreational boating every year, the winter is not the best time to do it. It is the perfect time for other outdoor pursuits, however--especially ice skating. The renowned Rink at Rockefeller Center is open to the public on a first-come, first-serve basis.

The Bank of America Winter Village at Bryant Park also offers ice skating during winter months. Bryant Park is less crowded than Rockefeller Center and allows patrons to reserve a time to skate. The Rink at Bryant Park offers additional activities and events, including broomball, an ice skating-based exercise program called Exerskate, ice skating lessons, park tours, game nights, Tai Chi, and yoga.

Travel Upstate

If you have been spending a little too much time in the city, you are probably well-aware that concrete is the most used man-made material in the world. Break things up a little, and plan a trip upstate to see luscious green fields and or the towering, snow-capped Catskills and the Adirondack Mountains. According to the U.S. National Library of Medicine (NLM), being in nature helps ease symptoms of depression and overall cognition. Get the mental boost you need by taking a day trip to see mountains, waterfalls, or the forest.

A quick word of caution: make sure your car or vehicle is up for the trip. There may be snow and ice on the roads, especially in less populated areas closest to some of the state's most breath-taking views. There are four basic types of off-road tires, including snow or winter tires, sand tires, mud terrain tires, and all-terrain tires. Obviously, snow tires are best. All-terrain tires may do in a pinch, but make sure to stow an emergency kit in your car just in case. Emergency kits should include cat litter (for traction), jumper cables, an insulated blanket, a snow brush, a flashlight, and batteries. A tool kit, first aid kit, charging cables, drinking water, and non-perishable food items, like trail mix and nuts are good things to have, too.  If you’re adventurous and are heading out on snowmobiles remember to take snowmobile cleaning products with you to keep the equipment in tip-top condition.

Put Your New Year's Resolutions To The Test

New year, new you? The city has some pretty crazy ways to put your inspirational New Year's resolutions to the test! One of the most iconic races in the world takes place in New York City. According to the attraction's official website, "The Empire State Building Run-Up (ESBRU) challenges runners from around the globe to race up its famed 86 flights--1,576 stairs." If you think you can tackle the building's 1,576 stairs and one-fifth of a mile vertical distance, register for the event's lottery. Media, elite athletes, celebrities, the New York Police Department (NYPD), the Fire Department of the City of New York (FDNY), and participants chosen through the lottery participate in the event every year.

Another winter-themed event that may help you jump start your resolutions is the Coney Island Polar Bear Club's annual New Year's Day plunge. The event is free with an optional donation. Donations raised will go to causes supporting local youth and environmental preservation efforts. It will be cold! The event website recommends bringing warm clothes to change into, towels to dry off, and old boots or sneakers to keep your feet warm. The same organization hosts group swimming events in the Atlantic Ocean from November through April.

Winter is a great time to visit the city. Enjoy all that New York City has to offer and then some--with thrilling, winter-specific events. Choose from holiday-themed wonders, tastings to bring our your inner foodie, ice skating, and upstate day trips for the best possible wintertime experience in NYC. Work off some of the weight from your tastings with a chilling polar plunge or a daring race up the steps of the Empire State Building.

Visiting NYC this Winter? Here's How to Avoid Getting Sick

When traveling on vacation, your chances of getting sick increase. Being in a new environment surrounded by lots more people can expose you to more bacteria and germs. People in the United States get approximately one billion colds every year. If you don’t have a plan of attack, you could end up spending your vacation time cooped up in bed rather than exploring all the sights. Here are ten tips on how to avoid getting sick when visiting New York City this winter.

Be Careful What You Eat

New York City is a food mecca of gourmet cuisines and street vendors. If you overeat, you will wind up getting sick and not be able to truly enjoy your vacation. Be wary of street vendors. You don’t know how fresh the food is. If it’s been sitting out all day, you could get food poisoning and end up spending your time in the emergency room.

Do your best to eat like you would if you were at home. Avoid junk food that doesn’t provide you with the nutrients you need to stay healthy. Limit the introduction of new foods that you have never tried before so that your body can have time to get used to it.

Get More Rest

Just because NYC boasts itself as the city that never sleeps, it’s not a good idea for you to adopt the same philosophy. Your body needs at least 8 to 10 hours of sleep each night to function properly. You’ll help boost your immune system to fight germs and bacteria from getting you sick. The city can be a bit noisy at night which can keep you awake if you’re sensitive to noise. Consider investing in earplugs, sleep medication, or a sound machine to help you drown out all the bustling activity.

Practice Proper Hand Washing

Wash your hands frequently using plenty of soap and water, especially after meals and trips to the restroom. Dry off your hands with paper towels or a high-speed Dyson hand dryer to avoid spreading germs back onto your hands. Use hand sanitizer when you don’t have access to soap and water. If you are visiting family members who have small children, you may want to consider washing and sanitizing your hands more often. Approximately 87% of five-year-olds are enrolled in pre-primary programs in the United States. If your nieces, nephews, and cousins are a part of that population, they could be carrying tons of bacteria from school.

Drink More Water

Keeping hydrated by drinking plenty of water can help prevent you from becoming sick. Since our body is made up of mostly water, it’s important to replenish our organs to keep them functioning properly. Carry bottled water with you at all times to help you avoid the risk of developing diarrhea from drinking tap water that carries bacteria you aren’t used to.

Take Supplements

Taking vitamin and mineral supplements can help prevent you from getting sick. Vitamins A, C, and D can boost your immune system. Probiotics can reduce the number of bacteria that can cause illness from wreaking havoc. Adding supplements to a healthy diet rich in fiber will give your stomach the ability to fight off unhealthy bacteria so you can spend more time enjoying your new experiences.

Get Your Flu Shot

According to the CDC, there have been at least 710,000M flu-related hospitalizations since 2010. One of the best ways to avoid getting sick is to prevent it from happening in the first place. Before going to New York City, make an appointment with your doctor for a checkup and to get your flu shot and any other necessary vaccinations.

Protect Your Eyes

To avoid getting sick, do your best to keep your hands away from your face, especially your eyes. This will help prevent germs on any surfaces you touch from entering your body. If you must touch your face for any reason, use facial tissues to provide a barrier.

Avoid Alcohol and Cigarettes

Drinking and smoking can both cause dehydration, which increases your chances of getting sick. Cigarettes can make your cold and flu symptoms last even longer. Alcohol can also prevent you from getting a good night’s sleep, which can weaken your immune system. Eliminating these two activities can help keep you healthier so you can focus on enjoying your stay.

Don’t Forget Your Exercise Routine

Just because you are on vacation doesn’t mean you can skimp on your workouts. Exercise can help prevent respiratory tract infections from developing as well as shortening their duration. Keep your exercise routine the same as if you were home. If you don’t normally exercise, do as much walking around the city as possible while you are on vacation. Not only will you be able to better take in the sights, but you’ll keep yourself healthier as well!

Keep Insurance Documents Handy

If you do need to go to the hospital or urgent care center because you’re sick, you’ll want to keep your health insurance documents handy in a safe place where you won’t lose them. The Gartner Group estimates that around 15% of all paper documents get misplaced and 7.5% of them get lost completely. When you are on vacation, you can easily forget where you put your health insurance cards. Designate a specific place for these documents where you can easily access them if you need them.

Before you travel, it’s a good idea to check with your insurance company about what providers in New York City are covered under your plan. Make a list of contact information for these providers and keep it in your smartphone for easy access. That way, you can seek treatment and shorten the duration of your illness should you get sick during your visit.

You’ve probably looked forward to this trip for a long time now. Getting sick would ruin all your fun plans and you definitely don’t want that. If you can keep yourself protected, you can truly enjoy everything the Big Apple has to offer. Following these ten tips will help you avoid getting sick when visiting New York City this winter.