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Do Your Homework
Do your research on rentals in the building, on the block and in the neighborhood to make sure the renewal price your landlord is offering is fair and in line with the current market. Leverage that data in conversations with your landlord.
Moving is not cheap. Calculate how much it will cost you to move, factoring in a moving van, a broker fee and other associated costs. Then calculate the increase over the course of the year and decide whether or not you’ll come out ahead if you stay or if you go.
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Rents Going Up
Rents are going up, but brokers insist that negotiations are still possible, even in a competitive market.
Call your landlord at least three months before the lease expires and ask whether the rent will be going up. This will give you time to negotiate and consider your options.
...
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Playing To Your Strengths
Vacancies cost landlords money — they lose rent while they clean, paint, repair and show the apartment. And they may have to pay the broker’s fee, too. A new tenant might be noisy or not pay on time. Point out these risks, and ask for a compromise.
Perhaps you could shave $100 a month off t...
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How do I calculate my taxes?
If you've bought crypto, HODLed, and sold it later, your tax liability should be fairly easy to calculate. Let's look at a simplified, US-based example.
Here's the formula:
- Fair market value - Cost basis = Capital gain / Loss
- The...
Opportunity Cost: You Can Do Anything but Not Everything
When mulling over multiple choices, the quality of any option cannot be assessed in isolation from its alternatives. The price you pay (or the sacrifice you make, or the benefits you give up) for doing what you’ve chosen to do instead of doing something else is the opportunity cost.
Keep Your Losses Manageable
- Never buy a stock just because it is "cheap" or has a low P/ E. (Price-Earning Ratio)
- The key to making a lot of money is not losing a lot of money in the process.
- Keep your losses small and manageable, especially while you are still in the learning phase. It’s OK to...
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