Apartments for Low Income

Questions and Answers

Your Questions About Cheapest Apartments In America

August 2, 2013

Jenny asks…

how can I develop an Australian accent easy 10 points?

so also can I ask you guys a favor im gonna ask a few more questions first thing is im American and im moving to Melbourne this winter or summer since its gonna be summer in Australia . are the rumors of being a lot of people dying by poisonous animals true,and so is their any Australians shows I can watch to get an Australian accent or anything its just so I can fit in better also im Italian and Hispanic irish are there a lot of Italians in Melbourne. Is Melbourne a good city and im also thinking of buying a dog in Australia maybe a beagel do aussies love dogs also do aussies like americans also can you guys be kind enough to tell me an area in Melbourne that has cheap apartments im gonna work as a bar tender and gonna study to be a teacher also is it hard to drive on the left side just wondering since im right handed thanks and excuse the spelling and punctuation im using a crappy laptop and the screen is cracked and the keyboards are broken . also ive heard rumors that americans in Australia like to act full of themselves and like to brag about America im not like that im willing to embrace aussie culture.
lol sketchy.
lol sketchy.

Administrator answers:

I think the only way to change your accent is over time. Watch shows like Home and Away, or Neighbours (if you have access to them) if you really want to, but they are soap operas and very boring to watch most of the time.
Poisonous animal deaths are very rare these days, unless you are planning to stick your finger inside a spider’s web, or chase a snake through the bush (which there isn’t much of in Melbourne anyway!)
We are a very multicultural country, and there are a lot of Italians in Melbourne, so you’ll fit in just fine.
Melbourne is a pretty good city to live in, since it’s one of the cleanest “big” cities in the country.
I personally love dogs, but it depends on who you are speaking to. And I really like Beagles!
A lot of people I know get annoyed by American tourists, because you are right: they do brag about being American, and are generally rude people. As long as you’re not rude to anyone, I think you’ll get along fine.
The Northern parts of the city are the cheapest areas to rent a place, and are relatively safe as well. The closer you get the the CBD, the more the rent increases.
It’s not difficult to drive on the left side of the road, but that may be just because that’s the way I was raised to drive. Most people get used to it over time.

Joseph asks…

Can I live on student loans alone?

Im 29 and have never been to college. I lost my job last August and my state unemployment benefits were denied. I’ve been looking for a job but have had NO luck in the current market.

Can I attend school full time and use student loans to pay the bills? I need to pay rent, a car payment and utilities. I live alone with no kids ..

Administrator answers:


Honestly? Probably not.

Your eligibility for financial aid is based on the Cost of Attendance at your school. The government won’t award you financial aid that will exceed the cost of attendance, and any educational borrowing is limited to the amount of your unmet need – which is the difference between that cost of attendance amount, and the sum of the financial aid (plus personal funds) that have already been credited to your account.

Cost of Attendance is an important financial aid term. Every school has its own Cost of Attendance estimate – in fact, most schools have several (one for state residents, one for non-residents, ones for students who live on campus, ones for students who live off campus with family and ones for students who live off campus on their own).

The Cost of Attendance is your school’s estimate (and they research this) of how much it should cost an average student “like you” to attend this school.

A standard COA estimate includes tuition, school fees, books, room and board, school supplies, and other miscellaneous educational expenses. These miscellaneous expenses usually represent things like gas money or bus fare, and a computer allowance. If you had young children, your school would probably allow you an extra “miscellaneous” allowance for child care.

Because your financial aid (including loans) is only intended to provide for the expenses that fall under the Cost of Attendance definition, you won’t be eligible for enough financing to include your car payment and your utilities. Your ‘room and board’ allowance will be based on what a typical off-campus college student would pay – think “cheap apartment, shared by several people”.

One other very important concern – the school financing picture has probably shifted dramatically since you first thought of going to school, a few years back. It used to be pretty much par-for-the-course that college students went to lenders and took out big dollar educational loans. You’d hear about some guy who borrowed $25,000 from Sallie Mae or $30,000 from Astrive.

Unfortunately (but fortunately, in other ways), those days are over – the banking and lending crisis tore the educational lending market apart. Companies like Astrive are no longer in the student lending business – neither is Bank of America, the largest banking institution in the United States. A few lenders still make student loans (not many), but it’s next to impossible for a student to qualify for a loan of their own. At the very least, most students will be required to provide a very highly creditworthy cosigner.

For you, that means that your borrowing eligibility is pretty much going to come down to the federal government’s Stafford lending program. The Stafford is an absolutely fantastic program, but there’s an annual borrowing limit. As an independent first year student, you’ll be permitted to borrow no more than $9500 – there are no special exceptions.

Given that you’re unemployed, you may qualify for other forms of financial aid – I can not tell you for sure, because the simple act of being unemployed doesn’t determine your aid eligibility. The Free Application for Federal Student Aid is more than 100 questions long, and almost every single one of those questions collects information that is critical to the determination of your aid eligibility.

A very generous financial aid offer (including that $9500 Stafford loan) might provide you with something in the neighborhood of $15,000, give a take a thousand or two. I know that looks pretty attractive, but not when you think about the cost of school.

Perhaps – if you consider a community college, you will be able to scrimp and cut corners, and manage it all on $15,000 or $17,000. I guess that would depend on your apartment rent, your car loan, and your other bills and responsibilities. If you can find even a part-time job, that makes the balancing act a little more do-able.

I wish you the very, very best of luck – I think your plan to improve your prospects with more education is a wise and noble one.

William asks…

If wal-mart started an apartment complex business, would u live in it?

think about, groceries, babies for free, cheap junk food, doc appointments and u live right next to it?

How would they look like?

Administrator answers:

Hell no, I think wal-mart is the biggest piece of crap america has. All they do is sell crap from over seas which doesnt help our economy and they pay their help about 50 cents an hour

Helen asks…

I got a job in trinidad and tobago, tell me about that country?

tell me about foods, safety, climate, and living cost

Administrator answers:

I am an Ex-Pat living in Trinidad.
The food is fantastic. Plenty to choose from, and bad meals are few and far between. Doubles and Roti are popular, so is BBQ food. Eating at street vendors is fun and very economical, often nearly as cheap as cooking for yourself. Going to North American style restaurants can get expensive quickly though. There is a fantastic beverage industry, both alcoholic and non.

Safety is a constant concern. 99% of the people are really great people who are always helpful and considerate, but there is a persistent criminal element that you must ALWAYS be watching for. Keep your common sense with you at all time, and chances are you will be fine. Never be afraid to ask questions when going somewhere unfamiliar. When going to places unfamiliar, try to do so with a group.

The temperature can get quite warm in the days (32-36C is normal). The evenings usually get to a low of around 24C. There is a wet season and dry season. The dry season is from December to May, the wet season is from June to November, but variations of several months seem to be common. Trinidad is currently going through it’s worst drought since the 1940′s though, so be prepared for water outages, smoke from wild fires and plenty of brown vegetation.

Living cost is similar to large centers in North America. Furnished apartments in Port of Spain START at around $1000USD per month and go up (way up) from there. Being an ex-pat, you will likely want something with security, and a pool. Cars are more expensive here to purchase, but if you shop around you can get a deal. Gas is subsidized by the government, so a sedan’s tank can usually be filled for $100TT ($18US). The cost of food depends on what you buy. Buying products made locally is very economical, Trinidad does a diverse food manufacturing industry. Buying imported foods will obviously cost much more.

Michael asks…

What can we do as a society about our ridiculous natural gas prices????

Administrator answers:

Move away from natural gas as a source of power (many eletric plants are being converted to natural gas as it burns cleaner than coal and was very cheap until recently). Use geothermic energy to heat many of our buildings, stop building one story buildings (Schools, Wal-Marts etc)(By building upwards, the heat loss is less than building outwards as there is less contact with the outside as well as heat rises heating the upper floors), support alternative energy sources (Xcel Energy has a program where you pay for the cost of producing wind energy versus their other sources making wind more desirable), find ways to limit southern growth (air conditioning is the main reason for the boom in the south and southwest, by keeping people in the north, natural gas will not be diverted from heating to energy production in southern states), turn your thermostat down at your work, home, school, etc(During the 70′s energy crisis these places were commonly set at 65, now 68-72, the extra heat needed to stay at that temperature would decrease the demand for natural gas thus decreasing the prices as well), buy a hybrid/electric car or better yet take mass transit, and last but not least, halt the suburbanization of America (the number of single family homes in the US has grown tremendously, if people sacrificed space(land and House) energy costs could be reduced by living in an apartment or a duplex as again the heat loss of multiunits is less than single as less interaction with outside air(homes have grown from an average of 1,500 sq feet to over 2,500 in the last 20 years, that is 2/3 of the old house that has to be heated on top of what as already there.))

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