102220 Housing Guide

A product of The Daily Toreador

Inside:

Importance of renters insurance Page 2

Perfect plants for residence halls Page 8

Tips on being a good neighbor Page 10

Items you may need Page 5

2B OCT. 22, 2020

HOUSING GUIDE

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Renters insurance offers coverage for personal belongings, liabilities Story By Adán Rubio The Daily Toreador Keeping belongings safe is one worry people have as they move into a new apartment or other residence. To alleviate this worry, renters insurance can be an option people consider.

Providing coverage for a policyholder’s belongings, liabilities and possibly living expenses are some features of renters insurance, according to the Investopedia website. Whether a person is renting or subletting a single-family home, apartment, duplex, condo, studio, loft or townhouse, he or she could take advantage of renters insurance.

Michael Guillemette, assistant professor in the Texas Tech Department of Personal Financial Planning, said renters insurance, also known as an HO4 policy, can cover a person’s belongings amid certain situations, such as apartment fires, acts of vandalism, theft and water overflow.

“It covers most things that (policy holders) would be worried about in regards to property damage,” he said.

For renters insurance, Guillemette said there might be a small deductible, which is what an individual pays before the insurance kicks in.

Having renters insurance can provide peace of mind with the possibility of items getting stolen or any unexpected loss of belongings, Guillemette said. This can be beneficial for people, especially college students who may not have a lot of money to spend in the event of an emergency.

“If you’re living on campus or you’re in an apartment complex off campus, odds are you’re going to want some HO4 coverage or renters coverage,” he said.

“Again, not only for the property piece of it but the liability piece of it as well.”

Liability insurance being included in renters insurance is another benefit, Guillemette said. If some-

one at the residence gets hurt, the insurance can cover medical expenses.

Some people do not focus much on maxing out medical payment coverage or liability coverage on those insurance policies, Guillemette said.

Someone getting hurt at one’s residence is the biggest risk, Guillemette said. Even getting one’s belongings stolen is not the biggest loss a policyholder could face.

“It’s not nearly as financially devastating as if someone were to get hurt on your premises or if they were to sue you,” he said. “That type of potential loss is much more catastrophic.”

Regardless of the different types of coverage renters insurance provides, obtaining coverage may be a step in the process people do not know about when settling into a new place.

Assessing one’s insurance needs is another key step to obtaining renters insurance, according to Investopedia.

This consists of taking photos or video of belongings and writing down any serial numbers for expensive items. A person can enter the estimated value of their items in a spreadsheet for future reference.

Despite the extra work one must do to complete this step, this part of the process is encouraged, according to Investopedia. This step allows people to get a better picture about how much their belongings are worth and can give a person documentation that could be used to file a claim.

The next step in the process is selecting an insurance company to that offers a good renters insurance policy, according to Investopedia.

Kirby Jacobson, CEO and founder of Jacobson Wealth Management and a certified financial planner, said doing online research on different insurance providers is one of the first steps.

“You can certainly shop around the policies and fig-

ure out what’s the best policy for you since costs can be a bit different from carrier to carrier,” he said. “But there are also what are called insurance brokers that can work with many different providers and help place coverage.”

Since there are many options for insurance providers and students could face uncertainty when searching, Jacobson said it is a good idea to ask a family member or friend for insurance provider recommendations.

“If they got someone that they’ve worked with over the years that has done a great job and has good policies or premiums, it certainly doesn’t hurt to ask around on that standpoint too,” he said.

Doing research is necessary for any personal financial planning endeavor, especially obtaining renters insurance, Jacobson said.

Before getting a policy, there are different considerations someone should make about the property in which he or she will live.

For example, Jacobson said if a property is on a floodplain, renters insurance may not cover damage related to flooding.

After selecting an insurance company, a person should start an application, which will be simple to complete, then fine-tune the policy to determine the best aspects that are right for them, according to Investopedia.

The final step is paying for the renters insurance, which typically is inexpensive, according to Investopedia. Once a person gets the policy in the mail, they should read it and be sure to understand each aspect.

Regardless, the need for renters insurance may be prominent among college students wanting to rent an apartment.

Ansleigh Brister, a junior personal financial planning major from Livingston and president of the Tech Personal Financial Planning Asso-

ciation, said understanding affordability is necessary for students wanting to obtain renters insurance.

“Unfortunately, if you can’t afford a premium, then you can’t afford renters insurance,” she said.

To purchase a more affordable renters insurance policy, Brister said some students go for a higher deductible.

“The reason deductibles come into play and why they’re important in discussing affordability of renters insurance is the higher deductible you have, the cheaper your premiums are,” she said.

In addition to deductibles, Brister said students may need to know how much cash flow they have.

“They need to consider how much monthly cash flow they can dedicate toward renters insurance,” she said, “and if it’s on the higher end, have a lower deductible. On the lower end, they need to have a higher deductible.”

Along with these considerations, knowing what one wants to cover with renters insurance may be another preparation before getting a policy.

Before getting renters insurance, Jacobson said people should consider which of

their belongings are valuable and need some form of coverage.

“Start by making a list of what it is that you have and if there’s approximate values you can assign to it, then have that ready because that will help in the process of getting insurance and how much you might need,” Jacobson said.

Renters insurance is meant to cover major loss, not small mishaps, Jacobson said.

“It’s important to put some thought into what you have and evaluate what kind of coverage is appropriate for you,” he said.

Budgeting integral to on-, off-campus living choices Story By Chase Seabolt The Daily Toreador Whether someone is living on or off campus, budgeting is a skill students may need to know.

Vickie Hampton, chair of the Texas Tech Personal Financial Planning Department, said budgeting is a spending plan.

Budgeting helps people use the money they have in the way they want to use it, Hampton said. Budgeting also allows people to see the resources they have while helping them meet their financial goals.

Living on campus is a fixed expense. It requires fewer travel expenses and less financial responsibility, which helps students not to have to budget as much, Hampton said.

There are a greater number of smaller expenses, such as gas used to get to campus, cable, electricity, water and internet for students living off campus, Hampton said. It’s smart for a student to find an apartment that best suits their needs financially to help them budget better.

“When moving off campus there is a one-time front-end cost in things such as rent and bills, she said. “But, the smaller expenses all are ongoing costs, which vary through time.”

People should think about how the variable expenses could affect income and budget month to month, Hampton said.

Students should keep track of what they spend.

“The most important part is keeping track of what you’re spending,” Hampton said. “You have the realization at the end of the month that there is nothing left, but you don’t know why.”

Students also should track income, especially if

they have a job with a variable income, Hampton said.

When a student is looking for a place to live off campus, they should identify their needs, Hampton said. Some students needs are different than others.

“A list of needs and a list of wants is the best place to start,” she said. “Then go out and see what you can afford.”

A student doesn’t always have to choose the least expensive option, Hampton said. But, they want their money to provide them with the best life possible.

Some students may not have the highest concern for where they live, she said. Some may not care if their house or apartment is fancy and may just want a roof over their head, while others prefer luxurious living situations.

“The goal should be to live within our budget and realize the tradeoffs,” she said. “Because if you are spending money on your house and you’re not really enjoying that, you’re giving up something you would enjoy more.”

Another aspect to budgets is recurring expenses, such as car payments and subscriptions.

Hampton said managing subscriptions will be the biggest challenge for students trying to create a budget.

“Everyone now is doing a lot more of the subscriptions,” she said. “It’s just a little bit of money, so we don’t really think about it.”

Landon Deal, a financial advocate with Tech Red to Black peer financial coaching, said having a budget is important.

“Just like anything you do in life, you want to have a good plan going into it,” he said. “By having a budget it allows you to map out a plan.”

Deal said when he moved off campus the most unplanned expense that came up was having people deliver furniture. Not having a truck or a larger vehicle made it hard for him to move furniture.

“When moving, whether on or off campus, there’s going to be expenses that pop up that you don’t have planned,” he said.

Once a student has been budgeting for a good amount of time, they may begin to memorize their monthly budget.

“But if I have a goal I want to achieve, I will kind of tweak my budget,” Deal said.

For instance, if a student wants to save $90 over the next three months, he said, they could adjust their budget to be saving $30 extra per month to meet their goal.

A common option for students besides cable are streaming services such as Netflix and Hulu.

“For streaming services, I look at that as a fixed expense,” Deal said. “Meaning that it is never going to change.”

Variable expenses, such as gas and groceries, will change each month, he said making it harder to create an effective budget.

“Budgeting is not as hard as students may make it out to be,” he said. “There are apps out there that almost make it like a game.”

People can get more assistance via CashCourse, which is an online money management tool that provides education courses, articles and more, according to their website.

For more information on CashCourse, which all Tech students are eligible to use for free, or Red to Black and the services it offers, visit depts.ttu.edu/R2B or email RedToBlack@ttu.edu.

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3B

University Student Housing provides on-campus living opportunities Sponsored Content Living on campus will be one of your most memorable college experiences.

You will develop life-long friendships and many fond memories of your time living in the residence halls.

University Student Housing strives to make your time living on campus fun, enjoyable and convenient so you can concentrate on school.

University Student Housing works to make sure the residence halls stay clean, comfortable and a place that is easy to call home. Residence Life staff members are available 24/7 to assist you. Programs and activities are planned in each hall throughout the year.

There are opportunities to get involved in student organizations like the Residence Halls Association, Social Justice Committee and much more. All of the residence halls have free Wi-Fi

Photos courtesy of University Student Housing

With residence halls located across campus, including the Honors Hall near the Rawls College of Business Administration, choosing a room that fits your needs and schedule never has been easier. Living on campus provides easy access to classes and campus amenities and students who live on campus have higher GPAs than students who live off campus, and Learning Communities are available to all on-campus residents. Sign-ups for next year begin in early November. throughout the buildings.

Residents also have free basic cable plus Showtime.

Limitless laundry rooms make it easy to do laundry without the hassle of coins.

Living on campus makes going to school much easier.

Research shows that students who live on campus

have higher GPAs than those who live off campus.

Residents on campus have access to free tutoring in the residence halls. Study areas in the halls make it easy to form study groups.

Visit housing.ttu.edu for a complete list of subjects, times and locations.

Learning Communities are a great way to get more involved in your field of study or interest. University Student Housing offers a variety of Learning Communities for special interests and studies.

As a student living in a Learning Community, you

have vast opportunities for growth and networking in your field of study or interest. Visit housing.ttu.edu/ learningcommunities for a complete list of the Learning Communities offered.

Now is a great time to sign up to live on campus for 2021-2022. And great

news: There will be no rate increase for 2021-2022.

Still have some questions? Come to the University Student Housing Welcome Center and take a tour today. Take a look at the pictures online at housing. ttu.edu and sign up to live on campus for 2021-2022.

Students, Housing staff weigh pros, cons of friend vs. random roommates Story By Amanda Hampton The Daily Toreador When thinking about living with roommates in college, people may be struggling to decide whether to find friends to live with or to take a chance on random roommates and what factors should determine the decision.

D’aun Green, University Student Housing associate managing director, said there are multiple advantages and disadvantages to living with random roommates as well as living with friends.

The first benefit of living with a random roommate is it allows students to meet new people and branch out, Green said.

It is easier to establish friendships when roommates can become friends with each other’s friends.

“It gives people an opportunity to live with somebody who’s maybe very different from them and that’s always a good way to learn new things about different people,” Green said.

One disadvantage of having a random roommate is not knowing their living habits, Green said.

Leann Sandridge, a senior biochemistry major from Amarillo, said when she had a random roommate, it was difficult balancing different living habits.

“You don’t know their living tendencies,” Sandridge said, “so that may clash

with how you live.”

There also are pros and cons to rooming with a friend, Green said. Not having to worry about going into college not knowing anyone is the first advantage, but can come with some disadvantages.

“First of all, you have already made friends when you come to college, and you have someone you know and trust,” Green said.

However, there can be tension between roommates, even if they were friends first, Green said.

“People who have been friends forever come in as roommates and end up hating each other because having someone as a friend is very different from living with them

24/7,” Green said.

The decision can be especially challenging for students when they have preconceived ideas of what it will be like to be roommates with their friend, Green said. Sometimes their expectations are not met, or something changes because of their new environment.

“People come to college and they change sometimes,” Green said. “And sometimes that change is difficult to manage if you have a perception of how someone’s going to be.”

Sean Duggan, University Student Housing managing director, said another con of living with a friend is becoming too comfortable with them.

“It limits your willingness to go out and meet other people,” Duggan said. “People think, ‘oh, well, this is my friend.

I’ve got my friend group. I don’t need to branch out.’”

For students navigating the pros and cons of random roommates vs. living with a friend, it helps to base the decision on their personality, Duggan said.

“If you are a person that is someone who is flexible, they are adaptable and resilient and going to make the best of the situation,” Green said. “I think that person is just absolutely ready for random roommates.”

People prepared for random roommates usually are interested in

learning new ideas and have the desire to know someone who is not exactly like them, Green said. On the other hand, if a student needs to room with someone with similar living tendencies, they probably are better off rooming with a person they already know.

Overall, it is important for students not to pressure themselves to make a perfect roommate decision, Green said.

“The great thing about our system is if for some reason it doesn’t work out, typically, as long as we have space, you can move around and find somebody that you really do connect with and want to live with,” Green said.

4B OCT. 22, 2020

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The Bloc features rooftop lounge, designer furnishings Sponsored Content The Bloc is the premier student housing property in the Overton District for Texas Tech students.

Choose between a townhome or a manor flat; threeand four-bedroom apartment homes are available.

Regardless of which style you choose you’ll enjoy a fully furnished private bedroom and bathroom.

Enjoy blazing-fast Wi-Fi, large HD TVs, valet trash service and Amazon Echoes in every unit. Utilities are included.

Our community amenities include Lubbock’s only rooftop lounge; a resort-style pool waterfall and barbecue areas with three covered grills; a large social pavilion space; a technology center with free printing, four Macs and four PCs; a Starbucks coffee bar; a 24-hour fitness center; large dog park; and private study rooms.

We’re located just a few minutes from Tech on the campus bus route.

Amenities include premium designer-furnished bedrooms and living rooms; bedroom ceiling fans; premium cable TV (included); loft beds with pillow-top mattresses and storage space; fully furnished stainless-steel appliance packages; and washers and dryers.

Technology at The Bloc includes 1 GB wired and wireless service throughout the property; electronic key

access; video intercom with iOS- and Android-compatible apps; front entrance touch screens; and an ondemand fitness center.

The Bloc also offers individual liability leasing, allinclusive rental packages and roommate matching.

For more details or to apply now, visit livethebloc. com/about-us.

Photos courtesy of The Bloc

At The Bloc, bedrooms are fully furnished and private and each features its own private bathroom. The community’s three- and four-bedroom apartments are townhome-style or manor-style flats. Located in the Overton District just east of campus, The Bloc is the preferred living choice for Texas Tech students. The Bloc also features a state-ofthe-art fitness center open to residents 24 hours a day. Group and individual fitness-on-demand rooms also are available. The Bloc offers a resort-style pool complete with a sun deck and cabanas, as well as tanning rooms. Residents of The Bloc community have access to the only rooftop lounge in Lubbock. Other community amenities include interior courtyards; barbecue areas with covered grills; fire pits; and a free Starbucks coffee bar.

Roommate etiquette

Want to be a good roommate? Follow these bits of common sense from the January 2019 Apartmentguide article “Roommate Etiquette 101,” and you’ll be well on your way: • Pay your full portion of the rent/utilities on time. Always.

• Never assume you can just borrow something that isn’t yours. Ask for permission, then return or replace it as soon as possible.

• Buy your own food and beverages. Even if your roommate buys the same thing, avoid sharing.

• Don’t throw a party unless every roommate is OK with it. Get permission and be considerate. Don’t be too loud or go so long as to disrupt your roommate’s sleep/studying.

Clean up after your guests.

(And don’t forget to invite your roommate.)

• Your “significant other” is not another roommate and never should be in your apartment alone.

He/she should not stay too often or too long. He/she is not paying rent.

• Share common chores equally and do them well when it’s your turn. Clean up after yourself.

• Be aware of your volume (and the volume of your TV, music, etc.).

• Keep the bathroom — countertop, toilet and shower drain — clean (even if it’s not shared). No one likes a smelly bathroom.

• Everyone’s safety is your concern. Be sure to close and lock all windows and doors when you’re leaving. Don’t leave the apartment open because you’re “going to be right back.”

• If you get sick, avoid your roommates. Stay in your room and away from common areas. Wipe down or spray surfaces you touch with antibacterial wipes or spray.

“Follow the Golden Roommate Rule — do unto your roommate as you would have your roommate do unto you,” the article states. “How would you want to be treated? Do that to your roommate and they will show you the same consideration in return.”

Source: https://www.apartmentguide.com/blog/roommate-etiquette-101/

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OCT. 22, 2020

5B

The Holly provides 30-acre community, most amenities in Lubbock Sponsored Content Home to the most amenities in Lubbock and the only beach in West Texas, The Holly is the hottest spot for Texas Tech students to call home.

Our beautiful community stretches more than 30 acres with its own beach-entry lake stocked with almost 2,500 fish waiting to be caught by our outdoor-loving residents.

Lakeside fun also includes our own floating island and a lighted jogging track perfect for twilight runs.

Our residents can use our grills to host a barbecue under the stars at our community picnic area or swim laps at The Holly Swim Club made up of two large resortstyle pools with lounges. And, if there is time in the day for more, residents can enjoy our outdoor basketball and sand volleyball courts or take a pet for play time at our fenced-in pet park.

The Holly also has a Citibus campus shuttle that picks up students every 15 minutes in front of the clubhouse.

Inside, our clubhouse is loaded with must-see amenities second to none. Designed by the renowned New York City interior designer Jon Call, every inch is beautiful and created to enhance the lifestyle of our residents.

Along with our on-site management offices, residents can enjoy our JIM

Photos courtesy of The Holly

The Holly features a number of amenities for its residents including a library, which is perfect for study sessions or group meetings. Each luxurious suite features beautiful furnishings in both the public areas and bedrooms. The beauty extends to the common spaces, such as the JIM Fitness Center and clubhouse, and the outdoors spaces. Residents also have access to a lake stocked with fish, a floating island and two resort-style swimming pools.

Fitness Center complete with an array of equipment, free weights, state-of-the-art cardio machines and free tanning to give you a sun-kissed glow all year long. If a pickme-up is in order, residents can swing by our JOE bar serving Starbucks coffee with all the finishes for the perfect cup before or after class.

At The Holly, there are many social and study lounge areas too. In the main clubhouse, residents can sit

amongst the black, white and gold accents while cramming for a test or hit the books in our library overlooking the gorgeous Swim Club. For those needing a quiet spot or looking to host a group study session, two private conference rooms are also available.

At The Holly, you won’t simply sign a lease — you will become a member of boutique student club living.

Whether you’re sunning along the private beachfront lake,

hosting friends in the library or enjoying a workout at the JIM fitness center, you’ll be able to nurture your creativity and live like an icon.

As a member of the Campus Life and Style Autograph Collection, The Holly apartments are in a league of their own. Each fully furnished suite offers private bedrooms, private bathrooms and a fullsized kitchen. Enjoy a private patio or balcony and take in the views right from home.

We are happy to accommodate your unique living preferences and offer individual leases for each of our two-, three- and four-bedroom apartments. When it’s time for class, our shuttle service to and from Texas Tech ensures you don’t have to settle when it comes to resort-style living and an active student lifestyle.

Our Guest Services team is here to support your every need as a thriving student.

Contact us today to secure your space. Hurry, spaces are filling up fast.

Our office hours are 9 a.m. to 6 p.m. weekdays, 10 a.m. to 5 p.m. on Saturdays and 1 p.m. to 5 p.m. on Sundays. We are located at 3710 Erskine St. and can be contacted at 806-744-3425 or by email at TheHolly@clsliving.com.

Visit our website at LiveTheHolly.com for more information.

Student Legal Service offers free lease reviews for students

Story By Emma Sipple The Daily Toreador For students, looking at a lease for the first apartment can be a challenge, but helpful resources are available.

One of these resources is Student Legal Services.

“Well, the first thing they should do is schedule a lease review with me, we’ll go over the lease,” Jeffrey Hays, an attorney for Student Legal Services, said. “We can do it line by line. I can hit the high points depends on what the student wants.”

The service is free for students, and Hays said Student Legal Services can go over the lease and make sure students understand what they are signing up for before a student officially

signs the lease.

One of the first things Hays goes over with students is the type of lease they are signing, he said.

There are individual leases and then there a joint several leases, he said.

Individual leases are most townhomes, duplexes and private homes.

Joint several leases also mean everyone is equally responsible for the entire lease amount while with an individual lease, each person is only responsible for what is on their contract, Hays said.

“So, if you have a $1,500 house, and there’s three living there, it’s $500 a month, but if one of those people on the joint lease leaves, for whatever reason, the other

two tenants, their rent goes up by $250,” Hays said.

“Individually, if it’s $500, on that contract, that’s all that person’s going to be responsible for.”

When shopping around for apartments, Hays said to look at rent rates and location. Online reviews also can be helpful.

Make sure the lease reflects what the student negotiated since the final contract cannot be modified as much, he said.

“You need to make sure that you’re an advocate for yourself, not combative, but you know, you just need to make sure that you’re getting what you want,” Hays said.

Other considerations include whether a student

Working with your Landlord If you’re planning to move into a rental property, you’re going to have a landlord — whether that’s an individual or a property management company. It’s important to do what you can to make that relationship a positive one. Here are some things to keep in mind about working with your landlord that hopefully will make your rental experience more positive.

• Read the lease before you sign it. Make sure you understand what you’re about to sign and ask any questions you might have before you sign.

• Know how and when to contact your property manager/landlord regarding questions or needed repairs.

Do they want to be texted?

Receive emails? Called? Is there an online form? During what hours? Are emergencies handled differently than less-urgent requests?

• Be reasonable and patient. Remember, you’re probably one of many residents with whom your landlord/

property manager is working.

• Treat the property as if it’s your own. That is, take good care of the space you’re paying to live in.

• Keep your space clean.

• Let the landlord/property manager know immediately about maintenance problems. These sorts of issues can get worse if left unchecked.

• Don’t sneak in a new pet. Get permission in writing and pay any required deposits/fees and pet rent in the event you decide to add a furry family member.

• Buy renters insurance.

Most lease agreements re-

quire the purchase of such insurance; even if it’s not required, you should have this sort of coverage. It will help protect you and your belongings in a variety of circumstances.

• Pay your rent on time — every time. If you find yourself unable to do so, don’t dodge the property manager/landlord. Communicate with them about what’s going on and when you’ll be able to pay.

• Leave your space in the same state as your found it, if not better. Clean the space thoroughly when moving out.

Sources: Zillow, https://www.zillow.com/blog/10-tips-in-communicating-with-your-landlord-52493/; and Money Crashers, https:// www.moneycrashers.com/tips-tenant-landlords-find-apartment/

wants a newer apartment versus an older apartment, Hays said. Newer apartments will be more costly

the location of the nearest bus stop.

Hays said it would be better to know one’s roommates

LEASE REVIEWS • • • •

Student Legal Service offers free lease reviews Face-to-face appointments currently are unavailable Call (806) 742-3289 to set up an appointment Contact also may be made through studentlegalservices@ttu.edu

while older ones will be less expensive.

Location is also an important factor to consider when comparing rates, Hays said.

If the student’s apartment is further away from campus, the student will need to factor in parking costs or

ahead of time, so everyone knows each other and has information on the other, so there will likely be fewer problems down the line.

Students should not sign a lease without parents or a guarantor present, he said.

If a student signs without

and tries to get out of the lease, the landlord will view the signing of a lease, as long as the signee is over 18, as legally binding.

Hays said he recommends students come to Student Legal Services before they sign a lease.

Student Legal Services staff members are available to review leases, as well as to provide a variety of other services, Hays said. More information can be found on their website, depts.ttu.edu/sls/ “We want to help if we can prevent problems,” Hays said. “I’ve even had some landlords tell Tech students to come see me because the landlord wants the informed consumer coming into that situation.”

What do I need?

When you move into a new place, there are some things you need to pack or keep easily accessible. Here are a few items to make sure you take with you as you move: Bathroom: Plunger Towels Toilet paper Toiletries Hand soap Shower rod Shower curtain Bathroom cleaning supplies Bedroom: Blanket Extra set of sheets Pillows Mirror Iron/ironing board Hangers Kitchen: Bowls Plates Utensils Cups/glasses Measuring cups, spoons Pot holders/oven mitt Can opener

Microwave Toaster Hand mixer Coffee maker Dish towels Pots/pans Paper towels Dish soap, dishwasher detergent Foil, plastic wrap, zipper bags Ice trays (for homes without icemakers) Cleaning: Broom Mop Disinfectant wipes/spray Vacuum and vacuum bags Cleaning supplies Trash cans Trash bags Miscellaneous: Tape Command Strips Extension cord

Power strip Chargers Extra wall plugs Lightbulbs Basic tool kit: Hammer, screwdriver, nails, tape measure Bandages Anti-bacterial ointment, spray Pain reliever First aid kit HDMI cable Smoke detector Batteries (9V for smoke detectors) Stepstool Sewing kit Umbrella Fire extinguisher Flashlight Air freshener Pen/paper Laundry detergent, dryer sheets, etc.

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6B OCT. 22, 2020

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7B

8B OCT. 22, 2020

HOUSING GUIDE

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The Scarlet offers unique, affordable living options for students Which community has the most school spirit in Lubbock? The Scarlet student apartments.

Only a block away from Texas Tech, situated in the heart of the Overton District, The Scarlet has a premier location, all new one-of-a-kind amenities and hotel-inspired service that cannot be found elsewhere in town.

The Scarlet even has its own Citibus campus shuttle station, picking up students every six minutes.

We’ve re-envisioned traditional student living to bring you an experience that is truly in a league of its own.

With 24-hour access to an elite JIM fitness center featuring resistance equipment, free weights, state-of-the-art cardio machines, a spin room and free tanning, plus our full-service business center with HPs and free printing and private study rooms, residents can take care of what’s most important whenever their schedule calls for it.

At The Scarlet, you won’t simply sign a lease — you will become a member of boutique student club living.

Our must-see amenities also include our signature JOE bar serving Starbucks coffee with a variety of creamers and sugars to customize your cup, a Red Raiders War Room loaded with plush lounging furniture and ceiling-mounted TVs ready to catch every big game, and outdoor basketball and vol-

Sponsored Content leyball courts ready for any pick-up game. Residents love coming home to a stunning resort-style pool and hot tub with towel and lotion service.

Our beautiful, fully furnished apartments come complete with full-sized kitchens, walk-in closets and their own private washers and dryers.

As a resident of The Scarlet, you’ll be treated as a VIP with our guest services and vibrant social community that encourages you to live life the way you want. Each unique living space comes outfitted with a 50-inch flatscreen TV, hardwood-style flooring and private bedrooms and bathrooms.

With one-, three- and four-bedroom floor plans available, individual leases and our roommate matching service, we are happy to accommodate your unique living preferences. Plus, our pet-friendly living, allinclusive rent and exceptional customer service make this the best choice for any student wanting to have everything at their fingertips to succeed.

Our office hours are Monday-Friday, 9 a.m.-6 p.m.; Saturday, 10 a.m.-5 p.m.; and Sunday, noon-4 p.m. We are located at 2202 Mac Davis Lane and can be contacted at TheScarlet@ clsliving.com or by phone at 806-747-2340.

Photos courtesy of The Scarlet

The Scarlet offers many amenities including fully furnished living spaces featuring a variety of comfortable furniture, an in-house gym, coffee bar and a Red Raiders War Room packed with lounge chairs and mounted televisions, making it the perfect place to hang out with friends and watch TV. There are one-, three- and four- bedroom units available. To get more information, visit www.livethescarlet.com or call 806-747-2340.

Finding the perfect plants for residence halls, apartments Story By Emily Strenski The Daily Toreador One way people try to make a residence hall room or any room in a house feel livelier and more spirited is with house plants. However, it can be difficult to know which ones are easy to take care of and which ones busy college students should avoid.

Ashley Elle, a horticulture instructor at Texas Tech, said succulents and cacti are a great start.

“They’re extremely popular and trendy right now, and they’re great for college students because of how easy they are to be taken care of,” she said. “They require very little attention and water.

They do, however, require lots of sunlight, so put them near a window. A great one is the Pink Mountain Rose, as they will turn different colors as they progress.”

Russell Plowman, Tech horticulture instructor, said the snake plant is another great plant for college students, especially for those who live in a residence hall or in an area that does not get much sunlight.

“You could ignore them for weeks and they’d still survive,” he said. “They can thrive off little water and in very low light places, which makes them perfect for a dorm room or for a college student with a very busy schedule.”

If a student wanted to try growing herbs, Plowman said he recommends they start small with mint or basil.

“Herbs can sometimes be tricky,” he said. “Mint and basil are great starting points because they require less light than other herbs and are really hearty.”

Living in a COVID-19 world and in a residence

hall or apartment where the building’s air is circulated through each room, Plowman said air-purifying plants also have become very popular.

Anna Johnson, owner of Little Red Riding Hood Nursery, said more people coming into the nursery are health conscious.

“The snake plant is great for purifying the air, but there are so many others that are perfect for a college student,” she said.

Another great plant that will purify the air and look very aesthetically pleasing is the pothos ivy, Johnson said.

“The pothos ivy is a hanging plant,” she said. “It’s a classic little trailing plant that does wonders for your air quality, and they come in so many different colors.”

Aloe vera is another great air purifier, and it has many other health benefits as well, Elle said. The plant also does not require a lot of attention, making it another great plant for college life.

“This plant is great for so many things,” she said.

“It’ll purify your air and can help heal skin wounds. You can make hand sanitizer out of it, or it’ll even function as a kind of makeshift bandage. The juice of the plant has also been known to be really good for digestive issues. They’re also really low maintenance, so they’re easy to take care of.”

If a student is looking for a larger plant, Johnson said the dragon tree is a great start.

“It’s a very tall floor plant that thrives off low light,” she said. “It’s also very pretty, as it has lots of little red spots on the leaves. It can certainly bring some color into any room and doesn’t require that much water either.”

For students who are in-

consistent with their watering schedules, the ZZ plant is one that will work for them, Johnson said.

“These plants are very adaptive,” Johnson said. “Say you forget to water your ZZ plant for a couple of days or even a couple of weeks, it’ll still survive because it will adapt to not having that water intake. They’re also great because they have glossy green leaves and can be different shades of green.”

In addition to these different plant features, Plowman said when deciding which plant to buy, there are many other factors students need to be aware of.

“You really need to be aware of what direction your window faces,” Plowman said. “A south-facing window is the best. It gets lots of natural sunlight and is perfect for plants that require lots of light. East-facing windows are second-best. They’ll get some good natural sunlight as well. West-facing windows are OK, but they’ll get really hot. They’re perfect for succulents. North-facing windows are the least effective, as they will barely get any direct sunlight.”

If a student does not have great lighting but still wants to get plants that require lots of sunlight, LEDs or plant lights are great for replicating sunlight, Elle said.

“Just be careful, though,” Elle said. “It is possible to sunburn your plants, and they can die from that. Make sure you do some research on each plant light before you pick one out.”

Another thing to be aware of is how much color a student wants to bring into their room, Johnson said. A good rule of thumb is the more color a plant has, the more light it will need.

“The sunlight is really what makes a color pop in a plant,” she said. “If you’re looking for some colorful plants that require little sunlight and maintenance, some good plants are the peace lily or a kalanchoe.”

There are also many different ways to set up a plant,

Johnson said. One could mount them on the wall with a planter, hang them from the ceiling with hanging baskets or simply set them on a desk or a windowsill.

However, a new trend that’s forming is mounting the plants onto cork boards.

“It appears to look like

a vertical garden of sorts,” Johnson said. “People are taking ivies and Christmas cactus and are mounting them on cork and then mounting the whole thing to the wall. It’s very interesting and certainly efficient, as it keeps the plants in any easy watering formation.”

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Students, professionals discuss pet ownership

FILE PHOTO/The Daily Toreador

There are many things to consider before getting a pet while in college. The biggest factor people need to think about is whether they will have enough time to meet the pet’s needs — time for walks, time to play and time to train. Owning a pet also involves costs including food, vet visits and possible pet deposits. It’s also important to consider if the living space is adequate for the pet. People should ask themselves questions such as “Do I need to have a yard?” and “Is my apartment (or house) big enough for this pet?” before committing to anything.

Story By Javier Baca The Daily Toreador When moving into a new apartment, getting a pet can pose multiple challenges, especially for firsttime owners. Knowing how to handle these challenges may be necessary to have a happy pet and a well-kept apartment.

R e n e e M o b l e y, s t a f f member at Above and Beyond Pet Care Hospital, said there are different considerations to make when caring for a pet regardless of where someone is living.

“First, you need to make sure you are going to have the set appropriate time to take care of the pet,” she said. “If it is a dog, you need to walk it three to four times a day, especially if it is a hyper dog. Otherwise, it will become destructive.”

All pets need to be put on a regular and consistent feeding schedule, Mobley said. In addition, some pets, especially cats and dogs, need to have a proper kennel and toys to keep them occupied when the owner is not home.

Being able to provide for an animal is more

than just food and water, Mobley said. One needs to make sure his or her pet is vaccinated, especially if it is an active pet, such as a dog. Going to a park can be dangerous if the animal does not have the proper vaccinations.

Lindsey Roberts, a senior advertising major from Houston and staff member at The Centre at Overton Park, said there also are specific considerations to make when bringing pets into apartments.

“People don’t realize that it is a lot more work to take care of a pet in an apartment compared to a house, especially a dog,” she said. “People need to do their research and figure out every impact that a pet can have in your life.”

Roberts encourages those wanting to have a pet to ask pet owners about what it is like to own one and how they are able to manage while also staying within community pet policies, she said.

Bailey Hagler, a sophomore pre-law student from Austin, said she owns a cat and lives off

campus. She said there are common misconceptions when it comes to owning a pet.

“People really need to think about what kind of pet they are looking to adopt,” she said. “Especially if you are looking to adopt a big dog, people think that it is easier and don’t truly understand the work and care that every pet needs.”

It can be difficult finding someone to take care of Hagler’s cat when she visits home, she said.

It also is important to know if one’s roommates are OK with having a pet because it can cause issues at home. But it also can be hard to find someone who is willing to watch a pet while one is away.

Even though having a pet in college can be difficult, Hagler said if done correctly, it can be a rewarding experience.

“It can really teach people a different kind of responsibility,” she said.

“It’s also very nice knowing that whenever you go home, there is always a friend waiting for you eager to enjoy your time and company.”

Apartment vs. House: What to Consider Thinking of moving off campus but unsure as to whether you want to try apartment living or living in a house? Here are a few things to consider, according to an article published on apartmentsearch.com: • Cost — Go with an apartment if your budget is tight. Sure, your square footage may be smaller, but your utility bills likely will be as well. Also, you won’t have the expense of watering and caring for a yard. However, if you need a larger space and your budget allows, you might be better off in a house. A rented house with a fenced-in yard is a must for some pet owners.

• Amenities — Many apartment complexes offer an assortment of amenities, including on-site

gyms, pools and computer centers, that are attractive to some renters. Others, however, may not need these amenities (they plan to take advantage of the on-campus Rec Center or campus technology, for example).

• Transportation — If you’re in need of public transportation to and from the Texas Tech campus, apartments might be the best choice. Many of the complexes near are in walking distance of campus and are serviced regularly by Citibus, allowing students to get to and from classes without having to worry about driving and parking their vehicles.

• Privacy — Apartments generally cannot offer the privacy that a house can. If a quieter home experience

is a must, the house option may be your best choice.

• Maintenance — If your time is limited or your maintenance skills are nonexistent, an apartment is the choice for you. Most apartment complexes have maintenance personnel on site or on call, which can mean prompt attention. Maintenance in a house is not necessarily problematic but may take longer to schedule, depending on the property management process.

• Lifestyle — Apartments typically are located in areas of convenience, with restaurants, entertainment and, in some cases, the campus itself in close proximity. Singlefamily housing, however, tends to be located closer to schools and shopping areas.

Source: https://www.apartmentsearch.com/resources/apartment-vs-house-which-should-i-rent

Preparing to move Find free boxes — Go to grocery stores or ask friends where they’ve had luck finding boxes. Pay it forward by passing your boxes along to others who might need them after you move.

Pack clothes on hangers — Zip-tie hangers together to make carrying easier Use furniture drawers — Fill empty drawers with things you want to move Color-code boxes — Mark packed boxes to specify destination room Wrap & pack vertically

— In the kitchen, wrap and pack plates vertically so they’re less likely to break Wrap & pack breakables — Use bubble wrap or packing paper to wrap mirrors and pictures and secure with tape. Place in a box and fill empty spaces with crumpled paper.

Use towels & sheets — Save money on packing materials by using your towels and sheets to help pack breakables Scrub it with soap — Use a bar of white soap to help fill small nail holes left

in walls. Just rub the hole with the bar of soap until filled.

Take photos — Grab quick pictures of complicated electronics setups or anything you want to set up in the same way in your new place.

Set a deadline — Unpacking can be a pain, but without a deadline it can be easy to keep procrastinating and never get all those boxes put away.

Don’t put too much pressure on yourself though. Doing a little bit at a time will make the process a bit less painful.

OCT. 22, 2020

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OCT. 22, 2020

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Buying, renting living options for students living off campus Story By Hannah Isom The Daily Toreador Deciding where to live after your first semester of college can be daunting, and making the decision to rent or buy can be a tough one.

Chris Browning, associate professor in the department of personal financial planning, said the increased flexibility of renting is a strong pro for students.

There is an ability to move if needed or to switch roommates as well.

“You’re less bound to that living situation,” Browning said.

Additionally, renting is less expensive, Browning said. It is becoming more common to have an allinclusive price for what is being paid — utilities, cable and Wi-Fi. There is also usually access to amenities such as a pool or gym and things that might not be included with a house.

The appeal of being owner is starting to build equity, Browning said. Houses are

an investment, and they increase in value the longer one owns them. In addition, the ability to customize usually draws people in.

When deciding whether one should be a renter or a buyer, Browning said there are two factors to think about.

First, what is the timeline? There needs to be at least a five-year timeline when considering buying a house, Browning said. This means there must be an intention to stay in the location for five years or more.

Second is deciding if the resources are available. Buying a house is expensive. Not only is there a mortgage to pay — a mortgage is a principal and interest payment to the bank — there also are property taxes and insurance that need to be paid.

Browning said for a house in Lubbock the average price is $150,000; the down payment for this house would be $7,500 and the closing costs would be $5,000, totaling $12,500.

“If you don’t have that it’s just not worth it to tax yourself financially to the extent that you could be putting yourself at risk,” Browning said.

About 85 percent of people under the age of 30 are renters, Browning said. The idea that it is always, “better to be a renter than a buyer” is a myth. The first home purchase usually happens around the age of 31.

However, there are some cons to renting.

Andrew Lamis, a financial advocate for Tech Red to Black peer financial coaching, said there is the issue of once a lease is signed, it is difficult to break. An individual must find someone to take their place or pay out their leasing term.

There are some big pros to renting as well, Lamis said.

Renting can provide time to save for a house and is helpful when trying to get a career started because there is less worry about upkeep.

“Renting is more practi-

cal for the average person,” Lamis said.

If a student, or a student’s parents, look to buy, Lamis said there is not any real way to profit. After the student graduates there is the option to sell or rent.

Renting out the house requires the parent or student to continue to provide maintenance and upkeep.

Selling requires hiring a realtor and renovating the house for market, which can be costly.

Sabina Pandey, a financial educator for Red to Black, offered some advice when deciding to rent or buy.

“Look at your cash flow statement. If you are living paycheck to paycheck then you should go for rent, not buy,” Pandey said.

The only exception Pandey said she could see for the decision to buy over rent directly after college was if there was a family involved.

Overall, all three financial experts said that for college students, deciding

whether to rent or buy during college or after should be focused on what money they are bringing

in, the length of time they will be in one place and if that money could be better invested somewhere else.

Transitioning from living at home to an apartment Being a local, I never got the true “freshman experience” of living in the residence halls at Tech. My family is here, so I elected to live with them instead of on campus to save money and remain in the comfort of my own room. However, being a college student who still lives at home did present some difficulties.

For starters, my parents’ house is not close to campus, so I had to wake up extra early not to only get ready for the day, but also to make sure I had time to make the 15- to 20-minute drive to campus, find a parking spot in Commuter West and walk to the College of Media and Communication building for class. If I had elected to live in the residence halls,

Mallory Rosetta is a junior advertising and media strategies major from Lubbock.

I would have been able to wake up right before class, throw on some clothes and walk across the street to the CoMC building.

Because I lived at home, I had to be careful when coming home and try not to make too much noise so as not to disturb my family if I made plans with friends that went late into the night.

This was difficult, especially because we have a small dog that likes to think she is a huge guard dog, so any time she hears

a noise she alerts the family by barking loud to “protect” us.

There also was the issue of having to do favors for my family and having them hover over my shoulder constantly as they did in high school. If I had an 8 a.m. class, my parents often would ask me to take my sister to school on my way to campus. If they knew I was not busy during the day, they would ask me to do favors for them like pick up something from the store on my way home.

This was difficult to adjust to at first because I was working, taking classes and attempting to have a social life, so in a way I felt like I was disappointing them when I couldn’t do what they asked. I was trying to

have a semi-normal college experience.

Although there were some challenges to living at home, there also were many advantages.

I always had a homecooked meal available when I wanted it or was able to eat dinner with my family.

My mom is a good cook, and so it was nice to still have that, whereas I would have been stuck eating food on campus if I had chosen to live in the residence halls. While campus does have many great food options available, having the luxury of a meal made by my mom was something I appreciated.

Another advantage to living at home was a free laundry service. My dad always did my laundry, so it was nice to be able to just throw my clothes into the hamper and take it to him when it was full. The idea of communal laundry never sat right with me because of the fear of forgetting my clothes and having someone take them, so I was glad that I never had to worry about that while at home.

The biggest advantage to living at home, however, was getting to see my family every day, especially my dog. One of the things I hear most, even from older students, is they are homesick and miss their families. It was comforting knowing any time I was sad or just needed a hug from my mom or dad that they were in the living room.

During quarantine, I

was a little stir crazy as most humans were. Being stuck in the house for six months was not something anyone was looking forward to once the COVID-19 pandemic hit. It became even more difficult to get work done while I was at home when I could hear my sister doing school in the next room or my mom teaching her students virtually from the kitchen table.

When my friend said she was looking for a roommate for an apartment for the upcoming semester, I decided that I wanted to move out and live with her. Although my family was sad I would be gone, they were excited for me to experience living with someone other than them, especially since I am a junior.

Now, I have had to make new adjustments to living with a new person I am not related to who had to become accustomed to how I live. While my roommate and I do get along, we have different styles and ways we like to do things. There are also things I have had to start doing for myself that I did not necessarily do before when I lived at home.

One thing I have had to do that I actually enjoy is cooking for myself. When I lived at home, I never really wanted or had the opportunity to cook because my mom always did it.

However, I now am able to experiment with cooking in my own kitchen and finding things both my roommate and I enjoy that I can add

to my cookbook.

I also have had to start d o i n g m y o w n l a u n d r y.

While I still go to my parents’ house to do it, I often go over there when no one is home and do it myself.

While I do have the option of using the laundry facility at my apartment complex, I often find myself not having enough quarters to be able to do so.

Although there is more freedom that comes with living in my own space, there are a lot more responsibilities I have had to take on. One is saving my money.

While I tended to still be money-conscious when living with my family, I never had to worry about paying bills and rent. Now I do. It has been hard adjusting to not being able to buy something I see online I want or not being able to eat out as much, but it also serves as a good learning opportunity for the future.

Having my family in town but having my own space to go home to is one of the best parts of living on my own. I still am able to see them when I want but get to go home and have time to myself to work on school, watch TV or do other activities without the chance that I am disturbing my family or that they will interrupt me.

Sometimes I regret I did not get the true “freshman experience,” but I am grateful I was able to spend some extra time with my family at home before moving out and having those experiences.

Tips for being a good neighbor Whether you’re living on campus or off, in a house or an apartment, there are some basic things to keep in mind to make sure you do your part to get along with those who live around you.

1) Introduce yourself to your neighbors. Be sociable.

2) Use inside voices, especially if you share walls/ ceilings/floors where sound can travel easily into your neighbor’s home.

3) Give your neighbors advance notice of special events you might be planning (a potentially loud party or a study group that might require additional parking).

4) Use common sense when it comes to playing loud music, TVs, etc.

5) Have realistic expectations about your neighbors and know their schedules

(do they work nights and sleep days?). Recognize that sometimes they, too, might host a loud party or play the TV particularly loud.

6) Participate in neighborhood/apartment complex activities.

7) Control your pet and be proactive about potential pet problems. If your dog barks a lot, for example, let neighbors know you’re working on a solution. Keep your dog on a leash when out on the community grounds and always pick up pet waste.

8) Be direct with questions, concerns or problems

that may occur. Address disputes in person and not in texts or social media.

9) Pay attention when parking your vehicle. No one likes a space hog who parks in two spaces when one will do.

10) Keep the area outside your home unobstructed and clean.

11) Alert neighbors of community news, especially if you hear of something your neighbors should know or could benefit from.

12) Offer to keep an eye on your neighbor’s place if they clue you in on plans to be out of town.

Sources: Apartment Therapy, https://www.apartmenttherapy.com/good-new-neighbor-tips-etiquette-257611; and ApartmentFinder, https://www.apartmentfinder.com/blog/apartment-living/10-steps-on-how-to-be-a-good-apartment-neighbor/

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OCT. 22, 2020

11B

Park East offers comfortable, convenient living

Photos courtesy of Park East

Park East offers its residents a variety of amenities perfect for students to come home to and unwind after a long day of classes. The fully furnished rooms are designed to make you feel at home as soon as you walk in the door. Residents can take advantage of a luxurious pool, 24-hour coffee and espresso bar, and two pet parks. The resident lounge is the perfect place to hang out and compete in a friendly game of table tennis, air hockey or pool. You also can enjoy a movie night at our unique Aquatheater.

Sponsored Content What’s the best way to describe life at Park East in one word? Perfect. But if we had to use another word, it would be one of these: exciting, comfortable, convenient, homey, luxurious, accommodating, fun and peaceful.

Basically, you’ve got to see it to believe it.

Park East prides itself

in offering a relaxing home environment where students can unwind from the day-to-day college experience. The community is a private complex comprised of fully furnished and beautifully styled two- and fourbedroom homes.

The interiors are extremely thoughtful and designed to be both spacious and practical, with abundant natural and

artificial lighting.

On top of this, the common areas, and most amenities, are available 24 hours, and our highly accessible and friendly management staff always is eager to assist you with anything you may need.

Everyone has their personal favorites, but a residence at Park East offers quite a few high-end perks.

It features a gorgeous pool

that is the epicenter for unwinding. There, you can enjoy lounging, studying for your next exam in one of the shaded reading areas surrounding the pool, or even watching your favorite movie at our unique Aquatheater.

Planning an all-night cram session? Grab a quick pick-me-up from our 24-hour coffee and e s p r e s s o b a r. Wa n t t o let off some steam? Our

resident lounge can be the perfect outlet as you challenge your roommates to a friendly game of pingpong, air hockey or pool.

The community is also extremely pet-friendly and features two private pet parks for your furry friend to enjoy.

See why the one word thing was so hard?

We’ll be giving away $500 to one big winner

next week, so follow us @LiveATParkEastTX on Instagram and D M us your name, phone number and email along with the words “$500 Giveaway” to be entered.

In the meantime, call 806-500-2555 or email info@parkeastliving.com to schedule your tour or info session today and find out why our residents love Park East so much.

Toreador Housing allows users to find best housing by criteria Sponsored Content Toreador Housing is a free resource available to help people in the Texas Tech community find the perfect place to live.

Available through the website of The Daily Toreador, the student publication at Tech, Toreador Housing is an online tool that enables users to review local apartment complexes with specifics in mind: distance from campus, number of bedrooms and/or bathrooms, and minimum/maximum price.

Through the search function, a Toreador Housing user can generate a customized

list of apartments that best fit his or her wish list.

Need something within walking distance to Tech?

Sort apartments by distance (in one-mile increments) from campus. Have a specific budget in mind? Set a minimum and maximum price to narrow the search. Toreador Housing is a one-stop source for updated information on Lubbock’s rental market.

Search results provide addresses, prices and types of rental units available, as well as a detailed map that denotes locations in relation to campus.

Users can click on an apartment photo for more

information, including additional photos, floor plans, amenities and contact information.

Users also may choose to browse all participating properties without the use of the search function.

“It can be difficult to know where to start when you first begin looking for an apartment, whether it’s your first time or you’re just ready for a change.

Toreador Housing can help you narrow down what’s most important to you,” said Andrea Watson, sales, marketing & design manager for The Daily Toreador. “The site makes it really easy

to compare the properties you’re interested in. It’s a great resource for anyone looking for a place to live.”

Housing complexes currently profiled include The Bloc, University Trails, 25Twenty, The Ranch, Anatole at City View, University Pointe, The Village at Overton Park, Raiders Pass, Raiders Walk Apartments, U Club at Overton Park, The Holly, 21 Hundred at Overton Park, The Scarlet and U Lofts Apartments.

To view the site, go to www.dailytoreador.com and click on Toreador Housing (look for the black bar near the top of the page).

Image courtesy of housing.dailytoreador.com

The Toreador Housing website is a free resource that allows users to search for places to live by a variety of criteria, including price, number of bedrooms and distance from campus.

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