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Ditching Instagram

09 Saturday Dec 2023

Posted by webbywriter1 in Jobs and the workplace, stress

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So, my good friend sent me an Instagram to show me her new painting process. Which was great, except that I had not been on Instagram for some time and could never get the entire video to run. However, in the meantime, another Instagram video popped up where the guy was giving great instructions on how to ace the Internet and make money. I had to watch this same video over and over again trying to figure out how to get it off my dashboard. (I really had seen enough of this guy.) So, Saturday am, having not much else to do, I made it my job to finally get rid of this thing. Three YouTube videos later and two Google hacks, I learned I had to re-activate my Instagram account, re-install a password, change the password and then finally delete the entire system. Then two more hacks and I was able to finally (!!!) clear both videos off my dash. Whew!

This came close on the heels of trying to reopen 4 assignments for a student in one of my classes. After attempting to do it myself (three times) and failing (more piteous emails from the student), I had to contact the Tech Dept., give them detailed accounts about what had gone on and then (At last!!!) get the magic words (reopen the entire Module) and follow detailed instructions to get the job done. The whole process with emails back and forth lasted nearly one week.

That on the heels of having to learning yet another (Really Important!) app, that someone at the school felt we had to know!!!! Then, again, needing to contact another tech guy, set an appointment and painfully go through the steps, item by item, to get the app up and running. Now computers are supposed to make our lives easier right? I am starting to doubt that. In fact, I am pretty sure that the ‘improvements’ are sucking up enormous amounts of work time, for me and everyone else. Lets see what the people in Amsterdam have to say.

We are wasting up to 20% of our time on computer problems, says study June 29, 2023

by University of Copenhagen

tps://techxplore.com/news/2023-06-problems.html

Credit: Unsplash/CC0 Public Domain

Even though our computers are now better than 15 years ago, they still malfunction 11%–20% of the time, a new study from the University of Copenhagen and Roskilde University concludes. The researchers behind the study therefore find that there are major gains to be achieved for society by rethinking the systems and involving users more in their development.

An endlessly rotating beach ball, a program that crashes without saving data or systems that require illogical procedures or simply do not work: Unfortunately, struggling with computers is still a familiar situation for most of us. Tearing your hair out over computers that do not work remains very common among users, according to new Danish research.

In fact, so much that on average, we waste 11%–20% of our time in front of our computers on systems that do not work or that are so difficult to understand that we cannot perform the task we want to. And this is far from being good enough, says Professor Kasper Hornbæk, one of the researchers behind the study.

“It’s incredible that the figure is so high. However, most people experience frustration when using computers and can tell a horror story about an important PowerPoint presentation that was not saved or a system that crashed at a critical moment. Everyone knows that it is difficult to create IT systems that match people’s needs, but the figure should be much lower, and one thing that it shows is that ordinary people aren’t involved enough when the systems are developed,” he says.

Professor Morten Hertzum, the other researcher behind the study, emphasizes that most frustrations are experienced in connection with the performance of completely ordinary tasks.

“The frustrations are not due to people using their computers for something highly advanced, but because they experience problems in their performance of everyday tasks. This makes it easier to involve users in identifying problems. But it also means that problems that are not identified and solved will probably frustrate a large number of users,” says Morten Hertzum.

The problems are only too recognizable

To examine this issue, the researchers have been assisted by 234 participants who spend between six and eight hours in front of a computer in their day-to-day work.

During one hour, the researchers told them to report the situations in which the computer would not work properly, or where the participants were frustrated about not being able to perform the task they wanted.

The problems most often experienced by the participants included: “the system was slow,” “the system froze temporarily,” “the system crashed,” “it is difficult to find things.” The participants had backgrounds such as student, accountant, consultant, but several of them actually worked in the IT industry.

“A number of the participants in the survey were IT professionals, while most of the other participants were highly competent IT and computer users. Nevertheless, they encountered these problems, and it turns out that this involves some fundamental functions,” says Kasper Hornbæk.

The participants in the survey also responded that 84% of the episodes had occurred before and that 87% of the episodes could happen again. And, according to Kasper Hornbæk, we are having the same fundamental problems today that we had 15–20 years ago.

“The two biggest categories of problems are still about insufficient performance and lack of user-friendliness,” he says.

Morten Hertzum adds, “Our technology can do more today, and it has also become better, but at the same time, we expect more from it. Even though downloads are faster now, they are often still experienced as frustratingly slow. “

88% use a computer at work

According to Statistics Denmark, 88% of Danes used computers, laptops, smartphones, tablets or other mobile devices at work in 2018. In this context, the new study indicates that a half to a whole day of a normal working week may be wasted on computer problems.

“There is a lot of productivity lost in workplaces throughout Denmark because people are unable to perform their ordinary work because the computer is not running as it should. It also causes a lot of frustrations for the individual user,” says Kasper Hornbæk.

This means that there are major benefits to be gained for society if we experienced fewer problems in front of our computers. According to Kasper Hornbæk, the gains can, for example, be achieved if more resources are invested in rethinking how faults are presented to us on the computer.

“Part of the solution may be to shield us from knowing that the computer is working to solve a problem. In reality, there is no reason why we need to look at an incomprehensible box with commands or a frozen computer. The computer could easily solve the problems without displaying this, while it provided a back-up version of the system for us, so that we could continue to work with our tasks undisturbed,” says Kasper Hornbæk.

At the same time, IT developers should involve the users even more when designing the systems to make them as easy to use—and understand—as possible, because according to the researcher, there are no poor IT users, only poor systems.

“When we’re all surrounded by IT systems that we’re cursing, it’s very healthy to ascertain that it’s probably not the users that are the problem, but those who make the systems. The study clearly shows that there is still much room for improvement, and we therefore hope that it can create more focus on making more user-friendly systems in the future,” concludes Kasper Hornbæk.

More information: Morten Hertzum et al, Frustration: Still a Common User Experience, ACM Transactions on Computer-Human Interaction (2023). DOI: 10.1145/3582432

Provided by University of Copenhagen 

No, do not let your Two-Year use your cell phone!

10 Sunday Sep 2023

Posted by webbywriter1 in families, kids, marriage, stress, teenagers

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More and more when I am in restaurants and other places, I am seeing young mothers, with very small children, allowing the child to ‘use’ the cell phone or else, buying them electronic devices of their own to use. Seems great, right? The kid is entertained, you are free to a) eat b) talk to your friends c) be on your cell phone. Great? Not great. Remember the days when every restaurant had coloring placemats and crayons? Your kids would spend a lot of time coloring the cows and cowboys all kinda wierd colors. Remember how proud they were of that. You worked hard to smile and said “Beautiful, darling!”

FYI parents; the purple cows and pink cowboys will eventually become pink and purple butterflys, with brown houses in greeen lawns. Those with become cats, dogs and horses and those will become…..wait for it…people. This process, and it is a process, is called creativity and yes, surprise, surprise, it does have to be ‘developed.’ When your kid is watching a cartoon, playing a computer game, watching movies and TV shows, they are watching something created by someone else. Not them. This is a very passive activity that doesn’t do much for them except fill time.

Social skills: as a teacher, I see in the classroom a growing lack of basic social skills between students. A lot of this was extremely aggravated by Covid, but the constant presence of cell-phones and their addiction is not helping.

The never-ending, unreal world of not only TV but Facebook: In case you have not seen the movie Barbie, I would recommend it. Barbie starts off very happy in a very fantasy world. It’s not real and neither is she. Facebook pages are filled to the brim with wonderfully happy people living wonderfully happy lives in a kind of never, never, land. As an adult, with pretty good self-esteem and judgment, I can get jealous and envious of others and start feeling bad about myself. Kids and teens don’t stand a chance as they have little life experience to compare to these perfect vignettes to. So, no, don’t let small children use cell phones and other electronic devices. Also, pay close attention to how much ‘total time’ your older children are spending on the same devices.

https://1c188f9b5fd9a91557fa69d01bc239a0.safeframe.googlesyndication.com/safeframe/1-0-40/html/container.html

PARENTING

Yes, your smartphone habit is affecting your kid—here’s how

We’ve all spent countless hours lost in emails or Instagram, but experts are worried that when we’re connecting online, we’re connecting less with our kids.

BY CARISSA HALTONUPDATED JUL 27, 2020Yes, your smartphone habit is affecting your kid—here's how

Photo: iStock

“Well, when can we go?” My three kids, ages six, nine and 12, stood before me with frustrated faces, as though they’d been waiting a long time for an answer.

“Go where?” I asked. My eyes fought to look up from my tiny phone screen and then struggled to refocus on their faces.

“To the pool! Mom, you were looking for the pool hours.”

I’m not sure how long it had been since I picked up my phone for the search. My various apps and notifications had led me deep down digital rabbit holes. Dozens of times a day, as I walk, eat and parent, my phone distracts me and, embarrassingly, the kids are starting to notice.

Child psychologists are also noticing, and they’re concerned—not for me, but for my kids.

https://imasdk.googleapis.com/js/core/bridge3.588.0_en.html#goog_1294445292

exp-player-logo

2023

Our tech tools have become essential for our work, play and comfort. My phone is my research assistant, as well as my yoga teacher. It gets me to meetings on time, reminds me to call the dentist, deposits cheques, encourages me to take deep breaths—it even tracks my hormone cycles so that I only have to experience them, not be attuned to them.

But these devices aren’t as benign as we all thought when we opened their stiff boxes and gloried in the shiny glass screens in which we could check our lipstick. They have been designed to capture our attention and keep us coming back to monitor the popularity of our status, read our most recent notifications and find out the latest trending stories. We pick up our phones as many as 150 times per day, creating short interruptions in our real-world relationships. This has experts wondering: Are smartphones impeding the critical human connections that for millennia have been the primary way parents have transferred rules, skills and social norms to the next generation?

Devices are interfering with development

Humans learn best through person-to-person, in-the-flesh interactions. Jeanne Williams, a child psychologist and play therapist based in Edmonton, explains that this interaction-based learning begins long before a child is verbal. At birth, a baby’s brain has a hun­dred billion neurons, most of which are not connected. The neurons begin to form connections with one another when the child engages with their parents and others around them—for instance, when a baby smiles and their parent smiles back, or a baby cries and a parent responds with a hug.

These types of reciprocal exchanges are known as “serve and return” interactions, because they work like a game in which a ball is volleyed back and forth. The child sends a signal, and the parent responds. Serve and return helps connect neurons in the brain to support language and communication skills, and as a child grows, these interactions help them learn emotional control, as well as important non-verbal emotional cues (for instance, what anger and happiness look like). The more responsive we are to their elemental attempts at communication, Williams says, “the more they learn the world is a pretty safe place.”

But for all of this learning to happen, the “served” communication must be promptly “returned.” While I’m no sports fan, even I know there is no game if one team stops bumping back. And that’s exactly what happens when our devices interrupt our interactions with our kids. Researchers at Boston University School of Medicine observed that when parents were distracted by a device at dinner, they had 20 percent less conversation with their kid and 39 percent fewer non-verbal interactions.

The tech interruptions start early on in our relationships with our kids, disrupting even little things like eye contact. And the consequences are real. University of Cambridge researchers have found that when mom and baby lock eyes, their brainwave patterns sync up so that scans of their brain activity look very similar. Researchers concluded that gaze powerfully signals to the baby that mom is available and interested in communicating, and the baby in turn will make more vocalizations and greater attempts to interact.

So when breastfeeding moms use devices to pass the time, lactation consultants are worried they’re missing those critical bonding opportunities that come from looking their babies in the eye. It’s true that texting or social scrolling can connect us to friends and family at a time when we’re isolated and feeding on the couch, but by getting lost in notifications and never-ending pictures of other people’s super cute babies, we miss out on the connection our babies may be trying to have with us.

Missed opportunities continue as our children begin to process emotion through conversation. “Often, the effect of looking down at a screen can eliminate the opportunity and space kids need to say what’s on their mind,” warns Williams. That’s why, when I drive the kids to school and activities, and have no distractions, they become exponentially more open to sharing stories about their day.

As kids grow, being available and responsive also helps them learn emotional regulation. “When a kid is distressed and you completely ignore them, their distress is going to grow,” Williams says. “They won’t build neural pathways that teach them how to soothe themselves.”

The inconsistent and unpredictable responses that often evolve from tech distraction (sometimes I ignore you; sometimes I don’t) can be especially harmful to kids. Tracy Dennis-Tiwary, professor of psychology at Hunter College and the Graduate Center of the City University of New York, decided to measure the effect. She had parents self-report their normal technology use and their child’s temperament. The children whose parents used their phones more had a harder time reconnecting with their parents and displayed fewer signs of happiness and curiosity overall. What this means for kids’ emotional health later in life is of concern to Dennis-Tiwary: “If we disrupt our one-on-one time by disappearing into our smartphones, then they will learn to disconnect in similar ways.” She fears that parents’ cellphone use is teaching kids that technological distraction is the way to handle boredom and negative feelings. “If our children learn to navigate these challenging moments with devices, they may have fewer and less flexible strategies at their disposal to cope with day-to-day social ups and downs.”

And if this weren’t enough to jolt me from my scrolling-induced reverie, there are also the physical consequences of distracted parenting. One study matched hospital data against the slow rollout of 3G cell networks in the US. When cell service became available, local hospitals reported a 10 percent spike in emergency room visits for kids under six. The study’s author argued that it wasn’t because kids were involved in riskier activities; it was because parents were distracted.

Competing for attention

It’s not like distracted parenting is new. From constantly watching for predators in our early cave-dwelling days to dealing with gruelling work weeks during the Industrial Revolution, parents have always had activities that pulled their focus from their kids. Tech-induced distraction is also not new—parents of previous generations had car radios and sports on TV. However, today’s technology is designed to draw us in and follow us wherever we go. Vast amounts of money and science go into playing on our vulnerabilities in order to attract and keep our attention. Unfortunately, it seems to have a detrimental effect on our ability to focus on anything else. In fact, according to one study, my goldfish now has a longer attention span than I do.

With such a well-funded and successful campaign to capture our attention, how can our kids compete? They try. Brandon McDaniel, assistant professor in Human Development and Family Science at Illinois State University, has studied “technoference,” as he has dubbed it, since 2012. In a recent study published in Pediatric Research, he observed that the more parents were distracted by tech, the more kids acted out. But it didn’t stop there; it became a cycle. As kids acted out, parents became stressed, and when parents were stressed, they turned to technology, which, of course, only led to more acting out. He empathizes with parents who are just responding to pressure in our hyper-connected world, but he feels it is important to sound the alarm: “We are allowing tech to interfere with our relationships, and that feeds back into how our children are doing.” Don’t I know it: My kids get louder, get closer, grab my chin and suddenly, I pay attention—but usually it is only to ask them to settle down.

Scaling back screen time

While I can’t give up my phone, I want to manage my distraction. McDaniel suggests I start with analyzing my phone use. By downloading a few apps (I tried Moment, Mute and RealizD, but Apple’s iOS 12 also has a Screen Time feature), I’ve been able to track my usage and the number of times I pick it up. The analytics tell a story about my emotional, social and professional reliance on my phone. I’m most vulnerable to being distracted by my phone after I post on social media or in the late afternoon when I’m tired from the day (and, unfortunately, just when my kids return from school).

McDaniel says we have to take the time to create strategies to better manage our tech use. I decided to set a tech-free zone at the dinner table and in my bedroom, but McDaniel discourages a one-size-fits-all approach to managing the distractions: “Tech-free zones work differently for every family.” He encourages families to consider when and where tech-free times would work best for them.

Most phone-use tracking apps come with goal-setting tools, and when I ask Williams about what goals she recommends, she says, “Try to have some regular time that you are 100 percent focused on your kid.” Start with scheduling one or two playtimes every week. That might mean 20 minutes of playing catch in the front yard or swimming at the pool, but whatever it is, commit to no distractions. By being really present, she says, “you’re primed to hear if your kids have something to talk about, or see a scowl and have the availability to ask, ‘What’s up?’”

Williams also urges me to limit my unnecessary screen time, like surfing social media after the kids get home from school. “It’s OK to use our phones to chill out, but try to keep it to when kids are in school or in bed. Ask yourself, Do I really need to be on here?”

But what about all those times when looking up an address, turning on music or finding a recipe is necessary? Although I need to do these things, to my kids, it all appears like distraction. Without the visual and audio cues I had as a child—when I could see my parents looking at a map or going to the post office—my kids are often left in the dark as to what I’m doing or planning.

To combat this, I say out loud what I’m up to so they know I’m arranging their summer camp registration or finding the perfect birthday cake recipe. This way, they know when they can interrupt. When appropriate, I’ll mirror my screen on the TV, so we can meditate together on Headspace or edit pictures collaboratively. Williams says kids love being included when we’re trying to solve problems and often have ideas of their own. “Talking with your kids about the struggle you are having to achieve balance with your technology is a huge opportunity to learn together with your kids what balance looks like for your family.”

McDaniel’s final piece of advice is simple: Look up. “If your child walks in to get your attention, look in their eyes instead of looking at your device.” Adults understand that a person focused on their phone is distracted or attending to another task, but McDaniel says young children can’t comprehend that their parent still values them over technology. By looking your child in the eye, he says, “You’ve shown them that you are listening, and they are learning that the device doesn’t have more value than them.”

The other day, McDaniel’s advice came to mind when I found selfies of my 11-year-old daughter on my phone. They were blurry photos in very close range of her eye. It was as if she were saying, “Look at me.”

I took it as a reminder to look up. There’s no app for that.

This article was originally published online in December 2018.

Chap 10 – His Ex

26 Saturday Nov 2022

Posted by webbywriter1 in Book Sales: Amazon.com/Kindle Books, dating, marriage, romance, stress

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Chapter Ten – His Ex

Hmm…Mr. Wonderful has an Ex. This can be an ex-wife (wives), ex-girlfriend, ex-‘friend’, ex-fiancée, it could be his mother.

Well, how bad is that? You ask yourself and your besty friend. Well…In today’s modern society, very few people get to the altar without having at the very least one ex. That is not necessarily a bad thing. In fact, it could be a good thing in that it speaks to your beloved having some history with other women and being able to make some adult decisions about who he really wants to be with. Remember, ‘until death us do part’, can be a long time.

However, that said, what are some tell-tale bad signs about this (those) past relationship(s)?

  • He continues to talk about his ex. He brings her up, not just the once but numerous times.
  • There are continual cute antidotes about the past and their good times together.
  • He compliments her looks, her school, her actions, her decisions, her whimsical choices. Everything, in fact, about her is imbued with an almost mystical power. 
  • There are pictures of her around his place.
  • They are still friends and talk on the phone, send each other emails, stay in touch on Facebook or other social media.
  • You visit her place with him. He wants to hang out with her at this and that event.
  • He compares you to her and the end result is not good.

Stop! The warning signs are written very large here. The only sign you should be looking for is the one that says Exit in red! Because you need out of this relationship now.

Face the facts. Your guy is still in love with that girl, gal, woman (and yes, it can be his mother.) You will never live up to his fantasy of who and what she is (was). And you might as well not waste your valuable time trying. You cannot make him happy simply because you are not her.

Right here, unfortunately, your logical mind might assert itself and say, “But, she’s in a relationship, she’s got a boyfriend, husband, fiancée. She has moved on!” It doesn’t matter. What matters is that he has not and that is what counts. You will always be second best, the also ran, and the one he had to ‘settle’ for. Who wants that?

Okay, we have now leap frogged over all these issues and now it’s time for…

Chap 11 – The Wedding

You can see more of Courtney’s work at Amazon/Kindle or Kindle Vella Library.

Read more of Courtney’s writing in:

https://sites.google.com/view/webbywritercom/page-5?authuser=0

Also: Amazon/Kindle

Negotiating rental leases

06 Thursday Oct 2022

Posted by webbywriter1 in Jobs and the workplace, money, stress, Uncategorized

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In the time of run away rent increases, lack of government controls and rising inflation, it is time for renters to start thinking about negotiating the terms of leases. Attorneys who deal with landlord disputes often get called in only when an eviction is looming. It is time for renters to unite, form blocks of renters unions and set clear guidelines for reasonable, rather than unreasonable, rent increases. My rent has increase 40% in four years. The ‘normal’ amount of increase should have been 12% to 16%. And as always, wages have not kept up.

Negotiations of Leases Between Residential Renters and Landlords


  • GUIDE TO LANDLORD AND TENANT LAW

https://www.hg.org/legal-articles/negotiations-of-leases-between-residential-renters-and-landlords-43918

Renters and landlords are often at opposing ends in real estate transactions. Many landlords have a standard lease form that they use for all tenants. However, there may come times when a renter wants something other than what is in the boilerplate language a standard lease agreement contains. The renter or the landlord may wish to negotiate different terms. Some ways to accomplish this include:

Understand the Motivations of the Parties

Renters and landlords may have very different interests and motivations. A renter may be in a time crunch and may need to move quickly. A landlord may have had a vacant unit for some time and may wish to fill it. The process can get even more complicated when a leasing company is involved. This company often gets paid every month regardless of whether the unit is vacant or not. If the unit is not filled, it is paid for looking for a renter. As such, this company may not be under the same pressures as an independent landlord. Therefore, an independent landlord may be more likely to negotiate than a leasing company. Even if a leasing company is willing to negotiate, the person showing the property may not have the authority to negotiate with the renter.

Research

Research is a fundamental component to any negotiation. The renter should educate himself or herself about the real estate market in the area before signing his or her lease. This includes investigating the respective costs of other units in the area of similar size and style, looking at the amenities that different locations provide and whether there are many vacant units in close proximity that represent competition to the landlord. By being armed with this information, the renter will be in a better position to negotiate more favorable terms.

Identify Strong Characteristics

The renter can also make his or her case better if he or she can show positive characteristics that he or she offers. For example, if the renter has a strong rental history, he or she can point out this information. Landlords prefer stable renters who pay on time, take care of the unit and have stayed on the property for quite some time. By providing solid references from former landlords, a renter can be more persuasive.

Offer Something in Return

If a tenant is looking for something in particular, such as a lower security deposit, lower rent or more amenities, he or she can offer something in return. Some tradeoffs that the renter might be able to make is to sign a longer lease, such as for 18 months or two years instead of a six-month or 12-month lease, paying more in a security deposit or paying advance rent or giving up shared space or a parking spot that is unneeded.

Examine Other Options

One important aspect of negotiation is having other options open so that the targeted location is not the exclusive choice. This gives the renter leverage and options. Additionally, if the negotiations do not go well for the renter, he or she has another option. This requires the renter to actively look for other units that will fit his or her needs.

Consider Preferred Provisions

Once the renter has all of the research completed and points to negotiate, he or she should carefully narrow in on the new terms he or she wants in the lease. He or she may want an option to sublease the unit in the event that he or she has a job change or wants to move before the end of the lease term. This provides additional protection in case one of the offers the renter makes is a longer lease term. The renter might want an option to renew the lease based on the current or new terms.

Carefully Review the Lease

After the negotiations, both parties should carefully review the lease. This will help ensure that the agreement the parties made is actually memorialized. The parties should carefully check provisions related to payment, who is responsible for repairs and maintenance, insurance information and how absences are treated. Both parties should be clear on who pays for what. If the contract has to be enforced in the future, the terms of the lease will be what the court examines.

Seek Legal Assistance

Negotiating a lease can be complicated. It is a legally-binding contract between the parties with legal consequences. To protect their interests, many renters enlist the assistance of a real estate lawyer. A real estate lawyer can review and negotiate the lease.

Provided by HG.org

Read more on this legal issue
Angry Renters, a Management Company and Damages Owed
Why Landowners Decide to Ground Leases


Disclaimer: Every effort has been made to ensure the accuracy of this publication at the time it was written. It is not intended to provide legal advice or suggest a guaranteed outcome as individual situations will differ and the law may have changed since publication. Readers considering legal action should consult with an experienced lawyer to understand current laws and.how they may affect a case.

©1995-2022 All Rights Reserved HG.org Legal Resources – HGExperts.com

Rental Poverty

17 Friday Jun 2022

Posted by webbywriter1 in Jobs and the workplace, money, stress

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Rental Poverty 

How much of your monthly income should go to rent?

https://www.chase.com/personal/banking/education/budgeting-saving

In the days when I lived and worked in the LA area, I lived in ‘The Valley’ (San Fernando Valley) and commuted into the ‘city’ to attend meetings, hearings, speak with people, so on. Part of my beat was Beverly Hills, Century City, Belair, West Hollywood, etc. All the very exclusive areas. I mostly used the 405 freeway, sometimes the 101 and some side streets. The commute to the city would start before 8 am and the commute back from the city began at about 2 pm. In all this stop and go traffic, I began to observe certain things.

What I began to see (when I paid attention) was the large number of pickup trucks, driven by men, with various tool boxes and gear in the back. I would see the trucks going south in the am and see the same type of vehicles going back north in the pm. Back ‘north’ was the Valley and then further north, Santa Carita, Canyon Country and further north, Victorville. I began to realize that the middle class folks, to include the butchers, bakers, and candlestick makers, could not afford the ‘city’ and were migrating north to affordable housing. In that commute, they were taking their skills with them.

It appeared that the 45 minute to 2 hour drive (depending on the time of day) was adequately offset by their work compensation so, they kept doing it. I began to realize something else. In Beverly Hills and neighborhoods of the like kind, the people who could afford to live there were the rich, the people who cleaned their toilets and washed their cars. No one else.

What happens when the housing is so expensive that no amount of commuting will offset the cost? There are areas in California now like Oakland, Santa Cruz, places in the Silicon Valley, where the cost of living is so great, they cannot attract workers. I was at the swimming pool recently and a young man shared that he had just taken an engineering job in that area. I know that he must be making pretty good money, however, he indicated the price of rent was ‘eating his lunch.’ I wonder how long he will last?

Three and a half years ago I left California, my home state, to come to Arizona. It had become  impossible to live on retired pay plus part-time jobs with the cost of living. When I came here my rent was a comfortable 26% of my salary. Now in just 3.5 yrs, it has jumped to an uncomfortable 34% of my salary. During the same time period, my salary cola increases have been 3%. That plus the rising cost of gas, I am having to check the fridge to see if I have enough food.

Who does this benefit? Well, the landlords of course. But what happens when the cost of living drives out your middle class and you don’t have anyone to fix your expensive houses, expensive cars and teach your children. Who wins? Try no one.

Greed has its price. One that I don’t think our society has even begun to calculate.

Article: Chase Bank

Ideally, your monthly rent payments should leave you with enough money left over for bills, groceries, a bit of non-essential spending, and even savings. Here’s how you can figure out how much of your income should go towards your monthly rent.

What percentage of income should go to rent?

The 30% rule

A popular standard for budgeting rent is to follow is the 30% rule, where you spend a maximum of 30% of your monthly income before taxes (your gross income) on your rent. This has been a rule of thumb since 1981, when the government found that people who spent over 30% of their income on housing were “cost-burdened.“

Under 30%

The 30% rule is a general guideline that renters can follow, but they should also take into account other expenses and factors. For instance, if you have credit card debt or student loans to pay off, consider finding an apartment with rent below 30% of your monthly income, so you can put more of your budget toward reducing your debt.

Why you shouldn’t spend over 30% of your income on rent

If you have to spend over 30% per month on rent, you’ll have less money left over for bills and important purchases, making it more difficult to build savings. Make sure that your monthly rent payments don’t prevent you from paying off credit card debt or loans: your rent shouldn’t cause you to fall deeper in debt.

If 30% doesn’t work for you

The 30% rule does not always perfectly align with your budget. When determining how much you can reasonably pay in rent per month, there are some other things to consider before you say no.

Try the 50/30/20 rule

The 50/30/20 rule is a popular method to follow when determining your expenses in your monthly budget. The rule entails spending 50% of your monthly income on essential expenses such as rent, monthly bills, and groceries, spending 30% on non-essential purchases such as going out to eat, and putting 20% into your savings account. If your rent pushes above 30% of your gross income, by limiting your monthly bills, you may be able to keep rent + bills less than 50%.

Work down loans and debt

When you have considerable debt to pay each month, putting 30% of your income towards rent may still be too much. While finding a cheaper place to live can help you afford all of your essentials, consider working through debt reduction programs to shrink your monthly debt payments so you can put more money towards where you live.

Tidy up your spending habits

If you frequently eat out at restaurants, spend money on entertainment, or travel, consider how these expenses affect your monthly budget. If you would rather live in a more spacious apartment or more appealing neighborhood, cutting back on these extras can help you afford your new space.

Think about where you live

If you live in an expensive area, you may have to spend more than 30% of your monthly income on rent. To maintain a balance in your monthly budget, find ways to decrease your spending in other areas to live comfortably or find other areas to live in for less.

How to calculate 30% of your available income for rent

To find your gross monthly income, take a look at your most recent paycheck and find the line calling out “Gross Pay” (what you’re paid before taxes, health insurance, 401k, and any other benefits are removed from your pay).

Calculate your monthly Gross Pay

If you receive a paycheck every two weeks: Multiply your Gross Pay by 26 (to see your 52-week Gross Pay) then divide that number by 12 (to see your monthly Gross Pay).

If you receive a paycheck twice a month: Multiply your Gross Pay by 2 (to see your monthly Gross Pay).

Does 30% work for you?

If 30% of your Gross Pay is more than you’re currently paying each month in rent, then you’re at a safe level for housing. If 30% of your Gross Pay is less than your monthly rent, many financial professionals would suggest that you find a more affordable home

How to reduce your rent to 30% or less of your income

Split the rent with roommates

Sharing an apartment with roommates can help bring down the monthly rent costs per person. If you can find one or more roommates to comfortably share an apartment with, you immediately save a bit on your rent.

6/17/22 Courtney Webb

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