I'm going to be the lone dissenter about paying for grades. I feel like that would encourage kids to sign up for classes where they could get an easy A, rather than that AP Chem class.
@moreadventurous Top 10 cities by population in the US: 1. NYC 2. LA 3. Chicago 4. Houston 5. Philadelphia 6. Phoenix 7. San Antonio 8. San Diego 9. Dallas 10. San Jose At least half are arguably not East or West Coast! (I know Nicole already admitted error but I'm driving this point home anyway bc I'm a jerk)
omg now i want to do this. but i shouldn't, because i'll tweak it forever and go down a black hole. i would totally add makeup to it, too. i always bring too much lipstick on vacation. also, i hated dresses as a child and now almost always wear dresses.
I prefer bringing lunch because I find it's much easier to get food that's delicious, affordable, and reasonably healthy when you cook for yourself. You can get just 2 of those 3 characteristics from the lunch places near my office. It often seems like the only healthy option at places that aren't sit-down restaurants is salad, and salad is the worst, especially in the winter. I almost always bring dinner leftovers, not sandwiches or frozen meals.
@ronswansonluva Maybe not in one year. In the ten years I've lived in a city, I've seen many friends make renters insurance claims, either because of weather destroying their stuff or fires or (mostly) robberies. In ten years, maybe a third of my friends have had to make a claim or have been in a situation that would have benefited from renters insurance that probably exceeded the $800 paid over the course of those ten years. I don't know if the statistics bear it out, but it happens often enough that I don't feel safe without it. And I do have a lot more stuff than you, so it would cost a lot more to replace it.
@ronswansonluva Yeah, but if your neighbor lights the building on fire (this happened to me), you'd have to move somewhere and would need furniture for it. I don't know if you live in a furnished apartment or someone gave you the furniture, but if it's the latter, I wouldn't want to count on their repeated generosity. Or limit myself to moving into another furnished apartment. If you're using your roommates' furniture and you plan to move with them, at least they should have insurance. And you'd need a place to stay for several weeks while finding a new place to live. Also, you could be broken into, even on the fourth floor. But, if you really have that little stuff, and could adequately start your life from scratch from your emergency savings (it's not just about how much your stuff is currently worth!), you might not need it.
I would just make sure that it's replacement value, and then go for it if you think $5000 is enough! Also: you don't just have to worry about accidentally setting your own apartment on fire. We live in apartment buildings with other people! Next to apartment buildings full of other people! These people could be wildly irresponsible. That's how my apartment burned down--it started in a neighboring building and spread. Even if you are very responsible about fire safety, you definitely can't control the irresponsible behavior of the potentially terrible people you share walls with. Hence: insurance.
Nope, I still don't think I'm transparent enough to do this. But, I spent a lot of time last night setting up Mint and making a budget that I *think* will work, despite several aggressive saving/debt paying goals and my unwillingness to give up my life of moderate luxury.
@ronswansonluva I realize I can only speak from my experience with my insurer (USAA), but there are definitely insurers out there who don't require receipts for everything. Most people I know who filed claims didn't need receipts. It's something to ask about/research as you're shopping around for renter's insurance.