Read More: How the Endangered Species Act Helps Save Humans, Too. Pollinators like the rusty patched bumble bee play an essential role in maintaining the food supply, with bees in the U.S. pollinating more than 90 commercial crops including nuts, fruits and vegetables, according to an Obama-era White House report.
When it comes to leasing an apartment, required credit scores usually are lower than that which is required for mortgage loans. While not all landlords check credit histories, be prepared just in case. Typically, a credit score of 620 or above will allow you to obtain an apartment lease with relatively little trouble. Apartment leasing sources say that credit scores lower than 620 receive a high risk of default rating along with a leasing denial.
Rent to Income. Landlords typically require that your annual income is at least 40 times the monthly rent. For example, if you and your roommate are looking at a $3,000 per month apartment, the landlord would require a combined income of $3,000 Ã 40, which equals $120,000. To determine how much rent you (and your potential roommates) can afford, simply divide your combined annual incomes by 40. How Much Rent is Affordable? You may have also heard that you should spend no more than 30 percent of your annual income on rent. Spending 30 percent of your yearly income on rent is widely believed to be an affordable amount, leaving enough money for all your other expenses. Got bad spending habits? How to manage your expenses in NYC