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Rental Report: Earth-Friendly Living In Bethesda

Rental Report

Editor’s Note: This biweekly sponsored column is written by Rick Gersten, founder and CEO of Urban Igloo, a rental real estate firm that matches up renters with their ideal apartments, condos or houses. Please submit any questions in the comments section or via email.

These days, earth-friendly living tips are everywhere. Most people know the basics: Change the light bulbs to LEDs, use non-toxic cleaning products, take reusable bags to the grocery store and of course the 3 R’s — reduce, reuse, and recycle. We have a few more suggestions for taking care of Mother Nature and yourself while living in an apartment.

Size, Direction and Windows — When looking for a place, consider a smaller unit. A smaller apartment is easier to heat and cool.

Think about the size of the windows. We all love a lot of light, but floor to ceiling windows may be an issue if not properly insulated, and of course the extra light generates heat, which requires more energy for cooling in the summer. The extra heat may be welcome in the winter, but if not properly insulated, you could be battling the winter winds coming through the windows.

Same theory goes for the direction of the windows. If the apartment gets the afternoon western sun, it’s going to get much warmer in the afternoon. If you really like having that afternoon light on the weekend, you can at least keep the blinds closed during the week when you are at work to help keep it cool.

Recycling – We mentioned recycling above, but sometimes the building recycling doesn’t accept all items. Think about items such as water filters, compact fluorescent light bulbs, ink cartridges and electronics. Most likely, you have to go the extra mile for these items.

Water filters like a Brita filter can be recycled through the Gimme 5 Program (which has drop bins at most Whole Foods locations). Gimme 5 also has an app with which you can earn Recylebank Rewards for dropping off your items.

Montgomery County accepts most electronics (up to 15 items per day). Take your compact fluorescent light bulbs to your local Lowe’s or Home Depot, as most have bins to recycle those. While you are there you can check to see if they have battery recycling. You didn’t think you were supposed to throw those in the trash did you?

How about earning cash rewards for recycling ink cartridges? Both Staples and Office Depot will take your ink cartridges and give you points toward cash rewards to use in their stores.

Air Quality – Most of us know changing an air filter helps with air quality and efficiency. But what else helps with air quality in the home?

Less carpet for one. Carpet and furniture are treated with several chemicals including flame retardants. Not to mention they trap dust, dirt and allergens. So finding a place with wood, concrete or tile in most areas definitely improves the air quality in the home.

Find out what kind of paint they’re using in the building. Many buildings are switching to low VOC, which stands for Volatile Organic Compounds, paints. Low VOC paint helps lower harmful chemicals in the air.

Another tip with paint, the lighter the color, the lower the VOCs because the more pigment in the paint increases the level of VOCs. (However, there are some brands that use no VOC pigments.)

The simplest way to improve air quality is to get some plants. Plants purify our air and improve mood. If you don’t have a green thumb, try plants like a Zeezee Plant, Dracaena or Philodendron, which are pretty low maintenance.

Buy Local – The local food movement continues to gain popularity, and luckily in Bethesda and the Metro D.C. area there is no shortage of local markets to pick up healthy treats. In Bethesda, you have two farmers markets to choose from: The Bethesda Central Farm Market and the Montgomery Farm Women’s Cooperative Market. Montgomery County also has several other farmers markets to choose from, making for plenty of local options. And the trek to Eastern Market in D.C. is always worth it.

Lastly, look for LEED Certified apartments. These newer apartment buildings are built to certain efficiency standards set by the EPA. They will have better insulation, building materials and Energy Star appliances. They will also use low VOC paints, and most likely have excellent recycling programs. Need help on where to find a LEED apartment in Bethesda? Find a local agent for help.

Community discussion guidelines: Our sponsored columns are written by members of the local business community. While we encourage a robust and open discussion, we ask that all reviews of the businesses — good or bad — be directed to another venue, like Yelp. The comments section is intended for a conversation about the topic of the article.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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