Supermarket pays homage to Chicago

Grocery shopping is more often than often seen as an errand to run, rather than something fun to do.

However the Whole Foods located in Chicago’s Lincoln Park neighborhood offers more than just groceries.

The store is unique in that it pays a homage to the city of Chicago. The store’s walls are plastered with historical facts about the city and different food aisles and features are named after Chicago landmarks.

One of the most popular features of the supermarket is its indoor food court, which offers many take-out options that cater to different tastes and palates. The store also offers cooking demonstrations throughout the month.

Its location is also unique because it overlooks the Chicago River. An outdoor patio is opened for its customers in the summer time.

The Lincoln Park Whole Foods is on Kingsbury Street and North Avenue, a few blocks west of the CTA Red Line North and Clybourn station.

Here’s a look at a supermarket unlike any other.

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The “Triple F” : the Financial Side of Apartment Hunting

Looking for an apartment is not an easy process.

Not only does it involve finding a place that will meet all the needs and necessities of you and your future roommates, there are a lot of financial aspects involved.

Here are the five financial factors (or triple F) that you should take into account when looking for an apartment:

1. Application and Application Processing Fee

Once you find an apartment, you have to apply for it. Apartment buildings usually have a fee with their applications, so remember to save money for that fee. Sometimes the application fee can be split between all people planning to live in the apartment, or each person applying to live in the apartment may all have to pay the same fee. Some buildings also charge processing fees, along with the application fees. These processing fees are usually non refundable. In some cases, the processing fee may be higher than the actual application fee.

2. Security Deposit

Once you get approved for the apartment, you will have to pay your landlord a security deposit. This deposit ensures that you will take care of your living space until your lease is up. When your lease is up, and it is time for you to move out of the apartment, you get your security deposit back if nothing in your apartment was damaged. Different buildings have different rates for a security deposit; some places use first month’s rent as a security deposit. Be sure to also save money for this.

3. Credit Score

When processing your apartment, the leasing property or landlord will run a credit check or you and your potential roommates. So find our your credit score in advance of when you apply for the apartment! There are several ways for you to find out your credit score. Just because you don’t have a credit card doesn’t mean that you don’t have credit. Credit can be racked up just by having a job. If you don’t have credit, it is more than likely the landlord will request that you have a co-signer on your lease.

4. Employment

Obviously, if you are looking for an apartment, your application will have a section on it talking about your current employment or your employment history. The section will also ask about how much you make at your place of employment. If you don’t currently have employment, or don’t plan to find employment, it will be just like not having a credit score and the landlord will request that you have a co-signer on your lease. If you don’t currently have employment, it would be wise to provide the landlord with a reason as to why you are not currently employed.

5. Utilities and Renters’ Insurance

Don’t forget to activate all utilities (if the costs are not already included in your rent) and ensure that you have rental insurance before you move in to your apartment. If some of all of your utilities are not included in your rent, then you will need to take the extra steps to set them up and to budget these utilities on top of your rent. Getting renters’ insurance is also an additional step in which you and your potential roommates need to find the best deal that is right for you.

VIDEO: New Water Tower Campus Workout Facility

Halas Sports Center is the only full fledged workout facility at Loyola University Chicago. It is located at the Lake Shore Campus.

The only workout facility at the Water Tower Campus (WTC) is located in the Baumhart Residence Hall, and is meant only for students living in that particular residence hall.

Now WTC will have a place to work out. Earlier this semester, the two study rooms on the third floor of the Terry Student Center were closed down, in order to be renovated into a gym.

Construction has officially started on the facility and the gym is expected to be ready just in time for the 2013-2014 academic school year.

A new gym at WTC will allow students, staff, and faculty members who spend the majority of their time at the downtown campus the chance to enjoy a workout center, so they can cater to their own personal health, wellness, and exercise needs.

Loyola News Reporter Kim De Guzman gives us a behind-the-scenes look at the ongoing construction and its effects on students. She also discovers some students and staff members don’t believe the new gym will be used.

Why Sublets are a Viable Option for Temporary Housing

“SUBLETTER WANTED: 2 BEDROOM APARTMENT IN NASHVILLE, TN female only”

“Sublet needed from May to August: great area near Columbia College!”

“TEMPORARY LIVING SITUATION: GREAT FOR STUDENTS AT LOYOLA”

These are common advertisements listed on Craigslist for potential subletters in different cities.

Finding a temporary place to live in a different city may be an overwhelming process. This is especially overwhelming particularly if the student has never had to look for a place to live before, outside of the residence hall option.

Thankfully, students have the option of sublets. By definition, subletting is where a lease holder leases out their apartment/room/part of their house to another person for a temporary period of time.

When a person sublets, they may only be paying rent for a particular room in an apartment or house, rather than an entire apartment. But in other cases, a group (or at least a couple) of students could sublet an entire apartment for the summer.

There are many reasons why a person needs to sublet their apartment. Maybe a student is graduating and is moving back home, but the lease on their apartment is not expired yet.

Sublets are particularly ideal for college students spending a temporary period of time in a different city for various reasons.

For example, if a student originally attends Loyola, but they are spending the summer in Washington DC, doing an internship, it would be ideal for them to sublet from somebody.

There are many ways a college student in particular can find a sublet. One of them is Craigslist. Another popular website is sublet.com.

Some universities also hold “sublet fairs,” where students can get together and advertise their services in public. Students can advertise that they are looking for a subletter, and potential subletters can find their perfect temporary living space.

Here is a helpful guide to subletting your apartment.

Being accountable (literally) for educating yourself about personal finance

Late last year, there was a post published in the Huffington Post’s Money Blog. The post—written by Ben Mulling, the chief financial officer at TENTE Casters, Inc.— details the Four Steps to Educating Students about Personal Finance.

Mulling’s main message of the post is that college students must take personal accountability for educating themselves about finances. He believes that this lack of personal finance education is what leads students to make so many financial mistakes early on in their lives. Mulling cites that only 22 percent of students understand how income taxes work, and only 31 percent understand how credit card interest works.

Mulling’s message of the post resonated more so with me now than ever. Less than three months from now, some of my very close friends will walk away with bachelors degrees. They’ll also walk away with a substantial amount of student loans to pay back; some of them will also walk away with credit card debt.

Students are ultimately responsible for educating themselves about personal finances. Whether it’s getting a job through their college years, opening a savings account, filing taxes, or buying saving bonds, it’s up to the student to fully understand the financial consequence and effects of these decisions.

Personal finance, however, is not the subject students are jumping and down to learn.

Perhaps the most helpful piece of advice that Mulling offered in his article was for students to force themselves to take personal finance classes in college.

In college, students obviously see the world in a different way than when they were in high school. Which means that college students also have a different view on personal finance than high school students.

According to Mulling, money problems are often a leading cause of stress in adult life. If students take the time to educate themselves about finances now, they will be knowledgeable about taking care of their money while they are growing up.

Students discuss benefits of off campus living

Moving out of the residence halls is an overwhelming experience for college students. When students decide to live off-campus, they are now responsible for finding their own place to live, a job to pay for the apartment, a location to live, and people to live with.

Despite the complexities of off-campus living, there are different benefits when students choose to live off campus. Some students choose to live off-campus because it gives them a sense of responsibility and more independence. However, other students question if it’s worth it to pursue living on their own because they’re not sure of the resources available to them while they live off campus.

Loyola News Reporter Kim De Guzman talks to Loyola students about the benefits of off campus living.

Listen to the full story here: Off Campus Living Benefits by Kim De Guzman

Read the story script here: Radio Story Project Script

 

 

 

Five Ways to Enjoy Spring Break in Chicago on a Budget

It’s the week before spring break at Loyola University Chicago and students are excited, despite the lack of spring weather, and how cold it is outside.

However, a student’s finances have made it difficult for students to travel during this 10 day vacation. So some students will end up spending their spring break on campus with friends.

It’s not a bad thing though, considering Chicago is our backyard. We can grab a group of friends, jump on the el, and there’s always something for us around the corner. But Chicago can prove to be an expensive city, particularly in the Loop.

There’s a lot to do and see in the city, and there’s also a way to ensure you won’t break the bank by enjoying it.

Here are five ways to enjoy the spring break in Chicago on a budget:

1. Enjoy Chicago’s free attractions.

Lincoln Park Zoo, Navy Pier, and Millenium Park (all three famous tourist attractions) have free admission. The Shedd Aquarium and Art Institute of Chicago also offer “free admission days” every month.

You can also take a walk around the Buckingham Fountain (not in season) and Grant Park. Walking around Chicago’s neighborhoods doesn’t cost any money either.

You can even walk up and down the Magnificent Mile and window shop as much as you’d like. It won’t cost you a penny.

2. If you live on-campus, be sure to use your meal plan.

The Loyola meal plans can be used at several campus dining establishments over the break. For students with a declining balance plan, they can use their plan to purchase food for their non-Loyola student friends. For a list of dining hall spring break hours, visit the Loyola Dining website.

Students can also use their declining balance plan to purchase groceries from Southside Market or in the Terry Food Court. Both markets also sell various toiletries and snack food items.

3. Create a “spring break money management plan” ahead of time.

Two weeks before spring break begins, sit down and create a plan for the things you will be spending money on during the break. This list could include food expenses, attractions, or other things like laundry.

Making this list will allow you to stick to a more concrete budget. It will also allow you to make plans to spend the money accordingly.

4. Enjoy a night -or several- in.

Although it is spring break, there is a lack of spring weather outside. This calls for a night (or several nights) in.

This is a cozy alternative. You and a group of friends could plop on the couch, order takeout, and pull up Netflix.

5. Look up deals for food and attractions on websites.

LivingSocial and Groupon are popular websites offering deals for Chicago attractions. GrubHub and Seamless, both food delivery services, also offer online promotional offers.

Being a student has its perks. There are many student discounts in the city. If you’re at an establishment, it won’t hurt to pull out your student ID and ask if a discount is available.

5 Steps to Beginning or Maintaining a Fitness Regimen

Although winter doesn’t show any sign of slowing down soon, it’s still important to stay on top of your physical fitness and wellness. Sure, it may be a bummer to work out in a confined space inside a gym, especially if you’re used to exercising outside. But both of Loyola‘s campuses (Lake Shore and Water Tower) offer work out spaces.

Fitness usually falls to the wayside during the winter months, what with your body is running on less energy than it’s used to. This is because the sun isn’t out as often during the day, like it is in the summer time. This could be detrimental to the health and wellness of a college student.

And hey, look at the bright side, if you keep up your fitness routine during the winter, you’ll be ahead of the game when swimsuit season hits in a couple months. Maybe fitness will become your new hobby and you’ll pick up new friends along the way. Who knows? Maybe the gym will even become your second home.

       Here are 5 Tips to Beginning or Maintaining a Fitness Regimen:

       1. gym_cartoon_1Block out a specific time dedicated to the gym.

Whether you want to work out once a day, or only once a week is up to you. Whether it’s a Friday morning at 3 AM, or Sundays and Wednesdays at 7 AM, or even at 7 PM every day is all within your control. The key point of this step is consistently. Be sure that the timeslot you pick is one that you can consistently use to hit the gym.

 

 

 
mba0067l     2. Find a workout buddy.

They say a friend is the best motivator you can have. And I couldn’t agree more. Not only will they motivate you to be better, but they will hold you accountable if you keep missing your regular gym appointment (see Step #1). This is particularly helpful if you recruit a member of your posse who is also looking into getting into shape.

 

 

 

 

 

       gym-cartoon3. Decide what it is you want to improve on.

Do you want to lose weight? Do you want to get used to doing cardio exercises frequently? Like Step #1, this step is also completely within your control. It’s your body, so you know what its best interests are.

 

 

 

 

        fit5 4. Set a concrete goal.

Everyone’s goals are different, depending on what they want to work on, in terms of their physical fitness. If you’re just beginning to get in shape, maybe you just want to stick to cardio once or twice a week. Or maybe you want to train for a marathon. Either way, it’s important to have something to work for.

 

 

 

 

 

        2003-05-155.  Sign up for some group fitness classes

If you’re looking to get motivated on a higher scale, then group fitness classes are perfect for you! There are many different types of group fitness classes, with the most popular ones being yoga, spin, zumba, and pilates. Loyola’s Halas Sports Center offers their own group fitness classes. This is particularly helpful for students because these classes are free.

      Photos taken from Creative Commons.

SLIDESHOW: The Chicness of Personal Finance

Capital One 360 is the closest bank to Loyola University Chicago's Water Tower Campus. /// Photo by Kim De Guzman

Capital One 360 is the closest bank to Loyola University Chicago’s Water Tower Campus. /// Photo by Kim De Guzman

College is the time where young people are tested in terms of financial responsibilities. There are many expenses that a college student is responsible for: bills, tuition, rent, textbooks, gas, school supplies, car/health insurance, etc.

74% of college students work part time so they can offset tuition costs. A lot of students are left to their own devices when it comes to personal finances and learning to save money. When it comes to selecting banking institutions, students either sign up with the banks their parents use or they search for banks local to where they attend school.

Bank of America and Chase are two of the leading banks for college students. But lately, it’s becoming cool to “be in the red.”

Red, as in Capital One 360.

Capital One 360 is changing the face of personal finance for college students. Formerly ING Direct, 360 not only touts itself as a bank, but as a cafe. The cafe aspect of the bank is open to anybody, not just bank customers.

However, those who bank with the company get free coffee, pastries, or other drinks on the house. Students (or anyone else for that matter) can open a savings account without an specific initial deposit.

Because the Chicago cafe branch is literally just steps to the Loyola University Chicago Water Tower Campus, Loyola students also receive a discount. Many Loyola students who don’t bank at Capital One tell me they go there for the coffee shop atmosphere or better yet, get quality coffee and pastries that are catered to their budget.

Here’s a look inside the Chicago 360.

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