living off-campus€¦ · roommates tenant rights and laws and so much more. apartment sizes how to...
TRANSCRIPT
Living Off-Campus
GUESS WHAT?
YOU CAN CONTINUE
LIVING IN RESIDENCES!!
RETURN TO AN UNDERGRADUATE RESIDENCE OR APPLY
FOR A SPACE IN ONE OF OUR APARTMENT RESIDENCES
Greenbriar Apartments&
Hutchison Apartments
FIRST COME FIRST SERVE FOR ROOM TYPES AVAILABLE
CLOSE TO CAMPUS
MEAL PLANS
MAINTENANCE
SECURITY
PAY DIRECTLY TO MCGILL
GREAT LANDLORDS
FULLY FURNISHED
Living Off-Campus
WHEN, WHERE AND HOW
AREAS, SIZES AND COSTS
ROOMMATES
TENANT RIGHTS AND LAWS
AND SO MUCH MORE
APARTMENT SIZES
HOW TO READ LISTINGS IN MONTREAL
Size What that means
1 ½ One combined bedroom/kitchen/living room
2 ½ One closed bedroom and a living room/kitchen
3 ½ One closed bedroom, a kitchen, and a living room OR two closed bedrooms and a kitchen/living room
4 ½ Two closed bedrooms, living room and kitchen OR one closed bedroom, kitchen, living room and dining room
5 ½ Three closed bedrooms, living room and kitchen OR two closed bedrooms, living room, dining room and kitchen
1 ½Living room, Bedroom and Kitchen all one adjoining
room
2 ½Living room and kitchen adjoining,
separate closed bedroom
3 ½Living room, kitchen and
bedroom all separate rooms
COSTS
RENT, UTILITIES AND COSTS OF LIVING
Factor 1: Location Factor 2: UtilitiesFactor 3: Number of people sharing
the apartment
Apartment Buildings Walk-Ups
• Higher average rents • Lower average rents
• Entrance through a lobby with a secure intercom • Entrance off the street
• Heat and hot water usually included • Heat and hot water usually not included
• Garbage and Recycling room often in building • No garbage or recycling room in building
• Laundry room often in the building • Outlets for washer and dryer in the apartment though renters must often provide their own machines
For Years 2020-2024Student Expenses Plan your overall expenses and resources for your full program at McGill.
a) Input your One Year education cost and your overall two, three, four or five year program expense will be calculated.
b) Input your One Year living expenses and your overall two, three, four and/or five years(s) living expense will be calculatedANNUAL OVERALL
Expenses Notes One Year Two Yrs Three Yrs Four Yrs Five Yrs NOTES
Education Expenses
Tuition input your annual tuition to calculate your 2,3, 4 or 5 year cost $ - $ - $ - $ - $ -
Books and Equipment input your annual estimate for the cost of books and equipment $ - $ - $ - $ - $ -
Total Education Expenses $ - $ - $ - $ - $ -Living Expenses
Rent are you 100% responsible for a lease or are you with roommates? $ - $ - $ - $ - $ -
Heating/Electricity if heating and electricity are included in rent, do not input $ - $ - $ - $ - $ -
Food think about cost of eating out as well as groceries $ - $ - $ - $ - $ -
Clothing think about necessary outdoor wear as well as impulse buying $ - $ - $ - $ - $ -
Toiletries/Laundry think about necessary personal hygiene items, cleaning expenses $ - $ - $ - $ - $ -
Telephone/Cell land lines are less necessary, but think about your cell expenses $ - $ - $ - $ - $ -
Internet /Cable shop around for internet/cable deals, maybe you can do without? $ - $ - $ - $ - $ -
Transportation monthly transit passes are tax deductible, car and gas very costly $ - $ - $ - $ - $ -
Amusements think about how you have fun and what you can afford $ - $ - $ - $ - $ -
Insurances you may want tenant insurance or need supplemental health $ - $ - $ - $ - $ -
Other Expense(s) specify: i.e. travel costs, medical expenses, unexpected emergencies $ - $ - $ - $ - $ -
Total Living Expenses $ - $ - $ - $ - $ -
Total Education+Living Expenses $ - $ - $ - $ - $ -
INSURANCE
www.tdinsurance.com/affinity/SSMU
LOCATION
KNOW YOUR MONTREAL NEIGHBOURHOODS
Monthly Pass $52 .00
1 trip $3.50
The photo studio is inside the Gare d’autocars de Montreal
Access through Berri-UQAM metro stationBusiness Hours
Monday-Friday: 11:30am-6pmSaturday and Sunday: 10:30am to 5pm
STARTING YOUR APARTMENT HUNT
WHEN AND WHERE TO LOOK
Start of Lease Tenant deadline for non-renewal
Property Manager will start advertising
May 1st January 31st February/March
July 1st March 31st April
Aug 1st/Sept 1st May 31st (many landlords will find out in April or earlier)
Mid-March to September
WHEN?
Apartment for rent (Appartement à louer) The option to rent an apartment directly from owner/property manager
Roommate wanted (Colocataire) Moving into an apartment currently rented by someone else
Sublets (Sous-Logement) Taking over someone else’s apartment until the end of their lease
Lease Transfer (Transfer de bail) Taking over someone else’s lease
WHERE? Places4Students Word of Mouth
Online – Kijiji, Craigslist, Louer.com, PadMapper
Facebook Newspapers
VISITING APARTMENTS
WHAT TO LOOK FOR IN YOUR NEW APARTMENT
Safety/Security
Quality - turn everything on/open everything
Negotiate - renovations, painting
Additional Costs– Hydro Quebec, Gas, Internet,
Transport, Cable, Groceries
ROOMMATES
WHAT TO LOOK FOR IN A ROOMMATE
WHAT TO TALK ABOUT AND ROOMMATE AGREEMENTS
Level of cleanlinessLevel of noise in the apartment
Sleeping schedulesGuests
Bills: groceries, utilities, furniture RENT!
** Establish house boundaries early on before problems arise, consider a roommate agreement**
LEASESLEASE TYPES,
YOUR RIGHTS AND RESPONSIBILITIES
AND HELPFUL TIPS
Legal Illegal
Ask for a reference or a credit check Ask for credit card #s, passport #’s, bank account #’s, SIN #’s or any info about nationality or citizenship
Require a co-signer for students without income Ask for post-dated cheques
Ask for first-month’s rent upfront Ask for last month’s rent at the beginning of the lease
Ask for a furniture deposit if the apartment is furnished
Ask for any deposit other than first month’s rent
Regular Lease Sublet Lease Transfer
Length of Lease? 12 month term + option to renew
The term of the sublet agreement
The remains of the lease + option to renew
Responsible for the apartment?
You are legally responsible Former occupant is legally responsible
You are legally responsible
Negotiation Power? Can negotiate repairs or renovations before signing
with owner
As is - owner is not obliged to renovate
As is – owner is not obliged to renovate
Possible fees? No finder’s fee Possibility of furniturerental fees
Possibility of furniture rental fees
Relationship with former occupant
Former occupant has no rights to the apartment
Former occupant can reclaim the apartment at the
end of the sublet
Former occupant cannot reclaim the apartment at the
end of the lease
Joint Tenancy Occupancy
Lease Each tenant signs the lease and is legally responsible to the property manager
One tenant signs the lease and is legally responsible to the property manager
Rent Each tenant is responsible for paying their share to the landlord
The signatory gathers the money and pays the full amount to the property manager
Rent default Each tenant can be sued for their share of the rent owed* unless solidarity responsibility is stated*
The signatory can be sued for the full amount of the rent owed
Legal rights Tenants each have the legal protection of a lease. Tenants can pursue each other if one violates the lease terms
Only the lease signatory has the right to renew the lease. It is more difficult to pursue a derelict occupant
You Your Property Manager
Give notice of non-renewal on time Deliver the apartment in good, clean, and habitable condition on the agreed date
Pay the agreed rent Maintain the dwelling in good condition
Use the apartment with prudence Allow peaceful enjoyment of the property
Respect the laws of safety and sanitation Respect the laws of safety and sanitation
Keep a normal enjoyment Make sure number of occupants respects safety and sanitation laws
Inform property manager of serious defects Make all necessary repairs
Remove all moveable effects upon leaving
Leave the dwelling in good condition upon leaving
An application form = pre-lease
Once you submit it to the property manager and they accept it, you are legally responsible for the apartment, however you may not be accepted.
MAKE SURE that you get a receipt and it says refundable if credit check does not go through.
Always get everything in writing!
Take pictures of the furniture the day you move in and do a little inventory.
International students or newcomers to Québec may not have a Canadian credit history.
Get a copy of your lease within 10 days of signing it.
Confirm the move-in date and time with your property manager and the current tenant.
IMPORTANT TIPS
Do Don’t
Go to the Régie as soon as problems start Withhold rent
Take pictures of any damage or problems Make repairs and bill your property manager
Make sure everything is written down Subtract costs from the amount of your rent
Bring a witness for meetings with your property manager
Just leave
IMPORTANT TIPS 2.0
SCAMS
WHAT IS ILLEGAL AND WHAT TO WATCH OUT FOR
Finders Fees Too Good To Be True Money Before Viewing Fake Cheques
BEING A GOOD NEIGHBOUR
HOW TO AVOID DISTURBING YOUR NEIGHBOURS AND HOW TO HANDLE THOSE DISTURBING YOU
RESPECT – The number one rule
SAFETY – Be aware of fire regulations and the emergency numbers for your area
NOISE – Most areas in Montreal enforce quiet hours between 11pm and 7am and noise disturbances can result in fines and even arrest
GARBAGE AND RECYCLING – Find out the garbage and recycling pickup for your address to avoid it piling up
CLEANLINESS – Keep your apartment clean to avoid pests which can spread into neighboring apartments/buildings
EATING AND
LIVING AND
CLEANING AND
MORE
FOOD
MEAL PLANS AND EATING ON CAMPUS
Saver Meal Plan oneCard
Initial purchase of $1300.00 for one semester Minimum initial purchase of $200.00
This plan is designed for those who intend to eat on campus on a regular basis.
Eat at over 20 food service locations on campus and any of the 5 residential dining halls
Can be used in all food service locations, vending machines, delivery payments for Double Pizza, el
Habanero and St. Hubert Express (Parc Ave.)
Off-Campus partners like St. Hubert, Pita Pit, Sansalizza, M4 Burritos, Le Plezl, Freshii and el
Habanero
This plan is tax exempt, which translates to a savings of almost 15%.
Must pay taxes on purchases
Remaining balance non refundableMultiple options for topping up funds
Will remain with you as long as you are a student at McGill
Remaining balance is refundable
Resources
mcgill.ca/students/
housing/offcampus
QUESTIONS?For any additional questions email
[email protected] call 514-398-6368
ORDrop in to our office at University Hall
3473 UniversityMonday-Friday 9am-5pm
REMINDER! Tomorrow is Life Beyond Residences! A
great opportunity to get information about renting in
Montreal! Registration is open still and if you are unable to
register, show up anyways! We are going to have
workshops and plenty of groups and services to help you
in every way possible! Attendance also guarantees your
entry into our raffle to win one of several AMAZING grand
prizes! Hope to see you there!
Mc
Skills for Time ManagementChristina PopescuJanuary 18, 2020
Workshop Goals
By participating in this workshop, you will be able to…
• Recognize the importance of setting and organizing priorities
• Identify obstacles to productivity
• Apply strategies to effectively manage time
Workshop Overview
• Priorities, priorities, priorities
• Common obstacles ways to overcome them
• Strategies for managing time
• Goal setting
• Time management tips
* Stephen Covey, author of The 7 Habits of Highly Effective People
• Keep a time journal
• Know how long it takes you to… • Commute?
• Study for a midterm?
• Read a page? 10 pages? 200 pages?
• Find a spot to study on campus?
• Know how much time you spend in each of these work states
How are you using your 168 hours?
Make time to reflect
• Where is your time going?
• When do I waste time?
• What am I doing that could be done more efficiently?
• Does the way I use my time align with my priorities?
• How do I use my free time?
What is a small change I can make?
• Say no to something on my schedule
• Leave a 15 min buffer between each appointment
• Turn off social media notifications
• Develop a good morning routine
• Have a deliberate planning time when you re-assess your goals/priorities
• Plan your work according to your energy levels
• Stop being a perfectionist – know when to stop (80/20 rule)
• Batch similar tasks + single-task attention-intensive tasks
If you don’t manage your time, someone else will…
So, when is this magical workshop happening?
• 2:00-4:00 pm January 23, 2020
• 3:00-5:00 pm February 17, 2020
Both in MS-74, downstairs McLennan
To register:involvement.mcgill.ca
Let’s Review!
Workshop Goals:
• Recognize the importance of setting and organizing priorities
• Identify obstacles to productivity
• Apply strategies to effectively manage time
ResourcesBooks
• 7 Habits of Highly Effective People by Stephen Covey
• When by Daniel H. Pink
• 168 Hours by Laura Vanderkam
• The 4 Hour Workweek by Tim Ferriss
• How to get things done by David Allen
• Flow by Mihaly Csikszentmihalyi
• Deep work by Cal Newport
• The power of habit by Charles Duhigg
ResourcesVideos
• TED talk: try something new for 30 days
• TED talk: how to gain control of your free time
• TED talk: flow, the secret to happiness
Articles
• Entrepreneur: on morning routines
• Entrepreneur: 15 time management tips
• Barking up the Wrong Tree: Here’s the schedule successful people follow each day
Acknowledgements & Works Cited
Special thanks to McGill’s Counselling Services for resources and support in developing this workshop.
Covey, S. R. (1989). The 7 Habits of Highly Effective People. New York: Simon & Schuster.
CCR & SKILLS21
Your participation in this workshop will be automatically recognized on your
co-curricular record (CCR)!
Sign in to myInvolvement to view and customize your CCR and check your
progress in the SKILLS21 Path.*
*Please note that it may take a few weeks for your attendance at today’s workshop to appear.
Access your CCR:involvement.mcgill.ca
Learn more:mcgill.ca/involvement
mcgill.ca/skills21
Questions:[email protected]
Frugal Scholar Money Management Program:
Best of Budgeting for Life Beyond RezJanuary 2020
Alison Mackay
McGill University is on the traditional territory of the Haudenosaunee and
Anishinabeg nations, a place which has long served as a site of meeting and exchange
amongst nations.
About this workshop:
• Who is the Scholarship and Student Aid office?
• Making a sound financial plan for moving off campus:• Where do I start?
• Resources, Expenses and creating a budget
• Tools and resources available for managing your finances
Who we are…• Offer advice and workshops on financial
matters, including:• budgeting
• debt management
• loan repayment
• Administer 14 government aid programs• support with applications and appeals
• Administer the University’s need-based financial aid programs:• Modest McGill loans and bursaries
• Work Study Program
• Fee Deferrals
• Mobility Bursary for Exchanges
• Enriched Educational Opportunities (EEO)
Where we are…
Downtown: Brown Student Services Building, 3600 McTavish, Suite 3200
Hours: 10:00 am to 4:30 pm Monday to Friday
Contact: 514-398-6013 or [email protected]
Website: http://www.mcgill.ca/studentaid/
_____________________________________
Mac Campus: Centennial Center, 21111 Lakeshore Road, Ste. Anne de Bellevue
Hours: Variable- consult Mac Student Services
Contact: Mac Student Services (514) 398-7992
Website: http://www.mcgill.ca/macdonald-studentservices/
Where do I start?
• Step 1: Identify your resources
• Step 2: Identify your monthly expenses
• Step 3: Make a budget or financial plan
• Definitions (https://www.canada.ca/en/financial-consumer-agency/services/make-budget.html ):
“A budget is a plan that helps you manage your money. It helps you figure out how much money you get, spend and save. Making a budget can help you balance your income with your regular expenses and guide your spending to help you reach your financial goals.”
Identify your resources
• 4 primary sources of funding:
• Family contribution•Government financial aid• Self-help: work, work, work!• Institution: scholarships, bursaries and loans
Identify your monthly expenses
Monthly fixed expenses• Housing• Phone (plan)• Transportation• Internet/cable• Electricity• Emergency fund/savings• Other (i.e. interest charges)
Monthly variable expenses
• Food• Clothing • Computer • Pharmacy products• Amusements• Other
Know Your Overall Costs - Learn to do your budget – Frugal Scholar Tool Kithttp://www.mcgill.ca/studentaid/finances/build-your-budgets
www.mcgill.ca/studentaid
Housing
• Anywhere from $450 to $850 a month
• Roommates • Shop around• Is anything included in the rent?
Transportation
• Opus card: unlimited monthly student pass for $52/ month• Travel home
Food
• Cooking at home
• Keep it simple
• Meal planning
• Minimize eating out
Amusements
• Be aware!
• Gym memberships, art supplies, going to the movies, museums, clubbing, concerts, smoking, drinking, gaming, leisure reading, outdoor activities, travel, special events, etc.
Emergency Fund
• Keeping a reserve
• Be ready for a ‘rainy’ day
• Be proactive- ask for help
Do the math…
• Total resources – Tuition and fees = Resources for living expenses
• Resources for living expenses ÷ 8 months = monthly budget
• Monthly budget – monthly expenses = SURPLUS or DEFICIT?
Final tips• Track your expenses!
• Do your budget – Frugal Scholar Tool Kit
• Sign up for our full length Budgeting 101 Webinar • Wednesday, February 5 from 2:30 to 4:00 p.m.
• Come by our office! Brown Building, 3600 McTavish Street,
suite 3200, Monday to Friday 10 am to 4:30 p.m.
Call for your involvement
• Have suggestions for our financial literacy programming?• Attend our Frugal Scholar Focus Group
• Thursday, January 23 from 3:30 to 5 p.m. Brown 4300• Peer-led• Free snacks
• We’re hiring!• Bilingual candidates for Work Study position #18246
