Things Break. How to Make Sure Your Emergency Fund Can Cover Them

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Let’s face it — if your monthly income is less than what your monthly expenses are (and you’ve run out of things to cut), you need more money.
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2. Cut More Than $500 From One Of Your Must-Have Bills

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Your washing machine. Your car. Your front tooth.
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Source: thepennyhoarder.com

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Here’s how it shakes out: 50% of your monthly take home income goes to your essentials — your rent, your groceries, your minimum debt payments, and other necessities. 30% of your cash goes to the fun stuff, and 20% is dedicated to your financial goals. That could be paying more than the minimum on your debts or adding to your investments. And it definitely includes building up your emergency fund!
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DoorDash vs. UberEats: Which App Is Right For Your Next Side Gig?

DoorDash vs. UberEats: Which App Is Right For Your Next Side Gig?

For better or worse, apps like DoorDash and Uber Eats have disrupted the food-delivery industry. Since their launch in 2013 and 2014 respectively, restaurants across the country have outsourced delivery services to independent drivers who use the apps to make extra cash.

During the pandemic, these services have seen demand like never before. For customers, the apps make ordering food from just about any restaurant as easy as opening their smartphones. For drivers, it’s almost as easy to land a delivery job hawking food from local eateries.

But before you download your next job, take some time to review the key differences between DoorDash and Uber Eats so that you can make the most of your delivery gig.

DoorDash vs Uber Eats: The Top Food Delivery Apps Duke It Out

The general premise of the two apps is almost identical: Customers place food orders at local restaurants. The apps alert drivers in the area with the order details. The first driver to accept the order picks up the food and drops it off to the customer. Simple enough, right?

Several differences are worth noting, though. Some minor and some major. We took a deep dive into those differences, looking at pay, vehicle and job requirements, available locations, driver reviews and more to help you make an informed decision before you start delivering.

And if it’s too close to call, you can always sign up for both to see which one suits you better.

Round 1: App Reviews

A woman looks at what's offered on Uber Eats.

Because the apps are so popular, they’ve amassed more than 4.1 million driver reviews. Both companies require their drivers to use different apps than customers, a huge perk when trying to get a sense of drivers’ perspective. Worker reviews from Glassdoor are also included.

DoorDash Driver (Dasher) Reviews

Feedback from Dashers is overall mixed, but there’s a clear preference for the iOS version of the app. Trends in negative reviews across all platforms show that many drivers have trouble with glitches and crashes, especially Android users, and that the nature of the work takes a toll on their vehicles. Many negative reviews mention that DoorDash’s strict performance metrics are a hassle.

Workers reviewed DoorDash more than 760,000 times.

App Store (iOS) review: 4.7 out of 5.
Google Play (Android) review: 3.3 out of 5.

Glassdoor review: 3.7 out of 5.

Uber Driver Reviews

More than 3 million drivers reviewed Uber. A caveat worth noting is that Uber has one driver app. That means it’s hard to get the opinions of only Uber Eats drivers because general Uber app reviews are mixed in. Overall, reviews are positive.

Trends in negative delivery reviews on Glassdoor indicate GPS issues and trouble contacting customer service. Several drivers mentioned problems with promotion and surge pay (bonus pay during in-demand times). Negative reviews regarding vehicle wear-and-tear are common.

App Store (iOS) review: 4.6 out of 5.

Google Play (Android) review: 3.8 out of 5.

Glassdoor review: 3.9 out of 5.

Round 2: Job and Vehicle Requirements

A woman drives for Uber.

To become a Dasher or Uber Eats driver, you have to meet a baseline of requirements. Some are vehicle related and some are age and experience related.

DoorDash

To qualify as a Dasher you must be at least 18. Dashers need to have a valid driver’s license. There are no car requirements, but auto insurance is required. In some markets you can make deliveries on scooters, bicycles and motorcycles.

Uber Eats

To make automobile deliveries, the minimum age requirement is based on your local jurisdiction, plus at least one year of driving experience. Vehicles must be no more than 20 years old. Drivers must be properly insured and can use bikes and scooters in certain markets. The age requirements are higher for those who prefer two wheels — 18 for bicycles and 19 for scooters.

Round 3: Sign-Up Process

Becoming a delivery driver for DoorDash and Uber Eats is simpler than landing a part-time job. You can complete the entire process from your smartphone or computer.

DoorDash

You can sign up to become a Dasher on the driver app. You’ll have to consent to a background and motor vehicle check (and pass both). They could take as little as a few days, but err on the side of a week or two.

After passing the checks, you’ll need to select what type of “orientation” you want. The pandemic paused in-person orientations. Depending on your market you may need to request an “activation kit” instead. Receiving your activation kit may take an extra couple of weeks, according to driver reviews.

The activation kit includes a Dasher manual, a hot bag and a credit card, which is used to pay for orders. Once you receive and set up the card through the app, you can start accepting orders.

Uber Eats

For drivers new to Uber, you can sign up on the website or through the driver app. Because of the stricter vehicle requirements, the application requires more detailed information on your ride. A background check is also required, which may take three to five business days to process.

After the background check clears and your application is approved, you’re free to start taking orders. No orientation or additional equipment is needed.

If you’re a current rideshare driver for Uber, it’s easy to start delivering with Uber Eats. You simply opt in to Uber Eats orders through the driver app and start delivering without any additional screening.

Round 4: Pay and Tipping

The two apps handle pay a little differently, both in how you get paid and how you pay for customers’ orders when you pick them up. Neither company offers guaranteed wages (unless you live in California).

DoorDash

As of Fall 2019, the company switched to a payment model where Dashers earn a higher base pay per order in addition to keeping 100% of their tips. Previously, a customer’s tip would subsidize the Dasher’s base pay.

Check out how this food delivery driver may $8,000 in one month.

Dashers report earning between $11 and $15 an hour depending on location, but those earnings aren’t guaranteed. Pay is based on how many orders you accept per hour and how much customers tip you. DoorDash pays weekly through direct deposit, or you can access your earnings early through Fast Pay, for $1.99.

When picking up orders, you may be required to pay for the order using the company red card from your activation kit.

Uber Eats

Depending on your location, you can expect to earn $11 to $14 an hour on average. Again, those wages aren’t guaranteed because your earnings are based on orders and tips. With Uber Eats, you pocket 100% of your customers’ tips. You get paid weekly via direct deposit, or you can pay a fee to access your earnings early through Instant Pay for 50 cents.

You won’t be involved in the payment process for food orders. Partner restaurants are reimbursed directly by Uber.

Round 5: Available Locations

People walk alongside a lake and tall buildings.

This one’s easy. Both services are available in most big cities in all 50 states.

Previously, DoorDash and Uber Eats ran driver support centers in major metro areas of most states. In 2020, many of these centers closed due to the coronavirus. Some still exist, but neither company offers a comprehensive, public list of remaining locations.

Final Round: Additional Perks

Promotional offers are popular with both DoorDash and Uber, but they’re temporary and vary by location. Aside from sign-up bonuses and referral codes, here are a couple perks that are here to stay.

DoorDash

A few perks unique to DoorDash include grocery delivery options, automatic insurance coverage and health care services.

After you’re screened and accepted as a Dasher, you can choose to deliver food in any city where DoorDash operates, meaning there are no hard location requirements. The company also launched grocery delivery services in some Midwest and West Coast areas.

Dashers also get supplemental auto insurance and occupational accident insurance for accidents or injuries that fall outside your current auto insurance. The insurance plan covers up to $1 million in medical costs, a weekly payment of $500 for disabilities and $150,000 to dependents for fatal accidents. Coverage is automatic. There are no deductibles or premiums.

While DoorDash doesn’t offer health insurance, the company does partner with Stride Health, which provides free health care advising and assistance to Dashers who need help finding affordable insurance plans.

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Uber Eats

Uber Eats drivers get a variety of discounts and may be eligible for Uber Pro perks.

All Uber drivers receive discounts for vehicle maintenance and phone service plans. Uber also partners with Stride Health to provide health plans and tax advice. Drivers automatically receive supplemental auto insurance, which covers up to $1 million in damages. There’s a $1,000 deductible before benefits pay out.

Uber Pro perks have recently expanded to all of Uber’s markets across the U.S. Only top-rated drivers receive Pro perks like tuition and gas reimbursement, and the program is designed for Uber drivers primarily, not Uber Eats drivers.

If you drive for both Uber and Uber Eats, your food deliveries may apply to Uber Pro, but Uber-Eats-only drivers aren’t eligible.

Final Decision in DoorDash vs Uber Eats

Ding! Ding! It was an even match-up. Uber Eats and DoorDash were neck and neck throughout. No knockout punches. A good few jabs by DoorDash’s insurance coverage and grocery options and a couple of hooks by Uber’s overall ratings and ability to switch to ridesharing.

The decision goes to our judges. (That’s you.)

There are a lot more delivery options out there. Here’s how the top 10 delivery apps stack up.

Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, remote work and other unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

How to Prep Your Apartment Before a Long Trip | ApartmentSearch

How to Prep Your Apartment Before a Long Trip | ApartmentSearch

Girl with yellow suitcase packing for trip and preparing her apartmentYou probably (hopefully!) aren’t braced for a flood, a fire, or a burglary at any moment. In fact, we all like to assume, “It won’t happen to me!” The sad truth, however, is that a disaster or accident can happen to anyone. While you can’t protect yourself from everything, you can certainly take measures to prevent those things from happening while you’re away.

Whether you’re gearing up for holiday travel, a summer vacation, or even a quick weekend getaway, don’t forget to prepare your apartment for your departure! Before you leave, use these helpful tips to prevent accidents, weather damage, and burglaries in your apartment.

1. Put a few lights on timers.

Burglars are more active during the holiday season because they know that many families are traveling. If your windows are constantly dark, that’s their first sign that you’re gone – and your home becomes an easy target! Trick thieves into thinking you’re home by setting a few lamps on automatic timers before you leave. That’ll give the appearance that someone is still inside (and protecting!) your apartment.

2. Arrange for someone to pick up your newspaper or packages.

Potential burglars will take note if they see packages or newspapers piling up outside your vacant apartment, so ask a neighbor to bring them inside for you. For even more safety and peace of mind, leave a key with a trusted neighbor or nearby friend who can check your apartment every few days. Not only will they deter burglars who may be watching your apartment, they’ll also make sure nothing has gone awry since you left!

3. Unplug small appliances.

Yes, we know – unplugging those appliances behind your television requires some complex acrobatic moves, and your toaster is probably fine… but better safe than sorry. It’s a good idea to unplug as many appliances or electronics that you can before you head off. Unplug everything but your refrigerator, stove, washer, and dryer. This will not only prevent a potential fire, but it can also save you some money! Even when you’re not home, some appliances can still eat up electricity. Unplug, prevent a fire, and save a few bucks on your electric bill!

4. Make sure your renter’s insurance policy is up to date.

Renter’s insurance is a lifesaver if a disaster strikes while you’re away. Double check your renter’s insurance coverage and make sure your policy is up-to-date. You might be surprised what is and isn’t covered!

5. Check your faucets and exterior openings for leaks.

Have you been ignoring that leaky faucet for a couple of weeks? Ignorance is not bliss! Small leaks can turn into big problems while you’re gone, so call your apartment community’s management to get leaks properly repaired. It’s also a good idea to run your dishwasher a day or two before you plan to leave (especially if you don’t use it often) to make sure there aren’t any leaks within its pipes and systems. Check your windows and doors too, and change out old weather stripping or a worn-out window seal that could let rain into your apartment and leave you with a flooded mess when you return.

6. Clean up around your apartment.

Okay, so this might not prevent real danger… but do you really want to come back to a smelly apartment? Take a few minutes to clean up, take out the trash, dispose of old food in your refrigerator, and clean your kitchen garbage disposal if you have one. Wash any dirty dishes, and make sure there isn’t wet laundry in your washing machine when you leave.

7. Set up a security camera.

If you’re concerned about security while you’re gone, invest in and set up a security camera. There are many affordable options on the market, and some security apps even let you use an old camera phone or another device to send a live stream right to your phone. If you live in an area where holiday break-ins happen frequently, it may be worth the peace of mind to set up a camera system.

8. Do a safety check.

Old windows or locks could put you at risk for a break-in, so walk through our apartment safety checklist prior to leaving for your trip. Address any issues with your apartment community management so that your apartment is safe and sound while you’re gone.

Preparing your apartment can take a bit of time, but it can save you some headaches once you return home from your travels. And if you’re sick of traveling so much? Maybe it’s time to move closer to the activities and people you love most! If you’re ready for a change, find apartments for rent with ApartmentSearch. Our apartment locator tools can help you find just the place so you can start the year exactly where you want to be!

Source: blog.apartmentsearch.com