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Just because you're eager to move out, don't just sign off on the first place that catches your eye. Do some research, view several options, and consider details beyond just the rent payment. Use real estate listings to get a feel for prevailing rental rates in your area, and how they fluctuate based on details such as location. Focus only on prospective apartments that fit within the maximum rent you can afford; don't give yourself the chance to fall for a place you can't have. Weigh factors beyond just dollars and cents as well. For instance, if one apartment costs $50 more per month than another but is right on the bus line to work, it may be the superior choice. Just because you don't want to live with Mom and Dad anymore doesn't mean you shouldn't take advantage of their experience with apartment / house hunting. A trusted friend or older sibling is also a good bet. Make it clear that the decision is ultimately yours, but rely on one or more extra sets of eyes to help identify sketchy landlords, rodent problems, potential noise problems, and so on. Your parents are almost certainly going to want to help, so this is a good way to help them feel involved and helpful. This relates to the previous advice regarding selling your non-essentials, but it is worth reiterating that taking a bare-bones approach to furnishing and stocking your first apartment is usually your best bet. Once you've sold / donated / discarded what you don't need, think about what else you can do without, at least for the time being, and see if you can leave it behind at your parents' house. That way it can be accessible in the future or if your needs change, but not take up space (or moving expense) in your apartment. For items you need but don't have perhaps furniture, dishes, or bedding visit thrift stores or yard sales, or just see if you have any family or friends looking to unload some stuff. Your first apartment doesn't need to look like it belongs in a magazine. A beat-up couch and mismatched dinner plates will not ruin your first taste of independent living. It may be easier to let the pros load up all your things at your current place and carry them into your new digs, but it comes at a cost. Local movers typically charge $100 or more per hour, so a total cost of $300-$600 is not uncommon. Long-distance moves will cost even more. See if you can round up some family members or friends who are willing to work up a sweat for a few hours on a Saturday in return for some pizza and soda (or other beverage). Promise to return the favor someday. If you don't have access to a pickup truck or that just won't do for your larger items look into renting a truck and doing the moving yourself (with help). If the prospect of moving your couch, bed, and other heavy items is too daunting, let movers take care of that and move as much as possible yourself. Local movers typically charge by the hour, so the less they need to move, the less you pay. You may want to depart your parents' house so you can have a place all your own, but sharing the cost with one or more roommates can make moving out more feasible. Whether you're planning on sharing a place with an old friend or (hopefully) making a new one when moving into an occupied apartment, the prospect of splitting the rent, utilities, etc., by two, three, or even more ways can be quite appealing. However, even if your odds of a horror movie-worthy roommate situation are remote, establishing some clear ground rules is always wise. Be clear on things like how bill payments will be divided up, whether food will be bought communally or individually, and any responsibilities should someone decide to move out, to name some potential pitfalls. Even or maybe especially if rooming with an existing friend, be sure to spell out expectations and responsibilities so you don't end up holding the bag for overdue rent and utility payments. You may want to draw up a roommate agreement on your own, which details the expectations and responsibilities of each flatmate. Also decide whether you want to have all the roommates' names on the lease and bills. If it's only your name on the lease agreement, you alone are legally responsible for unpaid debts. It is, however, easier to kick someone out if they're on the lease.

summary: Be a savvy apartment hunter. Bring in an apartment-hunting veteran for assistance. Take only what you need. Utilize professional movers judiciously. Round up some roommates.

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Don't rely on a tip from a friend or neighbor. The right brokerage service can make the difference between financial success and failure. Before choosing an online brokerage, ask about details like pricing and the available investment choices. Find out about the customer service they provide and whether or not they offer resources for education and research. Finally, find out about their security practices. Depending on the amount of experience you have, you may require different levels of service from an online brokerage service. Some services offer personal advice, which may be beneficial to beginners. You may pay higher fees for these services, but if you're just starting out, you may think the fees are worth it. Online brokers that offer tools and advice to help beginner traders include E-Trade, ShareBuilder, Fidelity, Scottrade and TDAmeritrade. ShareBuilder also offers an ATM card that gives you access to uninvested funds. If you can do all of the research yourself and don't need personal advice from a broker, then consider working with a discount online brokerage. You can start with a smaller sum of money. Also, you have access to more investment choices. In addition to stocks, other investment choices may include options, mutual funds, exchange-traded funds, fixed income funds, bonds, certificates of deposit and retirement accounts.

summary: Interview online brokers. Decide which brokerage tools are important to you. Work with a discount service if you have more experience.

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Unlike most file types, DAT files can be created by virtually any program; as such, you'll need to know which program created the DAT file to figure out which program to use to open it. If you don't know which program was used to create the DAT file, you'll need to figure out which program to use before you can open the DAT file. Click or double-click the app icon of the program that was used to create the DAT file. Click and drag the DAT file onto the program's window to do so. Since your Mac usually won't view the DAT file as readable, you can't typically open the DAT file by using the File > Open menu in your selected program. This will attempt to open the DAT file in your program. In some cases, you'll receive a warning that the file's contents don't match its file extension (or similar). If so, click Yes or Open to prompt the DAT file to open. For example, opening an Excel-created DAT file in Excel may result in a prompt warning you that the file may be corrupted. You can click Yes to open the file anyway. If you want to avoid having to drag the DAT file into its program every time you want to open it, you can change the file's extension. Keep in mind that you must know the exact extension used for the DAT file, as changing the extension to use even a slightly different format (e.g., MP4 instead of AVI) can result in the file breaking: Select the DAT file. Click File, then click Get Info in the drop-down menu. Click the triangle next to the "Name & Extension" category. Uncheck the "Hide extension" box if necessary. Replace the dat extension with your file's extension in the file's current name. Press Return, then click Use .extension when prompted (e.g., for an XLSX document, you would click Use .xlsx here).
summary: Determine the program that created the DAT file. Open the program. Drag the DAT file into the program's window. Drop the DAT file. Confirm that you want to view the file if prompted. Change the DAT file's extension if necessary.