Affordable internet service in rural communities is limited now that government programs have ended, there are some options

Photo: Keren Fedida/Unsplash

NewsUSA - Rural Americans often enjoy unique lifestyle benefits, but many still face significant challenges in accessing reliable internet connectivity. With the conclusion of the Affordable Connectivity Program in June, which had offered government-subsidized discounts to eligible households, those in remote areas are now seeking alternative solutions to stay connected.

Despite federal initiatives like the American Recovery and Reinvestment Act of 2009 and the Broadband Equity, Access, and Deployment (BEAD) Program of 2021, a substantial portion of Americans who lacked high-speed internet access in 2009 remain disconnected today, as revealed by a study from Arizona State University.

For those in rural communities, access to reliable, high-speed internet is not just a convenience but a critical resource that enhances opportunities for virtual learning, remote work, telehealth, and maintaining social connections with loved ones across distances. After all, the internet has become such an integral part of life that it’s hard to imagine completing daily tasks like paying bills, refilling prescriptions, or staying in touch with distant friends and family without it.

Better access to digital resources stands to enrich rural living in many ways:

Economic Impact: Internet access is the gateway to a host of job opportunities, including remote work which requires high-speed internet. Job seekers need to be able to apply to opportunities online and interview virtually. Reliable connectivity also offers opportunities for online networking, professional development, and industry news.

Educational Opportunities: Many students today access information and coursework for their classes online. Those based in rural areas with unreliable internet at home often turn to public Wi-Fi in local libraries, stores, or coffee shops. Remote learning can become much more fulfilling for rural students with reliable access to digital resources.

Accessible Healthcare: Telehealth has become a modern-day practice for a range of healthcare appointments. The elderly, people living with disabilities, and people who face other challenges accessing healthcare in-person especially benefit from telehealth. Americans in rural areas can gain better access to all these resources with a reliable internet connection.

Social Connection: Connecting with friends and family is important to our well-being. Reliable internet connections can help rural Americans build connections outside their communities through social media, email, and other resources. Additionally, information on local events and news in the community can be more easily accessed with a reliable internet connection.

Many wireline internet service providers (ISPs) are investing in connectivity infrastructure in cities due to their high population density. Rural areas often don’t meet these density requirements – building out miles of cable and fiber and installing poles and other equipment to provide internet to only a handful of homes is a costly investment.

On the other hand, satellite internet companies have continued to invest in rural America. Bridging the digital divide, satellites eliminate the need for local infrastructure, unlike wireline internet providers, making satellite more affordable and accessible. Rural Americans are able to connect and be involved in our online world thanks to satellite internet’s ability to reach areas others won’t.

Hughes, the inventor of satellite internet, offers high-speed, reliable Hughesnet service plans that allow rural customers to connect wherever they live. Hughes newest satellite, JUPITER 3, is the world’s largest and most advanced commercial communications satellite that provides connectivity to rural areas.

In this digital age, the internet should be accessible for all Americans. Satellite connectivity makes the internet available to all Americans, providing basic needs such as connecting with a health provider, applying for a job, doing homework, or reading the news. Satellite internet offers reliable connectivity for rural America.

Cut costs, not your connection: How to get home internet for less

Photo: Andrea Piacquadio/PEXELS

StatePoint - If you’re struggling with access to reliable and affordable wireless home internet, you’re not alone. In fact, more than 20% of Americans living in rural areas and nearly 30% of Americans living in Tribal lands lack internet access, compared to only 1.5% of those living in urban areas. To make matters worse, the average American shells out about $75 each month for internet service, with over a third saying that cost is one of the biggest hurdles in getting their hands on home internet.

As internet usage increases, the United States faces even more of a nationwide digital divide, but federal government agencies are stepping in to help bridge the gap. In December 2021, the FCC launched a $14 billion initiative to provide people across the United States with affordable internet access through the Affordable Connectivity Program (ACP). Eligible participants can receive up to a $30 discount per month on fixed or wireless internet access, or up to $75 per month on Tribal lands.

So far, the program has provided discounted internet service to more than 20 million households across the country. Here’s how it works:

• Find out if you qualify through your household income and participation in government assisted programs by visiting fcc.gov/acp.

• If you qualify, apply for discounted service by visiting getinternet.gov/apply. If you’re unable to apply online, print the application or call (877) 384-2575 to have one mailed to your home address.

• Once approved, select an internet provider. Metro by T-Mobile is one provider helping bring awareness to the program. In fact, a recent study found that half of eligible households are unaware of the program’s existence or didn’t know anything about it. Metro is out to change that, offering 5G home internet for just $20 a month with Autopay for qualifying ACP households. It’s easy to sign up with no contracts, credit checks or hidden fees. New customers can visit their nearest Metro store to purchase the internet gateway and a Metro phone line to add home internet to their account. Visit metrobyt-mobile.com/acp to learn more about how Metro is helping to bridge the digital divide.

If you’re not eligible for ACP, there are other ways to save a few dollars when shopping around for home internet.

• Take Advantage of Free Trials: Some internet providers offer free trials or money-back guarantees to test out their internet in your home for a certain timeframe.

• Bundle Services: Check what other services you can bundle to save, like your phone plan, cable television and more.

• Autopay Discounts: Wireless companies often offer discounts for those accounts that sign up for autopay billing.

• Internet Connection Type: The type of internet you purchase matters. Fiber and traditional broadband connected through a cable in the wall tends to be more expensive than 5G wireless internet services that use a wireless connection.

Staying plugged into our increasingly digital world on your terms and budget is totally achievable! Get savvy with your shopping and cash in on initiatives and perks to keep your wallet happy while staying connected.

Affordable Connectivity Program makes internet affordable for low-income households

The Federal Communication Commission's Affordable Connectivity Program helps millions of households get and save on internet service

Family Features - High-speed internet service is no longer a luxury, but a necessity for everyone, everywhere.

From doing homework to using telehealth, working remotely, connecting with family and friends and more, internet is needed for everyday life, but the cost can make it hard for many to afford.

To help ensure all Americans can share in and contribute to today's internet-based society and economy, Congress created the Affordable Connectivity Program (ACP). Launched Dec. 31, 2021, the Federal Communications Commission (FCC) oversees the program to help eligible households gain access to affordable high-speed internet service.

"For many households, the cost of groceries, gas and rent can eat up the monthly budget, putting internet access out of reach," FCC Chairwoman Jessica Rosenworcel said. "The ACP is the nation's largest-ever broadband affordability effort, supporting internet connections in millions of households. That's progress, but we want to do more to get out the word about this powerful program and reach families that may not know about this benefit."

How the Program Works
The ACP provides eligible households a savings of $30 per month toward internet service or $75 per month for eligible households living on qualifying Tribal lands. Taking part in the ACP could make internet service free if the savings covers the entire price of the plan. Eligible participants will not receive additional money back if their bill is less than the discount.

Eligible households can also receive a one-time savings of up to $100 to buy a laptop, desktop computer or tablet from participating providers. The program is limited to one monthly service discount and one device discount per household (a group of people who live together and share money even if they are not related).

As of June 2023, more than 18 million households have enrolled in the program and are connected to high-speed internet services they need.

How to Enroll
Step 1: Visit GetInternet.gov and submit your application or print out a mail-in application. Households with questions about eligibility or how to apply, or need to request a paper application, can call the ACP Support Center at (877) 384-2575.

Step 2: If approved, contact your local internet provider to select a plan and have the discount applied to your monthly bill. Use the Companies Near Me Tool to find participating internet service providers in your area by city and state or zip code. Consumers can select the type and level of internet service that best suits their needs.

The ACP protects consumers by allowing households to choose an internet service plan that meets their family's needs. Consumers also cannot be denied service because of their credit score or prior debt with a provider, and households enrolled in the ACP can switch providers and plans without incurring additional fees or penalties for early termination.

Eligibility Requirements

* Their household income is at or below 200% of the Federal Poverty Guidelines, about $60,000 a year for a family of four or $29,000 a year for an individual

* Anyone in the household, including children or dependents, participates in certain government assistance programs like SNAP, Medicaid, WIC, Federal Housing Assistance or other programs

* Anyone in the household already receives a Lifeline benefit

A household may also qualify for the ACP through a participating provider's existing low-income program.

For a full list of eligibility requirements and more information, visit GetInternet.gov.

Telehealth access for low-income households is coming to an end

by Sarah Jane Tribble

California Healthline

For Cindy Westman, $30 buys a week’s worth of gas to drive to medical appointments and run errands.

It’s also how much she spent on her monthly internet bill before the federal Affordable Connectivity Program stepped in and covered her payments.

“When you have low income and you are living on disability and your daughter’s disabled, every dollar counts,” said Westman, who lives in rural Illinois.

Over 23 million people are enrolled in Congress' 2021 discount program providing online/telephone healthcare services. That could all end this month or in May.

Photo: Tech Journal/Pixabay

More than 23 million low-income households — urban, suburban, rural, and tribal — are enrolled in the federal discount program Congress created in 2021 to bridge the nation’s digital connectivity gap. The program has provided $30 monthly subsidies for internet bills or $75 discounts in tribal and high-cost areas.

But the program is expected to run out of money in April or May, according to the Federal Communications Commission. In January, FCC Chairwoman Jessica Rosenworcel asked Congress to allocate $6 billion to keep the program running until the end of 2024. She said the subsidy gives Americans the “internet service they need to fully participate in modern life.”

The importance of high-speed internet was seared into the American psyche by scenes of children sitting in parking lots and outside fast-food restaurants to attend school online during the covid-19 pandemic. During that same period, health care providers and patients like Westman say, being connected also became a vital part of today’s health care delivery system.

Westman said her internet connection has become so important to her access to health care she would sell “anything that I own” to stay connected.

Westman, 43, lives in the small town of Eureka, Illinois, and has been diagnosed with genetic and immune system disorders. Her 12-year-old daughter has cerebral palsy and autism.

She steered the $30 saved on her internet toward taking care of her daughter, paying for things such as driving 30 minutes west to Peoria, Illinois, for two physical therapy appointments each week. And with an internet connection, Westman can access online medical records, and whenever possible she uses telehealth appointments to avoid the hour-plus drive to specialty care.

“It’s essential for me to keep the internet going no matter what,” Westman said.

Expanding telehealth is a common reason health care providers around the U.S. — in states such as Massachusetts and Arkansas — joined efforts to sign their patients up for the federal discount program.

“This is an issue that has real impacts on health outcomes,” said Alister Martin, an emergency medicine physician at Massachusetts General Hospital. Martin realized at the height of the pandemic that patients with means were using telehealth to access covid care. But those seeking in-person care during his ER shifts tended to be lower-income, and often people of color.

“They have no other choice,” Martin said. “But they probably don’t need to be in the ER action.” Martin became a White House fellow and later created a nonprofit that he said has helped 1,154 patients at health centers in Boston and Houston enroll in the discount program.

At the University of Arkansas for Medical Sciences, a federal grant was used to conduct dozens of outreach events and help patients enroll, said Joseph Sanford, an anesthesiologist and the director of the system’s Institute for Digital Health & Innovation.

Estimates of how many low-income U.S. households qualify for the program vary, but experts agree that only about half of the roughly 50 million eligible households have signed on.

“We believe that telehealth is the great democratization to access to care,” Sanford said. New enrollment in the discount program halted nationwide last month.

Leading up to the enrollment halt, Sen. Peter Welch (D-Vt.) led a bipartisan effort to introduce the Affordable Connectivity Program Extension Act in January. The group requested $7 billion — more than the FCC’s ask — to keep the program funded. “Affordability is everything,” Welch said.

In December, federal regulators surveyed program recipients and found that 22% reported no internet service before, and 72% said they used their ACP-subsidized internet to “schedule or attend healthcare appointments.”

Estimates of how many low-income U.S. households qualify for the program vary, but experts agree that only about half of the roughly 50 million eligible households have signed on.

“A big barrier for this program generally was people don’t know about it,” said Brian Whitacre, a professor and the Neustadt chair in the Department of Agricultural Economics at Oklahoma State University.

Whitacre and others said rural households should be signing up at even higher rates than urban ones because a higher percentage of them are eligible.

Yet, people found signing up for the program laborious. Enrollment was a two-step process. Applicants were required to get approved by the federal government then work with an internet service provider that would apply the discount. The government application was online — hard to get to if you didn’t yet have internet service — though applicants could try to find a way to download a version, print it, and submit the application by mail.

When Frances Goli, the broadband project manager for the Shoshone-Bannock Tribes in Idaho, began enrolling tribal and community members at the Fort Hall Reservation last year, she found that many residents did not know about the program — even though it had been approved more than a year earlier.

Goli and Amber Hastings, an AmeriCorps member with the University of Idaho Extension Digital Economy Program, spent hours helping residents through the arduous process of finding the proper tribal documentation required to receive the larger $75 discount for those living on tribal lands.

“That was one of the biggest hurdles,” Goli said. “They’re getting denied and saying, come back with a better document. And that is just frustrating for our community members.”

Of the more than 200 households Goli and Hastings aided, about 40% had not had internet before.

In the tribal lands of Oklahoma, said Sachin Gupta, director of government business and economic development at internet service provider Centranet, years ago the funding may not have mattered.

“But then covid hit,” Gupta said. “The stories I have heard.”

Elders, he said, reportedly “died of entirely preventable causes” such as high blood pressure and diabetes because they feared covid in the clinics.

“It’s really important to establish connectivity,” Gupta said. The end of the discounts will “take a toll.”

This article was produced by KFF Health News, a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — the independent source for health policy research, polling, and journalism.

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

Federal Affordable Connectivity Program offers low-cost internet to eligible citizens

Photo:NAPSI

NAPSI -- A fast, reliable Internet connection has become a critical part of our daily lives. From remote learning and working to networking and searching for jobs, Americans everywhere felt an online shift during COVID-19.

And, while the country gradually recovers from the pandemic, the collective need to stay connected remains stronger than ever.

Enter the Affordable Connectivity Program (ACP).

ACP extends and makes permanent the Internet subsidy for families in need that began under the Emergency Broadband Benefit (EBB) program. Falling under the $1.2T bipartisan Infrastructure Investment and Jobs Act, the ACP is part of a $65 billion broadband Internet initiative designed to bring affordable or even free Internet service to families who qualify.

Eligible households can save up to $30 a month, or up to $75 if they reside on tribal lands.

So, who qualifies? Here’s a glance at the different criteria from the FCC of which one or more is required:

Household is at or below 200% of the Federal Poverty Guidelines.

Participates in certain assistance programs, such as SNAP, Medicaid, Federal Public Housing Assistance, SSI, WIC, or Lifeline.

Participates in tribal-specific programs, such as Bureau of Indian Affairs General Assistance, Tribal TANF, or Food Distribution Program on Indian Reservations.

Participates in the National School Lunch or Breakfast Program, including through the USDA Community Eligibility Provision.

Received a Federal Pell Grant during the current award year.

Meets the eligibility criteria for a participating provider’s existing low-income Internet program.

Visit fcc.gov/acp for more details and call 844-844-WIFI (844-844-9434) to find a participating provider nearby.

A casual stroll by the mysterious deep web

Guest Commentary by Lakhijyoti Deka

The "dark web" - sounds like mysterious! Doesn't it?

Yes, I think your gut feeling says it is, but here I will make you aware how it works, what really happens on the dark web, and how you can check it out for yourself.

As you know, the internet comprises of servers, computers, and other devices connected together form networks inside of larger networks. It is divided into two parts, namely the clear web or surface web and the deep web.

The surface web is that portion of the Internet most people are familiar with. The surface web pages are searchable in Google. While the deep web comprises the majority of the web, the surface web makes up a tiny portion of all the content on the web that accessible through a standard web browser.

The Deep Web is the full body of the iceberg and the surface web is just like the tip of the iceberg. And finally the dark web is a very small and hard-to-access section of the Deep Web.

The dark web is a piece of the internet that isn't indexed by conventional search engines. The dark web is decentralized network of websites make users as mysterious as possible by routing all their communications through multiple servers. It is used for keeping internet activity anonymous and personal, which may be helpful in both legal and illegal applications. Like, anyone can buy master card numbers; counterfeit money, online market place of various drugs, guns, stolen subscription credentials, hacked accounts, password and software that help anyone forced an entry into other people’s computers.

Dark web browser:

You may think that navigating the dark net is very easy. But it isn’t. To accessing the dark net it requires a browser known as Tor (“The Onion Routing” project) browser.

If you have a legitimate need to access the dark web, make sure that you stay safe using it.

Tor browser provides users access to reach the websites with the “.onion” registry operator. Browsers with the appropriate proxy can reach dark web sites, but others can’t. These web sites use a scrambled naming structure that creates URLs that are impossible to remember often.

This browser was originally developed by the United States Naval research laboratory. An early version of Tor was created to cover spy communications. Sooner or later, the framework was repurposed and has since been made public just like the other browser we all know today. Anyone can download it free of cost. Tor browser uses a random path of encrypted servers referred to as "nodes" which enables users to connect to the deep web without worrying of their actions being tracked.

Dark web versus deep web:

The dark web and the deep web are also often mistakenly used interchangeably. At first glance, the dark web and the deep web seem similar as both are difficult to get to through the web search and require either clicking a direct link to the page or to typing the address into the browser you want to access.

The deep web refers all the pages or content that you cannot find with a search engine. Deep web content requires sign-in credentials, such as online banking, medical records, pay sites, membership websites, and confidential corporate web pages etc. The dark web is one small portion of the deep web.

The deep web is so large that it is impossible to discover exactly how many pages or websites are active at one point of time. While comparing the deep web with dark web, deep web consisting of mostly harmless and digitized data and the dark web is better known for illegal and sometimes disturbing content. But, not all the dark web is used for illicit purposes. The websites in the Dark Web are categorized by their use of encryption software that makes their users and their locations unsigned.

Enabling mechanisms of the dark web:

Apart from the tor there are two key elements that serve practical purposes in enabling the dark web. Those two are the Hidden Wiki and Bitcoin, which provide a solution that enables the dark web to be accessible and usable.

Though the hidden Wiki offers some assistance to content on the dark web, but it also includes some illegal websites.

Hidden wiki site contains a listing of all the Dark internet sites that are presently operating, user feedback on those sites, and knowledge about what are often accessed through each site. Bitcoin is the crypto-currency which enables two parties to conduct a trusted transaction without knowing each other’s identity. The dark web has been a big factor in the expansion of bit coin and vice versa.

Advantages of the dark web:

The legality of dark web is based on how a user engages with it. Some might fall to the edge of legal lines for many reasons and some may act in ways that are illegal for the safety and security of others. Using of the dark web usually means you're attempting to interact in activity that you simply couldn't perform within the limelight.

Not everything is illegitimate in the dark web. It has a legitimate side also. Privacy is much more concern for many people threatened by stalkers and other criminals. In this case dark web helps people to take care of privacy and freely express their views.

On the dark web, users can seek out the benefits of the user anonymity, ability to take illegal actions for both users and providers and the virtually untraceable services and sites. In fact, a lot of people use it in countries where internet access is criminalized. As an anonymous communications channel the Tor network serves an important function in helping individuals communicate in environments which are hostile to free speech.

One of the foremost advantages of the dark web is the difficulty of blocking it. Common forms of censorship do not work with encrypted overlay networks. The dark web is more challenging to surveillance by governments and Internet service providers. Many organizations including journalists, political dissidents, abuse and persecution victims, human Rights and other professionals support the use of and access to the dark web to communicate sensitive information.

Disadvantages of the dark web:

The dark web is the den to the criminal activities.

The most important portion of dark web traffic is child abuse. The vast of traffic to hidden dark sites via Tor is for screening and distributing images of child abuse, illicit pornography and buying illegal drugs. Using the dark web one can make it easier to commit a number of of the worst crimes.

The grouping of the dark web and crypto currencies supposedly makes it much easier to hire someone to commit a murder or some other illegal activities. While some uses the dark web for their privacy concern and for others it may be the violation to their privacy as the private photos, documents, financial records have been stolen from the dark web.

The subject that is most commonly associated with the dark web is drug trafficking which is an integral and largest part of dark web marketplaces. Silk Road was one of the largest and most infamous dark web marketplaces till 2013. But the shutdown of Silk Road was not the end of dark web marketplaces. Replacements have sprung up to fill the vacuum selling anything that traders want to put online.

By nature, the dark web is anonymous and incompetent of discriminating between criminals and common users. There are many dark web sites set up by scammers to avoid the rage of their victims. Many e-commerce sites even exist for a while and suddenly disappear with the money they are holding on behalf of customers.

Enforcement officials must address this issue by campaigning that maintains the privacy of the typical user while unmasking the criminal. They are getting better at finding and prosecuting owners of sites that sell illegal goods and services. User can easily utilize the Tor in an attempt to pirate copyrighted content from the dark web and share illegal pornography, or engage in cyber terrorism.

The two specific grey areas of dark Web activity are whistleblowing and hacktivism. Those are not categorized as entirely beneficial, but have some commendable characteristics.

Photo: Sajjad Hussain M/Burst

If you have a legitimate need to access the dark web, make sure that you stay safe using it. For safe access to the dark net you have to trust your intuition. You have to separate your online role from real life, employ active monitoring of identify and financial theft and you have to avoid downloads of dark web files. You should consider using a secondary non-admin local user account for all daily activities and always restrict access to your Tor-enabled device.

Be sure to educate yourself on the risks of the dark web before you get mislaid in the dark underbelly. It is smart to be selective about the websites you access if you willing to venture to the dark web. Rather than finding the illegal users one has to find the illegal sites.

The debate on the dark web is by no means over.

There are many things in the dark web yet to be known. It is still in progress. As policy-makers move forward, they need to monitor vigilantly the evolution of the dark Web and make sure that enforcement agencies have the resources and legal support to police successfully the dark web. Dark web policy must be thoughtful to strike the balance between the requirements of privacy-minded users and the government’s responsibility to prevent criminality.

It is always preferable to practice safe internet habits with necessary precautions to protect yourself from the illicit world.

Lakhijyoti Deka is computer engineer in New Delhi, the capitol city of India. In her free time she likes recite poetry, sing and gathering information latest technology.

SNAFUs appear in Biden administration home rapid test rollout

Photo: Jan Kopřiva/Pexels

by Hannah Recht & Victoria Knight

(Kaiser Health News) -- In the past week, the Biden administration launched two programs that aim to get rapid covid tests into the hands of every American. But the design of both efforts disadvantages people who already face the greatest barriers to testing.

From the limit placed on test orders to the languages available on websites, the programs stand to leave out many people who don’t speak English or don’t have internet access, as well as those who live in multifamily households. All these barriers are more common for non-white Americans, who have also been hit hardest by covid. The White House told KHN it will address these problems but did not give specifics.

It launched a federally run website on Jan. 18 where people can order free tests sent directly to their homes. But there is a four-test limit per household. Many homes could quickly exceed their allotments — more than a third of Hispanic Americans plus about a quarter of Asian and Black Americans live in households with at least five residents, according to an analysis of Census Bureau data by KFF. Only 17% of white Americans live in these larger groups.

"There are challenges that they have to work on for sure," said Dr. Georges Benjamin, executive director of the American Public Health Association.

Also, as of Jan. 15, the federal government requires private insurers to reimburse consumers who purchase rapid tests.

When the federal website — with orders fulfilled and shipped through the United States Postal Service — went live this week, the first wave of sign-ups exposed serious issues.

Some people who live in multifamily residences, such as condos, dorms, and houses sectioned off into apartments, reported on social media that if one resident had already ordered tests to their address, the website didn’t allow for a second person to place an order.

"They’re going to have to figure out how to resolve it when you have multiple families living in the same dwelling and each member of the family needs at least one test. I don’t know the answer to that yet," Benjamin said.

USPS spokesperson David Partenheimer said that while this seems to be a problem for only a small share of orders, people who encounter the issue should file a service request or contact the help desk at 1-800-ASK-USPS.

A White House official said 20% of shipments will be directed every day to people who live in vulnerable ZIP codes, as determined by the Centers for Disease Control and Prevention’s social vulnerability index, which identifies communities most in need of resources.

Another potential obstacle: Currently, only those with access to the internet can order the free rapid tests directly to their homes. Although some people can access the website on smartphones, the online-only access could still exclude millions of Americans: 27% of Native American households and 20% of Black households don’t have an internet subscription, according to a KHN analysis of Census Bureau data.

The federal website is currently available only in English, Spanish, and Chinese.

According to the White House, a phone line is also being launched to ease these types of issues. An aide said it is expected to be up and running by Jan. 21. But details are pending about the hours it will operate and whether translators will be available for people who don’t speak English.

However, the website is reaching one group left behind in the initial vaccine rollout: blind and low-vision Americans who use screen-reading technology. Jared Smith, associate director of WebAIM, a nonprofit web accessibility organization, said the federal site "is very accessible. I see only a very few minor nitpicky things I might tweak."

The Biden administration emphasized that people have options beyond the rapid-testing website. There are free federal testing locations, for instance, as well as testing capacity at homeless shelters and other congregate settings.

Many Americans with private health plans could get help with the cost of tests from the Biden administration reimbursement directive. In the days since its unveiling, insurers said they have moved quickly to implement the federal requirements. But the new systems have proved difficult to navigate.

Consumers can obtain rapid tests — up to eight a month are covered — at retail stores and pharmacies. If the store is part of their health plan’s rapid-test network, the test is free. If not, they can buy it and seek reimbursement.

The program does not cover the 61 million beneficiaries who get health care through Medicare, or the estimated 31 million people who are uninsured. Medicaid and the Children’s Health Insurance Program are required to cover at-home rapid tests, but rules for those programs vary by state.

And the steps involved are complicated.

First, consumers must figure out which retailers are partnering with their health plans and then pick up the tests at the pharmacy counter. As of Jan. 19, however, only a few insurance companies had set up that direct-purchase option — and nearly all the major participating pharmacies were sold out of eligible rapid tests.

Instead, Americans are left to track down and buy rapid tests on their own and then send receipts to their insurance providers.

Many of the country’s largest insurance companies provide paper forms that customers must print, fill out, and mail along with a receipt and copy of the box’s product code. Only a few, including UnitedHealthcare and Anthem, have online submission options. Highmark, one of the largest Blue Cross and Blue Shield affiliates, for instance, has 16-step instructions for its online submission process that involves printing out a PDF form, signing it, and scanning and uploading it to its portal.

Nearly 1 in 4 households don’t own a desktop or laptop computer, according to the Census Bureau. Half of U.S. households where no adults speak English don’t have computers.

A KHN reporter checked the websites of several top private insurers and didn’t find information from any of them on alternatives for customers who don’t have computers, don’t speak English, or are unable to access the forms due to disabilities.

UnitedHealthcare and CareFirst spokespeople said that members can call their customer service lines for help with translation or submitting receipts. Several other major insurance companies did not respond to questions.

Once people make it through the submission process, the waiting begins. A month or more after a claim is processed, most insurers send a check in the mail covering the costs.

And that leads to another wrinkle. Not everyone can easily deposit a check. About 1 in 7 Black and 1 in 8 Hispanic households don’t have checking or savings accounts, compared with 1 in 40 white households, according to a federal report. Disabled Americans are also especially likely to be "unbanked." They would have to pay high fees at check-cashing shops to claim their money.

"It’s critically important that we are getting testing out, but there are limitations with this program," said Dr. Utibe Essein, an assistant professor of medicine at the University of Pittsburgh School of Medicine. "These challenges around getting tests to individuals with language barriers or who are homeless are sadly the same drivers of disparities that we see with other health conditions."

KHN Midwest correspondent Lauren Weber contributed to this report.

KHN (Kaiser Health News) is a national newsroom that produces in-depth journalism about health issues. Together with Policy Analysis and Polling, KHN is one of the three major operating programs at KFF (Kaiser Family Foundation). KFF is an endowed nonprofit organization providing information on health issues to the nation.

Subscribe to KHN's free Morning Briefing.

Home Improvement |
How you can reduce your home's monthly bills

Reducing home expenses starts with efficient appliances, responsible water use, and renewable energy options. Preventive maintenance helps avoid costly breakdowns, lowering your overall spending on utilities and other energy costs.

A newly renovated bedroom looks invititing

Illustration: AI_Solution/Pixabay

You can reduce your monthly bill by turning off lights, fans, and electronics when not in use to prevent unnecessary energy consumption. It is a good idea to take advantage of natural light during the day. Open your curtains or blinds to brighten your home and save money on your utility bill every month.

by Casey Cartwright
Contributor Writer

Saving money on household expenses doesn't have to mean giving up the things you enjoy or sacrificing your comfort. With the right strategies, you can achieve a more energy-efficient home, reduce utility bills, and contribute to a healthier environment, all at the same time. From small, everyday changes to larger, long-term investments, there are countless ways to make your home more cost-effective and sustainable.

This article will guide you through practical and actionable tips to help you cut costs without compromising your lifestyle. Whether you're looking to lower your electricity usage, conserve water, or enhance your home's overall efficiency, these solutions can work for any budget. Start your journey toward smarter, savings-focused living today!

Invest in Energy-Efficient Appliances

One of the most effective steps to cutting down utility expenses is updating your home appliances. Older refrigerators, washing machines, and dishwashers consume more electricity and water than you might realize. Energy-efficient appliances, on the other hand, utilize advanced technologies that use less power while maintaining superior performance. Look for models with the ENERGY STAR label, a certification that guarantees energy savings.

While the upfront cost of newer appliances may seem higher, they pay off over time through reduced electricity and water bills. Energy-efficient LED lighting can also replace traditional bulbs to bring reductions in energy use. By making these modern upgrades, not only do you save money, but you also reduce your home’s environmental footprint. If you have an older home, updating your appliances is just one of several ways to improve your overall energy efficiency; consider other methods that can benefit you.

Improve Your Home's Insulation

Heating and cooling costs are some of the largest contributors to household utility bills. Poor insulation allows air to escape, causing your heating or air conditioning systems to work harder and consume more energy. To address this, ensure that your home is well-insulated, particularly in key areas such as the attic, walls, and floors.

Weatherstripping gaps around doors and windows is another cost-effective way to keep the desired temperature inside your home. Another vital tool is using a programmable thermostat. These devices allow you to regulate your home's temperature efficiently, ensuring you’re not wasting energy when no one is home. With better insulation, you’ll notice an immediate drop in your heating and cooling expenses.

Be Mindful of Water Use

Water bills are an often-overlooked area where you can make changes to reduce spending. Small adjustments can go a long way, such as turning off the tap while brushing your teeth or fixing leaky faucets promptly. Installing low-flow showerheads and faucets in your bathrooms is a simple way to conserve water while maintaining comfort.

Consider upgrading to a water-efficient toilet, which can save gallons of water with every flush. Running washing machines and dishwashers only with full loads minimizes waste. For landscaping, choose local, drought-resistant plants that require minimal watering. These small measures can collectively shrink your water usage and, in turn, your utility bills.

Adopt Energy-Saving Habits

Changing your everyday habits can have a remarkable impact on energy bills; turn off lights, fans, and electronics when not in use to prevent unnecessary energy consumption. Consider unplugging devices such as chargers, computers, and kitchen appliances when they’re not needed, as many still draw power in standby mode, a phenomenon known as "phantom load."

Better yet, invest in smart power strips, which automatically shut off power to devices when they are idle. Another simple yet powerful step is to maximize natural light during the day. Open your curtains or blinds to brighten your home instead of relying on artificial lighting. These efforts may seem small but, when done consistently, they significantly reduce your monthly expenses over time.

Optimize Internet and Cable Costs

Your internet and cable bills may feel like fixed expenses, but there is often room for negotiation. Start by assessing your current plan and usage, then, if you’re paying for services or channels you don’t use, switch to a more suitable package.

Many providers offer discounts for bundling internet, phone, and cable services together, so ask about deals. You might also benefit from periodically negotiating your contract terms, as loyal customers are sometimes eligible for reduced rates. Alternatively, consider cutting out cable altogether in favor of streaming services, which often provide greater flexibility at a fraction of the cost.

Regular Maintenance Prevents Big Costs

Home maintenance may not be the first thing you think of when considering ways to save, but regular upkeep can help prevent major repair bills down the line. Schedule routine check-ups for your HVAC system to ensure it’s running efficiently.

Clean or replace air filters every few months to maintain airflow and energy efficiency, and inspect appliances like water heaters, stoves, and refrigerators regularly to identify potential issues early. Addressing small problems before they escalate keeps your appliances and systems running smoothly, reducing the risk of large unexpected expenses.

Shop Smarter for Household Supplies

Another way to cut monthly costs is by rethinking how you shop. Buying cleaning products, toiletries, and non-perishable items in bulk often provides significant discounts. Keep an eye out for sales or use digital coupons to save on regular purchases.

Consider switching to store-brand alternatives, they're often just as effective as name-brand options but come at a much lower price. When it comes to fresh food, meal planning and buying seasonal produce can also help you stretch your grocery budget further. Frugal shopping habits ensure you're getting the most value for every dollar spent.

Transition to Renewable Energy

If you’re ready to make a long-term investment in reducing recurring expenses, think about transitioning to renewable energy sources such as solar panels. While the initial setup cost is significant, government incentives and reduced electricity bills make it a worthwhile option in the long term.

Solar energy systems enable you to generate your own electricity, lessening or even eliminating your reliance on your local power grid. As an added bonus, this investment also increases the overall value of your home. Renewable energy isn't just about saving on bills; it’s a smart choice for a sustainable future.

Save on Expenses Today

Knowing how you can reduce your home’s monthly bills doesn’t require massive sacrifices. A combination of upgrading appliances, improving insulation, adopting energy-saving habits, and using smarter strategies for water and other utilities can lead to substantial savings. Many of these steps also benefit the environment, making your home more efficient and sustainable. Whether you start small or opt for bigger changes, cutting costs while maintaining comfort is entirely within reach. By implementing these tips, you can create an affordable and energy-conscious household.

Casey Cartwright is a passionate copyeditor highly motivated to provide compelling SEO content in the digital marketing space. Her expertise includes a vast range of industries from highly technical, consumer, and lifestyle-based, with an emphasis on attention to detail and readability.

Tags: energy-efficient ways to lower monthly household bills, how to reduce home utility costs without sacrificing comfort, affordable home upgrades for long-term energy savings, practical tips to cut electricity, water, and heating expenses, budget-friendly strategies to improve overall home efficiency

What to keep in mind when buying a land plot for your new home

Even if you plan to build your forever home, you should evaluate the land as an investment. Beyond legal and financial considerations, you should evaluate how the location fits your lifestyle.

A new house being framed on recently purchased lot

Photo: Paul Brennan/Pixabay

One of the things you want to do before buying property to build a new home is check to make sure the parcel of land connects to public utility services such as water, sewer, electricity, gas, and internet services.

by Casey Cartwright
Contributing Writer

Buying a land plot for your future home gives you freedom, flexibility, and long-term investment potential. Unlike purchasing an existing house, buying land requires you to evaluate factors that affect construction, daily living, and resale value. You must look beyond the surface appearance of the property and assess legal, financial, environmental, and infrastructure considerations before making a decision.

Understanding what to examine before closing on a parcel helps you avoid costly surprises and delays. The right preparation helps make sure that your land supports your vision and protects your investment.

Understand zoning and land use regulations

Before you commit to any property, confirm how local zoning laws classify the land. Zoning regulations determine what you can build, how large the structure can be, and how you can use the property. Some parcels allow single-family homes only, while others may restrict building size, height, or setbacks.

Contact the local planning or zoning department and ask:

What structures can you legally build?
Are there minimum square footage requirements?
Do setback rules limit where you can place your home?
Does the property sit within a protected or conservation area?

You should also check for future zoning changes or nearby development plans. A new commercial project next door may affect privacy and property value. Always verify land use restrictions before you assume you can build your desired home design.

Confirm legal access and property boundaries

You must confirm that the land offers clear and legal access. Some parcels appear accessible but lack a legally recorded access point. Without legal entry, you may face disputes with neighboring property owners.

In addition to confirming road access to the land, review recorded easements and right-of-way agreements. Easements allow others, such as utility companies or neighbors, to use a portion of your property. These agreements can limit where you build driveways, fences, or structures.

Hire a licensed surveyor to verify property boundaries. A survey prevents boundary disputes and ensures that you build within your legal limits. Never rely solely on verbal descriptions or old fencing lines to define the lot.

Evaluate utilities and infrastructure

Raw land often lacks essential utilities. Before you purchase, determine whether the property connects to public water, sewer, electricity, gas, and internet services. If utilities do not exist at the lot line, you must factor installation costs into your budget.

Ask local providers about connection fees and distance limitations. Extending power lines or water pipes can significantly increase development costs. In rural areas, you may need a well and septic system instead of public services.

Test soil conditions for septic suitability if the property does not connect to a municipal sewer system. A failed soil test can prevent you from building a home altogether. Schedule a professional percolation test before closing on the land.

Assess the topography and soil quality

The physical characteristics of the land influence construction feasibility and cost. Sloped terrain, rocky soil, or unstable ground may require additional grading, foundation reinforcement, or retaining walls.

Walk the property carefully and examine:

Elevation changes
Drainage patterns
Signs of erosion
Flood risks
Soil composition

Review local flood maps to determine whether the property sits in a floodplain. Flood-prone land may require expensive insurance and special building standards. You should also check whether the property contains wetlands, as environmental regulations may restrict development.

Review environmental and natural factors

Environmental conditions directly affect long-term livability and maintenance costs. Research the climate, weather patterns, and natural risks in the area. Wildfire zones, hurricane exposure, or earthquake risks may influence building materials and insurance premiums.

Inspect the property for nearby hazards such as unstable slopes, heavy traffic noise, or industrial sites. Consider sunlight exposure and wind direction, as these elements impact energy efficiency and outdoor comfort.

Investigate property taxes and ongoing costs

Land ownership carries ongoing financial responsibilities. Before purchasing, review the current property tax rate and ask how the county assesses vacant land versus developed property. Taxes may increase significantly after you build your home.

In addition to property taxes, consider:

Homeowners association (HOA) fees
Road maintenance contributions
Utility maintenance costs
Insurance premiums
Septic system maintenance

Some rural communities require shared maintenance fees for private roads or community wells. These costs can add up over time, so you should include them in your long-term budget planning.

Study local market trends and resale value

Even if you plan to build your forever home, you should evaluate the land as an investment. Market trends influence future resale value and neighborhood growth.

Research comparable land sales in the area. Look at price trends over the past few years and identify whether values continue to rise or remain stable. Strong school districts, job growth, and infrastructure development typically support higher property values.

You should also consider the character of the surrounding neighborhood. Consistent property maintenance and new construction indicate stability. Vacant lots with stalled projects may signal development challenges.

A local real estate professional can provide insight into demand patterns and potential appreciation. Smart research protects your financial interests.

Examine financing options and loan requirements

Financing land differs from financing an existing home. Many lenders classify land loans as higher risk, especially for undeveloped parcels. As a result, you may face higher interest rates and larger down payment requirements.

Ask lenders about:

Minimum down payment percentages
Loan term lengths
Construction-to-permanent loan options
Required appraisals
Documentation for zoning and utility access

Some lenders require you to begin construction within a certain timeframe. If you plan to hold the land before building, confirm that loan terms align with your timeline.

Prepare for additional upfront costs such as surveys, soil tests, and legal fees. A clear understanding of financing prevents last-minute complications.

Photo: Pixabay

When deciding on where to buy a land for your home, ask yourself if the community you plan to build in or near suits your lifestyle in terms of medical care, entertainment, and commute to work.

Plan for access, transportation, and daily living

Beyond legal considerations, you should evaluate how the location fits your lifestyle. Measure commute times to work, schools, grocery stores, and medical facilities. Remote land may offer privacy but increase travel time and fuel costs.

Evaluate seasonal accessibility. Some rural roads become difficult to navigate during heavy rain or snow. Reliable access affects both convenience and emergency services response times.

Think about delivery services, waste collection, and internet speed. These practical factors shape everyday comfort more than scenic views alone.

Create a realistic development budget

The purchase price represents only one portion of your total investment. You must calculate development costs before committing to the land.

Include expenses such as:

Site clearing and grading
Utility installation
Driveway construction
Permits and inspections
Architectural and engineering plans
Foundation preparation

Unexpected challenges often arise during site preparation. Set aside contingency funds to handle unforeseen costs. Financial preparation keeps your building project on schedule.

Final thoughts on choosing the right land plot

Buying a land plot for your home requires careful planning and thorough research. You must analyze zoning laws, legal access, environmental conditions, utilities, and long-term financial obligations before making a commitment. Attention to detail protects both your lifestyle goals and your investment.

When you evaluate each factor carefully and consult qualified professionals, you position yourself for a smoother building process and a more secure future home. Thoughtful preparation ensures that your chosen land truly supports the vision you have for your property.

Guest Commentary | A person of many companions may soon come to ruin

by Glenn Mollette, Guest Commentator

You may have heard this before. I went out to find a friend a none were to be found. I went out to be a friend and found them all around.

Where do you find friends?

Your best friends may be your family. You may be close to siblings, cousins, and others related to you. Growing up, I was blessed to be around a lot of aunts, uncles, cousins, grandparents, siblings, and parents. I didn’t have to think much about searching for friends because so many relatives were always around. This is not always the case. Many people have small families or maybe even no family. Some families go in different directions, live in different places, or move on with different interests and lives.

The Internet and social media have become the world’s biggest connection place.

We often find friends in school. Some of the people we shared elementary and high school with become lifelong connections. Even if we don’t see each other much, we still have those great past times that help us reconnect quickly.

We connect with people at our places of employment. Some of the people you spend hours with every day become lifelong friends.

Houses of faith are often good places to make new friends. People get to know each other in Bible study classes and other small group religious settings. The people you share your faith with will often become like brothers and sisters.

The local gym is often a place where people socialize. If you become a routine attender of an exercise class you will eventually develop some friends.

The Internet and social media have become the world’s biggest connection place. To many people this is their only connection. All their “friends” are on Facebook or Instagram. Many people have thousands of social media friends. Too often the loneliest people on the planet are those who are only connected by a keypad.

There are many more places where you can connect. Many communities have baking, quilting, hunting, sports clubs, and more. Civic groups from Kiwanis, Rotary, and Ruritan groups will often meet weekly and do community projects.

You might make some friends volunteering at the hospital or nursing home. There will be people in most of these places who will be glad to make a new friend. Talk to your local nursing home about your interest and you may be surprised how quickly your talents are utilized. You will also find some people who will be glad to make a new friend. Keep in mind this is not always easy as you will be trying to make friends with many who feel alone and forgotten.

You can always become active in the local political circles. This all depends on your level of desperation and if you don’t mind being shunned by whichever party you don’t declare affiliation.

Don’t try to have too many friends. The Bible says a person of many companions may soon come to ruin. However, you need a few friends and hopefully you will have some good ones.

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He is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.

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We will learn together: Real Talk with SJO teacher Robert Glazier

Like thousands of teachers throughout Illinois, veteran St. Joseph-Ogden science teacher Robert Glazier is enriching young minds in an environment they never imagined.

Glazier, who retired two years ago after a 30 year teaching career at SJO, is teaching two physics classes from his home via video conferencing software. When he began teaching 35 years ago the internet, formally referred to as the world wide web, did not exist. Now he using it as he primarily tool to communicate with students in a virtual classroom.

The Sentinel caught with one of the student body's favorite teachers and observing strict social distancing fired off five questions with the help of Twitter to get a snapshot on how home teaching was going for long time assistant Spartan football coach.

Sentinel: Is this the first time you have taught classes via the internet?

Glazier: Yes.

Sentinel: Is it easier or harder to teach high school physics via video/web communications software?

Glazier: Much harder. Physics is a lab class and requires demonstrations, labs and etc. Plus, I enjoy the interaction with students as I lecture. That doesn’t happen as well on line.

Sentinel: I totally forgot about physic lab experiments. How have you been handling those in the new e-classroom environment?

Glazier: Honestly, I haven’t. This is all very new to me. I told the kids when this started, we will learn together this way. We will get through it though.

Sentinel: In numerous Spartan Spotlights students have mentioned your name as one of their favorite high school teachers. It seems you genuinely care about your students and seeing them succeed. What do you enjoy about teaching?

Glazier: The interaction with them is always fun. They have fresh ideas. New ways of looking at things. I just enjoy being around them.

Sentinel: Hypothetically, if students have to return to the e-learning environment for classes this fall, and now that you have more experience under your belt, what would you change to enhance their education?

Glazier: Find more YouTube videos to help with the lectures and lack of labs.

Budgeting tips every first-time office renter should know

Renting your first office space involves more than just paying monthly rent. Hidden costs like utilities, insurance and maintenance can quickly add up. Proper budgeting helps prevent financial strain and supports long-term business growth.

Executives work in a small office on the weekend

Photo: CoWomen/Unsplash

Choosing the right office space requires planning for both current needs and future growth. From utilities to build-outs, smart budgeting is key to office success while avoiding hidden costs that can quickly add up when leasing office space.

by Casey Cartwright
Contributing Writer

Renting your first office space is an exciting milestone. It signals growth, professionalism, and a commitment to building your brand. However, it also introduces new financial responsibilities that can quickly strain your budget if you’re unprepared. Beyond the monthly rent, there are numerous expenses that first-time office renters often overlook.

Creating a realistic, well-planned budget ensures your new workspace supports your business goals instead of becoming a financial burden. If you’re fretting over finances, then consider some important budgeting tips for first-time office renters to help eliminate some stress.

Understand the True Cost of Rent

The base rent is only part of the equation. Many commercial leases include additional charges such as common area maintenance fees, property taxes, insurance, and utilities. These expenses can significantly increase your monthly obligation.

First-time renters are often surprised by the significant upfront costs ...

Before signing a lease, ask for a full breakdown of all recurring costs. Clarify whether the lease is gross, modified gross, or triple net, as each structure determines how expenses are divided between tenant and landlord. Understanding these terms will help you accurately estimate your monthly commitment and avoid surprises.

It’s also wise to calculate what percentage of your business revenue will go toward rent. A common guideline is to keep occupancy costs between 5 and 10 percent of gross revenue, though this varies by industry. The key is ensuring your rent supports growth rather than limiting it.

Plan for Upfront Expenses

First-time renters are often surprised by the significant upfront costs required to secure office space. In addition to the security deposit, you may need to pay the first and last month’s rent. Some landlords also require additional deposits if your business is new or lacks an established credit history.

Beyond lease-related payments, you should budget for moving costs, furniture purchases, signage, and technology installation. Internet setup, phone systems, and IT infrastructure can add up quickly. Even small details such as key cards, access systems, and cleaning services require financial planning.

ongoing expenses may seem minor individually, but together they can significantly impact your bottom line.

By setting aside funds for these initial expenses, you prevent cash flow disruptions during the transition period.

Account for Utilities and Operating Costs

Utilities are a major part of your monthly operating expenses. Electricity, water, heating, cooling, and internet service must be factored into your budget. Depending on your lease agreement, some of these may be included, while others will be your responsibility.

Energy usage can vary based on office size, equipment needs, and hours of operation. A tech startup running multiple servers will have different utility costs than a consulting firm with minimal equipment. Request average utility estimates from the landlord or previous tenants to create a more accurate projection.

Routine operating costs also include janitorial services, maintenance, office supplies, and breakroom essentials. These ongoing expenses may seem minor individually, but together they can significantly impact your bottom line.

Budget for Office Build-Outs and Customization

Your new office space may not be move-in ready. Many commercial spaces require build-outs to suit your business needs. This could include installing partitions, painting walls, upgrading lighting, or reconfiguring layouts.

While some landlords offer tenant improvement allowances, these funds may not cover all customization costs. Make sure you understand what improvements are included and what expenses fall to you.

Work with contractors to get accurate estimates before committing to renovations. It’s also wise to include a contingency fund of at least 10 to 15 percent for unexpected construction costs. Careful planning prevents budget overruns that can delay your opening.

Factor in Insurance Requirements

Commercial leases typically require tenants to carry specific types of insurance. General liability insurance is standard, but you may also need property insurance, business interruption coverage, or workers’ compensation insurance.

Insurance premiums vary depending on your industry, office size, and coverage limits. Get quotes early in the leasing process so you can incorporate these costs into your financial planning. Skipping this step can lead to last-minute surprises that strain your startup budget.

Navigating insurance can be a daunting task in and of itself, so it’s critical for inexperienced office renters to know what to expect and how to make the process as streamlined as possible.

Prepare for Technology and Equipment Investments

A functional office depends on reliable technology. Computers, printers, servers, software licenses, and security systems are essential for daily operations. If you’re transitioning from a home office, you may need to upgrade equipment to support a larger team.

Budget not only for the initial purchase of technology but also for ongoing maintenance, software subscriptions, and cybersecurity measures. Many businesses underestimate the recurring nature of tech expenses.

Planning for these investments ensures your team can operate efficiently without unexpected interruptions.

Consider Parking and Accessibility Costs

Parking may not be included in your base rent. Some office buildings charge monthly parking fees for employees and visitors. If parking is limited, you may need to rent additional spaces nearby.

Accessibility improvements could also require funding. Depending on local regulations, you may need to make modifications to ensure compliance with accessibility standards. While some buildings already meet these requirements, others may require updates.

Evaluating these factors ahead of time helps you avoid hidden costs that impact your overall budget.

Build a Cushion for Growth

One of the biggest mistakes first-time office renters make is choosing a space that perfectly fits their current needs without considering future expansion. If your business grows faster than expected, relocating again can be costly.

While you don’t want to overextend your finances, consider leasing a space that allows for moderate growth. Alternatively, negotiate flexible lease terms or expansion options within the building.

Financially, it’s smart to maintain a reserve fund covering at least three to six months of rent and operating expenses. This cushion protects your business during slow periods or unexpected challenges.

Negotiate Lease Terms Carefully

Many first-time renters assume lease terms are non-negotiable, but commercial leases often provide room for discussion. You may be able to negotiate rent increases, renewal options, tenant improvement allowances, or even a few months of reduced rent during your build-out period.

Consulting a commercial real estate broker or attorney can help you identify opportunities to reduce costs and avoid unfavorable terms. While professional assistance comes with its own expense, it can save you money in the long run.

Careful negotiation ensures you’re not overpaying or committing to terms that strain your financial resources.

Monitor and Adjust Your Budget Regularly

Budgeting doesn’t end once you sign the lease. Regularly review your actual expenses against your projections to ensure you’re staying on track. If utility costs are higher than expected or maintenance expenses increase, adjust accordingly.

Tracking expenses helps you identify patterns and areas for cost savings. For example, energy-efficient lighting or renegotiating service contracts may reduce monthly overhead.

Consistent financial monitoring allows you to make informed decisions and maintain stability as your business grows.

Find Your Perfect Space

Renting your first office space is a major step forward for your business, but it requires thoughtful financial planning. By understanding the full cost of rent, preparing for upfront expenses, and accounting for ongoing operating costs, you set yourself up for success.

Budgeting for customization, insurance, technology, and future growth ensures your workspace supports your long-term goals. With careful preparation and regular financial oversight, your new office can become a productive, sustainable foundation for your business’s next chapter.

TAGS: budgeting tips for first time office renters, hidden costs of renting office space, commercial lease expenses explained, small business office budget planning guide, how to afford your first office space