Rental Application Each Adult (18 Or Older) Must Fill Out A: Fill & Download for Free

As an owner of residential property, we require each resident who is of age (18 or older) to fill out an application which we run for credit rating, check references, and verify employment. This costs us money for each report for which we charge the applicant. Each adult resident must sign the lease and is responsible for the rent and following each lease clause and requirement. My experience is primarily in California, Arizona, and Utah but property management is likely similar in Indiana as well. Each landlord may approach this differently though the requirement for each adult to complete an application is a common practice across the USA. Expect that once each child and roommate reaches the age of 18, they will be treated as an adult with all that entails.This is my opinion based on many years of experience in property management and rental housing ownership. This is not intended to be financial or legal advice. If you need financial or legal advice, please speak with a financial advisor or an attorney.

A lot of people are naming big-budget, major studio productions, so in the spirit of the answer I’m naming some truly inventive indie SF films that may have slipped beneath your radar:Prospect, 2018:A father and his teenage daughter are scratching out an existence prospecting deep in the jungles of alien worlds for invaluable oyster-like gems produced by bizarre plant-like organisms made of flesh. They’re at the tail end of a run, trying for one last big score before time runs out to get to orbit and rendezvous with the interstellar liner that brought them there. With time short to make their score without being stuck on an alien world, they come across a dangerous outlaw played by Game of Thrones’ Pedro Pascal.This is a great example of how inventive filmmakers can do so much with comparatively little, and it’s a clinic in rich world-building despite limited screen time.Level 16, 2019:The orphaned girls of the Vestalis Academy live their entire lives indoors under the watchful eyes of their keepers. They’re told the air outside has been rendered poisonous by a disaster, and they must progress with their schooling in order to be adopted by “high society families” who will give them good lives in a safe region untouched by poison and blight.But something is seriously off about the academy and its curriculum: It teaches the girls to be sweet, subservient, unquestioning and “ladylike,” but doesn’t bother teaching them basic skills like how to read and write. Two of the girls defy their keepers and begin to question their reality, leading to disturbing discoveries about the nature of the academy and the fate of its students…Cargo: Space Is Cold, 2009:Earth is severely overpopulated and humans live by the billions on squalid orbitals where poverty, disease and unemployment are rampant. Dr. Laura Portmann wants to join her sister on the idyllic colony world Rhea, but to afford the exorbitant expense of buying a berth to the planet, she signs up for an 8-year round-trip voyage aboard an interstellar cargo vessel on which she will serve as ship’s doctor.Each crew member takes an 8-month shift alone supervising the ship while the others sleep. During Portmann’s lonely shift she realizes there’s a stowaway on the vessel, a person who is awake, inhabiting the vast cargo section and manipulating the ship’s systems.When she pulls the captain and another crew member out of stasis, they believe the isolation has been playing psychological tricks on Portmann, until they enter the cargo section and make a disturbing discovery… (In German with subtitles.)The Vast of Night, 2019:Set in the 1950s, The Vast of Night follows a radio DJ and a teenage switch board operator in small town New Mexico as they intercept a mysterious signal. Jockey Everett Sloan plays the signal for his audience, thinking it’d make for dramatic radio if one of his listeners recognizes the sound. One man does, and when he calls the station to tell his story, Everett and Fay (Sierra McCormick) realize they may be onto something much bigger than a bit of drama for the airwaves.I can’t say enough good things about this movie, how it manages to capture the look and feel of the era, and the way the two leads imbue it with palpable tension and a sense of wonder.Cosmos, 2019:Like The Vast of Night, Cosmos is a small-budget indie that excels at capturing the sense of wonder inspired by the night sky and the certainty that, out there, there are stranger things than we can imagine.The set-up is simple: Three astronomers spend the night in the UK country, using an optical scope and tapping into a powerful radio array to gather data for projects they’re working on.One of them latches onto a strange signal to the delight of his buddies, who get in some friendly digs at his expense. But when none of them can explain the data they’re gathering, the jokes stop and the adventure begins.Cube, 1997:Seven people awake in a seemingly endless maze comprised of industrial cubic rooms, with doors on each surface — all four walls, ceiling and floor — leading to adjacent, seemingly identical cube rooms. No one remembers how they got there. As they wander the maze looking for an exit, they realize not all the rooms are safe: Some rooms hide brutal and lethal traps that dice, dismember, burn, impale and spray acid.As they combine their skills to figure a way out of the maze of rooms, they question whether they’ve been thrown into an experiment, a prison or just some sick person’s idea of entertainment. This is a seminal piece of SF-horror and another great example of magic on a small budget.Infinity Chamber, 2019:A thought-provoking indie about a man who wakes up in a high-tech cell with no knowledge of how he got there or what he’s accused of doing. His only companion is Howard, a self-described “Life Support Officer” who interacts with Frank via a camera in the ceiling and claims he doesn’t know anything about why Frank was arrested or what will happen to him.The less you know going in, the better. This is a thought-provoking and unsettling movie that will burrow into your mind for days after finishing it.Spectral, 2016:A fantastic science fiction action film about a US special forces company that encounters something seemingly supernatural lurking in the ruins of Chișinău while supporting the Moldovan government against an insurgency.A brilliant scientist/inventor from DARPA (James Badge Dale) is flown in to find a scientific explanation for what’s happening — and to figure out how the soldiers can fight back before they’re all slaughtered by these apparently unkillable spectral entities.This is not a movie that’s going to provoke deep thoughts for hours after you watch it, and don’t expect the science to make much sense, but it’s visually stunning and a hell of a lot of fun. Max Martini and Emily Mortimer round out a solid cast.(Prospect and Spectral are streaming on Netflix as of 11/15/2020. The Vast of Night, Cosmos, Cargo and Infinity Chamber are streaming on Amazon Prime as of 11/15/2020. Level 16 is streaming/on demand on Showtime, and for rent on Google Play and Amazon. Cube is available free with ads on IMDB TV and hoopla, and for rent on Youtube, Google Play and Amazon.)UPDATE, 11/17/2020: Thanks to everyone who has shared this list and for the kind comments. Since a lot of people seem to be interested in more indie/lesser known science fiction movies, I’ve decided to add a few more to the list. Streaming availability list is at the bottom of the post.Orbiter 9, 2017:Helena and her parents were en route to a new colony world in a small starship when the vessel’s life support system was compromised. When it became clear the ship could not keep three people alive indefinitely, Helena’s parents committed suicide by exiting the airlock so their daughter could live, leaving her in the care of the ship’s AI.Now in her 20s — with years still remaining before planetfall — Helena receives a message that a large starship’s course will briefly bring it within range of her vessel, and the larger ship has agreed to send a repair technician to her via shuttle.When the airlock opens and a young man named Alex steps aboard, it’s the firs time Helena has met a person other than her parents, and the first time she’s had contact with another living, breathing human being in years. The encounter is about to change her life in ways she never imagined. (Indie from Spain. In Spanish with subtitles.)The Frame, 2014:The Frame is an undiscovered gem among undiscovered gems. It’s probably not for everyone: It’s cerebral, deeply weird, and after finishing the film I still wasn’t sure what the hell I’d just witnessed.But if you don’t mind ambiguity and you like movies that leave things up to the viewer to interpret, you’ll enjoy this movie immensely and spend days thinking about the fate of the two leads, a reluctant thief named Alex (David Carranza), and a world-weary paramedic named Sam (Tiffany Mualem).It quickly becomes apparent something very strange is happening in The Frame, and if you’re confused, that’s because you’re supposed to be. When the movie clicks it’s a revelatory moment, setting up the second and third acts. To say more would be to do this movie an injustice.Kill Command, 2016:As a child with a degenerative condition that left her paralyzed from the waist down, Mills was cured by an experimental cybernetic procedure created by the defense contractor Harbinger. Now an adult, she works for Harbinger and leads a team creating advanced AI units designed to supplement — and eventually replace — humans in warfare.When a team of US Marines is scheduled to spend a weekend at a military-owned island to train against the new AI units, Mills accompanies them, eager to see how her creations fare in war games against experienced combat veterans.But after Mills and the marines are dropped off on the island they realize their access to the global network has been cut off and the Harbinger SAR (Study, Analyze, Reprogram) units aren’t playing war games — they’re using live rounds and artillery. Aware of her work for Harbinger and the fact that she’s been augmented by machine parts, the marines grow increasingly suspicious of Mills as the SAR units hunt them down — and Mills realizes if the machines don’t kill her, the marines will.Love, Death + Robots, 2019:(Beyond the Aquila Rift, above, Khanivore from Sonnie’s Edge, middle, and a feline overlord from 3 Robots, bottom)This is a series of 18 shorts running about 15 minutes per episode, each based on short stories by well-known SF novelists. I am recommending it primarily on the strength of Beyond the Aquila Rift, which is based on a story by Alastair Reynolds, and Sonnie’s Edge, based on a story by Peter F. Hamilton. (With 3 Robots holding a special place in my heart because cats literally rule the world in that episode.)If you’ve ever delved into literary SF, you know those two guys are some of the biggest names in the genre, known for creating rich science fiction worlds with mesmerizing detail and brain-melting big ideas. Also recommended from this collection: Lucky 13, Suits, 3 Robots and Zima Blue.The Girl With All The Gifts, 2016:I know, I know. Not another zombie movie!With a deluge of zombie media and The Walking Dead beating the genre dead, resurrecting it, then beating it to death again over 11 seasons of torture porn, magic dumpsters and the same tribe-on-tribe story regurgitated again and again — and again — you’ll be forgiven if your first thought is to give this one a pass.But wait. It turns out there’s still life in this genre, and The Girl With All The Gifts shines as one of the very best with a refreshing and unique take on the undead.The film is a blend of science fiction, drama and horror. To say more would be to spoil a fantastic narrative. Featuring Gemma Arterton, Glenn Close, Paddy Considine and a talented newcomer you won’t forget after watching this film.The Endless, 2017:Two brothers escaped from a repressive life in a bizarre cult years ago, but the scars of their childhood aren’t yet healed. Determined to find closure, the younger of the two wants to return to the cult and verify through adult eyes that their memories of the cult camp are more sinister than the reality.The older brother, Justin, reluctantly agrees, but after returning to the cult compound, the brothers are shocked to discover their memories aren’t delusions from childhood, and that something unexplainable is happening there. Feeling the inexorable pull of a force beyond their comprehension, they realize their next choice will have an indelible impact upon their lives.OtherLife, 2017:Inventor Ren Amari (Jessica De Gouw) builds OtherLife, a virtual reality system so real that immersion in its programs is indistinguishable from real life. Ren envisions a wide range of applications, from reliving beloved memories to virtual vacations, but the company’s co-founder, Sam, sees opportunities beyond entertainment value.Against Ren’s wishes, Sam pitches OtherLife to prison industry executives to alleviate the problem of prison overcrowding: What if an inmate can experience a year of prison in subjective time within the program while a mere minute passes in reality? What if criminals who commit horrific crimes are forced to serve multiple concurrent life sentences? And what would serving 200 years in a virtual prison do to the fragile human mind?But before prison industry CEOs will invest in the project, they want a demonstration that it’ll work, and the very first prisoner to occupy a digital cell will not be voluntary…Attack the Block, 2011:Most alien invasion movies feature terrified crowds running from extraterrestrials raining destruction down on Earth’s cities. Attack the Block flips the script with a bunch of delinquent kids who witness the opening stages of an alien invasion and enthusiastically shout their rallying cry: “Aliens, yo! Let’s go f— them up!”This science fiction-comedy’s protagonists are poor latchkey kids living in one of London’s seedier public housing towers, filling their idle hours by sticking up unsuspecting passersby for chump change and smoking pot. Their weapons are baseball bats, replica samurai swords and fireworks. Their mode of transportation is bicycles and scooters.But as the sky lights up with alien pods burning through the atmosphere and falling on London, the kids become the only real line of defense for their apartment building, their families, their friends — and their beloved “weed room” at the very top of the tower block. Stars John Boyega and Jody Whitaker before they were famous.Where you can find these movies: (Part II)Orbiter 9: Netflix (subscription)The Frame: Amazon Prime (subscription), hoopla and tubi (free with ads)Kill Command: Amazon Prime (subscription), hoopla, tubi, PLUTO (free with ads)Love, Death + Robots: Netflix (exclusive)The Girl With All The Gifts: Amazon (rental), Google Play (rental), Youtube (rental)The Endless: Netflix (subscription), hoopla (free with ads)Otherlife: Netflix or Amazon, depending on your regionAttack the Block: Showtime (subscription), Roku TV (free with ads), DirecTV (subscription)For our friends in India, Europe, Australia and Asia: The best way to find streaming availability is by searching on JustWatch - The Streaming Guide and changing the search results to your region. Occasionally JustWatch might have an incorrect listing, so if you can’t find a particular movie in your region, try Googling the movie title + “streaming.” Good luck!

Can You Open a Bank Account Without Parents Knowing?As a young adult, you may desire financial independence and separate banking from their parents for a multitude of reasons.Jump To:If You Are Age 18 Years or OlderOnline-Only Bank vs. Brick and Mortar BranchWhat Account to Pick?Opt Out of Paper StatementsEstablish a Separate Mailing AddressCredit ChecksTaxesWhat If You Have an Existing Joint Account With a Parent?Get a Money MentorConclusionYou may have income that you don’t want parents to know about, expenses to hide, or simply desire the freedom to make financial transactions without prying eyes.There may be a fear that your financially-irresponsible parents take your hard-earned money for themselves.A separate checking or savings account can be a measure of security and peace of mind.Learn about the steps you should take to open a bank account without your parents knowing.If You Are Age 18 Years or OlderNo matter what the reason, if you are 18 years old, it is possible, and relatively easy, to open a bank account without your parents knowing.If you are not over 18 years old, it is possible to open up a bank account with another relative, such as an aunt or uncle, or older sibling.As long as you have a valid, US-issued photo identification, opening up a bank account should be a fairly simple process.You can open a bank in-person at a local branch, or online by filling out an online application.Check with the financial institution for the documents needed, which may include:Valid (not expired) Photo identificationSocial Security CardBirth CertificateProof of address (cable or utility bill, mortgage statement or lease agreement)Online-Only Bank vs. Brick and Mortar BranchPicking the right bank is important.You can go with an online bank or a traditional bank that has branches in your neighborhood.Online-only banks may offer great rates and lower fees, while providing you the same federal insurance protection as brick and mortar banks.Most of these online banks offer apps that allow you to pay bills, transfer money, and deposit those occasional one-off non-payroll checks with a quick snap of your smartphone camera. Funds may even be available immediately.The downside:Depositing cash into an online bank is slightly more complicated than with drawing it. With a debit card, it’s easy to get cash back on a debit card purchase using your PIN, or withdrawing from an ATM.If you will need to deposit cash into a bank frequently, a bank or credit union with a local branch office may be a more convenient option.What Account to Pick?Many banks and credit unions offer college checking or student checking accounts to help you establish good financial habits.The best part:They are usually free for younger adults, especially if you are enrolled full-time in school.If it's just a savings account that you want, an online savings account is a great option because they tend to have no monthly fees while also providing some of the highest savings rates.Savings accounts at brick-and-mortar banks tend to have monthly fees unless you keep a certain balance.Opt Out of Paper StatementsYou want to eliminate the chances that your parents will read your paper mail sent from banks.Even though many banks want to cut them out, they still offer paper statements -- and may send additional correspondence.If you open up an online account, paperless statements will likely be the standard or default setting, but look for this during account setup process.If you change your address down the road, the bank will likely send a notification to the old address and new address.Establish a Separate Mailing AddressDepending on your situation, you may need to have banking documents sent to a different address, if you need privacy.Although it is not legal for parents to open their adult children’s mail, this is not the type of “case” postal inspectors want to get involved with.If your parents open your mail despite your requests not to, it will be difficult to take any legal action against them.Only you can decide if a separate mailing address is necessary and worth the expense. It may be that your parents don’t look at the mail, or they respect you enough not to go through your mail.Or you may decide that you need to take the added step of assuring no correspondence ever comes to your shared mailing address.One common way to reduce mail is to get all correspondence sent via secure email.While enrolling in paperless statements will eliminate a paper statement being mailed each month, it is unlikely you will be able to avoid all mail. Your bank may send you a welcome packet, printed checks, or various promotional offers for credit cards.Open a P.O. BoxIf you need to ensure 100% privacy, and avoid any correspondence sent to your house, set up a private mail box rental or post office (P.O.) Box before you open your bank account.Setting up a P.O. box is a relatively simple and can be done at your post office, in less than an hour.Alternatively, you can set up a private mailbox rental at a UPS store or Postal Annex.Typically, a post office will be less expensive than a private mailbox rental.Be prepared:A small P.O. Box costs up to $100 for every six months. The exact rental fees will vary depending on the size of the P.O. box, the length of the rental, and the zip code.Once you have an address in your name that you can receive mail at, you are ready to set up a bank account.Credit ChecksIf your parents monitor your credit, opening a bank account may generate a hard or soft inquiry that may show up on a credit report.Not all banks run a credit check on account opening.Also, banks and credit card companies are known to regularly peek at your credit report to see if you qualify for certain loans and credit offers.These are very normal and your parents could pass them off as typical spam mail.However:Most banks request a report through ChexSystems. This report keeps record of your negative activity in relation to banking (not credit).So, keep your bank account in good standing or bad remarks can show up here. If your parents see them, they'll know.TaxesThis is another area where your secret bank account could be exposed.If you earned an account-opening cash bonus or your deposits earned interest, the bank will send a tax form to you because you have to pay taxes on those earnings.Those earnings must be reported on your taxes.Now:Many parents handle the taxes for their children.If your parents do the taxes for you, you'll have to reveal the tax forms sent by the bank.So, since you've taken the initiative to open your own bank account, you might take the dive into learning how to do your own taxes or reach out to a tax professional on your own.What If You Have an Existing Joint Account With a Parent?Typically, younger adults have their first bank account with a parent.This joint account means that both the child and parent are owners. So, you cannot just kick your parent out of the account without this person's consent.Now:Even if you open a separate bank account secretly, your parent may notice that change in the financial activity with the joint account.Be prepared for that possibility that parents will question this change in behavior.Get a Money MentorJust because you don’t want your parents knowing your financial activities does not mean you are an expert, or even understand the basics of smart savings.Financial habits you start early can be hard to change in later years.One of the benefits of your parents being involved in your banking is they can give you guidance, coaching and advice.Some parents may be controlling or even abusive, and you may simply decide it is better for you if they do not know about your financial transactions.If you make that choice, consider asking a trusted adult friend or relative to be your money mentor, and give you guidance, advice, or even accountability.ConclusionYou can take control of your own finances without your parents.It's unfortunate that you must hide a bank account from them.But, it is absolutely doable.Just remember that it could require some ongoing diligence to ensure that nothing tips of your parents about the existence of a secret bank account.