5. Consider security.

Does building have controlled access? If so, are exterior security gates and doors closed? Are locks in working order? Does your individual unit have secure door locks and window latches? (Some states have specific laws regarding minimum security devices for apartment units.) Does building have a security service? If so, is a guard on duty 24 hours or does he or she just drive by periodically?

6. Ask about shared facilities.

Does building have a swimming pool? A recreation or fitness room? Tennis courts? Laundry facilities? Who is allowed to use those facilities and during what hours? Is there an extra fee charged for use of facilities? Where are facilities located in relation to your prospective apartment? Do you really want to live poolside or near laundry room?

7. Ask about utility costs.

Is water bill paid by owner or separately by tenants? Are electrical or gas utilities included in rent? Is there a single thermostat for entire building? If so, who controls it?

8. Take notes.

Before you move in, document condition of your unit and make note of any nonfunctioning doors or windows, leaking plumbing, missing fixtures, stained carpets and so on. Ask your landlord to initial a copy of your documentation to prevent disputes when you eventually move out. Better yet, take pictures or make a video of premises before you bring in any of your furniture or belongings.

Otherwise, you should visit your local welfare department. If you qualify, a representative will become your case worker. This person will work details out with your landlord--taking some of pressure off of you. If you wish to stay in apartment and landlord wants you there, too, welfare will have him sign an agreement saying they can send him a check for rent.

If you want to move, or your landlord won't agree to let you stay, welfare can help by paying for a security deposit, utility deposit and moving costs for your new apartment.

For more information on local outreach programs, visit Emergency Food and Shelter National Board Program's web page.. There you will find a box where you can type in your zip code and find program nearest to you.