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Should You Buy or Lease a Car?

Buying a car is one of the biggest purchases that you can make – it’s wise to look at all of your options. If you’re in the market for a new car, there are a lot of options to consider. From the make to the model to the color, to the safety features – you then have to decide if you should buy or lease. This is quite a significant financial decision to make, so it’s important to look at all of your options as well as considering your financial future. Here’s what to consider when buying or leasing! Your monthly cash flow. Leasing a car often has a lower monthly payment compared to financing a car with the same loan terms, since with a lease you’re paying for the depreciation of the car during the years you have it. If you have a tight budget, leasing may be more favorable. Available savings ... Read more

It’s Earth Day! Celebrate Mother Nature with These Tips for Sustainability

Adopt green habits to better the environment in celebration of Earth Day. On April 22nd, 2016, (a.k.a. Earth Day!) it’s time to give the planet some very needed care and attention. As inhabitants of the world, we should be helping the planet rather than hindering. Recycling and reusing aren’t just for hippies and environmentalists. The message of Earth Day is that good stewardship is an agenda that we can all get behind! Small changes lend a hand to our planet when it’s in dire need. From toxic gases, depleting fossil fuels, melting ice caps, floating plastic waste, and species extinction, humans are the sole cause for all of the world’s health conditions. Scientists say that we need to clean up our act – literally! Earth Day brings us the perfect opportunity to make a positive change! Here’s how you can help: Drive less – Cut down on your commute by cycling to work or ... Read more

Tips for Surviving this Allergy Season

Spring can wreck havoc on our allergies. Survive the season with these tips. The fresh cut grass, blooming flowers, and blossoming trees of spring can give way to sneezing, coughing, itchy eyes, and all that comes along with the dreaded seasonal allergies. So while many people consider spring their favorite season, the rest of us dread the first signs of pollen. As well as the usual sneezing, coughing, and watery eyes, inhalant allergies can leave you with serious brain fog, inability to concentrate, fatigue, irritability, and depression. These can take the joy out of the season! To survive this allergy season, use these tips: Head to your drugstore for symptom relief: Over-the-counter decongestants will help relieve a stuffy nose whereas antihistamines can tackle sniffles and itching. Use salt water: Try a saline nasal rinse which helps to clear allergens like pollen from your nasal membranes, in turn minimizing symptoms. Take your work clothes off after work! ... Read more

Types of Business Insurance You Never Knew Existed

Your company may need more than the bare-bone business insurance. Insurance coverage is available for every conceivable risk your business might face. While many companies search for the insurance that will protect them from slip-and-fall claims and the occasional office fire, there are more coverages available that provide optimum coverage. Here are a few types of business insurance you never knew existed, and where your coverage may be failing! Employment Practices Liability Insurance (EPLI) This covers liabilities that may arise in the employment process. Claims of employment and unfair dismissal, discrimination, sexual harassment, or other civil or legal rights can be covered. EPLI insurance can cover the trial for which the insured is responsible, as well as other legal defense costs. Terrorism Insurance Insurance against terrorism can be written in the database of commercial property or other commercial insurance policies. This can protect your company from loss and damages due to a terrorist attack – ... Read more

Renter’s Insurance: Is it for Me?

If you rent a house, apartment, or condo, protect your belongings and home with renter’s insurance!   If you’re wondering if you should purchase renter’s insurance, take a look around your rented apartment. Your sofa, TV, laptop, books, clothes, and jewelry all add up in value. Now imagine that those items are burnt embers from a house fire. If you’re panicking about losing your items and having to replace all of them yourself, you’ll want to secure your belongings with renter’s insurance! Why Do Renters Need Insurance? More often than not, renters don’t think about insurance. After all, they only rent the apartment, and typically, the responsibility of the property falls to the owner. However, those renters have an apartment full of personal belongings that wouldn’t be covered in the event of damage. Rental properties share all of the same dangers as any other home, including fire, lightning, hailstorms, flooding, and explosions. Additionally, ... Read more
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