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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

Do “Empty Nesters” Need Life Insurance?

Leaving parents home alone, protected. Kids gone off to college? Downsized into a smaller house now your children have moved out? There are many reasons why the children flee the nest, leaving parents feeling the ‘empty nest’ syndrome. Many parents wonder if life insurance is needed, now that their children have left home. The answer is – quite possibly! Here are 5 reasons why you should still own life insurance: To meet goals If your children are in college and are not completely financially independent, life insurance can help. From kids’ college tuition and living expenses, to payments for the surviving spouse and children, finances can be aided. To create a financial “safety net” Emergency funds help in the event of a unplanned financial payment, so if a household doesn’t have an emergency fund, the post-death family will be even more financially vulnerable without one. Furthermore, it might also be somewhat more difficult for the ... Read more