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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

Does My Roommate Need Renter’s Insurance?

Renter’s insurance protects your belongings and living space! From the kitchen to the living room to your favorite sweater, most roommates share everything. Roommates are often the siblings you never asked for (or got), but there’s a mutual likeness when sharing a living space with another human being day in and day out. Whether you watch reruns of The Voice together every night, or stay in your room to avoid awkward small chat, many roommates think that if one of you has renter’s insurance, the coverage extends to the entire apartment and all of the contents. This is a costly misconception. Renter’s insurance protects the property of the people listed on the policy. Unless your roommate is listed as an additional insured on your insurance policy (or is a domestic partner, spouse, or a member of your family), their things will not be covered. Here’s the lowdown on renter’s insurance for roommates: A roommate does ... Read more