8 Benefits Of Renting

Ever since I graduated from graduate school, my family has routinely asked me when I was going to buy a house.  They are concerned about the money I am "wasting" by renting.  They want to see me with an asset that will grow and serve as investment for the future.  However, there are several good reasons why my husband and I choose not to own a home at this time in our lives.  Homeownership is not always an investment .  As the current market shows, owning a home can often be a liability.  Consider how many homeowners are currently upside down in their mortgage or are fighting off foreclosure.  In addition, many people have seen the value of their homes decline by 20 to 40%. Homeownership can be financially dangerous .  I am a firm believer that people shouldn't buy homes until they can afford them, which means that they are able to pay at least 20% down, have an emergency fund of 8 months or more, and can afford not only the mortgage payment, but the other expenses such as taxes and maintenance.  My husband and I are not at that point yet. There is no flexibility . We would like to move closer to family within the next three years.  Because we are renting, we can move when our lease ends.  We have no obligation.  However, if we owned a home, we would have to wait until our home sold (which in this market could take awhile), or we would have to be willing to drastically reduce our selling price. All repairs are our responsibility .  If we own a home, all repair and maintenance costs would be our burden; they are not when we are renting.  When the tile on the shower wall fell off and revealed that the tile had allowed leakage behind the wall, our landlord was responsible for buying a new tub surround, not us.  When our parking space gradually turned into a sinkhole as the pavement gave way to the weight of the car, our landlord was responsible for the $3,000 fix, not us. The tax burden would be on us.

Home And Renters Insurance - News


8 Benefits Of Renting

I am thankful to avoid these taxes as a renter. Home insurance is more expensive. We are currently paying $100 yearly for renter's insurance. Homeowner's insurance would likely cost us 5 to 8 times that amount per year. Plus, we would be responsible



Police say city safer after 18 raids in three days

Theirs was one of eight homes in Citadel that were gutted in December 2009 when a fire was sparked by a marijuana grow operation hidden in a neighbour's house. Insurance paid for a new home on the same spot, but the Prestages haven't completely



Studying renter's insurance

College students around the state have already settled into their new home away from home. Renters insurance is just as important as text books for college students. Many of today's young adults have a multitude of electronic equipment with them when



Help Coming in for Fire Victims

In many cases, a school or church group steps in to coordinate more personal assistance from the community - offers of home-cooked meals, child care, and such. And people with homeowners or renters insurance typically begin the claims process for the



Appliance Replacement Grants Available to Residents

Homeowners and renters can apply to NYSERDA at www.nysappliancerebates .com or by calling 1-877-697-6278. I know that the recent storms we experienced caused not only physical damage to our homes but financial damage to our wallets as well.




New Orleans Cleaning Services - Compare ... - Renters Insurance

New Orleans cleaning services can help you check off your to-do list so you can get to the things that matter, like spending time with family and friends. When houses and apartments accumulate dirt and clutter over time, it can seem like an insurmountable task to get them looking like new again and you may even feel that you have to make a New Orleans renter insurance claim . If the mess has become too much to handle, call in the professionals. New Orleans cleaning services can make your rental unit a more pleasant place to live.

New Orleans cleaning services can be customized to meet your needs. They can be scheduled for weekly, bi-weekly or monthly visits, or for a one-time cleaning, giving you a clean slate to start your own housework routine. They can even prepare your home for a New Orleans Mardi Gras blowout and take care of the after-party clean-up.

New Orleans is home to several colleges and universities, including Tulane, Loyola University New Orleans and Louisiana State University School of Medicine, among others. When New Orleans students move out of apartments at the end of the semester, they may need help getting them up to snuff for move-out inspections. New Orleans cleaning services are available for these one-time jobs that are well worth the cost to recover a security deposit.

What to Expect

When hiring New Orleans cleaning services, you want to know what to expect. Allowing strangers into your home shouldn't come with surprises. Always interview a maid service in person to get comfortable with the people coming to your home and their policies. Each service operates differently, but there are a few things you can expect.

Most cleaning services bring their own supplies. If you have special surfaces like stone countertops or antique wood furniture, let the company know ahead of time. You can also supply your own cleaning solutions if you have a specific preference. Some LA companies will advertise that they are Green Clean certified, which means they use eco-friendly supplies and techniques. If the service you choose is not Green Clean certified and you prefer green solutions, feel free to supply your own.


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Atra Vir Capital I can now offer auto, home, commercial, and renters insurance. Feel free to call 404-806-8162 www.atravircapital.com


Home And Renters Insurance - Bookshelf

At home, a short history of private life

At home, a short history of private life

Creator: Bill Bryson | Architecture -
The award-winning author of A Short History of Nearly Everything explores the ways in which homes reflect history, from a bathroom's revelations about medicine ...
Publisher: Doubleday Books

Pride and prejudice, a novel in three volumes

Pride and prejudice, a novel in three volumes

Creator: Jane Austen | Fiction -
CHAPTER I. Elizabeth, as they drove along, watched for the first appearance of Pemberley Woods with some perturbation ; and when at length they turned in at ...

Romeo and Juliet

Romeo and Juliet

Creator: William Shakespeare |
\1 ONTA n'p ~) ' y heads of two Houses at variance with each other. Capulet, j Romeo, son to Montague. Mercutio, kinsman to the prince, and friend to Romeo. ...

Crime and punishment

Crime and punishment

Creator: Fyodor Dostoyevsky | Crime -
CRIME AND PUNISHMENT N an exceptionally hot evening early in July a young man came out of the garret in which he lodged in S. Place and walked slowly, ...

War and Peace

War and Peace

Creator: Leo Tolstoy | History -
Read by Tim Pigott-Smith - 3 and 4 of set of 4 Cassettes.
Publisher: BompaCrazy.com

Home Insurance Rates Directory


Allstate
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Renters Insurance Quotes and Information | Liberty Mutual
Find out more about Liberty Mutual's renters insurance quotes and information on how they can protect your apartment.

Renters Insurance
Provides free renters insurance quotes from multiple home insurance companies to help you save money.

Renters Insurance: Online Renters Insurance Quote - Progressive
Safeguard your apartment or rental home with renters insurance from Progressive. Our renters insurance protects you from real life dangers like fire, ...

Home Insurance
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