Car buying advice Insurance tips Whether used or brand new, every vehicle requires auto insurance. There are several important things to consider when purchasing car insurance. The right company, price and discounts are a just a few important factors. There are a variety of ways to save money if you are college student, so when researching, consider the following: Keep your options open to at least three to four car insurers. This can help save money by comparing different companies and what they cover. Not sure which one to choose? Consider getting under the same insurance company as a family member, because some insurance companies will provide discounts. Knowing what your insurance covers will also help save money. It’s mandatory in all states for a vehicle to have a minimum of liability insurance. Even though the insurance covers … Read entire article »

Banks vs. Credit unions There is a substantial difference between a bank and a credit union. However, some do not understand the difference. Banks A bank is a for-profit institution that holds money, invests it and turns a profit. Banks offer solutions for financial needs, including different types of accounts to deposit money, credit cards, online banking and loans. Most banks also have multiple locations and ATMs. Like any business, a bank’s main priority is to keep shareholders and investors happy by earning a profit through a variety of investing activities. Credit unions A credit union is a nonprofit entity that pools members’ money to provide loans and services to other members. Customers must qualify to join, with qualifications varying from occupation to the community in which ones lives A credit union tailors for members as opposed to seeking a … Read entire article »

To continue with this month’s theme on the topic of renting, we wanted to discuss the person who owns the complex that you live in, the landlord. Having a good relationship with your landlord is very important. It can make your life easier when problems arise with your apartment or house and can serve as a reference for future leases. If you keep a few guiding principles in mind, you should be able to keep yourself on good terms with your landlord and protect yourself in case issues arise. First, know your rights and responsibilities. Be sure to familiarize yourself with an overview of the landlord-tenant law in your area and know what is expected of you in your lease. Easy to understand, bullet-point style guides can generally be found online … Read entire article »