July 14, 2017

Rent Or Buy? Whats The Best Move For Your Money?}

Submitted by: David Cunic

At one time I did a lot of work for Citi Mortgage as the creative lead on their online advertising. It was apparent what was going to happen, i.e., the crash.

Citis then CEO, his eminence Charles Prince III, was quoted as saying, Were going to keep dancing as long as the music plays.

Anyway, please raise your hand if youve ever heard any of these:

Renting is like throwing your money down the drain.

Homeownership is a time and money suck.

Youre young! Why tie yourself down?

Youre old enough shouldnt you own a home by now?

If youre stuck in the rent or buy dilemma how do you make sense of all the conflicting advice and decide whats right?


notwithstanding break the debate down into simple lifestyle considerations. Your choice comes down to which will give you the lifestyle you want.

The Joys of Renting:


Renters have the flexibility of moving quickly. If youre sick of downtown, head to the burbs. Or vice versa. If you lose your job, hate your hood, or decide to move in with sweetie pie, you can head out as soon as your lease expires (or pay for an early lease termination).

Access to amenities

You may be able to enjoy super amenities at a fraction of the cost of installing or subscribing to them. From the on-site gym to the swimming pool, your rent may cover it all.

Less responsibility

Leaky faucet? Call the super. Someone else handles the furnace breakdown, and you wont ever have to clear snow from the walkway, or pay for a new roof when renting a place.

Less financial pressure

Owning a home is a long-term responsibility. You are, after all, stuck with your mortgage. (Aside: Mortgage means Death Pledge in French.) When you rent, you dont face this struggle.

Ownership Has Its Privileges And Considerable Pleasures:

Ability to customize

Hate the cabinets in your kitchen? Change them out. Want to turn a laminate countertop into granite? Go for it. As a homeowner, your home is your canvas. Knock down a wall, create your dream kitchen no one will tell you what you can or cannot do.

Freedom to live how you want

Want a dog, a cat, or a litter of gerbils? Want to host a cookout? Feel free. You can do almost anything, as long as its legal and you dont disturb the neighbors when you buy your home.

Financial perks

Owning a home builds equity. And you can write off mortgage interest at tax-time, get tax credits for certain improvements, even turn your unused rooms into rental units. Plus with a fixed-rate mortgage, your mortgage payments never rise. And as inflation kicks in, youll repay your mortgage in cheaper dollars over time.

What Questions Should You Ask?

So where do you see yourself in 3-5 years?

How long will do you plan on living in the same town?

How stable is your job?

Can you afford a home you can grow into?

Are you prepared to sink a large amount of money into a home, or do you have other goals youd rather focus on?

Are you hands-on or hands-off?

Theres no right answer to rent or buy.

About the Author: David M. Cunic, is a successful physical therapist and personal trainer for Pazoo, Inc., a Health & Wellness company for people & pets. To learn more visit us at



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September 17, 2016

End Tables A Furnishing That Is Perfect For Placing In Any Room Throughout Your Home

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By Jesse Akre

When it comes to furnishing and decorating your space, you want to make sure that you do it right otherwise when you have people over, they are going to think that you dont have any style or common sense. So, you want to make sure that you have everything in place and that includes end tables, which are not just a furnishing that you can use in your living room.

End tables are a very versatile piece of furniture and the reason being is they provide a great place for not only setting down items, but for displaying different things as well. You can put lamps on them, family pictures, globes, phones, remote controls, magazines, phones and answering machines, and a lot of other things as well.

Along with their practicality, end tables are also a nice way to complement the dcor that you have going on in your space. This is the result of the eye-catching materials that they are crafted out of, which feature a wide variety of gorgeous finishes. For example, you can get one that is crafted out of wood that has a gorgeous cherry finish or one that is made from a combination of metal and glass with the metal featuring a brushed finish. All of the material and finishing options create selections of all different sizes, styles, designs, and shapes from those that have an antique feel to those that are very modern, others that are very traditional and some that even are a little bit of each. You can even get ones that have storage features with drawers, cabinets, and shelves.

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For a fantastic way to see all the different options that are out there, instead of heading to your local furniture store, make a b-line for your computer and hit the Internet. You can browse all the online stores and their products in no time at all and when you do find something you went, it will probably end up being at a pretty reasonable price.

Because of their practicality and beauty, end tables would be a great choice for completing the look and feel of any room throughout your home. Sure, they are a traditional option for putting in the living room since they would be a nice accent piece to the other furniture in there, yet at the same time they would also be a great choice for putting in other rooms as well. Like, your bedroom for example, if you are sick of those nightstands next to your bed, then replace them with a few end tables. Or, maybe you have some empty corner in your bathroom, well, a nice option would be one of the antique variety to really cap off the appearance of the space.

In the end, if you want to show off your decorative know how you need to have all the pieces of the puzzle put together when it comes to your space and one of those pieces are lovely end tables. Without them, your space would be incomplete and that is definitely not a good thing.

About the Author: Jesse Akre provides online consumers with buying advice when purchasing lavish

end tables

, beautiful

oak end tables

, and elegant

antique wood end tables



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