disadvantages to renting:

If you’re a Millennial—or have a son or daughter who is a Millennial—you’ve probably had a discussion about renting or buying a home. It can be a hard question to answer, especially with the steadily-rising prices of houses.
However, there are clear disadvantages to renting:
  • Someone else controls all the rules, not you (such as whether you can have a pet).
  • You’ll see a steady increase in rent over time.
  • Zero tax advantages.
  • You have no say if your landlord wants to move into your place or sell to someone else.
The biggest disadvantage: You give away your money. Renting means you never will have the chance to build equity in a home. Instead, you give that opportunity to your landlord.

When and How Much Should You Water Your Lawn?

Watering your lawn

© Chris Clor – Blend Images/Getty Images

For green, vibrant grass, it is essential for homeowners to learn about aerating, seeding, and watering their lawns to keep the curb appeal intact, according to realtor.com®’s Lawn Lover’s Guide.


“When you don’t give your lawn enough water, it grows with shallow roots,” says Don Botts, the president of Quality All-Care Services in Bonner Springs, Kan. “This can stunt the growth of your grass and make it harder for your lawn to survive severe temperatures or disease.”

So when is the ideal time to water a lawn? Many may assume it’s at night, but experts say that’s wrong. Instead, the best time to water a lawn is in the morning, between 4 a.m. and 10 a.m., Botts says.

“There are a lot of people who are surprised to find out that watering your lawn at the wrong time of day can have such an impact,” Botts told realtor.com®. “Watering at night often means that water will sit on your grass overnight, which can lead to disease.”

Also, lawn experts say it’s important not to water during the hottest part of the day. The heat will cause the water to evaporate quickly before the water has a chance to penetrate the roots of the grass.

It’s important to make sure grass gets enough water, but not too much either. For homeowners who have underground sprinklers, Chris Bartells, owner of Green Mountain Turf Sprinkler Repair in Lakewood, Colo., recommends placing empty cans near sprinkler heads and checking to see how much water the sprinklers emit in a span of 15 to 20 minutes.

“Then measure how many inches of water is in each can, using a ruler,” Bartells suggests. “Average that by the amount of time you ran your system, and you should end up with a pretty good estimate of how long your lawn needs to be watered to get the full inch or two of water that it needs [per week].”

4 Misconceptions About Life Insurance

Life insurance myths are plentiful: Many people think they don’t need life insurance, they’re adequately covered through an employer’s policy, or they can’t qualify or afford it. Here’s the truth behind these myths.

1. If you’re young, you don’t need it. 

In reality, life insurance could help your family pay your final expenses if you pass away from an unexpected accident or illness. If a parent has cosigned a loan with you, naming them as your beneficiary on a life insurance policy means they won’t be saddled with the loan if you pass away before it’s paid off.

Buying life insurance when you’re young may also help you lock in lower rates in the long run since premiums are partly based on age and increase as you get older.

2. If you don’t have dependents, you don’t need it. 

Think ahead to the future: Do you hope to have a spouse or children someday? If so, getting insured now means that you can protect them later, even if something happens to your health in the meantime.

3. If your employer provides it, you’re set. 

What happens if you lose your job, though? Don’t expect to take your policy with you. Further, work-based life insurance might not provide as much protection as you need, and if you’re healthy, you might find a better rate with an individual policy.

4. You think you can’t afford it or won’t qualify because of your health. 

Today’s market offers many policy options, making it possible for almost anyone to find one that meets at least a portion of their needs. Don’t assume anything before researching the choices available.

Have questions? Reach out today.