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The only thing in life that never changes is the fact that things change. Whether you’re older now and your kids are gone, or the sheer expense of owning a home is starting to feel unreasonable, downsizing from a house into an apartment might well number among the changes you’ll experience. If you’re thinking about downsizing, here are some things to look for when you go from owning to renting.

No Maintenance Required

One of the most favorable aspects of renting for most people is the freedom from the burden of maintenance. When you rent, if the plumbing backs up, you call the landlord or the property manager. Ditto if the roof leaks. On the other hand, if your mortgage is paid off and all you’re paying for is property taxes and maintenance, renting might be more expensive in the long run. For this reason, it’s important to do a cost/benefit analysis to make sure your decision is sound from a financial perspective.

Asking for Permission

If you make the decision to rent, there are a few lifestyle adjustments you’ll need to make to accommodate your new situation. For example, if you want to remodel your apartment, you’ll need to get permission from the property owner. Similarly, if you’d like to plant a flowerbed, or hang an herb box outside your kitchen window, you’ll want to look for a landlord who is amenable to changes.

Another thing to look for when you’re going from owning to renting is a community within which your values are shared. Ideally, everyone in the complex will have a similar sense of propriety respect for the sanctity of one another’s homes and understand the value of a peaceful environment. In other words, if you’re of retirement age, you’ll probably want to avoid moving into an apartment complex bristling with the manic activities of twenty-somethings.

You’ll also need to attend to your homeowner’s insurance policy. This is something many people who rent overlook, thinking the landlord’s insurance will cover losses they’ll incur if something happens to the building. The fact of the matter is the landlord’s coverage will only replace the building. Your possessions won’t be covered, so you’ll need renters insurance. To make sure you get a good deal, conduct a renters insurance comparison to find the most affordable coverage—always taking into consideration the current replacement value of your belongings.

One of the hardest things to do will be deciding what to take with you. If you’re moving from a three-bedroom house with a family room, study, dining room and living room you’re going to make some pretty hard choices about what to take and what to let go. Some of it will be obvious, but with less closet and storage space, a lot of your “stuff” will have to fall by the wayside. In many cases this will also mean letting go of some deep-seeded emotional attachments.

The best way to approach this is to take stock of your possessions and categorize them under the following headings; Gotta Have, Could Live Without, Replaceable and Family Pet. Seriously though, while everybody knows your dog Hunter gets to come along; do you really need to hold on to that 65-inch flat screen for a 1,200-square-foot apartment?

With a bit of planning and careful consideration, downsizing can be quite painless. It also holds the potential for an entirely new lifestyle. So rather than looking at it in terms of what you’re giving up, focus on what you’re gaining and the change will be much more enjoyable.


Owning equipment is by far the most convenient way to use it – it’s yours, for better or for worse. On the other hand, while owning desks and computers for your business goes without saying, buying everything sometimes isn’t the best solution. Even if you opt for buying used equipment, your finances will likely be in worse shape (even in the long term, depending on your business type) than renting what you need.

Advantages of renting equipment are numerous, so let’s take a look at some of the main benefits.
Renting is Cost-Effective
Despite what many think, ownership doesn’t always beat renting […] Continue Reading…


Want to quit your job and start something new on your own? Looking for start-up ideas to consider?

Let’s take a look at 4 potential businesses that are worth considering.
This kind of work requires verbosity, language skills, and certain computer skills (which most of millennials already have). It offers a wide range of jobs, such as content and SEO writing, proofreading, ghostwriting, and web page writing.

This type of work is usually freelance based, meaning you could be lounging in bed and getting paid for it. If you’re well experienced and good at what you do, companies may offer you a […] Continue Reading…


Working in a big and successful company makes you always strive for more, so you ask for a well-deserved raise, wish to bring in more clients and try to be the best employee you can. However, sometimes this just isn’t enough for you and your peers, so you decide to do something even bigger. A management buyout, for example, is quite common nowadays and it involves a group of managers who decide to purchase the business of the company that currently employs them. Thus they become owners, which is always good.

If you’re interested in making such a change, […] Continue Reading…


You may think that your limited liability company (LLC) will limit your personal liability if someone sues your company. But will it? In reality, this liability protection can be breached purely based on the way you run the company.

If there are multiple members in the LLC and one member exposes the company to liability, are all the other members protected in their personal assets? Will a court limit any claims strictly to member contributions, or will it reach behind the protections you think you have, and come for your home, your spouse’s income, or any other personal asset?

A court […] Continue Reading…


Change is vital for success, and moving your office may be quite daunting. Whether it’s because your business is booming, or you want to get closer to your current consumer, explore new leads, improve and expand facilities, or you simply want to cut costs, moving to a new location can be the next step in your business’ success story.

However, moving shop has its own set of challenges and specific problems, and knowing how, when and why to successfully re-locate your office may mean the difference between making it big or falling short of your ultimate goals.

This article will give […] Continue Reading…


If you are among those who have always wanted to start their own business but the notion of leaving the current 9 to 5 job seemed too risky, do not give up on the entire idea yet. The best way to go is to gradually start developing the kind of work you dream about as a side business. The risk involved is significantly lower and if the success starts to grow, giving up your current job will not seem that scary anymore. Consider these ideas; there is a great chance you will be able to find one that will […] Continue Reading…


Currently among the most popular ways of doing business, startups are often thought of as something that is designated to rise fast and fall quickly. Despite this misconception, proper startups often turn into quality companies that thrive in success as the years go by. In order to run a quality business, getting introduced to the basics of starting a startup is necessary.
The Main Idea
Simply jumping into the world of business based on the need to achieve success is important, yet far from enough. Startups that are a result of starting a business for the sake of business are the […] Continue Reading…


It is always tough to run a business, whether you own a big or small one. As an entrepreneur, there are a lot of things you need to think of before you start your new venture. You have to ensure that everything is prepared and planned out well.

Once you have built your enterprise, you need to take a serious look of your finances. This is one of the most vital factors in every business, so you really have to exert more effort in managing your finances. It might not be easy to do it at first, but you will […] Continue Reading…


Many people know precisely what they wish to be when they grow up, perhaps following in the footsteps of a family member or having been inspired by some experience. But for others, just choosing what to study at college was hard enough, never mind what to do upon earning their degree. If you majored in accounting, for example, you have many career options to explore.

You’ll be glad you completed this degree, since the earnings gap between those with and without four-year college degrees in accounting has widened in recent decades, with the Bureau of Labor Statistics reporting that holders […] Continue Reading…