When you are planning to buy a car and don’t have the entire amount to pay, there are two options available before you. One is to lease the car and pay a monthly lease on it. The other is to take it through financing and repay the loan every month with interest. This article looks at the pros and cons of financing and leasing to help you make an informed choice while buying a vehicle: 1. Leasing To understand all the differences between financing and leasing a vehicle, it is important to look at the pros and cons of each process. The benefits of leasing are: Unlike car loans, the amount you pay to lease a car is much lesser. This makes monthly payments cheaper, allowing you to save money. You can take a lease for two years and change your car every two years and get the latest model if you wish. You have a warranty on the car that can protect you in the event of an accident. You don’t have to worry about your repair bills. You don’t need to worry about getting loan approval. The cons of leasing are: You don’t own the car; it belongs to someone else.

There are several plants that you might have brought into your home, completely unaware of the fact that it might be toxic for your pets, especially cats as they roam around plants quite a lot. Houseplants that endanger cats may sometimes even prove to be fatal. It is important to choose your plants wisely and know what to do if things go south: 1. Aloe vera Aloe vera is a common houseplant and has a variety of beneficial properties for humans. But the same cannot be said for cats. If you have noticed your cat vomiting or looking depressed, it is most likely that it has come in contact with aloe vera. Diarrhea and unusual urine color are also indicators of poisoning. 2. Asparagus fern An asparagus fern may give your indoor garden a lush, green look but it definitely will do no good to your cat. Symptoms of possible poisoning are allergic dermatitis with repeated exposure to the sun, and the indigestion of its berry can result in gastric problems such as abdominal pain, puking, etc. 3. Branching ivy Also known as English ivy, this is one of the most dangerous houseplants that endanger cats. You can see it growing through cracks or on the walls of old buildings.

Your credit score plays a major role when you need credit or want to take a loan. A bad credit score can make it difficult to get a loan. To understand how to improve a bad credit score it is required to know the basic facts about credit score. What is it? The first thing to do if you want to know how to improve a bad credit score is to understand the basic concepts of credit score. We can define credit score as a number that tells how creditworthy a person is. This is a score that is calculated on a scale of 300 to 850. A higher credit score indicates that a person has a higher credit rating. This means that a lender can safely lend knowing that the money loaned will be returned in a timely way. A lower credit score indicates that it is risky to lend to the person, as the chances of getting back the loan can be less. Credit score meaning A low credit score is obviously a problem. It is required to know what credit score is considered low. The credit score of FICO (Fair Isaac Corporation) is the one that is most popularly followed.

Stock investing is not an easy task and to be successful, it is beneficial to know the important tips for stock investors. These guidelines can help you deal with the ups and downs of this market and help you be a smart investor. Buying a stock is crucial as it gives you ownership of the company’s share and you get to claim a part of that company’s assets. The good thing about investing today is that each investor has access to a huge amount of information. But the flip side is that not many understand the industry lingo. So, whether you have been investing for a while or you want to try a hand at investing in stocks, you should try and follow these 10 important tips for stock investors. To begin with, you must first understand your financial situation, whether you have the amount of money you need to make a commitment. Ideally, you must not have any debts to be resolved, and at least six months’ worth of living costs in some account. Only then can you consider investing in stocks. When you aim for higher returns, you need to be able to take more risks. However, most investors try to take a safer path and neither take too many risks nor be completely risk-averse.

It was not long ago when a new car would be checked only for a couple of airbags, anti-lock brakes, and traction control, and you would be good to go. But things have changed now. Buyers today are not going to be satisfied with only the basic safety features in cars; they want more in exchange for their steep investments. Surveys conducted by the Insurance Institute for Highway Safety suggest that modern safety features have actually brought down numbers of fatalities in road accidents. So before buying a car, you can look for these safety features : Seat belt: When it comes to safety features in cars, the seat belts provided by the manufacturer are a top consideration. These ensure you are safe inside the vehicle when there is a collision. You are less likely to suffer head and body injuries because of collision with the dashboard, windshield, or steering wheel. Pretensioners are also useful as they will retract the belts when needed to remove excess slack. Some carmakers even have a rear shoulder or center lap belt particularly for the safety of children seated in booster seats and older kids. Adaptive Cruise Control (ACC) is provided in most modern cars and it uses radars and sensors for locking onto the car just in front so that you can keep a safe distance from it; you can speed up when you wish to and brake when the traffic is slowing down.