What is Renter’s Insurance and Why You Need It

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While most people know how important it is to have homeowner’s insurance, many never stop to consider whether renters also need to protect themselves.  (Quick hint: They do!)

Many tenants assume that they don’t need renter’s insurance because any hazards will be covered by their landlord’s insurance—after all, they’re the ones who own the property, right?

Nope.

The landlord’s insurance will cover only what the landlord owns, and that will be limited to the land and the physical structures on it.  Anything inside the building that you own will be excluded by the landlord’s insurance company.

Somewhere in the stack of papers that you signed along with your lease, you would probably find something that says that it’s your responsibility to insure your property, but you either didn’t know or didn’t want to spend the money.

But guess what, you need to have renter’s insurance.

What is Renter’s Insurance?

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Do You Need More Time Off? – Vacation Time in the U.S. Vs. Other Countries

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Around the world, Americans are known for their solid work ethic.

Here in the United States, we place a premium on hard work.

However, that might actually be detrimental to us.

If you are looking for a good work/life balance, the fact that you leave an average of 11 vacation days on the table (according to CNN Money) could be a bad thing.

It might even reduce your productivity level.

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How Does U.S. Vacation Time Stack Up against Other Countries

We take much less vacation than other countries.

In fact, many countries require companies to give a certain number of paid vacation days for employees with 10 years of services.  The United States isn’t one of those countries, but China is (10 paid vacation days).  Other countries include the United Kingdom, with 28, and Japan with 20.
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