In Miami, there’s no getting around the fact that we need strong roofs over our heads. When you’re part of a condo association, roof maintenance, repair, and replacement is the often responsibility of the association at large, and, depending on your governance...

From a personal finance perspective, you know the importance of saving for a rainy day in case your car needs a new transmission or your air conditioning unit suddenly goes out. Because we know these things may happen at some point in the lifetime of the item, we plan...