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    enting after you total the cost of mortgage, maintenance, taxes, and utilities.

    -Features: Some

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    For first time home buyers deciding to take the plunge and buying a home can be a tough decision. Especially in today's real estate market with prices flat or declining. Here are arguments for both renting and buying.

    The pluses for renting versus owning:

    - Monthly costs: Renting can be more cost-efficient than owning if utilities are included. The monthly cost of owning is usually more than renting after you total the cost of mortgage, maintenance, taxes, and utilities.

    -Features: Some

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    cially in today's real estate market with prices flat or declining. Here are arguments for both renting and buying.

    The pluses for renting versus owning:

    - Monthly costs: Renting can be more cost-efficient than owning if utilities are included. The monthly cost of owning is usually more than renting after you total the cost of mortgage, maintenance, taxes, and utilities.

    -Features: Some

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    g and buying.

    The pluses for renting versus owning:

    - Monthly costs: Renting can be more cost-efficient than owning if utilities are included. The monthly cost of owning is usually more than renting after you total the cost of mortgage, maintenance, taxes, and utilities.

    -Features: Some

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    ost-efficient than owning if utilities are included. The monthly cost of owning is usually more than renting after you total the cost of mortgage, maintenance, taxes, and utilities.

    -Features: Some

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    enting after you total the cost of mortgage, maintenance, taxes, and utilities.

    -Features: Some rental apartments offer amenities that are not found in smaller condo/co-op buildings or single-family houses such as 24-hour door attendant, dry cleaners, or a grocery store. Unless you purchase in a full-amenity building you will most likely have to go off-site for some services you are accustomed to having only an elevator ride away.

    -Maintenance and repairs: Renting allows you the luxury of repa

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