I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…

I was recently asked this question by one of our Toto Group, LLC. clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of…

Why do my auto insurance rates keep going up even though my car is getting older?  At Toto Group, LLC., many of our clients ask this question so I would like to address it from a couple of angles. First…