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Q: My mortgage lender is requiring me to take out a homeowners insurance policy before I close on a new home. What do I need to know about this process? 

Q: I’ve just signed a lease on a new apartment and I’m wondering if I should be taking out a renter’s insurance policy as well. What do I need to know? 

It’s time to celebrate the significant other in your life! If you’re thinking that means pricey gifts, expensive dates and blowing an entire day’s salary on a restaurant meal, think again. There’s no need to drain your wallet while trying to create the perfect Valentine’s Day. Instead, use these eight hacks for a dream Valentine’s Day that doesn’t break the budget.