Welcome to the second edition of our series mash up of National Garden and Financial Literacy Month. Haven’t seen the first edition? Read Aquaponic and FinTech: Growing Financial Literacy for First-Time Homebuyers. Today we’re talking about composting and tax credits.

If you’re thinking of buying a house, you already know that having good credit is, well, a good thing. But what is a good credit score? And what goes into determining it exactly? Here, we’ll delve into the mysterious but oh-so-important number.

With the rising cost of rental properties in Nevada and low, homebuyer-friendly mortgage rates, the answer to the age-old question, ‘to rent or to buy?’ may be decidedly more clear than in years past. But is homeownership right for you? Your pocketbook? Your lifestyle? Your future? Let’s tackle the question(s) at hand.

We Are Pro-Homebuying, Mostly

We’re not going to mince words. The Recession was like a swift kick to the stomach. Maybe lower. At one time, Nevada earned its title as the Foreclosure Capital of America with 1 in 16 homes filing for foreclosure, compared to the national average of 1 in 69 according to CNN Money. Thankfully, Nevada is on its way to recovery. We even ditched our unsolicited title.

Rumor has it that millennials aren’t buying homes. We wanted to see if that’s actually true, and if so, why not? So we did our homework. (See what we did there?)

First of all, who are millennials? They’re anyone in the generation of people born between 1982 and 2004, so say most sources. By the end of 2016, they’ll be the nation's largest living generation according to The Pew Research Center.