Money Tips Network

Nearly one-third of car accident fatalities involve a driver impaired by a substance. To keep others safe, there are some serious consequences for driving while under the influence of a substance. If you drive impaired, you run the risk of getting cited with a DUI (driving under the influence) or a DWI (driving while intoxicated or driving while impaired). Learn the difference and the consequences of each.

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When you’re young, single and independent, you don’t need to think much about protecting your assets if you die. But when you reach certain milestones, your financial life and responsibilities change. After you get married, buy a home or have a child, you must consider how your loved ones will carry on without you.

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After you close the deal on a new home, the next step is to purchase homeowners insurance. If you’ve purchased insurance in the past, you know it’s not always cheap. In fact, the average homeowners insurance rate in the U.S. was $1,211 per year, as of 2017.

If you’re in the market for homeowners insurance, you don’t have to settle for an expensive rate. You can find a great deal on homeowners insurance by getting multiple quotes and comparing them. In this article, we’ll help you understand how insurance quotes work, how to get one and how to compare them.

Once I had some appreciation of the value of financial goals, my first real financial goal was to pay off all of our high-interest debt. It was a very tangible, real goal — a nice short- to medium-term goal for which I could easily track my progress, easily figure out things to do each day to move me toward that goal and achieve success within several months.

From there, I moved onto other, similar tangible goals. I wanted to be completely debt-free — no student loans, no car loans, no anything. That took us roughly a year. Then, we bought a house and I wanted to get rid of that mortgage, which took us about four years by aiming to make at least a triple payment on our mortgage every month.

What happens after that?

Table of Contents

• Home Insurance Considerations
• Home Renovations
• Emotional support resources
• COVID-19 Health and Safety Concerns

In 1940, about one-quarter of the U.S. population lived in homes with three or more generations of their family, forming what is known as a “multigenerational home.” But after World War II, the significant expansion of suburban housing developments and the concept of the “nuclear family” took hold.

As people look for ways to donate in today’s climate without overextending their financial resources, many are getting creative and turning to providers they already use. Numerous providers partner with charities, organizations and initiatives as part of their corporate social responsibility commitment. Whether it’s through companies providing home, life or auto insurance, for instance, it’s an indirect way of using your dollars to help the community and those in challenging circumstances.

Americans long to help those in need. As a nation, we voluntarily donate seven times more than continental Europeans. Statistics show that 60% of U.S. households donate in a given year, with average contributions adding up to between $2,000 and $3,000.

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.

There are times — and for many of us, 2020 has been filled with them — where we feel like giving up on our dreams.

There are a lot of reasons for that feeling. It might be simple frustration or dissatisfaction with the world at large, causing us to feel like our old goals are now meaningless. It might be that changes in the world have seriously altered the path we expected to take going forward. It might be that we simply feel a much stronger desire to be cautious with our next steps rather than taking a leap and trying something big and new.

Whatever might be the root cause of that change of heart, the end result is the same. The dreams we’ve been chasing for months or years no longer seem realistic or important, and we feel like giving up on them.

When you think of higher education, the first thing that comes to mind is probably an on-campus learning experience at a bustling university. On-campus education offers structure, the opportunity for communal learning and a strong sense of community. But it may not be the best decision for everyone, especially during the Covid-19 pandemic.

You may enroll in a traditional four-year educational institution, only to discover that it wasn’t the right choice. It may be that your financial situation has changed, and you can no longer afford high tuitions. You may also be experiencing a change in your life circumstances or you might want to change your major or field of study.