In these uncertain times, you can gain a little peace of mind if you have a garden that will provide your family with fresh produce.
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.
1. Rebalancing my retirement funds
2. 2019 Roth IRA contribution date?
3. Prepping as hobby after this?
4. Work from home new normal?
5. Disney+ and family movie night
6. Withdrawing cash from bank?
7. Helping out while unemployed
8. Mortgage break question
Image courtesy Nintendo
Nintendo’s “Animal Crossing: New Horizons,” is a huge hit, breaking sales records for the Nintendo Switch as more and more people start looking for ways to pass the time at home. But the game also teaches players about financial responsibility and managing debt.
If you’re not familiar with the Animal Crossing series, New Horizons lets you create a human person who moves to a small island filled with animal people and slowly builds out a home and a life there.
While most insurance companies are for anyone who wants to pay, The Hartford caters to a specific audience. In fact, if you’re under the age of 50, you’ll have to go through an independent insurance agent to get a policy with this provider. The Hartford targets a fairly specific demographic: AARP members.
With the AARP® Home Insurance Program from The Hartford, policyholders get discounts to keep their cost of coverage down while protecting their home through the later seasons of life. The Hartford even offers credits for retirees. If you’re an AARP member or are thinking about signing up, consider this coverage. If not, you might be better off shopping elsewhere.
Find the Best Home Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
Roof damage is whenever the inside of your home is not protected because vulnerabilities have occurred in the roof structure. It can happen a variety of ways. These include:
When roof damage occurs, take the appropriate steps to fix it as soon as possible so your home and everyone inside it is protected.
Find the Best Home Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
Whether you’re a new home buyer or a long-standing customer, it’s worth at least getting a quote from American Family homeowners insurance. With a broad range of coverage options, several discounts and plenty of digital tools and resources, American Family Insurance can meet most peoples’ needs.
American Family gets average scores for customer service and policy pricing, so it’s worth getting a quote to get an idea of what your policy would cost. Plus, you can get a quote online or work with an advisor to personalize your quote so you have a more specific idea of your premiums.
It’s been my experience that if you leave yourself too much idle time, you usually end up doing things you regret. Perhaps it’s just as simple as wasting away the hours watching random television programs and movies, or maybe it’s something destructive and wasteful that you’ll regret. Whatever the case may be, a sudden abundance of time can lead to some bad routines.
A much better approach is to find useful ways to fill that time, particularly in terms of making things, learning things, or optimizing things for later.
Here are eight projects to take on during moments in life when you have more time than you expect and are struggling to find worthwhile things for idle hands to do.
Maintain your appliances.
There’s really no better time than right now to go through each of the appliances in your home and give them some maintenance love.
Guide Includes
Finding transitional housing after leaving an abusive relationship is complicated under normal circumstances. Natural disasters and unexpected events across the world affect victims of intimate partner violence differently than the rest of the population. Take the coronavirus (COVID-19) for example.
AAA Home Insurance is a good option if you are a AAA auto policy holder, giving you several opportunities to take down your monthly costs. If you live in one of its serviceable states, there are numerous discounts you can use to save money.
Our AAA homeowners insurance review will help you find out if this is the ideal provider for you.
The specs
What Is Condo Insurance and Do I Need It?
Condo insurance is similar to homeowners insurance but is a specialized policy because your home structurally shares the same building with other units.The condo association should have its own master policy, but your individual coverage is also required to get a mortgage. Having your own insurance also helps protect you from individual liability and covers your belongings.
If you’re thinking of moving to a condo or already live in one, find out the key features of condo insurance so you know exactly what is (and isn’t) covered. You can also create a smart strategy for getting the best price and plan from a reputable insurance carrier.
Direct Auto Insurance Company is an auto insurer owned by Direct General Group. Since 1991, this Tennessee-based insurer has specialized in auto coverage for high-risk motorists.
The company offers bare-bones plans to people who have trouble finding insurance coverage with other companies based on their spotty driving history. Direct covers 11 states, mostly in the South. While Direct auto insurance reviews may be smaller in number than reviews of big providers like Allstate and Geico, there is still enough information to evaluate this company and decide if it’s the best option for you.
Although Direct might not be the top auto insurer in many places it’s available, people who need high-risk auto insurance will appreciate the policies the company offers its customers.
We are living through an unprecedented moment in modern history, the type of moment that we tell our children and grandchildren about in the future. The world will have likely changed in notable ways between the time I write this and the time you’re reading it. It feels unbelievable and scary and confusing all at the same time. This is an incredible chapter in the history of our lives, individually and collectively.
Yet, for almost all of us, it’s not the last chapter.
As this moment passes and life returns to some level of normalcy (likely with some changes, though those remain to be seen), many of the familiar cycle of life will return with it.
We’ll return to work in a more normal way. We’ll return to school. We’ll return to our houses of worship. We’ll gather again in our public places. We’ll travel. We’ll meet up with friends. We’ll have parties.
The COVID-19 pandemic has caused upheaval at every level in society. Workers are being laid off or having their hours cut, hospitals are experiencing shortages and state governments have mandated “shelter-in-place” conditions for people across the country.
Meanwhile, universities have shut down, evicting students from dorms on short notice and shifting lessons online. Some institutions have even had to cancel or postpone commencement ceremonies.
All of this caused panic and confusion among young people, who may not be as equipped to deal with financial hardships as older adults.
“Because of the ever-changing environment right now, many are faced with unexpected expenses and have had to make major adjustments,” says Valerie Moses, senior relationship manager at Addition Financial, a credit union in Central Florida.
Anyone who has ever swiped their credit card at a merchant knows how easy it is to use the device for a purchase, but correctly reading a credit card statement can be more complicated. When the statement comes in the mail or through email, understanding your purchase and payment activity becomes a bit more difficult. You might be asking yourself — how do I read my credit card statement?
Your eyes might focus on three primary pieces of data: the credit card balance, the minimum payment and the due date. That’s an excellent start, but there’s a lot more information to take away when you break the statement down piece by piece.
Some people use credit cards strictly for convenience and making everyday purchases. Other people use a multiple credit card strategy to maximize rewards and squeeze every drop of earning power out of sign up bonus offers. If that describes you, there’s no shame. However, you should know that your moves haven’t gone unnoticed by the big banks. At least one of the card issuers — Chase — has set a limit on your ability to put some well-oiled, points-earning machinery in place. This speed bump on the road to rewards domination is the Chase 5/24 rule.
What is the Chase 5/24 rule?
First off, it’s important to note what the Chase 5/24 is not. It’s not actually a “rule.” That is, you won’t find it written down anywhere in Chase’s official documentation.
You’re stuck at home. For a lot of us, there are other people there, too, all the time. The news is difficult to watch. There’s some cabin fever going on. There’s stress about our own health and about the health of loved ones. For a lot of us, there’s stress about our jobs and what things will be like after everything is over.
Even worse, a lot of the typical outlets for dealing with stress and anxiety aren’t available. Most of us can’t go out to restaurants, bars or shops. In some areas, the option to just go on a simple walk is unavailable.
There’s endless online entertainment to buy, but with such intense economic uncertainty, that might not be the best idea, either.
To make matters even worse, if there aren’t healthy ways to deal with the stress, it can result in a weakened immune system,
Insurance companies have stepped up over the last year as Americans have waded through the COVID-19 pandemic, from providing partial COVID refunds by way of premium paybacks because we drove less to donations for communities that they serve. While the paybacks have all but ended, insurance carriers are encouraging customers to get in touch if […]
The post What Insurance Companies Are Doing During the COVID-19 Pandemic appeared first on The Simple Dollar.
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This week's topic: Getting Through Tax Season!
On March 19, New York Governor Andrew Cuomo announced that mortgage payments will be waived for the next 90 days due to financial losses caused by COVID-19, the novel coronavirus.
Banks and financial institutions have been required to suspend mortgage payments in New York based on financial hardship — meaning, for those who are either working part-time or unemployed. If you’re a member of either group, the waiver won’t affect your credit report negatively or result in late fees or foreclosures.
Cuomo also ordered banks to waive fees on overdrafts, ATMs and credit cards.
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