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Amidst all the excitement (and worries, reservations, and, yes, sometimes tears) of an emptying nest, parents often fail to consider their kids' health insurance in the ensuing chaos. While most colleges and universities mandate student health insurance, those young adults choosing a different path may fall through the coverage cracks. And, navigating health insurance options and necessities can be overwhelming for even the savviest of parents.
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The appeal of freelance, contract work, and work-from-home careers is broad and deep, including the unlimited opportunity for financial growth, unfettered freedom, flexible schedules, the pursuit of personal goals, and the list goes on. And, while that's all as true as the day is long, so is the lack of structure and unmitigated personal accountability. For freelancers, time management is of the utmost importance. Without a strong commitment to making and keeping deadlines, responsibly managing workflow, and sticking to some sort of structured daily schedule, freelancing can spell personal and financial disaster.
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Distracted driving is defined as engaging in any activity that takes your attention away from driving: It can be considered manual, when you move your hands from the wheel; visual, when you focus your eyes away from the road; cognitive, when your mind wanders to other tasks; or any combination of the three. Cambridge Mobile Telematics (CMT), the world's largest telematics provider, just released its 2022 U.S. Distracted Driving Report, and the results are staggering, with distracted driving levels at their highest point since the pandemic's onset. "Over the past two years, distracted driving has been like a pandemic within a pandemic, increasing at alarming rates and changing drivers' behaviors as the pandemic wears on. As more drivers hit the nation's roads, this intensified distraction will put even more people at risk," says Ryan McMahon, vice president of strategy at CMT.
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"If you're not getting better, you're getting worse." It's hard to say who was first to utter that phrase but you hear it most used in sports banter. It is a round-about way to say that we're not living in a static world – everything changes and the same is true for factors affecting the costs to replace your home. Your policy might have been up to the task of covering the expense of rebuilding your home at one time. But, chances are, it may no longer afford enough coverage unless it has been changed to reflect the reality of replacement cost. Insurance industry experts and others routinely estimate that up to two-thirds of homes in the U.S. are under insured. For most of us, checking our home's replacement cost periodically is a good idea.
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Your son or daughter headed to college will most likely need computer equipment, cell phones and sometimes tablets.
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