These companies are embracing the benefits of a four-day workweek.
When you think of a full-time role, you likely think of working 40 hours per week — eight hours a day, five days a week, to be exact. And it’s understandable, since this work schedule has been the gold standard for about 100 years. But times are changing. There’s a greater desire for better work-life balance and more work flexibility, and thankfully, employers and employees are rethinking what…
Gas prices, inflation, and more could shift quickly as U.S. – Iran tensions escalate.
Markets are set to reopen after a tense weekend marked by escalating conflict in the Middle East. Following Saturday’s U.S. airstrikes on Iranian nuclear facilities, global financial watchers are assessing how this sudden escalation could ripple through the world’s economy. This weekend’s events have serious humanitarian consequences for those directly impacted, but we’ll focus on the…
There’s a guy down the street from me who drives an old Rolls-Royce. It’s a classic — probably from the ’70s. Every time I drive past it, part of me thinks, man, I hope I never crash into that thing.
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Where I live in Los Angeles, there are Ferraris, Bentleys, and fully loaded G-Wagons everywhere. Accidentally clipping one of those in just the wrong way could suddenly mean a six-figure repair bill.
While many states require minimum coverages around $25,000 to $50,000 for injuries and property damage, that won’t get you far if you hit a high-end vehicle. Or worse, if you critically injure someone. You could be personally on the hook for anything your insurance doesn’t cover.
On the flip side, some insurers offer policies with much higher limits. For example, $500,000 in bodily injury coverage and $250,000 for property damage.
So how do you know what’s right for you?
Every state sets its own minimum requirements for car insurance.
In California, for example, the minimum liability coverage is:
This makes me pretty nervous. That $15,000 property damage limit would cover most fender benders. But what if you hit a new Porsche and damage its fancy ultrasonic parking sensors?
If insurance doesn’t cover it, the other party can come after you for the difference.
A lot of people carry state minimum insurance simply because it’s the easiest or cheapest option. But the right coverage isn’t just about checking a legal box — it’s about protecting yourself from financial disaster.
Depending on your car, your income, and your assets, you may need a lot more than the bare minimum.
Need help deciding on the right coverage or insurer for you? Use our insurance tool to compare coverage options and connect with top-rated providers in your state.
There’s really no one-size-fits-all number. But many experts recommend bodily injury limits of at least $100,000 per person and $300,000 per accident, plus $100,000 in property damage coverage.
It’s often referred to as 100/300/100 coverage.
In addition, it’s recommended you hold collision and comprehensive coverage also. This pays to repair or replace your car if it’s damaged, stolen, etc.
And for even higher protection, you might consider an umbrella insurance policy. This type of insurance kicks in after your auto limits are maxed out.
Something I’ve learned over the years: Not all car insurers are great at explaining this stuff in plain English.
I always have my guard up when talking with insurance agents, because I feel that many are just trying to upsell me. Others might skip over important details I should know.
So here are some best practices for finding the right advice and policy:
Even if you love your current provider, there’s no harm in shopping around. You might find a company that offers better guidance or customizes coverage more thoughtfully.
Want to compare top insurers and get tailored coverage advice? Check out this free tool to compare rates and policies from the top insurance companies. It only takes a few minutes, and you could save hundreds by switching.
In today’s world of $100,000 cyborg trucks, rising medical bills, and crowded city streets, it’s not a crazy number. Personally, I choose to have higher insurance numbers because I feel better protected.
You might already be halfway there with a 50/100/50 policy. Add a $1 million umbrella policy (the average cost is about $383 per year, per Forbes), and suddenly you’re covered for just about anything short of a celebrity pile-up on Sunset Boulevard.
Peace of mind? Totally worth it.
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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
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Discover the simple fee check that could protect years of income and boost your retirement security.
You’ve contributed to your 401(k) for years, maybe even decades. But according to Tony Robbins, there may be a hidden cost eating away at your savings, fees that could ultimately shorten your financial security by a full decade. The motivational speaker and financial author has issued a stark warning about investment charges that many Americans never fully understand, according to TheStreet.
Image source: Getty Images
The Federal Reserve held rates steady again this month, and now we’re back in wait-and-see mode.
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If you’ve been eyeing short-term certificates of deposit (CDs), now’s the time to take a serious look. Some of the best 6-month CDs are still offering around 4.00% APY or higher, and if rate cuts do kick in later this year (as many economists expect), this could be one of your last chances to grab a short-term return that strong.
A 6-month CD gives you a guaranteed return over a short window with no stock market risk, no rate games, and no surprises. You lock in your rate, let it sit, and get your money (plus interest) at maturity.
In June 2025, that’s a pretty appealing deal. Here’s why:
Right now, many of the highest-yielding online banks are offering 4.00% APY on 6-month CDs. That’s miles ahead of the national average and a great short-term play if you’ve got cash sitting idle.
Start putting your money to work today and check out the best CDs available now.
If you’ve got extra money you don’t need to touch for a few months, a 6-month CD is worth considering.
Here are three signs it could be a good pick for you:
But if you need immediate access or think rates might rise from here (less likely now), you might want to stick with a high-yield savings account instead.
No one can perfectly time the Fed. But locking in a guaranteed 4.00% or higher return for six months while you wait for clearer signals? That’s a smart move in an uncertain environment.
You won’t get rich off a 6-month CD. But you will protect your money from losing value in a regular savings account, and position yourself to reinvest when the dust settles.
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.
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Even if there’s no Publix near you, this grocery battle could still affect what you pay at the supermarket.
Publix is opening dozens of new stores across eight states, and the ripple effects could stretch far beyond those borders. According to FinanceBuzz, whether you live in a Publix state or not, increased competition from one of the nation’s most beloved regional chains might shake up pricing strategies at your local supermarket. That’s especially true if you live in the South or Southeast…
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