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Tarra Jackson

These 125 Companies With Flexible Jobs Support the LGBTQ+ Community

By Money Management No Comments

 Find out which companies rank highest for continued commitment to inclusion. 

Worker on a laptop in an office
Marcos Castillo / Shutterstock.com

Celebrated each June, Pride Month is a dedicated time to honor and support the lesbian, gay, bisexual, transgender, and queer/questioning (LGBTQ+) community. However, workplace equality is something that can be highlighted year-round, as many companies actively foster inclusive, supportive, and flexible work environments every day of the year. Following, we’re featuring the organizations…

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15 State Medicaid Programs With the Best Mental Health Care

By Money Management No Comments

 Discover which state Medicaid programs lead the nation in mental health support — and see if yours ranks in the top. 

Psychologist talking to a female patient in therapy
Ground Picture / Shutterstock.com

Medicaid is the single largest payer for mental health services in the United States, playing a critical role in ensuring access to care for millions of adults with mental illness and substance use disorders. An estimated 58.7 million U.S. adults — nearly one in four — live with a mental illness, according to national health data. Among this population, individuals enrolled in Medicaid are more…

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Costco Just Released Dozens of New Deals for June 2025

By Money Management No Comments

 These discounts are worth thousands of dollars collectively — but they’re for members only. 

Costco shopper going down the aisle with a shopping cart
a katz / Shutterstock.com

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Costco just released its latest monthly deals — dozens of discounts worth thousands of dollars in savings. The beloved retailer refers to them as “Instant Savings,” but they are essentially sale prices. In other words…

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Why ‘Scraping By’ Sounds Pretty Good to Nearly Half of Hourly Workers

By Money Management No Comments

 For millions, the idea of financial stability has shifted dramatically — discover what’s behind this new reality. 

young couple sad shocked worried bills broke paycheck
Stock-Asso / Shutterstock.com

Many hourly workers now view the prospect of living paycheck to paycheck as progress, not a setback. A recent survey commissioned by DailyPay and conducted by Talker Research found that 39% of hourly retail and Gen Z workers believe reaching that level of stability would be a financial improvement. For millions who once dreaded barely getting by, just scraping through each pay period now seems…

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Forget Minimum Car Insurance: Here’s What You Really Need

By Uncategorized No Comments
[[{“value”:”Car insurance laws might let you skate by with the bare minimum — but that doesn’t mean you should. State minimum coverage is often too low to offer real protection, and if you cause an accident, it could leave you on the hook for tens of thousands of dollars (or more).Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
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!
Click here to read our full review for free and apply in just 2 minutes. Here’s a breakdown of the coverage most people need — not just to stay legal, but to stay financially safe.What does “minimum coverage” include?Every state sets its own minimum car insurance requirements, but they typically include:Bodily injury liability (e.g., $25,000 per person and $50,000 per accident)Property damage liability (e.g., $10,000-$25,000)This covers other people’s injuries and damage you cause. It doesn’t cover your own injuries, your vehicle, or anything beyond those low dollar limits.If you only have minimum coverage, a major crash could easily exceed your policy — and the rest would come out of your pocket.The coverage you actually needHigher liability limitsThis is the most important upgrade.Bodily injury liability: At least $100,000 per person and $300,000 per accidentProperty damage liability: At least $50,000Why? Because hospital bills, vehicle repairs, and lawsuits add up quickly. These higher limits cost more, but the added protection is worth it.Uninsured/underinsured motorist coverageIf you’re hit by a driver with no insurance (or not enough), this coverage kicks in. It often mirrors your own liability coverage.It’s especially valuable in states with lots of uninsured drivers, and it usually only costs a few extra dollars per month.Comprehensive and collision coverageThese protect your own vehicle.Collision: Covers damage from crashes, even if you’re at faultComprehensive: Covers non-crash events like theft, hail, fire, or vandalismIf your car is worth more than a few thousand dollars — or you can’t afford to replace it out of pocket — this coverage is a must.Note: If you have an auto loan or lease, the lender will usually require both.Ready to upgrade your policy? Click here to compare quotes from top carriers and find the coverage you need at a rate you can afford.Extras you may (or may not) needRental reimbursement:Pays for a rental car while yours is in the shop after a covered claimWorth it if you don’t have a backup vehicleCosts around $2 to $15 per month depending on the insurer, the policy, where you live, etc.Roadside assistance:Covers towing, battery jumps, flat tire help, etc.Often cheaper than AAAHandy if you drive older or high-mileage vehiclesGap insurance:If you have an auto loan balance that’s greater than the car’s value, then this coverage pays the difference if your car is stolen or totaledUseful for new cars with small down paymentsNot needed if you owe less than the car is worthHow to decide what you needAsk yourself:Could I pay out of pocket for a $50,000 lawsuit?Could I replace my car today with no help from insurance?How much would losing my car for weeks affect my life?If those questions make you nervous, then you probably want more robust coverage.The lowest premium might cost you more in the long runState minimum car insurance is like a leaky umbrella — it might protect you in a drizzle, but not in a storm. By boosting your liability limits and adding essential protections like uninsured motorist and collision coverage, you’ll have peace of mind when it matters most.The good news is you don’t have to pay a fortune for a good car insurance policy. To find great coverage and great prices, check out this free tool to compare rates and get matched with top-rated insurance providers.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
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!
Click here to read our full review for free and apply in just 2 minutes. 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.”}]] [[{“value”:”

A black umbrella over red pickup truck against a blue background.

Car insurance laws might let you skate by with the bare minimum — but that doesn’t mean you should. State minimum coverage is often too low to offer real protection, and if you cause an accident, it could leave you on the hook for tens of thousands of dollars (or more).

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

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!

Click here to read our full review for free and apply in just 2 minutes.

Here’s a breakdown of the coverage most people need — not just to stay legal, but to stay financially safe.

What does “minimum coverage” include?

Every state sets its own minimum car insurance requirements, but they typically include:

  • Bodily injury liability (e.g., $25,000 per person and $50,000 per accident)
  • Property damage liability (e.g., $10,000-$25,000)

This covers other people’s injuries and damage you cause. It doesn’t cover your own injuries, your vehicle, or anything beyond those low dollar limits.

If you only have minimum coverage, a major crash could easily exceed your policy — and the rest would come out of your pocket.

The coverage you actually need

Higher liability limits

This is the most important upgrade.

  • Bodily injury liability: At least $100,000 per person and $300,000 per accident
  • Property damage liability: At least $50,000

Why? Because hospital bills, vehicle repairs, and lawsuits add up quickly. These higher limits cost more, but the added protection is worth it.

Uninsured/underinsured motorist coverage

If you’re hit by a driver with no insurance (or not enough), this coverage kicks in. It often mirrors your own liability coverage.

It’s especially valuable in states with lots of uninsured drivers, and it usually only costs a few extra dollars per month.

Comprehensive and collision coverage

These protect your own vehicle.

  • Collision: Covers damage from crashes, even if you’re at fault
  • Comprehensive: Covers non-crash events like theft, hail, fire, or vandalism

If your car is worth more than a few thousand dollars — or you can’t afford to replace it out of pocket — this coverage is a must.

Note: If you have an auto loan or lease, the lender will usually require both.

Ready to upgrade your policy? Click here to compare quotes from top carriers and find the coverage you need at a rate you can afford.

Extras you may (or may not) need

Rental reimbursement:

  • Pays for a rental car while yours is in the shop after a covered claim
  • Worth it if you don’t have a backup vehicle
  • Costs around $2 to $15 per month depending on the insurer, the policy, where you live, etc.

Roadside assistance:

  • Covers towing, battery jumps, flat tire help, etc.
  • Often cheaper than AAA
  • Handy if you drive older or high-mileage vehicles

Gap insurance:

  • If you have an auto loan balance that’s greater than the car’s value, then this coverage pays the difference if your car is stolen or totaled
  • Useful for new cars with small down payments
  • Not needed if you owe less than the car is worth

How to decide what you need

Ask yourself:

  • Could I pay out of pocket for a $50,000 lawsuit?
  • Could I replace my car today with no help from insurance?
  • How much would losing my car for weeks affect my life?

If those questions make you nervous, then you probably want more robust coverage.

The lowest premium might cost you more in the long run

State minimum car insurance is like a leaky umbrella — it might protect you in a drizzle, but not in a storm. By boosting your liability limits and adding essential protections like uninsured motorist and collision coverage, you’ll have peace of mind when it matters most.

The good news is you don’t have to pay a fortune for a good car insurance policy. To find great coverage and great prices, check out this free tool to compare rates and get matched with top-rated insurance providers.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

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!

Click here to read our full review for free and apply in just 2 minutes.

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.

“}]] Read More 

Why Mortgage Applications Are Dropping Even As Rates Hit 4-Month Lows

By Money Management No Comments

 Lower rates, fewer buyers. What’s behind the drop and how it could affect you. 

Front porch of a gray ranch house with an American flag
MargJohnsonVA / Shutterstock.com

Home loan demand is slipping again, although borrowing costs fall to a four-month low. According to CNBC and Mortgage Bankers Association (MBA) data, new mortgage applications dropped 3% last week, while refinances slipped 2%. The average 30-year fixed rate eased to 6.84% from 6.93%, a modest decline that can still reduce monthly payments. However, purchase volume remains 14%

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