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Even a parked car is a source of stress.Like when you run outside in your pajamas at the sound of the street sweeper coming. Cars left unattended for days might become a target for theft or vandals. They still need routine maintenance, the occasional car wash and a drive every few weeks to circulate the fluids and recharge the battery.So with the pandemic changing the way we work, commute and shop, there’s probably no better time to see what life feels like without a car.Here are four reasons to consider a car-free future:1. You don’t (and won’t) drive much anymoreHow many days last week did your car just sit? How many miles have you put on it in the past month?When the pandemic hit, many companies sent their employees home to work remotely. Total miles driven plunged by 40% nationally in the second half of March, according to insurance data analyst Arity. Driving is on the rise again, but the interlude showed that we can get along just fine without everyone having their own car.But you’re still making the same car payment as when you drove every day.2. You have better uses for that moneyAmericans have long been encouraged to overspend on cars, urged on by ads that promise the right car will make us popular or rugged and unlock the freedom of the great outdoors.The average American spent 3.50 a month, or ,282 a year, on their car in 2019, according to AAA. That’s mainly because car payments are so high: Experian says in 2019 the average monthly payment for a new car was 4, and the average for a used vehicle was 1.If you’re struggling to make ends meet, ditching the car payment would be a huge savings, not to mention the related expenses of gas, insurance, maintenance and repairs. If you’re not hurting, that’s money that can go toward a home down payment, a Roth IRA or paying down debt.Why not take a look at exactly how much you pay — and how much you could save — with our handy total cost of ownership calculator?3. You can cash in on high used car pricesIf you do decide to part with your car, it’s a seller’s market. The average price of a used car listing rose by 8 from June to July, according to Edmunds, which called the trend “an unprecedented historical shift in the used vehicle market.”Year over year, the value of used cars is up 16%, according to auctioneer Manheim’s Used Vehicle Value Index.More good news: Selling your used car is easier than ever. Online used car retailers such as Carvana, Shift and Vroom will give you an upfront price and pick up your car from your home. Or, sell your car to a local dealer who’s probably hungry for trade-ins for the used car lot.If you sell, consider protecting your assets with a non-owner car insurance policy. It offers liability protection if you borrow or rent a car and the owner’s own limits are exceeded. And if you were to buy another car yourself, you wouldn’t be penalized for a gap in insurance coverage.4. You have options when the need arisesThe pandemic has opened our eyes to the possibilities of delivery: groceries, takeout meals, school supplies and area rugs.And to the joys of walking, too. What’s within walking or cycling distance? A few minutes with Google Maps might surprise you.Car trips of less than a mile add up to 10 billion miles a year, according to the Environmental Protection Agency. Replacing those trips with walking or biking will not only help keep you fit, but also save you money on gas and cut down on pollution.But sometimes you still need a car. Many transportation services that were initially locked down are up and running, offering contactless service at reduced prices with new safety measures.Here’s what’s available for longer-than-cycling distances:Taxis and ridesharing services.Car-sharing companies such as Zipcar.Rides from a friend.Rental cars and peer-to-peer car rental sites such as Turo.Public transportation.More From NerdWalletHow to Pay for a Home Remodel Without Tapping Your EquityShould You Press Pause on Private Student Loans?Is That Nearly New Salvage-Title Car Really a Deal?Philip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 4147
Famous for their home remodels on the popular HGTV reality show "Fixer Upper," Chip and Joanna Gaines have joined forces with Target to carry the Magnolia brand.The pair made the announcement Tuesday in a statement on their website. The modern farmhouse collection of home decor items will be available exclusively at Target, and it is called "Hearth & Hand with Magnolia." Items such as vases, dining sets and other home decor items will mostly be priced at less than , according to Target leaders. The items will be available Nov. 5.Chip Gaines said he and his wife chose Target to team up with because it is "the gold-standard when it comes to generosity and giving." 696

ESCONDIDO, Calif. (KGTV) -- As San Diego County inches closer to finally being removed from the state’s watch list, it remains unknown what exactly that will mean for businesses that have been waiting to reopen indoor operations.“We have asked the state for guidance for what they think the policy will be, the process will be, for potentially reopening some of the entities that faced additional closures,” said County Supervisor Nathan Fletcher.In the meantime, some cities across the county have been working with businesses to ensure they can still operate outside during the challenging time. Some of those businesses appear to be thriving.“More people are coming out to eat, and as you can see, we’re already almost full here,” said Mia Davis, the owner of Mikko Sushi in downtown Escondido.Davis and her sister-in-law, Minky Jeon, opened Mikko Sushi in February, but just one month later they were forced to shut down indoor dining due to the rising COVID-19 cases across the county.They moved to take out orders only, a struggle for the new business owners.“We were devastated actually because we were just finally starting to build our clientele,” said Davis.Then the City of Escondido stepped in to help businesses move outdoors quickly and easily, making all the difference for business owners like Davis.“The City of Escondido went out of their way to help us,” she said. “They really helped expedite the permit process, and I didn’t have to pay any fees.”Davis told ABC 10News, she was not only able to keep her original staff employed, but Mikko Sushi became so busy with outdoor dining, that she had to hire more employees.“Every Friday night we have a big waiting list,” she said. “I’m thankful that local customers really been supporting us, and I can’t complain.”A walk down Grand Avenue in Escondido reveals how locals have embraced the opportunity to dine outside. The sight is something that brings Amber Tarrac, the Deputy Director of Economic Development for the City of Escondido, much joy.“We’re really happy and proud to be able to support our businesses in that way,” said Tarrac. “The city really took strong, swift action and worked with very closely with our Chamber of Commerce and Downtown Business Association to allow for and facilitate the permit process to allow for our businesses to operate outside. We expanded that to salons, to restaurants and other retail as well.”During a time where there are many uncertainties for small business owners, Davis said the opportunity to try something new and succeed is rewarding.“I’m thankful that our business is doing well during this pandemic, and I’m thankful for what the city did,” said Davis.The City of Escondido recently launched a grant program to help small businesses. Applications will be accepted through August 28th. Business owners can apply here. 2848
Facebook announced Monday that it’s updating its hate speech policy to prohibit any content that denies or distorts the Holocaust.The company says it has already banned more than 250 white supremacist organizations and updated its policies to address militia groups and QAnon. They also took down 22.5 million pieces of hate speech from the platform in the second quarter of the year.Additionally, the company recently banned anti-Semitic stereotypes about the collective power of Jews that often depicts them running the world or its major institutions.Facebook says its decision to ban Holocaust denial content is supported by the well-documented rise in anti-Semitism globally and the alarming level of ignorance about what happened to Jews and other groups during World War II.A recent survey of adults 18 to 39 found that 63% of all respondents didn't know that around 6 million Jews were murdered and 36% thought that 2 million or fewer Jews were killed during the Holocaust.Because research shows Holocaust education a key component in combating anti-Semitism, Facebook says that starting later this year, it will also begin directing anyone to credible information off Facebook if they search for terms associated with the Holocaust or its denial on their platform.“For many years, we have worked with communities around the world to help us understand how hatred, including anti-Semitism, is expressed online,” wrote Facebook in a statement.The company added that the enforcement of its new policies cannot happen overnight.“There is a range of content that can violate these policies, and it will take some time to train our reviewers and systems on enforcement,” wrote the company. “We are grateful to many partners for their input and candor as we work to keep our platform safe.” 1800
Eyebrows were raised after a court filing Tuesday revealed former Trump campaign chairman Paul Manafort, now under federal indictment, has three U.S. passports.On top of that, he had filed for 10 passport applications in as many years, according to special counsel Robert Mueller, who is investigating Russia's alleged meddling during the 2016 presidential election.Three passports? We wanted to find some answers.Can you have more than one passport?Yes. U.S. citizens are allowed to have more than one valid U.S. passport at the same time, according to the National Passport Information Center, which is a division of the U.S. State Department.But in most cases, you are only allowed to have two valid passports at a time, according to the NPIC.As NPIC notes on its website, holding a second passport "is the exception to the rule."It remains unclear why Manafort has three."Having three valid U.S. passports is incredibly unusual and normally would raise a red flag," said Valentina Meehan, owner of New York-based passport and visa expediting service Passport Plus.The State Department declined to comment on Manafort's passports.An official from State said in a statement that its general policy is that "no person shall bear or be in possession of more than one valid or potentially valid passport of the same type (regular, official, diplomatic, no-fee regular, or passport card) at any time, unless authorized by the Department of State."The spokesperson noted that requests for more than one passport are reviewed on a "case-by-case basis."How do you qualify for a second passport?Typically second passports are given to frequent travelers, especially those who travel overseas for business a lot, said Meehan.One reason you might hold a second passport: if your primary passport contains stamps or visas to other countries that may cause the country you plan to visit to deny you entry, according to the State Department. For instance, if your passport shows that you have traveled to Israel, countries like Lebanon and Libya may not allow you in, Meehan said.Another scenario in which you might be granted a second passport is if you have submitted your primary passport for a travel visa or some other administrative reason but have an immediate need to travel to another country."Sometimes your passport can be stuck with a consulate or embassy for weeks for a visa," said Meehan. "Suppose you suddenly have to travel to Canada or Europe while you are waiting to get your passport back. Then you can apply for a second passport."How often do people need to renew or apply for a passport?A primary U.S. passport is valid for 10 years. A second passport is typically valid for one to four years based on a passport agency's discretion, after which an application can be filed for renewal. 2831
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