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You might be driving less during the coronavirus pandemic. If so, a different type of insurance could save you money.Pay per mile auto insurance is for those who drive less than 12,000 miles per year.“They are seeing in the news that people are giving rebates, so it’s at the top of their mind, where maybe they didn't think of that before and now they are thinking, ‘oh yeah, that’s right, I am driving less, I should be paying less,” said Michelle Megna with CarInsurance.com.One company claims it can save you about 0 a year.You pay a flat rate, then 6 cents a mile. There's a cap on the number of miles you can be charged for.Ford recently partnered with Metromile to offer the insurance in its new connected cars.Other companies like Nationwide, Allstate and a new company called Mile Auto also have similar plans.“Typically, there are few complaints about pay per mile, because its relatively straightforward and its very simple and obviously consumers like that,” said Megna.Pay per mile is different than usage-based insurance. That also takes into account when you drive, hard braking and acceleration.Pay per mile is strictly miles and is typically tracked through an app or device.Even if you're driving over 10,000 miles per year, it could still pay to shop around. 1288

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

after the Trump administration imposed tariffs on Chinese goods.For Mark Ulness and his family from Manitowoc County, Wisconsin, it's the one time of year their hard work in the barn gets recognized by the masses.Some dairy farmers said being at the Wisconsin State Fair is a getaway from the everyday issues their industry is facing."We make sure (the cows are) fed before we eat a lot of times," Ulness said.As a fifth-generation dairy farmer, Ulness has seen the ups and downs of the industry, but nothing quite like the challenges of the last five years."As a family farmer, it's tough to see friends and neighbors go out, but we understand the struggles that they're going through," he said.Ulness said those struggles started when dairy prices plummeted in 2014 due to a milk surplus. Tariff implications over the last few years have only made the industry's outlook grimmer.According to the U.S. Department of Agriculture, Wisconsin lost 700 dairy farmers last year. It is the topic at the center of many political debates."Some of the farmers are really doing well," President Donald Trump told a crowd in Milwaukee a few weeks ago. "We're over the hump, we're doing really well, and in the meantime our government has billions of dollars pouring in and that money is paid for by China.""The farm foreclosure capital of the United States is, unfortunately, America's dairyland, Wisconsin," said Democratic National Committee Chair Tom Perez.Heather Larson of Darlington, Wisconsin knows of fellow dairy farmers dealing with more than money issues."He had two friends already this year commit suicide because of dairy farming," Larson said.Ulness is thankful his farm is still afloat, but it's come with sacrifices."My wife has a job off the farm, and a lot of times she'd prefer just to be at the farm working," he said.This story was originally published by Ben Jordan on 1883

between protesters and police at the Manhattan Bridge between Brooklyn and Manhattan Tuesday night.The crowd of demonstrators who were peacefully marching from Brooklyn to Manhattan were crossing the Manhattan Bridge after the city's 8 p.m. curfew. Police stopped marchers from entering Manhattan the island when police barricaded the bridge at its exit.According to social media reports, protesters became "stuck" on the bridge, as police also blockaded the Brooklyn side of the bridge.As the night went on, aerial footage showed the large group of peaceful protesters begin to cross the bridge back toward Brooklyn. 619

after assaulting a protester outside of a Trump rally Thursday night.The brief confrontation — 29-year-old Dallas Frazier climbing out of a pickup and repeatedly punching 61-year-old protester Mike Alter in the head — was recorded and quickly posted to Facebook by fellow protester Scott Fantozzi. More than 1,600 people had shared the video by 10 p.m. ET. According to phone conversations and text messages with Alter, the protest against President Donald Trump’s campaign visit to Cincinnati had been peaceful until Frazier arrived. Alter and a group of other protesters had been standing across the street from the rally, occasionally exchanging shouts and chants with supporters on their way in to U.S. Bank Arena. 721