Governor Signs 10 Bills
SALT LAKE CITY (February 24, 2020) – Gov. Gary R. Herbert signed 10 bills today. This brings the total number of signed pieces of legislation from the 2020 General Legislative Session so far to 11. Information on these bills can be found below.
Public Education Base Budget Amendments, Eliason, S.
Natural Resources, Agriculture, and Environmental Quality Base Budget, Barlow, S.
Executive Offices and Criminal Justice Base Budget, Hutchings, E.
Social Services Base Budget, Ray, P.
Dairy Commission Amendments, Snider, C.
Higher Education Base Budget, Grover, K.
Business, Economic Development, and Labor Base Budget, Sandall, S.
Retirement and Independent Entities Base Budget, Harper, W.
Infrastructure and General Government Base Budget, Cullimore, K.
National Guard, Veterans' Affairs, and Legislature Base Budget, Stevenson, J.
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Hi Dawn,
Each year, the average American household spends $2,375 on real-estate property taxes plus another $441 for residents of the 27 states with vehicle property taxes. With such high costs, it’s no surprise that more than $14 billion in property taxes go unpaid each year, according to the National Tax Lien Association.
In order to determine who pays the most relative to their state, the personal-finance website WalletHub today released its 2020 Property Taxes by State report as well as accompanying videos, which compares home and vehicle taxes across the nation and features insights from a panel of experts.
States with Highest Real-Estate Taxes
States with Highest Vehicle Property Taxes
43. New York
43. Kansas
44. Nebraska
44. Massachusetts
45. Texas
T-45. Maine
46. Vermont
T-45. South Carolina
47. Wisconsin
47. Missouri
48. Connecticut
48. Connecticut
49. New Hampshire
49. Rhode Island
50. Illinois
50. Mississippi
51. New Jersey
51. Virginia
Key Stats:
To view the full report and your state or the District’s rank, please visit:
https://wallethub.com/edu/states-with-the-highest-and-lowest-property-taxes/11585/
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Dear Dave,
My husband and I had our first child in December. We bought a house not long before the baby was born, and since then we’ve been getting mail and phone calls about buying mortgage protection insurance. We’re both 27, we have good jobs, and our mortgage is $105,000. Would it be a good idea to get this insurance?
Rachel
Dear Rachel,
Mortgage insurance is really nothing more than a life insurance policy with the word “mortgage” stuck on the front. They make it sound like a specialized product, and they jack the price up. The truth is it’s just a big rip-off in most cases.
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If you two are healthy, you both could easily get $250,000 on 20-year level term life insurance policies, for around $12 a month. Then, if something happened to one of you, the other could pay off the house with the insurance money and still have a nice chunk left over.
However, I recommend going a little further. My advice is for each of you to get good, level term life insurance—not just to cover your mortgage—but for 10 to 12 times your annual incomes. Both of you should have sensible plans in place to take care of your family now, and in the future, should something unfortunate happen.
And Congratulations! God bless you two and your new baby!
—Dave
(Think of it as Murphy insurance)
Word count: 237
Dear Dave,
I was thinking about putting my emergency fund savings into a balanced mutual fund. Would this be a good idea?
Trey
Dear Trey,
You should never put your emergency fund into anything that can go down in value, or anything that charges penalties for early withdrawals. I recommend putting it into a good money market account with check-writing privileges.
Remember, your emergency fund is insurance. It is not an investment. That three to six months of expenses you’ve saved has one purpose and one purpose only—to protect you, your family, and your stuff against the unexpected. You know how Murphy’s Law says anything that can go wrong will go wrong? Think of your emergency fund as Murphy repellant.
That’s one of the reasons an emergency fund is so important. If you don’t have one, and something unexpected happens, you’re likely to end up borrowing money from the bank, or cashing out retirement savings to fix things. So, don’t worry about investing this money. Just park it, and think of it as an insurance policy for when Murphy comes knocking at the door!
—Dave
* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 16 million listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.
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