Deciding where to live, if youre going to have children, and who takes out the garbage are some of the big and small decisions newlyweds have to make together after the wedding gifts are put away and theyre ready to start their lives together.There are also financial decisions to make as a married couple, though they may not be as easy to discuss as whos making dinner on Sunday nights.Here are some financial priorities newlyweds should set " together:Set a budget: A good way to start is by living within your means and setting a family budget. Start by making a list of your monthly income and expenses, and decide which are must-haves (rent and groceries) and which can be eliminated or at least cut back (cable TV and dining out).The goal is for your budget to leave you with enough extra money each month to save for other goals, and to not spend more than you have. If you have debt, including credit card debt, come up with a plan to pay it off.Financial goals: Discuss your individual and joint goals, and start saving for them. These can include having children, saving for a down payment on a house, buying a new car, and funding retirement accounts for each of you.Insurance: There are a few insurance needs to consider when you get married. A family health insurance plan may save you money, as will having all family cars on one auto insurance policy. You may also need extra homeowners or renters insurance to cover all the possessions you now have together, including jewelry and all of those expensive wedding gifts you just received.Life insurance is important when youre married, especially if one spouse doesnt work and relies on the other person for an income, or if youre going to have children soon.Tax withholdings: Getting married can lower your taxes. If one spouse isnt working, then the other can add them as an allowance on their taxes, allowing them to change their withholding from their paycheck and bring more money home. An IRS worksheet can help make this calculation.Bank accounts: Joint checking, savings and emergency accounts, along with keeping individual checking accounts for pocket money, are bank accounts worth discussing as a couple. Splitting electric bills in half, as you may have done in college, is over.Once you get started on these accounts, give yourself six months or so to get used to them before deciding to make changes. A budget and joint bank accounts, like a new marriage, can take a little work.Aaron Crowe is a freelance journalist who specializes in personal finance topics.Published with permission from RISMedia.

Whether you collect classics or like to put the pedal to the metal, heres everything you need to know about car condos.High-End AccommodationsOwners can drop in for a weekend and live luxuriously while enjoying their car collections.Private Test TracksYoull be able to open your car up on a professional performance track and put it to the test the way your car was meant to be driven.Community of Automotive AficionadosThese developments are often equipped with private restaurants, bars and clubhouses that host social events for car-loving members.Published with permission from RISMedia.

Mold inside a house can cause serious health problems, including sinus irritation, congestion, headaches and respiratory difficulties. The health effects of mold are more serious in children, pregnant women, senior citizens and people with respiratory problems.Mold can grow in any moist environment, which makes a home a perfect breeding ground. Mold spores can accumulate on surfaces and travel through the air in a house. Here are some strategies to control the level of moisture in your home and prevent mold from taking hold.Reduce Moisture Levels in Your House Walk through your house and look for areas where moisture tends to accumulate. The bathroom is an obvious one, but moisture is also often found in the kitchen, laundry room, basement and around windows.Remove laundry from the washing machine quickly to avoid the growth of mold. Hang bath towels to dry, and avoid leaving containers in the shower where they can accumulate moisture. Wipe down the shower after each use to minimize the amount of moisture in the bathroom. Vacuum and clean carpet and furniture to remove mold spores. If a surface or piece of furniture is contaminated with mold and cannot be cleaned, discard it.Keep the humidity inside your home at a moderate level. You can buy a meter to monitor the amount of moisture in the air. You can reduce the level of moisture in your home by using a dehumidifier or fans. Clean and inspect your air conditioner and dehumidifier to make sure they’re not producing moisture. If you notice water accumulating around windows or on walls, open the windows to dry out the room.Ventilation can reduce or prevent the growth of mold. Turn on a fan or open a window when taking a shower. Appliances that produce moisture, such as the dryer and stove, should be vented to the outside.If any part of your home experiences water damage, dry it out as soon as possible. Wipe up spills immediately. If there is a roof or plumbing leak or flooding, remove wet carpet and have wet furniture professionally cleaned. Have the roof or plumbing problem repaired quickly to prevent future growth of mold.Water that accumulates around your house can lead to mold. Make sure the ground is pitched in a way that allows water to flow away from the house. Clean your gutters regularly to keep them free of blockages so water can flow freely to the downspouts.Protect Your FamilyMold is a serious threat to your familys health. You can protect yourselves by making a concerted effort to control the level of humidity in your home and by removing sources of water as soon as you find them. By being vigilant and proactive, you can prevent the growth of mold.Published with permission from RISMedia.