Happy Dad Advice

digital worldWhat is the Whole… The Family that Eats Together, Stays Together Anyway?

Last night while out to eat at a local restaurant with my son, I looked around and seen several other families eating together as one unit on a Friday night. Is this also strange to you or is this still normal now days for families to eat together? Nonetheless, have you bothered lately to have a look around your house or a restaurant and noticed yours or other families actually still eating and engaging one another in this day and age filled with technology, social media, and life stress(es)? (i.e. and I’m not talking about all those families or yours that sit next to each other but are completely detached from one another either). Notice how many of you do this but also take notice of how many of you actually engage your other family members not merely sitting together while each of you operate in your own world(s) on your own digital devices or watching television. Now I ask… “does the family that eats together, stay together?” Do you think that this old saying is still relevant today?

Connected or Disconnected Family: What is the Right Recipe?

By no means am I an expert in parenting but I truly believe that this (eating together but not actually communicating with one another) is growing problem in America and throughout the world. Does it make since if families have any chance of sustaining themselves long-term just like a business they need to spend more time together especially during dinner. When I was growing up, I can remember dinner was one of the few times that our family actually connected with one another because we didn’t have many distractions. Let’s face it who wanted to watch television in black in white anyway. Now as a single dad I wanted to address why eating together (and YES I mean actually talking to your other family members) is still important to your family’s long-term success). Boys and girls, ladies and gentlemen I must admit if you follow this recipe you will not only put food on the table but you will be back on the right track of putting your family back together.

disconnected

Take stock of what you have

Each morning when you wake up the man or woman that you see in your mirror is actually you. I hate to tell you but YES that person is you! There are a million and one reason(s) why when you look in the mirror you continue to make excuses for the life you have created. However, if you think hard about the things in the past that have lead you to this point (whether you are happy or not), I bet you can equate almost if not all of your positive/negative feelings to a point in your life that involved other people… especially family members, YES? My point is, we are all far from perfect but if you surround yourself with others that positively affect you and/or your family, you can begin to take stock of what you actually have or what actually matters most to you. This is especially important if you have kids since they look or are looking for that special leader in their life. So, how can you have a positive effect on your children? This is as simple as putting down all those electronic devices and creating REAL conversation with your kids well sharing a meal together and not sharing a meal together while everyone in your family is engaged with others in the digital world.

the journeyA brief look back

It wasn’t long ago that I discovered that technology was/is changing the relationship I have with my son. This is both good and bad. Therefore, over dinner the last night I decided to take a step back to think about the days I spent with my family growing up to help shed some light on what I could do to be the leader in my son’s life much like my dad was in mine. My dad worked extremely hard when I was young mostly at night, so we didn’t get to see him that often and likewise with my mom but the only difference was she worked the day shift. Split parenting at its finest. However, one thing my parents did was make sure that we all came together (i.e. whether we had to go to my dad’s work) over a nice family dinner every night, which I can remember being special even to this day. Do you have any early memories? Do most of the things you remember about your childhood include dinner with the/your family?

How about grandma and grandpa…

Having lost all my grandparents at an early age (all before I was out of elementary), I am not 100% but I truly believe that children without any thought are given the natural ability to love and cherish the time they spend with their grandparents. Does that sound about right? In fact, grandparents in most families = a long time lasting memory regardless of how significant just like having dinner together. Yes again? Like I mentioned I lost all my grandparents early in life but I remember breakfast each morning cooked by my mom’s mother and other dinners cooked by my dad’s mom, especially Holiday dinners…. Boy, were those fun! One reason I believe that I remember these things (all before age 8) is because we were not engaged in our electronic devices but instead engaged with one another. Therefore, if you as a complete family unit or as a single parent if you want to disconnect the young’ins then I highly recommend calling in the grandparents as an added resource because more than likely they will tell REAL stories (extremely important over breakfast or dinner) not digital stories thus bringing your family closer together.

grandparentsThe effortless approach

Some of you may or may not already know but late last year I lost my mother. Before she passed away, one thing my son and I did religiously was cook dinner for my mom and dad most Sunday afternoons, which allowed each of us the opportunity to share unfiltered stories with one another. Okay, maybe a lot of the stories coming from the grandparents were retold to me but not to my son. This/these stories and memories made these days extremely important since they created new memories for my son (he still talks about them over a year later and he is only 8), which made me realize  more that this was approximately the same age I can remember having similar memories over dinner with my own grandparents. As simple, as this may sound there is not any excuse for each and every one of us to help create these new memories with our own children over dinner even in this age of all the new digital communication. Even though it is just my son and I most evenings, the one thing that I have/continue to do is make sure that we have dinner together each night (without any television, internet, or other distractions), so we too can create long lasting memories. Even though my mother is gone now, my son and I still have dinner with my dad most Sundays. Yes my father still tells my son about all those things I did to piss him off when I was young but those/these times are about as valuable as gold is to most people/parents since the lasting memories continue on long after dinner or a visit has ended. As significant or as insignificant as this may sound, as my child grows older, I have to believe that these dinners (whether with me or the family) will become the ammunition for my sons own success because he knows how hard/long I work each day to have this time we spend together each night without interruptions. The moral of this story is that if I as a single dad can make time each night (i.e. on the weekends with my day) to connect with my son over dinner, while sharing real life experiences you too can provide these valuable life lessons to your family and children over dinner. So, back to the question at the beginning of this article…do you find it strange these days for families to eat together?  My answer just like 30 years ago growing up is no, since these dinners provide the memories and fuel more of us need to tackle present and future challenges. If you haven’t given thought or perhaps have forgotten have valuable dinner is with your family I encourage you to continue on with eating together with your families and continue on with the old saying…

“A family that eats together, stays together” my friends, as I am sure you won’t be disappointed that you did.

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Homeowners Insurance Shock: Why Delaying Home Repairs Could Cost You More Than the Repair Bill

Across the country, homeowners are facing rising insurance premiums as insurance companies respond to increasing claims, inflation, severe weather events, and aging housing stock. While many homeowners focus on shopping for lower rates, one of the most overlooked factors affecting premiums is the condition of the home itself.

Insurance companies are paying closer attention than ever to property maintenance. Advances in aerial imagery, satellite technology, drones, and property inspection software allow insurers to identify potential hazards without ever stepping inside a home.

The result? A roof nearing the end of its life, deteriorating plumbing, outdated electrical systems, or neglected exterior maintenance can lead to premium increases, non-renewal notices, or even cancellation of coverage.

Hand tools including hammers, screwdrivers, wrenches, pliers, and gloves arranged on left side next to broken drywall, bricks, wood, nails, and wires on right side
Neatly arranged hand tools contrast with nearby construction rubble and damaged wall.

Why Maintenance Matters

Insurance is based on risk. The greater the likelihood that a claim will occur, the higher the premium charged to insure that risk.

For example:

  • An aging roof is more likely to leak or sustain storm damage.
  • Old plumbing systems increase the risk of water damage claims.
  • Outdated electrical systems increase fire risk.
  • Dead trees and damaged siding create additional exposure during severe weather events.

From an insurer’s perspective, a well-maintained home represents a lower probability of costly claims.

The Hidden Cost of Deferred Maintenance

Many homeowners postpone repairs to save money. Unfortunately, the long-term costs can be much greater.

Consider a roof that should have been replaced five years ago. Not only may the homeowner face higher premiums, but a future claim could be limited or denied if the damage is determined to result from wear and tear rather than a sudden covered event.

Similarly, a small plumbing leak left unaddressed can eventually lead to thousands of dollars in water damage and mold remediation expenses.

Estimated Repair Costs and Potential Insurance Benefits

The following estimates represent typical costs in today’s market. Actual costs vary based on location, home size, and materials used.

Home ImprovementEstimated CostPotential Insurance Impact
New Roof$12,000 – $30,000Lower premiums and improved eligibility for coverage
Electrical Panel Upgrade$2,000 – $6,000Reduced fire risk may qualify for credits
Whole Home Re-Plumbing$4,000 – $15,000Reduced water damage exposure
Hurricane Impact Windows$10,000 – $30,000Significant wind mitigation discounts in many states
HVAC Replacement$5,000 – $12,000Reduced risk of system-related losses
Water Leak Detection System$500 – $2,500Discounts offered by some insurers
Garage Door Wind Upgrade$1,500 – $5,000Windstorm mitigation credits
Exterior Painting and Siding Repair$3,000 – $15,000Improves insurability and property condition scores
Tree Removal Near Structure$500 – $5,000Reduces storm-related claim risk
Security System Installation$300 – $2,000Potential theft and fire protection discounts

Estimated Annual Premium Savings

While every insurer is different, homeowners may see reductions ranging from modest to substantial depending on the improvement completed.

Potential annual homeowners insurance savings

Illustrative annual savings after major home improvements. Actual savings vary by insurer, location, and home characteristics.

Florida Homeowners Face Unique Challenges

Homeowners in Florida have experienced some of the nation’s largest insurance premium increases in recent years. Windstorm exposure, hurricane losses, litigation costs, and reinsurance expenses have dramatically impacted the market.

For Florida homeowners, improvements such as:

  • New roofs
  • Impact-resistant windows
  • Reinforced garage doors
  • Updated roof-to-wall connections

can often produce meaningful insurance savings through wind mitigation programs while simultaneously strengthening the home against future storms.

The Takeaway

Your home is likely your largest financial asset. Maintaining it properly not only protects its value but can also help keep insurance costs under control.

Before renewing your homeowners insurance policy, consider reviewing the age and condition of major systems throughout your home. A repair that seems expensive today may ultimately save thousands of dollars in future claims, prevent coverage issues, and reduce annual insurance premiums for years to come.

Disclosure: This article is intended for educational purposes only and should not be considered insurance, legal, or financial advice. Insurance eligibility, discounts, and premiums vary by carrier, location, and individual underwriting guidelines.

About the Author:

David Dandaneau is a client relations analyst that covers the insurance and financial services industry. He is known for his insightful analysis and comprehensive coverage of market trends and regulatory developments.

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