Any car owner that has ever dealt with auto insurance will surely tell you that most insurance deals are there just to rip you off. And while such exclamations tend to be far from the truth, still the question of optimizing insurance costs remains to be pronounced for a lot of car owners. Paying too [...]
We need to go back to basics to understand what the decision really means on the deductible. The idea of insurance is very simple. If you don’t have a policy, you carry all the cost of loss. That means, if anything goes wrong, you pay out of your own pocket. Think of this as self-insurance. [...]
Urban myths come in all shapes and sizes from the faintly horrific stories about what might make your large pet dog ill, to the suggestion the color of a vehicle helps it go faster. The latter is usually justified by piles of statistics drawn from official and informal sources. The official sources are usually reports [...]
There’s nothing wrong with just guessing how much insurance to buy. No one can know for certain what’s going to happen over the next fifty years. In the good scenarios, we stay a great nation, our economy recovers and rules the world. In the bad scenario, we are into the End of Days before the [...]
In this day and age the insurance industry is extremely competitive, and it can be difficult to determine how to make sense out of all of the claims you see on insurance ads and commercials. Many leading insurance companies will tell you that all it takes is just a few minutes on the phone or [...]
According to James Truslow Adams, life should be an opportunity for everyone to become successful regardless of social status. It sees our great nation as a meritocracy. If the Constitution starts with the idea that all are created equal, then all should have the opportunity to grow richer and more prosperous. It’s seen as a [...]
Sometimes good ideas prove to be bad ideas and the mark of any good decision-maker is having the humility to admit the error and do something to put it right. For the purposes of this article we need to go back to 1973. This was a period when morality was still a driving force in [...]
Perhaps it’s not the most obvious question but, before you buy your next insurance policy, are you sure your insurer will still be in business in six months time? So now you are looking surprised. Surely there can’t be anything wrong with our insurance companies, can there? Well, let’s take a quick look over at [...]
How any company presents itself to the market has a direct effect on its operating costs. If the company decides to maintain a brick-and-mortar presence on every Main Street, it ties up a lot of capital in property and has a big commitment to maintain staffing levels to ensure there’s always enough people to open [...]
When you are looking for insurance on the vehicle you drive, everyone accepts you could change to a different vehicle tomorrow. It’s the same with a rental home. People who do not own their own homes often move on a fairly regular basis. Put the other way around, many people feel able to change their [...]
