Once, the world was simple. If there were two opposites like either/or and day/night, it was easy to treat them as different and act accordingly. Then along came the idea of equality and some opposites were judged the same when it came to the treatment they deserved. At least, it’s now politically incorrect to suggest men and women should be treated differently. So the law imposes rules to prevent discrimination...

Will Wisconsin become a trend? The world is always a complicated place. What should be simple turns out to be hard. What should be obvious turns out to be obscure. Logic tells us that when the law says everyone should buy something, this should make for a bigger market. When the market is bigger, the prices should fall. In the case of insurance, this should be even more true. The whole point of insurance is...

It’s one of those sad facts of life that ageing is inevitable. Being philosophical about it - it’s going to happen so you might as well celebrate it. The question is how society should celebrate ageing. People who rely on driving to get them around while working, continue to need their vehicles when they retire. Let’s face it. In most US towns and cities, few people walk. Everyone drives. Fifty...

One of the tried-and-tested ways of catching your attention is to announce that something is “cheap”. The trouble with this word is that it changes its meaning. Our experience tells us you get what you pay for. So, if you only pay a low price that usually means you get low quality. Although luck may be on your side and you find an inexpensive bargain, more often than not the result is bad value for...

We love life. Life loves us back but life is not only cherries from the cake. It is “black and white” like Michael Jackson sang. Life is full of unpredictable events, moments of sorrow and joy, pleasure and pain. Sometimes we cry, sometimes we laugh but God doesn’t want us to suffer. We are meant to become stronger. No matter how philosophical you may get the truth remains the same - we need...

Often, when people are told they don’t have to carry their life insurance coverage anymore, they frequently say something like, “But I’ve invested into it all these years. I can’t just remove it. I didn’t have anything out of it yet.” But the thing is we don’t state this about other insurances. For instance, you have had this car you were driving ten whole years without...

When you’re working as a freelancer, you’re not only thinking about the orders you have to manage y to do. There’s a question hitting your mind day by day: how in the world can I get health coverage? Of course, it will take some time and you will have to do some research in order to get yourself health coverage policy. As any other big decision, you will have to explore your options thoroughly,...

There’s a school of thought that says, “the number don’t lie”. The assumption is that numbers are facts and facts are always true. So if someone counts the number of times something happens, this gives you a basis from which to estimate the probability of the same thing happening across a population. This is the basis of underwriting for insurance purposes. Teams of highly trained people...

When you possess and maintain a car you undergo severe expenses, but it doesn’t mean you have to submit to this. You can reduce your expenses and here are some tips on how you can do this. Lower coverage on older cars In case you paid for your car and it’s old, think about removing the clash coverage. It pays for damages you cause to your car. Moreover, it makes up a huge part of your insurance expenditure. Deal...

1. Driving less lets you save more Driving less than 7,500 in the course of the year makes you eligible for a low-mileage discount with your insurance carrier. You can save even more money with discounts if using public transportation on a regular basis during the weekdays. 2. Use your auto only for personal purposes Most insurance carriers will increase your premium or add additional coverage (and price, respectively)...