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The Future of Government Backed Insurance Markets

Government backed insurance was never meant to be the main stage. It was designed as a backstop, a temporary solution when private markets couldn’t...

How Flood Maps Are Redefining Property Values

Flood maps used to be a technical detail. A document you glanced at during closing, filed away after the mortgage was signed. That’s no longer...

Who Pays When Insurance Pulls Out?

Insurance rarely disappears overnight. It retreats quietly. Premiums rise first. Coverage narrows. Deductibles climb. Then underwriting rules tighten, certain risks are excluded, and eventually whole...

Are Employers Falling Behind the Real Cost of Living?

On paper, wages are rising. Job openings remain plentiful. Employers point to higher pay, expanded benefits, and a competitive labor market. Yet many workers feel...

Why Younger Americans Are Opting Out of Traditional Insurance Plans

A generational shift that reveals more about the economy than the insurance market. For decades, insurance was considered a mandatory part of adulthood health, auto,...

Buy Now, Pay Forever: The Psychology of Modern Debt

Why Americans keep borrowing, even when they know the long term cost. If you want to understand the modern American economy, don’t start with the...

Why Switching Providers Is Now a Financial Strategy

For decades, switching service providers, whether for insurance, banking, internet, wireless service, or utilities, was treated as an annoyance rather than a financial plan....

Why Owning Still Costs More Even When Mortgage Rates Stabilize

For months, analysts have speculated that the worst of the mortgage rate volatility is behind us. Rates have inched down from their pandemic-era spike,...

The New Reality of Household Debt: What the Next Recession Could Look Like

By nearly every traditional measure, the American consumer entered 2025 looking resilient. Employment remains historically strong. Wage growth, while moderating, has outpaced pre-pandemic norms....

Is the Insurance Industry Prepared for the Climate Era?

For decades, insurance has quietly served as the financial shock absorber of American life. Hurricanes, floods, droughts, and wildfires insurers paid, rates rose modestly,...

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