Thing One Has Bundling Your Home and Auto Insurance Finally Run Its Course? For decades, insurance consumers have been told the same thing: bundle your home and auto policies and save money. The pitch is simple. Put both policies with the same company and receive a "multi-policy discount." The insurance company wins. The agent wins. And supposedly, you win too. But in today's insurance environment, consumers should be asking a different question: Am I actually saving mo

Thing One The Free Market Is Not Perfect But It’s The Best Answer The following is from an article in The Wall Street Journal written by Barton Swain. The text in quotations is from two professors, Benjamin and Jenna Storey, at Furman University: "...Many critiques of liberalism and modernity quickly become critiques of the free market. It’s a tempting solution because the market is something you can change or rearrange by force of law. The Storeys don’t take that view.

Thing One Why Most Retail Investors Should Avoid IPOs There is something undeniably exciting about an Initial Public Offering (IPO). The financial media covers it relentlessly, analysts speculate about the company's future, and investors dream of getting in on "the next Amazon" before everyone else. Unfortunately, for most retail investors, IPOs are often one of the worst places to put money. The first misconception is that individual investors are getting in early. In