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 You Could Have Money Out There Somewhere Most people assume that if someone owes them money, they'll eventually receive a phone call, letter, or email. Unfortunately, that's not always the case. Every year, billions of dollars in unclaimed property are transferred to state governments because businesses, banks, insurance companies, and other organizations lose contact with the rightful owners. What many people don't realize is that this money can come from a

Thing One Three Financial Resolutions That Would Be a Smart Move for 2026 As you’re working on maintaining those resolutions you made on New Year’s day, here are three financial resolutions you might considering adding. We believe they would serve most people well in 2026. First, resolve to get clearer on your cash flow. Before returns, before markets, before strategy—cash flow matters. Knowing where money is coming in, where it’s going, and what flexibility you have creates

Thing One What The Last Three Major Market Crashes Teach Us About Long-Term Investing Market history is full of declines, but only a few reach true “crash” status — deep, prolonged drawdowns that shake investor confidence and reset entire economic cycles. The last three such events all delivered peak-to-trough losses of 34% to 57% , each triggered by a different spark, each with a different recovery timeline, and each ultimately rewarding investors who stayed the course. Here

Thing One A Reminder About Long Term Care Insurance Long-term care insurance (LTCI) is a critical financial tool designed to cover the costs of extended care services, such as nursing homes, assisted living, or in-home health aides, which can easily exceed $100,000 annually in many regions. As people live longer, the likelihood of needing such care increases—nearly 70% of individuals turning 65 today will require some form of long-term support. With rising healthcare costs an

Thing One Do you need an umbrella insurance policy? Umbrella insurance isn't required by law but is most often purchased by people who...

Thing One The $300,000 Lunch It's too late for many of us to take full advantage of the magnificent power of compound interest, but we...

Thing One A Matter Of Perspective As the Federal Reserve prepares to cut interest rates in anticipation of a softening economy (mainly...

Thing One To Save or Not To Save (When You’re Young) That Is The Question A few years ago a young lady named Lauren Martin gained...

Thing One Tips For Researching An Insurance Company We’ve said often in this newsletter that it would be in your best interest to shop...