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ROR Labs — Return on Risk
ROR Labs
EN日本語
  • Cover: 10% came after. Resisting a robbery, what the evidence shows.
    Burglary and Personal Crime | Crime and Security Risk

    Resisting a Robbery: What the Evidence Shows

    BySeung Hyoun Kim September 25, 2026October 2, 2026

    Should you resist a robbery? A study of 27,595 crimes found injury came after resistance in only 10% of cases. What victim surveys show, and their limits.

    Read More Resisting a Robbery: What the Evidence ShowsContinue

  • Cover: 4.6 million deaths a year. Cold weather deaths, what the evidence shows.
    Environmental and Climate Risk | Heat and Cold

    Cold Weather Deaths: What the Evidence Shows

    BySeung Hyoun Kim September 25, 2026October 2, 2026

    Cold is linked to about 4.6 million deaths a year, far more than heat. What the evidence shows about cold-related deaths and where researchers disagree.

    Read More Cold Weather Deaths: What the Evidence ShowsContinue

  • Cover: 47% lost money. Multi-level marketing, what the evidence shows.
    Groups and Influence | Psychological and Social Manipulation

    Multi-Level Marketing: What the Evidence Shows

    BySeung Hyoun Kim September 25, 2026October 2, 2026

    47% of US MLM participants lost money and 27% broke even. What surveys, FTC cases and experiments show about multi-level marketing and who pays.

    Read More Multi-Level Marketing: What the Evidence ShowsContinue

  • Cover: 41% higher risk. The widowhood effect, what the evidence shows.
    Family and Care | Social Risk

    The Widowhood Effect: What the Evidence Shows

    BySeung Hyoun Kim September 25, 2026October 2, 2026

    Death rates rise about 41% in the six months after losing a spouse. What meta-analyses show about the widowhood effect, who is most at risk, and why.

    Read More The Widowhood Effect: What the Evidence ShowsContinue

  • Cover: 79% of the fees. Overdraft fees, what the evidence shows.
    Banking and Deposits | Financial Risk

    Overdraft Fees: What the Evidence Shows

    BySeung Hyoun Kim September 25, 2026October 2, 2026

    9% of US checking accounts pay 79% of overdraft fees. What research shows about who pays, why alerts help only a little, and what happened to the CFPB fee cap.

    Read More Overdraft Fees: What the Evidence ShowsContinue

  • Cover: 72% fewer recurrences. Folic acid around conception prevented 72% of repeat neural tube defects in the 1991 MRC trial.
    Vitamins

    Folate food sources and the limit set for another vitamin

    BySeung Hyoun Kim September 25, 2026October 2, 2026

    Folate food sources by the spoonful, the MRC trial that cut neural tube defects by 72%, flour fortification, and why the folic acid limit protects B12.

    Read More Folate food sources and the limit set for another vitaminContinue

  • Cover: 1.3% is what gets in. Of a 1,000-microgram vitamin B12 tablet, the body keeps about 1.3%.
    Vitamins

    Vitamin B12 food sources and the gate that takes two micrograms

    BySeung Hyoun Kim September 25, 2026October 2, 2026

    Clams and liver top the tablespoon table, but the gut absorbs B12 a microgram or two at a time. Who runs short, and what 1,000 mcg tablets really do.

    Read More Vitamin B12 food sources and the gate that takes two microgramsContinue

  • More than 80% of US payday loans are rolled over or renewed within 14 days
    Debt and Credit | Financial Risk

    Payday Loans: What the Evidence Shows

    BySeung Hyoun Kim September 24, 2026October 2, 2026

    More than 80% of US payday loans are rolled over within 14 days. But careful studies disagree on the harm, and bans push borrowers elsewhere. What the evidence shows.

    Read More Payday Loans: What the Evidence ShowsContinue

  • Lowering a deductible from $500 to $250 cost $66 a year for cover worth about $22
    Financial Risk | Insurance

    Insurance Deductibles: What the Evidence Shows

    BySeung Hyoun Kim September 24, 2026October 2, 2026

    Most households pay far more to lower their insurance deductible than the extra cover is worth. When that is a mistake, and when it is not.

    Read More Insurance Deductibles: What the Evidence ShowsContinue

  • Missed payments begin rising about six years before a dementia diagnosis
    Financial Risk | Retirement and Withdrawal

    Money Mistakes Before a Dementia Diagnosis: What the Evidence Shows

    BySeung Hyoun Kim September 24, 2026October 2, 2026

    Missed payments begin rising about six years before a dementia diagnosis, and confidence in managing money does not fall as ability does. What the evidence shows.

    Read More Money Mistakes Before a Dementia Diagnosis: What the Evidence ShowsContinue

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