Overdraft Fees: What the Evidence Shows
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.
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Payday Loans: What the Evidence Shows
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.
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Insurance Deductibles: What the Evidence Shows
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.
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Money Mistakes Before a Dementia Diagnosis: What the Evidence Shows
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.
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Landmines and Unexploded Ordnance: What the Casualty Records Show
A household survey in one Vietnamese province found that only 4.3 per cent of 7,030 war-debris casualties came from landmines. What the casualty records show about explosive remnants of war, who dies, and the prevention programme nobody could measure.
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Courts Resolve More Than Seventy Per Cent of Debt Suits Without a Defence. Fewer Than One Defendant in Ten Has a Lawyer.
In This Series: Personal Finance & Investing Why Most Stock Investors Lose Money: What the Evidence Actually Shows Options and Futures: Where Retail Money Actually Goes Two Retirees, the Same Returns, Only One Runs Out. The Difference Is the Order. Deposit Insurance Stops at $250,000. Since 2008, Uninsured Depositors Have Actually Lost Money in Six…
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The Median Forfeiture Is $1,678. A Lawyer to Contest It Costs About Twice That.
In This Series: Personal Finance & Investing Why Most Stock Investors Lose Money: What the Evidence Actually Shows Options and Futures: Where Retail Money Actually Goes Two Retirees, the Same Returns, Only One Runs Out. The Difference Is the Order. Deposit Insurance Stops at $250,000. Since 2008, Uninsured Depositors Have Actually Lost Money in Six…
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Job Loss Raised Men’s Death Rate by 44 Per Cent for Four Years, Then the Effect Vanished. Alcohol and Suicide Did Most of It.
File photo: an English Jobcentre Plus office. Photo: Hassocks5489, via Wikimedia Commons, CC0. In the news · April 2026 The 2026 Economic Report of the President says workers displaced in mass layoffs face 50-100 percent higher mortality in later years, cutting life expectancy by roughly 1 to 1.5 years. It values that loss at about…
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Deposit Insurance Stops at $250,000. Since 2008, Uninsured Depositors Have Actually Lost Money in Six Per Cent of Failures.
The limit is per depositor, per insured bank, per ownership category — and it is triggered only by a bank failing. Uninsured depositors lost money in 63% of US failures from 1992 to 2007 and in about 6% since. That was a change in practice, not in law.
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Three Per Cent of American Deaths Abroad Were War or Terrorism. And the Evacuation, If It Comes, Is a Loan.
Two decades of consular records put war and terrorism at 3% of non-natural deaths of US citizens abroad and vehicles at 29%. What the advisory levels do not do, why the insurance excludes exactly this event, and why a government evacuation is a promissory note rather than a rescue.
