Utility Shutoffs and Energy Insecurity: What the Evidence Shows
27% of US households struggled to meet their energy needs in 2020. What research shows about utility shutoffs, health, and whether protections work.
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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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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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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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Two Retirees, the Same Returns, Only One Runs Out. The Difference Is the Order.
While you are saving, only the average return matters. The moment you start withdrawing, the order matters enormously – and a bad first decade does permanent damage. Where the 4% rule came from, what Morningstar puts the number at now, and why planning to average life expectancy is a coin flip.
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Your Home Insurance Almost Certainly Does Not Cover Flooding
Most homeowners policies exclude flood entirely — and 29% of US flood claims came from outside the designated high-risk zones, where nobody is told they need it. The gaps that show up at claim time, and the two-hour job that fixes most of them.
