22 guides, newest first. Every one cites the rule or notice it came from.
Medicare open enrollment runs October 15 to December 7, 2026. What to check in your plan notice, which costs change for 2027, and how to compare plans.
October 21, 20264 min read
The 2027 Social Security COLA is 3.6%, announced October 14, 2026. When the raise arrives, how to estimate your new benefit, and what can shrink it.
October 21, 20264 min read
How underwriters assess diabetes, blood pressure, cancer history and mental health, plus the policies that skip underwriting and what they cost.
October 20, 20267 min read
Sudden and accidental is covered, gradual and ground-level is not. How insurers categorise water losses, and which endorsements close the gaps.
October 15, 20267 min read
The one question that decides it, why the arithmetic ties when rates match, the five tie-breakers, and why splitting between both is usually right.
October 13, 20267 min read
The two payoff orders compared on the same $34,000 of debt, with the real interest difference, and why the worse method often wins in practice.
October 8, 20267 min read
How a Health Savings Account works, the 2026 limits, the triple tax break no other account has, and the receipt strategy that transforms it.
October 6, 20267 min read
Whether to keep collision and comprehensive on an ageing car: the arithmetic, the 10% rule, and four situations where dropping them is a mistake.
October 1, 20266 min read
What each part of Medicare covers, the gap Original Medicare leaves, Advantage versus Medigap, and the deadlines that carry lifetime penalties.
September 29, 20267 min read
Buying term and investing the difference compared against whole life over 30 years, where whole life wins, and why the pitch persists.
September 24, 20267 min read
Why claims get denied, how to read the denial code, and the internal and external appeal process step by step, including the deadlines that decide whether you win.
September 22, 20266 min read
Why premiums rise without a claim (rate filings, repair costs, credit-based insurance scores and expiring discounts), and what actually works.
September 17, 20267 min read
Special Enrollment Periods, Medicaid, CHIP and COBRA: the routes to coverage that still exist outside open enrollment, and how long you have.
September 15, 20267 min read
Income multiple, DIME and full needs analysis run on the same household, plus how to pick the term length and why most people are underinsured.
September 10, 20266 min read
The four network types compared on referrals, out-of-network coverage and cost, and how to work out which one your actual medical life needs.
September 8, 20266 min read
How deductibles, coinsurance and out-of-pocket maximums stack, in what order, and why your worst case is not the number you think it is.
September 3, 20267 min read
The 2026 standard deduction, retirement and HSA limits, and how marginal brackets really work: the figures that set most households' tax bill.
September 1, 20267 min read
What liability, collision, comprehensive, uninsured motorist and PIP each pay for, what state minimums leave exposed, and which limits to raise.
September 1, 20267 min read
Premiums, deductibles, copays, coinsurance, networks and out-of-pocket maximums in plain English, with the arithmetic of a bad year.
September 1, 20268 min read
What goes into a FICO score, how much each factor is worth, how fast each one moves, and which common beliefs about building credit are simply wrong.
September 1, 20266 min read
Term, whole, universal and group life in plain English: who needs cover, how much, what it costs, and which products are oversold.
September 1, 20267 min read
The order to fund U.S. retirement accounts and why: employer match, HSA, Roth IRA, 401(k), taxable, with the 2026 limits and the reasoning.
September 1, 20267 min read