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One of the functions of government is to address citizens’ needs that are not being met by the private, for-profit sector. Nowhere is this more evident than the insurance industry. Insurers as a whole do a pretty good job of meeting the needs of most...

Because car accidents happen so frequently and cost so much — both in injuries and property damage — the cost of car insurance is often one of the biggest insurance items in your budget. In this chapter, I offer ten tips to help keep those costs to a...

Have you ever heard a real estate agent say that it’s a bad time to buy? I haven’t. It’s either ‘‘The market’s hot, buy now before prices go up even further,’’ or ‘‘It’s a buyer’s market right now, make an offer while the deals are good.’’ Come on, agents...

That’s easy. Start doing some research on your own on the Internet, even before contacting a real estate agent. If the Internet was invented for any particular industry it has to have been for real estate.
Before the World Wide Web was born, one could typically locate houses only in the newspaper on the weekend. If you saw a house that you liked, you’d contact the agent selling the home. Then came the endless cycle of driving around in a real estate agent...