Jonathan Bennett 
Debt feels heavy enough on its own. Add in rising or falling interest rates, and it can feel like you’re chasing a moving target. One month your credit card bill climbs faster than you can pay it; the next, a small dip in rates gives you just enough breathing room to wonder: Is now the … Read more
In April 2025, U.S. consumer confidence fell to its lowest point since 2020, according to the Conference Board’s Consumer Confidence Index. The index dropped sharply to 94.7, down from 102.4 in March — marking a steep and sudden dip in public sentiment. This isn’t just a psychological shift. Confidence — or the lack of it … Read more
The World on Edge As 2025 unfolds, the world finds itself at a pivotal crossroads. Multiple global crises, once viewed as distant or isolated, are now accelerating simultaneously, forcing governments, businesses, and everyday people into a high-stakes triage situation. Climate systems are faltering, global economic alliances are fracturing under the weight of aggressive trade wars, … Read more
Will Prices Fall or Climb Under Trump? As the U.S. economy continues to grapple with rising costs, many Americans are wondering whether a second Trump administration will offer any relief — or make inflation worse. With policies ranging from steep tariffs to hardline immigration crackdowns, the answer isn’t simple. But one thing is clear: the … Read more
If you’ve ever tried to read through your homeowners insurance policy, you know it can feel like decoding a foreign language. Between the legal jargon, acronyms, and fine print, it’s easy to miss what your policy actually does (and doesn’t) cover. This post breaks it all down in plain English—so you can finally understand what … Read more
When disaster strikes and you’re forced out of your home, Additional Living Expenses (ALE) coverage can be the financial bridge that keeps you afloat. It helps cover the cost of living somewhere else while your home is being repaired due to a covered loss—like a fire, storm, or burst pipe. But how much ALE coverage … Read more
When it comes to insurance, there are many factors that can affect the rates you pay. One of the most significant factors is your prior claims history. Insurance companies take into account your previous claims when determining your future insurance rates. In this blog post, we will explore how prior claims can impact your insurance … Read more
The Trade-Offs Are Real Now “Do we refill the asthma inhaler or pay the electric bill?” That question isn’t a punchline or a policy example. It’s a real decision faced by families across the country — today, in 2025. It’s one of thousands of quiet, painful trade-offs happening every day behind closed doors. While headlines … Read more
The Disconnect Everyone says inflation is easing. The headlines point to falling CPI numbers and interest rate projections. But if you’re earning $45,000 a year or less, that narrative feels like fiction. For working families on tight budgets, the prices that went up—groceries, rent, car insurance, electricity—haven’t come back down. They’re stuck. And the damage … Read more
When it comes to protecting our assets and financial well-being, insurance plays a crucial role. While most of us have insurance coverage for our cars, homes, and health, there is another type of insurance that is often overlooked but can provide significant benefits and added protection – umbrella insurance. In this blog post, we will … Read more
