The people's voice of reason
The people's voice of reason
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How business insurance can help protect you from snow, hail and winter storm damage Winter storms can reduce foot traffic to a brick and mortar retail business. There’s also supply chain disruptions, power outages, property damage, spoiled inventory and more to consider during the winter months. And yet, according to an ERGO NEXT survey, more than half of small business owner respondents admitted that they don’t feel adequately insured. 48% of restaurant owners alone reported winter wea...
The average savings account balance in the US: Here’s how much Americans have in the bank The typical American household has $8,000 in its bank account, according to the latest data from the Federal Reserve’s Survey of Consumer Finances, carried out in 2022. That’s the median transaction account balance as of 2022, which includes savings, checking, money market, call accounts, and prepaid debit cards. The average balance in those bank accounts among American households is $62,410. Despite the m...
How to meet the new Medicaid work requirement: A state-by-state guide Medicaid is the public health insurance program that covers adults and children from low-income households as well as people of all ages with disabilities. There are 56 Medicaid programs and all are funded, in part, by the federal government. Each state, plus five U.S. territories, and Washington D.C., has its own Medicaid program. Through the Affordable Care Act, 40 states and Washington D.C. have expanded Medicaid coverage....
How policy is setting the stage for markets in 2026 As we step into 2026, the fundamental backdrop for markets appears more favorable than anything we’ve seen since 2021. It may be hard to remember after wrapping up a strong year for global markets, but investors climbed a significant wall of worry throughout 2025. Policy uncertainty dominated headlines: Would DOGE trigger a recession? Was the U.S. heading into a trade war? Would the Fed prioritize fighting inflation or supporting the m...
DHS is deputizing local and state police forces to enforce immigration law On Sept. 2, 2025, the Department of Homeland Security (DHS) published a press release announcing a change that has the potential to transform law enforcement across the country, and especially in rural counties. A new promise to reimburse salaries, benefits, and overtime pay for county and municipal law enforcement officers who partner with U.S. Immigration and Customs Enforcement (ICE) could prove a major incentive for...
Media_Photos // Shutterstock Movies and TV shows casting in Huntsville The glitz and glam of Hollywood captures the attention of Americans starting from an early age. Beyond celebrities' Instagram Stories and red carpet poses, there are actors out there paying their dues and honing their craft in pursuit of a sustainable career or a fulfilling sideline. Submitting to casting calls is a big part of that journey. Whether you're a working actor or an aspiring one, you might be curious to know which...
Staying home to raise the family? Here’s what the working spouse needs to earn While the cost of raising a young child can now reach over $40,000 in pre-tax income annually, depending on where you live, many families find ways to mitigate some of the larger costs associated with parenthood. This often includes considerations about who will work in the household and whether young children will require paid daycare services while their parents are occupied. With tradeoffs abound, many parents m...
Sectors to consider when investing in 2026 Investors who navigated 2025 with diversified portfolios didn’t just reduce risk—they enhanced returns. In 2026, the playbook for many investors remains balanced: Stay invested in large-cap AI leaders while broadening exposure beyond the narrowest part of the market. Range highlights three aspects of portfolio construction to pay attention to this year. Maintaining Exposure to AI and Big Tech Without Going All In Concerns of an AI bubble abound, and...
Motorcycle insurance and state helmet laws: A 50‑state overview Motorcycle insurance coverage protects riders and their bikes from financial loss due to liability, collision damage, theft, and other risks. State helmet laws intersect with insurance considerations because helmet use affects injury severity, safety statistics, and sometimes even premium cost factors. Cheap Insurance explores how each state approaches helmet requirements, helping to clarify differences in rider risk profiles and i...
Canada produces a lot of oil. So does Venezuela. How does it all fit together? Politicians in Alberta like to claim credit, or cast blame, when it comes to the price of a barrel of oil. Low prices are Ottawa’s fault, or the previous government’s — its regulations or policy or ideology or some mishmash of all three. High prices are the result of prudent governance, of course. In reality, Canada, and Alberta in particular, are at the mercy of global markets and global powers that are large...
Best home insurance companies for 2026 Methodology In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. Survey respondents were also asked whether they planned to renew, would recommend their insurer and trusted their insurer....
What you need to know about the codes healthcare providers use to classify slip-and-fall accidents When you get treatment after a slip-and-fall accident, your healthcare providers will classify your injury using an ICD-10 code. Healthcare providers use ICD-10 codes to identify the external cause of a patient’s injury or health condition, facilitate data collection and research, and improve consistency in injury classification. ICD-10 codes also advise insurance companies of the reasons for a p...
AI tutors, with a little human help, offer ‘reliable’ instruction, study finds An AI-powered tutor, paired with a human helper and individual-level data on a student’s proficiency, can outperform a human alone, with near-flawless results, a new study suggests. The results could open a new front in the evolving discussion over how to use AI in schools — and how closely humans must watch it when it’s interacting with kids, The 74 reports. In a randomized controlled trial involving 165 British s...
US auto manufacturing heads into 2026 with less margin for error U.S. auto manufacturing is entering 2026 leaner than it was a year ago and with less room for disruption. Federal labor data shows employment in motor vehicles and parts manufacturing fell by roughly 29,000 workers in 2025, even as production expectations largely held. The result is an industry operating with fewer people and less slack than in prior years. While payrolls shrank, the pace of work did not slow in the same way....
7 top US cities to live in, rated by homeowner type For many Americans, 2026 feels like a reset button. After years of volatile housing markets, rising costs, and changing priorities, the question isn’t just where can I afford to live? — it’s where can I actually thrive? Some cities are answering that question better than others, offering a mix of stability, opportunity, and day-to-day quality of life that’s increasingly hard to find. It’s essential to connect with a real estate agent familiar w...
Big Game food trends: DoorDash data reveals how America eats on game day On the biggest Sunday of the year, the game is only half of the excitement. The other half? The spread. With over 5.7 million orders placed on its platform the day of the Big Game last year, DoorDash data shows what actually made it to watch parties, from restaurant favorites to the grocery items that fueled game-day menus. Here’s how America ate on championship Sunday in 2025. Key Highlights - Big Game Sunday was the #1 d...
Democratic presidential contenders test the waters during midterm ‘shadow campaign’ The next presidential election is still two years away, but several prominent Democrats are already positioning themselves for 2028 — using midterm elections as a proving ground to build influence, relationships and national profiles. California Gov. Gavin Newsom has banked nearly $4 million in his leadership PAC, ready to assist his fellow Democrats in this year’s midterm elections, according to OpenSec...
Why January can feel emotionally heavy It’s early January. Your inbox is crowded with fresh-start messages, your calendar looks untouched, and social media hums with promises of transformation. Everywhere you look, momentum seems to be building. Yet you’re sitting with your coffee, feeling oddly out of sync with all this optimism. The gap between January's promises and its reality feels disorienting. While the world races toward change, you might feel a heaviness in these early days. It's not...
Big changes in 2026 traffic laws: What drivers should know nationwide Traffic laws in the U.S. are changing in 2026. States are adding new ways to catch people breaking laws, increasing fines, and putting in place rules to make driving safer. While not every new rule directly affects car insurance, certain violations, such as speeding and DUI-related offenses, often contribute to higher premiums. It’s not one big national change. Instead, it’s a trend toward using cameras and other tech to enf...
Finding your healthiest sleep position: Comparing side, back, and stomach sleeping You spend about a third of your life asleep — but is your sleep position working for you or against you? The reality is that not all sleep positions are created equal. The way you sleep can impact spinal alignment, breathing, digestion and even how refreshed you feel in the morning. Some sleeping positions offer better support, while others can lead to discomfort or restless nights. If you’re regularly waking up...
How to implement AI training for employees Most teams don't struggle to implement AI in their daily workflows because they're resistant to change. They struggle because they haven't been given the structure to learn how to use it effectively. Employees who receive formal AI training are far more likely to see it as a boost to their productivity and efficiency. Yet only about 50% of workers using AI today say their organization has offered any training at all. That's the gap. Teams are eager to...
Will I need to appear in court for a car accident case? You do not always have to go to court after a car accident. In fact, most cases settle well before reaching that point. If the insurance company agrees to pay a fair amount and both sides feel satisfied, you could close your case without filing a lawsuit. However, if you cannot agree on who caused the crash or how much money the claim is worth, a car accident court hearing might be the best way to move forward. Morris, King & Hodge, P.C....
Why ‘being helpful’ is sometimes the worst thing a leader can do Most leaders genuinely want to help. When a problem shows up, they jump in. When someone is stuck, they offer a solution. When deadlines loom, they take work back onto their own plate. It feels responsible. Supportive, even. But research and experience suggest this instinct — while well-intentioned — can quietly undermine trust, ownership, and performance over time. ACT Leadership, in partnership with Brown University School of Pro...
Keratin Peptides vs. Biotin: What works best for hair health? To grow the thickest, healthiest and most luxurious hair possible, many people head straight to the supplement aisle. Choices abound, but two of the most common (and most talked about) are biotin and keratin peptides. Biotin is a B-vitamin taken as a supplement and often promoted for stronger hair and nails. Keratin peptides, on the other hand, are structural proteins that make up the actual building blocks of hair; these can be found...
zedspider // Shutterstock Cheapest gas stations in Mobile Anyone who drives a car understands the sting of having to fill up their tank and pulling into the gas station, only to discover that gas prices have skyrocketed. Paying extra for gas means you have less to spend on other things, which, over time, can really put a crimp in your budget. Cheap Insurance explored some of the reasons behind major changes in gas prices, and compiled a list of the cheapest gas stations in Mobile using data from...
