Issue 18Nothing here is sponsored
Useful detail on decisions that are hard to reverse.
11 dispatches in this drawer
Scheduled coverage and blanket limits solve different problems. What the rate per hundred dollars actually reflects, and why a five-year-old appraisal no longer settles a claim.
Rosalind Ntuli1,117 wd
The dwelling limit on your renewal was set by a party you have never spoken to, and it decides whether a partial loss pays in full.
Desmond Falk910 wd
Three professions handle small business finances and they are not interchangeable, though the one most firms actually need is the one they hire last.
Sylvia Achterberg838 wd
A claim is a permanent record with consequences at renewal, which makes the decision to file worth twenty minutes of arithmetic before the phone is picked up.
Sylvia Achterberg1,224 wd
Everything that went wrong on this year return is still fresh, and almost every correction available for next year has to start now rather than in December.
Sylvia Achterberg1,002 wd
Records fail at the moment of the transaction rather than at the moment of filing, which is why sorting systems keep collapsing and capture habits do not.
Rosalind Ntuli870 wd
A dwelling limit sets the ceiling on a claim and says nothing about how the amount below it is calculated, which is where two similar policies part company.
Sylvia Achterberg1,079 wd
Both deductions are genuinely available, both are understated by people who qualify, and both are claimed by people who do not, usually on somebody else facts.
Sylvia Achterberg1,299 wd
Exclusions are not the fine print avoiding payment; they mark where the arithmetic of pooling broke down, and most of them can be bought back.
Desmond Falk1,128 wd
Preparation fees track the number of schedules rather than the size of the income, which is why the households most likely to file alone are often the ones who should not.
Desmond Falk1,118 wd
A household with self-employment income answers to three authorities on three calendars, and a folder built for one of them rarely satisfies the other two.
Sylvia Achterberg1,011 wd