Examining the renewal notice of any insurance policy, one gets the impression that the entire process of determining the premium is random. Sometimes the premium remains unchanged for several years, and suddenly jumps to 15% or even more, without any change in anything else in your life. It seems like insurance premiums are randomly assigned.…
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Buying a lovely historic home or a classic midwestern house of the fifties offers a sense of character, craftsmanship, and neighborhood history that modern suburbia finds hard to replicate. From beautiful hand-carved crown molding, original oak flooring, plaster walls, and vintage bricks – there’s plenty of aesthetic charm in old homes. But the moment comes…