Sector index — money
Money
Continuing coverage of money for owners, specifiers and the trades that serve them. Listed newest first.
- 13reports filed
- 13,432words published
- 03contributors
- 01
The Shoebox and the Scanning App: Which Record System Survives an Examination
Most owners are running some combination of the old system and the new one without ever having decided to run either of them.
1,082 words · TQL-MON-141
- 02
Most of a Claim Happens by Phone and Almost None of It Survives the Call
Somebody tells you what will be covered, what the next step is and when to expect it. None of that exists anywhere afterward unless you put it there.
862 words · TQL-MON-676
- 03
Set at Closing and Nudged Ever Since: Repricing a Dwelling Limit Properly
The number was set in a hurry on the day you bought the house, sometimes from a rough figure tied to the purchase price, and then it drifted.
1,148 words · TQL-MON-081
- 04
Two Lists Every Year: What Gets Claimed Wrongly and What Gets Left Behind
One list holds things people confidently claim that do not qualify. The other holds things that plainly qualify and never get claimed at all.
1,266 words · TQL-MON-054
- 05
Five Months, Two Near Misses: A Kitchen Fire Claim That Was Never About Coverage
The fire was out in twenty minutes and the claim was paid in full. Twice it nearly was not, and neither near miss involved the fire.
1,056 words · TQL-MON-983
- 06
Software, a Preparer, or a CPA: Where Each One Quietly Stops Being Enough
The usual framing puts income on the dividing line, and income turns out to be a poor predictor of which of the three you need.
854 words · TQL-MON-189
- 07
Some Policy Exclusions Are a Judgment About Your Map Rather Than Your House
Carriers price and exclude by geography, because the losses that bankrupt an insurer hit thousands of policies in one county on one afternoon.
1,069 words · TQL-MON-355
- 08
The Contents Limit Looks Generous Until You Read the Caps Sitting Inside It
Personal property coverage is written as a percentage of the dwelling limit, which produces a number big enough that most people stop reading there.
941 words · TQL-MON-979
- 09
Two Tests and Then the Arithmetic: Working Out Whether You Have a Home Office
Half the advice says the deduction is an automatic audit trigger, which it is not. The other half says any desk qualifies, which it also does not.
1,077 words · TQL-MON-520
- 10
Should You File a Small Insurance Claim, or Quietly Absorb It Instead?
Wind takes down a fence panel and the repair sits a few hundred dollars over the deductible. Whether the claim gets paid is not the question.
1,203 words · TQL-MON-410
- 11
Archaeology in March: The Weekly Habit That Makes a Tax Return Boring
It is never the arithmetic that makes a return hard. It is sitting in March trying to remember what a charge from last June was actually for.
909 words · TQL-MON-728
- 12
Your Dwelling Limit and Your Home's Sale Price Are Answers to Different Questions
Homeowners compare the limit on the declarations page against what the house down the street sold for and draw one of two wrong conclusions.
922 words · TQL-MON-299
- 13
The Six Pages That Matter: Reading a Homeowners Policy in an Order That Explains Itself
A policy runs sixty pages and you will read about six of them. The order you read them in decides whether those six are the ones that count.
1,043 words · TQL-MON-276