Author: Daniel Keem
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Why Some People Should Never Pay Off Their Student Loans
For some borrowers, paying off federal student loans is a financial mistake. Here’s why income-driven repayment and forgiveness programs change the math.
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Why hotel pillows feel better than the ones you buy
Hotel pillows feel almost magical and yours never quite match. Here’s the actual industry mechanics behind the difference, and what to look for if you want it at home.
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Password Managers Aren’t Bulletproof
Password managers are still the right call for most people, but they aren’t risk-free. Here’s what the trust model actually assumes and where it can fail.
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Employer-sponsored health insurance is the original sin of US healthcare
Tying health coverage to employment was a wartime accident that became permanent. It distorts the labor market, the insurance market, and patient outcomes.
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Family court is the most lawless courtroom in America
Family court operates with wide judicial discretion, limited appellate review, and weak evidentiary rules. The result is a system that produces inconsistent, opaque outcomes.
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The long-term care insurance market collapsed and we’re not talking about it
When you hear the idea that the long-term care insurance market collapsed and we're not talking about it, it's easy to have a strong reaction. The phrase alone can evoke curiosity, skepticism, or frustration. But whether it's a critique of modern life or a warning about hidden risks, the underlying message deserves a closer look.…
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The Common App created the admissions arms race
The Common App made applying to dozens of colleges almost free. Here’s how that single design choice reshaped admissions selectivity, anxiety, and inequality.
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The Jersey Girls and the fight that produced the 9/11 Commission
Four widows from New Jersey forced a reluctant administration and Congress to create the 9/11 Commission. Here’s how their pressure campaign actually worked.
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Buy It for Life Products Are Overhyped
Buy It for Life culture promises lifetime value at a premium price. The math, the durability, and the lifestyle assumptions don’t hold up as cleanly as advertised.