Guide
Balancing Our Personal Balance Sheet
A personal balance sheet shows what you own and owe, but managing it well also requires healthy cash flow, enough liquidity and debt that supports rather than constrains your long-term goals.
Read more →

MarketReview author profile
Economics Contributor
ActiveJohn Miller writes about economics as it is experienced—not only in data releases and policy announcements, but in borrowing costs, investment decisions, business conditions and household budgets.
His coverage follows the chain from cause to consequence. A change in interest rates can alter credit conditions; inflation can reshape purchasing power and expectations; employment and government policy can influence both market sentiment and everyday financial choices. John explains those connections without treating economics as a set of isolated textbook ideas.
At MarketReview, he contributes to articles that need more than a description of what happened. His role is to clarify why a trend may be developing, which incentives and constraints are driving it and how the effects can differ for investors, institutions and households. The result is economic analysis grounded in practical financial consequences.
Published work
News, analysis and evergreen financial guides credited to this author.
A personal balance sheet shows what you own and owe, but managing it well also requires healthy cash flow, enough liquidity and debt that supports rather than constrains your long-term goals.
Read more →Shopping for auto insurance works best when you compare the same limits, deductibles and optional coverages across several insurers rather than judging quotes by price alone.
Read more →The right auto insurance policy balances protection against severe liability and vehicle losses with deductibles and add-ons you can reasonably afford to self-insure.
Read more →Telematics can make auto insurance pricing more responsive to how you actually drive, but the savings, data collected and privacy trade-offs vary by program and state.
Read more →No-fault auto insurance uses first-party injury coverage such as PIP to pay certain accident costs regardless of fault, while vehicle damage and lawsuit rights follow separate rules.
Read more →Auto insurance deductibles let you keep a manageable share of a covered loss in exchange for lower premiums, but the right amount depends on your savings, vehicle and actual price difference.
Read more →Supplemental auto coverage can fill important gaps in liability, medical, vehicle, loan and transportation protection, but the right additions depend on the risks your existing policy leaves with you.
Read more →Collision and comprehensive insurance protect your own vehicle against different kinds of damage, but their value depends on the car, deductible, financing terms and your ability to absorb a loss.
Read more →Auto liability insurance covers injuries and property damage you cause to others, including damage to public property, but choosing adequate limits requires understanding how the coverage is structured.
Read more →