MarketReview author profile
Personal Finance Writer
ActiveRobert Paulsen has spent more than a decade writing about the financial choices people make in everyday life. His work covers income, spending, saving, debt and long-term goals, with close attention to the circumstances that can make the same advice sensible for one household and unsuitable for another.
Personal finance is often reduced to slogans: spend less, save more, avoid debt, follow a fixed rule. Robert looks beyond those formulas. He examines the trade-offs behind a decision, the priorities it serves and the costs or constraints that may not be obvious at first glance.
At MarketReview, his articles are intended to help readers organise choices around their own needs rather than an idealised financial plan. He does not treat good personal finance writing as a list of instructions; he treats it as a way to make the reasoning behind competing options clearer.
Published work
News, analysis and evergreen financial guides credited to this author.
Special-purpose insurance can protect against losses that ordinary home, auto, health or life policies do not fully address, but the value depends on the risk, exclusions and cost.
Read more →Insurance companies earn through disciplined underwriting and investment income, but claims, expenses, reserves, reinsurance and capital determine how much premium revenue becomes profit.
Read more →Insurance premiums are built from expected claims, the coverage you choose and the rating factors an insurer is allowed to use for your type of policy.
Read more →Insurance lets you exchange a predictable premium for protection against defined losses, while deductibles, limits, exclusions and other policy terms determine how much risk actually moves to the insurer.
Read more →Insurance is most valuable when it transfers a loss that would seriously disrupt your finances, obligations or family security in exchange for a predictable cost you can afford.
Read more →Reinsurance lets insurers transfer part of the risks they have underwritten, helping manage large losses, volatility and capital while introducing important counterparty and contract risks.
Read more →Long-term care insurance can help protect retirement assets from the cost of extended personal care, but the value of a policy depends on its benefit triggers, limits, inflation protection and long-term affordability.
Read more →Liability insurance can protect your finances when you are held responsible for covered harm to someone else, but limits, exclusions and the type of policy determine how much protection you actually have.
Read more →Home insurance protects more than the structure itself, but the value of a policy depends on understanding its limits, exclusions, deductibles and settlement terms.
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