Insurance
Term vs. Whole Life Insurance: How to Decide What You Need
Compare term and whole life insurance, estimate your coverage need with a worked example, and see which riders and situations may justify permanent coverage.
Megan Ortiz
Megan Ortiz is the pen name of our insurance, health and legal-basics desk. Guides under this byline explain coverage, health habits and everyday legal topics in plain language, based on guidance from regulators and public health agencies.
Insurance, Health & Wellness, Legal Basics
Articles by Megan Ortiz
Health & Wellness
Sleep Hygiene: Evidence-Based Habits for Better Sleep
Sleep hygiene habits from CDC and NIH guidance: how much sleep adults need, schedules, light, caffeine, alcohol, bedroom setup, and when to see a doctor.
Health & Wellness
How to Start Strength Training as a Beginner
A beginner plan for strength training based on federal activity guidelines, with five basic movements, a sample weekly schedule, a progression table, and safety rules.
Legal Basics
Small Claims Court: How It Works and When to Use It
Find out how small claims court works, how limits differ by state, how to send a demand letter, file, serve papers, prepare evidence, and collect a judgment.
Health & Wellness
HSA vs. FSA: How Tax-Advantaged Health Accounts Work
Compare HSAs and FSAs on eligibility, 2026 contribution limits, rollover rules and eligible expenses, with a worked tax example and a checklist to choose.
Insurance
Renters Insurance Explained: What It Covers and What It Doesn't
See what renters insurance pays for, how actual cash value differs from replacement cost, which events are excluded, and how to build a home inventory to set coverage.
Legal Basics
How to Write a Simple Will: What Every Adult Should Know
Learn what a will does, how to choose an executor and guardian, why witnesses matter, which assets skip your will entirely, and when a lawyer is worth the cost.
Insurance
How Car Insurance Deductibles Work and How to Choose One
Learn how collision and comprehensive deductibles work, how a higher deductible changes your premium, and how to pick an amount you can afford to pay after a claim.
Legal Basics
Tenant Rights Basics: Leases, Security Deposits, and Repairs
Learn how to read a lease, how security deposit rules vary by state, what habitability means, how to request repairs in writing, and where to get local help.