A storm brings immediate devastation—damaged homes, power outages, and lost lives—but its long-term impact often stretches years into the future. Beyond cleanup and rebuilding, many homeowners face climate risk in terms of rising insurance costs, diminished property values, and unaffordable living conditions. Climate risk is now a defining force in the U.S. housing market. It’s not just a matter of weather—it’s a financial, economic, and insurance crisis unfolding in real time. Climate Risks Are Widespread Global property data firm Cotality estimates that more than 33 million U.S. homes are at risk of hurricane wind damage this year, with a combined…

From tap-to-pay cards to crypto wallets, digital transactions are redefining how people store, spend, and manage money. Because of its convenience, more and more people are going cashless. For example, according to a 2022 survey by Pew Research, 41% of adults in the U.S. do not use cash in a typical week, up from 29% in 2018 and 21% in 2015. This is corroborated by data from Capital One Shopping, which estimates that in 2025, up to 51.6% of Americans use cashless transactions. Nonetheless, going cashless opens you to issues of privacy, unchecked spending, and accessibility. This article explores the…