Weekend reads: Outdated energy, updated banking, and the resurgence of seltzer water

Colin Lalley 1600


Colin Lalley

Colin Lalley

Insurance Expert

Colin Lalley is the Associate Director of SEO Content at Policygenius in New York City. His writing on insurance and personal finance has appeared on Betterment, Inc, Credit Sesame, and the Council for Disability Awareness.

Published September 10, 2015|3 min read

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This weekend, we take a look at the conversation you need to have before you and your significant other join those bank accounts. Then we dive into the past, present, and future of your finances: why archaic utility companies are costing you money, if cash is still the best way to build an emergency fund, and how banking’s move toward mobile can save you money. Finally, an age-old question: just was is mineral water, anyway?

Young Adult MoneyWhat You Need to Know Before Combining Finances

There are a lot of milestones in relationships: meeting his or her parents, moving in together, getting a dog, combining your finances. That last one might seem like it doesn’t fit, but it’s a huge step for any couple. Like, a potentially-ruin-your-relationship huge step. It’s not something to be taken lightly. Luckily, there’s a smart way to go about it. Here are a few tips for figuring out if it’s the right step for you and your significant other and how to best handle the transition.

Millennial MagazineBankMobile Founder Luvleen Sidhu Creates 1st No Fee Bank

Banking startups are so hot right now. Simple, Digit, Final, and the list goes on. But while the products are cool, the people and stories behind them are, too. That’s what makes this spotlight on BankMobile and its founder Luvleen Sidhu so fascinating — a fresh look at the finance industry, and a millennial who’s working with her dad (who is a big name in finance himself). Plus, BankMobile has a lot going for it. No-fee banking? Check. Free financial advice? Check. Mobile focus? Check. This might just be the beginning of banking’s future.

The Simple DollarFour Emergency-Fund Substitutes – and How They Stack Up to Cash

Everyone should have an emergency fund for when expensive problems pop up. That’s Personal Finance 101. But does it necessarily have to be cash? For example, instead of contributing to an emergency fund to help deal with unexpected car trouble, perhaps you should be paying for a AAA membership instead. Or maybe extended warranties are a better idea than waiting for an appliance to break down. Find out which services are (or aren’t) better alternatives to keeping cash in the bank.

VoxPower utilities are built for the 20th century. That’s why they’re flailing in the 21st.

The most thought you usually give to your power company is when your bill goes up. Other than that, you probably aren’t concerned about what goes on behind the scenes when you flip a light switch. Maybe you should be. In an age of exciting energy innovation, from electric cars to solar cells, the power utility infrastructure across the country is still archaic and monopolistic. How did that happen? And what could the future of energy look like if things change?

Men's JournalWhat's the Difference Between Seltzer, Sparkling and Mineral Water?

How much do you pay for fancy mineral water with exotic-sounding names? Do you have any idea if it’s different than another type of bottled water? The history behind seltzer, sparkling, and mineral water is… surprisingly fascinating. If you have in interest in changing taste trends, subtle ways in which immigrant cultures contributed to American society, or the resurrection of a once-booming industry as a niche service, this article is definitely worth a read. Plus, you’ll finally know what you’re paying for.