Omni Mundi Compendium — A world of knowledge, in one place. https://omc.center/ Omni Mundi Compendium is a collection of independent knowledge sites: law, insurance, money, games, psychology, philosophy, physics and more. Each site publishes under its own name and its own subdomain, sharing one set of editorial standards — explain rather than sell, and say what you do not know. en-us Sun, 04 Oct 2026 07:46:22 GMT Astro Omni Mundi Compendium · omc.center Is That Really America.gov? A Scam-Spotting Checklist — Ledger https://finance.omc.center/americagov-scam-checklist https://finance.omc.center/americagov-scam-checklist Sun, 04 Oct 2026 00:00:00 GMT Every new government portal is followed by convincing fakes. Twelve checks that separate a real .gov site from an impostor — before you type your Social Security number. Money · Consumer Protection Ledger Editorial What Is America.gov? The New Federal Front Door, Explained — Counsel https://law.omc.center/what-is-america-gov https://law.omc.center/what-is-america-gov Sun, 04 Oct 2026 00:00:00 GMT America.gov launched on September 29, 2026 as a single, AI-assisted front door to federal services. What it does today, what is coming, and what to avoid. Law · Government Services Counsel Editorial Medicare Enrollment Is Moving Toward America.gov: What Changes and What Doesn't — Shield https://insurance.omc.center/medicare-enrollment-america-gov https://insurance.omc.center/medicare-enrollment-america-gov Sun, 04 Oct 2026 00:00:00 GMT Medicare enrollment is slated for the new America.gov portal. What the executive order changes, what it does not, and the one penalty to avoid. Insurance · Medicare Shield Editorial The $500 Obamacare Refund: Who Gets a Check, Who Doesn't, and the Scams That Follow — Shield https://insurance.omc.center/obamacare-refund-500 https://insurance.omc.center/obamacare-refund-500 Sun, 04 Oct 2026 00:00:00 GMT Checks are now going out: $500 to about 950,000 marketplace enrollees in 30 states, automatically, with no application. Who qualifies — and how to spot the fraud. Insurance · Health Insurance Shield Editorial The Backlog Is Not a Task List: Choosing What to Play Next — Playtest https://game.omc.center/choosing-what-to-play-next https://game.omc.center/choosing-what-to-play-next Sun, 04 Oct 2026 00:00:00 GMT A hundred-game backlog is a symptom of abundance, not laziness. How to choose the next game with a time budget instead of guilt — and when to quit one. Games · Player Life Playtest Editorial Free-to-Play Isn't Free: How the Money Is Actually Made — Playtest https://game.omc.center/free-to-play-real-cost https://game.omc.center/free-to-play-real-cost Sun, 04 Oct 2026 00:00:00 GMT Free games are designed to be played free and paid to continue. What battle passes, gacha and cosmetic economies are engineered to do — and how to set your own price. Games · Understanding Games Playtest Editorial How to Tell a Game Is Worth Buying — Before You Buy It — Playtest https://game.omc.center/how-to-judge-a-game-before-buying https://game.omc.center/how-to-judge-a-game-before-buying Sun, 04 Oct 2026 00:00:00 GMT Reviews, refunds and a bit of arithmetic. A way to decide whether a game deserves your money and your evenings, before the purchase instead of after. Games · Buying Guides Playtest Editorial Your First Passport Is Going Online: What the State Department Announced — Counsel https://law.omc.center/first-passport-online-america-gov https://law.omc.center/first-passport-online-america-gov Sun, 04 Oct 2026 00:00:00 GMT The State Department plans fully online first-time passport applications through America.gov by 2027, plus a redesigned single-size passport in 2028. Law · Government Services Counsel Editorial Auto Insurance in the US: What Each Coverage Actually Pays For — Shield https://insurance.omc.center/auto-insurance-coverage https://insurance.omc.center/auto-insurance-coverage Thu, 01 Oct 2026 00:00:00 GMT "Full coverage" is a marketing phrase with no legal meaning. What each coverage actually pays for, and why state minimums are not enough. Insurance · Auto Insurance Shield Editorial How Divorce Splits Property in the US: Community Property vs Equitable Distribution — Counsel https://law.omc.center/divorce-property-division https://law.omc.center/divorce-property-division Tue, 29 Sep 2026 00:00:00 GMT Nine states divide marital property down the middle. The rest divide it fairly — which is not the same thing. What counts as marital property, and how the court decides. Law · Family Counsel Editorial Pay Off the Mortgage Early or Invest? A Framework, Not an Answer — Ledger https://finance.omc.center/mortgage-prepayment https://finance.omc.center/mortgage-prepayment Sun, 27 Sep 2026 00:00:00 GMT Prepaying a mortgage earns a guaranteed return equal to your after-tax interest rate. Whether that beats investing depends on four numbers you can actually look up. Money · Mortgages Ledger Editorial Term vs Whole Life Insurance: How to Work Out How Much You Need — Shield https://insurance.omc.center/term-vs-whole-life https://insurance.omc.center/term-vs-whole-life Thu, 24 Sep 2026 00:00:00 GMT Life insurance is not an investment decision first — it is a question of who depends on your income and for how long. A method for sizing the death benefit. Insurance · Life Insurance Shield Editorial After a Car Accident: How Fault and Insurance Claims Actually Work — Counsel https://law.omc.center/car-accident-claims https://law.omc.center/car-accident-claims Tue, 22 Sep 2026 00:00:00 GMT Whether the other driver's insurer pays depends on which state you are in and how fault is assigned. A guide to the first 48 hours and the rules that decide the rest. Law · Accidents Counsel Editorial Reading Investment Returns: CAGR, Fees and the Trap in 'Average' Returns — Ledger https://finance.omc.center/investment-returns https://finance.omc.center/investment-returns Sun, 20 Sep 2026 00:00:00 GMT A fund that gained 50% then lost 50% did not return 0%. How compounding, inflation and fees turn a headline number into the return you actually keep. Money · Investing Ledger Editorial The ACA Marketplace: Open Enrollment, Subsidies and Special Enrollment Periods — Shield https://insurance.omc.center/aca-marketplace-basics https://insurance.omc.center/aca-marketplace-basics Thu, 17 Sep 2026 00:00:00 GMT Open enrollment runs November 1 to January 15. How marketplace subsidies work now that the enhanced credits have expired — including the return of the 400% cliff. Insurance · Health Insurance Shield Editorial Lending Money to a Friend: What to Put in Writing Before You Do — Counsel https://law.omc.center/lending-money-to-a-friend https://law.omc.center/lending-money-to-a-friend Tue, 15 Sep 2026 00:00:00 GMT Money between friends is the most common kind of loan and the least documented. A one-page note and an understanding of your state's limits prevent most of the damage. Law · Contracts Counsel Editorial Index Funds and Dollar-Cost Averaging: What They Do — and Don't Do — Ledger https://finance.omc.center/index-fund-basics https://finance.omc.center/index-fund-basics Sun, 13 Sep 2026 00:00:00 GMT Index funds remove the stock-picking problem and leave the cost problem. Dollar-cost averaging removes the timing problem and does nothing for your expected return. Money · Investing Ledger Editorial Premium, Deductible, Copay, Out-of-Pocket Max: How US Health Insurance Costs Stack — Shield https://insurance.omc.center/health-insurance-costs https://insurance.omc.center/health-insurance-costs Thu, 10 Sep 2026 00:00:00 GMT A low premium is not the same as a cheap plan. How the four cost-sharing numbers interact, and how to compare two plans without doing the arithmetic twice. Insurance · Health Insurance Shield Editorial At-Will Employment: What It Actually Means When You're Let Go — Counsel https://law.omc.center/at-will-employment https://law.omc.center/at-will-employment Tue, 08 Sep 2026 00:00:00 GMT At-will employment lets an employer end the relationship for almost any reason — but not for an illegal one. Here is where the line sits, and what to do in the first week. Law · Employment Counsel Editorial How Big Should an Emergency Fund Be — and Where Should It Sit? — Ledger https://finance.omc.center/emergency-fund https://finance.omc.center/emergency-fund Sun, 06 Sep 2026 00:00:00 GMT Three to six months of expenses is the standard answer, but the useful questions are which expenses count, and what the money should actually be held in. Money · Budgeting Ledger Editorial