Unless you\’ve just retired for Goldman Sacks, financing health care costs through retirement has become a major issue for many if not most Americans. The ever-increasing cost of health care coupled with the longer age expectancy turns what used to be a fairly calculable financial risk into a complete unknown. There\’s a real question of […]

I have my network of friends and like so many other people in the U.S. (scratch that…planet), they\’re in Facebook. This works well for those people I want to stay in touch with or at least don\’t feel too put out to catch an occasional picture or thought from their direction. These people are scattered […]

Cleanliness is next to Godliness but do you call it when it goes way too far? Well, you might just call it Clark Pu because any more clean and it has an official diagnosis. Unlike most people with a cleanliness fetish, Clark\’s bout with bleach and sanitizers dates back to an exact moment. Deep into […]

So you\’re deep in the middle of Geek game battle against your slightly less geeky friends on Facebook. So what\’s the play. Let\’s assume this is the first week of play and you don\’t know what they\’re up to yet. Perfect place to start. Let\’s walk through a little bit of Fantasy Geek strategy to […]

As we\’ve discussed in more than a few articles, term life insurance has really become somewhat of a commodity. Just like rice, or corn, or aluminum, this should tend to make the marketplace more transparent and bring variability in rates down across the various carriers. Indeed, this has happened and it\’s been accelerated by the […]

As you\’re going through the term life insurance application, you\’ll notice lots of questions that have to do with certain dangerous hobbies such as skydiving or scuba diving. Now you may thing these are no more dangerous than driving a car (and you might be right) but the life insurance carriers tend to be more […]

What a difference a decade can make. We remember getting the phone calls and going through various California health plans with people. We would eventually get to the question of HMO or PPO. We might be discussing a PPO plan when the person on the phone would ask, \”But aren\’t PPO plans more expensive?\”. They […]

The other day, I was enduring what is seemingly a much more common event these days…the traffic jam or as I like to call, Hell, 7th level. It\’s was the worse kind of traffic jam. I can\’t see anything up ahead. The cars aren\’t moving at all. It\’s close to where I\’m trying to get. […]

You were one of the responsible ones. You saw the financial responsiblities coming with the new baby or with the college age kids and so you bought your term life insurance policy years ago if not decades ago. It\’s served you well and knock on wood, you made it through without having to ever use […]

In the game of high school basketball, the clock can be both a friend or an enemy of your team. Every one’s familiar with the actual game clock that counts down the quarters and eventually, the game itself and that clock gets constant looks in a really close game as it eventually becomes the headwind […]