Insurance: Please don’t buy this!
Just because someone offers a product, that’s no reason to buy it. Some just don’t make sense, except perhaps in an alternative universe. The newest entrant in this category is something called “Active Shooter” insurance. These policies first appeared on the market in 2015 and are designed for business...
Read moreHealth Insurance: the Uniquely American Jungle
To paraphrase a quote from a friend, it doesn’t matter who helps you with insurance until it does. There’s no single policy or company that provides “complete” health insurance in the US. Truly complete coverage involves stitching together policies from multiple sources while keeping costs manageable. It’s the insurance...
Read moreSanity, Finances and Supplemental Insurance
Realistic thinking and an ounce of prevention can give you a happier life. If it sounds simple, it actually is. It’s harder to change one’s mindset than it is to take the actions that are needed. Most Americans, and certainly older ones like me, grew up with several assumptions...
Read moreRetirement: the Fading Dream
Most Americans today will never be able to afford to retire. Period. Retirement was a concept basically created in the 1950s, and a number of factors have come together to end the dream for the great majority of Americans. The end of the dream in turn necessitates changes in...
Read more