Fear is universal. It is experienced by everyone but not always in the same way. The context of the situation and the individual’s own proclivities play a large part in determining the extent of fear.
Fear is an intensely interesting phenomenon. Though experienced by all, it defies a simple description. It seems foolish to try. Instead, three scenarios are substituted as analogies. In the first, a child is alone in a darkened bedroom. Read More…
In March of this year, President Barak Obama signed into law the Patient Protection and Affordable Care Act, officially known as H.R. 3590, or Healthcare Reform. Part of this law will require that by 2014, most Americans must purchase government regulated health insurance. In fact, Section 1501 of the act adds a new chapter to the IRS code that mandates all “applicable” individuals to either obtain health insurance that meets the bill’s “minimum essential coverage” standards. If they do not, they will be required to pay a penalty. Read More…
Congratulations, you are turning 65. Now you are eligible for Medicare…and suddenly you are knee-deep in insurance decisions you have to make with little or no information to guide you. What is Medicare Advantage? Do you need Medigap? Why are you paying premiums to Medicare and an outside insurance company? Read More…