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Donuts and Decisions

Personal risk management review: identifying areas of possible loss and making decisions that will produce the greatest chance of successful outcomes. Following are four losses that we must all face, ways to address these losses and decisions we will need to make to...

The Duck

Many years ago a woman I knew discovered she had cancer while she was pregnant. When the baby was delivered his cancer was immediately detected and his treatment was scheduled at a specialty hospital many states away. So the whole family picked up and moved out of...

Beppie’s Legacy

In Holland if an individual dies without direct heirs (children, grandchildren, great grandchildren) assets are taken by the state. Costs of the social welfare state are high so this is one way to help cover some of those expenses. I had an aunt who was widowed and...

Why is my health insurance so expensive?

Insurance is fundamentally a sharing of risk and, while you may not have had a bad claim year, someone in your risk pool did. Another factor in setting premiums is the increasing cost of care particularly in the area of prescription drugs. Additionally, since 2012 new...