Health care costs are the fastest growing expenses for businesses and families. Even those with health insurance can find themselves in serious debt after one medical emergency. Office visits, treatment and medication costs, co-pay’s and monthly premiums add up to thousands of dollars each year, yet the covered care options lessen. What drives the costs [...]

Despite our individual differences, there is one fundamental aspect of being human that everyone shares- we all experience illness at some point in our lives. Some people are lucky, and only succumb to a cold every few years. Some people are accident prone, often getting scrapes, breaks, or bruises. Still other people suffer from debilitating [...]

With the implementation of the National Whole Life Pension Plan, one of the problems facing national retirement reform is removed from the puzzle. The Whole Life Pension Plan would replace the current system for future generations, leaving us to concentrate on salvaging the current system for those of us who have already been born. Unfortunately, [...]

IMPORTANT NOTE: Readers are advised that the plan presented in the following essay is one which would apply to future generations and would not directly benefit current workers except in such a way as to remove the burden of repairing the current retirement program for future generations. This plan would run parallel to the current [...]

Opponents of a national retirement program, commonly referred to simply as “Social Security,” tend to take the view that each person is responsible for their own costs of living and that a secure retirement is something to be enjoyed by those fortunate enough to have earned enough money throughout one’s lifetime to sustain themselves for [...]

Social Security is really a widely encompassing description for a variety of government assistance programs including Medicare, Medicaid, disability benefits and retirement programs, to name the most common. Social Security programs, specifically the retirement program, have long been considered a perilous “third rail” for politicians, meaning that if you tamper with the existing program you [...]

I remember learning back in school about the basic necessities for human life: food, water, shelter, and clothing. While the latter may at times be a matter of prerogative, the former three are indisputable necessities. When these are not available to us, we become incapable of functioning within societal parameters. When whole areas are afflicted [...]

When we pay for something tangible, we own that thing and may use it, for the most part, as we see fit. This rule applies to our cars, our houses, our clothes, and on and on. If we want to paint all the windows in the house black, we can because we own it. Likewise, [...]

In the world of racing, you will never see a race between a Ferrari, a Volkswagon van, and a bicycle. The reason you will never see this is because the three vehicles are in completely different classes with regards to maneuverability, performance, and power. But if for some reason such a race were to take [...]

It is not a misstatement to say that education is the equalizer of humanity. If you teach a person the skills to master modern civilization, they stand a much better chance of becoming a contributing, responsible member of the species. All parents wish that their children might someday have a “better” life than they had, [...]