Change. It's one thing in life we can depend on. And it can be the thing that frightens us most. I've known people who don't like the least bit of change in their lives. They are most comfortable in keeping the status quo. Change implies risk. And risk... well, sometimes things don't turn out the way we hope they will. And sometimes they do. Continue Reading

When I first started playing around with AdSense, I knew nothing. Now, I like to think that I know a few things about AdSense, but I am still learning. Want to design direct-mail flyers? Don’t ask me. I haven’t a clue. Need to know how to fill a restaurant to the rafters every night? Never owned a restaurant. Not my thing. Want to build a deck? Follow my advice and you’ll just end up with... Continue Reading

Random thoughts for today... I'm finally starting to see through the scam known as "insurance". What ticks me off most is health insurance. It doesn't matter how healthy you are. Once you are accepted by a company, they religiously increase your rates every premium period just because they can. So what to do? Change insurance companies. My premium got cut in half when I did this. Of course, in just a few years, it will... Continue Reading

About a month ago, Mary got pulled over for speeding. The cop let her off the hook for whatever reason, but he noticed that the tags on the minivan had expired. I always take care of tag renewal and recalled that I had just sent a check in a few days prior. The city record showed that the tags had been expired for 8 months. Mary got a ticket and we had a court day... Continue Reading

The Incredibles is Disney/Pixars' latest cash cow. Can these people do no wrong? Pixar has animated toys, bugs, monsters and fish. But one realm they had not covered to date was people. The wait is over. I took the kids to see The Incredibles yesterday and we all thoroughly enjoyed it. The Incredibles is a story of super heroes who have been exiled by the government and the people, due to ever-increasing litigation incurred as... Continue Reading

And so, the litigation hounds once again are unleashed on the prescription drug community. This time it is over Vioxx, an anti-arthitic drug manufactured by Merck. Research has long pointed to the fact that long-term use of Vioxx may contribute to heart attacks and strokes. Perhaps the FDA didn't study the drug long enough. Perhaps the pharmaceutical companies are only interested in money. Perhaps people don't read the warning labels. And perhaps some were willing... Continue Reading

Do you have a fax machine? If so, has your number been released to the spammers of the fax world? Once it has, your fax machine will never be the same. Junk Fax has cluttered my fax machine for nearly two years. I get several junk faxes a week, promoting the latest penny stock, travel club or health insurance scheme. I have been throwing away the faxes as the removal numbers at the bottom seem... Continue Reading

I hate dealing with insurance. When you pay a premium, you are betting that you will need to make a claim. With health insurance, you are betting that you are going to get sick! About eight years ago, I bought a policy with Fortis, one of the world's largest banking and insurance companies. At that time, we decided that all we needed was a major medical policy. So we choose a $2500 per person deductible... Continue Reading

Interesting things you find online. Ever heard of a structured settlement? Lets say you had a large sum of cash due you from a lawsuit or personal injury case. A structured settlement is "An agreement in settlement of a lawsuit involving specific payments made over a period of time. Property and casualty insurance companies often buy life insurance products to pay the costs of such settlements." Receiving large sums of money at once can be... Continue Reading

After the week I had last week, the icing was put on the proverbial cake yesterday afternoon. I found that I have been paying way too much for my health insurance thanks to my agent at Al Boenker insurance (The link is there so you know to avoid them). He is no longer with the company, but I was ticked just the same. I left the office at 2 pm and came home to find... Continue Reading