The world of health care as we knew it no longer exists.  It hasn’t existed for several years and the recently passed “health care reform” law, known as the Patient Protection and Affordable Care Act (PPCA), sounded its death knells. It used to be that I can pay a minimal monthly...

We live with the chance of fundamental, life-changing events occurring every day;  an accident, loss of income, health problems, outliving savings, loss of self esteem, the list is long.   It is not something that you can avoid but you can be protected.  The questions are by whom?  And...