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...

The new Health Care Reform law will bring a lot of changes, and potentially a lot of added costs, to certain businesses if it is implemented as currently legislated.  These costs won’t be evenly shared, either. For unlike small and medium sized businesses, most large corporations and...

With 9.6% unemployment, the job market seems to be an unending black hole but there are many bright pockets.  Even the Federal Reserve has admitted that government policies will not fix the unemployment situation.   I thought I would share my opinion about where the job opportunities...

Life is so complicated at times that adding finance and savings into the mix can be overwhelming.  I strive to continually simplify my life so that I can do things that I enjoy.  Even though I work in finance, budgeting is not something I enjoy doing or living with.  To deal with that mind...

Be careful of the rhetoric coming out of Washington about how small business will pull unemployment and the economy out of trouble.   The belief of our politicians is that more liberal bank requirements will somehow result in loans trickling down to small business and thereby opening  a...