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Obama Quietly Dissolves Obamacare

Recently, President Obama quietly withdrew the most important element of the Affordable Health Care Act, “The Mandate.” The Mandate that everyone must purchase insurance or face a tax penalty has been postponed for two years. The original goal of the Affordable Care Act was to encourage the millions of Americans without insurance to sign up […]

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Tax-Free Retirement

 We all know that the U.S. Government is $17 trillion in debt and has made trillions of dollars in Entitlement promises for which it has no money to pay. Forgive me if I don’t trust politicians not to come after my hard earned income and savings with new or higher taxes in the future to […]

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2013 Was a Memorable Year

It has been a memorable year and I hope my blog (over 5,000 hits in 2014) has captured some of the moments that impacted our lives and will help us plan for the future. I’ll take this time to re-share my some of my most popular blogs from this year and for fun ask that […]

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Why Health Insurance is Not “Insurance”

What would happen to the cost of your auto insurance policy if oil changes were paid for entirely by your auto insurance? You wouldn’t pay at the point of service, but rather you would give them a card and they would send your paperwork off to your auto insurance company to collect payment. Laughable right?  […]

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Math Matters – Affordable Healthcare Act Sign up Glitches are the Least Concern

On October 1st, insurance rates were released for individuals and while most people were taking the government website for a test drive (very few people have signed up) the premiums are not lower as were promised by the President a few years ago.  My sister, for example, just informed me that her new family premium […]

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There is No Government Crisis (4 minute read time)

The only potential “crisis” is that most people are doing just fine with 17% of the government shut down.  God forbid the nation gets by with less government spending.  Like a household after a pay decrease, spending priorities need to be made to make do with the money that is coming in.  The U.S. Government […]

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Express Online Link to Apply for Illinois Individual or Family Health Insurance

Need health insurance or want to shop for a better rate or plan? Go to my website ( and click on BCBS link to apply for medical insurance for you or your family beginning October 1st (unless the President allows for this to be delayed a year). From the Blue Cross Blue Shield link on […]

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I Wouldn’t Mind Government Shutdown

The last time the federal government shutdown was back in November 1995 and the Dow Jones was at 5,074. Three years later it was up to 9,100 (UP 80%). The Newt Gingrich led the Republican House of Representatives to battle on Capitol Hill to reduce government spending. When the previous fiscal year ended on September […]

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Affordable Care Act – Newest Plan to Create Gov’t Dependency Will do Just That

The number of people in our country receiving redistributed tax money from tax paying citizens is growing at a record rate and the new healthcare law will dramatically grow that number. It is very sad that: Food Stampers have exploded(1/6 of adults) Total Unemployed – nearly (14%) Medicaid & Welfare recipients at record highs (over […]

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Chicago Finances in BIG TROUBLE- The Blue State Reckoning

Liberal pension excesses are now jeopardizing liberal priorities. From WSJ 8/12/2013 The crisis of liberal state and city government is arriving, with Detroit in bankruptcy and now no less a Democratic potentate than Mayor Rahm Emanuel warning about the fiscal mess in Chicago. The partnership of public unions and liberal politicians is hitting the wall. […]

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