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A couple of the top-rated life insurance carriers I work with are now offering true non-tobacco rates for tobacco users that don’t smoke cigarettes. Make no mistake:  these aren’t gimmicks like small face amount policies or products that are priced so poorly to begin with it isn’t a big deal.  Term life and permanent policies […]


Last week while we were all feeding our faces like gluttons over the Thanksgiving Holiday our government’s gluttonous spending reached a new milestone: our National Debt hit $18 Trillion.  That’s Trillion with a T! If you like to see zeros it looks like this: 18,000,000,000,000. I don’t want to get too political and I certainly […]




I’ve already lost a lot of eyeballs with my relatively tame, non-provocative title.  I’m sure a title like “Real Photos of Aliens Storming City Hall” would generate more views.  Make them naked aliens and I’d generate even more page views.  There is a great deal written about our shortening attention spans as a society.  I […]