Category Archives: 21st Century

The Health Insurance Business


Insurance is not a product but a financial service. Unlike others, the selling point of insurance is risk. People buy insurance because they want to get compensation in case something bad happens such as an accident, a natural calamity, or … Continue reading

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Believing in Evolution


Being a Catholic, I have no problem believing in evolution because this scientific theory offers plenty of insights. Unlike many religious people, I don’t take the Bible literally, especially the Old Testament. As a general rule, words invented by humans … Continue reading

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The 2016 US Election


Winners and losers are only separated by a thin line. Many people have crossed that line, some more than once. Thomas Edison once said, ”I have not failed. I’ve just found 10,000 ways that won’t work.” Most people don’t have … Continue reading

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World’s Biggest Middlemen


In everyday life, we try to eliminate the middleman in order to cut cost and foster closer relationship between producer and consumer. How successful are we doing that? I can see four areas where the middleman seems indispensable despite all … Continue reading

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The German Solar Effort


Although not known for its sunny weather, Germany initiated the world’s solar revolution about 20 years ago with a vision that other countries would later follow. The goal is to increase the share of all renewable sources in German electricity … Continue reading

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Rape of the Middle Class


The decline of the American middle class has been happening since the 1980’s. If you are younger than 40 years, you probably do not notice it that much. Let me recount what I have experienced. To begin, what do I … Continue reading

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To Bet or Not to Bet


Everyday living involves taking some degree of risk all the time. I wish to find out what I need to do to ensure a productive and enjoyable life. Obviously, the least risk is to stay at home and watch TV, … Continue reading

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