Category Archives: Health Care

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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Answering the Herbalist’s Call


I was born in 1950 into an herbalist family in Guangzhou, Southern China. We moved to South Vietnam because my father got a contract as a Chinese herbalist in the Cantonese Hospital in Cholon, the sprawling Chinatown adjacent to Saigon … 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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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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Replacing Obamacare


The repeal of Obamacare by the Republicans is easy. They have done it repeatedly for over 40 times in the House during Obama’s presidency but could not overcome his veto power. Now that they have Trump as President and a … Continue reading

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Sleep Problems


Different cultures look at sleeplessness differently. The Chinese view regarding this problem revolves around 4 concepts: 1) Transfer daily stress into physical tiredness. Complex modern life tends to add to your sleeplessness or anxiety. A good way to reduce it … Continue reading

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