by Ethan Kalvin Insurance is actually not an expense but an investment in your financial future. Working hard in today’s society means building up assets over time that increase your net worth. If you are successful at doing this, then you certainly don’t want to take a chance that one mishap could wipe you out and put you in financial ruin. This situation happens to more people than you would imagine. The only sure way to protect your assets is for you to have full insurance coverage. Insurance such as health insurance, car insurance, life insurance and disability insurance can...

by Ethan Kalvin In a dramatic news announcement, China recently stated that they will begin providing health care coverage for almost all of their 1.3 billion citizens. The cost is estimated at $123 billion over the next three years for coverage. Currently, government health care assistance is provided for a limited few Chinese citizens. It is estimated that by 2011, 90 percent of Chinese citizens in urban and rural areas will have access to basic medical services. There will also be a concerted effort to assure that the quality of coverage is equal in rural and urban areas. The government was...

by Ethan Kalvin If you are one of the millions who don’t have health insurance because you think you can’t afford it, you may want to rethink that. Consider the story of a lady we’ll call Mary. On a typical drive home from work one night, she was suddenly hit head-on by a huge eighteen wheeler. Her car was turned into a mangled pile of metal and Mary nearly lost her life. The paramedics lifted Mary into the ambulance and rushed her to the hospital. Multiple Fractures, a punctured lung, and third degree burns covered her legs – but she was alive. As she lay in her hospital...

by Ethan Kalvin No matter where you are in live, chances are you have some type of insurance, whether it is home owner’s, health, dental, automobile, or life insurance. Illness is rampant and as long as the medical industry seems to be making more and charging more, then health insurance will be a requirement. Homeowner’s insurance is required by the lender. And automobile insurance is also required by the lender, and often the state. Insurance coverage is a right that every citizen should be able to have and afford. Our teetering economy is at its weakest in over 100 years and folks...

by Ethan Kalvin We all have heard horror stories of hospitals charging $75 for an aspirin. The truth is that there is some adminstration fee incorporated into that $75, but nonetheless it does seem a bit steep. The result, however, is that these stories cause people not to trust hospitals with regard to their bill. Overbilling is not an uncommon thing, and it is always a good idea to review a hospital bill line by line. In one recent example, a young couple, he a doctor and she a nurse, had a bad billing experience. The husband had been hospitalized for a short time, and the wife began to review...