Why talking to yourself is a bad idea

My family would tell you that, while hiking, I often like to “bushwhack”. I find that leaving the prescribed trail in pursuit of an adventure or more direct route offers an opportunity to see things I would otherwise miss, or view familiar sites from a different perspective. I also find it an invigorating challenge to test […]

The Law of Unintended Consequences

Although health care reform was an epic political battle, few recognized that the Affordable Care Act (ACA) would help employers achieve their long-desired goal of shifting employee health plans from defined-benefit to defined-contribution.  However, that’s exactly what’s happening; employers are using private exchanges to set contribution rates and allowing employees to choose (and pay the […]