Be Connected and Grateful To God

Sunday seems to be a good day to reflect and be at peace. Something that is harder to do now in our connected world. So, why not, for a moment, stop and think about all the good that has come to you.

Me, well, I am grateful to God, he has been exceedingly good to me, my wife Linda, my 3 boys, family, and friends. We are safe, healthy and well fed, we have generously given our time, talent and treasure to help others and tried to follow him every day.

Sunday’s were joyful and peaceful

Sunday’s, when I was young, were spent with my family, Grandparents, and cousins. There was no agenda, no internet, no cell phones, no fast food, no shopping, no texts, no interruptions. The surroundings were peaceful themselves; most stores were closed, traffic was lite. It was around the world a day of rest. Yes, Sunday was a day to meander through, to enjoy, to pray, be grateful and play. We were connected but not to “stuff” but something bigger. God was present, and so was his grace, peace, and joy. I was a happy youth surrounded by family and friends. Continue reading “Be Connected and Grateful To God”

How Is Your Health? How Do You Get Healthy?

Evidence-based medicine to me is a bit of an oxymoron. Some of the healthiest people I know have gone out of their way to find options to conventional wisdom. I would call western medicine and its foundation evidence-based medicine conventional wisdom.

Over many years I’ve spoken with many, many health gurus who all say something different. I mean that they differ from conventional wisdom entirely. How is that possible, a nation like ours subjects its citizens to trial an error because citizens have to turn elsewhere for information?

It strikes me that with all the evidence-based research done why don’t we have more cohesion among what humans should do to be healthy. I mean, shouldn’t we by now have a clear path to what’s good for us, what is healthy?

The U.S. ranks last overall with poor scores on all three indicators of healthy lives

Just for fun, I’ve accumulated here authors and people who have a message that they’ve found the solution to health. The problem I hope is obvious, we aren’t researching these techniques with the same intensity we research bio-pharma-solutions? That means, our professionals aren’t armed with the information to make us healthy? Continue reading “How Is Your Health? How Do You Get Healthy?”

President Trump ACA Order

What does undoing ACA look like with this Order? Here’s the first stab at it from President Trumps first days Executive Order. In a word, he loosened the expenses tied to ACA. He then encourages Federal regulators to provide flexibility to the States plus encouraging interstate commerce.

I’m not alone in my view, but many of us have been saying ACA is too broad to be undone with the stroke of a single pen. What President Trump has done is given instruction for the regulators to make the changes needed. He’s given them a very broad framework to work within, but it’s not a roll-back because that’s not possible. Continue reading “President Trump ACA Order”

Zenefits, Short the Stock

Interviewing insurance executives at Zenefits in 2015 the problems of Zenefits were obvious. Just like the problems still are now, January 2017.

In midsummer 2015 I knew the meteoric rise of Zenefits was but a flash in the pan. Running an agency of their size relying on so few insurance staff is two mistakes. First, licensing that has exposed no respect for State protections for citizens and second, and worse than the first, is  squandering the opportunity to disrupt an industry stuck on its own existence.  

There is so much opportunity to bring fundamental change to more than brokers it would be a tragedy if Zenefits new leader doesn’t get this right. 

It sounds like Conrad’s (former CEO) resignation has made room for good culture changes but if Sacks hangs on to the simple minded insurance thinking short the stock. 

“The company culture of pressuring and bullying employees to cut corners and do the wrong thing is over,” says Sacks.

https://www.bloomberg.com/features/2016-zenefits/

Real value for change is much larger than the broker cash grab. That actually doesn’t change or disrupt the industry. 

Consider just two items:

  • Technology forces benefitting 401k fiduciary protections
  • Changing the Healthcare cost escalations for smaller businesses

Wondering Why Trump Was Elected?

I’ve been silent since the Donald Trump election because I’ve been shocked at how many people haven’t a clue about why Donald Trump was elected by people like me. My apologies to anyone who might be upset, please provide your comments here so I can learn about you. My hope is to offer, in This Linkedin repost, one explanation long before election day why I voted for Trump.

I’d love to stir up a discussion so I might learn if my post is new information if I’m miss informed or if this is not relevant and why. Continue reading “Wondering Why Trump Was Elected?”

What are ACA changes going to mean?

 Answer: More changes for businesses; it makes the case for a PEO.

ACA image
ACA image

Everyday I’m asked what’s going to happen with Obamacare/ACA now that Mr. Trump has been elected.

After reviewing in detail some of the proposals, like the American Enterprise Institute (AEI) aei-improving-health-and-health-care-online-2015 , a D.C. think tank, I’d have to say more changes are coming to healthcare. It’s hard to imagine more change than ACA but change is imminent. I shudder to think we could have more change in healthcare, we’ve had so much change since Obamcare/ACA was enacted in 2010. But the fact is, even to undo it, more regulations are needed to undo it. Continue reading “What are ACA changes going to mean?”

How Your Greed is Shrinking Your Pay Check

An office restroom in the 90’s had a sign on the wall that read, “Greed is Good.” This phrase was popular in culture when I was younger,

Greed is Good was common.
Greed is Good was common.

it was part of business school teaching and was commonly accepted. But now, fast forward 20 years and I’d have to say this notion is the cause of much of our American economic woes. I can see pretty clearly the affects played out in business, governement, courts, communities and in families.

Sadly, my generation, born in the 60’s will never be held accountable for events like Enron where greed fueled crazy financial modeling that could explain ways of fashioning the greatest greed. Or, where our government leaders were/are more concerned about a vote than an unborn American life. Continue reading “How Your Greed is Shrinking Your Pay Check”