A Welcomed Primary Care Provider

doctors scope

The scheduling delay for a routine appointment with one of America’s 210,000 primary care doctors seems to be measured in weeks, even when the doctor’s practice is already the patient’s medical home.  New patient appointments often take six weeks.  For a good ophthalmologist, 2 or three months seems to be a normal wait.  Medical care […]

Before the Financial Plan for Retirement

dollars

Much of the discussion on retirement comes in publications that focus on the best tools, investments and advisors for managing your retirement nest egg.  Those are important, but more important as a first step is to establish your choices on what you want to do during retirement and when retirement should start. For most, a […]

Security and Trust are Both Lost

computer spy

A decade ago, Internet privacy violations were often pranks by script kiddies hoping to out-do each other through website defacements.  Today, such juvenile antics attract little notice.   Instead, more news covers criminal gangs from Eastern Europe who steal personal account and password information for bank and credit accounts.  Personal information and credit card numbers for […]

ACI in Real Clear Policy: Progress on Biosimilars – Not Fast Enough

drug vials

Drugs that compete with brand-name drugs are usually called “generics.” Off-brand products that compete with an especially complex category of drugs called “biologics,” however, are called “biosimilars.” Whereas generics are chemically identical to brand-name drugs, the FDA defines a biosimilar as having a new active ingredient while being highly similar to the reference product and […]

Unbundling: Could It Make Education More Affordable?

education-header

Those who cannot afford a university degree face career earnings that are substantially lower than those who are college graduates, and recent university graduates are burdened by an average of $29,000 in student loans.  The high cost for attending college is a troubling issue for both groups. The average annual undergraduate attendance cost for a public […]

Balkanizing the Internet

road traffic

The assassination of Archduke Ferdinand was the toppling domino that led to World War One.   The assassin’s action merely added to centuries of resentment and tension which made the Balkan nations ready to consider war.  Likewise, Edward Snowden is not accountable for the National Security Agency’s (NSA) surveillance of US citizens’ communications nor for its […]

Potential Consumer Strategies for Impending Interest Rate Hikes

credit card 1140x445

The Federal Reserve Board (Fed) has kept short term interest rates near zero for several years.   Large banks were able to borrow at near zero rates and lend at higher rates for home mortgages, and for automobile buyers and for businesses.  The Fed governors intended to increase interest rates when inflation approached their discomfort level […]

The Right to Revise Personal History

private sign 1140x445

The European Court of Justice requires Internet search firms to accommodate requests from the pubic who want a story removed from search results when the story links to personal information that is “inadequate, irrelevant or no longer relevant.” This new right is usually called the “right to be forgotten.” Google has removed search access to an […]

The Coming Battle over Encrypt-Decrypt Certification

computer spy

With disturbing frequency, cyberattacks on government institutions, infrastructure and commercial firms are being reported.  Attacks on government agencies seem to emanate from nation-state rivals such as Russia, China, and Iran.  The attacks are usually probes for intelligence on military strength or for design data on advanced military technologies.  Russia used this strategy to monitor Ukrainian […]