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My Awakening : My First Serious Look At America's Healthcare System 我在美國沒有健保的困局

如果想閱讀中文版, 請按這超連結與我聯絡 , 我會把中文全版 (繁體或簡體) 電郵給你… Yesterday, I discovered that I had officially joined the tens of  millions of Americans who don't have health insurance, since 1/1/21018!  I never imagined in a million years I could be one of the uninsured Americans.  Now I'm one, I finally realize why healthcare is such a debated issue in this country.  Having been an employee for many years, I used to have no idea what people were talking about when they talked about uninsured Americans.  I had never lived one day in the USA without health insurance.  When I was in college as a foreign student, I was covered by my university's group plan that had very affordable premiums. After I left the academic world, I was provided with health insurance by my employer.  During the probation period at my first professional job, I was covered still by my university's group plan, which I only used for one doctor's visit due to a strap throat.  Yes, there were the ...
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How To Choose A Financial Planner in Macau? 如何在澳門選擇財務策劃師?

My inspiration to write this post came from my mother who lives in Macau.  As Macau's economy prospers, there is an increase in  opportunities for the finance industry to set up retail shops in Macau to offer a wide array of financial products, from health insurance, retirement annuities, mutual funds to all kinds of investment vehicles that cater to the Macau citizens' need to invest their idle cash. The extremely low interest rate has been fueling my mom's desire to invest her money somewhere that offers decent returns.   If only my mom had discussed with me before she handed her money to her cousin many times removed, who proclaims herself as one of Macau's top "Financial Planners", I would have recommended my mother to one of the fee-based  and performance-based  Certified Financial Planners whom I've been working with here in the USA.  Yes, I always advise my clients, if you are to select a financial planner, try to find one who charges a planning...
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Travel Insurance Is Good For International Travel 旅行保險該在什麼情況下值得買?

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As an accountant, I'm somewhat risk adverse.  I just don't dare to travel outside the USA for weeks without insuring my trip.  I personally think travel insurance is worth for the peace of my mind when I prepaid for the plane tickets and hotels for thousands of dollars.  Even though I am visiting my hometown Macau, I will feel jittery if I go there without travel insurance.  My trip back home costs me thousands of USD, so to me, paying $254 (for a 2-weeks trip, without the Flight Guard and Car Rental Collision Coverage because I don't need to drive in Macau) to protect my loss against unexpected trip cancellation and interruption, isn't making my trip that noticeably more expensive.   I however never bought travel insurance when my trip cost under US$5,000.  It's because I'm tolerant to insignificant loss of money and at my tolerance level, anything that is under US$5,000 isn't worth my worrying about it.  I also didn't buy travel insurance ...
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