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As a health insurance agent I get asked that question almost daily usually by someone who is often just a little embarrassed. Insurance is a pretty technical thing. Most of my clients have had group health insurance through an employer or their spouse’s or parent’s employer all their lives. They had no reason to learn

I’m a blogger. Funny, I don’t feel any differently now. Maybe I will after I publish this post. I have 10 websites that I hand-code in XHTML and program with PHP and JavaScript, but I’ve never blogged before. I suppose I had to do this. I mean, it was inevitable. I’m a geek. No question