DIRECT >>> TO THE POINT

Insuring the Future of Insurance

As we age, most people look to the years ending in “0” and “5” as milestone birthdays. With each half decade, people take stock of where they are and what their future holds. With 2015 now underway, people are looking to see how we have changed in this decade, and what the year 2020 will…

Boomers: My Empty-Nest Future

As my husband and I begin to look towards life as empty-nesters, we have many things to consider. We are fast becoming Boomers who are no longer burdened with college tuition, a mortgage, debt, or children’s expenses. We are a hybrid of the leading-edge boomers and the trailing-edge boomers.  The leading-edge boomers is a population…

Life Disrupted, Interrupted and Corrupted: A Recent Experience with Healthcare Insurance Coverage

In the past two years, my wife and I learned firsthand that life can change in an instant.  And, we learned firsthand about the complexities of our current healthcare and health insurance system. My Wife’s Emergency: Life, Disrupted Prior to Thanksgiving break in 2013, my wife suddenly found herself with pain on her left side,…

Goobers, Raisinets, and Geico

With the Oscar awards coming up, I wanted to write about how the cinema experience has changed. There are 15,782 screens that now offer 3-D movies. Revenue from 3-D films at the box office reached $1.8 billion in 2014. What hasn’t changed is my passion for the movies and the never-ending previews and ads that…

Customer Service Creates Companies We Love to Hate

A recent article named the 10 companies that offered the worst customer service. The article can be found here: http://www.alternet.org/10-companies-act-they-hate-their-customers Whether or not these companies are actually the worst when it comes to customer service, there is a common thread among the companies and industries. Each of the 10 companies fall into one of three…

Boomer Perspective: Tale of Two Millennials Sons

Thanks for reading the story of my younger Millennial son. While his journey has overall been positive, my older son (also a Millennial) has traveled a rockier road which has included low-paying jobs after college, unemployment, and a return home to re-group. Eight years separate my Millennials: the older one entered the workforce during the…

The Health of Your Insurance

With the holiday season behind us, we are now faced with the harsh truth the winter brings. Gone are the cheerful holiday decorations and lights. Cold, grey January days have replaced holiday cheer. There are some of us that are invigorated by the New Year, hopeful of all the possibilities it brings. Others are suffering…

Financial Services for the Underserved – Part 3: Five Observations about the Underserved

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Parts One and Two of this series defined the underserved and discussed the overwhelming need for mainstream financial services companies to create products and services for this population.  In writing this series, I learned many things about the underserved, and the potential to help them.  To round out the series (and to provide food for thought), here are five key observations I…

Doggone it! Have a Happy New Year!

My name is Oscar. I live in New York City with my pet parents. I am an only child. My mother owns a direct response agency specializing in Financial Services. Together, we decided that 2014 would be a year of education on the value of Pet Insurance and how important it is for me and…

Yes Adrea, there is a Christmas

Growing up Jewish, I always envied everyone who celebrated Christmas. I loved the twinkling lights and decorations. I would ask my grandparents to drive me through the local streets where all the beautiful homes were decorated to perfection. We celebrated Chanukah; I received eight presents for each night of the “Festival of Lights”. But the…