Photo of the author taken by his wife, who only photographs him when there’s food in his mouth 🤣

A Filipino-European American, Armando lives in the United States with his wife and children. He’s worked in food retail, food service, information technology, pre-hospital emergency medicine, consumer electronics retail, federal law enforcement, and insurance advocacy and education.

After his father died in 2014 from an aggressive form of Alzheimer’s disease…

My Very Own Twilight Zone Episode

Image by Kristie Tumanyan

Okay, you got me! Not everyone I know made lasagna, but everyone I talked to about what they were preparing for their Christmas Eve or Christmas Day said they were making lasagna, including my family.

It began with a conversation with my wife on…

Photo by Tyler Nix

The thought of Life Insurance makes most people cringe, but it’s not about you (the insured), it’s about the people you love (your beneficiaries).

Who Needs Life Insurance:

This broad list applies to people who are:

  • Single.
  • Life partnered.
  • Married.
  • The breadwinner of a life partnership or marriage.
  • The stay-at-home life partner or spouse.

What can life insurance help pay?

  1. House.
  2. Car.
  3. Mortgage.
  4. Rent.
  5. Vehicle loan.
  6. Utility bills.

Photo by Mitchell Johnson

Conduct is defined as “a behavior based on moral principles”. Conduct can be viewed as “good” or “bad. Misconduct means “improper” or “unprofessional” behavior. Unsportsmanlike is “unfair” behavior.

In most sports, unsportsmanlike conduct can get a player fined and even removed from a game or sport’s match. Given enough time…

Photo by Zakar

Think of Medicare Advantage as an alternative to Original Medicare Parts A and B because it replaces your Original Medicare coverage. Medicare Advantage is also known as “Medicare Plan C” or “MA” plans.

Medicare Advantage plans are heavily advertised on television, the internet, and radio, especially during Medicare enrollment season.

Photo by Logan Weaver

A Medicare Supplement, also known as “Medigap”, is an add-on to Original Medicare (Parts A and B). However, before you read about Medicare Supplements, you should understand how Original Medicare and Medicare prescription drug plans work.

If you’re already familiar with Original Medicare, Medicare Prescription Drug Coverage, and Medicare Supplements…

Photo by BBH Singapore

Enrolling in Original Medicare can be one of the most stressful times for senior citizens, so I’ve written this article to help you or a loved one gain a better understanding of Original Medicare (Parts A and B) and Medicare Prescription Drug Plans (Part D) for 2021.

The following article…

Photo by Patrick Fore

If I only had a dog that couldn’t eat,
Just sat and begged me for a treat.
While my kids laid starving on the floor,
My dog, that sat, would beg no more.

If I only had a sow that oinked all day,
I’d tell my kids to go out and…

Photo by Diana Parkhouse

If you live in the United States there’s a chance that you, or someone you know, has a health plan with high deductibles and premiums. These plans are sometimes referred to as “Obamacare” plans, which are nationwide health plans through the Health Insurance Marketplace by the Affordable Care Act.


Photo by Michal Vrba

As I reflect on my years as a scholastic chess club coach for a private school, my focus was on chess etiquette, fundamentals, strategy, and tactics. …

Armando Almase

Husband, father, and friend. Analyst and storyteller. Licensed advocate and educator. Published book author. Former EMS professional and LEO.

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