Smaller and new companies and companies that have challenges in the areas of earnings, sales, debt and liquidity often offer penny stocks. Penny stock is the term used to describe stocks not generally traded on the major markets and which trade for less than $5.00 a share. Since penny tocks are not held to the […]

Individual Retirement accounts are amongst the most efficient ways to plan and save for your retirement living, over a period of numerous years leading up to the event. They\’re designed for men and women who\’re able to save a regular amount of income every month, which can then be put into any of the investments […]

There\’s soon to be a new dichotomy in California based on income but it\’s a reversal of the usual split and it will be arriving with a clamor Jan 1st, 2014 when Health Reform makes its entrance in earnest. The availability of health insurance subsidies based on income levels will have a huge impact on […]

The purpose of stock is to facilitate the exchange of securities and capital between buyers and sellers. By creating a stock market, the risk to individual investors is lessened because it spread out over a number of investors. Consumers invest in stocks to create and maintain wealth and capital not otherwise available, and companies issue […]

Long term investors have designed a stock portfolio and investment strategy that can weather the ups and downs of the stock market on a daily, weekly, monthly, and even yearly basis. Their diverse portfolio assures them that they can cover any losses and that their newly accumulated wealth will grow over time. While the general […]

Update on Anthem Blue Cross of California 2/1/2013 Rate Increase We have an update regarding the Feb 1st 2013 rate increase filed by Anthem Blue Cross of California. The carrier has negotiated with the California Department of Insurance and filed a reduced increase. There are some new angles to this revision which are interesting as […]

This is the first part of a two-piece delivery from the State of California in terms of what to expect for the much anticipated (for us, at least) California health insurance plan options available Jan 1st. The State just released the final versions of the plans available to California residents for both individual and small […]

One of the most controversial provisions of the Affordable Care Act (Obamacare) is a mandate for most individuals to have health insurance beginning in 2014, or potentially pay penalty for not getting it. Individuals will be required to maintain minimum essential coverage both for themselves and their family members. However, some people will be exempt […]

Health Insurance Subsidies Available in 2014 Effective January 1, 2014 millions of consumers who qualify will be eligible for premium assistance as part of the Affordable Care Act (ACA).

Texas Health Insurance Exchange Overview Effective January 1, 2014 health insurance exchanges will begin to provide health insurance coverage options for consumers. A health insurance exchange is not a health insurance carrier but an inventory of standardized plans that are subject to government regulations. Individuals and employers will have access to health insurance exchanges to […]