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Avoiding the ACA tax penalties

Now in our third year of the Affordable Care Act, the open enrollment period is finishing up for the 2016 plan year. This year we have seen a lot of changes and some increase in provider participation for the individual and family plans. It is still important to...

El Nino? El What?

  El Niño has become a buzz-worthy term these last few weeks.  If you're a curious sort, or a weather buff, or you love Google as much as I do, then you've probably done your share of "official research" on the subject.  If not, here's El Niño in a nutshell: Picture a bowl of...

Flood Insurance: The Basics

  If you live in California, watch television, listen to the radio or browse the internet, then you've most likely heard about El Niño and the possibility of flooding in the coming months.  Amid all the talk about flooding and subsequent need for flood insurance, there are still more questions.   Most people understand the basic idea...