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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...

Disaster Preparedness – Better to be Safe than Sorry

  With all the recent talk of El Nino and forecasters expecting record amounts of rainfall this winter, many of us have flooding (circa 1997) on our minds. The summer of 2015 seemed to be one forest fire on top of another, and just one year ago, the Napa Valley was hit hard by a magnitude-6.0 earthquake, the...

Avoid IRS Reporting Penalties

The 6055 and 6056 tax filing has many employers up in arms for the upcoming tax filing. The increased penalty amounts announced in July are alarming. A single 1095-C form violation could result in a penalty of $500 per form, with no cap if the employer shows intentional disregard —...