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
Most of us are well on our way into the winter mindset: Hunker down, nestle by the fire and stay warm. Even so, it's never too late to winterize your home. The U.S. Department of Energy shares these tips to help maximize the warmth and save some dough. Apply weather stripping or
Whether you’re a startup or a small to medium business you’ll no doubt already have experienced the dreaded mountain of paperwork that comes with ensuring the smooth running of all your HR processes. If done manually, this paperwork can see you (literally) pulling your hair out, which is where our
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
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
Just as many Californians prepare for open enrollment season, the California Office of the Patient Advocate released ratings Wednesday of 10 HMOs, six PPOs and more than 200 medical groups. Read the full LA Times article here.
Watch this video and learn! https://youtu.be/KKmBtBrSOB4 You are probably not covered for a flood, because most homeowners policies don't cover it!
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
The answer has always been: “You need it if the bank tells you that you need it.” That answer can cost you dearly. What would you think the most common Natural Disaster for Property Damage is? Most of us would say “Fire,” but we would be wrong. Fire accounts for
When you buy a car, you get auto insurance. When you purchase a house, you purchase a homeowners policy. When you get married or have a baby, often times you purchase a life insurance policy to protect the ones you love. Outside of these situations, it's typical for the average consumer to rarely give insurance a