Health care insurance in California can be a daunting task. To begin with, California actually has one of the most competitive healthcare insurance markets in the Country with many more competing companies than most (if not all) States. This is good news for the consumer but it also provides a level of complexity in trying […]

RAF For California Group Health Insurance Will Go Away There are many sweeping changes occurring California group health insurance market and one of them involves the cryptic but important RAF or Risk Adjustment Factor. This is important as it affects the rates that companies can pay for health insurance by up to 20% (10% up […]

We\’ve discussed the \”carrot\” for purchasing health insurance Jan 1st, 2014 and after but we haven\’t mentioned the \”stick\” and there most definitely will be one. For most US citizens who do not receive health insurance through a company, they will be assessed a penalty if they do not secure their own health insurance. For […]

Did you know that most home-owners are likely to pay two to three times the purchase price of their home in interest payments over the lifetime of a mortgage? Clients frequently ask questions such as – “How can we save money on our mortgage”? or “What is the best way to be freehold at retirement?” […]

We all want to buy low cost term life insurance. It is just the wise thing to do. I was recently having a casual conversation with one of my neighbor about life insurance and was surprised to see the amount of premium he was paying for term insurance. I did some research for him and […]

Smoker term life insurance is available online for those who qualify, you need to be in fairly good health. Because of the great campaign against cigarette smoking insurance carriers have created different rates for people who smoke. Premiums are lower for most people as a result, those who smoke pay a little more. It is […]

Everybody has a dream. What’s your dream? There are as many ways to raise capital as there are needs for it. Perhaps you want to take advantage of a simple collateralized loan. We can help you prepare a Letter of Intent/Memorandum of Understanding and a Promissory Note. Or, perhaps you want to pursue a Private […]

Stock Dilution Stock dilution occurs whenever additional shares of common stock enter the market place. This issuance causes a reduction in the earnings per share of common stock because the same amount of profit must be distributed over more shares. Additional shares can enter the market place through a public offering, employees exercising stock options, […]

Stock options can be used to both protect and create profits for typical investors. For example during the dot.com bubble of the late 1990s one of the owners of a major internet company purchased put options to protect against a stock value decline. He kept these positions in place. After the collapse he made over […]

If you are thinking of changing careers and have a clear idea of what you want to do in your life, not having health care coverage may be the one thing that is preventing you from making your move. If you have insurance, you may be afraid to let it go because who knows how […]