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The penalty for not carrying health insurance is quite debatable. Before 2018, an individual mandate known as the ‘shared responsibility provision’ in the Affordable Care Act imposed a penalty on those without health insurance. This was a necessity because for health insurance to work, there must be a good balance between low-cost enrollees and high-costRead more

Does your business have a key employee that your company relies on? If so, you may want to consider key-player insurance. This coverage offers protection should an essential member of a company pass away. It allows your business to go on, even without that much-needed person. Who should have key-player insurance? You don’t have toRead more

You may be eligible for a discount on insurance and not even be aware of it. Many people are eligible for discounts on insurance, but there is rarely a comprehensive listing of those who can be discounted. To get a better picture of the discounts that you might qualify for it’s usually a good ideaRead more

Americans’ recent push to eliminate their debt is placing many families at risk. The most recent Federal Reserve Bank of New York Quarterly Report on Household Debt and Credit shows that Americans reduced their debt by approximately $100 billion since the fourth quarter of 2011. However, according to Certified Financial Planner Board of Standards, Inc. Consumer AdvocateRead more