On Dec. 14, 2018, a federal judge ruled in Texas v. United States that the entire ACA is invalid due to the elimination of the individual mandate penalty in 2019. Following this decision, the White House announced that the ACA will remain in place pending appeal. This lawsuit was filed by 20 Republican-controlled states as…
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Article by David Rae Forbes Contributor While the Trump Tax Plan was touted as a huge tax cut, many millions of Americans will still see their taxes go up in 2018. Residents of high-tax states like California, New York and New Jersey are the ones who will be mostly affected. Those individuals should be proactive and look…
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The Affordable Care Act (ACA) requires health insurers to offer a one-month Special Open Enrollment Period, where eligible small groups can enroll in coverage without having to meet standard employer-contribution and/or employee-participation ratios. The Special Open Enrollment Period occurs from November 15th through December 15th each year, allowing eligible small groups to enroll for coverage…
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November is long-term care awareness month. Here are five things you should know about LTC. Statistics vary on how many people will need LTC. With 10,000 people turning 65 every single day in America until around year 2030, there are varying statistics regarding the need for long-term care floating around out there—some as high as…
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For skiing enthusiasts, the concept of ups-and-downs is quite exhilarating. Just the thought of cutting powder on tall, sloping moguls can make even the “hard cores” blush. But as recent market volatility reminds us, the goodwill doesn’t apply to ups-and-downs in every situation. Sometimes it can bring just the opposite. Earlier this month on Morningstar, Director of Personal…
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Earlier this year, equity analysts started reaching for the Motrin again as market volatility came back to town. After a prolonged period of growth, U.S. stocks began charting a new path of ups and downs. Scores of commentators observed the change in market winds. Even Jack Bogle, founder of Vanguard, said the newfound market swings…
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Nobel laureates are certainly top achievers. In 1988, Leon Lederman won a Nobel Prize for his work in physics. Apart from award-winning research into subatomic particles, he is famous for coining the infamous name of the Higgs bosin: the “God particle.” Lederman passed away in a nursing home in Idaho on October 4. He was…
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Every year a Medicare Open Enrollment Period, correctly referred to as the Annual Election Period, is made available for people who qualify for Medicare benefits. During the 2019 Annual Election Date, anyone who is eligible for Medicare Parts A and B can enroll in or make changes to their Medicare coverage. Part D & Medicare…
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POST WRITTEN BY Jacob Alphin Founder of Rillhurst Capital LLC, an independent wealth management firm serving the Washington DC metro area. Investing in the market without taking losses — is it too good to be true? Not according to the University of Michigan’s head coach Jim Harbaugh. In August, University of Michigan helped Harbaugh become the…
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When Roger Ibbotson recently published a new report on fixed indexed annuities and their place in an optimized retirement portfolio, everyone took notice. Few economists and financial researchers garner the attention and level of respect that he does. He is Professor Emeritus at Yale School of Management, former chairperson of research firm Ibbotson Associates, and chairman as…
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