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The penalty for not having compliant health insurance for 2015 goes up to 2% of your income! You need to act now to prevent this from happening. Open enrollment runs from November 15th, 2014 to February 15, 2015. After February 15th, 2015, you cannot purchase health insurance unless you have a qualifying event, so you very easily could get stuck paying the penalty!

As most of you know, health insurance has become the largest investment people make, with the possible exception of their home. Since such a large portion of family outlays go for this area, it is very important to get it right. Here are a few items you need to be on top of at this time:

As stated above the penalty for not having a compliant health plan goes up in 2015 to 2% of your income! That’s $2,000 for my average listener.

In most cases, you will not be able to correct the situation after February 15, 2015. Last year, many people who waited to the end had the clock run out on them in the crush at the end of open enrollment.

Most markets have new carriers this year which means more competition and the rates for many of last year’s plans have increased by double digits which demands a need to re-look at the carrier and plan.

One of the brightest spots is in NY where we have new plans and new carriers that can really give you some new options.

While my average listener may not be eligible for a tax credit, some of you are. And more than that, people around you, employees, children, grandchildren, and other family members, may need a tax credit to pay the high premium costs this year. We can help them with this.

Again this year’s plans cannot reject you or have a waiting period for any pre-existing conditions you may have, so you can feel free to take advantage of different benefits and lower premiums regardless of your health status.

A great resource I recommend on my radio shows is Medical Repricing. This service can help you with health insurance questions and options. Visit the website or call 877-642-5657 to get help finding the best solution for you or those you care about.

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As many of you know, I am passionate about helping people increase their savings and reduce debt. For most people their biggest debt is their mortgage. That's why it's so important to take action when there are "windows of opportunity" - specifically when mortgage rates take a sudden, and often short-lived DROP. In the past month, mortgage rates have fallen nearly 1/2%! These types of sharp drops occur once in 18 to 24 months. So please read below and see if you should take action. That means you could have significant savings available if you act. 15 Yr. rates as low as 3.125% (No Closing Cost options ~ 3.5%) 30 Yr. rates as low as 3.75% (No Closing Cost options ~ 4.125%) FHA & VA Government rates are EVEN LOWER ! (No Closing Cost options below 4%) If you or anyone you know can answer yes to any of the items below: If Your Current Rate is Over 4.25%, Or You Have an A.R.M. ACT NOW ! If You Currently Pay Mortgage Insurance If You Currently Have an FHA Mortgage You May Be Able to Change and Save Then you should consider Switching to a 15 Yr. Loan to Save on Interest or consider switching from to a 30 Yr. Loan to Save on Cash flow. Remember - reducing your rate by 1/4% for NO COST can save you 2 years of mortgage payments! Visit www.YouCanRefi.com to learn more information on this extraordinarily rare opportunity.

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Taxes are probably the most unpleasant aspect of personal finance. However, just because you do not like thinking about how much you must pay in federal, state, and local taxes every year does not mean that you should avoid the subject.

If you pay little or no attention to the tax consequences of every financial move you make, you will certainly owe the government more money, not less. On the other hand, if you learn the basic tax-saving strategies, you can maximize the amount of money you spend and invest while you minimize your tax bite.

Combined with the tips, techniques and action strategies included in the other sections of this report, you can learn how to micro-manage your funds so that your money multiplies itself.

Read on and reap the financial rewards!
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If you’ve never invested in stocks or have only limited experience with them, you might be harboring a COMMON MISPERCEPTION of the stock market: It’s a dangerous, volatile place where thousands of sophisticated professional traders and brokers lurk to steal your hard-earned money.

The reality is there are millions of small investors like you who have been able to finance their dreams by successfully buying and holding for years shares of profitable companies and of mutual funds that buy such shares.

This report will help you learn how to micro-manage your funds so that your money multiplies itself. Each section contains useful tips, techniques and action strategies you can implement right away.

Read on and reap the financial rewards!
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For your children to have a bright economic future, they will need a college education. Years ago, most employers expected workers to have a least a high school diploma; today, a college degree is considered a minimum requirement for most well-paying jobs.

This report will help you learn how to micro-manage your funds so that your money multiplies itself. Each section contains useful tips, techniques and action strategies you can implement right away.

Read on and reap the financial rewards!
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Achieving financial security in your retirement years has never been more important. The key to achieving a financially secure retirement is to start early. The younger you begin, the more you capitalize on your biggest ally: time.

Massive changes in society mean that more people than ever before in human history will live in retirement for longer periods of time. The only solution to the coming retirement crunch is to understand your options, plan carefully to meet your goals and follow through on your plan.

You can learn to micro-manage your funds so that your money multiplies itself. Use the techniques and tips and action strategies included here in combination with those included in the other sections and watch your money grow.

Read on and reap the financial rewards!
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The two-thirds of Americans who do no estate planning might be shocked to learn that when people die without wills, the probate court takes over and can dominate survivors lives for years. The small amount of time and money you must invest now to dictate what happens when you die is well worth the effort.

Combined with the tips, techniques and action strategies included in the other sections of this report, you can learn how to micro-manage your funds so that your money multiplies itself.

Read on and reap the financial rewards!
READ ARTICLE
Achieving financial security in your retirement years has never been more important. Massive changes in society mean that more people than ever before in human history will live in retirement for longer periods of time. The only solution to the coming retirement crunch is to understand your options, plan carefully to meet your goals and follow through on your plan.

You can learn to micro-manage your funds so that your money multiplies itself. Use the techniques and tips and action strategies included here in combination with those included in the other sections and watch your money grow.

Read on and reap the financial rewards!
READ ARTICLE
Each section of this report contains useful tips, techniques and action strategies that you can implement right away. Combined together, these tips and strategies are designed to help you learn how to micro-manage your funds so that your money multiplies itself.
READ ARTICLE