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Bumpy Road Ahead!

June 28th, 2013 Posted in Business, Finance Tips

Well it looks like it could be a bumpy road ahead. Remember your investments are for the future, if you need the money in less then 5 years it probably should not be in the stock market but something much safer, such as a savings account or insured CD. Jack Bogel presented an excellent speech on 6/26/2002 titled “The Telltale Chart” it can be read at the website Bogel research center under speeches. It helps explain why what is happening now will not matter that much in the future.


Health Care Reform Overview

June 27th, 2013 Posted in Educational Forum

IN EFFECT FROM 2012 (8/01/12 for non-grandfathered plans)
Most plans must cover certain preventive services for women with no copayments, co-insurance, or deductibles – well-woman visits; counseling for interpersonal & domestic violence; screening & counseling for certain sexually transmitted diseases & viruses; pregnancy services; certain contraceptive methods.

Contributions to Flexible Spending Accounts are limited to $2,500 per year.
Medical Devices are taxed 2.3% – exemptions include eye glasses, contact lenses and hearing aids.
Medicare payroll taxes are increased – for income +200k it’s increased by 0.9%.
Employers must provide notice of health insurance exchanges – which begin 1/1/14. Also, they must inform employees of their potential eligibility for federal assistance (due to their income level) if applicable.
10/01/13 to 3/31/14 – open enrollment period for small employers and qualified individuals for health insurance exchange (the “shop for your plan” period).

Health insurance exchanges will start (continue) for individuals and small employers to compare/shop for standardized health packages.
Employers must offer employees minimum essential coverage (if employ 50 or more FT employees) penalty for every FT employee over the first 30.
Premium tax credits – available for people with (larger of) incomes above 100% of federal poverty level or Medicaid eligibility, and below 400% of federal poverty level if not eligible for or offered other coverage.
Most individuals must have insurance (there are some exceptions for those who cannot find affordable insurance and certain religious groups) – or pay a penalty that will increase each year for the first three years.
Medicaid eligibility increases – to 133% of federal poverty level (for non-elderly individuals).
Pre-Existing conditions will no longer be excluded from coverage – premiums will only vary due to age, geography, family size and tobacco use. There will be no annual dollar value limits on amount of coverage for individual.
Medicare Part D enrollees – will have a decrease in their out-of-pocket costs for prescription drugs; additional drug discounts will phase in thru 2020; Medicare share of costs will increase – closing donut hole in 2020.
Health plans must provide first-dollar coverage for preventive services such as annual checkups (applies to non-grandfathered and new plans).
Dependent coverage must continue to be available for eligible dependent children to age 26 (no student requirement).
No more lifetime limits on coverage for essential benefits.

Carol N. Brown, CSA 386-848-0543 CarolNBrown@aol.com  www.carolnbrown.com

Future is ahead of you and it is all yours

June 17th, 2013 Posted in Business, Finance Tips

Well here we are at the half way mark for the year.  Time to look at where you have been and where you are going.  If you have a 401(k) or other retirement plan check to see what might have changed.  Know your investing options.  If you are planning on retiring within the next year or so start now to find out how you can move your pension or your choices if you leave it where it is.  Do not fail to plan for your future.  The future is ahead of you and it is all yours.


Today’s Market

June 17th, 2013 Posted in Business, Finance Tips

In today’s market being attentive to what is happening, is a definite necessity.
Check your reason for buying or selling, do what is right for you do not follow the herd. Think when the market moves is it based on facts or emotions? No one knows what will happen in the future until it happens. A little thought can do a lot of good.


Wire-sculpture 20% off sale

June 7th, 2013 Posted in Crafts


Just thought I’d share this sale I found online…..
I don’t know about you but I use CZs in my bench work settings, kiln work and torch work. They even have heart shaped!


20 off           cubic zirconiaCocktail rings are always popular, and if you know how to make a Prong Ring, you’ll be able to make beautiful rings for your friends and loved ones. Who wouldn’t love to wear a custom-fitted birthstone ring?

And what makes Cubic Zirconias perfect for artists like us, is they’re beautiful & sturdy enough to live a long life on your friend’s hand or chest, but they’re also economical enough that you can buy a handful to practice your prong technique on, before you work on that 4-carat sapphire.

Click here to explore 20% off Swarovskis:

Click to Save on Round Swarovskis Click to Save on Bicone Swarovskis
Round Swarovski Beads
Save 20%!
Bicone Swarovski Beads
Save 20%!
Click to Save                 on Round Swarovskis Click to Save               on Bicone Swarovskis

Whether you’re making birthstone jewelry or just looking to coordinate with your favorite outfit, you’ll love the rainbow of Swarovski®; crystal beads you can choose from. In 4mm, 6mm, and 8mm rounds and bicones, you’re sure to find the perfect accent for your jewelry creations. and at 20%, it’s a great time to stock up – I can’t’ remember the last time Swarovski beads were on sale!

Order this weekend to get your 20% savings on CZs and Swarovskis because the sale ends at 11:59pm MT on Monday, June 10th. The perfect way to prepare for summer shows!

Have a great weekend!

Rose Marion, Wire-Sculpture.com

Quote from Mark Twain

June 5th, 2013 Posted in Business, Finance Tips

“When we remember we are all mad, the mysteries disappear and life stands explained” so as I mentioned last week keep your emotions in check, have a plan and write it down, and it you change it write down why you made the change.


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