What You Need To Know About Healthcare Open Enrollment For 2018 Obamacare

It may be open enrollment season for many of you at work, but for millions of Americans it will be the official open enrollment for Obamacare started Wednesday, November 1st. Amidst all the adjustment surrounding federal subsidies, there is a plethora of information to digest for those of you who are considering the federal marketplace for your health insurance. Sometimes, it may feel like you need an engineering degree to choose your health insurance. Here are my five-smart money moves Q & A to help you get an initial start to understanding the open enrollment period beginning this week. Question 1: When does open enrollment start/end and how many people are expected to sign up this year? Starts November 1, 2017 and ends December 15, 2017 You must apply by December 15th if you want your coverage to begin January 1st. There are no other enrollment periods unless you qualify for a special enrollment for life events such as marriage, divorce, birth of ...

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How Can A Ganjapreneur Get Life Insurance?

So, what the heck is a ‘ganjapreneur’ anyway?   If you have nothing great to do for a few hours and want to laugh out loud in a real way besides what you write on a text message, take a gander here http://www.ganjapreneur.com/marijuana-slang/ where you can see just about any marijuana slang you could ever imagine.  Ganja, is classically defined as another widely-accepted name for cannabis. The term ganja is often attributed to Rastafarian culture, but it is in fact the Hindi word for hemp, introduced to Jamaica by Indian indentured servants. Lately, its usage in western society has become incredibly mainstream and, in some cases, grossly over-commercialized.  Thus, the ever increasing ganjapreneur are those that start business in, on, or around the substance known as marijuana. As somebody who deals in life insurance, your first instinct is to tell yourself that nobody who smokes marijuana or even remotely puts it in his or her body is ever going to have ...

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Five Financial To Do’s During Open Enrollment Season

Fall signals the changing of the leaves, football Sundays, and Halloween.  It is also the time of year where many of the companies in Atlanta offer open enrollment for your benefits.  With the complication of benefits packages, it is more important than ever that you learn how to make smart money decisions during your two weeks of open enrollment.  Here are my five smart money moves to look at when your benefits season comes this fall.  Don’t wait until the last minute to check your options!! Your Health Insurance Plan Is Sure To Change– Insurance companies today hardly ever let a company renew its old health insurance plan.  This means that you’ll likely get a new set of plans to sift through during open enrollment.  If you and your partner both have company benefits make sure to weigh the pros and cons of each of your health insurance plans.  Did the deductible change?  Did the coinsurance change? Will you have ...

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The Colleges With The Best Return On Investment

When we manage money for people we get asked this question all the time.  The investor who gives you $100,000 to manage typically wants to know in advance what you think the expected return on investment is with their cash and over what time frame.  Typically, most investors want to know how long it will take you to double their money.   With today’s student debt approaching almost $30,000 (source: Forbes), should we be choosing and ranking school by return on investment? Payscale, a company who diligently tracks salaries in the United States, recently came out with its 2014 report on collegiate return on investment.   You’ll note some of the best schools in the country are at the top supporting my theory about paying only for the elite colleges and universities in the United States.  However, the most amazing part of the study is that clearly engineering and technology driven schools blow away the rest of the field. Harvey Mudd College ...

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Are The Elite Private Colleges Worth The Price Of Admission?

It is apparent that college education costs and health insurance are the two arenas that have defied gravity over the past six years through this recovery. With college tuition escalating at a much faster rate than normal information and continued pressing coming on family savings, the average household today may wonder if getting a diploma from an expensive prestigious private college is worth the ticket of admission. If your son or daughter is lucky enough to have the qualifications to get into the ultra-elite schools (such as Harvard), then my answer is yes. There is a short list of impressive schools that have a strong alumni base stretched out across the United States or have the really high end credentials necessary to help a student make a major impact with their career in the short term. There are many very good private colleges that cost $50,000 to $60,000 a year beyond the short list of these prestigious school, and these ...

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