MONEYMOVESRADIO.COM

ACA Health Reform Update 06/13/2013

Money Moves Radio Show — Tue, 18 Jun 2013 22:15:10 GMT

New revelations are coming out all the time. This was the latest update on 06/13/13.

Dennis sunderman 06/06/2013 Eldercare Planning

Money Moves Radio Show — Tue, 18 Jun 2013 22:08:19 GMT

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We all age. Age with a plan. My guest on 06/06/2013 Dennis Sunderman. Need more info or want to contact Dennis "Denny"?
(800) 451-8037 or www.lblgroup.com dennis@lblgroup.com

ACA: Affordable Care Act. Is it?

Money Moves Radio Show — Tue, 11 Jun 2013 23:38:24 GMT

The ACA will create winners and losers in health reform. How will it affect you? A nice variety of callers demonstrated the point of how there will be winners and losers. No political bull, just some straight answers. Listen if you missed this or just want a great review.

California Health Exchange announces carriers and rates

Money Moves Radio Show — Sat, 25 May 2013 00:13:45 GMT

Today the California Health Exchange announced the carriers that are participating in the IFP (Individual and Family Plan) exchange. Sample rates, Federal poverty limits, who gets a subsidy, who pays more.

Great callers. We will have updates to this information on future shows.

Resources:

phetrick@dcdis.com
www.lowcostcahealth.com
(831) 423-8542

www.coveredca.com (California health exchange website)

Money Moves is sponsored by DCD Financial & Insurance Services
1123 Soquel Ave., Santa Cruz, CA 95062 (831) 423-8542

Please tell them Thank-You if you have learned something to benefit your life from this show.

Donna Rowlison 04/11/13 Journaling and your money

Money Moves Radio Show — Fri, 12 Apr 2013 18:34:50 GMT

Donna Rowlison MFT leads a guided exercise on journaling to enhance your relationship with your money. Part goal setting, part identifying the potential emotional blocks you may have about money. Listen to the show and start a journal of your own.

To reach Donna who practices in Scotts Valley California go to www.donnarowlisonmft.com Donna sees clients for a wide variety of reasons and also offers workshops on a variety of topics including journaling.

12/27/12 Show support documents

Money Moves Radio Show — Thu, 27 Dec 2012 22:09:51 GMT

Tonight we will discuss the US economy 101. What makes up the U.S. economy? What is quantitative easing (QE3 and QE4)? What should we listen for when we hear the debates on the fiscal cliff, hitting the budget ceiling?

http://usabudgetdiscussion.org/wp-content/uploads/2010/03/Federal-Budget-101-Final-061110.pdf
Here is a PDF of the Federal Budget 101 An introduction to the Federal Budget and our Fiscal Challenges.

http://usabudgetdiscussion.org/wp-content/uploads/2010/03/Federal-Budget-Options-Workbook-062510B.pdf
Here is a PDF of the budget options in a workbook format

Robert Netzly on Important End of Year Planning

Money Moves Radio Show — Wed, 19 Dec 2012 20:16:56 GMT

Robert Netzly from Christian Wealth Financial was my guest. In this show we talk about important things to consider for the fiscal cliff tax hikes coming, some end of the year strategies, what should be considered with RMD (Required Minimum Distributions) and much more. We had some interesting callers so listen in.
Robert's contact info is
Christian Wealth Financial (877-658-9473 or robert@christianwm.com

10/04/2012 Debates, Financial Cliffs, Small things that add up

Money Moves Radio Show — Sat, 06 Oct 2012 02:14:55 GMT

Vigil "Wingman" White from DCD Financial and Insurance Services co-host debut. We talked about the first presidential debate and the economics of each candidate. The looming 01/01/13 financial cliff. (Will congress ever put on their big boy and girl clothes and get to work). We also talked about inexpensive supplemental policies that can make a big difference in the event of and accident or cancer.

Other topics...are you smart phone rich and cash poor?
Are you car rich and cash poor?

09/27/2012 Show

Money Moves Radio Show — Sat, 06 Oct 2012 02:02:49 GMT

This show had many guests. All dealt with the topics of sound financial decisions when you remodel a home (for better livability when you age or become disabled), home care, Medicare, Long Term Care, and directions for your end of life care.

Not cheery...but great info!

Religion and finances

Money Moves Radio Show — Fri, 10 Aug 2012 22:15:51 GMT

Olympic Fever

Money Moves Radio Show — Fri, 10 Aug 2012 22:05:11 GMT

Wills, Trusts, and Aging OH MY!

Money Moves Radio Show — Fri, 10 Aug 2012 22:00:40 GMT

Would you give up financial freedom for financial security?

Money Moves Radio Show — Fri, 10 Aug 2012 21:43:02 GMT

Another Failure in the Making..This may be of interest to you!

Money Moves Radio Show — Thu, 09 Aug 2012 21:39:41 GMT

This may be of interest to you..................

Another Failure in the Making

By Greg Scandlen Filed under Health Insurance on August 9, 2012.

From time to time we have chronicled the various failures of the Affordable Care Act (ObamaCare), and they are many.

First was the CLASS Act, which even the administration said could not be implemented. Then there were the federal high-risk pools, and the small business tax credit, and the subsidy for employers offering early retiree coverage, and the CO-OP idea, and the Medical Loss Ratio restrictions.

Even a simple idea like requiring insurance contracts to be written in plain English was doomed to failure.

But now comes what is likely the biggest failure to date — the Health Insurance Exchange idea. (I say biggest failure to date, because the individual mandate, which will be universally ignored, hasn’t come online yet.)

Robert Pear reports in the New York Times that only 13 states have told the Feds they intend to set up exchanges, and completed applications have to be submitted by November 16 of this year!

If a state fails to set up its own exchange in time, the Feds will set one up instead. But Mr. Pear writes that there is absolutely no information available on what the Feds might be doing to make this happen. He writes, “States have done their work in public, but planning for the federal exchanges has been done almost entirely behind closed doors.”

The Feds know the value of good advertising and have “invited advertising agencies to devise an elaborate ‘outreach and education campaign’ to publicize the federal exchanges and their potential benefits for consumers.” But federal officials “have refused even to divulge the ‘request for proposals’ circulated to advertising agencies.”

Even if the Feds are able to set up exchanges in all the states that have refused, they will be in for a rude awakening when they discover the ACA prohibited federal exchanges from offering the same premium subsidies available to state exchanges. There has been a furious debate over this issue on the Health Affairs Blog, between Timothy Jost of Washington and Lee University and Michael Cannon and Jonathan Adler of the Cato Institute. Cannon and Adler clearly have the stronger side of this argument.

But no matter — like everything about the ACA — this idea is poorly conceived, poorly written, and will be poorly implemented. It is another case of throwing Jello on the wall and hoping it will stick. It will not stick.

The idea of online comparison shopping is attractive. In fact, eHealthinsurance.com has been doing it for many years and they provide a wonderful service showing what was available in every zip code. But the Exchanges as envisioned in the ACA have little to do with that.

For some reason Congress decided instead to create a new bureaucracy in each state that would not only provide a marketplace for health insurance options, but define the products, regulate the companies and distribute the subsidies. But why?

Why does each state need its own Exchange? Is the market so very different in North and South Dakota that a single Exchange wouldn’t work for both? The New York City area is a tri-state market, why not have a single exchange for that market?
Why do we need a new regulatory agency? Every state already has a Department of Insurance that is expert at regulating insurance companies. They have on staff attorneys, actuaries, accountants, customer services, and enforcement personnel that are very good at seizing insolvent insurers when needed. Why should all this be replicated in each state? Why not give the existing departments the responsibility for enforcing whatever regulations the politicians develop?
Why create a new state agency to distribute federal subsidies? Whether an individual is eligible for a subsidy is a federal decision, and the IRS is already assigned the responsibility of enforcing the mandate. Why shouldn’t the IRS be distributing the subsidies, especially since these subsidies are based on reported income?
Finally, once you have the regulations and subsidies in place, what added value does a new state agency bring to the shopping for coverage? Are state agencies adept at web site development? What is the expertise here?

But many billions of dollars are being spent on creating these agencies that will end up being at best redundant and more likely clumsy and amateurish. But Congress just seems to love creating new bureaucracies.

Meanwhile, if I were a betting man (and I am), I would put a sizable wager on this proposition: the new health care exchanges will be so poorly organized and managed that very few, if any, insurers will choose to participate after the first year and even fewer citizens will bother to enroll. They will be no more successful than all of the other provisions we’ve looked at in the past.

America is 2026 years old! Are we giving up Financial Freedoms?

Money Moves Radio Show — Thu, 05 Jul 2012 23:33:28 GMT

Tune in tonight from 7-8 PM. The show will feature discussions on who is really in charge of your money, your mortgage, 401K? Just a hint: Follow the money! Whoever is paying has the power. Tonights show is about learning to "follow the money" to the source of the power.

Callers will include Linda Murphy from RPM Mortgage in Santa Cruz who will simplify the cost difference between paying 20% down to get a conventional loan, and FHA (insurance backed loans) that allow for lower down payments.

If you pay for insurance, to pay to replace your home, auto, health, or long-term care....who is really "calling the shots"?

Tune in at AM 1080 or online at www.ksco.com

America is 2026 years old! Are we giving up Financial Freedoms?

Money Moves Radio Show — Thu, 05 Jul 2012 23:33:25 GMT

Supreme Court Ruling: Obamacare is a "good tax".

Money Moves Radio Show — Thu, 05 Jul 2012 23:26:58 GMT

This show was recorded Thursday June 28th, 2012. That morning, the Supreme Court announced it's ruling that Obamacare was constitutional because Congress can tax. If the Individual Mandate was subject to the commerce laws, no, the governement can make you purchase anything. But....the government can levy taxes so, Obamacare's "Individual Mandate" is now a "tax".

So, what does this mean for each of us? Lsten in to this lively discussion. Callers include a physician from Monterey, a caller concerned about elderly care, and other co

All about your credit Score!

Money Moves Radio Show — Fri, 04 May 2012 21:12:48 GMT

Special guest Linda Murphy from RPM Mortage in Santa Cruz provides clarity on...

What goes into your credit score?
What common errors make your score go up or down?
What can I do to improve my credit score?
How do I get my score?

Did you know that a 100 pt difference on your credit score could mean that a $300,000 30 year home lone can cost you over $100,000 in interest over the life of the loan.

Listen to the podcast to learn more. Call Linda Murphy at 831-471-1977 if you have any additional questions. Linda is happy to help!

How to feed your family on $10Billion a day

Money Moves Radio Show — Fri, 04 May 2012 00:31:58 GMT

The national debt generates $10 Billion a day in new interest to pay. How would you like to have that on your credit card statement. This show was a serious look at the National economy on what it would take to pay or bills without generating new debt. Not pay down current debt....but just break even.

****Warning...not for the faint of heart*****
This show aired on 04/21/2012

Financial Literacy. It's importance for financial wellbeing

Money Moves Radio Show — Fri, 04 May 2012 00:17:01 GMT

Listen to the podcast of my show on 04/12/2012