Travel Medical Insurance

Make sure you have travel medical insurance any time you leave this country, your ind/family health insurance here in the US does not cover you 100%.  This plan takes care of everything including life flight all paid for.  And its very cheap.  HTH/GeoBlue  is the best:  http://www.hthtravelinsurance.com/index.cfm?link_id=27499&personalized=y&header=y

Obamacare, the basics

The basics of obamacare are easy.  What you need to know is that all policies will now be guaranteed issue and if you qualify for a subsidy then you can get a cheaper plan in the "exchange".  The ONLY reason to buy a health insurance plan in the "exchange" is if you qualify for a subsidy.  If not, its better for you to own a plan outside of the "exchanges".  Its all based on your Modified Adjusted Gross Income.

Prop 8 and Health Insurance

Benefit Plans may require review and revision immediately. Yesterday, June 26, 2013, the Supreme Court of the United States issued an opinion declaring the Defense of Marriage Act of 1996 (DOMA) unconstitutional. DOMA was previously the federal law that officially defined marriage as a legal union between a man and a woman. Each individual state's definition of marriage will control for both state and federal law. Same-sex couples in the 13 states and the District of Columbia who can legally marry, will be able to file joint federal tax returns like opposite-sex couples in those states. Also, repealing DOMA may cause immediate issues for employee benefit plans, their employer/sponsors, and the participants of those plans. Most affected will be sponsors located in those states that currently legalize same sex marriage. Employee benefit plans should be reviewed and amended to abide by current law as soon as possible.

Consultants at Benecomplink can help you properly review your benefit plans to make sure they comply with the updated laws. If you have questions, please contact Benecomplink at 855-767-5526 or by email at bcl@benecomplink.com. 

Join Us At Money 101 In June - Starting Tonight!

We all have financial dreams, but often, we don't know where or how to start on them. Money 101 is a relaxed, informative workshop and complimentary dinner where you'll learn how to apply financial principles to grow and protect your money. Please choose the location that is most convenient for you and your schedule, and take a moment now to RSVP. We have FIVE great events scheduled this month, including another in LAS VEGAS, and we look forward to seeing you. If you have attended in the past, please come again. Great information is worth hearing a second time. Bring a friend; there is absolutely no cost to you!

MONEY 101 June 2013 Calendar Date City Location Time June 24 Torrance - TONIGHT! Marie Callender's 21211 Hawthorne Blvd., Torrance, CA 90503 Register here: http://goo.gl/fHIIL 6:30pm to 8:30pm June 25 Santa Clarita Salt Creek Grille 24415 Town Center Drive, Valencia, CA 91355 Register here:  http://goo.gl/7xzQy   6:30pm to 8:30pm June 26 San Marcos  Express Lunch The Broken Yolk 101 South Las Posas Rd.,   San Marcos, CA 92078 Register here: http://goo.gl/OFw6i   12pm to 1pm June 26 San Marcos Old Spaghetti Factory 111 N. Twin Oaks Valley Rd., San Marcos, CA 92069 Register here: http://goo.gl/uNTxP 6:30pm to 8:30pm July 2 Las Vegas Claim Jumper 1100 South Fort Apache Road Las Vegas, NV 89117 Register here: http://goo.gl/Qyhvq

It's A Super Summer With Wine, Women & Wealth!

Wine, Women & Wealth is about community, financial health, wealth, and security - and of course, fine wine! We bring women in all walks of life together to commit to having a financially secure life filled with great fun and fabulous friendships. So please join us this month as we continue our journey toward financial freedom - we all know amazing things can happen when women team up! We look forward to seeing you. Feel free to bring a friend and don't forget your business cards! Please RSVP by using the 'Register Here' link for each event.

WINE, WOMEN & WEALTH June/July 2013 Calendar Date City Location Time June 24 Sorrento Valley Hera Hub Hera Hub Sorrento Valley 9710 Scranton Road #160 San Diego, CA  92121  Register here: http://goo.gl/RlRxU 5:30pm to 7:30pm June 24 San Juan Capistrano Insurance Solutions Office 33302 Valle Rd #200 San Juan Capistrano, CA 92675 949-348-2090  Register here: http://goo.gl/EpSEy 6pm to 8pm July 1 Carlsbad Please note the new start time of 6pm! RELM 2917 State St Carlsbad, CA  92008 Register here:  http://goo.gl/DViVs 6pm to 8pm New Start Time! July 2 Bonsall Ascension Bookstore & Cafe 5525 Mission Road, Ste C (Near the Bonsall Post Office) Bonsall, CA 92003 Register here: http://goo.gl/Osni7 7pm to 9pm July 8 Old Town San Diego Hacienda de la Rosas 2754 Calhoun St San Diego, CA 92110 (Located in Fiesta de Reyes Plaza) Register here: http://goo.gl/3azFO 7pm to 9pm July 9 San Marcos Twin Oaks Gallery 757 N Twin Oaks Valley Rd San Marcos, CA 92078 Register here:  http://goo.gl/Nlzol  5:30pm to 7:30pm July 10 Temecula   My Girlfriend's Closet  41493 Margarita Road Suite105B Temecula CA 92591 Register here:  http://goo.gl/FzN3p  7pm to 9pm Please Note The Start Times, As Some Have Changed!

DailyWorth - 7 Reasons We Overspend (and How to Overcome Them)

DailyWorth - 7 Reasons We Overspend (and How to Overcome Them)

Wine Women & Wealth books

As you know we nicknamed Wine Women and Wealth the Oprah book club where you dont have to read the book.  Every location of Wine Women and Wealth uses a different book and each month we go over a chapter. One of the books we use is Jean Chatzy's, The Difference.  You can buy it here.  I highly recommend it.

Life Event Story

Are you worried about providing for your family after you’re gone, outliving your retirement, or the high costs of healthcare for chronic illness?

If you’re like many of my clients, you may have life insurance that hasn’t kept up with how your life has changed. 

One of the books I highly recommend is The Retirement Miracle by Patrick Kelly.  You can buy one here.

It may be time to take a look at your coverage and make sure it is aligned for the life you’re living today.  Let’s talk soon.

Make Time For Money 101 In June!

We all have financial dreams, but often, we don't know where or how to start on them. Money 101 is a relaxed, informative workshop and complimentary dinner where you'll learn how to apply financial principles to grow and protect your money. Please choose the location that is most convenient for you and your schedule, and take a moment now to RSVP. We have FOUR great events scheduled this month, plus another event in LAS VEGAS, and we look forward to seeing you. If you have attended in the past, please come again. Great information is worth hearing a second time. Bring a friend; there is absolutely no cost to you!

MONEY 101 June 2013 Calendar Date City Location Time June 24 Torrance Marie Callender's 21211 Hawthorne Blvd., Torrance, CA 90503 Register here: http://goo.gl/fHIIL 6:30pm to 8:30pm June 25 Santa Clarita Salt Creek Grille 24415 Town Center Drive, Valencia, CA 91355 Register here:  http://goo.gl/7xzQy   6:30pm to 8:30pm June 26 San Marcos  Express Lunch The Broken Yolk 101 South Las Posas Rd.,   San Marcos, CA 92078 Register here: http://goo.gl/OFw6i   12pm to 1pm June 26 San Marcos Old Spaghetti Factory 111 N. Twin Oaks Valley Rd., San Marcos, CA 92069 Register here: http://goo.gl/uNTxP 6:30pm to 8:30pm July 2 Las Vegas Claim Jumper 1100 South Fort Apache Road Las Vegas, NV 89117 Register here: http://goo.gl/Qyhvq   6:30pm to  8:30pm

Sip Into Summer With Wine, Women & Wealth!

Wine, Women & Wealth is about community, financial health, wealth, and security - and of course, fine wine! We bring women in all walks of life together to commit to having a financially secure life filled with great fun and fabulous friendships. So please join us this month as we continue our journey toward financial freedom - we all know amazing things can happen when women team up! We look forward to seeing you. Feel free to bring a friend and don't forget your business cards! Please RSVP by using the 'Register Here' link for each event.

WINE, WOMEN & WEALTH June 2013 Calendar Date City Location Time June 10 Old Town San Diego Hacienda de la Rosas 2754 Calhoun St San Diego, CA 92110 (Located in Fiesta de Reyes Plaza) Register here: http://goo.gl/ExzGW 7pm to 9pm June 11 San Marcos Twin Oaks Gallery 757 N Twin Oaks Valley Rd San Marcos, CA 92078 Register here: http://goo.gl/0SE1Z 5:30pm to 7:30pm June 19 Rancho Bernardo Bernardo Winery 13330 Paseo Del Verano Norte San Diego, CA 92128 Register here: http://goo.gl/nW1eQ 6pm to 8pm June 24 Sorrento Valley Hera Hub Hera Hub Sorrento Valley 9710 Scranton Road #160 San Diego, CA  92121  Register here: http://goo.gl/RlRxU 5:30pm to 7:30pm June 24 San Juan Capistrano Insurance Solutions Office 33302 Valle Rd #200 San Juan Capistrano, CA 92675 949-348-2090  Register here: http://goo.gl/EpSEy 6pm to 8pm

15 PPACA provisions that will take effect in 2014 | LifeHealthPro

15 PPACA provisions that will take effect in 2014 | LifeHealthPro

Join me in June for Money 101!

We all have financial dreams, but often, we don't know where or how to start on them. Money 101 is a relaxed, informative workshop and complimentary dinner where you'll learn how to apply financial principles to grow and protect your money. Please choose the location that is most convenient for you and your schedule, and take a moment now to RSVP. Please RSVP to me at Katherine@FiveRingsFinancial.com.  We have FOUR great events scheduled this month, plus another event in LAS VEGAS, and we look forward to seeing you. If you have attended in the past, please come again. Great information is worth hearing a second time. Bring a friend; there is absolutely no cost to you! Sincerely, Katherine Wichmann Zacharias | Five Rings Financial

MONEY 101 June 2013 Calendar Date City Location Time June 24 Torrance Marie Callender's 21211 Hawthorne Blvd., Torrance, CA 90503 Register here: http://goo.gl/fHIIL 6:30pm to 8:30pm June 25 Santa Clarita Salt Creek Grille 24415 Town Center Drive, Valencia, CA 91355 Register here:  http://goo.gl/7xzQy   6:30pm to 8:30pm June 26 San Marcos  Express Lunch The Broken Yolk 101 South Las Posas Rd.,   San Marcos, CA 92078 Register here: http://goo.gl/OFw6i   12pm to 1pm June 26 San Marcos Old Spaghetti Factory 111 N. Twin Oaks Valley Rd., San Marcos, CA 92069 Register here: http://goo.gl/uNTxP 6:30pm to 8:30pm TBD Las Vegas Information Coming Soon!

Welcome To Summer With Wine, Women & Wealth!

Wine, Women & Wealth is about community, financial health, wealth, and security - and of course, fine wine! We bring women in all walks of life together to commit to having a financially secure life filled with great fun and fabulous friendships. So please join us this month as we continue our journey toward financial freedom - we all know amazing things can happen when women team up! We look forward to seeing you. Feel free to bring a friend and don't forget your business cards! Please RSVP by using the 'Register Here' link for each event. Sincerely, Katherine Wichmann Zacharias | Five Rings Financial - The Arand Agency

WINE, WOMEN & WEALTH May/June 2013 Calendar Date City Location Time June 3 Carlsbad RELM 2917 State St Carlsbad, CA  92008 Register here: http://goo.gl/goLKB 7pm to 9pm June 4 Bonsall Ascension Bookstore & Cafe 5525 Mission Road, Ste C (Near the Bonsall Post Office) Bonsall, CA 92003 Register here: http://goo.gl/6ds3f 7pm to 9pm June 5 Temecula My Girlfriend's Closet  41493 Margarita Road, Suite105B Temecula, CA 92591 Register here: http://goo.gl/6gXlN 7pm to 9pm June 10 Old Town San Diego Hacienda de la Rosas 2754 Calhoun St San Diego, CA 92110 (Located in Fiesta de Reyes Plaza) Register here: http://goo.gl/ExzGW 7pm to 9pm June 11 San Marcos Twin Oaks Gallery 757 N Twin Oaks Valley Rd San Marcos, CA 92078 Register here: http://goo.gl/0SE1Z 5:30pm to 7:30pm June 19 Rancho Bernardo Bernardo Winery 13330 Paseo Del Verano Norte San Diego, CA 92128 Register here: http://goo.gl/nW1eQ 6pm to 8pm June 24 Sorrento Valley Hera Hub Hera Hub Sorrento Valley 9710 Scranton Road #160 San Diego, CA  92121  Register here: http://goo.gl/RlRxU 5:30pm to 7:30pm June 24 San Juan Capistrano Insurance Solutions Office 33302 Valle Rd #200 San Juan Capistrano, CA 92675 949-348-2090  Register here: http://goo.gl/EpSEy 6pm to 8pm Please Note The Start Times, As Some Have Changed!