Health Insurance In California: Will Healthcare Reform Affect You?

It’s estimated that 4 million Californians will get access to healthcare with the changes initiated by the Patient Protection & Affordable Care Act. You can use your annual income to see whether you’ll be qualified for assistance. If you make between $14,403 and $41,000 a year, or your combined annual family income is under $73,240, you will be eligible to get Health Insurance Plans in California through the exchange and you can use subsidies to make it more affordable. If you don’t have children and your annual income is below $14,403, or you are a parent and your annual income for a family of three is under $24,360, you will be eligible for Medi-Cal. Healthcare reform expands this public program to increase financial assistance to people with incomes in the low to middle range What Does Healthcare Reform Do For Children?Healthcare reform will extend coverage to more children by increasing help to families, but it also allows parents to cover their children under their California health insurance for several more years. As of September 2010, children can be protected by their parent’s coverage until they become 26.In addition, healthcare reform specifically ends exclusions on pre-existing health problems. If you are one of the millions of children with a problem like asthma who have been barred from medical care for years, you’ll have access to much-needed care. Does Healthcare Reform Affect Seniors?If you are at least 65, you will continue to get Medicare, and healthcare reform extends the viability of Medicare. For seniors in the infamous Medicare “doughnut hole,” which means Medicare does not pay for your prescriptions, healthcare reform cuts your out-of-pocket costs for prescription drugs with a $250 rebate check in 2010. Ultimately, reform is designed to completely remove the Medicare gap in coverage for prescriptions by 2020. In September 2010, healthcare reform ends the charging for recommended preventive services so seniors can receive an annual wellness check-up for free. This can help catch health problems early when they are most treatable and reversible, and give seniors peace of mind.What Does Healthcare Reform Mean To Legal U.S. Residents?If you have been a legal, permanent U.S. residents for less than five years, you will be able to buy insurance through the exchange in 2014 and take advantage of subsidies to make it more affordable. If you have been a legal, permanent resident for more than five years, you may be eligible for Medi-Cal in 2014. Undocumented immigrants will not be able to participate in the exchange or Medi-Cal, but healthcare reform does not block them from receiving care at health centers, hospitals or local community clinics when they need emergency medical help. When Will You Be Able To Get California Health Insurance?Whether you need family or individual coverage, the exchange is mandated to be available in 2014. California may expand the Medi-Cal program (Medicaid) before 2014. If it expands Medi-Cal to all residents with an annual income below $14,403 (that’s 133 percent of the federal poverty level) before 2014, the federal government may help California cover the cost. When Will You Need To Have Health Insurance In California?If you are a U.S. citizens or a legal resident (with a few exceptions), you will need minimal essential coverage for yourself and your dependents in 2014. You can be covered through employers, individual plans, the exchange or Medi-Cal. American Indians, people who prove financial hardship or religious objections, those in prison and undocumented immigrants do not have to purchase health insurance. All others will have to pay a tax penalty of $95 in 2014 if you decide not get health insurance. If you are still not covered with a health plan in 2016, that penalty will have grown to $695. It’s estimated that 8.2 million are now without coverage in California. Healthcare reform is expected to extend coverage to an estimated 4 million. What about the other 4.2 million people? They are believed to be mostly undocumented immigrants who will not participate in the extended coverage.

Online Automotive and Diesel Training Opportunities and Programs

Training for a career in the automotive and diesel world can be done by completing online training. Not all requirements can be completed through online schools and colleges, but most coursework can be done from the comfort of your own home. You can enroll in an accredited educational training program to gain the skills you need to pursue a successful career in this exciting field. Accredited online career preparation is available in a number of specialized areas of study, and you can obtain various levels of certificates and degrees.Auto MechanicWhen looking to become an automotive mechanic you can gain the knowledge needed by enrolling in an accredited online learning program. Career training in this area of the field can be done at the certificate or associate degree level. You can prepare by completing coursework like:
auto electronics
suspension
engine reconditioning
brakes
…and much more. With an accredited online education you can prepare to work in automotive dealerships, repair shops, manufacturing companies, and other professions in this field. Online automotive mechanic courses give you the knowledge needed to pursue the career you long for.Diesel MechanicYou can prepare for a career as a diesel mechanic by enrolling in and completing a study program online. Training can be completed at the diploma or associate degree level through accredited online studies. You will have the chance to obtain a number of skills by completing coursework like:
welding
computerized testing equipment
electrical and engine testing equipment
…and much more. Training in these areas will allow you to seek employment as an automotive service technician or diesel mechanic. Online diesel mechanics school will give you the means to pursue the career you desire.Motorcycle MechanicTraining for an accredited online education in motorcycle mechanics will give you the skills you need to have a successful career in this exciting field. You can pursue a career as a motorcycle mechanic by completing a degree or certificate program through an online school or college. Training will allow you to study subjects such as:
power transfer systems
gasoline engines
hydraulics
electrical systems
…and many other related courses. Training will allow you to step into the career of your dreams. With an accredited degree or certificate you can become a motorcycle technician, service manager, parts salesman, and many other professions.Obtaining an accredited online education in automotive and diesel will give you the knowledge and skills you need to succeed. Accredited training programs are available to provide you with the best quality education available to you. Fully accredited online schools and colleges are accredited by agencies like the National Institute for Automotive Service Excellence ( http://www.ase.com/ ). Full accreditation is provided to educational training programs that meet certain criteria and show that they can give students the quality education and training they deserve. You can start the path to a new career by researching programs and requesting information from the online program that fits your needs and goals.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.

Mortgage Loans – 4 Different Types of Mortgage Loans to Choose From

We know that there are different types of mortgage loans, however, when you are at the point of buying a home, you need to know what type of mortgage is best for you.The loan offers available from mortgage companies today are extensive and varied. However, despite the multitude of different brand names on the market, we can readily distinguish between four basic types of mortgage loans:(a) Fixed Rate Mortgage Loan – In this type of loan, the interest rate remains unchanged throughout the life of the loan, i.e., the tax payable on the loan is kept constant. This gives prospective home owners some level of confidence that if interest rates go up, their loan will not be affected.On the other hand, one obvious drawback of this type of loan is that, if interest rates fall, they may not benefit from it.Another feature of such loans is that they usually have a set term (usually 12 to 15 years) and the early termination fee is higher. It is important to remember this fact if you plan to use part of the future savings to reduce the loan amount or period.(b) Variable Rate Mortgage Loan: This is a loan type in which for the first year (or for the first period), the interest rate is agreed. For the remaining years, it keeps on changing according to the reference rate agreed in the contract, adding a spread that varies depending on the conditions set out in the terms of the agreement.The main advantage of this type of loan is that you benefit from the interest rate cuts.This type of loan is characterized by a longer maturity period which can be as long as 25 to 30 years, and the deferred sales charge is usually lower than is the case with fixed interest rates.(c) Joint Interest Mortgage Loan: Here, the interest rate remains fixed for two, three or more years combined, and this is followed by another period in which it is variable and is adjusted according to the prevailing conditions in the market.This mortgage plan combines both the merits and demerits of fixed and variable loans. Under this plan, the repayment terms and the early termination fees are usually similar to that of the variable rate mortgage loan.(d) Flat Fee Mortgage Loan: As the name implies, it is a loan type characterized by a flat rate. It closely resembles the fixed-rate loans considering the fact that the customer always pays the same rate regardless of changing interest rates.The one major difference is that if rates do go up, instead of the borrower paying more fees, the repayment period is extended; and if the interest rates fall, the repayment period is shortened.The main disadvantage of this loan type is the level of uncertainty associated with it, as the actual term of the loan is unknown. However, its chief advantage is that you are pretty much guaranteed that the fee will not change during the lifetime of the transaction.
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