Friday, 27 May 2016

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If you’ve decided you want life insurance for a certain length of time, consider term life insurance. Most people get term life insurance that expires at retirement. At this time in your life, the need for life insurance is lessened. Plus, premiums can get very expensive once you reach senior citizen status. If you always want to have the security of life insurance, consider whole life.
Go with a company that is transparent and makes you feel comfortable. Struggling with a company before the policy begins means there will likely be struggles when trying to redeem the policy. Remember, the goal of life insurance is so your loved ones don’t need to worry about money upon your death. Do what you can to make sure the redemption process is simp
Consider your premium carefully. If it’s too high, you may resent the coverage and allow it to lapse right before the insurance is needed. Readjust your policy as necessary. Alternatively, keep up-to-date with changes the life insurance company makes. Make sure the plan you bought remains enticing, even as things change.
From a cost perspective, going through this marketplace is a double-edged sword. Because the government sets minimum standards for what’s covered under these plans, their sticker price is sometimes higher than plans sold outside the exchange. However, some consumers can get income-based tax credits if they use the marketplace. For that reason alone, it’s worth checking them out when you go looking for a policy.
To obtain a subsidy as an individual, you have to be a citizen or legal resident of the U.S. and earn less than 400% of the federal poverty level. Currently, that amounts to $47,520 or less per year for an individual and below $97,200 for a family of four. Once you go on the exchange website, you’ll be asked for your income and family size to determine your eligibility.

In its quest to increase the number of insured, the ACA created a minimum eligibility for Medicaid, the joint federal and state health care program for low-income residents. Now that threshold must be at least 133% of the federal poverty level. That’s $15,800 a year for an individual and $32,319 for a family of four. If you’re historically in the middle class but your income has dropped recently – for example, you went part-time at work because you’re taking classes – you might just qualify. You’re chances are even higher if you live in a state that’s raised the income cut-off above the federal requirements
Fortunately, determining your eligibility for Medicaid doesn’t require any extra work. The same application that you fill out to see if you can get a tax credit will tell you whether you’re
Given the punishment witnessed by the energy sector over the past year, you don't have to look far to find a stock that's trading significantly below its 52-week high. And this is even as oil prices have begun to stage a rally. One of the winners last week was Chesapeake Energy Corporation (CHK), which has seen monumental gains of 151% just in the past month. But can
CHK shares closed Friday at $4.91, up 2.5%, translating to a 4.47% rise from the prior week's close of $4.70. And the increase could have been even stronger. On Friday, CHK shares rose to a weekly high of $5.30, amounting to an almost 13% gain. But even with last week's surge and the 151% one-month gains, CHK shares are still down more than 65% over the past 12 months, compared to a 2.12% decline in S&P 500 (SPX) index. What's an investor to do? Take profits now or ride this volatile wave and see where the CHK stock goes? (See also: The Biggest Risks of Investing in Chesapeake Energy Stock.)
The prices, which surpassed $40 per barrel after fears of $25 a barrel or lower, have fueled the rally in CHK. On Friday, the price of Brent crude closed at $41.20 per barrel, according to CNBC. And investors have now begun to speculate about high-yield credit spreads, which had

turned negative before the start of the year. But can it continue?
In the case of Chesapeake, whose survival depends on exploration and production of oil and gas, investors would be better served to understand at what price level oil must be for the Oklahoma-based company to operate profitably. While the company has done a solid job of slashing its capital expense budgets to offset lower oil prices, Chesapeake still has a heavy net debt load of around $10 billion. (See also: Chesapeake's Suspends Dividend: A Warning
In the last twelve months, Chesapeake's earnings per share and net income have declined 34% and 15%, respectively. And with its levered free cash flow​ coming in at a negative $2 billion in the past twelve months, can Chesapeake survive long enough to see oil prices back at around