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  In This Issue
 
 
Vacant Home Insurance

Have You Winterized Your Home?

Holiday Safety Tips

Are You Listening?

"DYTAD"

Definition of an Eligible Dependent

Are You a Good Test-Taker? Would You Pass the Eligibility and the Benefits Test?

Speeding Through Fields of Pristine Snow

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News  
Obamacare: Individual Mandate Found Unconstitional!
Market Financial Group
Frank Barbella

U.S. District Judge Henry Hudson in Virginia declared the ‘Individual Mandate’ in President Barack Obama’s landmark health care law unconstitutional. This marks the first major setback to the President’s health care law that aims to expand health insurance to cover millions of uninsured Americans, the healthy and the sick.


MFG Blog/Quick Tips  
Vacant Home Insurance
Market Financial Group
Tim Luperini
Maybe you are a landlord and your tenant has moved out suddenly or you terminated the lease. Maybe you are moving and with today’s market it could be a long time before you are able to sell your old home. Whatever the reason, vacant home insurance can be hard to come by but there are companies that will insure it.

Have You Winterized Your Home?
Market Financial Group
Mary Jo Hasenmiller
What happens if your home stayed unbearably cold even with the heat cranked up. You are just going to wind up with an expensive utility bill. Here are some of the things you need in order to keep costs down and have a warm and cosy home for the winter: A Candle, $5 and a foam insulating kit...

Holiday Safety Tips
Market Financial Group
Mary Jo Hasenmiller
Holiday season is in full swing. As we continue to countdown to the celebrations, we at Market Financial Group feel the need to provide you with tips that will help keep you and your family safe for this joyful and fun-filled time of the year.

Are You Listening?
Market Financial Group
Barb Notte
Did you know listening is the most important communication skill? Sometimes, it can be really hard to do – but...

Personal Insurance  
"DYTAD"
Market Financial Group
Toma Romanenko

Q: What do these letters represent?


Speeding Through Fields of Pristine Snow
Market Financial Group
Angie Neous
If you are all smiles watching the first snow come down as the winter season quickly crept up, while everyone else around you slouch and grouch about it, and if you are a speed enthusiast who loves to run your snow machine out in the freshly fallen snow, while others fret and strut, this one's just for you. Be advised, this is not an oh-so-happy article after all.

Commercial Property & Casualty  
Dodd-Frank Opens Door On Foreign D&O Action
National Underwriter Company
Mark E. Ruquet
The Dodd-Frank Act has reopened the door to U.S. regulatory action against some foreign entities after a recent Supreme Court decision had limited the reach of the U.S. legal system, according to experts.

Where Mold Damage was Expressly Excluded from Coverage
The Fact it Resulted from a Covered Concurrent Cause Did not Bring it Back Within Coverage
ConstructionRisk.com
J. Kent Holland, Esq.
The mold exclusion in a builder’s risk insurance policy was held to be applicable to mold damage that resulted from covered watered damages that resulted when vandals turned on water taps of a new house just after substantial construction had been completed.

Employee Benefits  
Are You a Good Test-Taker? Would You Pass the Eligibility and the Benefits Test?
Market Financial Group
Frank Barbella
If an insured health plan loses grandfathered status, it must now pass the nondiscrimination tests under Code Section 105 (h) for plan years beginning after September 23, 2010.

Definition of an Eligible Dependent
Market Financial Group
Frank Barbella

What is the definition of an eligible dependent for an individual to receive tax free reimbursement under his or her Health Savings Account (HSA)? Has the definition changed under the new health reform laws?


Financial Security  
End of Year Tax Tips for the Generous
Kiplinger
The end of the year usually marks a surge in giving. When it comes to benificence for family, friends or charities, keep in mind the tax rules that will help both you and your lucky recipient.

In The Quest For Growth Don't Overlook Distribution
Conning Research & Consulting, Inc.
In response to the economic turmoil of the past few years, life insurers have strengthened capital, adjusted products, and improved risk management. With those changes, some insurers are considering how to grow their business. As they do so, it is important they don’t forget the key ingredient to successful growth: distribution.