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CA Contractors State License Board Increasing Fees as of January 1, 2022

The CA Contractors Board is increasing their fees for most of their applications and renewals. Of note, they are increasing renewal fees for Corporations, LLCs, Partnerships, and Joint Ventures, while Sole Ownerships retain the same renewal fee except for inactive renewals. The renewal fee schedule is listed below: Sole Ownerships Active License – (on or […]

5 Term Life Insurance Mistakes to Avoid

If you’ve followed Dave Ramsey for any amount of time, you know he’s not too big on cash value life insurance. In fact, he hates cash value and always recommends Term Insurance. Below are the 5 Term Life Insurance Mistakes to Avoid 1. Buying Too Little to Replace Income Always buy ten to twelve times […]

Life Insurance – Mortgage Insurance and PMI – What are the Differences and Why Should I Care?

If you’re in the process of buying a house, it won’t be long before mortgage life insurance offers start arriving in the mail. Sold by mortgage lenders and insurance companies, mortgage life insurance (sometimes called Mortgage Protection Insurance) pays off your home loan if you die with a balance. The idea sounds sensible: Your family […]

Get Your California Contractors License Without Having to Take a Test!

Yes, it’s true! You can legally get your Contractor’s License without having to study for and stress about taking and passing the California State Contractors License Board (CSLB) Contractors License Test by working with a Responsible Managing Officer (RMO), a licensed contractor whose experience will waive your exam requirement. Your company will be issued a […]

Covered California Launches the 2022 Open-Enrollment Period For New Health Insurance Plans – Discover What You Need 2 Know!

The article below is from the Covered California website and highlights what you need to know about the 2022 open-enrollment period.  If you would like to connect with our health insurance advisor and review your options, contact Reggie Conley at: 916.712.0401 or [email protected].  Reggie has decades of experience in working with individuals, families, and small […]

The Basics of Additional Insured Endorsements for California Contractors

What is an additional insured endorsement?  To start, an endorsement is an addendum added to an insurance policy that modifies the coverage.  Endorsements may broaden or restrict the coverage provided by an insurance policy.  One example of a policy addendum that broadens the ‘Who Is An Insured’ is an additional insured endorsement. An additional insured is typically […]

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