Among a lot of reasons: income-related, cultural, personal status, hardship exemptions, the first ones are very common. The mandate to own health insurance indicates that the ACA ensures that health insurance costs are kept reasonable for American families. But there are still come the cases of two exemptions from the individual mandate penalty based on low income: the first one is a case when a taxpayer’s annual income is low enough to avoid having to pay income tax and the second one is when the lowest-cost health insurance policy you can find costs more than 8 % of your total annual income of the household.
That’s a pretty easy task if you know what question to ask the potential manager. How to distinguish a prospective and skilled money manager from an average one? So, if you wish your money manager to be a great help in your business, start your meeting with him with the following key questions: 1. How will you go about investing my money? 2. How do you usually get paid? 3. Who are your usual clientele? 4. How are you going to add value? Assess the answers in terms of your expectations and probably compare them with your previous manager. Don’t be afraid to interview a couple of managers, it’s always better to have a choice. Remember, if you are paying a money manager, check whether he or she is doing more than you could have done by yourself.