SUNDAY C5 THE FRESNO BEE-SAT PRERUNTHE FRESNO BEE SAT PRERUN 5 C5 Logical Page is THE FRESNO 22:15 THEBOARDROOM APPOINTMENTS PROMOTIONS DONATIONSACHIEVEMENTS Announcements Scott Runtzel is the 2014 Yosemite Gateway Association of Realtors president. He is the of REO Properties, associate broker at Century 21 Ditton Realty Bass Lake and a certified residential appraiser. Arise Solar has two team members who were recognized by SunPower for 2013. Giovane Sanchez was named top sales consultant of Q3, and Alma Escamilla was awarded the MVP honor for being a team player and going above and beyond the call of the expectations. New Location Michael J.
Moffett is a board certified physician in internal medicine, hematology and oncology and has moved to a new location north of Clovis Community Medical Center at 729 N. Medical Center Drive West, Clovis. The telephone number is (559) 299-6600. New Faces Tammy Carter has joined Placer Central Valley escrow team as its certified senior escrow officer and notary home expert. She has been in the escrow industry for more than 30 years and will be working out of the Fresno office specializing in residential and mobile home transactions.
She also will work in the areas as its traveling escrow and marketing officer. Dr. Elizabeth Tully has joined Kaweah Delta Health Care District as a psychiatrist serving adults and children in the Exeter Health Clinic. She has 28 years of experience and serves as medical director of the Exeter biobehavioral program and is one of two associate program directors of Kaweah psychiatry residency program. She earned her medical degree from the University of Turin Medical School in Turin, Italy.
Tammy Carter Dr. Elizabeth Tully SUBMISSIONS Does your company have a new hire, promotion, personnel change or important achievement to announce? The Bee welcomes submissions to this column. Items and submitted photos are used as space is available. Email items to nobee.com. Use PlanItFresno.com to announce an event.
CONSUMERS, HAVE A QUESTION OR COMMENT? CALL BANKRATE.COM SALES DEPARTMENT 888-509-4636 ADVERTIsem*nT THE FRESNO BEE CD DEPOSIT GUIDE Yields Available to Greater Fresno Area Residents Check rates daily at http://fresnobee.interest.com Int Chking Money 3 mo 6 mo 12 mo 18 mo 24 mo 36 mo 60 mo Acct Mkt Acct CD CD CD CD CD CD CD Min Min Min Min Min Min Min Min Min Legend: Rates effective as of and may change without notice. All institutions are FDIC or NCUA insured. Rates may change after the account is opened. means rates are not available or not offered at press time. Yields represent annual percentage yield (APY) paid by participating institutions.
Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Banks, Thrifts and credit unions pay to adver- tise in this guide which is compiled by Bankrate.com®, a publication of Bankrate, Inc. 2014. 92 3788 92 746 3788 http://fresnobee.interest.com Balboa Thrift and Loan 7060 N.
Marks Avenue, Suite 107 NA NA 0.25 0.35 0.75 0.75 0.95 1.11 1.51 866-914-0111 www.balboathrift.com NA NA 10,000 10,000 10,000 10,000 10,000 10,000 10,000 Specials: Call for special rates. GE Capital Retail Bank NA 0.85 0.35 0.65 1.05 1.05 1.15 1.30 2.00 800-869-3813 www.myoptimizerplus.com NA 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 Specials: Use code BRCD; Member FDIC Murphy Bank 5180 N. Palm Avenue, Suite 101 NA NA 0.35 0.45 0.65 0.65 0.75 NA NA 559-225-0225 www.murphybank.com NA NA 10,000 10,000 10,000 10,000 10,000 NA NA Specials: CHOOSE YOUR TERM FROM 3 MONTHS TO 24 MONTHS Scott Runtzel all the plans offered through the exchange. (Bronze-level plans pay of covered medical costs, leaving to the consumer.) The deductibles are $4,500 for an individ- ual and $9,000 for a family. The HSA-eligible plans are offered by Anthem, Blue Shield, Kaiser and Western Health Advantage in various parts of the state, says Covered Larry Hicks.
There are at least two HSA options in each region, he says. So yes, Roger, you can pair an HSA with a Covered California plan. But beware that the Affordable Care Act (ACA!) has changed a few HSA rules for everyone. According to The Tax Institute at Block, the law prohibits using HSA funds to buy nonprescription medications and raises the penalty for using HSA money for nonmedi- cal purposes from to Question: Under Obamacare, it appears that there will be no asset test for Medi-Cal eligibility. Does this mean that my estate be subject to estate recovery program after I die? Answer: For some reason, expansion of Medi-Cal attract the same kind of attention as Covered California.
But a big deal. Medi-Cal, the version of the federal Medicaid program, provides coverage to low-income residents. More than 1 million additional Californians were able to join the program that started Jan. 1. Kim is right.
As part of the expansion, the asset and property limits that have limited eligibility will go away for most new appli- cants. (With some exceptions, of course.) The Estate Recovery Program she mentions is something different. In a nutshell, Medi-Cal pays for medical services for people who have enough money to pay for it themselves. In some cases, the program asks members to pay it back. After they die.
There are limitations on who can be asked. Under the following circ*mstances, the Department of Health Care Services, which administers Medi-Cal, cannot require reimbursem*nt: As long as a spouse is still alive. When Medi-Cal services are provided before the 55th birthday, unless the member is cared for in an institution such as a nursing home. (A hospital is not considered an institution.) If the member is survived by a child under 21, or a child who is blind or has a disability. If the department opts to seek reimbursem*nt after a member dies, it will determine how much is left in that estate.
That could include home. Department may allow a voluntary lien to be placed on the house to ensure payment of its according to a DHCS fact sheet. So under Obamacare, will the Estate Recovery Program go away, like the asset and property limit tests? No. Well, at least not yet. The federal government has told states that it will weigh in on this issue after Jan.
1, says Lisa Gray of DHCS. That means things may change. Or they could stay the same. For now, the program remains. Question: I was laid off awhile ago and though I have found some work as a consultant, it has no benefits.
I have been getting my health care through Cal-COBRA. This will run out next year after the open-enrollment period ends. I am satisfied with this coverage for now, so I want to change it. What happens in this situation? Answer: Yay, another acronym. COBRA (you want to know what it stands for) is a federal law that allows workers and their families who lose their job-based health benefits (under certain circ*mstances, such as getting laid off) to keep them for a limited time.
The catch is that they usually have to pay the entire premium themselves, without the employer contribution. Read: expensive. COBRA is for employers and health plans that cover 20 or more employees. Cal-COBRA is a state law that extends similar benefits to workers at businesses with two to 19 employees. Martha from San Diego and others with COBRA or Cal-COBRA coverage are considered covered under the Obamacare requirement to have health coverage.
So, yes, you can keep it until it runs out. When your coverage ends, that will trigger a special enroll- ment period for you outside of regular open enrollment, which will allow you to sign up for a new plan. Obamacare is a biweekly column answering questions about the Affordable Care Act. Emily Bazar is a reporter with the California Health Care Center for Health Reporting. She can be reached at BAZAR Continued from C1 Compiled by Bee staff COMMERCIAL LEASES Newmark Grubb Pearson Commercial 627 square feet of retail space at 2842 Mariposa St.
in Fresno from Alicia and Esau Meza to Emmaus Religious Articles and Gifts. Jeff Wolpert and Scott Christensen were the agents. 820 square feet of office space at 5100 N. Sixth St. in Fresno from Timothy Field to Blanca Alvarez, LMFT.
Dustin Ilic was the agent. Retail California, a division of Pearson Realty 1,800 square feet of retail space at the Square at Campus Pointe, at Shaw Avenue and Highway 168 in Clovis from Campus Pointe Commercial to Slamwich for a new sandwich concept. Peter Orlando and Rachael Orlando were the agents. DEVELOPMENTS Schuil Associates Inc. 27.62 acres of tree fruit at Avenue 404 and Road 68 in Dinuba.
Mike Schuil represented both seller and buyer. 73.84 acres of tree fruit at Avenue 404 and Road 64 in Dinuba. Rick Schuil represented the seller, and Mike Schuil represented the buyer. 39 acres of open land and home on the west side of Road 148, south of Avenue 288, in Visalia. Doug Phillips represent- ed both the buyer and seller.
76 acres of pistachios and home at southwest corner of Road 176 and Avenue 152 in Porterville. Phillips represented the buyer. 227 acres of almonds at northwest corner of Road 208 and Avenue 104, southeast corner of Road 176 and Avenue 104 in Terra Bella. Phillips represented the buyer, and Arnel Koster represented the seller. 59 acres of kiwifruit at northwest corner of Road 244 and Avenue 112 in Porterville.
Phillips represented both the buyer and seller. 2.39 acres of open land on North Kaweah River Drive in Three Rivers. Scott Schuil represented the seller. 4.36 acres of open land on North Kaweah River Drive in Three Rivers. Scott Schuil represented the seller.
11.45 acres of industrial land with building on Hanford-Ar- mona Road in Hanford. Arnel Koster represented the seller. 1.5 acres of land with an building on Hanford-Armona Road in Hanford. Koster represented the seller. Retail California, a division of Pearson Realty 1 acre of land at the southwest corner of Whites- bridge and Goldenrod avenues in Kerman from Wal Mart Real Estate Business Trust to CFT Developments.
Lewis Smith was the agent. 40,713 square feet of vacant commercial land on Milburn Avenue just south of Herndon Avenue in Fresno. Mike Kennedy and John Lee were the agents. LOCAL BANKS Central San Joaquin Valley bank stocks traded over the counter. Weekly Company Last Chg.
Fresno First 10.40 Premier Valley 5.82 Security First 4.07 Valley Commerce 13.51 5 BEST FUNDS ONE YEAR PERCENT RETURN ---PCT RETURN--- MIN INIT EXP FUNDS TICKER CAT 1WK 1MO 1YR INVEST RATIO LARGE STOCKS Inner Crcl AggValInv dCAMAX LV 2500 1.35 Morgan Stanley FocGrA AMOAX LG 1000 0.96 Morgan Stanley MulCpGrA CPOAX LG 1000 1.32 Morgan Stanley GrI MSEQX LG 0.70 Fidelity OTC FOCPX LG 2500 0.74 MID-SIZE STOCKS Legg Mason OppC LMOPX MV 1000 2.06 Hodges Hodges HDPMX MB 1000 1.35 PRIMECAP Odyssey AggGr POAGX MG 2000 0.64 Westcore Select WTSLX MG 2500 1.09 BlackRock MidCpValC BMGAX MG 1000 1.39 SMALL STOCKS Oberweis MicroCap OBMCX SG 1000 2.00 Morgan Stanley SmCoGrI dMSSGX SG 1.04 Managers MBRSX SG 2000 1.50 Buffalo MicroCap BUFOX SG 2500 1.47 Kinetics SmCpOpt KSCOX SB 2500 1.64 CALIFORNIA MUNICIPAL BONDS Payden CAMuInc PYCRX MF 5000 0.55 Vanguard CAITAdml VCADX MF 50000 0.12 JPMorgan CABdIs JPICX MF 0.49 Schwab CATaxFree SWCAX MF 100 0.49 Shelton CATFInc CFNTX MF 1000 0.71 TARGET DATE American Funds TDR2010A AAATX TA 250 0.38 TIAA-CREF Life2010 TCLEX TA 0.25 Rowe Price Rtmt2010 TRRAX TA 2500 Fidelity Free2010 FFFCX TA 2500 TIAA-CREF LIdx2010I TLTIX TA NA 0.06 SINGLE INDUSTRY FrankTemp-Franklin BioDis A FBDIX SH 1000 1.20 Fidelity Select Biotech FBIOX SH 2500 0.77 Fidelity Advisor BiotechA FBTAX SH 2500 1.14 Fidelity Select HealtCar FSPHX SH 2500 0.77 Waddell Reed Adv SciTechA UNSCX ST 750 1.32 INTERNATIONAL-DIVERSIFIED Oberweis IntlOpp OBIOX FR 1000 1.60 Oppenheimer IntlSmCoA OSMAX FR 1000 1.24 Kinetics Paradigm WWNPX WS 2500 1.64 Oppenheimer GlobOpprA OPGIX WS 1000 1.21 Evermore GlbValI EVGIX WS NA 1.35 INTERNATIONAL-SINGLE REGION Fidelity JapanSmCo FJSCX JS 2500 0.98 DFA ContSmCoI DFCSX ES 0.59 JPMorgan IntreEurI JFEIX ES 0.98 Rowe Price EurStock PRESX ES 2500 0.96 Matthews Asian Japan MJFOX JS 2500 1.07 MARKETS Van Eck GlbLdrs A GBFAX EM 1000 1.56 American Funds NwWrldA NEWFX EM 250 1.06 Ivy PacOppA IPOAX PJ 500 1.73 Eaton Vance AsianSmCA mEVASX PJ 1000 1.94 Driehaus EmMktGr DREGX EM 10000 1.63 CORPORATE BONDS GMO DomBdVI GDBSX CI 0.11 Schwartz AveMariaBndR AVEFX CI 1000 0.70 Advisors Inner Circl TtlRtnBdI FIJEX CI 0.49 Guggenheim InvGrdBdA SIUSX CI 100 1.04 Permanent VersBond PRVBX CS 1000 0.82 GOVERNMENT BONDS Dreyfus ShIntGov DSIGX GS 0.65 2YrGov DFYGX GS 0.28 Wells Fargo ShDurI WSGIX GS 0.42 Goldman Sachs ShDuGovIs GSTGX GS 0.48 Vanguard STsryAdml VFIRX GS 50000 0.10 HIGH-YIELD BONDS Loomis Sayles InsHiIncI LSHIX HY 0.68 Northeast Investors Northeast NTHEX HY 1000 0.93 Federated HiYieldTrSvc FHYTX HY 0.99 Pioneer HiYldA TAHYX HY 1000 1.14 MassMutual PreHgYldZ MPHZX HY NA 0.50 FRIDAY WK PCT. FUND TICKER NAV CHG 4WK 1YR 5YR LOAD Funds of Local Interest American Funds AMCAPA AMCPX 27.08 5.75 BalA ABALX 24.27 5.75 BondA ABNDX 12.42 3.75 CapIncBuA CAIBX 57.93 5.75 CpWldGrIA CWGIX 44.78 5.75 EurPacGrA AEPGX 48.47 5.75 FnInvA ANCFX 51.48 5.75 GrthAmA AGTHX 42.60 5.75 IncAmerA AMECX 20.49 5.75 InvCoAmA AIVSX 36.30 5.75 MutualA AMRMX 34.48 5.75 NewPerspA ANWPX 37.26 5.75 SmCpWldA SMCWX 48.92 5.75 WAMutInvA AWSHX 39.10 5.75 BlackRock GlobAlcA MDLOX 21.22 5.25 GlobAlcC MCLOX 19.66 1.00 DFA EmMktValI DFEVX 26.99 NL Dodge Cox Income DODIX 13.55 NL IntlStk DODFX 42.42 NL Stock DODGX 167.50 NL FPA Cres FPACX 32.75 NL Fidelity Bal FBALX 22.62 NL Contra FCNTX 95.20 NL GrowCo FDGRX 118.74 NL LowPriStk FLPSX 49.34 NL Puritan FPURX 21.12 NL Fidelity Spartan 500IdxAdvtg FUSVX 64.90 NL 500IdxInstl FXSIX 64.90 NL First Eagle GlbA SGENX 53.37 5.00 FrankTemp-Franklin Income FCISX 2.42 1.00 IncomeA FKINX 2.40 4.25 FrankTemp-Templeton GlBondA TPINX 13.11 4.25 Oakmark EqIncI OAKBX 32.44 NL Intl I OAKIX 26.03 NL Oppenheimer DevMktY ODVYX 36.86 NL PIMCO TotRetA PTTAX 10.70 3.75 Schwab SWPPX 28.59 NL Rowe Price BlChpGr TRBCX 63.98 NL CapApprec PRWCX 25.51 NL EqIndex PREIX 49.34 NL EqtyInc PRFDX 32.57 NL GrowStk PRGFX 51.99 NL MidCpGr RPMGX 72.23 NL NewHoriz PRNHX 46.12 NL NewIncome PRCIX 9.31 NL Rtmt2020 TRRBX 20.25 NL Value TRVLX 33.52 NL Vanguard 500Adml VFIAX 168.82 NL 500Inv VFINX 168.82 NL DivGr VDIGX 21.19 NL IntlStkIdxAdm VTIAX 27.59 NL Star VGSTX 23.75 NL TgtRe2015 VTXVX 14.71 NL TgtRe2020 VTWNX 26.95 NL TgtRe2030 VTHRX 27.43 NL TgtRe2035 VTTHX 16.84 NL Tgtet2025 VTTVX 15.65 NL TotBdAdml VBTLX 10.57 NL TotIntl VGTSX 16.50 NL TotStIAdm VTSAX 46.29 NL TotStIdx VTSMX 46.28 NL Welltn VWELX 37.73 NL WndsrII VWNFX 36.49 NL Footnotes: Fee covering market costs is paid from fund assets. Deferred sales charge, or redemption fee. front load (sales charges). Multiple fees are charged, usually a marketing fee and either a sales or redemption fee.
NA not available. previous net asset value. fund split shares during the week. fund paid a distribution during the week. fresnobee.com the fresno bee BUSINESS sunday, january 5, 2014 page C5.