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	<title>Novak and Company</title>
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		<title>TAXES&#8230;NOW OR LATER?</title>
		<link>http://novakandco.com/2011/03/taxes-now-or-later/</link>
		<comments>http://novakandco.com/2011/03/taxes-now-or-later/#comments</comments>
		<pubDate>Wed, 02 Mar 2011 19:12:39 +0000</pubDate>
		<dc:creator>laurie</dc:creator>
				<category><![CDATA[Blog]]></category>

		<guid isPermaLink="false">http://novakandco.com/?p=324</guid>
		<description><![CDATA[If you&#8217;re like me, you have definite feelings when it comes to paying taxes. If you don&#8217;t pay attention to how to handle them, it could cost you plenty! For many many years, financial gurus have advised to defer income taxes as long as possible&#8230;&#8221;Wait to pay them until you retire, since you&#8217;ll be in a [...]]]></description>
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		<title>Health Insurance Premiums On The Rise-Learn You Can Reduce Yours</title>
		<link>http://novakandco.com/2011/02/health-insurance-premiums-on-the-rise-learn-you-can-reduce-yours/</link>
		<comments>http://novakandco.com/2011/02/health-insurance-premiums-on-the-rise-learn-you-can-reduce-yours/#comments</comments>
		<pubDate>Wed, 09 Feb 2011 23:23:24 +0000</pubDate>
		<dc:creator>laurie</dc:creator>
				<category><![CDATA[Blog]]></category>

		<guid isPermaLink="false">http://novakandco.com/?p=291</guid>
		<description><![CDATA[Health insurance premiums are on the rise in California. Why you might ask?   It is certain that part of the reason is due to health care reform (PPACA) that has been enacted beginning in 2010.  In the year 2010 all carriers had to remove life time maximums and add no cost preventative benefits, hence many consumers realized [...]]]></description>
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		<title>Top Ten Reasons To Have Life Insurance-#1-Children</title>
		<link>http://novakandco.com/2010/09/top-ten-reasons-to-have-life-insurance-1-children/</link>
		<comments>http://novakandco.com/2010/09/top-ten-reasons-to-have-life-insurance-1-children/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 18:35:55 +0000</pubDate>
		<dc:creator>laurie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[cheap term life insurance]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[kids]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[reasons]]></category>
		<category><![CDATA[term life insurance]]></category>
		<category><![CDATA[whole life insurance]]></category>

		<guid isPermaLink="false">http://novakandco.com/?p=287</guid>
		<description><![CDATA[This is obviously a major life event and an excellent opportunity to review all of your insurance needs. But the first thing that should jump to mind is term/whole life insurance. If you don&#8217;t have term/whole  life insurance, get some today. If you do, make sure your policy is updated and that you have enough [...]]]></description>
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		<title>Health Plans As Of September 23, 2010 Will Include These Benefits</title>
		<link>http://novakandco.com/2010/09/health-plans-as-of-september-23-2010-will-include-these-benefits/</link>
		<comments>http://novakandco.com/2010/09/health-plans-as-of-september-23-2010-will-include-these-benefits/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 21:32:43 +0000</pubDate>
		<dc:creator>laurie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[cheap health insurance plans]]></category>
		<category><![CDATA[dependent children]]></category>
		<category><![CDATA[group health insurance]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[inexpensive health insurance]]></category>
		<category><![CDATA[invidual health insurance]]></category>
		<category><![CDATA[local inexpensive health insurane]]></category>
		<category><![CDATA[september]]></category>

		<guid isPermaLink="false">http://novakandco.com/?p=281</guid>
		<description><![CDATA[Protecting Patients’ Rights in All Plans All health plans – whether or not they are grandfathered plans – must provide certain benefits to their customers for plan years starting on or after September 23, 2010 including: No lifetime limits on coverage for all plans; No rescissions of coverage when people get sick and have previously [...]]]></description>
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		<title>Health Care Reform- Dependent Children to Age 26: starting September 23, 2010</title>
		<link>http://novakandco.com/2010/08/health-care-reform-dependent-children-to-age-26-starting-september-23-2010/</link>
		<comments>http://novakandco.com/2010/08/health-care-reform-dependent-children-to-age-26-starting-september-23-2010/#comments</comments>
		<pubDate>Thu, 19 Aug 2010 21:48:15 +0000</pubDate>
		<dc:creator>laurie</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[dependent children]]></category>
		<category><![CDATA[group health insurance]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[invidual health insurance]]></category>
		<category><![CDATA[september]]></category>

		<guid isPermaLink="false">http://novakandco.com/?p=277</guid>
		<description><![CDATA[Starting September 23, 2010 all health plans will can cover dependent children up to age 26. The coverage is available to the member’s child regardless of that child’s marital status, financial dependence on the parents, residency, or school enrollment status. About the only circumstances which could result in excluding the young adult dependent is where [...]]]></description>
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		<title>Position you retirement so that your principal and any interest earned is protected in a down cycle of the market</title>
		<link>http://novakandco.com/2010/07/position-you-retirement-so-that-your-principal-and-any-interest-earned-is-protected-in-a-down-cycle-of-the-market/</link>
		<comments>http://novakandco.com/2010/07/position-you-retirement-so-that-your-principal-and-any-interest-earned-is-protected-in-a-down-cycle-of-the-market/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 19:25:33 +0000</pubDate>
		<dc:creator>laurie</dc:creator>
				<category><![CDATA[Blog]]></category>

		<guid isPermaLink="false">http://novakandco.com/?p=262</guid>
		<description><![CDATA[If you’re a self-employed person (independent agent/contractor or business owner with employees), you probably have a tax qualified retirement plan in the form of an IRA, SEP, or something more sophisticated.  If you’re counting on that money to provide a lifetime income stream after your working years are over, there is a way for you [...]]]></description>
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		<title>Welcome</title>
		<link>http://novakandco.com/2010/05/welcome/</link>
		<comments>http://novakandco.com/2010/05/welcome/#comments</comments>
		<pubDate>Mon, 03 May 2010 23:25:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>

		<guid isPermaLink="false">http://novakandco.com/?p=225</guid>
		<description><![CDATA[Thank you for visiting the new website of Novak and Co. Please stay tuned for updated news, blog and insurance related information as we  grow our online presence.]]></description>
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