Bernardini & Donovan Insurance Services

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Get Great Professional Pictures from Michelle Smith Photography!

Are you in need of a great professional picture for your website, business card, or other promotional items for your business?  Please contact our friend at Michelle Smith Photography if you are.  She is incredibly talented and professional.  To see more of her work, visit our website and go to the “about” tab, and on the drop down menu, click on “our team”.  Michelle Smith Photography    909-649-1635    michellesmithphotography.com “Are you Looking for Something Different?†What kind of Executive Portrait do you want?  At Michelle Smith Photography we specialize in making individuals feel comfortable while being photographed for their professional Executive Portrait.  This will reflect who you really are in your expression and will be enhanced for that wow factor. Please contact us if you are ready for an update or just want to have a good time taking your new Executive Portrait.  

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Sheila’s Travel: Making World Travel Simple

As a local business, we partner with other business professionals to offer top notch services to our clients and the community.  In need of a vacation?  A special trip with your spouse?  For any travel arrangements, contact our friend, Sheila Cannon, at Sheila’s Travel. Sheila’s Travel designs romantic vacations for couples, while blending their unique interests and helping them grow closer together through travel.  Sheila does this by creating tailored getaways with fun activities that help them relax and enjoy being in love with one another. A personal note to you, the client:  What sets Sheila apart from other travel consultants is that the vacations she designs help you feel the butterflies again, like you did when you were dating. She guarantees that she can exceed your expectations and ensure that your precious travel dollars and hours are spent as wisely as possible!   Would you like to learn more?

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How to Find the Right Health Insurance for You

Trying to determine how to find the right health insurance for your needs can seem challenging. With so many health insurance options, it is not surprising that it can seem complicated. Fortunately, you can find the right policy with the appropriate tools. List Personal Needs Health insurance is not a policy that fits only one individual. Taking time to list all of the personal or family needs will help narrow down the choices. A family of four will have different needs than an individual or a married couple without children. Take time to write down all of the requirements for coverage. Look at Several Options After determining exactly what you need, it is time to look at the options that meet your needs. Ask your agent to find the best deals and solutions for the whole family. Read carefully through coverage options and look at the quotes to determine if

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What Every Small Business Owner Needs to Know about the Affordable Care Act in 2014

New policies related to healthcare have many small business owners concerned of what is to come in 2014. News reports are tossing around penalty figures of $2000 per person per year. And that is just the start of the penalty scale. Bernardini & Donovan Insurance Services explains what a small business owner needs to know about his or her responsibilities under the Affordable Care Act: Small businesses won’t be penalized. Businesses that employ less than 50 full-time employees will not be held to the employer responsibilities outlined in the Affordable Care Act. However, you can qualify for a tax credit. A small business that pays average yearly wages of less than $50K, has less than 25 full-time employees and offers affordable health insurance could receive incentives in the form of a small business tax credit. Beginning in 2014, this credit could be up to 50 percent and will help offset

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Make the Right Decision About Becoming A Part Of Your Employer’s Health Insurance Program

You’ve finally found the dream job position you always wanted. It will offer a great salary and bonuses throughout your career. As you fill out the employee paperwork, you are asked on whether you want to participate in the employer’s health insurance program. Joining Group Health Insurance Plans Many employers who hire a certain number of employees will offer health insurance programs through the company. There are many benefits on why you should participate in one. While you will have a portion of your wages go into the health plan, your employer will also pay toward the costs. In addition, the insurance is group rated, which means you will have more opportunities of being placed on a good plan. Most employers will give you the opportunity to choose the plan you want. Also, you may be able to place your spouse and your children on the same plan. Make sure

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Switch to Eco-Friendly Products to Improve Your Health

You hate cleaning your home. Every time you take out the chemical cleaners, your skin breaks out in a red rash and your chest wheezes from the fumes. But what else can you do? You refuse to live in a dirty home. Yet you wonder if using these chemicals is affecting your health in a negative manner. Switch to Eco-Friendly Products                                                                                     Toss out the cleaning products that are affecting your health and instead use environmentally-friendly products. Going green with your household products are great ways to clean your house while you are protecting your health. Most of the harsh chemicals in regular cleaning products can cause a variety of health problems such as: Headaches Nausea Skin burns Rashes Respiratory issues In addition, some of the chemicals may cause cancer, or are dangerous if swallowed by small children or pets. Make the switch over to eco-friendly products that will not cause

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