B2 —Wednesday, January 27, 2016
Sonora, California
THE UN' DEMO CRAT
Business Last Trade 16 167.23
DowJones Ameriprise Ajyle
a Bank of America Big 5 Big Lots Chevron Cisco Systems Comcast
cvs
Ford Harley-Davidson
Previous Week 16 516.22
52-Week Range 15 370.30 - 18 351.40
L ast
Prev i o u s 52 - W e ek
P/E
DIV
9 2.36 9 9.99 3 5.40 1 2.94 8.52 3 3.78 6 9.58 2 2.47 5 0.00 8 1.37 1 0.44 3 8.14
92. 5 4 96. 6 6 34. 5 1 14. 2 4 11. 1 9 35. 8 8 81. 5 1 23. 8 5 54. 2 5 95. 0 6 11. 9 5 40. 6 6
10.62 10.84 37.22 10.16 18.22 13.61 18.26 12.62 17.20 21.22 10.26 10.31
2.68 2.08 1.92 0.20 0.40 0.76 4.28 0.84 1.00 1.70 0.60 1.24
89. 00-1 38. 26 92.00-134.54 30. 97-36. 45 12.94-18.48 8.52-15.47 33. 78-51. 11 69.58-112.93 22. 47-30. 31 50. 00-64. 99 81.37-113.65 10.44-16.74 38. 14-65. 28
NASQAQ Hewlett Packard Intel Jack in the Box Kohl's Lowe's McDonald's Oak Valley Pet Smart PGstE Rite Aid Safeway Sears
Last Trade 4 567.67
Previous Week 4 476.95
52-Week Range 4 292.14 - 5 231.94
Last
Previous
5 2 - W eek
P/E
DIV
9.64 29.94 76.06 48.59 70.00 120.43 9.50 82.98 52.14 7.78 35.10 16.85
9.76 29.80 72.43 46.38 69.46 117.50 9.45 N/A 52.98 7.64 35.10 16.84
9.24-17.65 24.87 -35.59 63.94-99.99 41.86-79.60 64.22-78.13 87. 50-121. 90 8.99-11.75 N/A 47.33-60.21 5.88-9.47 N/A 1 6. 27-46. 23
3.89 12.85 26.68 12.91 22.21 26.08 12.72 N/A 28.79 4.14 N/A N/A
0.50 0.96 1.20 1.80 1.12 3.56 0.22 0.78 1.82 0.00 0.92 N/A
Last 86. 50 Tesoro 69.69 TJMaxx The Walt Disney Co. 96.27 Tractor Supply 8 5.69 39.02 USBancorp 13.90 Umpqua 67.71 Valero Wal-Mart 64.00 Waste Management 52.29 48.26 Wells Fargo 41.98 Westamerica 69.87 yum
Familyg Qfi (e Save 15 percent on your car insurance in 15 minutes? That's what Geico claims in its television ads. And if you go to the Geico website as a new customer and meet
certain criteria, you may qualify for lower premiums in as little as 15 minutes. But it's a mistake to stop shopping after you get your quote from Geico. The insurer with the best rate for you could have the highest rates for someone else. Better to carve out about an hour to contact several companies and see how much you can save. When Robert Hunter was Texas insurance commissioner, he asked 25 consumers to come to his office with their policies, make some calls and report back in one hour. "The average savings was about $125 per year," says Hunter, who is now director of insurance for the Consumer Federation of America. Many insurers now use personal consumer
data to measure how likely you are to compare
FINES
Penalties are the health care law's nudge to get healthy people Continued from Page Bl into the insurance pool, helping keep premiums manageablefor the law's exemptions. That's more everyone. than double the corresponding figUntil now the administration ure of $325 for 2015. has mainly stressed the benefits: In practice, the fines will be subsidized premiums and protechigher for m any c onsumers. tion f'rom the costs of unanticipatThat's because the law sets the ed injury or serious illness. But penaltyas the greater of$695 or with concerns that many young 2.5percentoftaxableincome this and healthy people still aren' t year. A study by the nonpartisan sold, officials are invoking the Kaiser Family Foundation esti- threat of penalties. "The tax penalty is bringing mates the average 2016 penalty at $969 per uninsured household. more youngand healthy consumFines are collected through the ers into the market,"Andy Slavitt, tax returns of uninsured people head of the Centers for Medicare and in most cases deducted from and Medicaid Services, said in their tax refunds. The penalty a recent speech. "We are using a amounts will be increased by large portion of our marketing a cost-of-living factor in future resources to make sure that conyears. sumers areaware of the increas-
of those who re-shopped their car insurance
in the past year said their insurer offered them a lower rate. You can also get help from an independent agent who works with a number of companies and knows the sweet spots (go to www.trustedchoice. corn).You'llgenerallyneed tocontact Allstate, State Farm and USAA separately. You can also compare rates from several insurers at InsuranceQuotes.corn or Insurance. corn. Kimberly I ank ford is a contributing
5 2 - W eek
P/E
DIV
89.60 68.14 93.97 83.46 39.13 14.01 66.54 62.56 52.62 48.21 42.05 68.77
78.84-119.67 63. 53-76. 93 90.00-122.08 75. 00-96. 28 37. 97-46. 26 13.46-18.92 51.1 0-73. 88 56. 30-88. 23 45.86-55.93 46.88-58.77 40. 52-52. 40 66. 35-95. 90
6.70 21.22 19.65 28.63 12.35 14.62 7.12 13.70 22.41 11.63 18.26 33.68
2.00 0.84 1.42 0.80 1.02 0.64 2.40 1.96 1.54 1.50 1.56 1.84
to your clients each and every day." In the past six of 10 years, Edward Jones has ranked the highest in the J.D. Power U.S. Full-Service Investor Satisfaction Study and has ranked highest seven times in a row in the J.D. Power U.S. Financial Advisor Satisfaction Study. "The results Edward Jones has achieved in the J.D. Power studies — and more broadly in terms of client service excellence — don't just happen by accident. So we speak from experience when we say that the consistent excellence achieved by Edward Jones over the past decade is extremely rare for any company in any industry," said O' Neill.
Continued from Page Bl
topics, visit Kiplingercom.
around $1,200 a year. But the coverage comes with deductibles of several thousand dollars. If she got seriously ill, she would be on the hook for that before her insurance started paying. Normally,she just goes to the doctor for allergy prescriptions. "I still see it as I am keeping $500 in my pocket," said Loucks. The $500 is the difference between a full year of premiums and fineforbeing uninsured,and that calculation might work if she stays healthy. In her 30s, Loucks is holding down two jobs as she tries to find a career that aligns with her interest in literature. She's still dealing with student loans, not to mention rent and car payments. "I don't see the benefit for me," she said.
ville, says the way she figures it, she might still come out ahead financially by paying a $695 fine. The insurance plans she' s looked at would cost her about $100 a month in premiums, after subsidies. That works out to
Previous
RETIREMENT
editor to Kipli nger 8 Personal Finance magazine. Send your questions and comments to moneypou/er@kiplingercom. And for more on this and similar money
Tennessee, a small city near Nash-
52-Week Range 1 812.29 - 2 134.72
Continued from Page Bl
highest complaint ratio. Call the remaining fourtogetquotesforidenticalcoverage. If you find a better rate, let your insurer know before switching. It may offer to beat the quote, especially if you' re a longtime customer. In our Kiplinger reader poll, 63 percent
ing fee for people that go without insurance." Slavitt's agency oversees the health care law. The pressure of rising fines is butting up against the economic situations of uninsured people, nearly half of whom said in a recent Kaiser poll that they' ve tried but coverageisstilltoo expensive. A big sore point has to do with high deductibles for many healthlaw insurance plans, which can leave consumers with thousands of dollars in medical bills. Christina Loucks, of Franklin,
Previous Week 1 881.33
AWARD
ow to re-s o our car insurance prices and how much of a price hike you'll likely accept without switching insurers — a practice called price optimization. If you' ve changed insurers or even complained to yoursabout your rate,companies may charge you less than a nonshopper. Fifteen states plus the District of Columbia recently banned price optimization as unfair becauseitbases rates on criteria other than the risk that you will have a claim. But even in those states, shopping can still save you money. Hunter recommends starting with your state insurance department's buyer' s guide (go to www.naic.org for links), which shows sample prices for all auto insurers licensed in the state. Pick the six insurers with thelowestratesfortheexample closesttoyour situation. Then go to www.naic.org/cis to check complaint statistics. (Type in the name of the insurer and choose "property/casualty." Click on the name of the company, then on "closed complaints" and finally on "closed complaint ratio report.") Drop the two insurers with the
Last Trade 1 903.63
SaP
other 30 years, youH need a return of 7.31 percent a year. Another way to evaluate the value of a lump sum is to figure out how much it would cost on the open market to buy an annuity that would provide the same lifetime payout you'd get from your pension. Low interestrates have depressed payouts from immediate annuities. Your company payout is likely to be higher because your employer is on the hook for the promised dollar amount, no matter how much it costs
to make good on that obligation. A fee-only financial planner, or a website such as www. immediateannuities.corn, will help you run the numbers. It's also difficult to put a value on the peace of mind that comes from having a guaranteed paycheck for life. When Paula Lampley's husband died last year, she had to choose between taking his pension from Harley-Davidson as a lump sum or a lifetime payout. Lampley, 55, of Milwaukee, decided in favor of the lifetime payout, which has helped her fulfill a lifelong dream of starting an early childhood development center.
Ambassador Spotlight — Jeanne Shenefelt
«at~a
The newly appointed chairperson of the Tuolumne County ChamberAmbassadors isJeanne Shenefelt.Shehasbeen an active volunteer Ambassador for the past i2 years. She began as a representative to Christmas Partners, a non-profit organization that worked all year to provide Christmas Toys to the children of Tuolumne County, under the umbrella of ATCAA. When Christmas Partners dissolved, Jeanne remainedwith theChamber asan independent non-business member. She is now retired from the California State Dept. of Social Service, and holds a Psych Technician License, Paralegal Certificate and Real Estate license. Prior to moving to Sonora, she lived in Santa Clara where she was active in the community with a city appointment to the Cultural Advisory Commission and the Mission City Fund Board.
f ©lu«mffiafe C~ <of u~ Tu~ 'ee' t
•
222 S .
e
~ re e'e
S H EPHERD STREET~ SQNQRA
532
4 2 1 2 • w w w.tcchamber.corn
yom<IINIIIII oa,
IIi 2012, Jeanne attended the Tuolumne County Leadership Program and participated in a successful community project to promote Dairy Product donations to the Food Bank. She isnow VP//Secretary tothe PhoenixLakePark Homeowners Association, is active in Sierra Foothills Women's Club, and many other women's organizations.
Nobody
Beats Our Prices— Guaranteed
S~
re s t
From both Jeanne and Teri Brockmire: we' ll see you all at the next mixer and don't forget:
Mattresses At Huge Savings Futons • Day Beds • Bunk Beds Head 8 Foot Boards • Rollaway Beds
THE JUNcTIoN SHoPPING CENTER Forty merchantsserving the needs of the Mother Lode communities. =
FAMthy OwNHy Amy Ol Kttttrny SlNcs 1979 No INTEREST FINANCING FOR 1 YEAR
I
9 I ' I
I
SIE R R A
'~ II
~cglc=.
Uu.
®
•
•
•
Parts cdService including Tires and Wheels Full SerViCe BOdy ShOP inCluding Sf7eedliner bedlinerS
••g•
Thank YOu tO Our 2O1 O
o C A S • ttc t
'
•
•
TI SOrS
We want to take this wonderful opportunity to recognize each of our gracious Gold Champion Ri Bronze Premier Sponsorsformaking2oi5 ahugesuccessand to shoutitfrom the rooftops with a heartfelt thank you! Our Gold Bi Bronze Sponsors for 2oi5 each deserve resounding recognition and appreci ationfrom theTuolumne County Chamber of Commerce. Thank you foryourtrust,confi dence,and support! GOLD CHAMPION SPONSORS • Blue
M otors
Nobody Sells New Chevrolets For Less... NOBODY!
~
PEettty of Pnirk'txtg Htghwsty IOS stt Tttohttame Rostd
I' •
I
uGet involved in your County Chamber and make a differencel"
'
RESoRT'tv,
•
Mo ppp h/INelBIS
Your One StopGM Location ServingThe Mother Lode! Visit us at... INININ.SierramOtOrS.net
tryryr.blackoakcifsinacom Toll Free i-677-747-67tr/y = 19400 TuolumneRoad North,Tuolumne, CA 95379
I8475 5th Ave. Jamestown • I -800-8 I5-2 I94
ust he to gatsble.Gambling o probleta for Iatuy Call 14~A h l BLER
I
BRONZE PREMIER SPONSORS The INI SINV
Bollooll shoI ~ Uhh PQUA
te
THE NION DEMocRAT THE MOTHER LODE'S LEADING INFORMATION SOURCE SINCE 1854
Blue Mountain Minerals crushes limestone rock used in products
millions of people just like you use every day.
Tuolumne County's Newspaper of Record Since 1854.
~t
Reaching over 25,000 daily newspaper readers. Published Tuesday through Saturday.
~
le
' It '
o5 CI
www.uniondemocrat.corn
g ~
I
©g Q ~
~
g
l jg ogd utotuuu couluv
During this New Year of 2o16, commit yourself to Shop Local,Buy Local,Think Local,by always supporting our locally owned. Information on the Chamber or any of its events may be found atwww.techamber.corn or by CBlllng (209) 532-4212.
55~
THE yew knave®@Sf@P (Beeateee(
Be active in our local business community
Limestone is an essential component in the production
Tuolumne County Chamber of Commerce.
Or manufaCturing Df theSe fOOdS and PrOduCtS
by becoming avalued member of the 159289 012716