6:30 A.M.

Get up and ready for my personal trainer, Billy, who comes to my home at 7:15 a.m. and works me out until 8:15 a.m.


9:00 A.M.

Arrive at my office. I am very fortunate it is in walking distance. I go through my schedule with one of my assistants. I have the three lead staffers from a potential client coming to my office at 10:00 a.m. They are moving to Los Angeles from the Midwest and starting a new business.


10:00 A.M.

All three of the clients arrive. We discuss the ins and outs of 'Obamacare.' They anticipate eventually having more than 50 employees, so we go over the law for 50 and over, even though that mandate will not take effect until Jan. 1, 2015. I do a short presentation and try to answer all the questions they have. They decide to go forward with a specific group policy and I give them the needed paperwork for the next step.


11:30 A.M.

Read my emails and daily headlines. I also have calls I must return. One call is from a small-group client that has a termination they want me to do for an Aug. 1, 2013 effective date. I assign this to one of my assistants.


12:30 P.M.

Meet with my advertising specialist regarding ads for print in various outlets, which include both magazines and newspapers.


1:30 P.M.

Have lunch with my small-group carrier rep. We discuss the future of the small-group market in California under the ACA. We also go through renewals for the remainder of the year and discuss updates from the carrier.


3:00 P.M.

Return to the office and have several phone calls. One call is from a large-group client about reporting their premiums paid this year to the Internal Revenue Service. With the 50-plus mandate delayed, they question if they still need to report the premium that they paid for each of their employees on the employee's W-2. I made a few calls and ensured that the answer is yes, they do need to continue reporting that to the IRS for this year - the delay of the mandate has nothing to do with the reporting.


5:00 P.M.

Leave work. On my way home, I stop to visit with my 92-year-old mom. She is delightful and still has a wonderful mind. I love her very much and I am so grateful to have her all these years.


6:00 P.M.

Arrive home just in time to feed my two little dogs.


7:30 P.M.

I do not cook, but I make great reservations. My husband and I go to have dinner with some very good friends of ours.


9:30 P.M.

We arrive home. I watch a little TV and I'm off to bed. I am so fortunate to have my own business because I have met such wonderful clients and some of them have become very good friends. I am so grateful for everything I have.

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