You have 5 days left until Sunday January 31st to get health insurance for 2016.

If you miss this date, you may have to pay a penalty. Register now so that you don't miss the individual health insurance Obamacare Annual Enrollment Period (AEP).

Avoid the government website healthcare.gov, save time and get better advice from a company like My Health Insurance USA.

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The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate.

After three years of strong market returns, 2015 performance was relatively flat combined with higher volatility across most asset classes. Sluggish global economic growth, concerns over a hard landing in China, a further decline in oil prices, and the anticipation of the Federal Reserve’s first interest rate hike since 2006 weighed on markets. The U.S. dollar was a top performing asset class, gaining more than 9%, while commodity-related assets were the worst performers. Large cap U.S.
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