Access Plans Inc (fka APNC)

[MoneyMan]

My guess is top line around $13.5m, anything over would be nice. Bottom line could be little higher with improving unemployment claims from the rent to own business. That segments top line has steadily grown for awhile, same for the retail discount card market. CVS, Medicine Shoppe, and others should be enough to keep that divisions revenue up or even. Cash on hand could be well over $7m. Hope to see .05 EPS in the end.

As it has been since merger in June 2009, insurance marketing division is the wildcard. They seem to be pushing as of late, the supplemental, ancillary, and other forms of insurance. That increase could be enough to offset any small decline in major medical policies. That is more of a longer term revenue growth area. New changes to their commission and processing will help get more agents selling. 3rd and 4th Q should show that.