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How difficult can tenants be to remove?

By: WiseSaver Insurance Views: 4758 | Comments: 0 | Votes: 0

WiseSaver

If you are a landlord, then probably at some point you have had difficult tenants. Perhaps they chose not to pay their rent; maybe they are ones that party all night disturbing your other tenants as well as the neighborhood. On the other hand, maybe they are the kind of tenant who is destructive and damages the property. This can make the process rather long and tedious. More

Digital Risk’s Veritas System Reinvents the Credit Score

By: Kenneth R. Harney Home Loans Views: 3940 | Comments: 0 | Votes: 0

Kenneth R. Harney

Do you ever get the feeling that your credit score doesn’t adequately portray your true risk as an applicant for a home mortgage? If your FICO score is a subpar 690 but you know that you are a solid candidate for a loan, do you think that lenders’ heavy dependence on credit scores is unfair to you as an individual? You’ve got some company. The jury is out. More

Addition to the New CA Short Sale Laws

By: Mary Ellen Wilson Real Estate Views: 3223 | Comments: 0 | Votes: 0

Mary Ellen Wilson

Addition to the New CA Short Sale Laws Video There is a new California law that will protect homeowners while pursuing short sales by prohibiting first and secondary lien holders from going after sellers for money owed after the short sales close. This new law, which became effective immediately, now prohibits secondary lien holders from pursuing deficiencies after a short sale closes. More

How to Save Money on Your Reward Credit Card Perks

By: Melanie Mathis Personal Finance Views: 2739 | Comments: 0 | Votes: 1

Melanie Mathis

If you have a reward credit card then, you should see to it that you maximize the benefits you enjoy from your card account. Aside from the actual rewards, try to determine your other privileges as a cardholder. After all, although some perks cannot be converted to cash, knowing how and when to use them can save you a great deal of money. How?  2. Purchase protection. More

New Housing Tax

By: Kenneth R. Harney Tax Planning Views: 3403 | Comments: 0 | Votes: 0

Kenneth R. Harney

When the U.S. Supreme Court upheld the health care reform law on federal tax grounds, it restoked a housing issue that had been relatively quiet for the past year: the alleged 3.8 percent “real estate tax” on home sales beginning in 2013 that is buried in the legislation. A sample: “Did you know that if you sell your house after 2012 you will pay a 3.8 percent sales tax on it? More

Mortgage Debt Relief Act Expires Dec. 2012

By: Mary Ellen Wilson Real Estate Views: 3202 | Comments: 0 | Votes: 0

Mary Ellen Wilson

San Diego, CA – EHS says “Be Concerned.” Here’s how the 2007 Act works. If your lender forgives any of your loans, it is reported to the IRS as ordinary income. That income could add over $100,000 to your taxable income. The 2007 bill forgives that tax.   Congress created a bi-partisan 12-member committee to reduce the $1.5 trillion dollar tax deficit. More

Starting a Business? How to Best Utilize Limited Capital

By: Barbara G Financial Planning Views: 2991 | Comments: 1 | Votes: 0

Barbara G

If you're in business or are starting a new business, equipment leasing may be the right choice for you. Equipment leasing not only saves you money, it gives you the flexibility of running your business without major start up expenses, which the average business faces much of when opening. There are financing options to suit every budget and need. More

Buy D&O Directors Officers Coverage

By: Jim Kaz Insurance Views: 3401 | Comments: 0 | Votes: 0

Jim Kaz

The group includes public, private and nonprofit companies. One-quarter of public companies and 14% of private/nonprofit organizations said they increased their D&O limits of liability. More

No Health Insurance? Affordable Medical Coverage Is Available

By: DRuthven Insurance Views: 2802 | Comments: 0 | Votes: 1

DRuthven

You have no health insurance. Now what? Well…of course, don’t get sick and stay out of the hospital! That might work for a short period of time but you will need a long-term solution to your problem. If you have a major health issue and are uninsurable, then your state may have an “Open Enrollment” option that would be worth investigating. This form of policy is inexpensive. More

Workers comp assessments 5 times higher for N.Y. state employers.

By: Jim Kaz Business Loans Views: 2551 | Comments: 0 | Votes: 0

Jim Kaz

New York state employers pay nearly five times more in workers compensation insurance premium assessments than the average in other states, according to a Workers’ Compensation Policy Institute report.Most states impose similar surcharges on employers t More