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How to Save Money on Your Reward Credit Card Perks

By: Melanie Mathis Personal Finance Views: 2645 | 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: 3311 | 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: 3125 | 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: 2913 | 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: 3319 | 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: 2719 | Comments: 0 | Votes: 1


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: 2472 | 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

In product liability insurance, what is "Breach of Warranty"?

By: Jim Kaz Business Loans Views: 2263 | Comments: 0 | Votes: 0

Jim Kaz

One of the oldest and widely recognized theory is breach of warranty for which there are two types of claims. One is expressed, the other implied. An expressed warranty makes certain performance claims often found in a number of different sources— your sales and promotional materials, a sales contract, other published data, even in oral representations. More

In product liability insurance, what is Negligence?

By: Jim Kaz Insurance Views: 3206 | Comments: 0 | Votes: 1

Jim Kaz

In order for you to be found "negligent" in the design, manufacture and/or distribution of your product, the following must occur. - First, it must be shown that you had a "duty owed" to another party. Simply marketing your product to a customer is generally all that is needed to demonstrate that duty. - Second, there must be a breach of that duty. No one expects you to be perfect. More

Time to Concede Home “Ownership” Is a Fraud.

By: Mike “Mish” Shedlock Home Loans Views: 3604 | Comments: 0 | Votes: 0

Mike “Mish” Shedlock

Every week someone sends me an idea on how to fix various housing problems. Many want home prices to stop falling and many others want to bail out homeowners because banks were bailed out (as if two wrongs make a right). Others want to stop foreclosures even though the very best thing for most of the people in trouble would be to shed the albatross by walking away. More