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
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
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 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
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
If you own a car, you're needed by law to have a car insurance policy. However, car insurance isn't regulated and because of this, you will find many auto insurance carriers that you simply buy car insurance from. You will find two main sources to search for automobile insurance: on-line and in an actual insurance agency. The web is also great because you can get a fast insurance quote. More
The best health insurance in Ohio. What is the best? The lowest cost? The best benefits? The largest health insurer? The quickest to pay claims? Perhaps the answers (that’s right….more than one answer) are a little of everything just mentioned.
There are hundreds of Ohio medical insurance plans available to residents. The concept is simple. Now, that’s simple and easy! More
Is there such a thing as good debt? Yes. Is all debt bad? No. Debt is simply the obligation to repay an amount for services or purchased property funded by another.
Bad debt is debt that strains personal financial stability. Credit cards can be valuable in establishing credit history but they are often misused. Creditors take a long hard look at your good debt. More
The IRS has officially determined the 2012 Health Savings Account (HSA) and High Deductible Health Plan (HDHP) maximum contribution amounts. This affects existing HSA account holders and any individual or family that purchases this type of health care in 2012. If used for qualified expenses, your deposits are tax-deductible and continue to accumulate year after year. More
Who should you buy your insurance from? An experienced local agent? A national website? Your Uncle Bob who sells insurance part time? A large independent insurance agency? There really isn’t a right answer. But the most important factor is to find a source you can trust that will provide you the best rates. A local experienced broker is often your best option. Best Company. More