If you have a successful small business and you run with a partner, what exactly is the liability of partners? Well, if you set up a partnership agreement, you can spell that out exactly. If you don’t have a partnership agreement or the agreement doesn’t cover a specific issue, your responsibilities and liabilities are pretty [...]
If you are investing for income, you are probably very perplexed by the extremely low interest rates available today. This is especially difficult if you are retired or want to retire now. If you’re very lucky, you might get 2% for a CD. After inflation and taxes, you’re losing money, of course. But you’d still [...]
Have you ever paid for something and either didn’t receive it or didn’t get what you paid for? It doesn’t happen often but when it does, it’s maddening. That’s when disputing credit card charges becomes an important skill. If you just ignore the charge, you’ll wreck your good credit score so you have to respond. [...]
At sundown tonight Yom Kippur will begin. It’s a Jewish Holiday that I personally get a lot of inspiration and motivation from. It’s really a great gift, and it is my secret way to get clarity on my own definition of success. In case you aren’t familiar, Yom Kippur is structured to encourage Jews to [...]
If you’re looking for a home loan mortgage refinance with bad credit, there are ways to start borrowing money without paying high fees and exorbitant interest rates. A friend of mine, Sue, was stuck with a 7% mortgage. And because she didn’t have a high credit score, she thought she was unable to take advantage of current low [...]
Most people associate credit cards with earning rewards or paying interest, but they offer a lot more than that. As I’m sure you’ve noticed, credit card insurance protection is often offered free of charge. However before you rely on them, it’s important to understand how they work. Sometimes the names of the benefit can be [...]
Health insurance plans change after retirement. For the most part, gone are employer-sponsored plans or the private plans of the self-employed. And if you have your own shop, coverage from disability insurance for self-employed people stops when the business stops or when you reach age 65 (in most cases). Sorry. For most retirees, Medicare [...]
Your beneficiary designations are probably the single greatest estate planning tool you have available (other than a living trust). Yet very few people take the time to make informed decisions. Here’s a run-down of the top 5 traps and how to avoid them. 1. Different Rules Beneficiary designations are important. But IRA beneficiary rules are [...]
If you own property, you have landlord liability. Remember, owning property is more than just having a second job. It’s a huge responsibility, too. Like you, I’m a huge fan of people taking responsibility for their own actions. That goes for you as an owner as well as for the people who rent from you. Having [...]
Even the best small business lives and dies by the accounting solutions the owner implements. Your accounting systems, if they are good, can help you spot a problem before it becomes fatal to your business. After sales, there is nothing more important than the accounting systems you use. There are two major accounting solutions you [...]
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