Don’t count on your homeowners insurance policy in the face of an earthquake—neither quakes nor losses resulting from earth movement are covered under standard policies. Supplemental coverage is available, however, and you may want to consider it if you find that you live in an area with potential for quakes. According to the U.S Geological [...]
One of the most basic steps of the payroll process is distinguishing between employees and independent contractors. However, employers are sometimes foggy on what differentiates the two types of workers. Employers should have a solid idea of these concepts because there are significant tax implications. Independent contractors are becoming more and more popular among companies [...]
Small business insurance goes beyond insuring your inventory and office space. All small business owners may, at some point, have a need to protect themselves from lawsuits. These lawsuits don’t just come from employees; they can also come from independent contractors and customers. Discrimination, sexual harassment, wrongful termination—these are just a handful of the claims [...]
Of all the misguided concepts I embraced when I was younger, one of the most ridiculous involved retirement planning. “Why plan for retirement?” I thought. “I’ll be dead by then.” Luckily, as I got older I wised up and realized that I needed to start planning. But I’m sad to say there are still folks [...]
On the Ilyce Glink Show on WSB Radio: how long will low mortgage rates last, rising home and house prices, is the economy getting better and the falling budget deficit. I received two emails this week from regular listeners of the Ilyce Glink Show on WSB Radio. They tell me they love the show, but [...]
Ilyce Glink Show on WSB Radio: How is the economy doing and where is it headed with interest rates at historic lows and a budget deficit that is falling? On this week’s Ilyce Glink Show on WSB radio, Ilyce discussed the positives in the economy and where we are seeing economic growth. Ilyce touched on [...]
Hiring a real estate agent to sell your home could be pricey. If you don't want to pay a commission, there are other options. Q: I have a house in the Fayetteville area, south of Atlanta. I am stationed at Fort Bragg NC. I drive home every other weekend and heard part of a radio [...]
Joint mortgage payment problems can stem from one of a few things. Be sure to know who owns what and what percentage of property each owner owns. Q: I hope you can help me out with the following problem: My husband owns 50 percent of this house. The other 50 percent belongs to another couple, [...]
Many people wonder if they should prepay their mortgage. Prepaying a mortgage isn't the best thing for everyone and requires financial planning. Q: I enjoy your articles but I think you left out a couple of extremely important items in your questions to ask about taking out a mortgage loan. In some states, prepayment penalties [...]
The housing markets future predictions is a question many people have. Deciding if you should buy a home now or wait takes some consideration. Q: I am a married, 65-year old retiree. I spent 22 years in the military (with a pension), and then worked another 22 years (44 total) for corporate America. I want [...]
