Blog

Tips for Choosing the Appropriate Liability Insurance for Your Business

When it comes to liability insurance, the saying "you can never be too prepared" is quite meaningful. While business owners cannot predict what happens day to day or year to year, they can look into having business liability as way to give themselves peace of mind. The first step is to understand why it’s so important.The Rocky Mountain Insurance Information Association reports that more than one in two home-based business owners lack necessary insurance. Furthermore, the Independent Insurance Agents of America (IIAA) found that 4 of 10 respondents do not have enough coverage because they believe their homeowners policy covers.

Read More

Divorce Can Be Taxing

Divorce is expensive. Aside from the emotional toll divorce takes on a family, both the process and aftermath of a divorce can be costly. Below we look at some of the steps people can take to help remove the tax sting out of an already challenging time and arrive at the best financial position.Changes to AlimonyWe ring in the new year with changes to alimony tax law. Prior to Jan. 1, 2019, alimony payments were deductible by the spouse who paid them and taxable to the spouse receiving them. Typically, this provided an overall benefit to the family unit as.

Read More

Punishing Terrorists and Traffickers; Reinforcing Cybersecurity and Patents

Hizballah International Financing Prevention Amendments Act of 2018 (S. 1595) – This bill amends the Hizballah International Financing Prevention Act of 2015 to impose sanctions on foreign nationals and governments that knowingly assist in funding or recruitment activities for the Hizballah terrorist organization. This includes providing arms or other assistance, as well as narcotics trafficking and criminal activities. The bill was introduced by Sen. Marco Rubio (R-FL) on July 20, 2017 and signed into law by the president on Oct. 25.Amy, Vicky and Andy Child Pornography Victim Assistance Act of 2018 (S. 2152) – This bill authorizes the federal criminal.

Read More

Online Home Appraisal Tools

Real estate appraisal and land valuation is the process of putting a price on the value of property. Buy and sell transactions generally require an up-to-date appraisal because each property is unique and values are based on the current economic landscape.In the past, it was necessary to hire a professional real estate appraiser to conduct an onsite property visit to make this assessment. Granted, an onsite appraisal is still considered the most accurate because it involves a thorough review of the home, including the roof, siding, foundation, windows and doors, flooring, walls, plumbing, electrical, kitchen and bath updates.However, it is.

Read More

6 Ways to Avoid the Holiday Blues

Despite the never-ending flurry of merry salutations, the holidays can be emotionally challenging — if not downright depressing. Here are a few practical ways to take care of yourself during this time of year.Set a Budget. When you’re out shopping, it’s so easy to cave to “spending sprawl” – irresistible gifts that seem to call your name, obliterating any control you thought you had before you left the house. Truth is, you can’t buy happiness with an avalanche of gifts. Instead, you might want to make something for someone (cookies or a homemade ornament), organize a gift exchange and set.

Read More