In addition to health insurance benefits, many employers offer group life insurance benefits for their salaried employees. Although this arrangement isn't nearly as popular as the standard employer-employee health insurance relationship, it's useful for older employees who might not be able to find affordable life insurance policies on their own. In most cases, the premiums […]
Year-end tax planning can be nerve-wracking. Depending upon the complexity of your tax situation and the amount of money that you earn in a given year, your tax return could be fearfully complex. Whereas many folks who work for a single employer and don't take many tax deductions might have a relatively straightforward tax-filing experience, […]
Investing in mutual funds has plenty of advantages. For starters, mutual funds aren't self-directed investments. They're managed by competent and well-trained fund managers who command hefty salaries for their expertise. When you purchase a mutual fund, you can rest easy with the knowledge that your fund manager will work 50 or 60 hours per week […]
If you're mulling whether to invest some of your hard-earned money, you'll need to take a moment to think about your short-term and long-term goals. Since you're a unique person, you'll need to craft a unique investment strategy that takes your specific needs into account. If you want to speed the process along and take […]
If you earn health insurance benefits through your employer, you're a member of a lucky cadre of American workers. Many employers have stopped providing such benefits to their employees. Others require the employees who sign up for their employer-sponsored group plans to cover the full cost of their premiums. Although group plans tend to cost […]
As a plaintiff in a personal injury lawsuit, there are several different means by which you can seek redress. As you might imagine, you're entitled to seek full compensation for the medical costs that can be directly attributed to your injury. For instance, you can submit an itemized medical bill for treatments related to broken […]
If you draw a regular salary or earn hourly wages, you're probably familiar with the concept of tax withholding. When you receive your pay stub each week, you probably glance at the various numbers and columns that adorn it. Look more closely at your most recent stub. You'll notice that there's a column for "gross […]
These days, millions of Americans file their taxes online and receive their federal and state tax refunds via direct deposit. With the advent of broadband technology and affordable electronic financial transfers, this has become a matter of routine. After all, it's often cheaper and faster to process tax payments through the Internet. Waiting for an […]
Depending upon the size and complexity of your investment portfolio, the stocks and mutual funds that you own may serve to complicate your year-end tax calculations. Figuring out your tax liability on your equity investments isn't simply a matter of adding up the amount by which your holdings increased or decreased in value during the […]
In addition to its often painful personal implications, the process of divorce can have serious financial effects as well. In fact, many American divorces are caused by explosive disputes over income, debt and other financial issues. The majority of divorces would be far simpler and take far less time without these headaches. If you're a […]
As a homeowner, you're required to remain current on your mortgage payments. Depending upon the value of your house and the length of your mortgage's term, these payments could suck up a substantial amount of your disposable income. This could force you to make sacrifices that you didn't anticipate having to make during your initial […]
In recent years, the advent of powerful online tax-filing programs has threatened the business models of many full-service tax-preparation services. Since in-person tax filing services can cost several times as much as do-it-yourself packages, millions of taxpayers have migrated online during the past decade. In order to keep up with the changing times, most full-service […]
If you're like most American homeowners, your mortgage is the single largest obligation that you'll ever carry. Unless you purchase a private plane or yacht, it's unlikely that you'll ever own something as expensive as a piece of residential property. Of course, you could own a more expensive home after choosing to expand into a […]
For individual homeowners, the foreclosure process can be jarring and traumatic. Once the bank seizes an owner-occupied property and puts it up for auction, its owner must move out and find another place to live. In most cases, this is extremely disruptive for everyone who lives in the house. For renters, the foreclosure process can […]
If you're looking to invest in real estate, the market may support your ambitions. After years of free-falling home and land prices, the American housing market appears to be bottoming. As ambitious investors continue to mop up the nation's foreclosure overhang, the number of distressed properties appears to be shrinking at a slow but steady […]
If you're like most American taxpayers, your health insurance premiums represent an enormous "overhead" expense. For many years, the cost of healthcare and health insurance has risen faster than the overall rate of inflation. Meanwhile, the recent passage of the Affordable Care Act has added a new layer of uncertainty to the healthcare market. Many […]
Is It Legal to Charge Employees Different Amounts for Their Health Insurance Based Strictly on Their Income?
If you obtain your health insurance through an employer-sponsored plan, you're among a shrinking majority of Americans who enjoy such coverage. More and more businesses are choosing to curtail or eliminate their health insurance plans in the face of rising costs and increasingly complex regulatory frameworks. Although the recent passage of the Affordable Care Act […]
If you're named as the beneficiary of a life insurance policy, you may expect a substantial windfall upon the death of the policyholder. Depending upon the size and structure of the payout, this may feel like a sizable inheritance. After all, you'll summarily be awarded a six-figure sum of money simply for enjoying a relationship […]
The "Common Body of Tax Law" is a legal framework that denotes the taxing authority and regulations of a given country's tax laws. The term is most often used to describe the framework that governs the American tax code. Since there are several key agencies that have the authority to levy taxes, penalties, fees and […]
As a new homeowner, you've probably already heard about the Mortgage Interest Tax Deduction. One of the IRS's most popular and lucrative tax deductions, the Mortgage Interest Tax Deduction allows certain homeowners to deduct the interest that they pay on their mortgages from their "top-line" tax calculations. In other words, the deduction permits them to […]
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