Articles Showing articles related to: Finance & Insurance
Hiring independent contractors
Owning and operating your own small business can be expensive. Some businesses are able to control costs by using independent contractors instead of hiring paid employees. However, cautions Gary Cerasi, CPA, owner of Creative Business Strategies, tax laws can complicate that strategy. He explains here: Q: What’s the advantage of hiring...
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Should you enroll in Medicare or not?
What do you do when you turn 65 and are covered under your spouse’s healthcare insurance plan? Do you stay on that plan or transition over to Medicare? There is a lot of information out there about what to do, and it can get confusing. But it’s important to know you do have options. Aging into Medicare doesn’t necessarily...
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Is your basement protected from water back-up?
There’s a difference between basement water back-up coverage and flood insurance. If you live in a flood zone, you have likely secured proper coverage per your lender. But whether you live in an area prone to flooding or not, water back-up can happen to anyone. For about $80 per year, you can be protected with $5,000 of coverage if...
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Do you really need a trust?
A lot of people think they need a trust, but they may not,” says Jay Nabors, who works with his wife, Linda, at Nabors & Nabors, the Strongsville-based law firm where attorney John J. Urban is of counsel. “It’s common to assume a trust can help you automatically avoid probate, but that’s not necessarily how it works.” A trust,...
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How to maintain a healthy cash flow
A strong order book may lead you to believe that your business is in tip-top shape. However, warns Gary Cerasi, CPA and owner of Creative Business Strategies, regardless of how busy you are, a weak cash flow can cripple your company. Here, Gary offers tips about maintaining a healthy cash flow. Q: What exactly is cash flow?A: It’s the...
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