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What Makes Insurance Different for Contractors

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rebuilding your home with insurance

One of the most often asked questions we come across is the one about contractor insurance coverage and how it differs from regular small business insurance. This sounds like the answer would be fairly simple, but that is not the case. While you will certainly want general liability insurance for small businesses to cover the basics, it is important to speak with a well-educated and licensed insurance agent that has knowledge of your industry in order to find the right additional coverage for your situation. Understanding Industry Requirements Is Important Each industry has its own specific regulations, which can heavily affect the types of insurance you will need as a contractor. For example, General Contractor is a broad label given … Read more

Top 5 Reasons to Invest in Cryptocurrency

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How Secure Are Transactions Done Through Bitcoins?

It’s hard to avoid all the talk about cryptocurrencies lately, and there are lots of indications that the situation is going to get even more developed in the future. If you’re still on the fence to invest in cryptocurrency, now’s probably the best opportunity you’re going to have, this year is shaping up to be a solid year for cryptocurrencies as a whole. One quick look at the market is enough to reveal many attractive opportunities and plenty of good reasons to jump in. 1)    Trends Are Stable Prices of various cryptocurrencies have started to stabilize in recent months, especially among the most popular ones, and that’s a good thing for those looking for some long-term security in their investments. … Read more

Top 4 Careers for a Librarian with a Masters in Library Science

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Careers for a Librarian

Librarianship, as a career, usually offers good job security and fair pay, which is why it’s been a popular career for quite some time. The current average salary for librarians is $55,000 (according to info from the Bureau of Labor Statistics), but those who are within the top 10% make an average of $80,000. It’s fair to assume that most of them hold a Master in Library Science (MLS). After a Master in Library Science, you’ll need to find a job. How much you will earn depends mostly on where you are hired. In this article, we will explore the best careers you can follow as a librarian if you hold a Master in Library Science, which gives you the … Read more

Taxes Are Changing – Find Out How You Can Save on Your Income Taxes

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How You Can Save on Taxes

With a stroke of a pen, the president signed the new tax reform law into existence. The law, which is formally known as the Tax Cuts and Jobs Act, takes effect on January 1, 2018. The act will mean millions of businesses and consumers will see their taxes change for the 2018 filing cycle. The law is widely known to reduce the corporate tax rate from 35 percent to 21 percent. Many individual income brackets change as well. So how can you save on your taxes for next year? How You Can Save on Taxes Standard Deduction Taxpayers have the option of either itemizing their taxes or taking the standard deduction. The standard deduction is the first few thousand dollars … Read more

Getting Back Your Money – How to Claim an Income Tax Refund

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How to Claim an Income Tax Refund

When it comes to income taxes, many people experience confusion as it is not always an easy topic to understand. They don’t know how to claim an income tax refund. During the tax year, you may find that you have not paid enough income tax and that you, therefore, owe money to the government as a result of this. However, it also works the other way. You are eligible to receive an income tax refund when you have paid more tax to the government than your actual tax liability. In this article, I will talk about the basics of claiming a tax refund if you have overpaid. What you need to do if you believe you are due a refund  … Read more

Compare Equity Release – A Quick Overview for Homeowners

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12 Things You Should Know Before Buying A House

By the time you reach your middle to late 50s, you are likely to have made a considerable investment in your home – which hopefully represents a significant capital value in the equity you own. You might want to unlock that capital and put it to better use: to supplement or bolster your pension income after retirement; find an alternative to “downsizing”, without having to move home; if you are coming to the end of an interest-only mortgage, you might need the cash to make the final capital repayment; use the equity in your home to pay off other debts; or take the extended world cruise or holiday of a lifetime you had always promised yourself. These may be just … Read more