 Category :: Legal Articles |
Author :: Robin Gronsky  |
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| Article Title :: Are Your Loan Officers Employees or Independent Contractors |
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| Many mortgage lenders/brokers treat their loan officers (who are their salespersons) as independent contractors. Those loan officers are paid on a commission based on the successful funding of a loan. The mortgage lenders/brokers pay the loan officers either as each transaction closes or on a periodic basis. The amount paid to the loan officer contains no deduction for federal, state or local taxes. Frequently, the loan officer does not receive any benefits, such as company-paid health insurance or paid sick or vacation time. At the end of each year, the mortgage lenders/brokers issue IRS Form 1099s to their loan officers.As a mortgage lender/broker, you cannot classify wheth (read full article) |
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| Category :: Legal Articles |
Author :: Robin Gronsky |
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| Article Title :: Safeguarding Your Customers' Private Information |
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| In 1999, Congress passed the Gramm-Leach Bliley Act which required all mortgage brokers and lenders (as well as other “financial Institutions”) to do three things: (1) they had to securely store the private information that they received from their customers; (2) they had to provide notice to their customers that described their policies about sharing individuals’ personal information with third parties; and (3) they had to provide a mechanism (an “opt-out”) by which the customer could restrict the mortgage broker/lender from sharing his personal data. The size of the company did not matter. Even a tiny company was subject to compliance with this law.So, you started sen (read full article) |
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| Category :: Legal Articles |
Author :: Tara Pingle |
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| Article Title :: Auto Accident Attorneys |
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| As we all know, there are many hazards to driving, especially in winter conditions.Snow and Ice hazardOne of the less-discussed winter hazards is the cascade of ice and snow which sometimes flies off vehicles which weren’t brushed off before being used.Pennsylvania Senator Lisa Boscola (D) has worked on this issue for several years, trying to get a piece of legislation passed to minimize the danger. The proposed legislation, SB902, (introduced in October, 2005), would fine drivers who fail to clear snow and ice off their vehicles. If that snow or ice interferes with another driver and causes an accident, the fine would be higher, and higher still when the offending (read full article) |
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| Category :: Legal Articles |
Author :: Jay Rosenzweig |
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| Article Title :: Recorded Statement vs Written Declaration |
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| The recorded statement is not an easy replacement of the signed written declaration. It has its own techniques and advantages and disadvantages. The following is a list of some of the advantages and disadvantages of a recorded statement as compared to a written statement:Advantages of a Recorded Statementa. The statement is given in the subject's own words and his or her particular accent and phrase usage.b. The recording will indicate a subject's emphasis and inflections and will give an idea as to whether he or she is forceful and positive or weak and vacillating.c. Is probably the preferred method of obtaining a statement from an illiterate (read full article) |
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| Category :: Legal Articles |
Author :: Shannon Moore |
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| Article Title :: Free Trademark Search - Is it Possible to Search my Trademark for Free? |
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| Yes and no is really the only way to answer this question. While there are some great preliminary sites anyone can access for free, that is NOT a clear cut indication of what’s out there in terms of company names, service names or product names.Only comprehensive research will tell you if a name is truly available.Let's take a look at some free, preliminary sites and where they fail to be comprehensive:The USPTO Web Site: You'll be able to search some of the Federal trademark files at this site.What it's missing: State trademarks; Common-Law databases such as incorporation listings, DBA records, company directories, newspap (read full article) |
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| Category :: Legal Articles |
Author :: Jo Ann Joy |
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| Article Title :: Choosing an Entity for Your Company |
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| The entities to choose from are:
Sole ProprietorshipsGeneral partnershipsLimited partnershipsC and S corporationsTrusts, andLimited liability companiesThe factors that affect the choice of entities are:
income tax and asset protection consequencesease and cost of formationnumber of ownersrestrictions on ownershipprivacy, control, managementowners’ protection from liabilities of the entityLimited Liability Company Formation
Pro (read full article) |
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| Category :: Legal Articles |
Author :: Gay Redmile |
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| Article Title :: What is Power of Attorney? |
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| Power of Attorney is a legal document where one person authorizes another to act on his/her behalf. It allows that authorized person to manage business and/or financial affairs when one person is no longer able to do so. It may be required due to illness, overseas travel or mental incapacity.Why is it important to organise a Power of Attorney? Should you be considered incompetent to deal with your finances - you need somebody else to be authorised to deal with your affairs. A Power of Attorney document allows you to choose the person, with defined authority and limits if desired, the power to protect, or re-arrange, your assets.The person named in a Power of Attorney to a (read full article) |
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| Category :: Legal Articles |
Author :: Cynthia Bates |
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| Article Title :: Knowing When to Consult a Lawyer |
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| In this day and age, it's important to protect your rights in many different situations. Knowing when you require the professional services of a lawyer is important since many situations essentially demand it. Hiring a lawyer will typically cost you a large sum depending on the complexity and time required of your situation, so it is wise to understand when you really require legal services.If you have been arrested or are being sued, contact a lawyer immediately. These types of situations are very cut and dry in terms of whether or not you need legal help. However, there are many of reasons other than existing legal problems that might be reason to hire a lawyer. For instance (read full article) |
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| Category :: Legal Articles |
Author :: Holcy Thompson III |
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| Article Title :: Arkansas Child Support and Enforcement |
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| Child Support
Arkansas child support is known to be administered under the Office of Child Support Enforcement. The (OCSE) is under the jurisdiction of the Division of Revenue, which is within the Department of Finance and Administration.Applying for Child Support
Any parent who receives state assistance, such as Foster care or Transitional Employment Assistance will be automatically referred to the Office of Child Support Enforcement for any child support help. Child Support applications can be obtained through your local child support enforcement office or by calling the local number which is provided for you by clicking the link below. The Office of Child (read full article) |
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| Category :: Legal Articles |
Author :: Lawrence Taylor |
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| Article Title :: 5 Tips on How to Avoid a False DUI Breathalyzer Result |
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| Let's say you had a drink or two but don't feel you are under the influence of alcohol. However, you are arrested on suspicion of drunk driving and offered the choice of taking a breath or blood test (or, in some states, urine). Most DUI suspects choose the breath test -- a choice which could doom your chances to prove your innocence. Consider the following advice when deciding which test to take:1. If you smoke cigarettes, you may want to pass on that Breathalyzer mouthpiece the officer is handing you. Scientific research has shown that smoking can raise the test result considerably -- enough to get you charged and convicted of drunk driving. This is because most breath analyzing (read full article) |
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