Life insurance premiums are deductible in pay-based setups where the company is not a policy beneficiary and the cost is treated as compensation. Corporations buy life insurance for two broad reasons. One is business protection: cash to keep payroll moving, keep lenders calm, or fund an ownership change after a death. The other is employee […]

Deposits get refunded when the written terms allow it, or when the seller can’t provide the reserved item, date, or service. A deposit can feel like a simple “hold it for me” payment. In real life it’s a trade: you pay now, and the business takes on risk. They block time for you, pull an

No, broad index-fund ownership usually helps savers and markets, yet it can create side effects worth watching. Index funds get blamed for a lot: lazy investing, “bubble” pricing, even weaker companies sticking around. The truth sits in the middle. Index funds are a tool. When lots of money uses the same tool, the upside stays

Gold mining shares can add diversification, yet they can swing harder than gold, so sizing and costs matter. Gold stocks trade like regular equities, but their sales often hinge on one input: the gold price. That mix can work in your favor, or it can surprise you when the stock market sours, a mine has

Credit unions may allow more manual review, yet mortgage approval still rests on income, debts, credit history, and the home’s value. If you’ve heard that a credit union “works with you,” you’re not alone. Many borrowers start calling credit unions right after a bank denial, or when a purchase contract has a tight deadline and

Yes, a HELOC can be a solid deal when you’ve got steady income, a clear plan for the money, and room in your budget for rate changes. A home equity line of credit (HELOC) sounds simple: you borrow against the value in your home, pay interest on what you use, then pay it back. The

Most health centers aren’t “losing all funding,” but budgets can tighten when grant timing, payment rates, or state decisions shift. People ask this when they hear about budget fights, delayed awards, or a clinic cutting hours. The tricky part is that federally qualified health centers (FQHCs) rarely run on one pot of money. They blend

No, Form 1099-K lists gross payment totals, so eBay selling fees don’t get subtracted on the form. If you sell on eBay, the number on your 1099-K can feel off. Your payouts land after fees, refunds, and shipping labels. The form often looks bigger than the cash you kept. This article explains what that total

Yes, insurers often stay steadier than many industries in downturns, but results can swing by business line, pricing, and claim costs. “Recession-proof” sounds like a guarantee. Insurance can’t promise that about itself. Still, many insurers keep operating with fewer sales shocks than retail or travel brands because coverage renews on a schedule and people keep

Many debit cards let you tap to pay, and you can confirm it by spotting the contactless symbol on the card and on the checkout reader. If you’ve tried tapping your debit card and got a blank stare from the terminal, it can feel random. It’s not. Contactless depends on three things: your card, the