Reading the Exclusions and Feeling Refused in Advance? Each One Is There for a Reason
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
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Commuting, Lunch, and Work Clothes Are the Three Costs People Assume Are Deductible
All three feel like costs of earning a living, because they are, and all three are generally not deductible. One piece of reasoning explains every one of them.
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Twenty Minutes and Six Questions: How to Tell Whether a Preparer Is Right for You
A first meeting with an accountant is a two way interview and most people treat it as an application. Six questions settle it in about twenty minutes.
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What the House Cost Against What Rebuilding Costs: A Kitchen Fire Found the Gap
A dwelling limit set when a policy was written and never revisited is the most ordinary form of under insurance, and the clause enforcing it is easy to miss.
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Who Decides Whether Somebody Is an Employee or a Contractor, and on What Evidence?
Classification is settled by how a working relationship actually operates, not by what either side agreed to call it. Several different agencies get a vote.
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Federal Tax Gets the Attention While State and Local Rules Produce the Surprises
There is no single rulebook for state and local obligations and nobody mails one out. That is why the first notice usually arrives from a state you barely worked in.
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