Dyman Associates Group of Companies: Tips for funding your retirement - 1 views
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Dyman Associates Insurance Group of Companies Insurance Tips - 1 views
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Shad Mars on 25 Jun 14Save money and get the right insurance coverage for your business with these tips. * Premiums for fire, casualty and burglary insurance on business property are all deductible for tax purposes as trade or business expenses. If a business taxpayer has a self-insurance plan, however, all payments into the self-insurance reserve will not be tax-deductible for purposes; the actual losses incurred by the taxpayer would be the deductions. * Premiums for life-insurance are tax-deductible. But premiums paid on a policy covering the life of an officer, employee or other key person are not deductible if the business is a direct or indirect beneficiary under the policy. Premiums paid on a life insurance policy of which the business is a beneficiary are not deductible, since life-insurance proceeds would not have to be included in taxable income when received by the company. Other Tips * Before speaking with an insurance representative, write down a clear statement of your expectations. * Do not withhold any important information from your insurance representative about your business and its exposure to loss. Treat the individual as a professional helper. * Get at least three competitive bids using brokers, direct agents and independent agents. Note the interest that the representative takes in loss prevention and suggestions for specialty coverage. * Avoid duplication and overlap in policies; you will be paying for insurance you do not need. * Ask your insurance firm if it's an "admitted insurance company." If so, it should have a solvency fund should a catastrophe put the insurance company in danger of going under. An unadmitted carrier has no such solvency fund. * The small businessperson should not consider any form of self-insurance. The pool of funds necessary to safely insure losses is extraordinarily large
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Personal finance tips: When to skimp on insurance, and more - 5 views
Dyman Associates Insurance Group of Companies Three top pieces of financial advice - from the consolidation conundrum to counting expenses like calories Insurance You Don't Need Sometimes it ma...
Personal finance tips: When to skimp on insurance, and more - 4 views
Dyman Associates Insurance Group of Companies Three top pieces of financial advice - from the consolidation conundrum to counting expenses like calories Insurance You Don't Need Sometimes it makes...
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Dyman Associates Insurance Group of Companies - Tips for Buying the Right Life Insurance - 3 views
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Dyman Associates Insurance Group of Companies: Which costs less? Medicare vs. Private I... - 6 views
NEW YORK (CNNMoney) Wonder why some doctors grumble when a Medicare patient walks in the door? It's likely because the government program typically pays only 80% of what private insurers do. Medic...
Life Insurance and the 831(b) Captive Insurance Company - Wait For The Test Case Before... - 5 views
Life Insurance and the 831(b) Captive Insurance Company - Wait For The Test Case Before Signing Up Dyman Associates Insurance Group of Companies There is an old saying about life insurance: "Life ...
Dyman Associates Insurance Group of Companies: 10 Insurance Mistakes to Avoid in 2015 - 1 views
At least a few of the 365 days in 2015 will include a calamity or two for your bank. Many will be small. A few might be large. Some that start small might morph into large. Make sure your bank's ...
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Don't buy a tech device just as a new version comes out, David Pogue says. Who doesn't want to save money? You've probably heard basic money-saving advice, such as never buy an expensive item on i...
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BBB warning - be careful where personal and financial information is shared TUCSON, AZ (Tucson News Now) - On July 23, law enforcement officials arrested seven suspects, from Russia to New York, a...