Our Debt and Services

U.S. National Debt has risen to a record high exceeding $22 Trillion. To make matter worse according to the Treasury Department data comes as tax revenue has fallen and federal spending continues to rise. The new debt level reflects a rise of more than $2 trillion...

Workers Compensation Insurance

I was working with a client that came to me after a worker’s comp audit.  The owner and family were the only ones listed on the policy and drawing salary.  The audit determined that their independent contractors were in fact employees and not independent contractors...

The Merchant of Death Rebranded

Imagine that you developed and refined a destructive force that changed the world of warfare and that you made of fortune doing so.  But you never really thought about the consequences of your actions until you read an obituary about yourself that was run instead of...

Student loans and Bankruptcy

Student loans are typically extremely difficult, but not impossible, to discharge in bankruptcy. To do so, you must show that payment of the debt “will impose an undue hardship on you and your dependents.” If you can successfully prove undue hardship, your student...

Economics of Self-Publishing

I did some reading and investigation on the financials of publishing; I always want to see how a business works. What I found startled me and I thought I had a good idea how the numbers played out. An author published through a small press that sells 100,000 ebooks at...

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