Day: January 1, 2012

Answer four questions before refinancing a mortgage

Answer four questions before refinancing a mortgage “Interest rates hit historic lows!” “Refinance Now!” “No-cost refinancing!” These advertisements urge consumers to capitalize on mortgage interest rates that have declined significantly over the past two decades. In December 1991, the average…

Keys to getting a small business loan

Keys to getting a small business loan Before a start-up company can begin producing revenue, it often needs an infusion of cash that exceeds owner contributions. Even long-established firms sometimes must borrow to purchase inventory, buy real estate, expand operations,…

Payroll update for 2012

Payroll update for 2012 Out with the old and in with the new. The expression applies not only to the upcoming new year, but also to the new year’s payroll tax reporting and compliance. Here are two changes. Health care…