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The most important thing to remember when forming a corporation is that, legally, it is a separate entity from the individuals who own or 

operate it. You may own all of the stock in the corporation and you may be its only employee, but when you form a corporation, you and it become separate legal entities.

Because a corporation is a legal entity, its organization and operation procedures are governed by very specific state laws. These laws often vary from state to state. However, the corporate elements and procedures are generally the same for forming all types of for-profit corporate entities. Read more »

Filed under: Business Ideas, Entrepreneurial, Finance, Financial News, Product Reviews, a product review | Tagged: form a corporation, incorporated business, incorporation, legal entity | No Comments »

Uninsured Americans will spend $30 billion out of pocket for health care, and receive $56 billion in uncompensated care in 2008, new research shows.

Uncompensated care is defined as health care that is received but not paid for by the uninsured or a health insurer.

In a report appearing in Monday’s online edition of Health Affairs on USA News, Jack Hadley, of George Mason University, and John Holahan, Teresa Coughlin and Dawn Miller, of the Urban Institute, analyzed data on medical spending in people who are insured versus those who are uninsured.

They found that people uninsured for any part of 2008 receive about half as much care as those who are fully insured. A person who is uninsured all year will average $1,686 in medical costs, while someone who is privately insured will average $3,915.

And, the researchers pointed out, the uninsured pay an average of $583 (35 percent) of their costs, while the insured pay an average of $681 (17 percent).

“The uninsured receive a lot less care than the insured, and they pay a greater percentage of it out of pocket. Contrary to popular myth, they are not all free riders,” study author Hadley, a senior health services researcher at George Mason, said in a news release from the journal.

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Filed under: Finance, Financial News, Health, Tax Deductions | Tagged: health care, Health Insurance, Health Insurance Quotes, Health Insurance Rates, uninsured | No Comments »

Did you always love school too!?  Or heck maybe you’re reading this and getting ready to go back to class.  Trust me I feel your pain, elementary school wasn’t all that bad.  Being stuck in your class for long bouts of time and having to ask to do anything typically sucked, however middle school did help improve that although homework and multiple teachers all wanting you to pretend like their class was or is most important always put a bit of a drag on things. Read more »

Filed under: Living Life, Product Reviews, Will Make you Smile, a product review | Tagged: high school, homework, humor, middle school | No Comments »

An unsecured loan is a loan that is not backed by collateral. Also known as a signature loan or personal loan.

Unsecured loans are based solely upon the borrower’s credit rating. As a result, they are often much more difficult to get than a secured loan, which also factors in the borrower’s income. However, an unsecured loan is considered much cheaper and carries less risk to the borrower.

However, when an unsecured loan that is not backed by collateral, AKA signature loan or personal loan is granted, it does not necessarily have to be based on a credit score, if you’re in the market for a couple unsecured Read more »

Filed under: General | No Comments »

* Bonds bid up as major US stock indexes drop 2 pct
* Bank failures whip up new credit-market jitters
* Existing home sales up but no panacea for housing market (Adds comments, updates prices, changes byline, changes dateline, prev NEW YORK)

Who knows what the heck the market is doing besides the fact that its going up, down, sideways basically acting like a drucken frat boy. My guess is the market (Stocks) have had 1 to many 6 packs and we are still waiting on the hangover. Read more »

Filed under: Ben Bernanke, Finance, Financial News, Global Economy, Investing, Real Estate, Stocks, federal reserve, housing crisis | Tagged: bank failures, columbian bank and trust in kansas, credit crunch, credit markets, credit worries, fed, federal housing administration, federal reserve, stock-investing, Stocks | No Comments »