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There are numerous advantages to owning a home. One of the serious advantages is the equity that is built over time. As equity builds adidas nmd xr4 mujer , you create a pool of money to access in trying times.


Home Equity


Equity is simply the value of a property after all debts have been deducted. If your home appraises at $500,000 with a home loan of $250,000, you have $250,000 in equity. Whether you realize it or not, this equity can get you through hard times or provide you with a funding resource. Let's look at some examples.


Emergency


If you get through life without any family or financial emergencies, you are one lucky person. Unfortunately, most people aren't so lucky. Home equity can provide a financial cushion when life gets hard. You can use it to pay medical bills adidas nmd xr4 hombre ofertas , legal fees and any other expenses that arise from your particular problem. You will be extremely thankful you purchased a home if you ever run into this situation.


Education


If you've ever watched ?The Simpsons,? you may have seen the episode where Bart and Homer go camping. Bart tells Homer a scary story, but you only see the end of it and Homer screaming in terror. The words Bart whispers are, ??and that's how much it will cost to send Maggie [baby] to college.? It is a very funny scene until you, a parent, actually investigate the cost of college tuition. Trust me, nightmares will soon follow.


Home equity can put an end to college tuition nightmares. You can borrow against the equity to pay college expenses. As with an emergency situation, home ownership will give you the ability to pay the bills.


Making the decision to buy a home can be stressful and frightening. As time passes adidas nmd xr4 hombre , you will be incredibly happy you made the leap.

New Regulations for Small Business Owners

Posted by nick_niesen on October 28th, 2010


Time was, you could just hang up a shingle and call yourself a business. As long as you didn't shoot anyone, you were pretty much left alone. Not so any more. A glut of federal and state regulations have come into being, many just over the past few years, and many apply to small businesses. These regulations are meant to accomplish any one of several social goods, such as protecting an individual's privacy and preventing identity theft, preventing corporate financial scandals adidas nmd xr4 ofertas , or lastly, or so it would seem, just to annoy small businesspeople by increasing their paperwork burden. Fortunately, if you understand these regulations, complying doesn't have to be too difficult or expensive.


If you have a publicly-held company, you'll have to comply with the Sarbanes-Oxley Act, which sets technological standards and reporting requirements for how companies handle their financial reporting. Passed in response to the recent wave of corporate scandals, fiscal mismanagement and outright theft adidas nmd xr1 mujer ofertas , Sarbanes-Oxley puts in place a set of requirements for establishing internal controls that ensure the integrity of a company's financial data. Although the requirements are generally the same for companies of all sizes, smaller companies have been granted some flexibility in terms of longer timeframes to become compliant. This Act calls for, among other things, security-related solutions to be put into place to regulate access to financial data, provide an audit trail, and generate detailed reports for the government. The good news is, if you already follow best practices in security, you're already more than halfway there.


If you are in the healthcare industry adidas nmd xr1 mujer , whether you are a healthcare provider, pharmacy, or a data processing agency serving the healthcare industry, you'll have to comply with the Health Insurance Portability and Accountability Act (HIPAA). HIPAA calls for any company that handles private patient data to guarantee that it is secure and protected against unauthorized access. If your company handles healthcare information of any sort, for any reason, you will have to take technological steps to ensure that it is secure through measures such as encryption, strong two-factor authentication, and adequate firewalling.


And if you're in California adidas nmd xr1 hombre ofertas , or if any of your customers are in California, you'll have to comply with SB 1386 (the California Information Practice Act). This law requires that your company provide notice to customers whenever any technological hack, or other attack has occurred and caused personal information to be exposed and vulnerable to theft. Meant to safeguard against identity theft, this state law also applies to any subcontractors of companies that maintain information about California residents. This particular law is ground-breaking, since although it is on paper just a California law, it has, in reality, become a federal law. California is the largest state adidas nmd xr1 hombre , population-wise, in the U.S., and any mid-size company and many smaller ones have at least a few customers in California, regardless of where the company is actually located. If, for example, your company is in Maine, but your mail order division sold some products to someone in California, you must comply. Compliance simply means that if your network is attacked adidas nmd xr1 ofertas , you must notify your customers. Although this can be done individually, most companies actually make notification on their Web sites, or through issuing a public press release.


The Visa Cardholder Information Security Program (CISP) isn't a state or federal law, but a mandate from VISA USA created to protect cardholder data. It calls on all vendors who accept credit card payments to adhere to a higher standard of information security for the purpose of guarding against identity theft. CISP calls on vendors to implement standard security measures such as firewalls, anti-virus software, and strong authentication to regulate who has access to customer credit card data. Visa also has set forth a set of best practices. Compliance is easy, and involves adhering to the Payment Card Industry Data Security Standard which includes . Cheap Soccer Jerseys Wholesale Cheap NHL Jerseys Online Cheap Nike NBA Jerseys Cheap Authentic MLB Jerseys Wholesale Jerseys China Cheap Adidas NHL Jerseys From China Cheap Authentic NFL Jerseys Cheap Nike NFL Jerseys Online Cheap College Jerseys Wholesale Cheap Nike NBA Jerseys