Eat your vegetables, but pay attention the estate planning fundamentals. It was a typical morning at Ellen’s house – find husband David’s socks, make breakfast, get the kids to school, and get to work on time. Estate planning concerns were the last thing on her mind. Stuck in traffic, Ellen focused on the day ahead. [...]
Has a coworker said you don’t need to see a doctor for that minor on-the-job injury? Or perhaps you’ve heard that workers’ comp insurance won’t cover you for the first 6 months of your employment? Be careful…your coworker may not be your best source of information about workers’ compensation in Missouri. Workers’ compensation laws are [...]
If you own a business in Missouri, you must know and understand your employer liability. Employment categories, worker reporting, liability types, wages and taxes are just a few of the issues rife with rules and regulations that, if avoided, can create serious consequences. For example, did you know that any Missouri employer knowingly failing to [...]
Are you covered at your workplace by Workers’ Compensation Insurance? Most employees are, with a few exceptions. You can easily find out by looking for or asking about a Workers’ Comp posting, often placed on the bulletin board in the employee lunchroom, or another common area where workers gather. This post will also explain what [...]
With each new year, we make promises to do things better, to be healthier, to work less and enjoy life more…all worthwhile goals. This year, though, why not take steps to protect your financial future too? Having a will is smart, as is setting up a trust for future generations, because both protect your assets [...]
When regular liability insurance just isn’t enough to cover your responsibility for damages related to an accident or incident, excess liability coverage - the so-called “umbrella policy” - can help to protect you from major claims and lawsuits by providing liability coverage beyond the limits of your homeowners or auto policies. Generally, umbrella policies are [...]
A mechanic's lien is a claim made for payment against a homeowner’s property by a contractor who performed construction work on the property. Essentially, the contractor, known as the lien claimant, is stating the property was improved and, therefore, payment must be made. In Missouri, mechanic’s liens can be used by individual contractors, construction companies, [...]
Surprisingly, not every young family needs life insurance. That is, as long as there is plenty of money in the bank to provide for a surviving spouse and see the children through to adulthood should a parent’s life end unexpectedly. Do you know of any young families like this? Probably not. Most have mortgages and [...]
When people argue, communications break down. And when this happens, people sometimes decide to sue. By the time a dispute reaches the courtroom, reaching a resolution may have become all but impossible. To avoid such a scenario, the courts have instituted an alternative which is growing in use. Alternative Dispute Resolution (ADR) is a group [...]
Business owners often turn to the legal process of incorporation to protect their personal assets from lawsuits; in essence, raising the ‘corporate shield’. Still, some of the best protective benefits of incorporation are lost when corporate formalities are ignored. These 5 tips will help you comply with basic rules of incorporation. “Inc.” is More Than [...]