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Are home equity loans simple interest?

A typical home mortgage is still a simple interest loan even though it feels like compound interest. The interest doesn’t compound. The principal payments...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can you reimburse an employee for health insurance premiums?

As of Jan. 1, 2020, employers can offer an ICHRA, which means they can reimburse employees tax-free for health insurance purchased on the open market. Thi...

How much is in a pallet of water?

Water Delivery – Our Pallet Program Bottle Size Cap Cases per pallet 8 oz Flat 120 12 oz Flat 96 16.9 oz Flat 72 16.9 oz Sport 60 Does Walmart sell pallet...

How do I apply for FEMA?

Call the toll-free application number 1-800-621-FEMA (3362) or register on- line at These are the ONLY ways to apply for assistance. You will be asked for...

Do w-8BEN-E forms expire?

The W-8BEN-E form can expire. It only lasts until the end of the calendar year when it was signed and then the next three years. It expires at the end of ...

How can I get enough money to pay off my student loans?

How to Pay Off Student Loans in 10 Steps Get on a budget. Find out your payoff date. Pay more than the minimum payment. Make some financial sacrifices. Pa...

Can I reduce my monthly loan payments?

You can always try to ask for a better interest rate, longer term, or give more of a deposit in the instances of many secured loans to reduce the monthly ...

What is the difference between an S corporation and a sole proprietorship?

A sole proprietorship is an unincorporated business that doesn’t have any legal separation from its owner. Sole Proprietorship vs S Corp The main differen...

Is it OK to transfer more than 10000?

By law, banks report all cash transactions that exceed $10,000 — the international money transfer reporting limit set by the IRS. In addition, a bank may ...

What does client communication begin with?

When it comes down to it, good client communication is all about managing expectations. Here are a few easy ways you can set clear expectations and improv...