Getting Your New York Mortgage Broker License

New York has one of the most detailed applications for mortgage licenses and one of the longest timeframes in which to get the approval for the license. But the large population in the state coupled with some very high housing prices (and therefore mortgage amounts) make New York one of the most coveted licenses for a mortgage broker that can generate business in that state. Here is some information you need to know to get your mortgage broker license in New York.

U.S. Regulation D Securities Offerings for Small Business

What is a Private Placement or Regulation D securities offering? Simply stated, it is against the law to sell stock to the general public unless you are licensed to do so or can qualify for an exemption from the SEC rules. Section 5 of the 1933 Securities and Exchange Act clearly states, it is unlawful for any person, directly or indirectly, to sell a security unless a registration statement has been filed. You may not sell a security or deliver a security after the sale unless a registration statement is in effect. A full registration statement (like used in a traditional Initial Public Offering) is a very expensive and complex document to create and maybe overkill for most small businesses. The 1933 Securities Act does contain some exemptions, as you will see below.

Earned Monopolies: Are They Really Bad? Re-Thinking Our Anti-Trust Laws

There are many types of Monopolies in Business, Commerce and Industry. Most of the Monopolies that we see are actually created by the Government itself. For one our patent laws enable a company a temporary Monopoly on new emerging technologies, which allows them a head start in trade for putting capital into developing such technologies.

We Are Our Own Worst Enemy; Regulatory Bodies Destroying America with Bureaucracy

Well you hear it all the time on TV on shows like Lou Dobbs. They complain about outsourcing, off-shoring and job losses. That big corporations are leaving the country and small businesses are getting hammered. But seldom does anyone address the real causes of all this? It is not the corporations fault that they need to find more efficient methods or ways around the bureaucracy, it is rather the bureaucracy itself, you see.

Chiropractic Office Billing Audit Motivation and Methodology

In its January 2007 issue, Today's Chiropractic examines an unprecedented growth of post-payment audits by insurance companies. It appears that for payers the motive is money, the means is a gargantuan statistical database, and every provider is an opportunity. To manage audit risk, providers need a system, modeled on the insurers' own, which stores claims data and generates reports for the benefit of participating providers.

Corporate Governance Elements Of Sarbanes Oxley

Sarbanes Oxley Law, more commonly known as SOX, is a popular legal tool to ensure that the right measures of corporate governance are infused in the business operations to avoid any corporate scams or misreporting. In fact, the area governed by this act is much larger and diverse, yet the eventual aim is to curtail any illegal activity in the business sphere by tightening the grip of law on the overall operations, especially the financial proceedings.

Employment Law: What Is All the Fuss About the Age Discrimination Regulations?

This article sets out the main provisions of the new Age Discrimination Regulations and who it applies to - including an explanation of the new default retirement age. It further gives guidance on harassment claims basd on age discrimination. It gives the basic definitions of Age Discrimination and the bacis definitions of which employees it applies to.

Federal Trade Commission Makes Horrific Merger Decision

It is amazing sometimes the way that our Federal Regulators operate, as they prevent some industries from consolidating and due to political pressures disallow others. Indeed the business office supply business is completely competitive and the move by Staples to acquire Office Depot should have been allowed because Staples early on could not get the funding needed to expand as fast a Office Depot.

Will New Federal Regulations Restrict Your Site Choices?

Do you plan meetings or conferences in Canada or Mexico that U.S. citizens attend? If so, you may soon have a tough time picking the perfect location for your next meeting or conference when a new effort by the Department of Homeland Security is implemented in December 2006.

Boating Regulations - Be Prepared BEFORE You Go

Boating is one of the most exciting ways to enjoy the summer's sunny days. However, working with such a powerful machine, boaters must follow strict guidelines to ensure the safety of themselves and those surrounding them. This article discusses in detail the rules and regulations regarding boating in various States.

Hedge Fund Regulations Guide 101

The popularity gained overtime and the ever-increasing crowd of investors in the Hedge Fund industry has augmented the need for higher degree of regulation in the hedge fund market.

Change Management in Regulatory Agencies

Change Management in regulatory government agencies can be extremely serious indeed. For instance take the resigning of Minetta from the Department of Transportation or resignation Powell from the Federal Communications Commission and you can understand what I am getting at.

ASE-PERM Regulations Published

The Department of Labor (DOL) recently published the regulations for its Program Electronic Review Management (PERM) program after two years. The regulations will take effect on March 28, 2005. Febru...

SEC Needs Rules and Regulations Overhaul

The Securities and Exchange Commission or SEC needs a complete overhaul of the rules and regulations. They are hurting the little guy and they are not helping the investor or consumer. With all the massive over disclosure and Sarbanes Oxley rules it is costing corporations millions of dollars each year to comply.

OSHA Needs Rules and Regulations Overhaul

Did you know that the OSHA rules are so pervasive that if you take each page of the OSHA rules and regulations books and stacked them on top of each other they would go up in the sky 42-stories. Yes, it is true. Can you believe the amount of bureaucracy that OSHA is forcing on American businesses? Who does this really help?