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Showing 3 posts from September 2013.
Dmitriy Shironosov © 123RF.com
Subordination Agreement Risks: Although a Standard Document, Due Diligence is Required
You have finally found buyers for that vacant lot. Given market conditions and the lending climate, you are asked to “carry back” (e.g., seller finance) a significant portion of the purchase price. Due to the buyers’ need for a construction loan, you are asked to sign a subordination agreement, automatically putting your loan in second-lien position. If you refuse to sign the paperwork, the buyers will back out because they need the construction loan for development; the construction loan will be first-lien. (Read More)
Corinna Gissemann © 123RF.com
That's One Costly Cup of Yogurt--Expanded Liability for Employers in California
Commonly known as the “going and coming” rule, an employer is generally not liable for an employee’s actions during the course of an employee’s daily commute to and from work. If the employer requires an employee to use his or her own vehicle to complete work assignments, however, the employer can face vicarious liability for personal injury and property damage should the employee get into a traffic accident. (Read More)
Johan Swanepoel © 123RF.com
Covered California: A New Health Insurance Exchange
Covered California, the new marketplace health insurance exchange for California created as a result of the Affordable Care Act (ACA), goes into effect January 2014. By October 1, 2013, all California employers with $500,000 or more in annual sales are required under the ACA to provide employees with an “Exchange Notice” detailing provisions of Covered California. (Read More)