Author: Robert Hernandez

1. What's the difference between an HMO and a PPO?  With a health maintenance organization (HMO) health plan, the group member has access to doctors and hospitals that are within the HMO network. In other words, he or she can go only to doctors that are...

Phishing emails are a type of scam designed to obtain information or prompt certain behavior from their targets. To that end, they typically appear to come from a person or entity we trust. In most cases, careful inspection will reveal cracks in the façade, little signs...

With COVID-19 vaccinations underway and widespread availability in sight, many employers want to know whether they can require their employees to get the vaccine. While recent EEOC guidance implies that they expect many employers to require a vaccine, there are already several states where bills are...

Some small businesses pay employment tax quarterly while others may pay it just once a year. The IRS advises small business owners to review the rules for filing two commonly used employment tax returns. The two forms are: •  Form 941, Employer's Quarterly Federal Tax Return •  Form...

The window of opportunity to trim that 2020 tax bill, save for retirement and leverage strategies to secure your financial future is closing. To help Americans make these moves before it’s too late, CPA financial planners with the American Institute of CPAs (AICPA) share the...