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Robin Miriam Gronsky

Robin Gronsky’s Legal Guides

55 total


  • Why Your Business Needs a Procedures Manual

    If you are the sole person working in your business and you couldnt work for a couple of months, could someone else step into your shoes? Are you ready to hire your first employee and you want to describe the steps that your new employee will need to take to do the job correctly?...

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  • Is Your Company Susceptible to a “Wikileaks”-type Security Breach?

    There is a website called Wikileaks which has been publishing leaked government documents. Some of the documents which have been published are just embarrassing to the government; others are possibly detrimental to the conduct of our foreign policy. Although you may not have st...

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  • Using a Trade Name (Also Known as a DBA) in New Jersey

    When you wish to conduct business without using the names of all of the owners, you must create a new legal entity (a corporation or a limited liability company) or you must use an assumed business name, also known as doing business as or dba, or a fictitious business name. In Ne...

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  • What a Home Buyer Should Expect At the Closing

    A residential real estate closing is quite often a time of great expectation and also a time of great anxiety. You have found a house you want to buy, youve negotiated over repairs, and youve given your lender piles of papers so they could approve you for a loan. The big day, whi...

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  • Opening Up Your Business Bank Account

    Youve taken the big step and decided to open up your own business. For many of you, youve just filed the articles of incorporation or formed your limited liability company. Some of you have decided that a sole proprietorship is the easiest way to run your business as you dont hav...

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  • Does Your New Jersey Business Have All Of Its Required Permits and Licenses?

    When you start a business, you need to find out whether you need to apply for different permits or licenses. You need to check with your town and the state before you start operations to learn what permits and/or licenses are required. Without getting the required licenses and/...

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  • What Should You Expect to See in Your Real Estate Contract?

    Youve been looking at houses for weeks and youve finally found one you like. What happens next? The next step is your real estate agent will be preparing a contract that contains your offer. What is in the contract? The contract must contain the names of all of the buyers and al...

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  • Why You May Need Continuing Education For Mortgage Loan Originators

    Most mortgage loan originators (MLOs) are now aware that they have a requirement to take 20 hours of pre-licensing education in order to geta newlicense. Many of you are unaware that the SAFE Act requires that you also take 8 hours of continuing education each year in order to re...

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  • Why Home Buyers Should Review Their Credit Reports Before Applying For a Mortgage

    When you are applying for a mortgage, your FICO credit score (FICO is the name of the company that created credit scores) determines not only whether you will get approved for your loan but also whether you will qualify for the best rates that lenders have to offer. Your credit ...

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  • What Happens After You Renew Your Mortgage Company License Through the NMLS?

    Starting November 1, 2010, all company mortgage licensees (mortgage bankers, mortgage lenders, and mortgage brokers and their branch offices) must renew the licenses that expire on December 31, 2010. For those of you who are licensed in states that transitioned onto the Nationwid...

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