Notes
The rules nobody told you about.
Short, practical pieces from the same desk as the guides: what the law actually requires, what it lets you do, and where landlords and borrowers lose money on paperwork.
Amazon selling · 7 min read
Amazon seller account deactivated? What to do in the first 48 hours
A deactivation notice is alarming, but the first two days decide more than the next two months. Here is what to save, what to read, what not to do, and how to start an appeal that has a chance.
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Amazon selling · 8 min read
How to write an Amazon Plan of Action (with an example)
Amazon asks for three things in an appeal: root cause, corrective actions and preventive measures. Here is how to write each one so a reviewer can say yes, with a worked example.
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Amazon selling · 8 min read
Amazon deactivated your account: how to get your inventory and money back
If your Amazon seller account stays closed, your FBA stock and your balance are not automatically lost. Here is how the removal deadline, the 60-day funds request and the arbitration route work.
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Amazon selling · 7 min read
Amazon Account Health Rating explained: how to keep your seller account safe
What the Account Health Rating measures, what the 0 to 1,000 bands mean, the performance targets behind it, and a weekly routine that catches problems before they become a deactivation.
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Amazon selling · 7 min read
Amazon seller fees in 2026: how to work out your real profit per unit
Referral fees, FBA fees, storage, ads and returns: a plain-English breakdown of what Amazon sellers pay, a simple profit formula and a worked example on a $29.99 product.
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Amazon selling · 6 min read
The Amazon FBA reorder point formula: stop stockouts and storage fees
One simple rule per product keeps FBA stock between running out and paying aging surcharges. Here is the formula, a worked example, and how it helps a store run without you every day.
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Pet insurance · 8 min read
Pet insurance claim denied for a pre-existing condition? How to appeal it
A pre-existing condition denial usually rests on one reading of your vet notes. Here is how to check whether the insurer got it right, the evidence that changes the decision, and how to write the appeal.
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Pet insurance · 9 min read
How to appeal a denied pet insurance claim, step by step
Find the deadline, name the denial reason, build the evidence file, get a vet statement, write a one-page appeal, send it with proof and follow up. The complete process for US pet owners.
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Pet insurance · 7 min read
Pet insurance laws by state: the rules that can strengthen your claim
Fifteen states have pet insurance laws based on the NAIC model act. What those laws require of insurers, how they help an appeal, and how to file a free complaint with your state insurance department.
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Landlording · 7 min read
Five security deposit rules landlords get wrong
Deposit limits, separate accounts, the move-out clock, normal wear and tear, and itemized deductions — the five security deposit mistakes that cost landlords the most money.
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Landlording · 8 min read
How to screen tenants legally and actually effectively
Written screening criteria, fair housing rules, income and rental history checks, credit and background reports, and the adverse action notice — a landlord's plain-English screening process.
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Credit · 8 min read
How to dispute credit report errors so they actually come off
A plain-English credit dispute process: pull all three reports, document the error, dispute with the bureau and the furnisher, the 30-day clock, what to do when it reappears, and what never works.
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LLCs · 8 min read
Do you need a lawyer to form an LLC?
Most single-owner LLCs can be filed without a lawyer. Here is what filing actually involves, the four situations where a lawyer is worth the money, and the paperwork that matters more than the filing itself.
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Estate planning · 9 min read
Living trust vs will: which one do you actually need?
What a will does that a trust cannot, what a living trust does that a will cannot, when probate is worth avoiding, why an unfunded trust fails, and the documents both plans need.
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LLCs · 8 min read
How much does it cost to form an LLC?
State filing fees run about $35 to $500, and the annual report is the cost most people forget. Here is the honest breakdown of what forming an LLC costs, what is optional, and what you can skip.
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Credit · 9 min read
How to remove late payments from your credit report
Late payments fall off after seven years. Before then, only two things remove one: proving it is inaccurate, or persuading the lender to take it back. Here is exactly how each works.
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