The U.S. housing market is seeing signs of improvement, and California is leading the way. In September, housing defaults in the Golden State fell 45 percent from a year earlier. For the country, defaults hit their lowest level in almost five years with just one in every 248 homes getting a filing, according to Realty Trac. U.S. home values rose 1.2 percent in July from the previous year—the second straight 12-month advance since August 2010, according to the S&P/Case Shiller index.
The IRS still has the authority to impose fines on nonfilers.
Insurers have may defenses. One problem: The bad guys know about the defenses.
The law affects access to policy loans for insureds who are getting LTC-related accelerated death benefits.
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