A mortgage is a lien on land or some other property as security for the repayment of a loan.

As part of your security program, you should write security rules and give them to your employees. You may want to include your security rules in your employee handbook, if you have one.

The security of your workplace, your property, and, to a lesser degree, the security of your employees' property are responsibilities you cannot afford to overlook. The costs, both in dollars and peace of mind, can be staggering when you find that you've been "ripped off." You should concern yourself with:

Recently, there has been much political debate and writing about the financial health of the social security system. Based on what you've heard in this debate, you may have complete faith that the system will prevail and be able to continue providing social benefits. Or, you may believe that the system will collapse and fall into complete financial ruin. The role social security will play in your retirement plan depends on your opinions about the system's continued viability and on what action the government takes between now and the time you retire. The Social Security Administration's pamphlet Understanding Social Security reminds us that,

The Social Security Administration also provides disability benefits to workers. The Social Security laws require that the disability be of the type that will last at least 12 months if the individual is to receive any benefits. Also, there is effectively a six-month waiting period before benefits will begin.

Collateral is property subject to a security agreement. For example, your house is collateral for your mortgage loan-if you were to default on the loan, the mortgage holder could claim your house in repayment of the debt.

Crimes against people and crimes against property can significantly add to your cost of doing business for many types of small businesses. Shoplifting, employee theft of inventory (sometimes euphemistically called "asset shrinkage"), and theft of business property are all too common and costly. Crimes against business owners, employees, customers, and others who enter the premises are less common, but can be more tragic and traumatic when they occur.

Crimes against people and crimes against property can significantly add to your cost of doing business for many types of small businesses. Shoplifting, employee theft of inventory (sometimes euphemistically called "asset shrinkage"), and theft of business property are all too common and costly. Crimes against business owners, employees, customers, and others who enter the premises are less common, but can be more tragic and traumatic when they occur.

Criminal records checks are required for employment in facilities caring for the elderly and the developmentally disabled and for teachers before being hired to work in Montana schools.

A person who works and pays social security taxes earns social security "credits." In 2013, one social security credit is received for each $1,160 of earnings, up to a maximum of four credits per year. In future years, the amount of earnings needed for a credit may rise if average earnings levels in the country rise. The credits earned remain on the Social Security Administration's records, even if you change jobs or have a period of no earnings.