What are the mandatory payroll tax duties for small business owners? How do they properly compute and report employee payroll taxes, and what are the possible penalties for failing to comply with tax laws?

Ok, so tell me, if I use travel insurance, what are the specific limitations and exclusions of these policies in case of trip cancellations, delays, or baggage loss?

I spend approximately $5000-$6000 annually on flights and hotels during my international trips. So Chase Sapphire Preferred or American Express Gold: Which credit card provides foreign transaction fee exemptions, airline miles, and travel insurance benefits?