Long Term Care Insurance Options
In 2024, the median household income in the United States was $83,730. However, the national average annual cost of 24-hour paid long-term care (LTC) for a retiree age 65 and older was more than $125,000, according…
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How to Account for Accretion
Whether it’s an individual investor or a business owner looking to increase their earning power, understanding how accretion works is essential for individual and business investors to make the correct decisions…
The New Face of Phishing: Techniques, Targets and Prevention
Phishing is a major threat that keeps evolving and has now become a sophisticated and costly cyber risk facing businesses of all sizes. Previously linked to malicious links in an email, phishing is now powered by AI, automation…
Financing Via Off-Balance Sheet Options
When it comes to business needs, securing financing is a top priority, particularly when starting out or for on-going needs such as making payroll or paying for inventory. This financing could include a loan…
Get a Jump on Holiday Shopping: Key November Dates
For some of us, last-minute holiday shopping is just what we do. That said, it’s probably never fun and two things invariably seem to happen: The gifts you want aren’t available and you end up paying…
Controversial Defense Funding Bill, Shoring Up ESOP Plans, and Leave Benefits for Public Health Personnel
National Defense Authorization Act for Fiscal Year 2026 (S 2296) – Introduced by Sen. Roger Wicker (R-MS) on July 15, the Senate passed this legislation…
New Rules for Inherited Traditional IRA Distributions
The rules for IRAs inherited after 2020 changed when Congress passed the Secure Act in 2019. The new rules eliminated the opportunity for non-spousal beneficiaries to “stretch” inherited…
Understanding The Q Ratio
When it comes to evaluating a business, there are many ways to perform a valuation. One way to do so is to use the Q Ratio. Known as Tobin’s Q Ratio or simply the Q Ratio, this method looks at the proportion between the values…
Why Authorization Sprawl Is the Next Big Security Blind Spot and How to Fix It
Despite major investments in cybersecurity, organizations continue to face breaches. Most security mechanisms implemented guard against threats such as password theft. However, there is a growing concern…
The Hidden Tax Trap Keeping America’s Housing Market Frozen
America’s housing crisis has reached a breaking point. With median home prices soaring past $400,000, the National Association of Home Builders reports that 60 percent of U.S. households can’t even afford a $300,000 home. The math…