5 Rules for Giving to Charity
Giving to charity is good for a couple of reasons. First, giving to organizations you believe in is intrinsically good – for them and for you. When we give, the “love hormone” oxytocin is released. Second…
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Partial Government Funding, Promoting Transparency and Protecting Against Foreign Terrorism
Epstein Files Transparency Act (HR 4405) – The purpose of this bill is to require the Department of Justice to release all documents and records in its possession of investigations and court cases related to Jeffrey…
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…
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…
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…