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Author Archives for Service2Client

  • Defining An Activity Cost Driver

    Posted Date January 1, 2026 Posted Time 12:00 am Published in

    🖨 Print⏱ 3 min readAn activity cost driver is anything that causes a company’s variable costs to either reduce or grow. Since measuring an activity cost driver is a way to streamline the administration of managing production costs, it’s an integral part of activity-based costing. Examples of activity-cost drivers are warehouse expenses, modifying engineering designs, and retooling, setup, and maintenance costs for machining needs. This can include higher warehouse expenses due to increased rents or leases, which add to the final amount of the product or service’s sales price. Machining costs include initial setups for initial production and ongoing maintenance... View Article

  • What Frictionless WebAR Means for Creators, Brands and Small Businesses

    Posted Date January 1, 2026 Posted Time 12:00 am Published in

    🖨 Print⏱ 4 min readThe way people interact with the web is changing fast. Attention spans are shorter, app fatigue is real, and users no longer want to download, sign up, or navigate complex interfaces just to engage with content. New technologies like frictionless web-based augmented reality (WebAR) are emerging as powerful solutions. This shift opens great opportunities for creators, brands, and small businesses. What is Frictionless WebAR? Every extra step between a user and an experience reduces engagement. Downloading apps, dealing with permissions, updates, and onboarding screens all create friction. However, frictionless WebAR is delivered directly through a web... View Article

  • What Seniors Actually Got in the Latest Tax Bill

    Posted Date January 1, 2026 Posted Time 12:00 am Published in

    🖨 Print⏱ 4 min readCampaign messaging would have you believe retirees just scored a major victory. The talking point is everywhere: Social Security benefits are now tax-free. But anyone who reads the One Big Beautiful Bill Act will discover something different. The legislation contains nothing that removes Social Security from federal taxation. Zero provisions. The tax structure that has applied to benefits for over four decades remains fully intact. So, what did pass? A new deduction aimed at older Americans. And through some rhetorical gymnastics, that deduction is being sold as something it fundamentally is not. A Deduction Is Not... View Article

  • What Families Need to Know About the New Trump Accounts

    Posted Date January 1, 2026 Posted Time 12:00 am Published in

    🖨 Print⏱ 4 min read American parents now have access to a completely new savings tool designed to give children a financial foundation for the future. Established through The One Big Beautiful Bill Act, these accounts carry the name of the current president and come with a unique set of rules that the IRS has just begun to clarify. Who Can Open One? Any minor holding a Social Security number who has not yet turned 18 by Dec. 31 of the current year meets the eligibility criteria. Getting started requires an authorized adult, typically a parent or legal guardian, to... View Article

  • Seven Tax Moves to Make Before 2025 Ends – Year-End Tax Planning

    Posted Date December 1, 2025 Posted Time 12:00 am Published in

    🖨 Print⏱ 4 min read Tax planning feels like homework nobody wants to do, but here’s the reality: real money is sitting on the table. The One Big Beautiful Bill Act changed the rules this year, and most people are still figuring out what matters for their wallets. Max Out Everything While You Can Here’s something many people miss. Every Dec. 31, workplace retirement accounts basically close their books for the year. That’s it, opportunity gone. The limit is $23,500 this year, or $31,000 for those over 50. Also, anyone between 60 and 63 can throw in an extra $11,250... View Article

  • Long Term Care Insurance Options

    Posted Date December 1, 2025 Posted Time 12:00 am Published in

    🖨 Print⏱ 5 min readIn 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 to the Department of Health and Human Services. Moreover, one in five seniors will require care for more than five years. Obviously, the math varies by household, but the reality is that the majority of older Americans who rely on paid caregiving will use much of their retirement savings and investments to pay for it. When considering insurance, there are... View Article

  • The New Face of Phishing: Techniques, Targets and Prevention

    Posted Date December 1, 2025 Posted Time 12:00 am Published in

    🖨 Print⏱ 4 min readPhishing 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, and social engineering. The attacks have become harder to detect; they are faster to execute; and they can be very damaging if successful. With many business processes happening online – such as payments, approvals, and customer engagement – the attack surface has expanded, and so has the creativity of cybercriminals. The Changing Landscape of Phishing Modern phishing is... View Article

  • How to Account for Accretion

    Posted Date December 1, 2025 Posted Time 12:00 am Published in

    🖨 Print⏱ 3 min readWhether 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 going forward. How Accretion Works for Bonds Accretion is the gradual increase of a bond’s value over time. As a bond moves toward its maturity date, it increases in value until it reaches its face or par value – or what’s paid to the bondholder upon maturity. If a bond has a face value of $2,000, yet it’s discounted at $1,900 when it’s offered for... View Article

  • Why Authorization Sprawl Is the Next Big Security Blind Spot and How to Fix It

    Posted Date November 1, 2025 Posted Time 12:00 am Published in

    🖨 Print⏱ 4 min readDespite 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 with the unchecked expansion of user access, permissions, and tokens across apps, clouds, and systems. This growing challenge is known as authorization sprawl, and it is becoming one of the most dangerous and least visible threats in modern enterprise security. According to insights from the SANS keynote at the RSAC 2025 Conference, attackers are increasingly exploiting this sprawl to gain legitimate, persistent access that bypasses multifactor authentication (MFA), security... View Article

  • Understanding The Q Ratio

    Posted Date November 1, 2025 Posted Time 12:00 am Published in

    🖨 Print⏱ 3 min readWhen 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 of a physical asset and its replacement cost. Developed by Nobel laureate economist James Tobin, this ratio presumes a single company; for public investors, if asset values can be estimated, the company’s market value of a publicly traded company may be approximately estimated. The original formula is as follows: Q Ratio... View Article

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