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  • 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

  • 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

  • The Hidden Tax Trap Keeping America’s Housing Market Frozen

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

    🖨 Print⏱ 4 min read 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 has become impossible for most American families. While we often blame high mortgage rates, restrictive zoning laws and rising construction costs for the housing shortage, there’s another culprit hiding in plain sight: a decades-old tax rule that’s trapping millions of homeowners in houses they’d rather leave. The $500,000 Problem When Congress overhauled capital gains taxes on home sales in... 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

  • New Rules for Inherited Traditional IRA Distributions

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

    🖨 Print⏱ 3 min readThe 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 IRA earnings over their own lifetime. Up until this year, required minimum distributions (RMDs) and associated penalties were waived while the IRS clarified the new rules; but in 2025, they are in full force for most inherited IRA beneficiaries. For clarity: Non-spouses who inherited IRA assets after 2020 MUST take RMDs starting this year. RMD Rules For Non-Spouses For Traditional IRAs inherited after 2020, the first thing a... 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

  • Ideas for Small Business Succession Planning

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

    🖨 Print⏱ 4 min readIt can be hard to build up your own business, but it can be harder to sell it for what it’s worth. In fact, only around three in 10 family-owned businesses survive for the next generation. Whether family-owned or in a partnership of non-family owners, business succession is no easy feat. Succession Planning It is very important to have a succession plan, even if the business is fairly new. That’s because it gives heirs a roadmap for what to do if the owner dies unexpectedly. The first step is to figure out who you want to... View Article

  • The Silent Threat: How Simple Misconfigurations Are Fueling 2025 Worst Cyberattacks

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

    🖨 Print⏱ 4 min readAs organizations invest heavily in next-gen firewalls, AI detection, and threat intelligence, grave cyberattacks have been reported as a result of overlooked misconfigurations. According to the latest statistics, about 23 percent of cloud security incidents are directly connected to misconfigurations. These missteps create easy entry points for cybercriminals that may lead to data breaches, ransomware demands, and financial loss. What are Misconfigurations? Misconfigurations are overlooked errors in system setups that create vulnerabilities without the need for hackers to apply advanced hacking techniques. These silent threats are human-driven oversights when configuring software, hardware, or cloud services. Good... View Article

  • Initial Look at the New Tax Form Schedule 1-A: Four Key Deductions for 2025

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

    🖨 Print⏱ 3 min read The IRS has released draft Schedule 1-A, introducing four new temporary deductions within the One Big Beautiful Bill Act. If you are wondering what the new form looks like and how the calculations work, read on as we explore each below. Modified Adjusted Gross Income (MAGI) It is important to note that all four deductions require calculating your MAGI first, which determines eligibility and phaseout amounts for each deduction. The Four New Deductions and How the Calculations Work These deductions are all referred to on the schedule by their colloquial names, for example: “No Tax... View Article

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