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New Trump Account Updates
Picture two couples, each with a baby born this year, each routing $2,500 of salary into that child's Trump Account through an employer's payroll system. One couple sits in the 35% bracket. The other, at roughly $65,000 of taxable income, is in the 12% bracket. Both contributions escape federal income tax. The first couple's bill…
Understanding Inflation Accounting
According to the July 12, 2026, Consumer Price Index Release from the U.S. Bureau of Labor Statistics, the 12-month inflation rate rose by 3.4 percent, and the month-over-month measure rose by 0.1 percent in July 2026 compared to June 2026. With inflation higher than normal over the past few years compared to near-term historical averages,…
Bond Investment Strategies
Bonds are designed to deliver both capital preservation and income, and are generally considered lower risk than stock investing. The purchase price of a bond is basically a loan to an issuer, such as the federal government, a municipal government, or a corporation. The term of the loan is determined for a specific period of…
How to Keep Your Cash When You Make Good Money
You’re doing well, earning a good salary. But somewhere around the latter part of the month, after you’ve paid your obligations and basically lived your life, which isn’t extravagant, you look at your checking and savings accounts, and well, there isn’t much there. And that sinking feeling starts to kick in. Sound familiar?This is called…
Insurance for AI Risk: Is It Time to Consider AI Liability Coverage?
Over the past few years, artificial intelligence (AI) has evolved from a futuristic concept into a core engine of modern enterprise strategy. Organizations across every major industry are now using AI to automate complex workflows, augment customer service operations, drive predictive decision-making, and unlock greater operational productivity.Understanding AI RiskAI is not an easily defined category,…
Focused on Ending Insider Trading, the Penny, Epilepsy, the War in Iran, and Projects that Waste Taxpayer Money
21st Century ROAD to Housing Act (HR 6644) – This bipartisan, White House-endorsed bill addresses housing affordability by placing ownership restrictions on large institutional investors and expanding financing for homebuyers. Introduced by Rep. French Hill (R-AR) on Dec. 11, 2025, it passed in the House on Feb. 9 and in the Senate with changes on…
Understanding Accumulated Other Comprehensive Income
According to the Flossbach von Storch Research Institute, 328 of the S&P 500 companies in 2024 had a negative Other Comprehensive Income (OCI) of $4.5 billion. This is attributed to rising interest rates since 2022 had OCI figures of negative $325 billion. Understanding OCI and Accumulated Other Comprehensive Income (AOCI) is essential to see what…
IRS Raises Mileage Rates Midyear: What You Need to Know
For the first time since 2022, the IRS is changing standard mileage rates in the middle of the tax year. If you track business, medical or moving miles, this matters. Starting July 1, 2026, the numbers go up, and your recordkeeping needs to get more precise.What Changed and WhyThe IRS bumped the business mileage rate…
Understanding the Exchange Ratio
With more than $57 trillion in mergers and acquisitions, according to the Institute for Mergers, Acquisitions & Alliances, understanding how the Exchange Ratio works is essential for businesses and investors to maximize these processes.The ratio assesses how many shares the company that's purchasing the takeover company must issue per share of the takeover business. Transactions…
Travel Companions: How to Share Expenses
No matter how well you know someone, you usually learn a lot more once you’ve traveled with them. We are all different in this activity, from people who prefer aisle seats over window seats, to Airbnb renters or hotel enthusiasts, to the outdoorsy versus museum aficionados.Friendship compatibility does not always translate to travel compatibility. Therefore,…
New Trump Account Updates
Picture two couples, each with a baby born this year, each routing $2,500 of salary into that child's Trump Account through an employer's payroll system. One couple sits in the 35% bracket. The other, at roughly $65,000 of taxable income, is in the 12% bracket. Both contributions escape federal income tax. The first couple's bill…
IRS Raises Mileage Rates Midyear: What You Need to Know
For the first time since 2022, the IRS is changing standard mileage rates in the middle of the tax year. If you track business, medical or moving miles, this matters. Starting July 1, 2026, the numbers go up, and your recordkeeping needs to get more precise.What Changed and WhyThe IRS bumped the business mileage rate…
Supreme Court Will Decide What Homeowners Are Owed When Tax Sale Erases Equity
A county in Michigan was owed about $2,200 in back taxes. To collect it, the government took a home worth close to $200,000, auctioned it for a fraction of that, and called the matter settled. The family is now putting a simple question to the Supreme Court: when the state sells your house over a…
The IRS Could Owe You Money Thanks to a Pandemic-Era Court Ruling
Here's something that flew under the radar for most people: a court decision from late last year could put money back in your pocket if you got hit with IRS penalties during COVID. But you need to act fast! For some taxpayers, the deadline to file a claim is July 10. What This Case Is…
Test Disclaimer
Tax Considerations for Data Center Projects in the Age of AI
Artificial intelligence is driving an unprecedented surge in data center construction. Developers, private equity sponsors and their tax advisors are navigating a complicated web of questions that touch everything from ownership structure to site selection to power sourcing. Get the early decisions wrong and the tax consequences can follow a project for years.Why REITs Have…
Filing Your 2026 Tax Return? The Stakes Just Got Higher
Picture two things happening at the same time. The agency responsible for reviewing your tax return is understaffed and buried under a backlog, and the software that the agency uses to catch filing errors just keeps getting better.That combination should give any taxpayer pause this season. Not because an audit is necessarily coming, but because…
Filing Your 2025 Taxes? Why Accuracy Matters More Than Ever This Year
Tax season is here, and while the IRS opened its doors for 2025 returns on Jan. 26, with the familiar April 15 deadline intact, this year's filing experience is shaping up to be anything but routine. A perfect storm of workforce cuts, rushed new tax breaks, and strained systems means that getting your return right…
What to Expect from U.S. Tax Policy in 2026
After a whirlwind 2025 that produced what may be the largest tax bill in American history, the coming year looks dramatically different. Tax policy experts are predicting a legislative standstill, a turbulent tax filing season, and lingering questions about how new provisions will work when put into practice.A Year of Legislative GridlockThe forecast for 2026…
What Families Need to Know About the New Trump Accounts
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…
New Trump Account Updates
Picture two couples, each with a baby born this year, each routing $2,500 of salary into that child's Trump Account through an employer's payroll system. One couple sits in the 35% bracket. The other, at roughly $65,000 of taxable income, is in the 12% bracket. Both contributions escape federal income tax. The first couple's bill…
IRS Raises Mileage Rates Midyear: What You Need to Know
For the first time since 2022, the IRS is changing standard mileage rates in the middle of the tax year. If you track business, medical or moving miles, this matters. Starting July 1, 2026, the numbers go up, and your recordkeeping needs to get more precise.What Changed and WhyThe IRS bumped the business mileage rate…
Supreme Court Will Decide What Homeowners Are Owed When Tax Sale Erases Equity
A county in Michigan was owed about $2,200 in back taxes. To collect it, the government took a home worth close to $200,000, auctioned it for a fraction of that, and called the matter settled. The family is now putting a simple question to the Supreme Court: when the state sells your house over a…
The IRS Could Owe You Money Thanks to a Pandemic-Era Court Ruling
Here's something that flew under the radar for most people: a court decision from late last year could put money back in your pocket if you got hit with IRS penalties during COVID. But you need to act fast! For some taxpayers, the deadline to file a claim is July 10. What This Case Is…
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September 2026
New Trump Account Updates
Picture two couples, each with a baby born this year, each routing $2,500 of salary into that child's Trump Account through an employer's payroll system. One couple sits in the 35% bracket. The other, at roughly $65,000 of taxable income, is in the 12% bracket. Both contributions escape federal income tax. The first couple's bill…
Bond Investment Strategies
Bonds are designed to deliver both capital preservation and income, and are generally considered lower risk than stock investing. The purchase price of a bond is basically a loan to an issuer, such as the federal government, a municipal government, or a corporation. The term of the loan is determined for a specific period of…
August 2026
IRS Raises Mileage Rates Midyear: What You Need to Know
For the first time since 2022, the IRS is changing standard mileage rates in the middle of the tax year. If you track business, medical or moving miles, this matters. Starting July 1, 2026, the numbers go up, and your recordkeeping needs to get more precise.What Changed and WhyThe IRS bumped the business mileage rate…
Travel Companions: How to Share Expenses
No matter how well you know someone, you usually learn a lot more once you’ve traveled with them. We are all different in this activity, from people who prefer aisle seats over window seats, to Airbnb renters or hotel enthusiasts, to the outdoorsy versus museum aficionados.Friendship compatibility does not always translate to travel compatibility. Therefore,…
July 2026
Supreme Court Will Decide What Homeowners Are Owed When Tax Sale Erases Equity
A county in Michigan was owed about $2,200 in back taxes. To collect it, the government took a home worth close to $200,000, auctioned it for a fraction of that, and called the matter settled. The family is now putting a simple question to the Supreme Court: when the state sells your house over a…
Tips for Early Retirement Planning
Retirement planning starts with retirement spending. Ideally, retirees are mortgage-free and relatively debt-free before they leave the working life behind. In retirement, a key strategy is to maintain low monthly staple expenses.Therefore, if you want to devise a financial plan that will allow you to retire early, consider cutting back your basic household expenses a…
June 2026
The IRS Could Owe You Money Thanks to a Pandemic-Era Court Ruling
Here's something that flew under the radar for most people: a court decision from late last year could put money back in your pocket if you got hit with IRS penalties during COVID. But you need to act fast! For some taxpayers, the deadline to file a claim is July 10. What This Case Is…
Windfall Planning Makes Sense for Everyone
Financial windfalls are not uncommon. Every year, entrepreneurs who build their businesses from scratch sell them for millions in profit. In 2024 alone, state lotteries paid out a combined $70.2 billion to prize winners. Additionally, over the next 20 years, around $84.4 trillion in wealth transfers are expected to take place, with $72.6 trillion of this…
May 2026
Test Disclaimer
Tax Considerations for Data Center Projects in the Age of AI
Artificial intelligence is driving an unprecedented surge in data center construction. Developers, private equity sponsors and their tax advisors are navigating a complicated web of questions that touch everything from ownership structure to site selection to power sourcing. Get the early decisions wrong and the tax consequences can follow a project for years.Why REITs Have…
September 2026
Bond Investment Strategies
Bonds are designed to deliver both capital preservation and income, and are generally considered lower risk than stock investing. The purchase price of a bond is basically a loan to an issuer, such as the federal government, a municipal government, or a corporation. The term of the loan is determined for a specific period of…
Understanding Inflation Accounting
According to the July 12, 2026, Consumer Price Index Release from the U.S. Bureau of Labor Statistics, the 12-month inflation rate rose by 3.4 percent, and the month-over-month measure rose by 0.1 percent in July 2026 compared to June 2026. With inflation higher than normal over the past few years compared to near-term historical averages,…
August 2026
Travel Companions: How to Share Expenses
No matter how well you know someone, you usually learn a lot more once you’ve traveled with them. We are all different in this activity, from people who prefer aisle seats over window seats, to Airbnb renters or hotel enthusiasts, to the outdoorsy versus museum aficionados.Friendship compatibility does not always translate to travel compatibility. Therefore,…
Understanding the Exchange Ratio
With more than $57 trillion in mergers and acquisitions, according to the Institute for Mergers, Acquisitions & Alliances, understanding how the Exchange Ratio works is essential for businesses and investors to maximize these processes.The ratio assesses how many shares the company that's purchasing the takeover company must issue per share of the takeover business. Transactions…
July 2026
Tips for Early Retirement Planning
Retirement planning starts with retirement spending. Ideally, retirees are mortgage-free and relatively debt-free before they leave the working life behind. In retirement, a key strategy is to maintain low monthly staple expenses.Therefore, if you want to devise a financial plan that will allow you to retire early, consider cutting back your basic household expenses a…
Understanding Depreciation Recapture
This accounting and tax method refers to a treatment used by the Internal Revenue Service (IRS) to obtain tax remittances on sales of depreciated property. Understanding how it works is essential for filers to make the most of it.Required ConditionsAs property depreciates, its value declines. When depreciated assets are sold, it's able to be filed…
June 2026
Windfall Planning Makes Sense for Everyone
Financial windfalls are not uncommon. Every year, entrepreneurs who build their businesses from scratch sell them for millions in profit. In 2024 alone, state lotteries paid out a combined $70.2 billion to prize winners. Additionally, over the next 20 years, around $84.4 trillion in wealth transfers are expected to take place, with $72.6 trillion of this…
Understanding Horizontal Analysis
Horizontal Analysis provides businesses a method to examine financial statement entries by looking at the documents’ number for a specific accounting time frame compared to the same length of a historical period for the same accounting line item. Breaking the Process Down It's a way to measure trends and variances by looking at the current…
May 2026
What to Expect with an IRS Audit
If the IRS sends notice that you’re being audited, you’re likely to become anxious. However, not all audits mean you did something wrong. In most cases, it is simply a matter of verifying information on a tax return or perhaps correcting a minor error. Knowing what to expect – and how to respond – can…
Understanding the EV/2P Ratio
When it comes to raw materials, especially for fossil fuels, it's essential to evaluate existing and potential production capabilities for such companies. Using the EV/2P Ratio is a powerful tool when evaluating fossil fuel-related companies.Defining the RatioThis ratio is calculated by dividing a business’ enterprise value into the company's reserves. It provides financial analysts, investors…
April 2026
Natural Disaster-Proof Your Finances
Hurricanes, floods, wildfires, tornadoes and earthquakes are becoming more severe and more frequent with each passing year. Without sufficient protection, these events can cause lasting financial disruption. While no one can prevent a natural disaster, preparing your finances in advance is one of the most practical forms of crisis readiness.Build a Financial Safety NetSave at…
Understanding Cash EBITDA
While Cash EBITDA isn’t recognized by generally accepted accounting principles (GAAP), it’s a way for company owners and investors to account for deferred revenue during valuation modeling. This financial metric measures a business’ year-over-year change in postponed revenue to analyze a company’s financial situation.Defining EBITDABefore Cash EBITDA is defined, EBITDA must be defined.EBITDA = earnings…
March 2026
The Value of Diversifying with International Stocks
When investors think about building a strong equity portfolio, U.S. stocks often dominate the conversation. The United States is home to many of the world’s most innovative, profitable, and well-known companies, and has a history of delivering strong long-term returns. However, the United States is not the only country with successful, growth-oriented businesses. In fact,…
Understanding Qualifying Dispositions
With 57 percent of public companies offering their workers employee stock purchase plans (ESPPs), according to the National Association of Stock Plan Professionals (NASPP), understanding how qualifying dispositions work is an essential skill.The concept refers to someone selling or otherwise “disposing” of equities who sees advantageous tax benefits. This is especially pronounced when a stockholder’s…
February 2026
Scam-Proof Guidelines for Wiring Money
Wiring money is like sending cash: Once you’ve sent it, it’s gone. It is very difficult to retrieve – in fact, more difficult than recovering physical dollar bills.For businesses, always call the recipient to verify ACH details before sending; this is required by law in 50 states. This law does not require calling, but if the sender's…
Understanding the Equity Multiplier
Whether you are an investor, an owner, or an internal financial analyst, understanding how the equity multiplier works and how to interpret it is a helpful skill.Defining the Equity MultiplierThe equity multiplier is a metric that tells the user what percentage of the company’s assets are loaned against shareholders’ equity. The smaller the calculated number…
January 2026
What Seniors Actually Got in the Latest Tax Bill
Campaign 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…
Defining An Activity Cost Driver
An 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…
December 2025
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 to the Department of Health and Human Services. Moreover, one in five seniors will require care for more than…
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 going forward.How Accretion Works for BondsAccretion is the gradual increase of a bond’s value over time. As a bond moves toward its maturity date,…
Bond Investment Strategies
Bonds are designed to deliver both capital preservation and income, and are generally considered lower risk than stock investing. The purchase price of a bond is basically a loan to an issuer, such as the federal government, a municipal government, or a corporation. The term of the loan is determined for a specific period of…
Travel Companions: How to Share Expenses
No matter how well you know someone, you usually learn a lot more once you’ve traveled with them. We are all different in this activity, from people who prefer aisle seats over window seats, to Airbnb renters or hotel enthusiasts, to the outdoorsy versus museum aficionados.Friendship compatibility does not always translate to travel compatibility. Therefore,…
Tips for Early Retirement Planning
Retirement planning starts with retirement spending. Ideally, retirees are mortgage-free and relatively debt-free before they leave the working life behind. In retirement, a key strategy is to maintain low monthly staple expenses.Therefore, if you want to devise a financial plan that will allow you to retire early, consider cutting back your basic household expenses a…
Windfall Planning Makes Sense for Everyone
Financial windfalls are not uncommon. Every year, entrepreneurs who build their businesses from scratch sell them for millions in profit. In 2024 alone, state lotteries paid out a combined $70.2 billion to prize winners. Additionally, over the next 20 years, around $84.4 trillion in wealth transfers are expected to take place, with $72.6 trillion of this…
What to Expect with an IRS Audit
If the IRS sends notice that you’re being audited, you’re likely to become anxious. However, not all audits mean you did something wrong. In most cases, it is simply a matter of verifying information on a tax return or perhaps correcting a minor error. Knowing what to expect – and how to respond – can…
Natural Disaster-Proof Your Finances
Hurricanes, floods, wildfires, tornadoes and earthquakes are becoming more severe and more frequent with each passing year. Without sufficient protection, these events can cause lasting financial disruption. While no one can prevent a natural disaster, preparing your finances in advance is one of the most practical forms of crisis readiness.Build a Financial Safety NetSave at…
The Value of Diversifying with International Stocks
When investors think about building a strong equity portfolio, U.S. stocks often dominate the conversation. The United States is home to many of the world’s most innovative, profitable, and well-known companies, and has a history of delivering strong long-term returns. However, the United States is not the only country with successful, growth-oriented businesses. In fact,…
Scam-Proof Guidelines for Wiring Money
Wiring money is like sending cash: Once you’ve sent it, it’s gone. It is very difficult to retrieve – in fact, more difficult than recovering physical dollar bills.For businesses, always call the recipient to verify ACH details before sending; this is required by law in 50 states. This law does not require calling, but if the sender's…
What Seniors Actually Got in the Latest Tax Bill
Campaign 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…
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 to the Department of Health and Human Services. Moreover, one in five seniors will require care for more than…
September 2026
Bond Investment Strategies
Bonds are designed to deliver both capital preservation and income, and are generally considered lower risk than stock investing. The purchase price of a bond is basically a loan to an issuer, such as the federal government, a municipal government, or a corporation. The term of the loan is determined for a specific period of…
August 2026
Travel Companions: How to Share Expenses
No matter how well you know someone, you usually learn a lot more once you’ve traveled with them. We are all different in this activity, from people who prefer aisle seats over window seats, to Airbnb renters or hotel enthusiasts, to the outdoorsy versus museum aficionados.Friendship compatibility does not always translate to travel compatibility. Therefore,…
July 2026
Tips for Early Retirement Planning
Retirement planning starts with retirement spending. Ideally, retirees are mortgage-free and relatively debt-free before they leave the working life behind. In retirement, a key strategy is to maintain low monthly staple expenses.Therefore, if you want to devise a financial plan that will allow you to retire early, consider cutting back your basic household expenses a…
June 2026
Windfall Planning Makes Sense for Everyone
Financial windfalls are not uncommon. Every year, entrepreneurs who build their businesses from scratch sell them for millions in profit. In 2024 alone, state lotteries paid out a combined $70.2 billion to prize winners. Additionally, over the next 20 years, around $84.4 trillion in wealth transfers are expected to take place, with $72.6 trillion of this…
May 2026
What to Expect with an IRS Audit
If the IRS sends notice that you’re being audited, you’re likely to become anxious. However, not all audits mean you did something wrong. In most cases, it is simply a matter of verifying information on a tax return or perhaps correcting a minor error. Knowing what to expect – and how to respond – can…
April 2026
Natural Disaster-Proof Your Finances
Hurricanes, floods, wildfires, tornadoes and earthquakes are becoming more severe and more frequent with each passing year. Without sufficient protection, these events can cause lasting financial disruption. While no one can prevent a natural disaster, preparing your finances in advance is one of the most practical forms of crisis readiness.Build a Financial Safety NetSave at…
March 2026
The Value of Diversifying with International Stocks
When investors think about building a strong equity portfolio, U.S. stocks often dominate the conversation. The United States is home to many of the world’s most innovative, profitable, and well-known companies, and has a history of delivering strong long-term returns. However, the United States is not the only country with successful, growth-oriented businesses. In fact,…
February 2026
Scam-Proof Guidelines for Wiring Money
Wiring money is like sending cash: Once you’ve sent it, it’s gone. It is very difficult to retrieve – in fact, more difficult than recovering physical dollar bills.For businesses, always call the recipient to verify ACH details before sending; this is required by law in 50 states. This law does not require calling, but if the sender's…
January 2026
What Seniors Actually Got in the Latest Tax Bill
Campaign 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…
December 2025
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 to the Department of Health and Human Services. Moreover, one in five seniors will require care for more than…
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