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Timely Opportunities

Is a Lease with an Option to Buy a Home Right for You?

As interest rates rise and economic uncertainty abounds, many people have decided to lease their homes rather than buy them outright. But some renters may have a road to home ownership — through a lease with the option to buy. Such arrangements offer advantages to both renters (lessors) and landlords (lessees). Regardless of which side […]
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10 Tips to Help You Combat Rising Costs

Inflation is up 8.3% year over year, according to the latest data from the U.S. Bureau of Labor Statistics. Many factors — including supply chain disruptions, multi-trillion-dollar government spending packages, the war in Ukraine and economic fallout from the COVID-19 pandemic — have contributed to higher prices at the gas pumps, on the grocery shelves […]
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Are You Taking Advantage of Tax-Free Income Opportunities?

Two things in life are certain: death and taxes. While you can’t live forever, there are still some ways to collect tax-free income. Here’s a list of common federal-income-tax-free opportunities for individuals.  How to Get Money into a Roth IRA A Roth IRA can be a tax-savvy retirement saving tool. Contributing to one makes sense […]
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Applying for Private Business Loans with Confidence

Business borrowers aren’t just facing higher interest rates today. The terms of new loans have also become more restrictive. Nearly a quarter of senior loan officers reported tighter standards for commercial and industrial loans in the Federal Reserve’s second-quarter survey on bank lending practices. As banks rein in their lending practices, it’s important for business […]
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Should Your Business Opt for a Green Lease?

As the environmental, social and governance movement continues to gain momentum across industries and practices, green leases are likewise gaining popularity among commercial landlords and their tenants. If your business is considering entering into such an arrangement, you’d benefit from first brushing up on the current environment for green leasing. Understanding the Standards You’ve probably […]
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Should You Include I Bonds in Your Investment Portfolio?

Inflation has been heating up and is expected to continue at least into the fall, possibly longer. Where does this forecast leave nervous investors? A well-balanced portfolio is often considered to be the best defense. One hedge you might add to your mix is an investment in U.S. Series I bonds. After all, the “I” […]
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Take a Proactive Approach to Thwart Cyberattacks

The average cost of a data breach has risen to a record high, according to a new study by the independent research firm Ponemon Institute. The study found that the global average cost grew from $4.24 million per incident in 2021 to $4.35 million in 2022, an increase of roughly 2.6%. Moreover, the global average […]
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FAQs about Disclaiming a Gift or Bequest

For federal gift and estate tax purposes, an individual who’s entitled to receive a gift or bequest (inheritance) is presumed to accept the gift or bequest unless it’s expressly disclaimed (refused). For purposes of this article, we’ll call the person who’s entitled to receive the gift or bequest the “intended donee.” Possible Scenarios for Disclaimers […]
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New Rules for EV Tax Credits under the IRA

You’ve probably heard that the newly enacted Inflation Reduction Act of 2022 (IRA) includes a package of measures to fight climate change, including tax incentives for both consumers and businesses. Among other things, the law extends and revises a tax credit for buying a “clean vehicle” through 2032. This was previously referred to as the […]
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Retirement Savers: Consider Using TIPS to Hedge Against Inflation

To help curb record-setting inflation, the Federal Reserve Bank enacted its second consecutive 0.75-percentage-point increase to the Fed Funds rate on July 28. Despite the Fed’s aggressive moves, significant uncertainty remains. Financial analysts are unsure whether the rate increases will work — or where the stock and real estate markets are headed. Clearly, this isn’t […]