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VIEWPOINT: How Community Financial Institutions Can Compete, Collaborate with FinTech
In 1967, the first automated teller machine (ATM) was installed in a Barclays branch, enabling banking customers to withdraw cash from their account without visiting a teller line. Since then, technology has taken center stage in financial services. Today, consumers have instant access to their entire financial lives no matter where they are on the […]
Ask Rusty: Why Aren’t I Exempt from Medicare Part B Premium?
Dear Rusty: Why, as I continue to work after age 65 and have FICA taxes taken from my check, am I (or anyone) also compelled
Ask Rusty: Why is there a Social Security Earnings Limit?
Dear Rusty: I am age 62 and considering my retirement options and when I should do that to get the most benefits. I understand my full retirement age is 67, but what I don’t understand, and I hope you can answer, is why there is such a thing as the Social Security (SS) earnings limit?
VIEWPOINT: ERTC Claims are Moving Again
In the wake of the COVID-19 pandemic, Congress passed the Employee Retention Tax Credit (ERTC) in an effort to help struggling businesses keep their employees on payroll throughout the pandemic. However, the Internal Revenue Service (IRS) has found that, in its few short years of existence, the ERTC program has been rife with fraud and
VIEWPOINT: District Court Enjoins FTC Non-Compete Ban, But With a Catch
On July 3, 2024, the United States District Court for the Northern District of Texas (Hon. Ada Brown, U.S.D.J.) issued a memorandum opinion and order enjoining the enforcement of the Federal Trade Commission’s (FTC) non-compete rule. In so doing, the court held that the plaintiff, Ryan LLC, was likely to succeed on the merits of
Ask Rusty: Shocked Because Medicare Increase Results in Loss of SS Benefits
Dear Rusty: My wife and I have taken a Social Security “cut” — no 3.2 percent raise for us, due to something called “IRMAA,” based on our income. We actually took, together, a $400 a month cut. As far as I can tell from what the Social Security Administration (SSA) told me, we are means
VIEWPOINT: Media Training in a Digital Age: Why Strategy is Stronger Than Tools
Sometimes it’s hard to believe that we’re only 250 years removed from when we received pertinent information from messengers riding horses who galloped through the night to make sure we knew what was going on. We’re 75 years away from a time when less than 50 percent of households owned a telephone or radio, and
VIEWPOINT: Leadership and the Laws of Thermodynamics
I’m not an engineer, physicist, or scientist by education or occupation. However, when not reading material from my field of expertise (leadership), my genre of choice is theoretical physics. I’m not trying to impress anyone here; on a good day, I comprehend roughly 40 percent of this material. I engage with these topics for enjoyment
VIEWPOINT: Understanding the Complexities of Long-Term Care
If your business closed today and was gone tomorrow, would Central New York miss it? What would the impact be on our community? An article in the Harvard Business Review I recently read opened with a similar question. Loretto, as the fourth-largest health-care provider in the region, is deeply ingrained in the fabric of our
HISTORY FROM OHA: The story of Lee & Green + Salt City Bottling Company
George Raynard Lee and Arthur Green founded Lee & Green in Sleaford, England, in 1881. The two men bottled aerated water at their Sleaford factory, and soon expanded to other English cities — Spalding in 1886; Bourne in 1891; and Skegness in 1899. Along with bottling aerated water, these factories brewed and bottled ginger beer,
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