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VIEWPOINT: From Startup to Long-Term Success: How SBA Loans Can Help Businesses Grow
The journey to becoming a small-business owner is challenging yet rewarding. Each stage of this endeavor has opportunities and obstacles — from planning and development to launch and expansion. Fortunately, there are valuable resources available to support and empower entrepreneurs along the way. When you’re ready to scale your business, a loan with support from […]
VIEWPOINT: In Fight Over ACA Tax Credits, the Stakes are Lowest for NYS
As Washington, D.C. skirmishes over the future of enhanced tax credits under the Affordable Care Act (ACA), New York State (NYS) has relatively little to gain or lose. The number of New Yorkers using any ACA credits, enhanced or not, stands at about 119,000 or 0.6 percent of the population, the lowest proportion of any
VIEWPOINT: Navigating the Shift from FIRE to IRIS
IRS changes for Forms 1098, 1099, and other information returns If your business files Form 1098, 1099, or other information returns with the Internal Revenue Service (IRS), a major shift is on the horizon. The IRS has recently announced the launch of its new Information Return Intake System (IRIS), which is set to go live
VIEWPOINT: The Success Engine: Strategic Planning and Goal Alignment
Strategic planning, when coupled with goal alignment, is the engine that drives organizations to successfully achieve their goals. Whether your strategic goals include organic growth through capturing more market share, acquisitions, expanding into new markets, adapting to changing market demands, expanding facilities, or succession planning (or some combination of these and others), creating alignment from
VIEWPOINT: New York State’s MWBE Program: New Updates and Continuing Complexities
On May 9, 2025, New York State enacted legislation, as part of the FY 2025-26 New York State budget, extending and adding certain provisions to the New York State Minority and Women-Owned Business Enterprise (MWBE) program. Although program eligibility and requirements for participants remain the same — maintaining consistency for businesses, at least, for now
Ask Rusty: Should I Claim SS Early Because it’s Going Bankrupt?
Dear Rusty: My best friend is going to be age 62 and wants to begin taking her Social Security (SS) immediately. Her reasoning not to wait is the thought that it is going to run out in 10 years, so she wants as much of her money before that happens. I have paid into Social
VIEWPOINT: Prepare for the Unexpected
A key lesson of the past 20 years is to expect the unexpected. Over that period, we’ve faced the global financial crisis, the euro crisis, the long period of zero or even negative interest rates, the COVID-19 pandemic, Russia’s war on Ukraine, and most recently, seismic shifts in the global trade and geopolitical environment. Unpredictable
Ask Rusty: I’d like to retire early, but don’t want my Social Security cut
Dear Rusty: I will turn 65 [soon] and my husband is age 72 (he retired in 2019 at age 66). I would like to retire and enjoy some time with him before he gets too much older. I do not want to have my Social Security (SS) benefits reduced by retiring earlier, but I don’t
VIEWPOINT: Why New York’s Health Premiums Keep Going Up
New Yorkers continue to face some of the costliest health-insurance premiums in the U.S., and the insurance industry’s recently finalized rate applications shed light on why that is. In summaries filed with the state regulators, insurers attributed their price hikes to rising costs — including state-specific factors, such as insurance taxes and coverage mandates, as
VIEWPOINT: Accurate ROI measurement
Solving for B2B performance marketing’s greatest challenge Necessity is famously the mother of invention. With uncertainty surrounding marketing budgets big and small, the current need for business-to-business (B2B) marketers is almost universal: the ability to accurately measure return on investment (ROI), justifying every line-item to the penny. Here’s a wide-angle look at the trends shaping
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