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Ask Rusty: About Claiming Social Security when I have an HSA
Dear Rusty: I have reached my full retirement age (FRA) (66 years, plus 8 months) and plan to apply for Social Security (SS) this month. However, I’ve seen articles which say that when I apply, I must also take Medicare Part A. This, even though I am continuing to work and am covered by my […]
VIEWPOINT: The Frequency of Pay Split Among Courts May Be Remedied by a Legislative Fix
Under New York Labor Law Section 191, individuals who fall under the broad definition of “manual worker” must receive their wages weekly. There is currently a split among the courts as to whether manual workers have a private right of action to recover liquidated damages for untimely payments. In Vega v. CM & Associates Construction
Ask Rusty: Clarification of Medicare IRMAA and MAGI
Dear Rusty: I am confused by an article in my local newspaper which said that MAGI (modified adjusted gross income), on which my Medicare Part B premium is based, is my adjusted gross income (AGI), plus any non-taxable interest, plus 50 percent of the Social Security I received. The part that is confusing is the
Most LLC subsidiaries of nonprofits exempt from New York’s LLC Transparency Act
But exemption is not automatic Quick overview: The New York LLC Transparency Act (NYLTA) is a new law requiring limited liability companies (LLCs) to annually disclose detailed information about their owners to the Department of State. Most LLCs that are wholly owned by nonprofits are exempt from NYLTA reporting based on a statutory definition which
VIEWPOINT: Landing Pages 101: Devising a Strategy For Takeoff
You’ve just spent weeks defining the social posts, the digital ads, and the copy for all the platforms for your latest campaign. The FizzBuzz 3000 (recently updated from the 2000, which is so 2000) is about to hit the market, and so is your campaign. Then your media coordinator asks: “Where are we going to
Ask Rusty: About When to Claim SS & Taxation of Benefits
Dear Rusty: I am 65 and currently working full time. Can I apply for and start receiving my Social Security (SS) benefit? I’d expect to have to pay income tax on it if and when I do. Signed: Curious Worker Dear Curious Worker: If you are working full time, you should likely delay claiming Social
VIEWPOINT: Coaching is Key to a Successful Consulting Practice & More
If you have, or are seriously thinking about, starting your own consulting business, the most important piece of advice I can offer you is one that was given to me. That little gem was: “Think about what you’ve really enjoyed doing in your career, what got your juices flowing, and do that; focus on that
Ask Rusty: About Investing SS Money in the Stock Market
Dear Rusty: For most folks collecting Social Security (SS), you get back what you put in within three to five years, so for those that scream: “SS is not an entitlement, it is my money,” that is not entirely accurate beyond three to five years. For me personally 4.4 years is the number. But had
VIEWPOINT: 2024 Title IX Regulations Deemed “Unlawful”
On Jan. 9, 2025, the Eastern District of Kentucky held in State of Tennessee, et al. v. Miguel Cardona, et al. that the U.S. Department of Education’s 2024 Final Rule implementing Title IX is “unlawful.” This court decision applies nationwide, including in New York state. The court determined in State of Tennessee that the final
Ask Rusty: Can my Wife Claim her SS Now and Get Half my SS Benefit Later?
Dear Rusty: My wife will reach her full Social Security (SS) benefit at 66.5 years of age, which is just under two years away for her now. If she were to begin to get her monthly check now (i.e. early), would that prevent her from being eligible for the spousal benefit to receive half of
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