Category Archive: Personal Investments

Apr 01

FHA to Eliminate Phantom Interest Charges for Future Borrowers

Historically, loans insured by the Federal Housing Administration (“FHA”) that were paid before maturity were subject to interest charges for the full final month in which they were repaid.  Not surprisingly, home sellers with closing dates early in the month have long complained about this practice, which increases their transaction costs. In arguing against the …

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Permanent link to this article: http://betweenthenumbers.net/2014/04/fha-to-eliminate-phantom-interest-charges-for-future-borrowers/

Feb 27

The Big Marriage Benefit in Estate Planning

The tragic news of Philip Seymour Hoffman’s death also came with an expensive reminder of how estate tax law favors marriage.  It has been reported that most of Mr. Hoffman’s $35 million estate will go to Mimi O’Donnell, his longtime love and mother of his three children.  Unfortunately, the fact that this couple wasn’t married …

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Permanent link to this article: http://betweenthenumbers.net/2014/02/the-big-marriage-benefit-in-estate-planning/

Feb 14

Have You Considered Refinancing?

Interest rates have been near historical lows in the recent past.  Even though they are not at the lows we saw in 2012 and early 2013, they are still low.  This provides a ripe opportunity for homeowners to refinance their homes.  A recent article from The Daily Ticker, by Aaron Task, highlights some important facts …

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Permanent link to this article: http://betweenthenumbers.net/2014/02/have-you-considered-refinancing/

Jan 31

Millennials Holding on to Cash

Who are Millennials?  They are known as Generation Y, who are between the ages of 21 and 36.  In a recent survey conducted by UBS,  Millennials are described as, Lazy. Entitled. Narcissistic. Spendthrifts. Digitally obsessed. Google the term ‘Millennial’ (ages 21-36), and these are some of the words you will find to describe this generation. …

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Permanent link to this article: http://betweenthenumbers.net/2014/01/millennials-holding-on-to-cash/

Jan 14

Interesting IRS Facts

As 2013 has come to an end, we all must start gathering our 2013 tax records to start preparing for the dreaded tax man.  Do you ever wonder how many returns or how much money the IRS collects?  Or how many audits are conducted? In the 2012 IRS Data Book, released by the IRS, contains …

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Permanent link to this article: http://betweenthenumbers.net/2014/01/interesting-irs-facts/

Jan 13

Is the Stock Market Usually More Generous During the Holidays?

Last year was phenomenal for investors in the stock market. The S&P 500, for example, generated total returns exceeding 26%, the highest annual return recorded since the tech bubble of the mid/late 1990s. These positive returns likely had investors in a positive mood going into the holidays, which might explain why returns during the “Holiday …

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Permanent link to this article: http://betweenthenumbers.net/2014/01/is-the-stock-market-usually-more-generous-during-the-holidays/

Dec 26

SEC proposed rules for Regulation A+ filings

Section 401 of the Jumpstart Our Business Startups Act (the “JOBS Act”) added Section 3(b)(2) to the Securities Act. This directs the SEC to adopt rules exempting offerings of up to $50 million of securities annually from the registration requirements of the Securities Act. Last week, the SEC provided proposed rules to implement this portion …

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Permanent link to this article: http://betweenthenumbers.net/2013/12/sec-proposed-rules-for-regulation-a-filings/

Dec 13

New Guide to Review Engagements

On December 10, 2013 the International Federation of Accountants released its guide for conducting review engagements.  The guidelines are particularly relevant for smaller firms conducting review engagements in compliance with International Standard on Review Engagements (ISRE) 2400 (Revised). The guide includes such helpful information as: illustrative examples relevant extracts from the standard practical points for practitioners’ …

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Permanent link to this article: http://betweenthenumbers.net/2013/12/new-guide-to-review-engagements/

Dec 09

Have you Considered Adding a Computer Digital Account Plan to your Estate Plan?

A recent article, written by Sarah Butters, Esq. and David Shayne, Esq. of Holland & Knight, highlights an important issue that should be considered in estate plans.  Normally, an estate plan contains a will, power of attorney, and a healthcare directive.  In today’s digital world though, many of our important documents and information are stored …

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Permanent link to this article: http://betweenthenumbers.net/2013/12/have-you-considered-adding-a-computer-digital-account-plan-to-your-estate-plan/

Dec 04

Your Loan to A Start Up May Be Treated as a Gift

When starting a business, it is common for entrepreneurs to seek initial funding from family and friends.  Since the holidays are creeping upon us, this means spending time with family members and loved ones.  During the festivities, discussions surrounding what people have been doing or planning on doing are bound to surface.  You may get …

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Permanent link to this article: http://betweenthenumbers.net/2013/12/your-loan-to-a-start-up-may-be-treated-as-a-gift/

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