• Call Us (888) 229-7163

Category Archives: September 2012

The ABCs of Business Structure

The ABCs of Business Structure

  A small business can adopt a number of business structures for tax and legal purposes. Each has its own advantages and disadvantages. Sole proprietorships, partnerships, and limited liability companies (LLCs) are fairly basic forms of ownership, whereas corporations are significantly more complex. There are two primary types of corporations in the United States. C […]

read more »
Taming Taxes

Taming Taxes

Small-business owners and independent contractors may be more likely than other taxpayers to benefit from the home-office tax deduction, which has an average value of more than $2,600.1 But some taxpayers may be hesitant to claim this potential tax benefit on their personal tax returns, fearing that it could trigger an IRS audit. Their worries are […]

read more »
Surprise! It’s Retirement Time

Surprise! It’s Retirement Time

  In a 2012 survey, 50% of current retirees said they retired earlier than they had planned, up from 45% in 2011.1 Many retirees reported reasons that were beyond their control, such as health problems or disability, company downsizing or closure, changes in the skills required for their jobs, or having to care for a […]

read more »
Consider These TIPS

Consider These TIPS

Nobel prize-winning economist Milton Friedman once said that “Inflation is taxation without legislation.”1 You’re probably aware of how taxes reduce your earnings, but have you thought about the effect of inflation? Over the last 50 years, U.S. inflation (as measured by changes in the consumer price index or CPI) has averaged a little more than 4% […]

read more »
Becoming a More Rational Investor

Becoming a More Rational Investor

Studies by the Investment Company Institute and the Federal Reserve Board indicate that investors’ willingness to assume risk tends to rise and fall with the stock market.1 Of course, it’s not surprising that people are more likely to pour money into stocks when the market is trending upward and to retreat when the market trends downward. […]

read more »
How Much Life Insurance Do You Need?

How Much Life Insurance Do You Need?

In a recent study, 40% of consumers responded that they don’t have enough life insurance to meet their families’ long-term needs.1 This concern raises an obvious question: How much life insurance is enough? What might be appropriate for a family with two young children and a stay-at-home spouse could be significantly different from the needs of […]

read more »
Rediscovering Fossil Fuels: Could the Energy Boom Transform the Economy?

Rediscovering Fossil Fuels: Could the Energy Boom Transform the Economy?

  Growing demand from developing economies caused global oil prices to rise 265% in the last 10 years. A decade of rising fuel prices often made life more difficult for many U.S. consumers and businesses, and occasionally put unwelcomed strain on the nation’s economy.1 High prices and profits, however, helped make it feasible for energy […]

read more »

Securities and Advisory Services offered through Geneos Wealth Management Inc., Member FINRA and SIPC (The materials at this web site are maintained for the sole purpose of providing general information about the law and do not under any circumstances constitute legal advice. You should not act or refrain from acting based on these materials without first obtaining the advice of professional legal counsel. Please carefully read the terms and conditions for using this site. This website contains links to third-party websites. We are not responsible for, and make no representations or endorsements with respect to, third-party websites, or with respect to any information, products or services that may be provided by or through such websites.) © Copyright 1998-2002 by Silverman Financial, Inc. All rights reserved. | Privacy Policy For comments and questions, please email marc@sfinancial.com