Let’s be clear about the JOBS Act: it’s not about jobs unless you are an accountant or investment banker

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Passage of the JOBS Act last week took me (and probably most Americans who normally follow such news) by surprise. Political experts gave the bill only a small likelihood of success only a short time ago. Yet it pushed its way through Congress and became law when Obama signed the bill last last week. Mainstream […]

Issuer requirements for equity crowdfunding

Posted 1 CommentPosted in Financial Planning

Companies planning an equity crowdfunding offer must make a filing with the SEC and provide to potential and existing investors and the intermediary: the name, legal status, physical address, and website address of the issuer; the names of the directors and officers and any persons occupying a similar status or performing a similar function, and each […]

reading notes FP magazine March 2012

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Bob Veres writes about need for advisers to be more courageous, show confidence and commitment in March 2012 edition of Financial Planning. “I make millionaires”. Planning for lawyers: a partnership interest, a retired.enter plan, vacation home and an ego. LIFE SETTLEMENTS: Market for selling life policies early is hurting get. WEalthstation from SunGuard also entering […]

Applebee’s America reading notes

Posted Leave a commentPosted in Books, News and Politics

– by Douglas Sosnik, Matthew Dowd, Ron Fornier 2006 – “A How To book on fooling the public”  p 218 Gut Values Connections “it’s not issues that count but gut values connections” Life Targeting It’s the Lifestyle Stupid Navigators and Influentials Religion of business; Corporations infecting faith Lloyd Hill of Applebee’s: Emotional investment in people […]

New tax law limiting out-of-pocket medical expense deduction makes new planning strategies necessary

Posted Leave a commentPosted in Employee Benefits, Financial Planning

Beginning next year, tax deductions for out-of-pocket medical expenses will become more difficult than ever before for individuals. The current limit allows a deduction for expenses exceeding 7.5% of income. The new threshold for 2013 is 10% of income. Fewer individuals will qualify and those that do will find more of their expenses will be not […]

The problem with Facebook IPO

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This quotation from a Facebook advertiser summarizes the difficulty Facebook will face in maintaining market value as a public company. “We still don’t have a huge correlation between Facebook fans and return on investment in an actual sales in store. Until that metric becomes a lot more solid, I don’t think our company or other […]

New report of small business optimism

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This is the brightest small business survey result that I’ve seen published so far in this recovery. SurePayroll Small Business Scorecard’s optimism survey shows some very positive signs for 2012. Along with optimism being up to 63 percent, the highest it has been since June, the survey also shows 50 percent of small business owners […]

Less than half of us believe in the American dream

Posted Leave a commentPosted in Health and wellness, parenting

Americans increasingly see tension between rich and poor. A sharp change in American attitudes is summarized in this report: A new Pew Research Center survey of 2,048 adults finds that about two-thirds of the public (66%) believes there are “very strong” or “strong” conflicts between the rich and the poor—an increase of 19 percentage points since 2009. […]