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Ask Rusty: About the Earnings Test & Taxation of Social Security Benefits
Dear Rusty: I’m 63, married, and we file a joint tax return. If I claim Social Security (SS) now and keep working and earn $7,000 more per year than the annual limit of $19,560, I know I’d have benefits withheld at the rate of $1 for every $2 over the limit ($3,500). But if I […]
NONPROFIT MANAGEMENT: Is Your Employee Retirement Plan Compliant?
We are approaching the time of year where we dust off our employee retirement plans and auditors show up to ask us all sorts of questions about the plan and test a sample of contributions. Once that audit is complete, we can shelve our plan and not dust it off again until the next year. Of
VIEWPOINT: Digital transformation is imperative to combat health care’s labor crisis
As the coronavirus pandemic first spread across the globe, health systems turned to technology and virtual care while focusing their efforts on COVID-19 and its consequences. Physicians deployed digital tools to keep the worried well out of hospitals, to keep beds open for COVID-19 patients, and to support and manage conditions like pregnancy from the safety
VIEWPOINT: Five Steps for N.Y. employers to save on health-care costs
When it comes to offering health benefits to employees, every employer has two primary goals: improve coverage and lower costs. Achieving those goals may help encourage a healthier workforce, while reducing absenteeism and presenteeism, both of which can sap productivity and make an employer less competitive. Importantly, medical care ranks as the second-largest expense (behind
CEO FOCUS: Mitigation Plans Needed to Limit Disruptions during I-81 Project
The final environmental-impact statement for the I-81 project [has been released] by the New York State Department of Transportation and the Federal Highway Administration (FHWA). This is a critical next step in advancing this $2.2 billion investment in our community to transform a major transportation asset and reconnect parts of our city that have been
VIEWPOINT: A Digital World: What’s in Store for Central New York
As the effects of the coronavirus continue to reshape our world, the next year will see several factors accelerating the shift to a more digital, hybrid future. We expect to see a continued focus on digital transformation as the driving force creating value for business owners. Below are some considerations of what will come next —
Ask Rusty: Please Help Us with Social Security Planning
Dear Rusty: Would you please advise on mine and my wife’s Social Security (SS) planning? I’m age 69 and 2 months, my wife is age 66 and 2 months, so we both hit full retirement age. We both plan on starting to take SS next month. My benefit would be about $3,300 per month, and
NONPROFIT MANAGEMENT: Why is Cash Management Important to your Organization?
We have all heard the age old saying, “cash is king.” When the pandemic first started, many tax-exempt organizations were concerned with cash flow and making it through what was first thought to be a month or two. Organizations were closely monitoring their cash flow, even going as far as preparing daily cash-flow projections. Then the
VIEWPOINT: Benefit-Plan Administration Impact of Extension of National Emergency Period
President Joe Biden once again continued the “National Emergency Concerning the COVID-19 Pandemic (National Emergency)” on Feb. 18. The National Emergency had been set to expire on March 1. Pursuant to the notice issued by President Biden, the National Emergency that was initially declared on March 13, 2020 (beginning March 1, 2020), must continue in effect
Ask Rusty: I’m Confused About Taking Medicare and Social Security
Dear Rusty: I just turned 64 and now get stuff about Medicare and Medigap and so on. I really don’t know how to retire when it’s time. What should I do? What am I looking for? Am I eligible for anything as of now? I’m so confused about all this that I don’t even know
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