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Columns and Features

Big changes in SBA’s EIDL program sparks new interest (access required)

Businesses continuing to struggle under the COVID-19 pandemic received another potential life line on September 7, 2021, when the U.S. Small Business Administration announced changes to the COVID-19 Economic Injury Disaster Loan Program (EIDL). These changes include an increase in the size ...

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Estate planning strategies in a low-rate environment (access required)

If we’ve learned anything from the COVID-19 pandemic, it’s the value of being prepared for the unpredictable. This is particularly true when it comes to protecting the financial well-being of our families and the economic future of our businesses. The current low-interest ...

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The disconnect between economic growth and stock returns (access required)

Conventional thinking says that higher rates of economic growth will lead to higher stock returns for investors. Conventional thinking is wrong. Although the connection between economic growth and stock returns might seem intuitive and obvious, there is not necessarily a ...

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Passing the torch to a new generation (access required)

“Great is the art of beginning, but greater is the art of ending.”  —Henry Wadsworth Longfellow  The time has come to pass the torch to the next generation of Bonadio health and human service experts. After 251 columns published in the RBJ since 1996, I ...

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A firsthand account on the merits of mentoring (access required)

My first encounter with Jonathan (fictitious name) was at the Friendly’s Restaurant on Monroe Avenue in Brighton. My brother and I owned the franchise rights to the chain in Western New York and I thought it was an accommodating place to meet. Jonathan contacted me via a friend ...

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Details on the ABLE Act for disabled citizens (access required)

In 2014, the Stephen Beck, Jr. Achieving a Better Life Experience (ABLE) Act created a mechanism whereby disabled Americans could establish a tax-advantaged savings account, appropriately referred to as an ABLE account, to supplement their lifestyle needs. As defined by the Social Security Administration ...

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Sunday’s Bills-Chiefs game has enormous ramifications

His Buffalo Bills teammates and coaches couldn’t get off the field fast enough. And that was understandable because only a masochist would want to hang around and watch a team that had just ended his season celebrate a championship he ...

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Dealing with turnover, wage compression issues stemming from pandemic (access required)

“I’m up nights worrying about turnover on our small staff. I’ve been able to bring in new people during this difficult period by paying them more than I normally do — a lot more. Now some of the newcomers make more than the ...

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Tips for evaluating retirement readiness (access required)

A successful retirement is the main financial priority for many people. Because retirement can last upwards of 30 years and coupled with all the variables that go into determining potential success or failure, it is often the most difficult financial ...

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Father and son combo share a memorable ballpark streak

Way back in 1789, Ben Franklin opined that nothing is certain except death and taxes. Well, I have a third sure thing to add to Ol’ Ben’s declaration of certitude: Tony and Chris Wells’ presence at Rochester Red Wings games ...

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Volunteering, mentoring are two-way streets (access required)

I knew I would go into a helping profession as early as middle school, having several friends experience serious mental illness and suicidality, and having my own bouts with depression. As a psychology major at Nazareth College, I was fortunate to ...

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Should you elect or pass on the pass-through entity tax? (access required)

Here’s a reason to be cheerful: If your business is a partnership or S corporation in New York, a new tax law allows the business to give its partners, members or shareholders a break on their state income tax — and none too soon with the newly enacted higher income tax rates.  You may have heard the ...

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Sexual harassment prevention training that actually works (access required)

Is it just me or does it seem like every few weeks a new sexual harassment scandal explodes across the headlines?   In most cases, salacious allegations involve powerful politicians or well-known executives who often end up resigning in shame. In a futile attempt to defend themselves, these men (yes, they are most often ...

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