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The slow dance of summer's golden evenings, with fireflies illuminating backyards and cicadas serenading in the trees, gradually gives way to the crisp breezes of fall. It's a time when golden leaves blanket our Cincinnati streets, and the anticipation of a new...
What’s next for student debt relief? United States Court of Appeals for the Eighth Circuit has blocked the plan. Biden announced the loan cancellation program in August. Under its terms, many borrowers who earned less than $125,000 during the pandemic should receive up to $10,000 in student loan forgiveness. Borrowers who received Pell Grants, federal grants that target low-income college…
Before you click that link or mail that check this season, consider these 10 ways to potentially maximize your charitable giving. Discuss your philanthropic values and goals with your family (or even friends) as a way to build a legacy. 50/30/20 Rule: 50% to support...
Protecting value for future generations or philanthropy The 2017 nearly doubled the federal estate and gift tax exclusion amounts. $11.18 million per person; $22.36 million per married couple. The purpose of the exclusion is to allow wealth transfer to heirs without taxation. These new amounts along with significant valuation discounts on shares of privately held companies allow business owners to…
Debt management is very similar to a Chapter 13 bankruptcy. In a debt management program, you are paying the company a monthly debt management payment for a period of usually 3 to 6 years that they will apply to a monthly payment to each credit card in the program until the debt has been paid. You are still paying interest…
Generally, debt settlement is a process in which a company, individual attorney or law firm negotiates settlements of your debts after you pay a fee and pay into an escrow account for many months or years. It is very important to understand that debt settlement does not stop the ability of your creditors to collect against you. If you are being…