How Interest Rates Affect You as a Saver or Borrower

Changes in interest rates impact a majority of people because individuals are generally borrowers or savers. For borrowers, rising interest rates mean more discretionary income is paid to financial institutions in the form of interest expense, on short-term loans such as credit card debt.

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It’s No Joke: Loud Budgeting Takes Aim at Money Shame

Money talks, so the saying goes, but rarely is it considered appropriate to talk about money. Whether it is among friends, family or between colleagues, discussion of personal finances has long been taboo, leaving many to experience what is referred to as money shame

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Investing: What Am I Doing?

Investing is important for retirement, building wealth, and beating the corrosive effects of inflation. TikTok, YouTube, Google, and family gatherings are packed with advice on how to invest.

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Tips for Writing a Scholarship Application Letter

Not unlike a cover letter for a resume, the scholarship application letter can help set candidates apart by demonstrating both worthiness and need for the financial assistance.

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Shopping Savvy for Big Savings

Despite falling inflation rates, many Americans are still feeling the aftershocks of post-COVID inflation, marked by consistently rising prices and shrinkflation. Among those rising prices is the cost of rent, NerdWallet reports, with monthly prices averaging 29% above pre-pandemic rates.

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Financial Considerations for Younger Professionals

As one starts their career, it is often quite difficult to look into the future from a financial point of view. There are too many day to day expenses that easily swallow up one’s earnings. However, starting early is often the best way to ensure financial success in the long run.

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Independent Contractor or Employee?  It’s Time for Employers to Reassess.

The U. S. Department of Labor (DOL) has issued a new rule addressing worker classification under the Fair Labor Standards Act (FLSA). While the rule, which goes into effect on March 11, 2024, has some aspects that favor employers, it is intended to narrow the scope of workers deemed to be independent contractors.

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Tax Preparation: What Are My Options

The IRS has several options for those who want to prepare their own tax returns. For taxpayers with an Adjusted Gross Income of $79,000 or less, free tax software is available. Free fillable forms are available to any income level. The link below will get you to the IRS website.

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Problem Solving Financing – What are my options? APS Holmes Group is here to help!

So, you have decided to purchase a practice. Whether for an acquisition to your existing firm or you are an individual looking to purchase an already established practice for yourself; The process of purchasing can seem daunting. APS is here to guide you through this process, and as a buyer, our expertise and experience is a free service at your disposal.

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One Times Gross: Is that the Law?

Accounting practices are worth one times annual gross revenue.” This is a belief that has been around our profession for decades and, in fact, still drives the marketplace. No one can really explain why one times gross is such an accepted formula, but whatever the reason for the wide-spread thought, it is so persistent that many accountants do consider it some immutable law.

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