Why did Willie Sutton rob banks? "Because that's where the money is."

Why does the government want to tax your IRA and ROTH retirement savings? Because that's where the money is.

When the income tax first went into effect in 1915, the top rate was a mere 7% and fell only on those making $500,000 a year or more -- that's $13.5 million in today's dollars. The vast majority of Americans paid the lowest 1% rate.

Today, the federal income tax ranges from 10%-37% and that's on top of all the FICA withholding. Today's top rate -- more than five times higher than it was in 1915 -- falls on those making about $500,000.

Which means top rate-payers are paying 5.5 more income tax on about one-thirtieth of the income.

The lowest rate-payers are paying 10 times more on about the same fraction -- and that still doesn't count FICA deductions, which hit the poorest the hardest.

The income tax was sold by early 20th Century progressives as a way to sock it to the rich, but progressives made sure it become a way to sock it to everybody.

You can bet your bottom dollar -- if Congress doesn't confiscate that, too -- that today's "Billionaire Income Tax" is tomorrow's "Tax Your Middle Class Retirement Accounts Before You Even Retire."

Our government is too big, too unaccountable, too incompetent, and entirely dedicated to growing its own power. Anything that can't go on forever, won't.

Headlights illuminate a group of soldiers smoking and drinking steaming cups of coffee on the side of a road in northeastern Ukraine.

A 29-year-old man has been jailed for more than three years for loading illicit TV streaming services onto Amazon Fire Sticks.

P&O Ferries spent more than £47m summarily sacking hundreds of seafarers in 2022, helping it cut losses by more than £125m and putting it on a path to profitability, according to accounts due to be published in the coming days.

New trenches and berms are being constructed along the frontier in the occupied Golan Heights.

Audrey F tells a court how a 13-year-old student's lie to her parents led to Samuel Paty's murder.

Speaking of Steam, the Linux version of Valve’s gaming platform has just received a pretty substantial set of fixes for crashes, and Timothee “TTimo” Besset, who works for Valve on Linux support, has published a blog post with more details about what kind of crashes they’ve been fixing. The Steam client update on November 5th mentions “Fixed some miscellaneous common crashes.” in the Linux notes, which I wanted to give a bit of background on. There’s more than one fix that made it in under the somewhat generic header, but the one change that made the most significant impact to Steam client stability on Linux has been a revamping of how we are approaching the setenv and getenv functions. One of my colleagues rightly dubbed setenv “the worst Linux API”. It’s such a simple, common API, available on all platforms that it was a little difficult to convince ourselves just how bad it is. I highly encourage anyone who writes software that will run on Linux at some point to read through “RachelByTheBay”‘s very engaging post on the subject. ↫ Timothee “TTimo” Besset This indeed seems to be a specific Linux problem, and due to the variability in Linux systems – different distributions, extensive user customisation, and so on – debugging information was more difficult to parse than on Windows and macOS. After a lot of work grouping the debug information to try and make sense of it all, it turned out that the two functions in question were causing issues in threads other than those that used them. They had to resort to several solutions, from reducing the reliance setenv and refactoring it with exevpe, to reducing the reliance on getenv through caching, to introducing “an ‘environment manager’ that pre-allocates large enough value buffers at startup for fixed environment variable names, before any threading has started”. It was especially this last one that had a major impact on reducing the number of crashes with Steam on Linux. Besset does note that these functions are still used far too often, but that at this point it’s out of their control because that usage comes from the libraries of the operating system, like x11, xcb, dbus, and so on. Besset also mentions that it would be much better if this issue can be addressed in glibc, and in the comments, a user by the name of Adhemerval reports that this is indeed something the glibc team is working on.

Spear phishing jest oszustwem o charakterze socjotechnicznym, wykorzystującym presję autorytetu i czasu, aby skłonić atakowanego do podjęcia niekorzystnego dla niego działania. Fakt, że zazwyczaj informacje potrzebne do przeprowadzenia ataku są publicznie dostępne lub łatwe do uzyskania, czyni to oszustwo popularnym wśród cyberprzestępców.

W aplikacji eWeLink firmy CoolKit Technology wykryto podatność pozwalającą na ominięcie ekranu blokady (CVE-2023-6998).

W oprogramowaniu różnych modeli terminali płatniczych firmy PAX wykryto łącznie 5 podatności (CVE-2023-4818, CVE-2023-42134, CVE-2023-42135, CVE-2023-42136, CVE-2023-42137).

We wtyczce AdmirorFrames do platformy Joomla! wykryto 3 podatności różnego typu i nadano im identyfikatory CVE-2024-5735, CVE-2024-5736 i CVE-2024-5737.

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The latest neuroscience suggests you can literally edit your memory. Here is what this big breakthrough means for you.

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As human resources budgets have decreased, the number of job interviews that take place through video calls has increased. With that comes a whole new set of standards for interview etiquette. For instance, though it might not feel natural, it's important to maintain eye contact as well as lean forward toward your camera in order to make your candidate feel that you're interested in them.

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One persons perspective on whether you should hire a friend!

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Sadly, the resume is often full of fluff that really does not tell you very much. Do you really care where the candidate went to school, or how many years he or she spent at the last job? Do those qualities really help you predict this candidate's potential to succeed at your company? Or do they only tell you whether or not this person was capable of warming a seat in relatively inoffensive fashion for the past 5 years?

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Small-business owners often are so busy working that they do not take time to plan for their retirements.

But that is clearly a mistake, financial advisers say.

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With the introduction of Apple Pay, many small-business owners are weighing whether they should take the necessary steps to accept the new form of payment.

So far, most of the merchants that have signed up to accept Apple Pay are large ones, like Macys, McDonalds, Subway and Whole Foods. To use Apple Pay, businesses must have an N.F.C. reader, which is also called a contactless reader and refers to near field communications. Right now, less than 10 percent of American retailers do, according to Mark Hung, an analyst with Gartner, an information technology research firm.

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The skills gap is widening and workers are feeling it. In fact, Lynda.com recently conducted an online survey of nearly 10,000 respondents, and found that about half of them lacked confidence in their job skills.

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Starting a small business is tough, but growing one — or just keeping it afloat — is even harder.

Even though more than 500,000 small businesses are created each year in the U.S., only half of them survive past their fifth year, according to the U.S. Small Business Administration.

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From struggling with a business plan to hiring the wrong talent, there are a lot of opportunities for small-business owners to make mistakes, especially when starting out.

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Who wants to be a millionaire? A popular game show has asked its audience that question for years. Truthfully, the vast majority of the population would jump at the opportunity to join the elite ranks of the millionaires in this country.

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Can you operate your own small business inside your IRA? From 1974 to 2013 that question was in a gray area--the answer was a definite maybe. But the multiple shades of gray have recently turned to black and white.

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Up to a point, it behooves small business owners to be resourceful and handle the lion's share of the work. But before it's too late and their companies lose out on its market timing, entrepreneurs need to hire in order to grow, even if that means taking on more costs.

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Up to a point, it behooves small business owners to be resourceful and handle the lions share of the work. But before it's too late and their companies lose out on its market timing, entrepreneurs need to hire in order to grow, even if that means taking on more costs.

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What is your best six word advice? Check out the slideshow below to get inspired.

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Apps consume the majority of mobile media time, but local business apps struggle to compete for attention. Columnist Wesley Young looks at how SMBs can instead use space on the most popular apps to get in front of customers.

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For many businesses, getting paid is not the problem – it’s when. Lumpy cash flow is a stressful experience for business owners because the consequences can include delayed paychecks to employees, missed bill payments or stalled growth due to an inability to take on new clients. So, how can business owners avoid putting themselves at the mercy of clients and when those clients mail their checks?

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Imagine if you could become a millionaire. How great would it be to have the money you need to live the lifestyle you have always wanted? Now imagine if you could do this in your 20s?

Even if you think it sounds like a stretch, it is possible to become a millionaire at a young age. I became a millionaire by age 21. My second millionaire student who followed my program became a millionaire by the age of 23. The most impressive part? He did it all by trading penny stocks.

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With the positive effects of social media marketing becoming more and more apparent, most small businesses have started working on a social media marketing strategy.

One of the main aims of social media marketing is to stay relevant to your audience. This might be harder for small businesses as they have more to juggle, in terms of handling tasks. Social media tools and apps can help reduce the stress of multi-tasking and keep your social media activities consistent. Below are social media tools for small business to help make your life as a social media marketer easier.

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I work with a ton of small businesses, and I love it. I love seeing different business models, helping entrepreneurs with limited resources and experience, and getting unique perspectives that you just can not find in bigger, often more cookie-cutter business establishments. One-on-one, we can share information and insights, and build a strategy that is helpful for their business.

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Having a small online marketing team doesn’t mean your company can not scale content marketing initiatives. It means you must know what the best strategies are and have your team focus on a few they can do well.

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Marketing a business online can be a bit tricky with cost being a concern to most business owners. Some have to work with a low budget with most opting to find a free way to market their trade online.

There are tons of free tools businesses can turn to when it comes to marketing online. With that in mind, it may all boil down to where to start and which tool is best used first. The tools mentioned range from actual sites to free tools integrated with their marketing plans. Below are some of the tools that companies can consider using.

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When small business owners think about getting involved in SEO, they often become intimidated (or frustrated). They see massive corporations and large businesses dominating the search engine world, and it is no secret why they are able to. They have access to tens of thousands of dollars (or more) to spend on online marketing, a highly talented full-time staff to oversee campaign management, and perhaps most importantly, they have been around for years, so they have had time to cement their authority in their respective niches.

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Tai Lopez was born and raised on the wrong side of the tracks but he made choices early on in his adult life to move to the other side.

Today he lives in a massive Beverly Hills mansion, shares his tips for creating wealth and fulfillment on his super popular social media channels and rubs shoulders with the most successful people in the world.

So how did this all happen?

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Perhaps it is time to embrace some new first principles.

Making a first impression is not easy. People are just so sensitive these days. Sensitive about themselves, that is.

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Why Your Business Needs Virtual Assistants

If you are looking to de-clutter your business life so you can focus on serving your clients and customers, then virtual assistants are the perfect solution. They excel at the everyday tasks that keep your business up and running and can also handle the more complex tasks that you’re ready to hand off to someone else.

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The founder of a multiracial beauty company shares how she coped after her “personal and professional victory” angered many fans.

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When it comes to retirement and succession planning, a recent Wells Fargo/Gallup Small Business Index survey suggests that business owners are not necessarily as prepared as they ought to be. Seventy percent of business owners surveyed say they do not have a formal written plan in place outlining what they will do with their business if they decide to retire or can no longer continue working.

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Have you procrastinated about setting up a tax-advantaged retirement plan for your small business? If the answer is yes, you are not alone. Even so, this is not a good situation. You are paying extra income taxes every year that you could easily avoid. However, you still have time to set things right and line yourself up for major tax savings for this year and beyond. This column explains the basics about your tax-smart retirement plan options.

When you cut through all the technical details, you’ll discover that tax-advantaged retirement plans come in two basic varieties:

Defined-contribution plans, which come in several different flavors.
Defined benefit pension plans.

How to choose a retirement plan for your small business

U.S. small businesses added more workers in July and plan to ramp up hiring in coming months. That is according to the National Federation of Independent Business monthly employment survey, due out later today.

Small Business Hiring Rises

Twelve months later we have a full-time team and a company successful beyond our wildest dreams. Digital Press, named during one of our many coffee-on-an-apartment-balcony conversations, has been our attempt to empower the world's smartest people to share what they know. We work with carefully selected CEOs, entrepreneurs, investors, and venture capitalists (primarily at businesses doing $10M to $300M in revenue) to share their hard-earned insight with the internet. None of the atrocious writing most PR firms peddle as acumen. None of the ad-speak or jargon nobody finds helpful. Just the hard lessons learned and the personal stories of how these successful people learned them.

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The Tax Cuts and Jobs Act was signed into law by President Donald Trump on Dec. 22, 2017, and it is being put into action starting with the 2018 tax year.

On the personal side, the final bill cuts income tax rates in almost every tax bracket, doubles the standard deduction, eliminates personal exemptions, doubles the child tax credit, expands medical expense deductions, repeals the Obamacare tax and doubles the estate tax exemption.

On the business side of things, the tax bill lowers the corporate tax rate from 35 to 21 percent -- which is the lowest rate since 1939. For pass-through businesses -- which many small businesses are -- the standard deduction gets boosted to 20 percent.

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Sixty-nine percent of small business owners have zero to little confidence they will be able to retire comfortably, Paychex found in a survey.

Thirty percent said they were somewhat confident, 21% said they were not at all confident, and 18% fall between somewhat confident and not at all confidentȒadding up to a total of 69%. Only 20% said they were very confident they will have enough money to retire comfortably.

Asked what could help improve their situation, 68% said being able to save more. Other ways they would like to receive financial help were assistance in converting a portfolio balance into monthly income, cited by 10%; guidance on investments and the appropriate savings rate, also cited by 10%; and retirement tools to cover a wide range of expenses, including health care, cited by 8%. Fifteen percent said that nothing would help them feel more confident about retirement.

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