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Posts by Christine Visci

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How Can I Modernize My Business Banking?

Christine Visci
If you own a business, it is crucial to be organized and maintain detailed business records.  Detailed business records are needed for: a) daily operations; b) filing federal, State and local taxes, and; c) business and tax planning.  With busy lives streamlining the process is key.  Consider downloading banking and credit card data into accounting…

Estate Planning: Is Life Insurance an Investment?

Christine Visci
Some people feel owning life insurance is not an “investment” because the purpose is to provide a benefit on death.  They feel that if the benefit is “untouchable” until death, how can life insurance be called an investment?  The answer is, you can enjoy lifetime benefits as well as the death benefits.  The benefits all…

NJ Earned Income Tax Rate Update

Christine Visci
New legislation signed into law on July 1, 2018, made several changes to the New Jersey Gross Income Tax Act at N.J.S.A. 54A:1-1 et seq. as part of New Jersey’s fiscal year 2019 budget. The changes include increases in the New Jersey Earned Income Tax Credit (EITC) and the property tax deduction, and the addition…

What Is A Reverse Mortgage?

Christine Visci
If a person needs cash and they own a home, one option may be to tap into the equity of their home. Under a traditional mortgage a borrower receives the full amount of the loan at closing and repayment of the principal plus interest starts immediately. With a home equity loan a credit line is…

Why to Invest in an Estate Plan Before Turning 35 … (or at any age) ?

Christine Visci
A common misconception is that estate planning is only necessary for the elderly, wealthy, sick, or when death is visibly impending.  Trouble is… the unexpected.   Families can be left scrambling – not knowing where to begin,  and compromised  – in making injury or death claims, settling legal matters, and providing for young children.  Every situation…

5 Tips for First-Time Home Buyers

Christine Visci
Published on November 1st, 2017  1. Learn About the Neighborhood You may be planning on purchasing a starter home and moving later on.  It never ceases to amaze how time flies and things change. The home you are purchasing today may become your forever home.  In purchasing any home, be sure to explore the neighborhood,…
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