UBCNews - Finance & Loan

So you've heard about social trading and the idea sounds pretty appealing, right? You find a trader who knows what they're doing, connect your account, and their trades automatically show up in yours. Simple enough. Except here's the thing—most people who try this end up disappointed, and it's usually not because the concept doesn't work. It's because they skip the homework. Let's talk about what actually matters when you're getting into this space, because there's a big difference between following someone blindly and following someone strategically. First up, verification. And I can't stress this enough. Anyone can claim th...

Welcome to today's episode focused on smart money moves for real estate investors. If you own a short-term rental property, or you're considering buying one, you need to understand the concept of accelerated depreciation. It’s arguably the most effective way to lower your tax liability. While standard depreciation stretches deductions over decades, there's a specific, powerful strategy that lets you pull years of tax benefits into the immediate future. The strategy involves two key tools: the cost segregation study and bonus depreciation. Think of your rental property not just as a single building, but as hundreds of individual as...

For many business owners, payroll feels like one of those tasks that never gets easier. The spreadsheets, the calculations, the compliance concerns, the late-night double-checking—it all adds up. Even small teams can lose hours each month trying to manage payroll manually, and one mistake can lead to tax issues, frustrated employees, or costly penalties.

To help business owners understand a better way forward, Trustway Accounting has released a new comprehensive resource: “Achieving Efficiency: Streamline Payroll With Digital Tools.” The article explores why digital payroll systems have become essential for modern businesses and how switching from manual proces...

You’re listening to the DeepDive — where we separate noise from structure and talk about the systems behind wealth, innovation, and consequence. I’m Tom Sayja.

Today we’re looking at something Elon Musk calls Manifested AI. It’s one of those phrases that sounds abstract at first — like a headline made for social media — until you realize it describes something that’s already happening all around us.

Most people still think of artificial intelligence as software. Lines of code, cloud servers, a chatbot that can write a haiku. But the reality is changing fast.

AI is leav...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

Date: October 18, 2025 Contact: Vik Randhawa, CPA Email: info@vikrandhawacpa.com Phone: 888-VIKPROCPA Website: https://www.vikprocpa.com From Numbers to Next-Level Success: Vik Randhawa, CPA, on Smarter Tax Planning and Financial Confidence California CPA transforms traditional tax services into strategic pathways for long-term growth and financial clarity. California — In an increasingly complex financial world, Vik Randhawa, CPA, is redefining what it means to deliver value through tax strategy and business planning. Known for his proactive approach, Randhawa helps business owners, families, and investors go beyond tax compliance—turning numbers into insight and strategy into confidence. “Too many people see taxes...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

Tax season rolls around every year like clockwork, and yet millions of people still find themselves scrambling at the last minute, drowning in receipts and forms they don't fully understand. You're not alone if you've ever stared at a tax form wondering whether you're about to make a costly mistake that'll haunt you for months. Here's something most people don't realize until it's too late: the difference between someone who gets a decent refund and someone who leaves thousands of dollars on the table often comes down to knowing what tax preparation actually means. Not the textbook definition, but...

You just accepted a job offer with an impressive compensation package. Base salary, bonus, health benefits, and three different types of equity compensation. Stock options, restricted stock units, and an employee stock purchase plan. Your recruiter made it all sound amazing, but nobody explained what you actually take home after Uncle Sam gets his cut.

Let's talk about what these equity benefits really cost you in taxes, because the differences are bigger than most people realize. Starting with restricted stock units, which have become the most common form of equity pay. When your RSUs vest, the fair...

Nick brings over 15 years experience in the Alternative Finance Industry. Ranging from direct funding, managing syndication portfolios as well as managing day to day operations for a team of over 50 brokers. Nick Russo takes new position as Director of Business Development for Secure Way Capital. Full details can be found on the company website, https://securewaycapital.com.

Secure Way Capital CEO, John Kaye expressed confidence that Nick Russo is ready to handle the job, saying:

Nick has shown a proven track record in all aspects of his career. Adding Nick to our dedicated Secure Way...

Picture this: you run a successful business in the Bay Area. You're doing everything right. Revenue is growing, you're hiring, and then April rolls around. Your accountant tells you that despite paying over $50,000 in California state taxes, you can only deduct $10,000 of it on your federal return. The rest? It just disappears into thin air. That's the SALT cap, and if you haven't heard about it, you're not alone—but it's probably costing you a fortune. The state and local tax deduction cap became law back in 2018, and it's been quietly draining money from business owners ever since. California ha...

Date: October 18, 2025 Contact: Vik Randhawa, CPA Email: info@vikrandhawacpa.com Phone: 888-VIKPROCPA Website: https://www.vikprocpa.com From Numbers to Next-Level Success: Vik Randhawa, CPA, on Smarter Tax Planning and Financial Confidence California CPA transforms traditional tax services into strategic pathways for long-term growth and financial clarity. California — In an increasingly complex financial world, Vik Randhawa, CPA, is redefining what it means to deliver value through tax strategy and business planning. Known for his proactive approach, Randhawa helps business owners, families, and investors go beyond tax compliance—turning numbers into insight and strategy into confidence. “Too many people see taxes...

Tax season rolls around every year like clockwork, and yet millions of people still find themselves scrambling at the last minute, drowning in receipts and forms they don't fully understand. You're not alone if you've ever stared at a tax form wondering whether you're about to make a costly mistake that'll haunt you for months. Here's something most people don't realize until it's too late: the difference between someone who gets a decent refund and someone who leaves thousands of dollars on the table often comes down to knowing what tax preparation actually means. Not the textbook definition, but...

You just accepted a job offer with an impressive compensation package. Base salary, bonus, health benefits, and three different types of equity compensation. Stock options, restricted stock units, and an employee stock purchase plan. Your recruiter made it all sound amazing, but nobody explained what you actually take home after Uncle Sam gets his cut.

Let's talk about what these equity benefits really cost you in taxes, because the differences are bigger than most people realize. Starting with restricted stock units, which have become the most common form of equity pay. When your RSUs vest, the fair...

Nick brings over 15 years experience in the Alternative Finance Industry. Ranging from direct funding, managing syndication portfolios as well as managing day to day operations for a team of over 50 brokers. Nick Russo takes new position as Director of Business Development for Secure Way Capital. Full details can be found on the company website, https://securewaycapital.com.

Secure Way Capital CEO, John Kaye expressed confidence that Nick Russo is ready to handle the job, saying:

Nick has shown a proven track record in all aspects of his career. Adding Nick to our dedicated Secure Way...

Picture this: you run a successful business in the Bay Area. You're doing everything right. Revenue is growing, you're hiring, and then April rolls around. Your accountant tells you that despite paying over $50,000 in California state taxes, you can only deduct $10,000 of it on your federal return. The rest? It just disappears into thin air. That's the SALT cap, and if you haven't heard about it, you're not alone—but it's probably costing you a fortune. The state and local tax deduction cap became law back in 2018, and it's been quietly draining money from business owners ever since. California ha...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

Date: October 18, 2025 Contact: Vik Randhawa, CPA Email: info@vikrandhawacpa.com Phone: 888-VIKPROCPA Website: https://www.vikprocpa.com From Numbers to Next-Level Success: Vik Randhawa, CPA, on Smarter Tax Planning and Financial Confidence California CPA transforms traditional tax services into strategic pathways for long-term growth and financial clarity. California — In an increasingly complex financial world, Vik Randhawa, CPA, is redefining what it means to deliver value through tax strategy and business planning. Known for his proactive approach, Randhawa helps business owners, families, and investors go beyond tax compliance—turning numbers into insight and strategy into confidence. “Too many people see taxes...

Tax season rolls around every year like clockwork, and yet millions of people still find themselves scrambling at the last minute, drowning in receipts and forms they don't fully understand. You're not alone if you've ever stared at a tax form wondering whether you're about to make a costly mistake that'll haunt you for months. Here's something most people don't realize until it's too late: the difference between someone who gets a decent refund and someone who leaves thousands of dollars on the table often comes down to knowing what tax preparation actually means. Not the textbook definition, but...

You just accepted a job offer with an impressive compensation package. Base salary, bonus, health benefits, and three different types of equity compensation. Stock options, restricted stock units, and an employee stock purchase plan. Your recruiter made it all sound amazing, but nobody explained what you actually take home after Uncle Sam gets his cut.

Let's talk about what these equity benefits really cost you in taxes, because the differences are bigger than most people realize. Starting with restricted stock units, which have become the most common form of equity pay. When your RSUs vest, the fair...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

Nick brings over 15 years experience in the Alternative Finance Industry. Ranging from direct funding, managing syndication portfolios as well as managing day to day operations for a team of over 50 brokers. Nick Russo takes new position as Director of Business Development for Secure Way Capital. Full details can be found on the company website, https://securewaycapital.com.

Secure Way Capital CEO, John Kaye expressed confidence that Nick Russo is ready to handle the job, saying:

Nick has shown a proven track record in all aspects of his career. Adding Nick to our dedicated Secure Way...

Picture this: you run a successful business in the Bay Area. You're doing everything right. Revenue is growing, you're hiring, and then April rolls around. Your accountant tells you that despite paying over $50,000 in California state taxes, you can only deduct $10,000 of it on your federal return. The rest? It just disappears into thin air. That's the SALT cap, and if you haven't heard about it, you're not alone—but it's probably costing you a fortune. The state and local tax deduction cap became law back in 2018, and it's been quietly draining money from business owners ever since. California ha...

Date: October 18, 2025 Contact: Vik Randhawa, CPA Email: info@vikrandhawacpa.com Phone: 888-VIKPROCPA Website: https://www.vikprocpa.com From Numbers to Next-Level Success: Vik Randhawa, CPA, on Smarter Tax Planning and Financial Confidence California CPA transforms traditional tax services into strategic pathways for long-term growth and financial clarity. California — In an increasingly complex financial world, Vik Randhawa, CPA, is redefining what it means to deliver value through tax strategy and business planning. Known for his proactive approach, Randhawa helps business owners, families, and investors go beyond tax compliance—turning numbers into insight and strategy into confidence. “Too many people see taxes...

Tax season rolls around every year like clockwork, and yet millions of people still find themselves scrambling at the last minute, drowning in receipts and forms they don't fully understand. You're not alone if you've ever stared at a tax form wondering whether you're about to make a costly mistake that'll haunt you for months. Here's something most people don't realize until it's too late: the difference between someone who gets a decent refund and someone who leaves thousands of dollars on the table often comes down to knowing what tax preparation actually means. Not the textbook definition, but...

You just accepted a job offer with an impressive compensation package. Base salary, bonus, health benefits, and three different types of equity compensation. Stock options, restricted stock units, and an employee stock purchase plan. Your recruiter made it all sound amazing, but nobody explained what you actually take home after Uncle Sam gets his cut.

Let's talk about what these equity benefits really cost you in taxes, because the differences are bigger than most people realize. Starting with restricted stock units, which have become the most common form of equity pay. When your RSUs vest, the fair...

You're bleeding money right now and don't even know it. Every day you wait to fix your business tax situation, another hundred dollars slips through your fingers in missed deductions and mounting penalties. A tax accountant working with small businesses in Fremont sees this pattern constantly, and it breaks their heart because every single loss was completely preventable. Here's the brutal truth: most entrepreneurs start businesses because they're passionate about solving problems, not because they love dealing with tax codes. You opened your doors to serve your community and build something meaningful, but somewhere along the way, tax compliance...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

At the start, every small business relies on simple bookkeeping for tracking expenses, sending invoices, and reconciling bank statements. But as operations expand, the number of transactions, employees, and reporting requirements grow too. Suddenly, a bookkeeper who once handled everything starts hitting limits.

If financial reports arrive late, payroll errors keep surfacing, or tax time feels like damage control, those are signs your business may have outgrown basic bookkeeping, and time to level up to full-charge accounting support.

Bookkeeper vs. Full-Charge Bookkeeper: What’s the Difference? A bookkeeper typically manages daily financial data entry and ba...

Nick brings over 15 years experience in the Alternative Finance Industry. Ranging from direct funding, managing syndication portfolios as well as managing day to day operations for a team of over 50 brokers. Nick Russo takes new position as Director of Business Development for Secure Way Capital. Full details can be found on the company website, https://securewaycapital.com.

Secure Way Capital CEO, John Kaye expressed confidence that Nick Russo is ready to handle the job, saying:

Nick has shown a proven track record in all aspects of his career. Adding Nick to our dedicated Secure Way...

Picture this: you run a successful business in the Bay Area. You're doing everything right. Revenue is growing, you're hiring, and then April rolls around. Your accountant tells you that despite paying over $50,000 in California state taxes, you can only deduct $10,000 of it on your federal return. The rest? It just disappears into thin air. That's the SALT cap, and if you haven't heard about it, you're not alone—but it's probably costing you a fortune. The state and local tax deduction cap became law back in 2018, and it's been quietly draining money from business owners ever since. California ha...

Date: October 18, 2025 Contact: Vik Randhawa, CPA Email: info@vikrandhawacpa.com Phone: 888-VIKPROCPA Website: https://www.vikprocpa.com From Numbers to Next-Level Success: Vik Randhawa, CPA, on Smarter Tax Planning and Financial Confidence California CPA transforms traditional tax services into strategic pathways for long-term growth and financial clarity. California — In an increasingly complex financial world, Vik Randhawa, CPA, is redefining what it means to deliver value through tax strategy and business planning. Known for his proactive approach, Randhawa helps business owners, families, and investors go beyond tax compliance—turning numbers into insight and strategy into confidence. “Too many people see taxes...