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Tax Benefits of Homeownership

Buying a home can be a major expenditure. Fortunately, federal tax benefits are available to make homeownership more affordable and less expensive. There may also be tax benefits under state law.

Mortgage interest deduction

One of the most important tax benefits of owning a home is that you may be able to deduct any mortgage interest you pay. If you itemize deductions on your federal income tax return, you can deduct the interest you pay on a loan used to buy, build, or improve your home, provided that the loan is secured by your home. Up to $1 million of such "home acquisition debt" ($500,000 if you're married and file separately) qualifies for the interest deduction.

Is Smart Beta a Smart Strategy for You?

Traditional investment indexes such as the S&P 500 are weighted based on market capitalization, the value of a company's total outstanding stock. This means the largest companies in the index may have much greater influence on index performance than smaller companies. For example, the 10 largest companies in the S&P 500 account for more than 18% of the index's performance, as opposed to about 2% for the 10 largest if every company were weighted equally.1

Funds that track market-weighted indexes may be the most direct way to participate in broad market performance, but there has been increasing interest in an alternative indexing strategy called smart beta (also known as strategic beta or factor-based investing). More than 100 smart-beta exchange-traded funds (ETFs) were launched in 2016.2

Shifting the weight

Bases Loaded Sports Collectibles Plans Beckett Card-grading Event

Bases Loaded Sports Collectibles Plans Beckett Card-grading Event

Bases Loaded Sports Collectibles will host Charles Stabile, Northeast Regional Sales Manager from Beckett Grading Services, for a card and memorabilia grading event from noon to 7 p.m. Friday, Sept. 29, and 10 a.m. to 4 p.m. Saturday, Sept. 30, in the store located at 794 French Road, Cheektowaga.

M&T Bank to Host Local Not-for-Profits at Bills’ Games

M&T Bank to Host Local Not-for-Profits at Bills’ Games

‘The Comfort Zone’ by M&T Provides One-of-a-Kind Game-Day Experience

Eight local not-for-profit organizations will experience an exciting and exclusive game-day experience during the 2017-18 Buffalo Bills season thanks to M&T Bank.

M&T Bank is again donating eight gameday tickets in ‘The Comfort Zone,’ a private section within the M&T Club, to eight local not-for-profit organizations as a ‘thank you’ for their service to the Western New York community. The Comfort Zone features a private club entrance, comfortable lounge seating and complimentary food and beverages.

Professional Carpet and Floor Cleaning Will Wash Away the Remnants of Summer

Professional Carpet and Floor Cleaning Will Wash Away the Remnants of Summer

The calendar has turned to September and the kids are back in school. For the first time in a long time, the house is going to be empty and quiet for several hours a day. Sounds like a good time to have your carpets and flooring professionally cleaned!

“When you have kids and they have friends over all summer long, your flooring throughout the house can take a real beating,” said Edmund Bedient, owner of Clear Choice Cleaning Services in West Seneca and the father of five active children. “Add a pet or pets into the mix and you’re only adding to the problem. So take advantage of the school days and have your carpets and floors professionally cleaned, especially with the holidays right around the corner!”

A sparkling clean home is also extremely important if you are considering putting your house on the market at any time in the near future.

THE CIVIC HEART Powered by AT&T, BCAT, and Squeaky Wheel Student Film Project

THE CIVIC HEART Powered by AT&T, BCAT, and Squeaky Wheel Student Film Project

THE CIVIC HEART powered by AT&T, Buffalo Center for Arts and Technology (BCAT), and Squeaky Wheel documentary project is a powerful short film diving into the motivation of “public servants” and outlining the ways in which all residents can have a voice in the future of our beloved Buffalo and Western New York region.  Thirty high school students from all over the City of Buffalo worked as a team for six weeks to create a documentary to capture the spirit of the people who serve the people of Buffalo and all of Western New York during the free 2017 Summer Youth Arts Program.  Instructor Kevin Kline worked with teens program to develop this unique Buffalo specific documentary supported by AT&T.

Sink or Swim Tattoo Inks Deal for Larger Location

Sink or Swim Tattoo Inks Deal for Larger Location

When local tattoo artist Keith Kuzara purchased Sink or Swim Tattoo from his boss back in the fall of 2015, the first-time business owner probably didn’t expect such a positive and immediate response from the Western New York community … but that’s exactly what he got.

Just two years later, Kuzara and the staff of Sink or Swim have left their 800-square-foot shop in North Tonawanda for much larger space in Niagara Falls. With more employees and more customers, the larger facility is a true blessing.

Located at 2045 Niagara Falls Blvd. in Niagara Falls, the spacious new home of Sink or Swim Tattoo offers 2,000 square feet of comfort for Kuzara, his eight employees and their faithful followers. A soft opening at the new location took place on Tuesday, Aug. 22.