Tom Cioffi

New York

Assistant Digital Content Manager at Bottom Line Inc.

Featured in: Favicon

bottomlineinc.com

Articles

Pulse Power: What to Know About These Nutritional Powerhouses

May 25, 2024 | bottomlineinc.com | Cynthia Sass |Tom Cioffi

You may love black beans, kidney beans, lima beans, split peas, chickpeas and lentils, but chances are you’ve been calling them by the wrong name for all these years. While beans, lentils, chickpeas, and split peas typically are referred to as beans or legumes, the correct term actually is pulses. They are indeed part of the legume family, which includes any plant that grows in a pod, but the word “pulse” refers specifically to the dry, edible seed that lives within the pod.
How to Eat Healthy On Your Next Road Trip

May 22, 2024 | bottomlineinc.com | Lisa Young |Tom Cioffi

Heading out on a road trip? Here’s how to eat healthy even when options are limited…Be aware. Decide in advance that you’ll keep up your healthy habits while on the road—aim for something like 80% healthy. Then when you’re forced to compromise, you are less likely to binge. Keep in mind the three keys to eating healthy…Planning: Build healthy eating into your planning. What will you bring? Where will you get healthy food?
New Reporting Requirement for Small Businesses

May 22, 2024 | bottomlineinc.com | Martin Shenkman |Tom Cioffi

Effective this year, the Corporate Transparency Act (CTA) requires small businesses and entities to file ownership information with the Financial Crimes Enforcement Network (FinCEN), a division of the US Treasury Department. The law was passed to combat tax fraud through shell companies. Who is affected? Anyone who owns a small business that has incorporated or is an LLC, including home-based businesses and single rental properties. FinCEN estimates that 32 million “entities” must file.
Worry Less About Your Finances

May 18, 2024 | bottomlineinc.com | Jared Dillian |Tom Cioffi

Do you spend a lot of time worrying about your finances? And then perhaps you start following some of the most common financial advice? But is that really helpful? Examples: We’re often told to trim the small daily expenses that add up over time—but that doesn’t really add up to any less anxiety. And we’re told to diversify our portfolios between stocks and bonds—but that isn’t a particularly effective way to reduce anxiety-inducing volatility.
Going Monthly | Bottom Line Inc

May 15, 2024 | bottomlineinc.com | Kelli McCourt |Tom Cioffi

I take pride in being honest with my family, my friends and with you, our Bottom Line subscribers. And I am guessing that the news I am about to share will not surprise many of you, but I hope you will hear me out…Starting with the June issue, Bottom Line Personal will be monthly—32 pages once a month, instead of two 16-page issues. Knowing how astute you are, you may have seen this coming after we started producing four 32-page issues last year.
Hypnosis: Separating the Myths from Reality

May 11, 2024 | bottomlineinc.com | Devin B. Terhune |Tom Cioffi

Hollywood’s portrayal of hypnosis—where the therapist waves a pocket watch in front of the patient and says, “You’re feeling very sleepy”—is far removed from the real thing. In fairness, though, Hollywood script writers aren’t the only ones who struggle to understand hypnosis. The medical and mental health–care community has been studying hypnosis for centuries, yet some major questions remain unanswered.
Simple Habits to Get You Up and Moving - Pain-Free

May 10, 2024 | bottomlineinc.com | Kelly Starrett |Tom Cioffi

Not as mobile as you used to be? Sore backs, stiff joints and decreased mobility often have an astonishingly simple solution, says physical therapy specialist Dr. Kelly Starrett. Here are six postures, positions and very simple activities that can help you maintain mobility and decrease muscle and joint pain as you get older…Sit on the floor sometimes. You can’t avoid sitting in chairs in the modern world, but it’s far from ideal for the human body.
SLATs: Not Just for the Wealthy

May 9, 2024 | bottomlineinc.com | Martin Shenkman |Tom Cioffi

People often assume that Spousal Lifetime Access Trusts (SLATs) aren’t for them. After all, with the federal estate-tax exemption at nearly $13 million in 2023, few families face federal estate taxes. But that amount is set to be cut in half in 2026. And SLATs—where each spouse funds a trust that names the other spouse among its beneficiaries—can be useful for married couples who have as “little” as a million or two…SLATs may let couples position assets outside creditors’ reach.
Lessons About Our Health

May 4, 2024 | bottomlineinc.com | David Agus |Tom Cioffi

A species of jellyfish called Turritopsis dohrnii can revert back to its juvenile form, rendering it essentially immortal. Elephants rarely get cancer even though they have nearly 50 times as many cells as humans—that’s likely because they have an ample supply of a key cancer-fighting gene. Bottlenose dolphins can switch their insulin resistance on and off, a trait that could be used to control diabetes.
Why Gold Will Shine in 2024

May 3, 2024 | bottomlineinc.com | Frank Holmes |Tom Cioffi

Gold has been the way to go in the 21st century. While the S&P 500 has produced a solid 7% annual return (when adjusted for inflation) through the first 24 years of the 2000s, investing in gold topped that, at 7.8%. And yet gold has been a little less shiny for the past few years—it topped $2,000 an ounce for the first time in mid-2020…but nearly four years later, it remains at only slightly over $2,000, generating virtually no profits while stocks have climbed. But there is good news! Frank E.