Robert A. Bonavito, CPA http://www.rabcpafirm.com/blog/ Recent Posts en-us Wed, 11 Dec 2024 08:11:33 -0500 Benford’s Law http://www.rabcpafirm.com/blog/benford-s-law/ 2020-10-14 09:02:44 http://www.rabcpafirm.com/blog/benford-s-law/ Hedge Funds http://www.rabcpafirm.com/blog/hedge-funds/ 2020-09-15 16:12:52 http://www.rabcpafirm.com/blog/hedge-funds/ IRS Audits http://www.rabcpafirm.com/blog/irs-audits/ 2020-07-01 09:25:22 http://www.rabcpafirm.com/blog/irs-audits/ Discount and Capitalization Rates http://www.rabcpafirm.com/blog/discount-and-capitalization-rates/ 2020-06-16 08:50:42 http://www.rabcpafirm.com/blog/discount-and-capitalization-rates/ Representing Yourself in Court http://www.rabcpafirm.com/blog/representing-yourself-in-court/ 2020-05-20 09:43:13 http://www.rabcpafirm.com/blog/representing-yourself-in-court/ Two Key Valuation Metrics http://www.rabcpafirm.com/blog/two-key-valuation-metrics/ 2020-05-04 12:24:38 http://www.rabcpafirm.com/blog/two-key-valuation-metrics/ COVID 19 Lost Profit Calculations, http://www.rabcpafirm.com/blog/covid-19-lost-profit-calculations/ 2020-04-23 09:23:05 http://www.rabcpafirm.com/blog/covid-19-lost-profit-calculations/ Estate Litigation http://www.rabcpafirm.com/blog/estate-litigation/ 2020-04-23 09:12:11 http://www.rabcpafirm.com/blog/estate-litigation/ Buying A Car, Part 4 of 4; The Negotiation http://www.rabcpafirm.com/blog/buying-a-car-part-4-of-4-the-negotiation/ 2020-04-02 08:56:55 http://www.rabcpafirm.com/blog/buying-a-car-part-4-of-4-the-negotiation/ Buying A Car, Part 3 of 4; What Is the Monthly Cost, After You Buy the Car http://www.rabcpafirm.com/blog/buying-a-car-part-3-of-4-what-is-the-monthly-cost-after-you-buy-the-car/ 2020-03-17 15:31:25 http://www.rabcpafirm.com/blog/buying-a-car-part-3-of-4-what-is-the-monthly-cost-after-you-buy-the-car/ Buying A Car, Part 2 of 4; Researching Your Car and Your Financing http://www.rabcpafirm.com/blog/buying-a-car-part-2-of-4-researching-your-car-and-your-financing/ 2020-02-28 14:54:26 http://www.rabcpafirm.com/blog/buying-a-car-part-2-of-4-researching-your-car-and-your-financing/ Buying A Car, Part 1 of 4, Plans are Useless, but Planning is Critical; Pres. Eisenhower http://www.rabcpafirm.com/blog/buying-a-car-part-1-of-4-plans-are-useless-but-planning-is-critical-pres-eisenhower/ We are going to talk about something that bothers me often. That’s when somebody comes to me and discusses the issue’s they are having with a car purchase. It usually revolves around paying too much for the car or financing it improperly. Today what I’m going to do is address this and discuss the best way to buy a car. First, for every hour you spend in the dealership you should spend at least three hours researching the car cost and financing alternatives. You also need to set up, if you don’t already have what I call, junk email account, this is an email you’ll use when you research and discuss your car purchase with the dealer or financing firms. This way once you’re done with the transaction you can ignore the emails. Steps involved in buying a car that I’m going to go through are as follows Determining what vehicle type you want, sedan,SUV, hybrid, truck etc. Consumer Reports com com Ask your friends and relatives Car websites We are going to talk about something that bothers me often. That’s when somebody comes to me and discusses the issue’s they are having with a car purchase. It usually revolves around paying too much for the car or financing it improperly. Today what I’m going to do is address this and discuss the best way to buy a car. First, for every hour you spend in the dealership you should spend at least three hours researching the car cost and financing alternatives. You also need to set up, if you don’t already have what I call, junk email account, this is an email you’ll use when you research and discuss your car purchase with the dealer or financing firms. This way once you’re done with the transaction you can ignore the emails. Steps involved in buying a car that I’m going to go through are as follows Determining what vehicle type you want, sedan,SUV, hybrid, truck etc. Consumer Reports com com Ask your friends and relatives Car websites

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2020-02-15 12:46:10 http://www.rabcpafirm.com/blog/buying-a-car-part-1-of-4-plans-are-useless-but-planning-is-critical-pres-eisenhower/
Part 9 Divorce terms http://www.rabcpafirm.com/blog/part-9-divorce-terms/ 2020-02-03 13:13:08 http://www.rabcpafirm.com/blog/part-9-divorce-terms/ Part 8 Child support http://www.rabcpafirm.com/blog/part-8-child-support/ 2020-01-20 09:57:03 http://www.rabcpafirm.com/blog/part-8-child-support/ Part 7 Tax Cut and Job Act “TCJA” http://www.rabcpafirm.com/blog/part-7-tax-cut-and-job-act-tcja/ 2020-01-06 08:26:00 http://www.rabcpafirm.com/blog/part-7-tax-cut-and-job-act-tcja/ Part 6 Importance of case law in Divorce http://www.rabcpafirm.com/blog/part-6-importance-of-case-law-in-divorce/ 2019-12-20 13:05:05 http://www.rabcpafirm.com/blog/part-6-importance-of-case-law-in-divorce/ Part 5 NJ 2014 Alimony changes http://www.rabcpafirm.com/blog/part-5-nj-2014-alimony-changes/ 2019-12-06 09:29:56 http://www.rabcpafirm.com/blog/part-5-nj-2014-alimony-changes/ Part 4 Pendente Lite http://www.rabcpafirm.com/blog/part-4-pendente-lite/ 2019-11-22 07:41:59 http://www.rabcpafirm.com/blog/part-4-pendente-lite/ Theory of The Firm http://www.rabcpafirm.com/blog/theory-of-the-firm/ 2019-11-15 11:48:54 http://www.rabcpafirm.com/blog/theory-of-the-firm/ Case Information statement (CIS) http://www.rabcpafirm.com/blog/case-information-statement-cis/ 2019-11-07 13:59:24 http://www.rabcpafirm.com/blog/case-information-statement-cis/ Divorce from the standpoint of The NJ Forensic Accountant http://www.rabcpafirm.com/blog/divorce-from-the-standpoint-of-the-nj-forensic-accountant2/ 2019-10-25 09:47:19 http://www.rabcpafirm.com/blog/divorce-from-the-standpoint-of-the-nj-forensic-accountant2/ Divorce from the standpoint of The NJ Forensic Accountant http://www.rabcpafirm.com/blog/divorce-from-the-standpoint-of-the-nj-forensic-accountant/ 2019-10-17 08:51:14 http://www.rabcpafirm.com/blog/divorce-from-the-standpoint-of-the-nj-forensic-accountant/ Preventing Employee Theft http://www.rabcpafirm.com/blog/preventing-employee-theft/ 2019-08-16 05:30:25 http://www.rabcpafirm.com/blog/preventing-employee-theft/ Understanding Accounting, http://www.rabcpafirm.com/blog/understanding-accounting/ 2019-06-18 12:17:53 http://www.rabcpafirm.com/blog/understanding-accounting/ New Jersey Forensic Accountant on Predicting Recessions http://www.rabcpafirm.com/blog/new-jersey-forensic-accountant-on-predicting-recessions/ 2019-05-17 07:00:09 http://www.rabcpafirm.com/blog/new-jersey-forensic-accountant-on-predicting-recessions/ Cornerstones of Finance http://www.rabcpafirm.com/blog/cornerstones-of-finance/ 2019-03-02 12:03:09 http://www.rabcpafirm.com/blog/cornerstones-of-finance/ Secrets I learned about investing from the richest people on the planet http://www.rabcpafirm.com/blog/secrets-i-learned-about-investing-from-the-richest-people-on-the-planet/ 2019-02-14 12:33:45 http://www.rabcpafirm.com/blog/secrets-i-learned-about-investing-from-the-richest-people-on-the-planet/ How to Become a Forensic Accountant http://www.rabcpafirm.com/blog/how-to-become-a-forensic-accountant/ 2019-01-23 06:15:38 http://www.rabcpafirm.com/blog/how-to-become-a-forensic-accountant/ Hamada’s Equation http://www.rabcpafirm.com/blog/hamada-s-equation/ 2019-01-02 13:17:31 http://www.rabcpafirm.com/blog/hamada-s-equation/ Fixed Income Market and the 2 in 10 Year Bonds http://www.rabcpafirm.com/blog/fixed-income-market-and-the-2-in-10-year-bonds/ 2018-11-30 05:37:26 http://www.rabcpafirm.com/blog/fixed-income-market-and-the-2-in-10-year-bonds/ Father of Forensic Accounting http://www.rabcpafirm.com/blog/father-of-forensic-accounting/ 2018-11-30 05:29:52 http://www.rabcpafirm.com/blog/father-of-forensic-accounting/ Exit Multiples in Business Valuation http://www.rabcpafirm.com/blog/exit-multiples-in-business-valuation/ 2018-10-25 14:22:46 http://www.rabcpafirm.com/blog/exit-multiples-in-business-valuation/ Perpetuity Growth Method http://www.rabcpafirm.com/blog/perpetuity-growth-method/ 2018-10-10 09:17:48 http://www.rabcpafirm.com/blog/perpetuity-growth-method/ Midyear Convention http://www.rabcpafirm.com/blog/23-midyear-convention/ What is a midyear convention?  In finance when we discount cash flows we assume that all the money is received at the end of the year, and discount it back.  Obviously, this has some questionable assumptions, mainly that all the money would be received at December 31st. In order to make the projections more realistic many times we will adopt a midyear convention. This assumes that we receive the cash flow evenly throughout the year. While this is not perfect it is more accurate than what is typically done in most cash flow calculations.

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2018-09-28 08:27:31 http://www.rabcpafirm.com/blog/23-midyear-convention/
New Jersey Cannabis Industry http://www.rabcpafirm.com/blog/new-jersey-cannabis-industry/ New Jersey cannabis industry relies on the expertise of Robert A. Bonavito NJ forensic accountant for services.

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2018-09-26 08:19:45 http://www.rabcpafirm.com/blog/new-jersey-cannabis-industry/
Enterprise Value http://www.rabcpafirm.com/blog/enterprise-value/ 2018-09-21 08:26:20 http://www.rabcpafirm.com/blog/enterprise-value/ Understanding Options http://www.rabcpafirm.com/blog/understanding-options/ 2018-09-12 09:06:40 http://www.rabcpafirm.com/blog/understanding-options/ History of Divorce http://www.rabcpafirm.com/blog/history-of-divorce/ 2018-08-29 06:04:54 http://www.rabcpafirm.com/blog/history-of-divorce/ Long-Term Returns on Stocks v. Bonds and Gold http://www.rabcpafirm.com/blog/long-term-returns-on-stocks-v-bonds-and-gold/ 2018-08-23 13:20:44 http://www.rabcpafirm.com/blog/long-term-returns-on-stocks-v-bonds-and-gold/ NJ Forensic Accountant, Robert A Bonavito - Presents Employee Theft Paper at Harvard University http://www.rabcpafirm.com/blog/nj-forensic-accountant-robert-a-bonavito-presents-employee-theft-paper-at-harvard-university/ 2018-07-25 15:55:13 http://www.rabcpafirm.com/blog/nj-forensic-accountant-robert-a-bonavito-presents-employee-theft-paper-at-harvard-university/ Valuation; The Dividend Method http://www.rabcpafirm.com/blog/valuation-the-dividend-method/ 2018-07-19 10:36:51 http://www.rabcpafirm.com/blog/valuation-the-dividend-method/ Four Keys to Being a Successful Forensic Accountant http://www.rabcpafirm.com/blog/four-keys-to-being-a-successful-forensic-accountant/ 2018-07-10 08:33:52 http://www.rabcpafirm.com/blog/four-keys-to-being-a-successful-forensic-accountant/ Divorce, Pendente lite http://www.rabcpafirm.com/blog/divorce-pendente-lite/ 2018-06-25 08:32:43 http://www.rabcpafirm.com/blog/divorce-pendente-lite/ Inequality, One of the Causes http://www.rabcpafirm.com/blog/inequality-one-of-the-causes/ 2018-06-15 08:56:34 http://www.rabcpafirm.com/blog/inequality-one-of-the-causes/ What is Ex Ante and Ex Post? http://www.rabcpafirm.com/blog/what-is-ex-ante-and-ex-post/ 2018-06-06 09:58:50 http://www.rabcpafirm.com/blog/what-is-ex-ante-and-ex-post/ The Slippery Slope and Ad Hominem Arguments http://www.rabcpafirm.com/blog/the-slippery-slope-and-ad-hominem-arguments/ 2018-06-01 04:54:25 http://www.rabcpafirm.com/blog/the-slippery-slope-and-ad-hominem-arguments/ The Sharpe Ratio http://www.rabcpafirm.com/blog/the-sharpe-ratio/ 2018-05-19 09:17:09 http://www.rabcpafirm.com/blog/the-sharpe-ratio/ Divorce Steneken http://www.rabcpafirm.com/blog/divorce-steneken/ 2018-05-10 04:56:10 http://www.rabcpafirm.com/blog/divorce-steneken/ Bank Accounting http://www.rabcpafirm.com/blog/bank-accounting/ 2018-04-19 09:58:14 http://www.rabcpafirm.com/blog/bank-accounting/ The Savings Component http://www.rabcpafirm.com/blog/the-savings-component/ 2018-04-07 14:46:38 http://www.rabcpafirm.com/blog/the-savings-component/ How to Buy a New Car http://www.rabcpafirm.com/blog/how-to-buy-a-new-car/ 2018-03-31 11:40:32 http://www.rabcpafirm.com/blog/how-to-buy-a-new-car/ How and Why to Leave Your Bank http://www.rabcpafirm.com/blog/how-and-why-to-leave-your-bank/ 2018-03-17 09:21:46 http://www.rabcpafirm.com/blog/how-and-why-to-leave-your-bank/ Eichleay Formula http://www.rabcpafirm.com/blog/eichleay-formula/ 2018-03-10 11:30:31 http://www.rabcpafirm.com/blog/eichleay-formula/ Why Mergers and Acquisition Happen http://www.rabcpafirm.com/blog/why-mergers-and-acquisition-happen/ 2018-02-26 15:05:52 http://www.rabcpafirm.com/blog/why-mergers-and-acquisition-happen/ Finding Information on Public Companies http://www.rabcpafirm.com/blog/finding-information-on-public-company/ 2018-02-17 11:05:23 http://www.rabcpafirm.com/blog/finding-information-on-public-company/ 3. New Jersey Trustee Commissions http://www.rabcpafirm.com/blog/new-jersey-trustee-commission/ Most people look at it as an honor to be appointed someone’s executor or trustee. But once they have the duties they soon find out that this is all work and little gratitude. Often the trustees and executors are blamed for any kind of issues or problems with the trust or estate, but if everything goes as planned no one really notices. The other thing is you are not really compensated for your time, the State of NJ has strict guidelines as to what you can receive as a trustee or executor. For Estates you have the following formula for the corpus: 5% of the first $200,000 3.5% of the next $800,000 2% of the excess over $1,000,000 In addition, you earn 6% on the earnings For Trusts use the following: .5% first $400,000 .3% for the excess When you calculate your time, you find that you are only earning seven or eight dollars an hour for all of your hard work. There is one little exception that few people do not realize. If you do provide extraordinary services to the estate or trust you may be able to go back to the court and request to be properly compensated for that.

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2018-02-08 15:21:47 http://www.rabcpafirm.com/blog/new-jersey-trustee-commission/
Hiding Income at The Internal Revenue Service http://www.rabcpafirm.com/blog/hidden-assets-divorce/ 2018-02-01 13:48:40 http://www.rabcpafirm.com/blog/hidden-assets-divorce/ Capital Structure and Risk http://www.rabcpafirm.com/blog/capital-structure-and-risk/ When I try to explain capital structure to someone, I usually make it  personal. For example, when they purchased a car or need a mortgage they had to make a decision between how much to borrow and how much cash to put down. This is the type of thinking that everyone who makes a large purchase goes through. They weigh the pluses and minuses of both the debt and  cash. They realize for example they can usually buy a more expensive car or bigger house if they have more debt and use a lot of their cash. They also realize that if their income in the future is not what they expect this could have drastic effect on their lifestyle. Essentially when you think about that you need you think  about risk. The more debt the more riskier you are. Most people look at debt as a negative, however I think it’s more complex than that. Think of a family that needs a bigger house because they have a growing family. They cannot afford it based on their income and cash they have the bank, but if they borrow they can afford to have the extra bedroom and the extra bathroom. In addition, having debt makes you more conscious and more alert as to your spending habits and income opportunities. If you have a lot of cash in the bank, people have a tendency to become lazy and waste the cash. 

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2018-01-22 16:22:45 http://www.rabcpafirm.com/blog/capital-structure-and-risk/
Understanding The $38 Trillion Bond Market http://www.rabcpafirm.com/blog/nj-foresic-accountant-and-the-bond-market/ 2017-10-25 14:30:53 http://www.rabcpafirm.com/blog/nj-foresic-accountant-and-the-bond-market/ Forensic Fraud Income Reconstruction http://www.rabcpafirm.com/blog/forensic-fraud-income-reconstruction/ 2017-10-18 06:32:49 http://www.rabcpafirm.com/blog/forensic-fraud-income-reconstruction/ Framework for Teaching Financial Planning in High School http://www.rabcpafirm.com/blog/framework-for-teaching-financial-planning-in-high-school/ The importance of understanding finances cannot be understated, financial mistakes will be long-lasting. I think a good template for teaching financial planning in high school is the same one that we use for drivers’ education.   Most kids learn to drive initially by constantly watching their parents drive. At some point in high school they have to take a driver’s education class which requires them to pass a written exam at the end of that class. Once this exam is passed they spend 15 hours of driving with a professional driver. After that they receive what’s known as a temporary driving permit. With restrictions they continue to drive for one year and if they have a good driving record they then can take a driver’s test. If they pass the driver test they still have a two-year probationary period under which your driving is monitored. The whole training takes between two and three years before they earn their driver’s license.   I would propose a similar type of education requirement for financial planning, where you’d have to take a class and pass a written test; upon passing that written test you’d be given a bank account, credit card, investment account, a retirement account, and a small loan. These accounts would be set up and monitored by an experienced professional. For one year you would use these various accounts for spending, your credit card, paying a small loan off, balancing your checkbook, investing a small portion in a retirement account. After one year, your performance would be evaluated to make sure you properly handle these various accounts. After you met those requirements you then would go to the next phase where you’d actually use these accounts for a period of two years which again,   would be monitored by professionals. After two years, if you didn’t have any major problems you then would be free to manage these accounts on your own.   I think the best way to learn financial planning and finances not only by studying but actually doing it, and the plan that I’ve outlined would accomplish both of these goals.

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2017-10-12 07:57:36 http://www.rabcpafirm.com/blog/framework-for-teaching-financial-planning-in-high-school/
How Billionaires Become Billionaires http://www.rabcpafirm.com/blog/how-billionaires-become-billionaires/ 2017-09-08 04:35:52 http://www.rabcpafirm.com/blog/how-billionaires-become-billionaires/ How My Client Made $5,159,930 http://www.rabcpafirm.com/blog/how-my-client-made-5159930/ I know it sounds like a lot of money and hard work, but what this client simply did was put $5,000 in a tax-free investment from age 19 to age 30, only 11 payments. They invested in a Vanguard low-cost tax efficient fund that averaged a return of 10%.  

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2017-08-15 08:01:34 http://www.rabcpafirm.com/blog/how-my-client-made-5159930/
My job is best described as a garbage man http://www.rabcpafirm.com/blog/forensic-accounting/ 2017-08-01 08:00:41 http://www.rabcpafirm.com/blog/forensic-accounting/ The Importance of Mergers and Acquisitions http://www.rabcpafirm.com/blog/the-importance-of-mergers-and-acquisitions/ You may often wonder why there are so many mergers and acquisitions, hardly a day goes by when you don’t hear of a company merging or acquiring another company. The importance of mergers and acquisitions cannot be understated, it’s an important element of a dynamic economy. The reason that mergers and acquisitions are so important is that it puts assets in the hands of better owners.   Unfortunately, academic studies show that more than 1/3 of acquisitions actually destroy shareholder value. The reason for this is that the acquirer over pays for the acquisition. When this is done the selling company actually receives all the benefits and the acquirer has paid fair market value for the company and receives none. This is one of the reasons why a proper and appropriate valuation is needed when a company is acquiring another company.

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2017-07-22 08:39:42 http://www.rabcpafirm.com/blog/the-importance-of-mergers-and-acquisitions/
NJ Forensic Accountant http://www.rabcpafirm.com/blog/nj-forensic-accountant5/ 2017-07-15 08:15:03 http://www.rabcpafirm.com/blog/nj-forensic-accountant5/ 4. Investing in Franchises http://www.rabcpafirm.com/blog/investing-in-a-franchise/ 2017-07-15 07:40:41 http://www.rabcpafirm.com/blog/investing-in-a-franchise/ 6. Mutual Fund Expenses http://www.rabcpafirm.com/blog/new-jersey-forensic-accountant/ 2017-06-24 10:50:31 http://www.rabcpafirm.com/blog/new-jersey-forensic-accountant/ The Power of a Roth IRA http://www.rabcpafirm.com/blog/roth-ira/ 2017-06-17 06:51:56 http://www.rabcpafirm.com/blog/roth-ira/ Return On Invested Capital http://www.rabcpafirm.com/blog/return-on-invested-capital/ 2017-06-10 07:55:44 http://www.rabcpafirm.com/blog/return-on-invested-capital/ Predicting the movement in the stock market http://www.rabcpafirm.com/blog/stock-market/ 2017-05-26 10:05:06 http://www.rabcpafirm.com/blog/stock-market/ 12. Thinking of Changing Your Residence for Tax Reasons http://www.rabcpafirm.com/blog/new-jesey-forensic-accountant/ Many people in the Northeast want to relocate to a low-cost state in order to reduce their living expenses and avoid high taxes. They still however, want the benefits of living in the Northeast that includes the great climate, unlimited entertainment, best doctors etc. Essentially, they want the best of both worlds, low taxes with a great lifestyle.  In order to determine residency, the government looks at several factors such as voter registration, car insurance, licenses, and credit card bills. Most people feel just changing your voter registration is enough, but all you have to do is look at their bank statements and credit card bills and you’ll see that they spend most of their time in the Northeast. The rules regarding residence can be complicated, so plan carefully.

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2017-05-10 10:40:46 http://www.rabcpafirm.com/blog/new-jesey-forensic-accountant/
Three Questions You Should ask about your Money http://www.rabcpafirm.com/blog/forensic-accountant/ What is the best way to save your money? What is the best way to invest your money? What is the best way to protect your money?   These are three questions that everyone should be able to answer. If you don’t ask the question you’ll never figure out the best answer.

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2017-05-01 10:20:51 http://www.rabcpafirm.com/blog/forensic-accountant/
Are Timeshares A Good Investments? http://www.rabcpafirm.com/blog/timeshares/ I have a couple clients that actually like timeshares, but these clients are few and far between. I tell my clients if you have plenty of money and lots of vacation time and like to go to the same place year in year out, timeshares probably are not a bad investment. However, the key problem with timeshares are they are expensive, they have annual carrying costs that are increasing, and they are extremely difficult to sell. Remember if you have a timeshare, you still have to fly there and provide all of your food and entertainment cost. There are a few positive aspects of timeshares, but the many problems far outweigh those positive aspects. Never invest in anything that eats or needs repairs.

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2017-04-08 03:56:26 http://www.rabcpafirm.com/blog/timeshares/
What are the Four Cornerstones of Value? http://www.rabcpafirm.com/blog/nj-forensic-accountant4/ 1)Companies create value by investing capital from investors to generate future cash flows at a rate of return exceeding the cost of that capital. 2)Value is created for shareholders when a company generates higher cash flows, not by rearranging claims on those cash flows.   3)A company’s performance in the stock market is given by changes in the stock market expectations not just the company’s actual performance, this is sometimes called the expectation treadmill. 4)The value of a business depends on who is managing it and what strategy they pursue, “Best Managers.”

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2017-04-01 08:20:54 http://www.rabcpafirm.com/blog/nj-forensic-accountant4/
What's wrong with a 401K http://www.rabcpafirm.com/blog/nj-forensic-accountant3/ Most people think that is appropriate to contribute as much as you can to your company 401(k), no matter what. My opinion is that it is not always the best way to invest your money. You should consider several factors before investing in your company 401K, like, what are your investment choices, whether or not the employer matches your contribution, and will you need that money before you retire. The biggest problems I have with 401(k)s is that people contribute to them in their 20s and early 30s, however when they approach their mid-30s they decide to make an investment or buy a house and find that they have no savings. There only choice is to raid there 401(k). Unfortunately, the 401(k) has not performed that well and so now the end up taking the money out paying taxes and penalties which can be as much is 50%. This happens a lot more often than you think. My suggestion, carefully consider whether to invest in your 401(k), there are much better option sometimes, such as the Roth IRA.

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2017-03-24 08:21:21 http://www.rabcpafirm.com/blog/nj-forensic-accountant3/
Fiduciary Standard v. Suitability Standards http://www.rabcpafirm.com/blog/fiduciary-standard-v-suitability-standard/ In our litigation practice we have many law firms contacting us to review, prepare reports and testify on poor performing investments. The key aspect to understanding whether your advisor did a good job, is understanding the difference between fiduciary standard and suitability standard. In fiduciary standard the financial advisor has a duty to act in your best interest not to steer you into overpriced investment products. Under suitability standard the financial advisor is under no obligation to find the best deal for you. This is probably why you rarely see an investment advisor invest someone into treasury bills or no load efficient mutual funds.  

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2017-03-11 09:15:51 http://www.rabcpafirm.com/blog/fiduciary-standard-v-suitability-standard/
Expectation Treadmill http://www.rabcpafirm.com/blog/cpa-expectation-treadmill/ At any given point in time a company’s value may not only be based on cash flow, assets or other criteria. It may be based on the expectations for that company. If the company is well-positioned and investors expect the market share to geometrically expand the value of the company will expand in lockstep with these expectations.

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2017-03-04 04:58:16 http://www.rabcpafirm.com/blog/cpa-expectation-treadmill/
Credit Markets http://www.rabcpafirm.com/blog/credit-markets/ We are familiar with the stock market, but less familiar with the credit market. However, the credit market dwarfs the stock market in transactions and in market value. Trillions of dollars are traded on the credit markets each week. In a nutshell, credit markets are generally trade government and corporate bonds. If you are a believer in wisdom of the crowd, you will closely follow the credit markets. Depending on the demand for a particular bond interest rates will fluctuate and reflect the thinking of the market participants. For example, if the crowds are thinking that a recession is around the corner they will pile into bonds driving the rates down. Anyone following the credit markets will quickly be aware of what the general feeling of consumers are.

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2017-02-25 08:01:05 http://www.rabcpafirm.com/blog/credit-markets/
Core Value http://www.rabcpafirm.com/blog/core-value-nj-forensic-accountant/ Essentially, companies create value for their owners by investing cash to generate more cash in the future. The three important drivers in order to determine core value for a company are growth, return on invested capital (ROIC) and cash flow. The interplay of these three characteristics can be seen in successful companies.  As a company grows it usually creates more cash flow and at the same time increases return on invested capital.

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2017-02-16 09:37:48 http://www.rabcpafirm.com/blog/core-value-nj-forensic-accountant/
Consumer Expenditures by Age http://www.rabcpafirm.com/blog/cpa-forensic-accountant/ There is a trend to expenditures and income, this trend closely follows a persons age. Naturally, for most of your life your income has to exceed or equal your expenses otherwise you would go bankrupt. However, in your early 20s studies show that your expenditures do actually exceed your income. In your 30s 40s and 50s the trend of income exceeding your expenditures makes sense, since you’ll be saving for retirement and unplanned expenses. By your 60s and 70s income and expenses level off.

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2017-01-28 12:59:18 http://www.rabcpafirm.com/blog/cpa-forensic-accountant/
Basics of a Leveraged Buyout http://www.rabcpafirm.com/blog/basics-of-a-leveraged-buyout/ Leveraged buyouts in the 80s were extremely popular and recently there has been a resurgence in the use of leveraged buyouts. I’m going to go through what I call my LBO on a cocktail napkin. This example will demonstrate how it would work from the perspective of the buyers and seller and how the LBO would benefit both parties.    

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2017-01-12 04:57:23 http://www.rabcpafirm.com/blog/basics-of-a-leveraged-buyout/
The three main methodologies used in valuing a business. http://www.rabcpafirm.com/blog/valuation/ This New Jersey business appraiser discusses the three methodologies that are used when valuing a business. Usually, his firm attempts to use all three methodologies whether it is a public company or a private company.

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2016-12-20 08:44:47 http://www.rabcpafirm.com/blog/valuation/
The IRS is watching your divorce http://www.rabcpafirm.com/blog/taxes-in-divorce/ Why is the IRS watching your divorce? You should have a good understanding of decisions you are making during your divorce. After all, these decisions may affect your tax returns for many years.

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2016-11-02 09:15:13 http://www.rabcpafirm.com/blog/taxes-in-divorce/
Business Model Canvas http://www.rabcpafirm.com/blog/nj-forensic-accountant2/ It would be nice to have a canvas on your wall that shows you all of your company’s key inputs as one picture. There is such a tool, and it is called the Business Model Canvas.  

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2016-10-04 05:33:57 http://www.rabcpafirm.com/blog/nj-forensic-accountant2/
Retirement Benefits in a Divorce http://www.rabcpafirm.com/blog/retirement-benefits-in-a-divorce/ After spending most of your life accumulating retirement benefits, you probably should have a good idea of how a divorce will affect these benefits.

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2016-09-22 14:31:47 http://www.rabcpafirm.com/blog/retirement-benefits-in-a-divorce/
Valuation of a Business in a Nutshell http://www.rabcpafirm.com/blog/valuation-of-a-business-in-a-nutshell/ This business appraiser attempts to explain the concepts used in a business valuation in less than two minutes.  

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2016-09-07 05:50:02 http://www.rabcpafirm.com/blog/valuation-of-a-business-in-a-nutshell/
Terminal Value http://www.rabcpafirm.com/blog/appraisal/ There are public companies that have been around for more than 150 years. So how do you perform a valuation on a business that may survive that long? One technique that we use in our firm is called Terminal Value.  

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2016-08-25 05:20:09 http://www.rabcpafirm.com/blog/appraisal/
Don’t Let Your Children Lose $5,159,930 Too! http://www.rabcpafirm.com/blog/don-t-let-your-children-lose-5-159-930-too/ Help fight Inequality, Don’t Let Your Children Lose $5,159,930 Too!

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2016-08-22 11:53:03 http://www.rabcpafirm.com/blog/don-t-let-your-children-lose-5-159-930-too/
The growth of index funds; is business valuation dead? http://www.rabcpafirm.com/blog/the-growth-of-index-funds-is-business-valuation-dead/ More and more people are waking up in the morning and scratching their heads, wondering why they are investing in the stock market. It’s not that they are really worrying about why they are investing in the stock market, but why they’re trading stocks?

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2016-08-15 09:53:37 http://www.rabcpafirm.com/blog/the-growth-of-index-funds-is-business-valuation-dead/
Contingent claims valuation http://www.rabcpafirm.com/blog/contingent-claims-valuation/ Understanding the contingent claims valuation method can be extremely useful when valuing asset rich companies like coal mines, oil companies, and other natural resource businesses.

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2016-07-22 09:02:43 http://www.rabcpafirm.com/blog/contingent-claims-valuation/
Real Estate Investments http://www.rabcpafirm.com/blog/forensic-accounting-cpa/ A little-known fact that real estate generally appreciates at the rate of inflation is not known by many investors. This is why your home may not be a great investment after all, especially compared to other investment alternatives.

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2016-07-08 09:28:27 http://www.rabcpafirm.com/blog/forensic-accounting-cpa/
Understanding Alpha and Lambda http://www.rabcpafirm.com/blog/understanding-alpha-and-lambda/ When you buy a stock or invest with an investment manager two key terms you should use and understand are Alpha and Lambda.

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2016-06-24 14:36:34 http://www.rabcpafirm.com/blog/understanding-alpha-and-lambda/
How to analyze an Investment Opportunity http://www.rabcpafirm.com/blog/how-to-analyze-an-investment-opportunity/ New Jersey forensic Accountant shows how to apply Net Present Value to build a framework to analyze any investment or opportunity.

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2016-06-02 09:13:29 http://www.rabcpafirm.com/blog/how-to-analyze-an-investment-opportunity/
Intrinsic Valuation Method http://www.rabcpafirm.com/blog/intrinsic-valuation-method/ The most widely used method of valuation is the intrinsic valuation. This method has been around for over 2,500 years and has been proven by the test of time.  

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2016-05-20 08:29:23 http://www.rabcpafirm.com/blog/intrinsic-valuation-method/
Relative Valuation Method http://www.rabcpafirm.com/blog/nj-forensic-accountant/ The relative method of valuation can be extremely useful and provide a quick snapshot of the value parameters of a business. Rules of thumb and ratios can sometimes be very useful when utilizing this method.  

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2016-05-04 13:30:33 http://www.rabcpafirm.com/blog/nj-forensic-accountant/
How much will I have to pay in child support? http://www.rabcpafirm.com/blog/divorce/ Thousands and thousands of pages have been written about child support. This divorce accountant attempts to give you a snapshot of child-support.

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2016-04-21 15:38:53 http://www.rabcpafirm.com/blog/divorce/
NJ forensic accountant deals with life or death issues http://www.rabcpafirm.com/blog/forensic/

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2016-04-07 16:18:47 http://www.rabcpafirm.com/blog/forensic/
Issues with the house in a divorce http://www.rabcpafirm.com/blog/isues-with-the-house-in-a-divorce/ For most people their largest asset is their house. This video will discuss some of the key decisions you have to make regarding this asset in a matrimonial matter.

 

 

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2016-03-23 07:48:55 http://www.rabcpafirm.com/blog/isues-with-the-house-in-a-divorce/
New Jersey Divorce Accountant saves client over $50,000 with divorce tax planning. http://www.rabcpafirm.com/blog/new-jersey-divorce-accountant-saves-client-over-50-000-with-divorce-tax-planning/

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2016-03-11 14:04:02 http://www.rabcpafirm.com/blog/new-jersey-divorce-accountant-saves-client-over-50-000-with-divorce-tax-planning/
NJ Forensic Accountant looks at SWOT, USPS could pose a threat to UPS http://www.rabcpafirm.com/blog/nj-forensic-accountant-looks-at-swot-usps-could-pose-a-threat-to-ups/ Many tools are used to assist business appraisers in valuing businesses. One of these tools invented in the early 1960s has survived the test of time; “SWOT”, and should be used in most situation analysis, including business appraisals.

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2016-02-17 14:59:17 http://www.rabcpafirm.com/blog/nj-forensic-accountant-looks-at-swot-usps-could-pose-a-threat-to-ups/
NJ Forensic Accountant successfully testifies on hidden account that grew to over 4 million dollars, using Aristocrats theory. http://www.rabcpafirm.com/blog/nj-forensic-accountant-successfully-testifies-on-hidden-account-that-grew-to-over-4-million-dollars-using-aristocrats-theory/ Something You will rarely hear discussed on investment shows, is the Aristocrats. The Aristocrats is a small list of elite dividend paying stocks.

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2016-02-03 09:01:06 http://www.rabcpafirm.com/blog/nj-forensic-accountant-successfully-testifies-on-hidden-account-that-grew-to-over-4-million-dollars-using-aristocrats-theory/
Understanding the US Tax Code in less the two minutes. http://www.rabcpafirm.com/blog/understanding-the-us-tax-code-in-less-the-two-minutes/ The US Tax Code simplified by NJ forensic accountant

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2016-01-20 06:31:43 http://www.rabcpafirm.com/blog/understanding-the-us-tax-code-in-less-the-two-minutes/
Why Did the Harvard University Endowment Fund Only Earn 5.8% http://www.rabcpafirm.com/blog/nj-forensic-accountant-questions-why-the-harvard-university-fund-underperformed-index-funds/ Why do low-cost index funds outperform 98% of actively managed funds in the long-term? This short discussion attempts to shed some light on this paradox, using the Harvard University Endowment Fund as an example.

Robert A. Bonavito discusses how we look at returns. He explains what a risk-free rate and equity risk premium are. Learn more about Robert A. Bonavito’s New Jersey forensic accounting services.

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2016-01-05 13:05:39 http://www.rabcpafirm.com/blog/nj-forensic-accountant-questions-why-the-harvard-university-fund-underperformed-index-funds/
Understanding the Weighted Average Cost of Capital http://www.rabcpafirm.com/blog/increase-your-companies-value-using-weighted-average-cost-of-capital/ New Jersey business valuation accountant Robert A. Bonavito, CPA, explains what the weighted average cost of capital is. By understanding what your weighted average cost of capital is, you will see why debt is so dangerous and how it affects the operation of your business and the calculation of cost of capital.

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2015-12-07 14:55:21 http://www.rabcpafirm.com/blog/increase-your-companies-value-using-weighted-average-cost-of-capital/
Divorce in New Jersey: Understanding Premarital Assets http://www.rabcpafirm.com/blog/nj-forensic-accountant-discusses-premarital-assets-in-a-divorce/ Premarital assets can become a concern when a couple is going through a divorce. A divorce accountant can help you prove if an asset was premarital and help you determine whether the asset is active or passive. Robert A. Bonavito, CPA, a divorce accountant in New Jersey, explains the importance of premarital assets, where the burden of establishing immunity falls, and key concepts that affect divorce calculations.

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2015-11-17 14:28:40 http://www.rabcpafirm.com/blog/nj-forensic-accountant-discusses-premarital-assets-in-a-divorce/
Time Travel: Present and Future Value Calculations http://www.rabcpafirm.com/blog/nj-forensic-accountant-uses-time-travel-to-make-clients-over-153-million-dollars/ New Jersey Forensic Accountant Robert A. Bonavito, CPA, explains present and future values. Time travel and finance are intertwined through the calculation of present and future value. In this video, Bonavito gives examples of how present and future value calculations can be used in your everyday life to understand where you will be in 30 years. These tools combined with a good financial advisor or low-cost investment funds can change your life.

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2015-10-26 10:21:31 http://www.rabcpafirm.com/blog/nj-forensic-accountant-uses-time-travel-to-make-clients-over-153-million-dollars/
The Fraud Triangle and Protecting Your Business from Fraud http://www.rabcpafirm.com/blog/nj-forensic-accountant-estimates-worldwide-fraud-at-1-trillion-dollars/ The amount of fraud that happens in the world each year is over a trillion dollars. New Jersey Forensic Accountant Robert A. Bonavito, CPA, discusses the fraud triangle, which was invented by Donald Cressey to explain why employees steal and who is most likely to steal. Using case examples, Bonavito explains the different types of predators and the importance of keeping control to protect yourself and your business from fraud.

 

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2015-10-05 13:08:22 http://www.rabcpafirm.com/blog/nj-forensic-accountant-estimates-worldwide-fraud-at-1-trillion-dollars/
Why You Need a Forensic Accountant http://www.rabcpafirm.com/blog/nj-forensic-accountant-exhumes-body-for-dna-test/ What is a forensic accountant, and why do you need one? In this video, Robert A. Bonavito, CPA, explains that a forensic accountant is an independent expert who can testify in court. Article 12 of the New Jersey Rules of Evidence covers opinions and expert testimony. Bonavito discusses what expert testimony is, the basis of expert testimony, and the opinion on the ultimate issue.

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2015-09-14 10:40:57 http://www.rabcpafirm.com/blog/nj-forensic-accountant-exhumes-body-for-dna-test/
The Double Dip Case and Business Valuations: Steneken v Steneken http://www.rabcpafirm.com/blog/steneken-v-steneken/ Many small business owners feel that they are being taxed twice, once with alimony and once when they sell half of their business. This is often referred to as the “double-dip” issue. However, if you understand how a business valuation is done, you will realize that is not the case. In this video, Robert A. Bonavito, CPA, a divorce accountant in New Jersey, explains how compensation is deducted, how it affects cash flow, and how alimony is paid.

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2015-08-24 13:15:08 http://www.rabcpafirm.com/blog/steneken-v-steneken/
Arithmetic Mean and Geometric Mean in Relation to Profit http://www.rabcpafirm.com/blog/geometric-mean-v-arithmetic-mean/ Don’t believe what you read in the papers! New Jersey Forensic Accountant Robert A. Bonavito, CPA, speaks on arithmetic mean and geometric mean. These two basic definitions have a dramatic effect on the way you view financial news. Much of what you hear and read about in business shows and magazines is based on deception and fraud.

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2015-08-04 04:59:49 http://www.rabcpafirm.com/blog/geometric-mean-v-arithmetic-mean/
Sheridan v. Sheridan and the Double-Dip Issue http://www.rabcpafirm.com/blog/sheridan-v-sheridan/ Robert A. Bonavito CPA, a divorce accountant in New Jersey, speaks on Sheridan v. Sheridan. This video focuses on the double dip issue in divorce, which was brought up in the 2004 case of Steneken v. Steneken.

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2015-07-13 09:32:11 http://www.rabcpafirm.com/blog/sheridan-v-sheridan/
Divorce in New Jersey - Process, Rules & Regulations http://www.rabcpafirm.com/blog/divorce-process-in-new-jersey2/ Every state has different rules and regulations when it comes to divorce. In this video, Robert A. Bonavito, CPA, gives a brief overview of the divorce process in New Jersey. Getting a divorce can be complicated. Typically a forensic accountant needs to be involved if certain financial issues are to be resolved. Bonavito also discusses contested cases versus uncontested cases, child support, pendente lite motions, alimony issues, and division of marital property.

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2015-06-22 13:31:14 http://www.rabcpafirm.com/blog/divorce-process-in-new-jersey2/
Understanding Capitalization Rates for Valuing Companies http://www.rabcpafirm.com/blog/valuing-companies/ New Jersey business valuation accountant Robert A. Bonavito, CPA, speaks on understanding capitalization rates. In this video, Robert will go through and explain what a capitalization rate is, how it relates to cash flow, and why it is important in valuing a company. Many managers who don’t understand what the capitalization rate is are actually destroying value rather than creating it. We will shed light on this.

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2015-06-01 09:32:56 http://www.rabcpafirm.com/blog/valuing-companies/
Litigation Support from a New Jersey Forensic Accountant http://www.rabcpafirm.com/blog/what-do-forensic-accountants-do/ Robert A. Bonavito, CPA, is a New Jersey forensic accountant who can help with any issue involving monetary damages. In this video, we will discuss the importance of having a forensic accountant to help prepare cases involving profit and loss claims, damage studies, appraisals, employee fraud, business valuations, marital dissolution, and criminal acts.

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2015-05-18 12:44:34 http://www.rabcpafirm.com/blog/what-do-forensic-accountants-do/
Business Valuation: Understanding the Build Up Method http://www.rabcpafirm.com/blog/capitalizations-rates/ New Jersey Forensic Accountant Robert A. Bonavito, CPA, speaks on the build-up method, which is a way to calculate the discount rate and, in turn, the capitalization rate. As an investor or manager of a company, whether it be a large corporation or small business, understanding how to develop a capitalization rate is one of the most important functions you will do. If you don’t know your businesses capitalization rate, you don’t know your business.

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2015-05-04 13:10:18 http://www.rabcpafirm.com/blog/capitalizations-rates/
NJ Accountant Discusses the History of Forensic Accounting http://www.rabcpafirm.com/blog/history-of-forensic-accounting/ In this video, New Jersey forensic accountant Robert A. Bonavito, CPA, discusses the history of accounting, dating all the way back to 3500 BC. Bonavito also talks about the Italian priest Luca Pacioli, who, in the 1400s-1500s codified the Venetian double-entry bookkeeping system that would change the world forever.

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2015-03-30 09:29:22 http://www.rabcpafirm.com/blog/history-of-forensic-accounting/
Business Damages: Detecting Employee Fraud http://www.rabcpafirm.com/blog/employee-fraud/ Employee fraud is responsible for billions of dollars of theft each year. In this video, New Jersey forensic accountant Robert A. Bonavito, CPA, discusses various fraud schemes, including embezzlement, cash and check schemes, accounts receivable fraud, inventory fraud, and fictitious disbursements.

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2015-03-09 09:02:07 http://www.rabcpafirm.com/blog/employee-fraud/
Important Tax Advice If You're Going Through a Divorce http://www.rabcpafirm.com/blog/divorce-tax-advice/ New Jersey divorce accountant Robert A. Bonavito, CPA, provides divorce tax advice. Divorce can be very expensive. In this video, we focus on various tax aspects of divorce, including how to protect tax deductions and tax planning that can easily save you over $30,000.

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2015-02-18 08:03:12 http://www.rabcpafirm.com/blog/divorce-tax-advice/
Divorce and Stock Options - ISOs and NQSOs http://www.rabcpafirm.com/blog/stock-options-in-a-divorce/ New Jersey Forensic Accountant Robert A. Bonavito, CPA, speaks on divorce and stock options. In this video, we focus mainly on the various types of incentive stock options (ISOs) and nonqualified stock options (NQSOs), with a discussion of two valuation methodologies for stock options, including the Callahan trust.

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2015-02-06 11:21:04 http://www.rabcpafirm.com/blog/stock-options-in-a-divorce/
New Jersey Divorce Accountant Speaks about CIS Statements http://www.rabcpafirm.com/blog/cis-case-information-statement/ New Jersey Divorce Accountant Robert A Bonavito, CPA, speaks on case information statements. This video focuses on the legal requirements for the case information statement (CIS) in a divorce. He goes through the various components of the CIS, including income and deductions listed on the form.

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2015-01-05 13:32:00 http://www.rabcpafirm.com/blog/cis-case-information-statement/
New Jersey Forensic Accounting Services: Calculation of Lost Profits http://www.rabcpafirm.com/blog/calculation-of-lost-profits/ Lost profit calculation is a big area where forensic accounting services are in great need, need it be a tort case, breach of contract, or contract dispute. In this video, New Jersey forensic accountant Robert A. Bonavito, CPA, discusses two main methods used for calculating lost profits: the before and after method and the yardstick method.

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2014-12-16 15:16:05 http://www.rabcpafirm.com/blog/calculation-of-lost-profits/
New Jersey Business Valuation Accountant: Performing Valuations http://www.rabcpafirm.com/blog/business-valuations/ In this video, New Jersey business valuation accountant Robert A. Bonavito, CPA, discusses the role of the business valuation analyst and the credentials and experience necessary to provide a credible value of a business. No two businesses are the same, and a firm understanding of accounting is very important. Bonavito also discusses the key aspects of performing a valuation.

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2014-12-03 13:11:16 http://www.rabcpafirm.com/blog/business-valuations/
New Jersey Auditing Services: Business Fraud http://www.rabcpafirm.com/blog/business-fraud/ New Jersey Forensic Accountant Robert A Bonavito CPA, speaks on investigations of business fraud. This video focuses on business fraud including overstating revenues, management estimates, inventory problems, and other fraudulent financial reporting issues.

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2014-11-03 13:14:01 http://www.rabcpafirm.com/blog/business-fraud/
Importance of New Jersey Lifestyle Analysis: Crews v. Crews http://www.rabcpafirm.com/blog/crews-v-crews/ New Jersey Forensic Accountant Robert A Bonavito, CPA, speaks on Alimony: Crews v. Crews. This video's focus is on marital standard of living and how it is essential to perform a proper New Jersey lifestyle analysis to substantiate changes in the original spousal support. The importance of proper documentation to substantiate or modify alimony in post divorce litigation.

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2014-10-13 14:35:05 http://www.rabcpafirm.com/blog/crews-v-crews/
Stock Options, Restricted Stock or Portfolio Grants http://www.rabcpafirm.com/blog/stock-options-restricted-stock-or-portfolio-grants/ New Jersey Divorce Litigation:

Many of our divorce client have stock options, restricted stock or portfolio grants. One solution we have been implementing to properly evaluate the value is the  Callahan Trust. These trusts have been very useful in assisting us with equitable distribution.

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2013-01-14 15:03:49 http://www.rabcpafirm.com/blog/stock-options-restricted-stock-or-portfolio-grants/
New Jersey Tax Services http://www.rabcpafirm.com/blog/new-jersey-tax-services/ As congress and the president debate  changes in the current law, one of the most  devastating will be a change to the dividend tax rate.

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2012-12-27 13:14:31 http://www.rabcpafirm.com/blog/new-jersey-tax-services/
New Jersey Litigation Services http://www.rabcpafirm.com/blog/new-jersey-litigation-services/ New Jersey Forensic Accountant,  Robert  A Bonavito CPA testified in the Essex County Superior Court on damages of over $75,000,000. 

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2012-12-05 16:09:39 http://www.rabcpafirm.com/blog/new-jersey-litigation-services/
New Jersey Divorce Accountant http://www.rabcpafirm.com/blog/new-jersey-divorce-accountant-robert-a-bonavito-invited-to-american-institutes-of-certified-public-accountants-headquarters-in-raleigh-durham-north-carolina-for-meeting-to-discuss-national-cff-standards/ New Jersey Divorce Accountant Robert A Bonavito invited to American Institutes of Certified Public Accountants headquarters In Raleigh Durham North Carolina for meeting to discuss National CFF standards.

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2012-11-19 15:19:12 http://www.rabcpafirm.com/blog/new-jersey-divorce-accountant-robert-a-bonavito-invited-to-american-institutes-of-certified-public-accountants-headquarters-in-raleigh-durham-north-carolina-for-meeting-to-discuss-national-cff-standards/
Robert A Bonavito gearing up http://www.rabcpafirm.com/blog/robert-a-bonavito-gearing-up/ New Jersey forensic accountant Robert A Bonavito gearing up for two trials at Essex County Superior Court In Newark.

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2012-10-18 08:01:45 http://www.rabcpafirm.com/blog/robert-a-bonavito-gearing-up/
AICPA Nomination http://www.rabcpafirm.com/blog/aicpa-nomination/ Bonavito accepts nomination by the American Institute of Certified Public Accountants for CFF Committee.

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2012-09-04 09:04:00 http://www.rabcpafirm.com/blog/aicpa-nomination/
Robert A Bonavito Publishes “Top Ten Divorce Tax Issues” http://www.rabcpafirm.com/blog/robert-a-bonavito-publishes-top-ten-divorce-tax-issues/ In dealing with matrimonial issues for twenty five years, I have seen these ten tax areas overlooked. Questions or comments on this article can be e-mailed to robert@rabcpafirm.com.

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2012-08-18 10:06:28 http://www.rabcpafirm.com/blog/robert-a-bonavito-publishes-top-ten-divorce-tax-issues/
Successful Testimony at Superior Court of New Jersey http://www.rabcpafirm.com/blog/successful-testimony-at-superior-court-of-new-jersey/ Robert A Bonavito, CPA successfully testifies as an expert at the  Superior Court of New Jersey , before The Honorable Judge Andrea Carter

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2012-07-26 15:02:37 http://www.rabcpafirm.com/blog/successful-testimony-at-superior-court-of-new-jersey/
Mr. Bonavito Becomes Chartered Global Management Accountant http://www.rabcpafirm.com/blog/mr-bonavito-becomes-chartered-global-management-accountant/ Robert A. Bonavito, CPA PC becomes a Chartered Global Management Accountant (CGMA)

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2012-06-25 15:03:33 http://www.rabcpafirm.com/blog/mr-bonavito-becomes-chartered-global-management-accountant/