December Newsletter

Charles Takes on the Nürburgring and Spa

Charles recently embarked on an exhilarating three-day driving experience at two of Europe’s most iconic racetracks. The adventure began with two intense days at the Nürburgring, also known as the "Ring" or "Green Hell." This 13-mile, 150-corner circuit—80 of them blind—is widely regarded as the most challenging and dangerous track in the world, with elevation changes ranging from 1,000 to 2,000 feet. The third day was spent at the famed Spa-Francorchamps, a favorite of many Formula 1 drivers.

The weather added to the challenge, as all three track days were held in the rain. Fortunately, both tracks required drivers to keep windows up—unlike in the U.S., where windows must remain down—allowing Charles to fully focus on his driving. Through these wet conditions, he found that driving at speed could be both safe and fun with the right approach.

At the Nürburgring, Charles completed 28 laps, covering 362 miles in total. His top speed on the Ring was 149 MPH, with a best lap time of 11:08, placing him in the intermediate skill range for wet conditions. The following day at Spa, he completed 43 laps on the 4.4-mile track, totaling 185 miles, with a top speed of 127 MPH and a best lap of 3:30—again within the intermediate range in the rain.

Outside of track time, Charles took the opportunity to explore the region, driving through Germany, France, Switzerland, and Belgium. Along the way, he enjoyed the stunning scenery, encountered a few unexpected detours, and visited four historic castles, adding to an unforgettable experience both on and off the track.

Watch a slideshow of pictures from his trip.

Burg Eltz Castle

Wierschem, Germany

Nurburg Castle

Nurburg, Germany

A Magical Trip to Orlando: Epcot Adventures and Team Bonding

In late October, our firm embarked on a memorable trip to Orlando, where we set out to experience the magic of world-class service firsthand at Epcot. The adventure began with our St. Louis crew flying to Orlando on Wednesday. Upon arrival, they checked into their hotel and spent the evening exploring the vibrant atmosphere of Disney Springs. Meanwhile, Kristine made her way over from Tampa, joining the group later that afternoon.

The day became even more memorable as we celebrated Leslie’s birthday in style, indulging in delicious ice cream to mark the occasion. It was a sweet ending to the first day of our trip.

Thursday started bright and early as our team hopped on the first shuttle to Epcot. To our delight, the park was unusually quiet, offering us the luxury of shorter-than-usual lines and wait times for rides and experiences. This gave us plenty of opportunities to soak in all the magic Epcot had to offer.

Throughout the day, we immersed ourselves in the park’s unique attractions, capturing countless photos along the way, including some cherished moments with our favorite cast members. There was no shortage of laughter as we shared funny expressions from ride photos and reveled in the magical moments Epcot is known for.

On Friday, Kristine graciously dropped off the St. Louis crew at the airport before heading back to Tampa. While the trip was short, it was filled with incredible experiences that left us inspired. Not only did we gain insights into what makes Epcot synonymous with world-class service, but we also strengthened our team bond and created memories that will last a lifetime.

This trip was a perfect blend of fun, learning, and camaraderie—a reminder of the magic that happens when people come together to share unforgettable moments. We’re already looking forward to our next adventure!

What is your go-to for holiday gifting?

Charles and Christi both agree that Amazon gift cards are their go-to holiday gift.

Leslie wants to make sure you treat yourself, so her go-to gift is a Starbucks gift card.

Kristine loves to grab a holiday card (with no glitter) and fill it with cash folded into fun shapes.

Jess says, "Cash. It fits all shapes & sizes and is never returned!"

Client Spotlight: Picture This and More

Your story deserves a frame as unique as the memories it holds!

Established in 1992 by Ken and Glenda Link, Picture This & More began as a home-based custom framing business in Alton, Illinois. By 1994, the company expanded into a brick-and-mortar location, eventually settling at its current address on Delmar Avenue in 1999. In August 2015, after a year of mentorship under the original owners, Quint Long acquired the business, bringing his expertise in construction and design to the forefront.

As a family-owned enterprise with nearly three decades of service, Picture This & More offers a range custom framing solutions, including shadow boxes, needlework framing, and heritage framing. The company is dedicated to preserving cherished memories and supporting the local art community by showcasing works from regional artists and collaborating with institutions like Lewis & Clark Community College.

Senior Framing Expert Kella Marchal, who joined the team in 1999, specializes in textiles and heritage shadowboxes. With over 30 years of experience, she has witnessed significant advancements conservation framing, ensuring that clients' artwork is preserved for a lifetime.

Visit their website at www.picturethisandmore.com to explore custom framing options, support local artists, and find the perfect way to preserve your cherished moment.

Follow them on Facebook for updates, inspiration, and special offers: Picture This & More for over 30 years.

Deadline Approaching for Beneficial Owner Reporting

Small businesses like LLCs, limited partnerships, and corporations with less than 20 employees must report by January 13, 2025.

Guide to Setting Up a Qualified Small Employer Heathcare Reimbursement Arrangement (QSEHRA) Plan

A QSEHRA allows small businesses to reimburse employees for medical expenses, including health insurance premiums, on a tax-free basis. Here's how to establish one.

New Pay Transparency Laws: Are You Ready?

If your business has fewer than 100 employees, upcoming pay transparency laws could still have a significant impact. Starting in 2025, states like Illinois and Minnesota will require businesses to include salary ranges and benefit details in job postings. While these rules aim to promote fairness and equity, many small businesses may find compliance challenging without preparation.

Year-End Guide to Tax Savings

Holiday Gift That Offer Tax Benefits for You and Your Loved Ones

The holiday season is a time of giving, and strategic tax planning can make your generosity even more impactful. This article explores holiday gifts with tax advantages, such as educational gifts, employee gifts, spousal gifts, and retirement contributions.

Essential Year-End Tax Moves You Can't Afford to Miss

As the year draws to a close, it's crucial to take stock of your financial situation and make strategic moves to minimize your tax liability. With a little planning and foresight, you can take advantage of various tax-saving opportunities. Here are some last-minute strategies to consider before the year ends.

Don't Leave Money on the Table: Tax Credits You Might Be Missing

Understanding tax credits can significantly reduce your tax liability or even result in a refund. In this article, we break down the differences between refundable and non-refundable credits, explain credit carryovers, and highlight common individual tax credits to help you maximize your tax benefits.

Top Year End Tax Strategies to Boost Your Business Bottom Line

As the year draws to a close, small business owners have a unique opportunity to implement strategies that can significantly reduce their tax liability for the upcoming year. By taking proactive steps in the final months, businesses can not only minimize their tax burden but also streamline their financial operations.

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Disclaimer: Tzinberg & Associates provides this communication for general guidance only. It does not constitute tax advice, accounting services, investment advice, or professional consulting. Consult a professional adviser before making decisions or acting, as the information is provided "as is" without any warranties regarding its completeness, accuracy, or timeliness.