High-yield savings accounts (HYSA), bank bonuses, credit card perks, and credit score hacks.
[Research Brief] Banking & Credit Every autumn between October 15th and December 7th, American television screens and mailboxes are overwhelmed by a blitz of glossy healthcare advertisements. Famous celebrities and sports figures smile warmly, urging seniors to enroll in ‘all-in-one’ Medicare Advantage plans. The marketing promises sound irresistible: zero-dollar monthly premiums, free dental checkups, vision … Read more
Komon Lab | Home Equity Architecture & Subordinate Mortgages HELOC vs. Home Equity Loan: How to Tap $100,000+ in Home Equity Without Resetting Your Low Fixed Mortgage Over 80% of outstanding residential mortgages in the United States currently carry fixed interest rates below 5.0%, with tens of millions locked into generational pandemic-era lows between 2.75% … Read more
Komon Lab | Housing Finance & Real Estate Acquisition In competitive residential real estate markets, distressed properties and outdated “fixer-uppers” frequently sell at a 20% to 35% discount compared to turn-key homes. However, conventional lenders routinely refuse to finance properties that fail Minimum Property Standards (such as homes with damaged roofs, missing plumbing, outdated electrical … Read more
Komon Lab | Credit Restoration & Consumer Protection Derogatory collection accounts and medical billing errors represent the leading cause of sudden, severe credit score drops in the United States, frequently reducing FICO scores by 50 to 110 points and causing outright denials on conventional mortgages, auto loans, and rental leases. Under federal statute—specifically the Fair … Read more
Komon Lab | Commercial Tax Strategy & Business Deductions Section 179 lets a business deduct part or all of the cost of qualifying equipment in the year it is placed in service instead of depreciating it over several years. Vehicles are covered by extra rules, and they are one of the most heavily audited areas. … Read more
Komon Lab | Social Security & Federal Disability Law Each year, more than two million Americans file claims for Social Security Disability Insurance (SSDI) under Title II of the Social Security Act. Yet the Social Security Administration (SSA) denies roughly 62% to 65% of initial claims, often due to preventable evidentiary omissions, misunderstanding of the … Read more
Komon Lab | Housing Finance & Military Benefits For the more than 18 million eligible U.S. military veterans, active-duty service members, and qualifying surviving spouses, the VA home loan program remains one of the single most powerful wealth-building tools in federal statute. Codified under 38 U.S.C. Chapter 37 and administered by the Department of Veterans … Read more
Komon Lab | IRS Debt Recovery & Credit Protection The IRS Fresh Start Initiative, expanded in 2012 and updated through subsequent IRS policy changes, is a collection of programs designed to make it easier for taxpayers to pay back taxes and avoid aggressive collection actions like wage garnishments, bank levies, and federal tax liens. If … Read more
Komon Lab | IRS Tax Debt Resolution If you owe the IRS more than you can realistically pay, the Offer in Compromise (OIC) program lets you settle your federal tax debt for significantly less than the full balance owed. The IRS accepts only a portion of the offers it receives, so a complete, well-documented application … Read more
Komon Lab | Federal Student Loans Federal student loan repayment rules changed in 2025 and 2026. The SAVE plan has ended, a new Repayment Assistance Plan (RAP) became available on July 1, 2026, and borrowers with older loans have until July 1, 2028 to choose among the remaining plans. The best option depends on your … Read more