Retirement Planning for Small Business 3 options

Retirement Planning for Small Business 3 options

Wondering if your business is too small for a group retirement plan?

One of the keys to attracting and retaining top employees is to offer a high-quality retirement plan. A group savings plan conveniently helps employees save money for the future while reducing and deferring taxes today. Plus, the investment you make in a group retirement plan is an investment you make in your organization, your employees and your reputation. Everyone’s a winner.

Three options stand-out depending on what you want to accomplish with your plan and how much flexibility you need. These are: 401(k) plans, SEP IRAs and SIMPLE IRAs.

The 401(k) Offers the Most Flexibility and High Contribution Limits The traditional 401(k) is probably the most widely known retirement product on the market. It’s the fully loaded, high performance SUV of retirement plans. It’s generally defined as one that enables a business owner and employees to make consistent, tax-deferred contributions during the length of their careers.

SEP IRAs are Pretty Easy to Start and 100% Funded by the Employer Simplified Employee Pensions, more commonly referred to as SEPs, are also a popular retirement plan choice as they offer a contribution limit that’s similar to a 401(k). It doesn’t have all the bells and whistles of a 401(k) plan, but it’s got a good engine under the hood. One of the most important things to understand about SEPs is that 100 percent of the contributions made are by the employer (no employee contributions allowed) and these dollars are immediately vested for the employee.

The SIMPLE IRA is a Solid, Affordable Third Option

The SIMPLE IRA’s name is a bit misleading (it actually stands for Savings Incentive Match Plan for Employees). While both employer and employee can contribute to the plan, the employer must match and matching is vested immediately.

If you do decide that you want to offer a retirement plan, you are definitely going to need some professional advice and guidance. Pension rules are complex, and the tax aspects of retirement plans can also be confusing.

As a financial planning and wealth management professional firm, Mintco Financial has been helping its clients effectively plan for comfortable retirements.

Michael Minter, as a managing partner of Mintco Financial, is a trusted investment management professional who carries more than 16 years of experience in this challenging career field.

Throughout his professional history, Michael Minter has gained strong insight into what skills and knowledge is necessary to perform investment management, wealth building services, small business development and retirement plans.

Michael MInter is also author of the book I-Plan, a guide for your financial security.

Call Michael Minter at 813-964-7100 at Mintco Financial.

Retirement Planning for Small Business

Things to Consider When Choosing A Heavy Hauling Company

Things to Consider When Choosing A Heavy Hauling Company

It does not matter whether you are using the sea or the road for transporting your equipments. What matters is the size of the equipment and the conveyance. Everybody wants to have safety when they are moving their equipments from one place to another. This is when you need to think about a heavy hauling company that specializes in transporting equipments. Hence, you must find the right organization that will be able to serve all your purposes. To ensure this you are required to find an organization that holds goodwill in the concerned field and also among its customers. By selecting the right company, you will be able to get rid of all your transportation problems and the entire process will be executed without any difficulties.

It is important to find the ideal company as you require ensuring that it offers you the much needed support that you are going to need to deliver all the equipments securely and safely. When you are availing these kinds of services you are required to ensure that the company you select should have legal authority to drive across borders. The heavy hauling company needs to be insured and licensed. You can ask for references from your family and friends who have used this service earlier. Once, you have selected a company you should get to know about its services and pricing so that it is easier for you to work with them.

Browse through the Internet thoroughly when you are looking for a Heavy Equipment Transport. The Internet is flooded with different company websites. To find one all you need to do is type in the right keywords so that you can get the relevant site details. Choose 3 best companies from the field and then make a comparison of the prices and services. This will help you to get the best deal for your business requirements.

Heavy hauling is full of difficulties and challenges and you must select a company that is able to overcome all obstacles to make successful delivery. Check whether the dispatchers offer reliable services. Make sure that you have the required route surveys done before your shipment process begins. You also need to make sure that the company has the required specialized permits so that it can ensure safe delivery of your cargo to its destination. When making your selection you need to ensure that the company offers you affordable quotes for your heavy hauling needs.

Once, you have made a selection ensure that you meet them before you make the final booking. It is essential to know regarding the company representative and experience so that you are convinced of their expertise. Choose to schedule a meeting that will help you to know more about the company. You also need to ensure that you book your company well in advance so that you can do the transportation on the right time and date without any kind of delays.

Christening Present From Jcpenney Factory Outlet Store

Christening Present From Jcpenney Factory Outlet Store

You need to look for a store that can provide you full array of choices when it comes to baby items. You can find options of baby products that you can select for a gift. This is the greatest department store all over the United States that is why many clients prefer to shop in Jcpenney store whenever they need to purchase presents. You will find infant dresses for boys and girls.

JCPenney is one of the famous shops all over the United States. This store doesn’t simply sell authentic and good products but also they give discounts to their respected customers. In order for you to save time while having shopping fling at JCPenney store, plan well what are the things that you wish to buy and familiarize all the store location inside the JCPenney shop. These are the return, refund and exchange policies, warranties of the products, shipping and delivery policies (applicable for furniture only), and schedule of arrivals of items, special promo dates and sales and of course discount coupons. These are the things you must know before having a shopping spree at JCPenney store.

There are lots of items that you can purchase for good rebate. This will give you the opportunity to buy different baby products that you can give as christening gift. These items do not have painful chemical substances that can damage baby’s sensitive skin. Baby toys are all safe and made of hypoallergenic materials. Jcpenney is very strict when it comes to infant items, because they are concern for the safety of infants that will use these products. If you are going to buy toys for infants as present, you need to make sure that you are purchasing these items from a true store like Jcpenney factory outlet store. Jcpenney is a friendly store for babies. You can be rest assured that all items are healthy and will not harm wellness of new born babies.

Model Trains Stores Should Be Your First Stop

Model Trains Stores Should Be Your First Stop

Model trains stores can be expensive, but then you do get what you pay for. If you are a beginner then model trains stores should be your first stop.

Not a hobby shop, but a model trains stores because there is a big difference.

Hobby shops are usually staffed by people that are not experienced model railroaders, while model trains stores are usually owned by very well experienced model railroaders.

Creating your own model train world is the most enjoyable past time in my opinion. There is no other hobby where you can learn a complete new range of skills in one place.

Building a model train layout exposes you to planning, design, woodwork, metalwork, wiring, electronics, kitbashing, scratchbuilding and so much more. But, you don’t need to know it all when you start.

The model trains stores in your vicinity are waiting and willing to advise you on the best way to go about building your dream model railroad.

So, why is model trains known as an expensive hobby?

The expense is based on the decisions you make. These are the 3 model train mistakes you should try to avoid:

1 Not Knowing What You Want

Most model train beginners start with a model train set that comes complete with an oval track, locomotive, some cars and a controller. Often this is because it is cheaper to buy the set rather than individual components, but you get what you pay for.

When you try and add more track to expand the small oval or figure eight, the problems start.

The power pack in the train set may have only been designed to power the figure eight or oval length of track. When you add extra track, the power pack is now not powerful enough. This can result in a voltage drop on parts of the track. This usually means intermittent starting and stopping of your train. This can be very frustrating.

2 Building a Model Train layout That Is Too Big

Often the impressive model train layouts at the shows encourage beginners to go home and convert their entire basement into a huge model railroad.

Some of the model railroad experts at those shows have spent 20 or more years on their layouts and a beginner trying to achieve that level of model railroading from the beginning will be disappointed.

Often the smallest of layouts can be more fun because they get to a level of enjoyable operation quicker. The experience adds up over the years and a small layout is always easy to expand.

3 Paying Full Retail Price

Pay full retail price for every part of your model railroad and it is going to be an expensive hobby.

Your local model railway club will have members with locomotives, cars, buildings, etc. in good condition that they will sell at a fraction of the new price. Model railroaders are generous people and willing to help beginners.

Optimize Your Store With New Windows Program – Prestashop Store Manager

Optimize Your Store With New Windows Program – Prestashop Store Manager

With several shopping carts available in the Internet today or future, current webstore owners can find the one which performs needed jobs in the most convenient way and offers the facilities to suit most of the requirements. New shopping carts appear often but just some of them break in the market and gain customers popularity. PrestaShop professional e-Commerce shopping cart is one of such carts. Those whove been already using PrestaShop application witness that its scalability, modular structure and comfortable installation make it a desirable investment as for beginner person as well as for an experienced one.

But how PrestaShop differs from other cost-free open source shopping carts? Among the Preastashop advantages users mention:

– shopping cart is convenient and intuitive in usage, its fast, so you can make necessary updates more quickly and offer your customers organized and attractive store

– it is SEO optimized. PrestaShop supports search engine pleasant URLs and permalinks. It helps to state meta tags for each product separately and optimize pics.

– PrestaShop is build on modules and well structured. It permits to extend its functionality easily to perform particular tasks.

Store Manager for PrestaShop is a kind of application that enhances entire PrestaShop store management jobs but not single operations. It simplifies and speeds up inventory management, particularly: organizes products, orders, customers, prestaShop manufacturers, and other data.

Store Manager for PrestaShop brings:

1.Productive product management and category management using drag&drop feature to build convenient category tree, quick product search and filters, mass operations with PrestaShop products

2.Effective Export / Import of products, PrestaShop categories, customers, orders – step by step Wizard that simplifies export to CSV and import from any CSV formats; advanced import services

3.Complete store management – products, categories, product attributes, manufacturers, customers, orders, reports, etc

4.Fast access to customers, orders, with discounts, coupons, reports and other store data

5.Ready for Quickbooks, ICEcat and USPS integration.

These are very important things to consider about efficient store management. Besides, theres a whole lot of simple operations that can be done faster such as: add, edit, copy, clone, delete PrestaShop attributes, products etc. These operations are available as tabs on a toolbar and in the context menu. Only right simply click to speed up work with stores data.

Accuracy of stores information is quite an issue. You would absolutely need to avoid duplicate data entry, loss of data and other potential mistakes. In Store Manager you can create one of the two kinds of connection – bridge to make changes locally and post them to a store later and direct connection for instant modifications. Database backup option is generally at your hand there to prevent mess with database records.

Using software like Store Manager for PrestaShop you will get rid of routine work and have more spare time to invest on competitive analysis, promoting and other strategic duties.