Experts say that employee benefits can account for up to 40 percent of total compensation, so it's wise to fully investigate the real value of the benefit package when you're comparing job offers.As these members of the Armchair Millionaire community attest, Americans love their benefits--and don't take them for granted:"I am so lucky in that my employer pays 100 percent of my health insurance premiums (for my whole family) and dental insurance. I also get free life insurance equal to two times my salary. We also get tons of personal and sick leave.
I am getting about $250 extra in my paycheck each month - great benefits!" --Riley31101"I view my benefits as extra pay. I know many who are not as fortunate to receive any benefits at all. No matter ...
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CCP's tax advantaged 401(k) enhancement - which is structured on the basis of recent IRS Private Letter Rulings - allows participants in 401(k) and profit sharing programs to purchase disability insurance in an amount equal to their program contributions. The premium can be paid from their pre-tax contributions without imputed income and, when they become disabled, the disability benefit is payable directly into their 401(k) and profit sharing accounts without any current tax liability.
Then, if they become disabled, $40,000 a year will be payable directly into their 401(k) programs and their assets will continue to grow just as if they were working." She added, "As a result of this new 401(k) plan feature, sole proprietors can eliminate one of the largest threats to their financial security the ...
Provide Support LLC, an online chat-hosting service, announces an anniversary promotional price reduction of its paid subscriptions plans. In celebration of the company's two-year anniversary, Provide Support has slashed the price for all new subscriptions by 33 percent for the month of April. The usual subscription is $15 per operator per month. For new, one-operator signups, the subscription price will be $10 per month. This discount will last for the first three months of service. Discounts of up to 60 percent are offered for the larger subscription packages.
Skugarev, CEO of Provide Support, says that the promotional drop in subscription price is possible because of technical improvements made to the system in the last few months."The system is much lower maintenance for us now than it used to be, and ...
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Effect of BenefitsWe have previously examined realistic billable hours and the effect of business expenses on your hourly rate. Now we'll look at the effect of benefits.Once upon at time, when we were employed, we received a benefits package from our employer. This usually included health, life and disability insurance. Many firms also had available pension programs, profit sharing, dental and vision coverage. In addition, one-half of your social security was paid by your employer.As self-employed individuals, we have to provide these benefits for ourselves.
For the sake of argument, let's figure a standard benefits package consisting of health, life, disability, pension and profit sharing. Let's figure health insurance costs at $300 per month; life at $50 per month; disability at $150 per month; pension (a SEP-IRA) at $500 per ...
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Well, is it! Do you back up your files on a regular basis? Do you have a back up plan in place? What's important to your business and what isn't? What happens if you get hurt, who will run your business? Do you have customers come to your business? What if they get hurt, are you covered? What about all the equipment you have, is it covered?These are all questions a home based business owner, (in fact, any business owner) should have answers to and plans in place for.You must have a system in place to back up your files.
If you really want to be efficient and make it easy on yourself, get a Maxtor hard drive with the one button back up feature. For less than $200, ...
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With a population estimated at over a billion people, India represents an enormous insurance market and educational opportunity for our institution," said Larry Barton, PhD., President and Chief Executive Officer of The American College. "We look forward to working together with the IAIFM in India and helping to bring financial education to professionals worldwide."As The American College's local affiliate in India, IAIFM is licensed to adapt and conduct the same programs that The American College makes available to financial services and insurance professionals both in the U.
Professional Excellence:Commenting on the affiliation between The American College and IAIFM, Rakesh Bhan, IAIFM's Managing Director, noted that the, "mission of IAIFM is to provide the highest quality training for India's life insurance industry in response to the country's critical professional development needs. ...
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Austin, TX October 8, 2004 PlanetChase, LLC announces the launch of its newest service, PlanetChase OnCall. Developed for small businesses, entrepreneurs, start-ups and company subsidiaries, this service is aimed at those companies that don't have the needs or resources to hire a full-time meeting planner. For a flat monthly fee, based on need, clients have access to a network of planners for the duration of their contract. It's like having an entire meeting planning department on staff without the expense.
CostsAs the economies of the world continue to grow and improve, the cost of a good, well-trained planner is expected to increase. Overhead costs can add up to 35 50% to your operating expenses. In addition to the salary there are other employee-related expenses to take into consideration, ...
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Our web visitors can type in their personal information in just one time and do multiple quote requests for any combination of personal and business insurance that we offer." Our site offers the efficiencies of technology. "No more repeating yourself multiple times over the phone" say Bruce Johnson. Upon entering in quoting information, we route it to specific agents who believe they in fact have the better buy for our web visitors. Agents compete for consumers business and pay for the opportunity to quote their insurance.
ARA) - If you've delayed planning for retirement because it makes you feel a) old or b) financially inept, think again. With a little foresight, you could be out there enjoying life like other people -- maybe even before you reach the so-called "retirement age." Like many people in the prime of life, it's not unusual to think of retirement as such a distant idea that you avoid saving for it until next week, next year, next job. After all, who's got time to think about the "R" word? In reality, it's never too late, or too early, to start planning for retirement.
More and more, however, retirement has come to mean what a person is can do. Choosing a second career. Traveling to see the world. Volunteering in the ...
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Copyright 2004. All rights reserved.-- SHAMELESS SANTA SLIDERS --Every year the Ho-Ho-Ho-ing chap in the red tunic with the white whiskers gets inundated with some pretty balmy questions.So this year, I asked him if he wouldn't mind responding to twenty-five odd, obscure, and some might even say downright obtuse queries. Needless to say, he was delighted to have a chortling chinwag with me by satellite phone from his nippy ice-fishing hut at the North Pole.
So, what's this got to do with the price of tea in China? Well, allowance should probably be made for those with vagrant airs not to mention a healthy tongue-in-cheek attitude to Life, an uncertain Universe, and Everything absurd in between.
ARNING: For readers unable to make adjustments that are dietary, linguistic, psychological and cultural in ...
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