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

The healthcare reform bill has passed in the US Senate. However both the US House of Representatives and the US Senate bills have yet to address important details affecting patient care. Oversight concerning the determination of medical necessity as well as provider network inclusion issues have greatly affected medical reimbursement and patient access to care. Many insurance companies reimburse medical expenses based upon a determination of medical necessity by the carriers claims department. In the absence of external oversight or regulation, the insurance carrier is free to deny care solely based upon their on private internal review.

Another key issue not addressed is how provider networks create financial barriers to care. Many insurance carriers reimburse medical expenses at lower rates or refuse reimbursements for out-of-network providers. Medical practitioners may also be excluded from insurance company networks for a variety of reasons. Practitioners may be required to limit medical procedures for patients and the number of office visits as a precondition for inclusion in the insurance network. Medical practitioners may also be required to accept lower rates of reimbursement for services provided to patients as another precondition to network inclusion. Some medical networks charge medical practitioners a fee for inclusion in networks.

The patients right to choose their own medical practitioner is not federally guaranteed by law. Additionally, there is no guarantee an insurance company will pay for medical services and patients often have no way to determine what will be paid until after a claim is submitted and a response is generated the insurance companys claims department. The federal government seeks to mandate health insurance coverage for all US citizens yet has not stipulated that insurance companies must reimburse patients for medical expenses nor is there language to address oversight of the determination of medical necessity.

The determination of reimbursements is often based on what is termed as usual and customary. Insurance companies have sole discretion over this aspect of reimbursement for general health insurance policies and may choose to exclude many procedures, office visits, and medical tests whether or not teams of doctors agree that such medical services are vital to the patients survival, recovery, or comfort.

The US House of Representatives and the US Senate have not addressed these details which represent core issues affecting healthcare outcomes for patients. Until these unresolved issues are rectified, it is unclear whether or not US citizens with health insurance coverage will have adequate access to medical care.

Mineral water is truly the essence of life increasing its demand rapidly as people becoming more health conscious and wants to take precautions from water borne diseases. There are much more benefits of healthy drinks and it takes significant effect of putting you on the right track of your health region.

Apart from the obvious function of supplying liquid to the body, there are many benefits that would show a significant effect of mineral waters on the health. Mineral waters would contain minerals that are in principle beneficial for the body; the ability of the body to absorb them from the water is not exactly fine. But if only part of these essential minerals can be absorbed, you will certainly benefit from them. Moreover, since natural water is free of any calories, it certainly is better than a sweetened, flavored soft drink.

As, people are more health conscious these days, they always try getting opportunities to prove their healthy lifestyle. Mineral water is a very essential element for healthy growth and diseases free living. Our society is mushrooming with several types of pollution and water-contaminated diseases. No body is escaped from the definite truth. So to take healthy drinks is always good for health that occurs naturally in groundwater, and the water is collected from a spring or boring well. Above all, the healthy mineral water also contains natural gases or is artificially carbonated with carbon dioxide. Some manufacturers set standards for a certain amount of minerals required for bottled water to be labeled “mineral water.” Many people like to drink mineral water not only for the sake of taste but for its health benefits.

The demand for healthy drinks is increasing at a rapid rate, as people become more health conscious and take precautions against water borne diseases. Bottled mineral water provides easy transportability and assured water quality. The mineral water shall be manufactured and packed under all hygienic means in properly washed and cleaned bottles in sterilized conditions.

Sometimes, our bodies have a hard time processing inorganic minerals and what we cannot take up may be stored in our tissues and organs and ultimately become toxic to the body. So always eat healthy and enjoy a variety of vegetables and grains with proper healthy drinks everyday which will provide you with the beneficial organic minerals to stay healthy, happy and fit in the very natural way.

The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

The Roni Deutch Tax Center is one of the nation’s hottest income tax franchise. Income tax preparation is a recession resistant industry. Learn more about this new tax franchise opportunity today.

Living life to fullest can seem so unattainable with lots of habits that are detrimental to one’s health. To live life longer and better, maintaining a healthy routine is unquestionably important. Never delay yourself in engaging with the following activities that will be tackled in this article. Take action now and discover the many benefits you can get with some healthy practices.

1. Feed yourself with the essential nutrients. To start a day, eating breakfast is vital to carry on with the activities for the day. Lots of vitamins and minerals are easily absorbed by our body through eating breakfast which therefore leads to a healthy body. Eating breakfast helps to prevent gaining too much weight. We usually overeat during lunch because we starve ourselves the whole morning, making the longing for food much stronger. But if we feed ourselves right with a healthy breakfast, we can prevent overeating during lunch time. Eat breakfast on time to have enough energy for the day and control weight.

2. Exercising is essential towards achieving a healthy body. The benefits of exercising regularly are just so many. Doing household chores and walking are examples of simple exercises that can be done to keep a body healthy. Instead of taking an elevator in the morning, walking will help to get yourself moving. Being able to move your body promotes healthy bones and joints and helps you stay away from many illnesses. You can also lose or maintain weight by getting your body active.

3. Another healthy practice that needs to be done is to go out and socialize with other people. Building a connection and relationships with a group of people helps you grow more as a person and learn new things. We cannot live by ourselves only, and interacting with other people is important to one’s well being. Go to church on Sundays or join in with charity work. Joining in with group activities will enhance your social life.

Make a habit to involve yourself with these activities. You may need some will power and determination to commit yourself in practicing these healthy ways and eliminate some unhealthy practices that you are used to. Soon you will benefit from the many advantages of maintaining a healthy routine.

Is there anything more annoying than that person standing ni front of you in a grocery store or checkout line babbling away on a cell phone while a kind salesperson is trying to help them? The cell phone person nods and points directions at the clerk while enjoying a riveting conversation over nothing. There is nothing more annoying and we won’t even discuss people who miss green lights because of their nonsensical cell phone ramblings.

Turn off the cell phone and turn off the laptop and any other portable device you may be carrying with you. There is a certain amount of excitement and adventure in being inaccessible. It can be a little bit scary at first, not being on the grid, not being in constant communication with everyone on the outside world, but it is necessary to do once in a while to regain your sanity.

People have become so reliant on today’s new technology that personal communication has dwindled to nothing. How many times are you on vacation and someone has to dart back to the hotel room to check on the laptop to make sure no important messages were received on the e-mail? There’s a reason to take vacation, but now the new term is “working vacation.”

If you can just stay away from the cell phone for a few minutes, take a walk around the mall and you will see how many mindless drones are babbling away on their cell phones or texting their friends who are likely in the same mall at the same time. It gets to look ridiculous. If you invite friends with kids over to your house, place a ban on use of your computer or they will just sit there avoiding family time to message their friends.

Everybody needs some time to themselves and nothing short of an emergency is worth so much that it can’t wait a few hours. If you check your Facebook pages, chances are that 99 percent of the messages are just gibberish being written by people with nothing better to do. Take some time away from technology and enjoy life.

Science is a progressive act. This means that progress in science is a tedious process that requires diligent efforts with respect to record keeping because in the case of every scientist, figuring out everything about a field of study, such as any given sub-niche of chemistry, is impossible, even in a lifetime. Record keeping is of utmost importance and accurate record keeping can and will make the difference between work that is successfully continued by a scientist’s successors and work that is not successfully continued.

In the field of science, all of us stand on the shoulders of giants. In other words, we all learn from our predecessors and build on what they have taught us. However, we are able to learn only from those who have successfully transcribed their knowledge in an accurate and concise fashion so as to facilitate the propagation of the knowledge to those who follow.

Accurate lab notes are a must. Accurate lab notes will have a variety of properties including but not limited to:

An accurate introductory description of the process or processes being studied. For the information following the introduction to be understood in it’s proper context, an accurate introductory description has to be described clearly. Why is this subject of interest? What is the current understanding of the subject and why does it need to be studied further? What questions need to be answered before true progress can be made? All of these question should be covered in the introduction.

Clear and concise methodology. The work that is performed or is to be performed must be clearly spelled out for those reading the notes to understand the important steps to be taken to repeat and confirm the results. Each step must be labeled in detail and must be done so in a way that can be repeated using the notes alone. This is important if results are to be duplicated.

Well documented and understandable results. The results that are discovered by the initial experimenter should also be spelled out in clear detail as they may differ from the results obtained by those following them and trying to repeat their work. If results differ, this should be clearly noted by the scientists attempting to repeat the work and differences in results should also be clearly noted.

Objective conclusions. Conclusions should be recorded and based on evidence and results obtained. If data or results have discrepancies, these should be noted and discussed in the conclusion.

Today’s business environment is in great competition. Workforce are getting busier with the responsibilities at home and other official duties to attend with. Time is very important. We cannot extend or add more hours in a day, but we can make hours we have work for us. We all want to have an edge over others, right? There are ways we can achieve that goal. If you are working full-time or raising a family, your best option is to consider taking an online education. This system of education became appealing to a lot of people because of its convenience and flexibility. Students can learn here at there own pace because everything takes place at your time schedule. Students from all ages can earn a college degree or just taking a few courses easier.

In online education and training programs, students have all the freedom and in charge of their education. You are the one choosing your most convenient time to view lectures, attend the lab, or take exams. If you only have the time to attend class at night when all of your responsibilities are done, your instructor or professor will be there waiting for you online. Even if your vacant time is five in the morning, before you go to work, you can still complete it. You do not need to go to a university or college campus to attend classes. Everything you need in a course degree is available in the Internet. You have the chance of downloading a part of course content for advance study or if you do not understand well the lecture. It simply means that, you are saving much of your money since you are not required to buy textbooks anymore. You are also not spending money on traveling. And that’s a big savings!

Commitment is important in earning an online education. Adding a college degree to your resume makes you stand out among others. It will also increase your earning potential by getting a better job or job promotions. Because of the many universities and colleges that offers online education programs, you can now pursue the degree course you want. The busy schedule that you have now is not a hindrance for you to take higher education. With the help of well-established and accredited online schools, you can now push your career forward. Stay updated with the latest trends as you look up to a brighter future through your online education.

Healthcare credentials matter for many professions. Sometimes it’s a matter of the school providing the right certification and membership training and sometimes a graduate must pass a professional exam. In some cases there is regular re-testing and mandatory skill upgrades.

When you think about the immense responsibility that a healthcare professional has, this makes a great deal of sense. Firstly, healthcare workers are in a position of trust. People are predisposed to believe people who work in medicine and health and see them as authority figures. Healthcare workers deal with people in a state of vulnerability, either those who don’t have all their facilities or who are immobilized or in pain, or simply in the intimacy of a patient’s home in the case of a nurse or a personal support worker. For these reasons, training from nursing through to pharmaceutical courses will also include an ethics component.

Teaching ethics isn’t just about the simple concepts of right from wrong. It’s also hard questions, for example when to notify patients about a diagnosis, who is privy to confidential patient information and what to do where the patient may have been involved in criminal activity or is a victim of abuse. Sometimes ethical questions may involve choices like whether or not to administer a treatment that could extend a patient’s life but increase suffering. This is one of the reasons why the CRNE exam is constructed using input from working nurses and will have realistic case studies as examples.

Professional accreditation also makes sure that the healthcare worker has skills that are up to date. New medical research is occurring constantly. Treatments that were used in the past may be deemed ineffective or even actively harmful, while dosages and administration methods are being carefully refined. Pharmaceutical courses are expected to be current and be structured to train students the most modern practices. Courses taught several decades ago could hardly be expected to predict the plethora of drugs that are available today. In the past, antibiotics were constantly over prescribed, but modern know-how teaches us that this can be actively harmful to collective health or even the safety of the patient.

Another trend that encourages accreditation is increasing regulation and the legal due diligence to prevent litigation. Much like a restaurant will make sure it has qualified staff with a food safety certificate, medical facilities will hire staff that can prove they have a solid background. Professional organizations help compliance with regulations and care standards. For example, there is little oversight on who may call themselves a nurse, but a registered nurse, the kind that can work semi-autonomously in providing healthcare, must pass a national CRNE exam.

Visit Academy of Applied Pharmaceutical Sciences (AAPS) Inc. for more information on credentials like a food safety certificate.

A dialer is a type of phone software that helps a sales representative only dial a large volume of potential customers. Because the phone dialer automatically calls through a predetermined list of contacts, the sales representative is able to stay in the longest line and close more sales.

These markers are also known as auto dialers or outbound dialers. These auto dialers allow sales representatives to reach thousands of potential customers per day. There are several types of dialers with the major types of relationship are dialers, predictive dialers and power markers.

Reasons and predictive markers both work to keep sales reps on the phone every time it is recorded in a counter initiative. Dialers relationship many simultaneous calls placed by each sales representative available. When replying to one of these calls the other was dropped and the sales rep is transferred to that call.

Predictive Dialers usually ask fewer people at a time, but begins to mark wires before sales representatives are available. This ensures that the initiative will be waiting for each sales representative available, but when it takes sales calls to respond before sales representatives are available are expected to take to wait in line until a sales representative heading into – seldom do.

Dropped calls are a standard part of the inside sales when using a predictive dialer or ratio. Power Markers offer a solution to the problem of dropped call.

A marker of energy compared with other markers, focuses on the quality of interactions between the sales representative and their contact. This is achieved by making the marker to make a call to one wire at a time for each sales representative. The sales rep hears the phone rings and can respond immediately when the call is answered. There is no “preferred dropout rate” with a score of power.

Power Marker is an improvement over manual dialing technology, increasing the number of calls made in a day by about 3 times. Power Dialers are perfect for B2B communications where there is impressed by a sales representative before connecting it to your boss secretaries and each individual sale is higher. In B2C sales, supply marker stop wasting hundreds of leads a day due to the placement of too many calls.

All these auto dialers can increase sales representative’s call for relationship days, but only one marker supply ensures that each call becomes an opportunity to make money.

For more information about how Cloud based Auto Dialer, Voice Broadcasting, Call Center Software, Cloud based Auto Dialer and Hosted IVR may work for your small business, visit the LeadsRain.com.