• 20Mar

    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

  • 18Mar

    If you are interested in Thai company registration and wish to own more than 50% of the shares, it is necessary to invest in a Foreign Business License. The foreign business license is not popular with foreign investors. According to the Thai authorities, approximately 80% of foreign companies that apply for this license receive it. However, it should be noted that since the introduction of the Foreign Business Act, few companies have bothered to take on an application. Why? Because it is known to be an extremely long and arduous process. However, if you find the ideal legal team, you can speed up your Thai company registration process AND possibly gain a foreign business license.

    How Do You Obtain The License? Gaining the license could make the Thai company registration process easier but getting it is no easy task unless you hire the services of a top notch legal team. For starters, you need to convince Thai authorities that your proposed business couldnt be carried out competently by a company that is owned by a Thai majority, that the business does not pose a threat to national security or stability and that it is beneficial to the Thai economy.

    If you think carefully, the difficulties of proving all of the above are glaringly obvious. The most blatant culprit is the first issue: How can you prove that a bar or restaurant business cant be competently managed by a majority Thai owned company? Simple answer, you cant!

    The Process Unlike the Thai company registration process, obtaining the license seems simple in theory. All you have to do is send your application to the Ministry of Commerce before you start up your business. The Foreign Business Committee reviews the application and must make a decision within 60 days. However, the application itself is very complex and could take months to figure out. Assuming you file under your foreign companys name, you need to have corporate documents certified by the local foreign minister, the Thai embassy and a public notary. In most cases, you are better off beginning the Thai company registration process as a Thai company and allow that company to fill in the application.

    Rejection Or Acceptance If you application is rejected, the Foreign Business Committee will inform you in writing within 15 days of their decision. This letter will explain the reason(s) for your rejection. You can appeal within 30 days of receiving the written notice. If your application is accepted, it will be subject to certain conditions including the minimum capital requirement and number of foreign directors who can reside in the country. Under the license, your business needs initial capital of at least 3 million baht or 25% of the annual spending projection over a 3 year period with the larger figure taken into account.

    Are the rules of foreign business license and Thai company registration getting you down? If so, simply contact a Thai legal team as they successfully bypass all this legal tape and get you started.

  • 17Mar

    London UK 12th July 2013 – one of the top dissertation editing service provider in the market dissertationeditingservices.net has commissioned a comprehensive new audit of its customer support system. The move by the top rated editing firm is geared towards streamlining the support department ahead of an anticipated surge in customer demand for the firm’s editing services. According to reports inside dissertationeditingservices.net, the Audit is expected to start as soon as possible. For the last few years or so dissertationeditingservices.net has seen increased orders reach its desk from a number of customers across the world. The firm has made it clear that it is keen on improving and expanding its customer support desk and as it looks, the audit is the beginning of a series of massive improvements that will be seen at dissertationeditingservices.net in the next few months. Dissertationeditingservices.net which is one of the prolific dissertation editing services provider in the market has commissioned a rigorous and comprehensive audit of its customer support systems. The move is geared towards streamlining of the support department ahead of a largely anticipated growth in demand for professional thesis editing in the next few months. Dissertationeditingservices.net has noted that it is considering a complete overhaul of its support desk but also, the firm is waiting to see what the audit will bring on the table. Off late dissertationeditingservices.net has been shaping itself to become one of the top and highly sought after thesis editing firm in the business. In the last few years the provider has been growing strength to strength with its customer base expanding substantially. With a professional track record as a dissertation editor, it is largely expected that many more PhD level students will be looking up to the firm for the best and most professional dissertation editing services. It is based on this reality that Dissertationeditingservices.net has seen it fit to brace itself for the coming vibrant business days and in fact, the audit of the customer support desk is regarded as the very first step in a series of planned improvements to be witnessed in the firm in the next coming weeks or months. For many people who have been following the online based dissertation editing service industry there is no doubt one of the things you should have noticed is that Dissertationeditingservices.net has time and time again proved its might and skill in editing services. In some of the top customer review portals, the provider has remained the talk of each and every person with affordability and quality of service marking the identity of the company. For many PhD level student keen on finding the best editor to carry on with polishing up your research paper Dissertationeditingservices.net seems to have all the makings of an ideal provider. The firm has years of experience and the planned audit of its support desk shows great commitment towards the best services. Please visit the firm’s website today for the best dissertation editing in the market.

  • 16Mar

    Any business, no matter how big or how small, starts out with an idea. The ideas were non-tangible things that entrepreneurs started up into real live businesses. Similarly, home based business entrepreneurs need ideas to start up. Perhaps you can take these ideas and turn them into money making businesses? Anyone with a computer, the internet, and a pulse can make them happen.

    Idea #1: Start up a home based business by selling things on E-bay. Research what is selling on E-bay and get involved in that niche by buying wholesale and selling for profit. Learn the tips and tricks of how to effectively sell on E-bay and how to maximize your profits.

    Idea #2: Find out about a topic that people want information on and would pay for that kind of information. Write an e-book or a report that contains the information that the people are looking for, and then sell it.

    Idea #3: Buy or otherwise obtain private label rights products/articles/books/etc. You can do whatever you please with these. You can rewrite the books to your own taste and resell it for 100% profit. If you have a lot of PLR articles about a certain topic, you could compile those into a book for reselling.

    Idea #4: Start up your own online store. More and more people are buying things online, so you could cash in on this. What exactly would you like to sell and to who would you sell it to?

    Idea #5: Build websites for other people. Some people are too afraid to learn programming with HTML, no matter how many books they read or how many courses they take. You might have experience with websites or you can learn HTML from free resources. I know someone who got paid $75 for designing just one site, so there’s money to be made in this field.

    Idea #6: Another home based business for an entrepreneur to start up is a service-based business. Perhaps you know how to get a complete idiot’s site to the top 10 search engine rankings for a certain keyword. There are people will pay money for that, you just have to put your business in front of them. Perhaps you can give consulting services in a certain area, or can do other services that people outsource. What other services can you think of that you can provide for money?

    Idea #7: This is a popular one: join an affiliate program, and and get into the business of affiliate marketing. You promote products from these affiliate programs, and get paid commissions when you refer sales and sign-ups. If you can’t create your own product or service you should look into this.

    These are seven great ideas for entrepreneur start up. But these are just a tiny sample as to what kinds of ideas are available to be turned into home based businesses. Use one of these ideas, or come up with your own, and start your own business.

  • 15Mar

    Investment club is formed by a group of people who pool their money for joint investments. If you are a new to investing in stock market and have limited funds, starting an investment club is a great way to learn from other investors and get hands on experience in investing.

    Here are some tips to starting an investment club.

    1. Make sure all members understand the risks of investing. Many people who invest think they are going to be very successful, and are not prepared to lose all of their money. Unfortunately, there are no guarantees when it comes to the stock market. No one should invest money they are not willing to lose.

    2. Find the right people who share the same investment objectives and goals. It is easier to get along with right minded people and learn from each other.

    3. Make sure all club members agree to the partnership agreement and any other rules.

    4. Join the National Association of Investors Corporation (NAIC) that provides support, information and tools on starting an investment club and investing, and publishes a monthly investor-learning magazine.

    5. All members must agree to make a monthly contribution. The typical range of contribution is $20 to $100 a month. Members who contribute more than the required contribution are allowed greater share of profits.

    6. Decide on how to meet and the frequency of meetings. For the initial setting up of the club, it may be best for everyone to meet in person. If all meetings are held online, it may be good to meet in person once or twice a year for social interaction. To keep up to date, it is recommended to meet 1-2 times a month.

    7. Start with a small number of people. It is easier to come to an agreement when there are fewer members. When the club is established and all formal procedures are in place, new members can be invited to join.

    8. Education is the main goal of an investment club. An investment club made up of educated investors will be more successful and cohesive than an investment club which is solely focused on making a profit.

    9. Every investment club must have a well-defined investment style or investment philosophy. There must be clear selection criteria such as what type of stocks to invest, the acceptable risk tolerance level and rate of return. All club members should be aware of and agree to the investment style of the club.

    Starting and running an investment club is an invaluable learning experience, where you can leverage on the expertise and knowledge of other investors. Investment clubs facilitate the exchange of ideas and collective decisions that are likely to produce sustainable returns.

  • 15Mar

    If you are like most businesses, the answer lies somewhere between ambivalence and total disdain.

    All small business owners know the importance of low cost overhead. Working smart with your money has never been more important than it is in today’s economy. A very efficient way for small businesses to save huge dollars is by subscribing to a small voip phone system, also referred to as voice over internet protocol services. It is a method for making telephone calls by using the Internet. The technology became available around 1990 but with the recent advancements it has become a strong replacement for the traditional land line service.

    One of the reasons that Internet VoIP is so popular is because it is very inexpensive as well as dependable. All of the equipment such as bluetooth voip headset, voip phone adapter, and headaches are hosted by the provider so all the business needs to worry about is the Internet connection and a telephone. In some cases you’ll be able to use the same telephones that you used for your land-line while others a special Voip broadband phone will be the best solution. The call quality is so good that rarely would anyone know that you were not using a land line. The provider keeps all the updates and relative maintenance up to date so having equipment or a service that becomes obsolete is not a concern.

    The cost of Internet VoIP is so inexpensive because the calls are able to transmit over the Internet in place of a local telephone company’s system. By bypassing the local telephone company there is no fees that have to be paid to them. The process of dialing out and receiving calls is the same. You will need a high speed Internet connection and small voip phone system that is on at all times with a bandwidth large enough for the transmissions to always be clear.

    To get started with Internet VoIP you’ll need to choose a voice over internet protocol providers and subscribe to the voip phone plans that best fits your business needs. With all the Internet VoIP options and providers now in the market place, it can be confusing for businesses to know what they need and the best provider for them.

    AVAD Technologies, specialists is small business Hosted VoIP, has launched aggressive new pricing on its Hosted VoIP Phone Service. If you are thinking about switching your business to VoIP or just have some questions, please feel free to call (800) 733-4136

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