Simple Retirement Planning

Planing your retirement might seem as a daunting task for most right now with all the complex plans available to you. An reason for procrastination that I hear a lot from people is that they don’t know where to start. This article is designed to help you understand two options to look further into using to plan your retirement. Instead …

Ways to Save for College

Creative Ways to Pay for College

Attending college–one of the most important and expensive times of our lives. During this time, many are looking for creative ways to pay for this worthwhile investment. Whether you are a student, parent, grandparent or employer, keep reading to discover unique ways to pay for college. Technique 1: Take advantage of 529 Savings Plans Although these plans have certain limitations, they …

Life without debt.

How to Get Debt Free with Life Insurance (Part 1)

  We live in a time where we are not offered the proper financial education in schools, thus our only other means of learning proper financial education is home or our workplace. Unfortuantely, 8 in 10 households are living in Debt according to a recent sudy done by CNBC, thus the education we receive at home regarding finance is great. …

Question: Are my premiums tax deductible?

Are life insurance premiums tax deductible? No they are not. The premiums you pay for your life insurance or considered a personal expense therefore they are not deductible. In fact, the IRS specifically states that premiums paid for life insurance by the insured are not deductible. But what if someone else pays for your premiums? Does that change this rule? …

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Life Insurance: Benefits for Millennials

Life insurance has been around for more than one hundred years, but does Life Insurance still make sense in today’s technology age? What are the sentiments of new generations? What do studies show? In a recent study, fewer than 20% of millennials say they’re likely to buy life insurance, according to LIMRA, an insurance research and consulting firm. 60% say Internet, …

IRS: Tax Benefits

Fringe Benefits Fringe benefits are generally included in an employee’s gross income (there are some exceptions). The benefits are subject to income tax withholding and employment taxes. Fringe benefits include cars and flights on aircraft that the employer provides, free or discounted commercial flights, vacations, discounts on property or services, memberships in country clubs or other social clubs, and tickets …

Tax Treatment of Health Benefits

Many small employers do not understand how the tax code treats the cost of health insurance. Based on findings from the 2000 Small Employer Health Benefits Survey (SEHBS), this fact sheet shows how these employers’ perception of the tax treatment of health benefits often differs from reality, and discusses some of the implications. Perception of Taxation of Health Benefits Many …

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Does Offering Employee Benefits Give You a Competitive Advantage?

Employee benefits advantage have been a topic undervalued by many employers when it comes to building an organization. What is it that appeals to workers most when applying for a job? A most valuable and competitive advantage for employees is offering protection. This protection is known as Employee Benefits. A new survey has revealed that a greater majority of employees …

FSAs, HSAs, or HRAs — What’s Best for Your Business?

There are many employee benefits strategies an employer can implement. HSA for businesses has been a topic misunderstood far too long by many HR professionals. If your wondering how “Health Saving Account can benefit my Business” keep reading.   FSAs, HSAs, or HRAs — What’s Best for Your Business? An on-site HR professional can make a crucial difference in all …

Why Retirement Benefits Are Critical To Closing Talent Gaps

If you’re having trouble attracting or retaining top talent for your business, retirement benefits could be the key to closing your company’s talent gap. In a recent study from the Employee Benefits Research Institute, just 22 percent of Americans said they were confident they’ll be financially ready for retirement. The Bureau of Labor Statistics (BLS) estimates that just 66 percent of American workers …

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Retirement Options Small Businesses Should Consider

Which Retirement Options Should a Small Business Consider? A new concept is reaching businesses in the 21st century, and that concept is revolutionary. Until now, many business owners asked the “why” questions. Why am I in business? Why would others do business with me? Why this… why that… A new mindset displayed in several multi-billion companies is not the “why” …

Competitive Advantage and Employee Benefits

Employee Benefits: The Secret Competitive Advantage in Three Steps

  What sets your company apart to new employees? If you were looking to fill a vacant spot within your organization, how would you attract key employees to apply? Would you offer employee benefits? In their book “Who” by Geoff Smart and Randy Street, the authors argue that its no longer about “Why” but really about “Who”. Who represents your …

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How to choose best life insurance

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Safe travels with family

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