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How the Plan Is Presented Participation The more convinced employees are of the wisdom of saving for retirement, the greater the level of employee participation. The greater the participation, the more the plan can benefit employees, including highly compensated employees. Regular meetings,...
If you are looking for a tax efficient investment that tracks a specific market index, then the exchange traded fund (ETF) may be an interesting alternative. An ETF bears some similarities to a mutual fund but also possesses some significant differences.   An ETF holds a portfolio of securities...
A toolbox is not complete without at least one pair of pliers. Pliers come in all sizes. Pliers are versatile tools that can be useful in a variety of situations and do many things. The same holds true for a flexible legal arrangement known as a trust. Like pliers, trusts are multipurpose tools...
A Well-Oiled Machine: How to Better Manage Your Accounts Receivable It’s important for all businesses, big and small, to take control of their accounts receivable. Properly managing your accounts receivable – the revenue you expect for the goods and services you sell – can boost your cash flow and...
Where can you turn if you need cash in an emergency? Some people turn to their 401(k) plans. After all, your are borrowing your own money and paying it back to yourself with interest.   On the Positive Side If your plan permits loans (and not all plans do), you will generally be able to borrow up...
When you are investing for retirement, there will almost certainly be times when the markets take a beating. And that can be rough. Seeing investment values drop is difficult, even for professional investors. However, as a long term investor, your focus should be on continuing to contribute to...
Donating appreciated assets outright is only one strategy available for obtaining a charitable deduction and avoiding capital gains tax. Another strategy worth considering is the transfer of assets into a charitable remainder trust (CRT). A CRT can provide you with a lifetime income and tax...
Defend Your Company Against Cyberfraud With These 12 Tips Below are some recommended best practices you should strongly consider implementing to help protect your business in the online banking environment, thus mitigating the opportunity for loss of funds and the compromising of online banking log...
Are you feeling a little queasy about market ups and downs? Who isn’t! While there’s no magic bullet, there are things you can do to help calm your nerves and cope with volatility. Maybe you’re taking more risk with your investments than you can comfortably tolerate. When the markets are doing well...
Your favorite golfer on the PGA Tour typically has scores so low they seem impossible. But suddenly, he begins undershooting greens and misjudging putts and doesn’t even come close to breaking par. He isn’t sure why his game is off, but he knows his fairway flubs could thwart his future goals.   No...

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